{"metadata":{"transaction_key":"deprecated","request_id":"e16817a2-73b9-40fa-bd6e-6feddad6bbea","sha256":"8ff7a6d2a719c43d2e93006f86d37849fdbdcbb25052d03b93b42848da041d12","created":"2026-03-17T08:56:13.324Z","duration":493.63193,"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":2020,"output_tokens":169},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":2279,"output_tokens":2284},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":2279,"output_tokens":180}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Ben. It's Dana from Okey Financial. How are you? I'm very well. Thank you. Do you have some time now for a bit of a quick chat? I'm so sorry. Just the afternoons are pretty busy this week. That's all. Is now okay for you? Yep. Oh, no. That's okay. I'm here for another sort of ten minutes, so it's all good, honestly. Yeah. Yes. Yes. Yes. Yeah. Yeah. Of course. Yep. No. That is a good question, but, no, definitely not. So, essentially, paying part of it outside of soup still entitles you to the full claim. It just means that you're only paying a smaller amount out of your back pocket. But, like, you can still claim the full million dollars of TPD if anything happens. The way that sort of works is they do assess the inside of super portion first under the any occupation. And, look, what they're gonna look for is it's essentially, if the doctor signs off to say that, hey. You're never gonna go back to work again, and you've got your your two doctors, one being a specialist saying you're not gonna be able to do your job again, the likelihood of you being able to stand up in front of a class or sit down in front of a class could be pretty minimal there as well. So I've honestly not seen claims come back declined when the two doctors have provided all the documentation going, this client's never going back to work again. Generally, the assessment team will just approve it. There won't be any problem there. It's more just coming down to what your doctors will sign off on, and it is harder when you're younger to get doctors to sign off. They may go, hey. Look. You can probably do a bit of teaching, or you might be able to work in a call center. But when it comes to the claim, if the doctors the two doctors sign off to say you're never going back to work again, generally, the claim is just accepted because they go on medical reports and what doctors are saying you can and can't do for work. But, like, if you wanna take a little bit outside of super to give you access to their own occupation, if they assess you and you don't qualify under any occupation, then they go look at their own occupation, and paying a small amount outside sleep. It's more just about making it more cost effective for you, and you can still claim the full amount. You're still accessing the full amount that you're eligible that you're covered for if you claim on that. Yeah. Yeah. Yeah. That's okay. Absolutely. Yeah. Yeah. Absolutely. Yeah. Yeah. Yeah. That would be the best way. If you're sort of wanting to cover yourself in that instance and just cover yourself for the own occupation, As long as you're comfortable with doing so, you can absolutely take that option. It's just the out of pocket policy that comes with the secondary quote that I sent you. If that's what you kind of wanna go ahead with, I'll just on the last page of the document get you to write there that you wanna take the second quote having the out of pocket portion of the TBD policy. And when it comes back to me, I will make sure that's all sort of ready for you for when we go to application stage. But, yeah, honestly, it's completely up to you and what you're comfortable with. I think the biggest risk with insurances is that we pay all this money for the premiums, and then we never actually claim. And you've paid all the money for premiums. There's only a very small amount of people who actually do go through a claim, but insurances are about covering the risk of something that could possibly happen to you. So as long as you're comfortable having a little bit of TBD out of pocket, that's absolutely fine. The cost is pretty minimal. Like, when I looked at the quote, it was actually quite cheap to have that little bit paid out of your back pocket on a a monthly or on a regular basis to give you that own occupation definition. And as I mentioned, you can claim the full amount of TBD. It's absolutely fine. Yeah. I can bring it up for you. Yeah. Not a problem at all. I actually have it all here for you. Sorry. I hope it's okay. I'll give you a call. I thought I've got the email, and I thought I've got some time. Let's call you now and go through your questions to make it a bit easier on you. Let's have a look. Yeah. I've got the ascended quote here. Perfect. Sorry. Just opening it up. Won't be a second. Okay. So the inside super policy doesn't change in any way, shape, or form with that secondary quote. It's just adding a little bit of a premium out of pocket, and it's showing here that the out of pocket portion on a monthly basis is $20.27 dollars and 86¢ on a monthly basis. So that 05/12 is about $334.32 per year. So no. It'll be paid direct to them. We can set it up as a direct debit to come out of your bank account or your credit card or however you would like to pay for that at the time of application. Yeah. Yeah. Okay. Yep. Yeah. Absolutely. Yeah. No. Completely understandable. And, look, this is gonna be reviewed with you every year when we do things anyway. So we'll go through a review. We'll look at your super, look at how things are working for you. Look at the insurance coverage. The idea is we start with a higher level of cover now as your super balance grows, as your, you know, your mortgage decreases, as you don't need so much cover, we can start to reduce the level of cover that you have. That's essentially the ultimate goal. So by the time you retire, it's lovely super balance, hopefully, no debt, and don't need to be insured with any insurance covered there. You'll be fully self insured as well. So that's the ultimate goal with how we sort of want it to work, and we'll review it with you because these insurance premiums do get more expensive over time as you get older as the risk of you making a claim increases. So we do wanna review that. Yeah. But, I mean, once we go to application space, if you're comfortable with that little bit of extra outside of super for, you know, the the bigger benefit there of having the own occupation, we'll happily organize that with you. It's not a problem at all. Okay? Absolutely. It's cheaper than a cup of coffee. Yeah. Easy. That's not a problem. Yep. No worries at all. And just leave a little note for me on the very last page there. If there's no there's normally a section that has a text box, and you can kinda leave a note there. If it doesn't work in any way, shape, or form, just shoot me an email letting me to know the directions that you wanna take and any alterations. And as long as I have it in writing, I can make it happen for you. Okay? No worries, Ben. Thanks for taking my call. Have a lovely evening. Thanks. See you later.","confidence":0.99785775,"words":[{"word":"hi","start":2.6399999,"end":2.8799999,"confidence":0.8120695,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.2154441475868225},{"word":"ben","start":2.8799999,"end":3.1999998,"confidence":0.9963271,"punctuated_word":"Ben.","sentiment":"neutral","sentiment_score":0.24835966527462008},{"word":"it's","start":3.1999998,"end":3.36,"confidence":0.9566535,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.27150100469589233},{"word":"dana","start":3.36,"end":3.6,"confidence":0.6216201,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":0.262559175491333},{"word":"from","start":3.6,"end":3.84,"confidence":0.99635553,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.27118849754333496},{"word":"okey","start":3.84,"end":4.16,"confidence":0.28888798,"punctuated_word":"Okey","sentiment":"neutral","sentiment_score":0.2646922469139099},{"word":"financial","start":4.16,"end":4.66,"confidence":0.9950739,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.2436155378818512},{"word":"how","start":4.7999997,"end":4.96,"confidence":0.99991846,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.29230448603630066},{"word":"are","start":4.96,"end":5.12,"confidence":0.99990284,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2814580500125885},{"word":"you","start":5.12,"end":5.62,"confidence":0.99991524,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.30439865589141846},{"word":"i'm","start":7.2799997,"end":7.6,"confidence":0.95915294,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.7009211778640747},{"word":"very","start":7.6,"end":7.9199996,"confidence":0.9995055,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.7405819296836853},{"word":"well","start":7.9199996,"end":8.24,"confidence":0.9960753,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.689314603805542},{"word":"thank","start":8.24,"end":8.4,"confidence":0.99988544,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7585741281509399},{"word":"you","start":8.4,"end":8.639999,"confidence":0.99994755,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6335649490356445},{"word":"do","start":8.639999,"end":8.8,"confidence":0.99958664,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.10656192898750304},{"word":"you","start":8.8,"end":8.88,"confidence":0.99929905,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11510183662176132},{"word":"have","start":8.88,"end":9.12,"confidence":0.9998734,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14849470555782318},{"word":"some","start":9.12,"end":9.36,"confidence":0.9967014,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.10260319709777832},{"word":"time","start":9.36,"end":9.5199995,"confidence":0.99989426,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.12235312163829803},{"word":"now","start":9.5199995,"end":9.76,"confidence":0.9992379,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.0783921629190445},{"word":"for","start":9.76,"end":9.92,"confidence":0.99941325,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06273012608289719},{"word":"a","start":9.92,"end":10.08,"confidence":0.9987907,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09329695254564284},{"word":"bit","start":10.08,"end":10.16,"confidence":0.9998908,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.14211183786392212},{"word":"of","start":10.16,"end":10.32,"confidence":0.99967706,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15014223754405975},{"word":"a","start":10.32,"end":10.4,"confidence":0.99586725,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16399917006492615},{"word":"quick","start":10.4,"end":10.639999,"confidence":0.99976546,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.2305314540863037},{"word":"chat","start":10.639999,"end":10.88,"confidence":0.9984777,"punctuated_word":"chat?","sentiment":"neutral","sentiment_score":0.15208642184734344},{"word":"i'm","start":10.88,"end":11.04,"confidence":0.9999257,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.17804425954818726},{"word":"so","start":11.04,"end":11.28,"confidence":0.99727327,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.21223320066928864},{"word":"sorry","start":11.28,"end":11.5199995,"confidence":0.9834242,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.22575873136520383},{"word":"just","start":11.5199995,"end":11.759999,"confidence":0.68894595,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.2509520351886749},{"word":"the","start":11.84,"end":11.92,"confidence":0.9977375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.311604768037796},{"word":"afternoons","start":11.92,"end":12.4,"confidence":0.99540406,"punctuated_word":"afternoons","sentiment":"neutral","sentiment_score":-0.2894201874732971},{"word":"are","start":12.4,"end":12.559999,"confidence":0.99257725,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.33402976393699646},{"word":"pretty","start":12.559999,"end":12.719999,"confidence":0.99865305,"punctuated_word":"pretty","sentiment":"negative","sentiment_score":-0.3712782859802246},{"word":"busy","start":12.719999,"end":13.12,"confidence":0.99997354,"punctuated_word":"busy","sentiment":"neutral","sentiment_score":-0.3012779653072357},{"word":"this","start":13.12,"end":13.28,"confidence":0.99119604,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.31581825017929077},{"word":"week","start":13.28,"end":13.5199995,"confidence":0.8971709,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":-0.2541854977607727},{"word":"that's","start":13.5199995,"end":13.759999,"confidence":0.93326616,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.10982879251241684},{"word":"all","start":13.759999,"end":14.0,"confidence":0.94683343,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.06416760385036469},{"word":"is","start":14.0,"end":14.16,"confidence":0.79228926,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.04071316495537758},{"word":"now","start":14.16,"end":14.48,"confidence":0.9538179,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.06240876764059067},{"word":"okay","start":14.48,"end":14.88,"confidence":0.9981421,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.05001682788133621},{"word":"for","start":14.88,"end":15.04,"confidence":0.9995621,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.003304228186607361},{"word":"you","start":15.04,"end":15.54,"confidence":0.9857557,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.012452436611056328},{"word":"yep","start":17.895,"end":18.395,"confidence":0.698285,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01547682285308838},{"word":"oh","start":19.175,"end":19.415,"confidence":0.99355173,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.01176140084862709},{"word":"no","start":19.415,"end":19.575,"confidence":0.99859244,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.037946917116642},{"word":"that's","start":19.575,"end":19.895,"confidence":0.99983776,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.03822770714759827},{"word":"okay","start":19.895,"end":20.375,"confidence":0.99967396,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.05640749633312225},{"word":"i'm","start":20.375,"end":20.535,"confidence":0.99991393,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.038567036390304565},{"word":"here","start":20.535,"end":20.775,"confidence":0.9999335,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.05107365921139717},{"word":"for","start":20.775,"end":20.935001,"confidence":0.9998486,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0568387396633625},{"word":"another","start":20.935001,"end":21.255001,"confidence":0.9998498,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.03029973804950714},{"word":"sort","start":21.255001,"end":21.415,"confidence":0.9679967,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.020740803331136703},{"word":"of","start":21.415,"end":21.495,"confidence":0.88075995,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04824371635913849},{"word":"ten","start":21.495,"end":21.735,"confidence":0.99936646,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.05937767028808594},{"word":"minutes","start":21.735,"end":22.055,"confidence":0.8862076,"punctuated_word":"minutes,","sentiment":"neutral","sentiment_score":0.04388388246297836},{"word":"so","start":22.055,"end":22.295,"confidence":0.9983594,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.3164677619934082},{"word":"it's","start":22.295,"end":22.535,"confidence":0.9998883,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.4423997402191162},{"word":"all","start":22.535,"end":22.775,"confidence":0.9998901,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.5310023427009583},{"word":"good","start":22.775,"end":23.015,"confidence":0.9402823,"punctuated_word":"good,","sentiment":"positive","sentiment_score":0.49067339301109314},{"word":"honestly","start":23.015,"end":23.515,"confidence":0.9998819,"punctuated_word":"honestly.","sentiment":"positive","sentiment_score":0.4293607473373413},{"word":"yeah","start":26.615,"end":27.115,"confidence":0.9942478,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04774029180407524},{"word":"yes","start":35.61,"end":36.11,"confidence":0.98656595,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.0025550713762640953},{"word":"yes","start":42.025,"end":42.525,"confidence":0.97256804,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.010112719610333444},{"word":"yes","start":51.305,"end":51.805,"confidence":0.86155766,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.1300894021987915},{"word":"yeah","start":60.52,"end":61.02,"confidence":0.84907156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.015188781544566154},{"word":"yeah","start":61.16,"end":61.66,"confidence":0.8152125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0017066765576601028},{"word":"of","start":61.72,"end":61.88,"confidence":0.99519724,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":-0.003236178308725357},{"word":"course","start":61.88,"end":62.38,"confidence":0.99977803,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":-0.010125547647476196},{"word":"yep","start":68.05499,"end":68.55499,"confidence":0.9885859,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.03634820878505707},{"word":"no","start":72.774994,"end":73.274994,"confidence":0.9908847,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11984378099441528},{"word":"that","start":74.375,"end":74.534996,"confidence":0.99801826,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.03724617511034012},{"word":"is","start":74.534996,"end":74.774994,"confidence":0.99929345,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05178338289260864},{"word":"a","start":74.774994,"end":74.854996,"confidence":0.99974173,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.045565273612737656},{"word":"good","start":74.854996,"end":75.015,"confidence":0.9999337,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.06223912537097931},{"word":"question","start":75.015,"end":75.41499,"confidence":0.9089868,"punctuated_word":"question,","sentiment":"neutral","sentiment_score":-0.01255488395690918},{"word":"but","start":75.41499,"end":75.575,"confidence":0.7267963,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.039706695824861526},{"word":"no","start":75.575,"end":75.814995,"confidence":0.930881,"punctuated_word":"no,","sentiment":"neutral","sentiment_score":-0.14442406594753265},{"word":"definitely","start":75.814995,"end":76.215,"confidence":0.9960924,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":-0.1337689757347107},{"word":"not","start":76.215,"end":76.615,"confidence":0.9944958,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.11718391627073288},{"word":"so","start":76.615,"end":76.854996,"confidence":0.86208767,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.05671809241175651},{"word":"essentially","start":76.854996,"end":77.335,"confidence":0.9993473,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":-0.0395403690636158},{"word":"paying","start":77.335,"end":77.655,"confidence":0.99883646,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.0596199557185173},{"word":"part","start":77.655,"end":77.895,"confidence":0.9941156,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.008524700999259949},{"word":"of","start":77.895,"end":77.975,"confidence":0.99464935,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0031820684671401978},{"word":"it","start":77.975,"end":78.05499,"confidence":0.43977928,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.008573353290557861},{"word":"outside","start":78.05499,"end":78.454994,"confidence":0.94774365,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":-0.008995339274406433},{"word":"of","start":78.454994,"end":78.615,"confidence":0.71646315,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0013667941093444824},{"word":"soup","start":78.615,"end":78.84,"confidence":0.33909553,"punctuated_word":"soup","sentiment":"neutral","sentiment_score":0.01420600712299347},{"word":"still","start":78.84,"end":79.159996,"confidence":0.22711591,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.018296003341674805},{"word":"entitles","start":79.159996,"end":79.56,"confidence":0.98371553,"punctuated_word":"entitles","sentiment":"neutral","sentiment_score":0.02830243483185768},{"word":"you","start":79.56,"end":79.799995,"confidence":0.9883416,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08380846679210663},{"word":"to","start":79.799995,"end":79.88,"confidence":0.9108059,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16151300072669983},{"word":"the","start":79.88,"end":80.119995,"confidence":0.9916347,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12765315175056458},{"word":"full","start":80.119995,"end":80.35999,"confidence":0.99910766,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.19758400321006775},{"word":"claim","start":80.35999,"end":80.85999,"confidence":0.98396516,"punctuated_word":"claim.","sentiment":"neutral","sentiment_score":0.05874985456466675},{"word":"it","start":81.0,"end":81.24,"confidence":0.99953175,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.004050038754940033},{"word":"just","start":81.24,"end":81.399994,"confidence":0.9988943,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0005191564559936523},{"word":"means","start":81.399994,"end":81.64,"confidence":0.99985147,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.05449856072664261},{"word":"that","start":81.64,"end":81.799995,"confidence":0.99783915,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01497986912727356},{"word":"you're","start":81.799995,"end":82.03999,"confidence":0.9961566,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.004704935010522604},{"word":"only","start":82.03999,"end":82.2,"confidence":0.99895966,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.02063252031803131},{"word":"paying","start":82.2,"end":82.52,"confidence":0.99973947,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.04242807626724243},{"word":"a","start":82.52,"end":82.67999,"confidence":0.99881774,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.006564997136592865},{"word":"smaller","start":82.67999,"end":83.079994,"confidence":0.9996407,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":-0.009572267532348633},{"word":"amount","start":83.079994,"end":83.479996,"confidence":0.998992,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.03385678678750992},{"word":"out","start":83.479996,"end":83.64,"confidence":0.99875844,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.022567033767700195},{"word":"of","start":83.64,"end":83.71999,"confidence":0.99806947,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04192199558019638},{"word":"your","start":83.71999,"end":83.88,"confidence":0.999564,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.033867090940475464},{"word":"back","start":83.88,"end":84.119995,"confidence":0.9993567,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.007958441972732544},{"word":"pocket","start":84.119995,"end":84.619995,"confidence":0.88034296,"punctuated_word":"pocket.","sentiment":"neutral","sentiment_score":-0.021374989300966263},{"word":"but","start":85.079994,"end":85.32,"confidence":0.8778577,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.030861061066389084},{"word":"like","start":85.32,"end":85.64,"confidence":0.9996997,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08490955084562302},{"word":"you","start":85.64,"end":85.799995,"confidence":0.99956816,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0946674570441246},{"word":"can","start":85.799995,"end":85.96,"confidence":0.9997205,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13043765723705292},{"word":"still","start":85.96,"end":86.2,"confidence":0.9997613,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1528814733028412},{"word":"claim","start":86.2,"end":86.52,"confidence":0.99209845,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.10104022175073624},{"word":"the","start":86.52,"end":86.6,"confidence":0.9908228,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11852700263261796},{"word":"full","start":86.6,"end":86.84,"confidence":0.58207786,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.12768642604351044},{"word":"million","start":86.84,"end":87.24,"confidence":0.99716115,"punctuated_word":"million","sentiment":"neutral","sentiment_score":0.12559199333190918},{"word":"dollars","start":87.24,"end":87.74,"confidence":0.9996748,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.12553085386753082},{"word":"of","start":88.2,"end":88.52,"confidence":0.9593685,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08873384445905685},{"word":"tpd","start":88.52,"end":89.0,"confidence":0.77167964,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.08219896256923676},{"word":"if","start":89.0,"end":89.159996,"confidence":0.9820113,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10629160702228546},{"word":"anything","start":89.159996,"end":89.56,"confidence":0.99982494,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.06376262754201889},{"word":"happens","start":89.56,"end":90.06,"confidence":0.7693113,"punctuated_word":"happens.","sentiment":"neutral","sentiment_score":0.017648134380578995},{"word":"the","start":90.759995,"end":90.92,"confidence":0.9902732,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.007147252559661865},{"word":"way","start":90.92,"end":91.079994,"confidence":0.999851,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.032329998910427094},{"word":"that","start":91.079994,"end":91.31999,"confidence":0.99987864,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03802523761987686},{"word":"sort","start":91.31999,"end":91.56,"confidence":0.99134266,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.0034673362970352173},{"word":"of","start":91.56,"end":91.64,"confidence":0.9208448,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.028668805956840515},{"word":"works","start":91.64,"end":91.965,"confidence":0.97934204,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.03128138929605484},{"word":"is","start":91.965,"end":92.125,"confidence":0.98154634,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0226970873773098},{"word":"they","start":92.125,"end":92.284996,"confidence":0.788503,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.013412602245807648},{"word":"do","start":92.284996,"end":92.445,"confidence":0.99946755,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.004903003573417664},{"word":"assess","start":92.445,"end":92.924995,"confidence":0.9814135,"punctuated_word":"assess","sentiment":"neutral","sentiment_score":-0.03860826790332794},{"word":"the","start":92.924995,"end":93.16499,"confidence":0.9977314,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03749129921197891},{"word":"inside","start":93.16499,"end":93.48499,"confidence":0.83071834,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":-0.03718183934688568},{"word":"of","start":93.48499,"end":93.645,"confidence":0.9755511,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.041131507605314255},{"word":"super","start":93.645,"end":93.965,"confidence":0.54801816,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.01917310059070587},{"word":"portion","start":93.965,"end":94.365,"confidence":0.7828486,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":-0.017320118844509125},{"word":"first","start":94.365,"end":94.765,"confidence":0.9938106,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.004211917519569397},{"word":"under","start":94.765,"end":95.005,"confidence":0.98925155,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.008189588785171509},{"word":"the","start":95.005,"end":95.08499,"confidence":0.9840979,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.013631973415613174},{"word":"any","start":95.16499,"end":95.564995,"confidence":0.98999536,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.01925602555274963},{"word":"occupation","start":95.564995,"end":96.064995,"confidence":0.9349539,"punctuated_word":"occupation.","sentiment":"neutral","sentiment_score":-0.013336721807718275},{"word":"and","start":96.524994,"end":96.765,"confidence":0.7877786,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.0015071462839841845},{"word":"look","start":96.765,"end":96.924995,"confidence":0.9737183,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.01174035668373108},{"word":"what","start":96.924995,"end":97.085,"confidence":0.99979526,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.011545203626155852},{"word":"they're","start":97.085,"end":97.325,"confidence":0.99747384,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.006657789461314678},{"word":"gonna","start":97.325,"end":97.645,"confidence":0.99913245,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.015937555581331253},{"word":"look","start":97.645,"end":97.884995,"confidence":0.9992872,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.0700739175081253},{"word":"for","start":97.884995,"end":98.204994,"confidence":0.9994405,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0602007657289505},{"word":"is","start":98.204994,"end":98.604996,"confidence":0.99972135,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0022088438272476196},{"word":"it's","start":98.604996,"end":98.84499,"confidence":0.7606743,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.02282394841313362},{"word":"essentially","start":99.005,"end":99.48499,"confidence":0.989866,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":-0.016259074211120605},{"word":"if","start":99.48499,"end":99.564995,"confidence":0.9982463,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.014927476644515991},{"word":"the","start":99.564995,"end":99.725,"confidence":0.99695265,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03754298388957977},{"word":"doctor","start":99.725,"end":100.125,"confidence":0.9843982,"punctuated_word":"doctor","sentiment":"neutral","sentiment_score":-0.07879486680030823},{"word":"signs","start":100.125,"end":100.44499,"confidence":0.98910075,"punctuated_word":"signs","sentiment":"neutral","sentiment_score":-0.1145196184515953},{"word":"off","start":100.44499,"end":100.685,"confidence":0.8410744,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.05482960864901543},{"word":"to","start":100.685,"end":100.84499,"confidence":0.99768484,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06279680132865906},{"word":"say","start":100.84499,"end":101.16499,"confidence":0.9993956,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.026975348591804504},{"word":"that","start":101.16499,"end":101.48499,"confidence":0.9875378,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.02567315474152565},{"word":"hey","start":101.48499,"end":101.725,"confidence":0.9012544,"punctuated_word":"hey.","sentiment":"neutral","sentiment_score":-0.05300626531243324},{"word":"you're","start":101.725,"end":101.965,"confidence":0.9293984,"punctuated_word":"You're","sentiment":"negative","sentiment_score":-0.41501015424728394},{"word":"never","start":101.965,"end":102.284996,"confidence":0.9998754,"punctuated_word":"never","sentiment":"negative","sentiment_score":-0.4876205027103424},{"word":"gonna","start":102.284996,"end":102.604996,"confidence":0.99926287,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.47581398487091064},{"word":"go","start":102.604996,"end":102.685,"confidence":0.88426816,"punctuated_word":"go","sentiment":"negative","sentiment_score":-0.520085334777832},{"word":"back","start":102.685,"end":102.84499,"confidence":0.99829525,"punctuated_word":"back","sentiment":"negative","sentiment_score":-0.5099892020225525},{"word":"to","start":102.84499,"end":103.085,"confidence":0.99675024,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3866936862468719},{"word":"work","start":103.085,"end":103.325,"confidence":0.95966333,"punctuated_word":"work","sentiment":"negative","sentiment_score":-0.3764271438121796},{"word":"again","start":103.325,"end":103.825,"confidence":0.8261765,"punctuated_word":"again,","sentiment":"negative","sentiment_score":-0.3506580591201782},{"word":"and","start":104.365,"end":104.604996,"confidence":0.97300434,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.3164178729057312},{"word":"you've","start":104.604996,"end":104.765,"confidence":0.9761196,"punctuated_word":"you've","sentiment":"negative","sentiment_score":-0.41166913509368896},{"word":"got","start":104.765,"end":104.924995,"confidence":0.99981946,"punctuated_word":"got","sentiment":"negative","sentiment_score":-0.4249268770217895},{"word":"your","start":104.924995,"end":105.16499,"confidence":0.99530655,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.42039933800697327},{"word":"your","start":105.16499,"end":105.405,"confidence":0.9337426,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.4005070626735687},{"word":"two","start":105.405,"end":105.645,"confidence":0.99842477,"punctuated_word":"two","sentiment":"negative","sentiment_score":-0.4227098822593689},{"word":"doctors","start":105.645,"end":106.14,"confidence":0.9736158,"punctuated_word":"doctors,","sentiment":"negative","sentiment_score":-0.3580496907234192},{"word":"one","start":106.22,"end":106.46,"confidence":0.99932814,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.37933018803596497},{"word":"being","start":106.46,"end":106.62,"confidence":0.9929316,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.3033132255077362},{"word":"a","start":106.62,"end":106.78,"confidence":0.82546264,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.36165651679039},{"word":"specialist","start":106.78,"end":107.1,"confidence":0.96192515,"punctuated_word":"specialist","sentiment":"negative","sentiment_score":-0.4037066400051117},{"word":"saying","start":107.1,"end":107.26,"confidence":0.47576207,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.32441025972366333},{"word":"you're","start":107.26,"end":107.42,"confidence":0.857232,"punctuated_word":"you're","sentiment":"negative","sentiment_score":-0.43543100357055664},{"word":"not","start":107.42,"end":107.5,"confidence":0.99926883,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.5188838839530945},{"word":"gonna","start":107.5,"end":107.659996,"confidence":0.99777526,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.4951589405536651},{"word":"be","start":107.659996,"end":107.82,"confidence":0.99748623,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.5110917687416077},{"word":"able","start":107.82,"end":107.899994,"confidence":0.9783991,"punctuated_word":"able","sentiment":"negative","sentiment_score":-0.4488565325736999},{"word":"to","start":107.899994,"end":107.979996,"confidence":0.98698145,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4484137892723083},{"word":"do","start":107.979996,"end":108.22,"confidence":0.99660575,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.3732043504714966},{"word":"your","start":108.22,"end":108.38,"confidence":0.99800164,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.3891933560371399},{"word":"job","start":108.38,"end":108.62,"confidence":0.9997559,"punctuated_word":"job","sentiment":"neutral","sentiment_score":-0.31808093190193176},{"word":"again","start":108.62,"end":109.12,"confidence":0.9316262,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.2992142140865326},{"word":"the","start":109.42,"end":109.659996,"confidence":0.84565336,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3920156955718994},{"word":"likelihood","start":109.659996,"end":110.14,"confidence":0.99350077,"punctuated_word":"likelihood","sentiment":"negative","sentiment_score":-0.3816172182559967},{"word":"of","start":110.14,"end":110.22,"confidence":0.96073616,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.43153291940689087},{"word":"you","start":110.22,"end":110.38,"confidence":0.99685633,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.4353448748588562},{"word":"being","start":110.38,"end":110.54,"confidence":0.9790683,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.2751522958278656},{"word":"able","start":110.54,"end":110.66,"confidence":0.9933206,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.26965880393981934},{"word":"to","start":110.66,"end":110.78,"confidence":0.9889374,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2217922955751419},{"word":"stand","start":110.78,"end":111.1,"confidence":0.9990754,"punctuated_word":"stand","sentiment":"neutral","sentiment_score":-0.13090121746063232},{"word":"up","start":111.1,"end":111.26,"confidence":0.9927483,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.14626537263393402},{"word":"in","start":111.26,"end":111.34,"confidence":0.99891794,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1592482626438141},{"word":"front","start":111.34,"end":111.58,"confidence":0.9997049,"punctuated_word":"front","sentiment":"neutral","sentiment_score":-0.11740005016326904},{"word":"of","start":111.58,"end":111.659996,"confidence":0.9980015,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.19155952334403992},{"word":"a","start":111.659996,"end":111.74,"confidence":0.98683816,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2343604415655136},{"word":"class","start":111.74,"end":111.979996,"confidence":0.99927384,"punctuated_word":"class","sentiment":"neutral","sentiment_score":-0.22928959131240845},{"word":"or","start":111.979996,"end":112.14,"confidence":0.9636035,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.190361812710762},{"word":"sit","start":112.14,"end":112.3,"confidence":0.98142576,"punctuated_word":"sit","sentiment":"neutral","sentiment_score":-0.15384843945503235},{"word":"down","start":112.3,"end":112.46,"confidence":0.9830866,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.16335059702396393},{"word":"in","start":112.46,"end":112.62,"confidence":0.99158305,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2313658893108368},{"word":"front","start":112.62,"end":112.740005,"confidence":0.9968483,"punctuated_word":"front","sentiment":"neutral","sentiment_score":-0.2263263761997223},{"word":"of","start":112.740005,"end":112.86,"confidence":0.9925541,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2762594521045685},{"word":"a","start":112.86,"end":112.94,"confidence":0.9634102,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.30059489607810974},{"word":"class","start":112.94,"end":113.34,"confidence":0.99965656,"punctuated_word":"class","sentiment":"neutral","sentiment_score":-0.26511165499687195},{"word":"could","start":113.34,"end":113.58,"confidence":0.9945063,"punctuated_word":"could","sentiment":"negative","sentiment_score":-0.3956671953201294},{"word":"be","start":113.58,"end":113.74,"confidence":0.9993969,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.3438160717487335},{"word":"pretty","start":113.74,"end":114.06,"confidence":0.9997961,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.33269330859184265},{"word":"minimal","start":114.06,"end":114.46,"confidence":0.99952114,"punctuated_word":"minimal","sentiment":"negative","sentiment_score":-0.382192999124527},{"word":"there","start":114.46,"end":114.7,"confidence":0.9993906,"punctuated_word":"there","sentiment":"negative","sentiment_score":-0.3613392114639282},{"word":"as","start":114.7,"end":114.86,"confidence":0.99943763,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.2372974157333374},{"word":"well","start":114.86,"end":115.18,"confidence":0.9971986,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.25879377126693726},{"word":"so","start":115.18,"end":115.68,"confidence":0.9990664,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.25707828998565674},{"word":"i've","start":115.74,"end":115.979996,"confidence":0.8887297,"punctuated_word":"I've","sentiment":"negative","sentiment_score":-0.4023302793502808},{"word":"honestly","start":115.979996,"end":116.479996,"confidence":0.977774,"punctuated_word":"honestly","sentiment":"negative","sentiment_score":-0.374552458524704},{"word":"not","start":116.54,"end":116.78,"confidence":0.99749315,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.4771319627761841},{"word":"seen","start":116.78,"end":117.1,"confidence":0.78940964,"punctuated_word":"seen","sentiment":"negative","sentiment_score":-0.4767131507396698},{"word":"claims","start":117.1,"end":117.58,"confidence":0.99724066,"punctuated_word":"claims","sentiment":"negative","sentiment_score":-0.441979706287384},{"word":"come","start":117.58,"end":117.82,"confidence":0.9985613,"punctuated_word":"come","sentiment":"negative","sentiment_score":-0.4562164843082428},{"word":"back","start":117.82,"end":118.155,"confidence":0.9980422,"punctuated_word":"back","sentiment":"negative","sentiment_score":-0.5197147130966187},{"word":"declined","start":118.235,"end":118.715,"confidence":0.9384977,"punctuated_word":"declined","sentiment":"negative","sentiment_score":-0.6085786819458008},{"word":"when","start":118.715,"end":119.034996,"confidence":0.9982158,"punctuated_word":"when","sentiment":"negative","sentiment_score":-0.4356930553913117},{"word":"the","start":119.034996,"end":119.195,"confidence":0.9801895,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4205509424209595},{"word":"two","start":119.195,"end":119.435,"confidence":0.99808866,"punctuated_word":"two","sentiment":"negative","sentiment_score":-0.4779924154281616},{"word":"doctors","start":119.435,"end":119.835,"confidence":0.998579,"punctuated_word":"doctors","sentiment":"negative","sentiment_score":-0.3950282335281372},{"word":"have","start":119.835,"end":120.075,"confidence":0.9843306,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.38433608412742615},{"word":"provided","start":120.075,"end":120.395,"confidence":0.99985707,"punctuated_word":"provided","sentiment":"negative","sentiment_score":-0.4228796660900116},{"word":"all","start":120.395,"end":120.635,"confidence":0.9992781,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.3232811689376831},{"word":"the","start":120.635,"end":120.795,"confidence":0.78868794,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.41780292987823486},{"word":"documentation","start":120.795,"end":121.295,"confidence":0.9989907,"punctuated_word":"documentation","sentiment":"negative","sentiment_score":-0.4064697027206421},{"word":"going","start":121.835,"end":122.335,"confidence":0.8325006,"punctuated_word":"going,","sentiment":"negative","sentiment_score":-0.35127681493759155},{"word":"this","start":122.395,"end":122.635,"confidence":0.9844691,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.4365612864494324},{"word":"client's","start":122.635,"end":123.034996,"confidence":0.8571125,"punctuated_word":"client's","sentiment":"negative","sentiment_score":-0.43110916018486023},{"word":"never","start":123.034996,"end":123.275,"confidence":0.99766856,"punctuated_word":"never","sentiment":"negative","sentiment_score":-0.3782937526702881},{"word":"going","start":123.275,"end":123.515,"confidence":0.9986802,"punctuated_word":"going","sentiment":"negative","sentiment_score":-0.45129749178886414},{"word":"back","start":123.515,"end":123.674995,"confidence":0.99812454,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.33067601919174194},{"word":"to","start":123.674995,"end":123.835,"confidence":0.99906033,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.399206668138504},{"word":"work","start":123.835,"end":124.075,"confidence":0.9999082,"punctuated_word":"work","sentiment":"negative","sentiment_score":-0.3765115737915039},{"word":"again","start":124.075,"end":124.575,"confidence":0.99893665,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":-0.2671162188053131},{"word":"generally","start":124.875,"end":125.275,"confidence":0.99022114,"punctuated_word":"Generally,","sentiment":"neutral","sentiment_score":0.12018507719039916},{"word":"the","start":125.275,"end":125.515,"confidence":0.99986434,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29836928844451904},{"word":"assessment","start":125.515,"end":125.915,"confidence":0.99754745,"punctuated_word":"assessment","sentiment":"positive","sentiment_score":0.3513067364692688},{"word":"team","start":125.915,"end":126.155,"confidence":0.99785775,"punctuated_word":"team","sentiment":"positive","sentiment_score":0.4020857810974121},{"word":"will","start":126.155,"end":126.315,"confidence":0.9980101,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.3695858120918274},{"word":"just","start":126.315,"end":126.555,"confidence":0.99360013,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3817127943038941},{"word":"approve","start":126.555,"end":126.875,"confidence":0.99851257,"punctuated_word":"approve","sentiment":"positive","sentiment_score":0.3648871183395386},{"word":"it","start":126.875,"end":126.955,"confidence":0.9634933,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.3398594856262207},{"word":"there","start":126.955,"end":127.195,"confidence":0.9673301,"punctuated_word":"There","sentiment":"positive","sentiment_score":0.39845529198646545},{"word":"won't","start":127.195,"end":127.435,"confidence":0.99974126,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.3267950117588043},{"word":"be","start":127.435,"end":127.595,"confidence":0.9997305,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.27364471554756165},{"word":"any","start":127.595,"end":127.835,"confidence":0.9995364,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.2494663447141647},{"word":"problem","start":127.835,"end":128.235,"confidence":0.99964654,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.30927562713623047},{"word":"there","start":128.235,"end":128.735,"confidence":0.9991523,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.2578499913215637},{"word":"it's","start":129.035,"end":129.355,"confidence":0.81736267,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.12736281752586365},{"word":"more","start":129.355,"end":129.595,"confidence":0.99893826,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.0655764490365982},{"word":"just","start":129.595,"end":129.755,"confidence":0.97315955,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10216643661260603},{"word":"coming","start":129.755,"end":130.075,"confidence":0.9998031,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.08607015758752823},{"word":"down","start":130.075,"end":130.235,"confidence":0.99961925,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.13490693271160126},{"word":"to","start":130.235,"end":130.395,"confidence":0.9996012,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10574829578399658},{"word":"what","start":130.395,"end":130.635,"confidence":0.999813,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06870582699775696},{"word":"your","start":130.635,"end":130.795,"confidence":0.99871516,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03311067819595337},{"word":"doctors","start":130.795,"end":131.275,"confidence":0.99821043,"punctuated_word":"doctors","sentiment":"neutral","sentiment_score":-0.02103030681610107},{"word":"will","start":131.275,"end":131.515,"confidence":0.9995977,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.08110955357551575},{"word":"sign","start":131.515,"end":131.755,"confidence":0.99938166,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":-0.07559701055288315},{"word":"off","start":131.755,"end":131.915,"confidence":0.99396306,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.06792730838060379},{"word":"on","start":131.915,"end":132.155,"confidence":0.88448894,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":-0.0416901670396328},{"word":"and","start":132.155,"end":132.315,"confidence":0.9997942,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07580912113189697},{"word":"it","start":132.315,"end":132.475,"confidence":0.99986565,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.16112485527992249},{"word":"is","start":132.475,"end":132.715,"confidence":0.9996736,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2158644199371338},{"word":"harder","start":132.715,"end":133.035,"confidence":0.9783351,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":-0.19749873876571655},{"word":"when","start":133.035,"end":133.19499,"confidence":0.9792164,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.2817676067352295},{"word":"you're","start":133.19499,"end":133.355,"confidence":0.9908239,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.23118028044700625},{"word":"younger","start":133.355,"end":133.755,"confidence":0.99911076,"punctuated_word":"younger","sentiment":"neutral","sentiment_score":-0.31557267904281616},{"word":"to","start":133.755,"end":133.83499,"confidence":0.99826235,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.275871604681015},{"word":"get","start":133.83499,"end":134.13,"confidence":0.9997682,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.3378123342990875},{"word":"doctors","start":134.13,"end":134.37001,"confidence":0.9895594,"punctuated_word":"doctors","sentiment":"neutral","sentiment_score":-0.26239365339279175},{"word":"to","start":134.37001,"end":134.61,"confidence":0.98955756,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.18220219016075137},{"word":"sign","start":134.61,"end":134.77,"confidence":0.9990557,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":-0.18065398931503296},{"word":"off","start":134.77,"end":135.01001,"confidence":0.9351362,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.1926272213459015},{"word":"they","start":135.01001,"end":135.17,"confidence":0.9842554,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.06253554672002792},{"word":"may","start":135.17,"end":135.41,"confidence":0.99522936,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.05247603356838226},{"word":"go","start":135.41,"end":135.65001,"confidence":0.987151,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":-0.022635791450738907},{"word":"hey","start":135.65001,"end":136.15001,"confidence":0.96572363,"punctuated_word":"hey.","sentiment":"neutral","sentiment_score":0.06368713080883026},{"word":"look","start":136.21,"end":136.45001,"confidence":0.85026693,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":0.07209266722202301},{"word":"you","start":136.45001,"end":136.61,"confidence":0.99751854,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.10254933685064316},{"word":"can","start":136.61,"end":136.77,"confidence":0.999426,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11873886734247208},{"word":"probably","start":136.77,"end":137.17,"confidence":0.9984883,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.10705037415027618},{"word":"do","start":137.17,"end":137.41,"confidence":0.99663746,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.059133805334568024},{"word":"a","start":137.41,"end":137.49,"confidence":0.9847867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09984651207923888},{"word":"bit","start":137.49,"end":137.61002,"confidence":0.9930131,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08967256546020508},{"word":"of","start":137.61002,"end":137.73001,"confidence":0.99554366,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08023422956466675},{"word":"teaching","start":137.73001,"end":138.13,"confidence":0.7532431,"punctuated_word":"teaching,","sentiment":"neutral","sentiment_score":0.06987515091896057},{"word":"or","start":138.13,"end":138.21,"confidence":0.9953086,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06050700694322586},{"word":"you","start":138.21,"end":138.37001,"confidence":0.9993662,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04974157363176346},{"word":"might","start":138.37001,"end":138.61,"confidence":0.9997093,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.052734605967998505},{"word":"be","start":138.61,"end":138.69,"confidence":0.9826658,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07146075367927551},{"word":"able","start":138.69,"end":138.81,"confidence":0.93153584,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.07770603895187378},{"word":"to","start":138.81,"end":138.93001,"confidence":0.9875466,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05536974221467972},{"word":"work","start":138.93001,"end":139.09001,"confidence":0.99950945,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.011650562286376951},{"word":"in","start":139.09001,"end":139.25,"confidence":0.9939926,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0020925626158714294},{"word":"a","start":139.25,"end":139.33,"confidence":0.9658848,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.033883463591337204},{"word":"call","start":139.33,"end":139.65001,"confidence":0.9979456,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.01613907516002655},{"word":"center","start":139.65001,"end":140.15001,"confidence":0.97504365,"punctuated_word":"center.","sentiment":"neutral","sentiment_score":0.03050963580608368},{"word":"but","start":140.21,"end":140.71,"confidence":0.9983753,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.006742022931575775},{"word":"when","start":141.25,"end":141.49,"confidence":0.78181523,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.09123782813549042},{"word":"it","start":141.49,"end":141.65001,"confidence":0.9997242,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09452338516712187},{"word":"comes","start":141.65001,"end":141.89,"confidence":0.99982244,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.08628365397453308},{"word":"to","start":141.89,"end":142.05,"confidence":0.99553406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09714634716510771},{"word":"the","start":142.05,"end":142.13,"confidence":0.99627256,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1228739619255066},{"word":"claim","start":142.13,"end":142.53,"confidence":0.9971263,"punctuated_word":"claim,","sentiment":"neutral","sentiment_score":-0.11610659956932068},{"word":"if","start":142.53,"end":142.77,"confidence":0.989778,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1309419572353363},{"word":"the","start":142.77,"end":142.85,"confidence":0.99739045,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20307058095932007},{"word":"doctors","start":142.85,"end":143.35,"confidence":0.98911816,"punctuated_word":"doctors","sentiment":"neutral","sentiment_score":-0.16117411851882937},{"word":"the","start":143.81,"end":143.97,"confidence":0.8924598,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22506338357925415},{"word":"two","start":143.97,"end":144.13,"confidence":0.99749774,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.22778385877609253},{"word":"doctors","start":144.13,"end":144.53,"confidence":0.9925621,"punctuated_word":"doctors","sentiment":"neutral","sentiment_score":-0.16421137750148773},{"word":"sign","start":144.53,"end":144.77,"confidence":0.91846883,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":-0.2009277790784836},{"word":"off","start":144.77,"end":144.93001,"confidence":0.981062,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.21285541355609897},{"word":"to","start":144.93001,"end":145.01001,"confidence":0.9887543,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.23813118040561676},{"word":"say","start":145.01001,"end":145.25,"confidence":0.9990336,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.15585756301879883},{"word":"you're","start":145.25,"end":145.49,"confidence":0.90262437,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.17741364240646362},{"word":"never","start":145.49,"end":145.73001,"confidence":0.9996793,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.18978306651115415},{"word":"going","start":145.73001,"end":146.05,"confidence":0.9981659,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.2420051246881485},{"word":"back","start":146.05,"end":146.29001,"confidence":0.995688,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.19309233129024503},{"word":"to","start":146.29001,"end":146.45001,"confidence":0.9962153,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.20933866500854492},{"word":"work","start":146.45001,"end":146.69,"confidence":0.9990866,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.2407357096672058},{"word":"again","start":146.69,"end":147.09001,"confidence":0.99043477,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.24809503555297852},{"word":"generally","start":147.09001,"end":147.57,"confidence":0.8569571,"punctuated_word":"generally,","sentiment":"neutral","sentiment_score":-0.19049423933029175},{"word":"the","start":147.57,"end":147.65001,"confidence":0.9973127,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20443837344646457},{"word":"claim","start":147.65001,"end":147.97,"confidence":0.9793209,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.1123632788658142},{"word":"is","start":147.97,"end":148.13,"confidence":0.988569,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.13497136533260343},{"word":"just","start":148.13,"end":148.485,"confidence":0.9035971,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.09142979234457016},{"word":"accepted","start":148.565,"end":148.965,"confidence":0.9852667,"punctuated_word":"accepted","sentiment":"neutral","sentiment_score":-0.16524818539619446},{"word":"because","start":148.965,"end":149.365,"confidence":0.9042971,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.14888745546340942},{"word":"they","start":149.365,"end":149.525,"confidence":0.99984884,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.2682344615459442},{"word":"go","start":149.525,"end":149.765,"confidence":0.99963033,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.2267971932888031},{"word":"on","start":149.765,"end":149.925,"confidence":0.99936765,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.23386669158935547},{"word":"medical","start":149.925,"end":150.405,"confidence":0.9998419,"punctuated_word":"medical","sentiment":"neutral","sentiment_score":-0.23555149137973783},{"word":"reports","start":150.405,"end":150.725,"confidence":0.9948514,"punctuated_word":"reports","sentiment":"neutral","sentiment_score":-0.25920698046684265},{"word":"and","start":150.725,"end":150.885,"confidence":0.53031445,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.3028881251811981},{"word":"what","start":150.885,"end":151.045,"confidence":0.98029584,"punctuated_word":"what","sentiment":"negative","sentiment_score":-0.3393781781196594},{"word":"doctors","start":151.045,"end":151.445,"confidence":0.99512607,"punctuated_word":"doctors","sentiment":"neutral","sentiment_score":-0.3280174136161804},{"word":"are","start":151.445,"end":151.525,"confidence":0.99262756,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.2751381993293762},{"word":"saying","start":151.525,"end":151.845,"confidence":0.9995492,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.24137070775032043},{"word":"you","start":151.845,"end":152.005,"confidence":0.99436283,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.29755648970603943},{"word":"can","start":152.005,"end":152.245,"confidence":0.9993044,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.29200270771980286},{"word":"and","start":152.245,"end":152.325,"confidence":0.9977463,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.3416523039340973},{"word":"can't","start":152.325,"end":152.645,"confidence":0.998006,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.2874617576599121},{"word":"do","start":152.645,"end":152.805,"confidence":0.9986092,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.3142041265964508},{"word":"for","start":152.805,"end":153.045,"confidence":0.99571663,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.28317466378211975},{"word":"work","start":153.045,"end":153.545,"confidence":0.9848536,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":-0.22812843322753903},{"word":"but","start":154.565,"end":154.805,"confidence":0.6363155,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.06766951084136963},{"word":"like","start":154.805,"end":155.045,"confidence":0.99906385,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.025561656802892685},{"word":"if","start":155.045,"end":155.285,"confidence":0.99968326,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.013175137341022491},{"word":"you","start":155.285,"end":155.365,"confidence":0.99979943,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0010112076997756958},{"word":"wanna","start":155.365,"end":155.685,"confidence":0.9967278,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.02518029883503914},{"word":"take","start":155.685,"end":155.845,"confidence":0.99889094,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.0036699622869491577},{"word":"a","start":155.845,"end":155.925,"confidence":0.9980781,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.012829769402742386},{"word":"little","start":155.925,"end":156.165,"confidence":0.99991417,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.004802249372005463},{"word":"bit","start":156.165,"end":156.325,"confidence":0.9990557,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.0008629560470581055},{"word":"outside","start":156.325,"end":156.645,"confidence":0.9859968,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.0019776225090026855},{"word":"of","start":156.645,"end":156.805,"confidence":0.9702958,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.031922027468681335},{"word":"super","start":156.805,"end":157.125,"confidence":0.36871588,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.007007375359535217},{"word":"to","start":157.125,"end":157.285,"confidence":0.9322153,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.016308441758155823},{"word":"give","start":157.285,"end":157.445,"confidence":0.999421,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.01234722137451172},{"word":"you","start":157.445,"end":157.605,"confidence":0.99874395,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.004301413893699646},{"word":"access","start":157.605,"end":157.925,"confidence":0.9997681,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.008980616927146912},{"word":"to","start":157.925,"end":158.085,"confidence":0.99148977,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0216086283326149},{"word":"their","start":158.085,"end":158.245,"confidence":0.6158854,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.02948964387178421},{"word":"own","start":158.245,"end":158.485,"confidence":0.9987857,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.009951278567314148},{"word":"occupation","start":158.485,"end":158.985,"confidence":0.935184,"punctuated_word":"occupation,","sentiment":"neutral","sentiment_score":0.019479788839817047},{"word":"if","start":159.525,"end":159.685,"confidence":0.9979219,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0015156567096710205},{"word":"they","start":159.685,"end":159.925,"confidence":0.9996426,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.050410039722919464},{"word":"assess","start":159.925,"end":160.325,"confidence":0.9786785,"punctuated_word":"assess","sentiment":"neutral","sentiment_score":0.009006790816783905},{"word":"you","start":160.325,"end":160.485,"confidence":0.9984218,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00415116548538208},{"word":"and","start":160.485,"end":160.645,"confidence":0.9697157,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0033159181475639343},{"word":"you","start":160.645,"end":160.805,"confidence":0.99944,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.014410518109798431},{"word":"don't","start":160.805,"end":161.13,"confidence":0.99946296,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.01744992285966873},{"word":"qualify","start":161.21,"end":161.61,"confidence":0.99685246,"punctuated_word":"qualify","sentiment":"neutral","sentiment_score":0.028993725776672363},{"word":"under","start":161.61,"end":161.85,"confidence":0.9995346,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.00754992663860321},{"word":"any","start":161.85,"end":162.25,"confidence":0.53026617,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.03258499503135681},{"word":"occupation","start":162.25,"end":162.75,"confidence":0.9795233,"punctuated_word":"occupation,","sentiment":"neutral","sentiment_score":-0.02636488899588585},{"word":"then","start":162.81,"end":163.05,"confidence":0.99966776,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.001689821481704712},{"word":"they","start":163.05,"end":163.21,"confidence":0.99915695,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.04301687330007553},{"word":"go","start":163.21,"end":163.45001,"confidence":0.9948572,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.04270745813846588},{"word":"look","start":163.45001,"end":163.61,"confidence":0.97259563,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.03045814484357834},{"word":"at","start":163.61,"end":163.69,"confidence":0.9919761,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03757090121507645},{"word":"their","start":163.69,"end":163.93001,"confidence":0.84318304,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.018087968230247498},{"word":"own","start":163.93001,"end":164.09001,"confidence":0.9994215,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.03967888653278351},{"word":"occupation","start":164.09001,"end":164.59001,"confidence":0.7215803,"punctuated_word":"occupation,","sentiment":"neutral","sentiment_score":0.051816508173942566},{"word":"and","start":165.29001,"end":165.53,"confidence":0.994835,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05721355229616165},{"word":"paying","start":165.53,"end":165.77,"confidence":0.99915683,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.07691406458616257},{"word":"a","start":165.77,"end":165.93001,"confidence":0.9977176,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09707370400428772},{"word":"small","start":165.93001,"end":166.17,"confidence":0.9435264,"punctuated_word":"small","sentiment":"neutral","sentiment_score":0.1061536818742752},{"word":"amount","start":166.17,"end":166.41,"confidence":0.9934623,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.14598464965820312},{"word":"outside","start":166.41,"end":166.81,"confidence":0.9465042,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.14287275075912476},{"word":"sleep","start":166.81,"end":167.05,"confidence":0.50731593,"punctuated_word":"sleep.","sentiment":"neutral","sentiment_score":0.07428913563489914},{"word":"it's","start":167.05,"end":167.29001,"confidence":0.7860068,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.05956677719950676},{"word":"more","start":167.29001,"end":167.53,"confidence":0.9950964,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.09101055562496184},{"word":"just","start":167.53,"end":167.77,"confidence":0.98962724,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09966583549976347},{"word":"about","start":167.77,"end":168.01001,"confidence":0.98548096,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.14699041843414307},{"word":"making","start":168.01001,"end":168.25,"confidence":0.998863,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.18684542179107663},{"word":"it","start":168.25,"end":168.41,"confidence":0.9954334,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.21829542517662048},{"word":"more","start":168.41,"end":168.65001,"confidence":0.99966466,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.22646358609199524},{"word":"cost","start":168.65001,"end":168.97,"confidence":0.99952555,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.2535361051559448},{"word":"effective","start":168.97,"end":169.47,"confidence":0.9989562,"punctuated_word":"effective","sentiment":"neutral","sentiment_score":0.30263519287109375},{"word":"for","start":169.53,"end":169.77,"confidence":0.9999025,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3418947756290436},{"word":"you","start":169.77,"end":170.27,"confidence":0.8814895,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.2369251698255539},{"word":"and","start":170.97,"end":171.13,"confidence":0.99842095,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19834822416305545},{"word":"you","start":171.13,"end":171.29001,"confidence":0.99979585,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2654426097869873},{"word":"can","start":171.29001,"end":171.53,"confidence":0.99978405,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2669820785522461},{"word":"still","start":171.53,"end":171.85,"confidence":0.9996617,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.30531537532806396},{"word":"claim","start":171.85,"end":172.17,"confidence":0.99379843,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.24980948865413663},{"word":"the","start":172.17,"end":172.33,"confidence":0.9988601,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.190822035074234},{"word":"full","start":172.33,"end":172.57,"confidence":0.9998499,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.2701669931411743},{"word":"amount","start":172.57,"end":173.07,"confidence":0.99688613,"punctuated_word":"amount.","sentiment":"neutral","sentiment_score":0.20979878306388855},{"word":"you're","start":173.225,"end":173.545,"confidence":0.9961662,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.143158957362175},{"word":"still","start":173.545,"end":173.785,"confidence":0.9998331,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2134605348110199},{"word":"accessing","start":173.785,"end":174.285,"confidence":0.99726224,"punctuated_word":"accessing","sentiment":"neutral","sentiment_score":0.17316313087940216},{"word":"the","start":174.345,"end":174.425,"confidence":0.9948348,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2005622833967209},{"word":"full","start":174.425,"end":174.66501,"confidence":0.99980706,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.2249200940132141},{"word":"amount","start":174.66501,"end":174.985,"confidence":0.9998909,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.27446094155311584},{"word":"that","start":174.985,"end":175.065,"confidence":0.99975485,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2755945324897766},{"word":"you're","start":175.065,"end":175.46501,"confidence":0.98950493,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1951787918806076},{"word":"eligible","start":175.46501,"end":175.865,"confidence":0.96850586,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":0.215564027428627},{"word":"that","start":176.02501,"end":176.185,"confidence":0.99156123,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24688506126403809},{"word":"you're","start":176.185,"end":176.685,"confidence":0.9522557,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1507667601108551},{"word":"covered","start":177.065,"end":177.38501,"confidence":0.50734925,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":0.18559426069259644},{"word":"for","start":177.38501,"end":177.705,"confidence":0.9979855,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16008199751377106},{"word":"if","start":177.705,"end":177.865,"confidence":0.95118403,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13011400401592255},{"word":"you","start":177.865,"end":178.02501,"confidence":0.9990427,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08111431449651718},{"word":"claim","start":178.02501,"end":178.52501,"confidence":0.9844551,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.09166096895933153},{"word":"on","start":178.585,"end":178.74501,"confidence":0.9997638,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11591631174087524},{"word":"that","start":178.74501,"end":179.24501,"confidence":0.99932414,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.06390759348869324},{"word":"yeah","start":181.38501,"end":181.88501,"confidence":0.94987744,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.005525704473257065},{"word":"yeah","start":184.985,"end":185.485,"confidence":0.9870162,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.030683284625411034},{"word":"yeah","start":187.87,"end":188.19,"confidence":0.8521921,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04211536794900894},{"word":"that's","start":188.19,"end":188.51,"confidence":0.73893416,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.017305292189121246},{"word":"okay","start":188.51,"end":189.01,"confidence":0.99417794,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.0008578486740589142},{"word":"absolutely","start":193.70999,"end":194.20999,"confidence":0.926327,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":-0.007857110351324081},{"word":"yeah","start":201.325,"end":201.825,"confidence":0.96665823,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.041151002049446106},{"word":"yeah","start":208.525,"end":209.005,"confidence":0.9881482,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17197662591934204},{"word":"absolutely","start":209.005,"end":209.505,"confidence":0.9944772,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.27444976568222046},{"word":"yeah","start":210.84,"end":211.34,"confidence":0.97421354,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14766788482666016},{"word":"yeah","start":211.8,"end":212.3,"confidence":0.99901664,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04370773956179619},{"word":"yeah","start":219.4,"end":219.88,"confidence":0.99567664,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11275484412908554},{"word":"that","start":219.88,"end":220.04,"confidence":0.9912305,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.18907955288887024},{"word":"would","start":220.04,"end":220.2,"confidence":0.9998698,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1926169991493225},{"word":"be","start":220.2,"end":220.44,"confidence":0.9998889,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1917729377746582},{"word":"the","start":220.44,"end":220.52,"confidence":0.999689,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18400491774082184},{"word":"best","start":220.52,"end":220.76,"confidence":0.9999471,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.1710878163576126},{"word":"way","start":220.76,"end":221.08,"confidence":0.8157394,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.20371878147125244},{"word":"if","start":221.08,"end":221.24,"confidence":0.99910754,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.14742392301559448},{"word":"you're","start":221.24,"end":221.48,"confidence":0.8691043,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1172325164079666},{"word":"sort","start":221.48,"end":221.64,"confidence":0.9983986,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.10746048390865326},{"word":"of","start":221.64,"end":221.72,"confidence":0.78499967,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10544508695602416},{"word":"wanting","start":221.72,"end":222.04,"confidence":0.99916494,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.0334787517786026},{"word":"to","start":222.04,"end":222.28,"confidence":0.99972254,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.059567928314208984},{"word":"cover","start":222.28,"end":222.6,"confidence":0.9991504,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.018298178911209103},{"word":"yourself","start":222.6,"end":223.0,"confidence":0.9996604,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.01630435138940811},{"word":"in","start":223.0,"end":223.16,"confidence":0.99642664,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0324934646487236},{"word":"that","start":223.16,"end":223.32,"confidence":0.99993384,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04352395981550217},{"word":"instance","start":223.32,"end":223.72,"confidence":0.9994122,"punctuated_word":"instance","sentiment":"neutral","sentiment_score":-0.02024836838245392},{"word":"and","start":223.72,"end":223.88,"confidence":0.9793616,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.006325662136077881},{"word":"just","start":223.88,"end":224.12,"confidence":0.69075656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.048154935240745544},{"word":"cover","start":224.12,"end":224.36,"confidence":0.99965155,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.006436862051486969},{"word":"yourself","start":224.36,"end":224.68,"confidence":0.99943405,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.06018303707242012},{"word":"for","start":224.68,"end":224.84,"confidence":0.56828636,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09457172453403472},{"word":"the","start":224.84,"end":225.0,"confidence":0.7820638,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09213007986545564},{"word":"own","start":225.0,"end":225.16,"confidence":0.9133778,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.09112153947353364},{"word":"occupation","start":225.16,"end":225.66,"confidence":0.9450388,"punctuated_word":"occupation,","sentiment":"neutral","sentiment_score":0.09200476855039597},{"word":"as","start":226.175,"end":226.335,"confidence":0.9998611,"punctuated_word":"As","sentiment":"positive","sentiment_score":0.35706329345703125},{"word":"long","start":226.335,"end":226.495,"confidence":0.99985933,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.3980440497398377},{"word":"as","start":226.495,"end":226.575,"confidence":0.99821305,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3662799298763275},{"word":"you're","start":226.575,"end":226.735,"confidence":0.99870896,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.38928836584091187},{"word":"comfortable","start":226.735,"end":227.235,"confidence":0.99978787,"punctuated_word":"comfortable","sentiment":"positive","sentiment_score":0.3876003623008728},{"word":"with","start":227.295,"end":227.455,"confidence":0.9988065,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4830234944820404},{"word":"doing","start":227.455,"end":227.775,"confidence":0.99995327,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.4210328757762909},{"word":"so","start":227.775,"end":228.015,"confidence":0.9946946,"punctuated_word":"so,","sentiment":"positive","sentiment_score":0.43840155005455017},{"word":"you","start":228.015,"end":228.175,"confidence":0.9997725,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5749560594558716},{"word":"can","start":228.175,"end":228.495,"confidence":0.9998548,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.5771994590759277},{"word":"absolutely","start":228.495,"end":228.995,"confidence":0.9988431,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.6305710077285767},{"word":"take","start":229.05501,"end":229.295,"confidence":0.99974984,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.6499142646789551},{"word":"that","start":229.295,"end":229.455,"confidence":0.9999442,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6039074063301086},{"word":"option","start":229.455,"end":229.935,"confidence":0.9976407,"punctuated_word":"option.","sentiment":"positive","sentiment_score":0.46388906240463257},{"word":"it's","start":229.935,"end":230.175,"confidence":0.99976057,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.4074847102165222},{"word":"just","start":230.175,"end":230.335,"confidence":0.99836856,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.32937243580818176},{"word":"the","start":230.335,"end":230.575,"confidence":0.998694,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3776625394821167},{"word":"out","start":230.575,"end":230.655,"confidence":0.9961558,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3557271361351013},{"word":"of","start":230.655,"end":230.815,"confidence":0.9966941,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3191377520561218},{"word":"pocket","start":230.815,"end":231.215,"confidence":0.9985019,"punctuated_word":"pocket","sentiment":"positive","sentiment_score":0.3404812812805176},{"word":"policy","start":231.215,"end":231.715,"confidence":0.99978536,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.31076645851135254},{"word":"that","start":231.855,"end":232.095,"confidence":0.9996486,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.33182528614997864},{"word":"comes","start":232.095,"end":232.41501,"confidence":0.99978083,"punctuated_word":"comes","sentiment":"positive","sentiment_score":0.3335935175418854},{"word":"with","start":232.41501,"end":232.575,"confidence":0.9996233,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3432484269142151},{"word":"the","start":232.575,"end":232.735,"confidence":0.97558516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28938281536102295},{"word":"secondary","start":232.735,"end":233.235,"confidence":0.9995635,"punctuated_word":"secondary","sentiment":"neutral","sentiment_score":0.31696975231170654},{"word":"quote","start":233.295,"end":233.535,"confidence":0.9916074,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.28288498520851135},{"word":"that","start":233.535,"end":233.695,"confidence":0.99928766,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3940299153327942},{"word":"i","start":233.695,"end":233.775,"confidence":0.87488234,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3640216588973999},{"word":"sent","start":233.775,"end":234.095,"confidence":0.86096764,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.2967972755432129},{"word":"you","start":234.095,"end":234.595,"confidence":0.9782834,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2716420888900757},{"word":"if","start":234.895,"end":235.135,"confidence":0.6784883,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.29607340693473816},{"word":"that's","start":235.135,"end":235.375,"confidence":0.9998325,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.28877052664756775},{"word":"what","start":235.375,"end":235.615,"confidence":0.9995055,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.24203678965568545},{"word":"you","start":235.615,"end":235.935,"confidence":0.9997532,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3308136761188507},{"word":"kind","start":235.935,"end":236.175,"confidence":0.5583645,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2926006317138672},{"word":"of","start":236.175,"end":236.335,"confidence":0.99947053,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3446495831012726},{"word":"wanna","start":236.335,"end":236.575,"confidence":0.9962979,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.3547303080558777},{"word":"go","start":236.575,"end":236.815,"confidence":0.9997414,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.33703985810279846},{"word":"ahead","start":236.815,"end":237.135,"confidence":0.9999236,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.31637778878211975},{"word":"with","start":237.135,"end":237.635,"confidence":0.89506036,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.2760881781578064},{"word":"i'll","start":237.855,"end":238.095,"confidence":0.902643,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2840184271335602},{"word":"just","start":238.095,"end":238.335,"confidence":0.9774795,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2814342677593231},{"word":"on","start":238.335,"end":238.495,"confidence":0.6290859,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.24022389948368073},{"word":"the","start":238.495,"end":238.575,"confidence":0.999008,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25405025482177734},{"word":"last","start":238.575,"end":238.735,"confidence":0.99977833,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.16039717197418213},{"word":"page","start":238.735,"end":238.975,"confidence":0.9971437,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.18920272588729856},{"word":"of","start":238.975,"end":239.135,"confidence":0.99742967,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21004919707775116},{"word":"the","start":239.135,"end":239.295,"confidence":0.99944824,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2018609344959259},{"word":"document","start":239.295,"end":239.695,"confidence":0.999701,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.18364973366260529},{"word":"get","start":239.695,"end":239.855,"confidence":0.8569571,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2182254046201706},{"word":"you","start":239.855,"end":240.015,"confidence":0.9817007,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.198320209980011},{"word":"to","start":240.015,"end":240.255,"confidence":0.97948027,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18708811700344088},{"word":"write","start":240.255,"end":240.41501,"confidence":0.93167084,"punctuated_word":"write","sentiment":"neutral","sentiment_score":0.18090228736400604},{"word":"there","start":240.41501,"end":240.575,"confidence":0.84777385,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1849782168865204},{"word":"that","start":240.575,"end":240.815,"confidence":0.9961392,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2492063939571381},{"word":"you","start":240.815,"end":240.975,"confidence":0.99975675,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2234647423028946},{"word":"wanna","start":240.975,"end":241.295,"confidence":0.977089,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2586326003074646},{"word":"take","start":241.295,"end":241.535,"confidence":0.9986443,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.2484011948108673},{"word":"the","start":241.535,"end":241.695,"confidence":0.99860954,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25424474477767944},{"word":"second","start":241.695,"end":242.07,"confidence":0.9996736,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.2520359754562378},{"word":"quote","start":242.15001,"end":242.55,"confidence":0.98997706,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.18844035267829895},{"word":"having","start":242.55,"end":243.05,"confidence":0.81358707,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.2475925087928772},{"word":"the","start":243.19,"end":243.43001,"confidence":0.9974458,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2594870328903198},{"word":"out","start":243.43001,"end":243.59001,"confidence":0.9884792,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1975143849849701},{"word":"of","start":243.59001,"end":243.75,"confidence":0.9916324,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16320504248142242},{"word":"pocket","start":243.75,"end":244.07,"confidence":0.99889934,"punctuated_word":"pocket","sentiment":"neutral","sentiment_score":0.16514790058135986},{"word":"portion","start":244.07,"end":244.57,"confidence":0.9992304,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":0.23286181688308716},{"word":"of","start":245.51001,"end":245.67001,"confidence":0.795692,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2898823320865631},{"word":"the","start":245.67001,"end":245.91,"confidence":0.99926215,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2749878466129303},{"word":"tbd","start":245.91,"end":246.41,"confidence":0.6105321,"punctuated_word":"TBD","sentiment":"neutral","sentiment_score":0.1459033489227295},{"word":"policy","start":246.55,"end":247.05,"confidence":0.8446009,"punctuated_word":"policy.","sentiment":"neutral","sentiment_score":0.18901687860488892},{"word":"and","start":247.11,"end":247.27,"confidence":0.9992834,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.17428593337535858},{"word":"when","start":247.27,"end":247.43001,"confidence":0.99972767,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.19915567338466644},{"word":"it","start":247.43001,"end":247.59001,"confidence":0.99907506,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.23547528684139252},{"word":"comes","start":247.59001,"end":247.83,"confidence":0.99982375,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.200809583067894},{"word":"back","start":247.83,"end":247.99,"confidence":0.999624,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.22282516956329343},{"word":"to","start":247.99,"end":248.15001,"confidence":0.9991856,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20956212282180783},{"word":"me","start":248.15001,"end":248.31001,"confidence":0.99746907,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.1962871849536896},{"word":"i","start":248.31001,"end":248.47,"confidence":0.99993825,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2263430804014206},{"word":"will","start":248.47,"end":248.63,"confidence":0.99974793,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.18584316968917847},{"word":"make","start":248.63,"end":248.87001,"confidence":0.99970394,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.197894424200058},{"word":"sure","start":248.87001,"end":249.03001,"confidence":0.9986759,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2106330394744873},{"word":"that's","start":249.03001,"end":249.27,"confidence":0.9948081,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2564038038253784},{"word":"all","start":249.27,"end":249.51001,"confidence":0.94712174,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2566947638988495},{"word":"sort","start":249.51001,"end":249.67001,"confidence":0.9434999,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.21148830652236936},{"word":"of","start":249.67001,"end":249.99,"confidence":0.99840313,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23071925342082977},{"word":"ready","start":249.99,"end":250.23001,"confidence":0.99710697,"punctuated_word":"ready","sentiment":"neutral","sentiment_score":0.23036569356918335},{"word":"for","start":250.23001,"end":250.47,"confidence":0.9999105,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2404395043849945},{"word":"you","start":250.47,"end":250.63,"confidence":0.998796,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19076548516750336},{"word":"for","start":250.63,"end":250.79001,"confidence":0.88769054,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.19400377571582791},{"word":"when","start":250.79001,"end":250.95001,"confidence":0.986192,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.14443209767341614},{"word":"we","start":250.95001,"end":251.03001,"confidence":0.99885106,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14352908730506897},{"word":"go","start":251.03001,"end":251.19,"confidence":0.9521205,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1528802514076233},{"word":"to","start":251.19,"end":251.35,"confidence":0.9906529,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15796983242034912},{"word":"application","start":251.35,"end":251.85,"confidence":0.9649131,"punctuated_word":"application","sentiment":"neutral","sentiment_score":0.10272978246212006},{"word":"stage","start":252.15001,"end":252.65001,"confidence":0.9727518,"punctuated_word":"stage.","sentiment":"neutral","sentiment_score":0.10848599672317503},{"word":"but","start":253.51001,"end":253.75,"confidence":0.78765774,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.09950099885463716},{"word":"yeah","start":253.75,"end":253.91,"confidence":0.9826874,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.11099767684936523},{"word":"honestly","start":253.91,"end":254.39001,"confidence":0.99502265,"punctuated_word":"honestly,","sentiment":"neutral","sentiment_score":0.08588901162147522},{"word":"it's","start":254.39001,"end":254.63,"confidence":0.99968576,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1312905251979828},{"word":"completely","start":254.63,"end":255.03001,"confidence":0.99966645,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":0.1951557993888855},{"word":"up","start":255.03001,"end":255.19,"confidence":0.9949936,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.189875066280365},{"word":"to","start":255.19,"end":255.27,"confidence":0.99117845,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2095029652118683},{"word":"you","start":255.27,"end":255.43001,"confidence":0.99944395,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2263146936893463},{"word":"and","start":255.43001,"end":255.51001,"confidence":0.56274384,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1965440809726715},{"word":"what","start":255.51001,"end":255.75,"confidence":0.9986676,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1782953143119812},{"word":"you're","start":255.75,"end":255.91,"confidence":0.99849135,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.155695378780365},{"word":"comfortable","start":255.91,"end":256.41,"confidence":0.9997429,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.06992410868406296},{"word":"with","start":256.47,"end":256.63,"confidence":0.9982867,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":0.06603384017944336},{"word":"i","start":256.63,"end":256.845,"confidence":0.521372,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10398195683956146},{"word":"think","start":256.845,"end":257.085,"confidence":0.99985826,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.20064151287078855},{"word":"the","start":257.085,"end":257.245,"confidence":0.9966427,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2429594099521637},{"word":"biggest","start":257.245,"end":257.565,"confidence":0.9999634,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":-0.3034745454788208},{"word":"risk","start":257.565,"end":257.805,"confidence":0.998638,"punctuated_word":"risk","sentiment":"negative","sentiment_score":-0.35495108366012573},{"word":"with","start":257.805,"end":258.045,"confidence":0.9962196,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.32302871346473694},{"word":"insurances","start":258.045,"end":258.545,"confidence":0.7875806,"punctuated_word":"insurances","sentiment":"negative","sentiment_score":-0.3734920024871826},{"word":"is","start":258.685,"end":258.845,"confidence":0.998588,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.35260963439941406},{"word":"that","start":258.845,"end":259.085,"confidence":0.9977835,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4041895568370819},{"word":"we","start":259.085,"end":259.245,"confidence":0.99901557,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.4088804423809051},{"word":"pay","start":259.245,"end":259.48502,"confidence":0.9987835,"punctuated_word":"pay","sentiment":"negative","sentiment_score":-0.44968435168266296},{"word":"all","start":259.48502,"end":259.645,"confidence":0.9996234,"punctuated_word":"all","sentiment":"negative","sentiment_score":-0.3674511015415192},{"word":"this","start":259.645,"end":259.805,"confidence":0.94782525,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.37497562170028687},{"word":"money","start":259.805,"end":260.045,"confidence":0.9997745,"punctuated_word":"money","sentiment":"negative","sentiment_score":-0.3434043228626251},{"word":"for","start":260.045,"end":260.205,"confidence":0.9979373,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.31388649344444275},{"word":"the","start":260.205,"end":260.365,"confidence":0.99715495,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.36538439989089966},{"word":"premiums","start":260.365,"end":260.845,"confidence":0.7689134,"punctuated_word":"premiums,","sentiment":"neutral","sentiment_score":-0.3160785436630249},{"word":"and","start":260.845,"end":260.925,"confidence":0.8244508,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.32441359758377075},{"word":"then","start":260.925,"end":261.085,"confidence":0.9876171,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.23148556053638455},{"word":"we","start":261.085,"end":261.245,"confidence":0.9987863,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2480851113796234},{"word":"never","start":261.245,"end":261.565,"confidence":0.9985703,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.3128430247306824},{"word":"actually","start":261.565,"end":261.965,"confidence":0.9969799,"punctuated_word":"actually","sentiment":"negative","sentiment_score":-0.4168681800365448},{"word":"claim","start":261.965,"end":262.465,"confidence":0.8587884,"punctuated_word":"claim.","sentiment":"negative","sentiment_score":-0.37662214040756226},{"word":"and","start":262.685,"end":262.925,"confidence":0.9988109,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.22259438037872312},{"word":"you've","start":262.925,"end":263.085,"confidence":0.93249923,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.19783204793930056},{"word":"paid","start":263.085,"end":263.325,"confidence":0.9946278,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.1934231668710709},{"word":"all","start":263.325,"end":263.48502,"confidence":0.96411216,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.14755526185035706},{"word":"the","start":263.48502,"end":263.565,"confidence":0.991768,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16141703724861145},{"word":"money","start":263.565,"end":263.805,"confidence":0.9996213,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.09921382367610931},{"word":"for","start":263.805,"end":264.045,"confidence":0.9820968,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0800413265824318},{"word":"premiums","start":264.045,"end":264.545,"confidence":0.99285567,"punctuated_word":"premiums.","sentiment":"neutral","sentiment_score":-0.14964134991168976},{"word":"there's","start":264.685,"end":264.925,"confidence":0.9548768,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.12176619470119476},{"word":"only","start":264.925,"end":265.165,"confidence":0.9948866,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.1069304421544075},{"word":"a","start":265.165,"end":265.245,"confidence":0.99408627,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10287966579198836},{"word":"very","start":265.245,"end":265.485,"confidence":0.9997621,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.1275857537984848},{"word":"small","start":265.485,"end":265.805,"confidence":0.99968326,"punctuated_word":"small","sentiment":"neutral","sentiment_score":-0.08075471222400665},{"word":"amount","start":265.805,"end":266.045,"confidence":0.999691,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.07967627048492432},{"word":"of","start":266.045,"end":266.125,"confidence":0.9987684,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09193401783704758},{"word":"people","start":266.125,"end":266.445,"confidence":0.99801743,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.08811841905117035},{"word":"who","start":266.445,"end":266.605,"confidence":0.9996271,"punctuated_word":"who","sentiment":"neutral","sentiment_score":-0.0561164990067482},{"word":"actually","start":266.605,"end":267.005,"confidence":0.9981652,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.09420344233512878},{"word":"do","start":267.005,"end":267.165,"confidence":0.9983583,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.060265496373176575},{"word":"go","start":267.165,"end":267.405,"confidence":0.9979937,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.11641460657119752},{"word":"through","start":267.405,"end":267.645,"confidence":0.9928658,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.17046739161014557},{"word":"a","start":267.645,"end":267.725,"confidence":0.68255496,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1071840226650238},{"word":"claim","start":267.725,"end":268.205,"confidence":0.94228196,"punctuated_word":"claim,","sentiment":"neutral","sentiment_score":-0.1500168740749359},{"word":"but","start":268.205,"end":268.525,"confidence":0.99929607,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.08261559903621674},{"word":"insurances","start":268.525,"end":269.025,"confidence":0.99803406,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.053974930197000504},{"word":"are","start":269.245,"end":269.485,"confidence":0.99951077,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0943983644247055},{"word":"about","start":269.485,"end":269.88,"confidence":0.99981827,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.08563945442438126},{"word":"covering","start":269.96,"end":270.16,"confidence":0.99987125,"punctuated_word":"covering","sentiment":"neutral","sentiment_score":-0.11452879011631012},{"word":"the","start":270.16,"end":270.36002,"confidence":0.99987364,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13261519372463226},{"word":"risk","start":270.36002,"end":270.76,"confidence":0.99751174,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.1268080174922943},{"word":"of","start":270.76,"end":270.92,"confidence":0.99810565,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2008945643901825},{"word":"something","start":270.92,"end":271.32,"confidence":0.99988365,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.1893145740032196},{"word":"that","start":271.32,"end":271.56,"confidence":0.99981326,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2135499119758606},{"word":"could","start":271.56,"end":271.80002,"confidence":0.99996877,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.24016347527503967},{"word":"possibly","start":271.80002,"end":272.30002,"confidence":0.99835193,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":-0.2709929347038269},{"word":"happen","start":272.36002,"end":272.76,"confidence":0.9980404,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.2962085008621216},{"word":"to","start":272.76,"end":272.92,"confidence":0.99943703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.21639521420001984},{"word":"you","start":272.92,"end":273.24,"confidence":0.9932382,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.18053624033927915},{"word":"so","start":273.24,"end":273.74,"confidence":0.9991654,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02724384516477585},{"word":"as","start":273.96,"end":274.12,"confidence":0.9954529,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05630908161401749},{"word":"long","start":274.12,"end":274.36002,"confidence":0.9995883,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.05441150814294815},{"word":"as","start":274.36002,"end":274.52002,"confidence":0.9993117,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2757483720779419},{"word":"you're","start":274.52002,"end":274.76,"confidence":0.99510574,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.37131255865097046},{"word":"comfortable","start":274.76,"end":275.26,"confidence":0.9997012,"punctuated_word":"comfortable","sentiment":"positive","sentiment_score":0.3443104028701782},{"word":"having","start":275.32,"end":275.64,"confidence":0.9964211,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.4517882168292999},{"word":"a","start":275.64,"end":275.72,"confidence":0.9998814,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4301501512527466},{"word":"little","start":275.72,"end":275.96,"confidence":0.99994683,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.3913213610649109},{"word":"bit","start":275.96,"end":276.12,"confidence":0.99957675,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.39762821793556213},{"word":"of","start":276.12,"end":276.28,"confidence":0.9988937,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3942987620830536},{"word":"tbd","start":276.28,"end":276.78,"confidence":0.49924773,"punctuated_word":"TBD","sentiment":"neutral","sentiment_score":0.32146596908569336},{"word":"out","start":276.84,"end":277.08002,"confidence":0.99891925,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.352293998003006},{"word":"of","start":277.08002,"end":277.16,"confidence":0.9991328,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.35563337802886963},{"word":"pocket","start":277.16,"end":277.56,"confidence":0.99702334,"punctuated_word":"pocket,","sentiment":"positive","sentiment_score":0.3657830357551574},{"word":"that's","start":277.56,"end":277.96,"confidence":0.9998917,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.4731573760509491},{"word":"absolutely","start":277.96,"end":278.46,"confidence":0.9998597,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.5060501098632812},{"word":"fine","start":278.6,"end":279.0,"confidence":0.9996668,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.417908251285553},{"word":"the","start":279.0,"end":279.16,"confidence":0.9980894,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.32476162910461426},{"word":"cost","start":279.16,"end":279.48,"confidence":0.9985965,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.24210432171821591},{"word":"is","start":279.48,"end":279.64,"confidence":0.99863654,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.33507585525512695},{"word":"pretty","start":279.64,"end":279.96,"confidence":0.9996283,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.3995315730571747},{"word":"minimal","start":279.96,"end":280.36002,"confidence":0.9908639,"punctuated_word":"minimal.","sentiment":"neutral","sentiment_score":0.26258862018585205},{"word":"like","start":280.36002,"end":280.52002,"confidence":0.9804232,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.33223429322242737},{"word":"when","start":280.52002,"end":280.76,"confidence":0.999824,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.3817673325538635},{"word":"i","start":280.76,"end":280.84,"confidence":0.99984574,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.35722601413726807},{"word":"looked","start":280.84,"end":281.0,"confidence":0.99617213,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.32748517394065857},{"word":"at","start":281.0,"end":281.16,"confidence":0.9978759,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.29409974813461304},{"word":"the","start":281.16,"end":281.32,"confidence":0.99900454,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3493480980396271},{"word":"quote","start":281.32,"end":281.56,"confidence":0.76751196,"punctuated_word":"quote,","sentiment":"positive","sentiment_score":0.34152084589004517},{"word":"it","start":281.56,"end":281.64,"confidence":0.9983707,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.41992852091789246},{"word":"was","start":281.64,"end":281.925,"confidence":0.999613,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.4444231986999512},{"word":"actually","start":282.485,"end":282.805,"confidence":0.9943962,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.4683939218521118},{"word":"quite","start":282.805,"end":283.125,"confidence":0.99785465,"punctuated_word":"quite","sentiment":"positive","sentiment_score":0.4638950824737549},{"word":"cheap","start":283.125,"end":283.365,"confidence":0.54860395,"punctuated_word":"cheap","sentiment":"positive","sentiment_score":0.413258284330368},{"word":"to","start":283.365,"end":283.525,"confidence":0.9986613,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4208489954471588},{"word":"have","start":283.525,"end":283.685,"confidence":0.9998498,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.42080292105674744},{"word":"that","start":283.685,"end":283.845,"confidence":0.9994629,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.405448317527771},{"word":"little","start":283.845,"end":284.00497,"confidence":0.99199426,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.32337653636932373},{"word":"bit","start":284.00497,"end":284.245,"confidence":0.9983187,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.37678781151771545},{"word":"paid","start":284.245,"end":284.485,"confidence":0.9984345,"punctuated_word":"paid","sentiment":"positive","sentiment_score":0.3396928012371063},{"word":"out","start":284.485,"end":284.645,"confidence":0.9994942,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3404830992221832},{"word":"of","start":284.645,"end":284.805,"confidence":0.99707615,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.34474608302116394},{"word":"your","start":284.805,"end":284.965,"confidence":0.99885404,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.34845471382141113},{"word":"back","start":284.965,"end":285.205,"confidence":0.99799347,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2618958055973053},{"word":"pocket","start":285.205,"end":285.525,"confidence":0.9988618,"punctuated_word":"pocket","sentiment":"positive","sentiment_score":0.34085461497306824},{"word":"on","start":285.525,"end":285.76498,"confidence":0.9995988,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3737910985946655},{"word":"a","start":285.76498,"end":286.16498,"confidence":0.9998913,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3677547574043274},{"word":"a","start":286.16498,"end":286.245,"confidence":0.9773093,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3290467858314514},{"word":"monthly","start":286.245,"end":286.645,"confidence":0.9988055,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.3044827878475189},{"word":"or","start":286.645,"end":286.965,"confidence":0.98285204,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.3500017523765564},{"word":"on","start":286.965,"end":287.125,"confidence":0.95893776,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3753632307052612},{"word":"a","start":287.125,"end":287.28497,"confidence":0.9994406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3733527064323426},{"word":"regular","start":287.28497,"end":287.685,"confidence":0.99989164,"punctuated_word":"regular","sentiment":"positive","sentiment_score":0.341616153717041},{"word":"basis","start":287.685,"end":288.185,"confidence":0.99982005,"punctuated_word":"basis","sentiment":"positive","sentiment_score":0.337577223777771},{"word":"to","start":288.245,"end":288.405,"confidence":0.9899474,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.36967504024505615},{"word":"give","start":288.405,"end":288.645,"confidence":0.99991333,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.33157289028167725},{"word":"you","start":288.645,"end":288.805,"confidence":0.9996586,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.39928701519966125},{"word":"that","start":288.805,"end":288.965,"confidence":0.9841787,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3665252923965454},{"word":"own","start":288.965,"end":289.205,"confidence":0.94408756,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.2958824038505554},{"word":"occupation","start":289.205,"end":289.705,"confidence":0.9974136,"punctuated_word":"occupation","sentiment":"neutral","sentiment_score":0.18480584025382996},{"word":"definition","start":289.925,"end":290.405,"confidence":0.97585726,"punctuated_word":"definition.","sentiment":"neutral","sentiment_score":0.29155653715133667},{"word":"and","start":290.405,"end":290.645,"confidence":0.9997979,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.29502296447753906},{"word":"as","start":290.645,"end":290.805,"confidence":0.94670725,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3431757986545563},{"word":"i","start":290.805,"end":290.88498,"confidence":0.99762696,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3340102732181549},{"word":"mentioned","start":290.88498,"end":291.205,"confidence":0.9973562,"punctuated_word":"mentioned,","sentiment":"neutral","sentiment_score":0.326140820980072},{"word":"you","start":291.205,"end":291.365,"confidence":0.99972206,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4025849401950836},{"word":"can","start":291.365,"end":291.525,"confidence":0.9996232,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.40371614694595337},{"word":"claim","start":291.525,"end":291.845,"confidence":0.9953264,"punctuated_word":"claim","sentiment":"positive","sentiment_score":0.4732114970684051},{"word":"the","start":291.845,"end":292.085,"confidence":0.99654585,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4002035856246948},{"word":"full","start":292.085,"end":292.32498,"confidence":0.9994716,"punctuated_word":"full","sentiment":"positive","sentiment_score":0.4043903946876526},{"word":"amount","start":292.32498,"end":292.565,"confidence":0.99970055,"punctuated_word":"amount","sentiment":"positive","sentiment_score":0.4146873354911804},{"word":"of","start":292.565,"end":292.72498,"confidence":0.99972504,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4371733963489533},{"word":"tbd","start":292.72498,"end":293.22498,"confidence":0.95856875,"punctuated_word":"TBD.","sentiment":"neutral","sentiment_score":0.3257429599761963},{"word":"it's","start":293.365,"end":293.60498,"confidence":0.99934894,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.4062107801437378},{"word":"absolutely","start":293.60498,"end":294.085,"confidence":0.99979097,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.4500316083431244},{"word":"fine","start":294.085,"end":294.585,"confidence":0.9986285,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.3636349737644195},{"word":"yeah","start":298.78,"end":299.28,"confidence":0.913689,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03269181773066521},{"word":"i","start":299.42,"end":299.58,"confidence":0.9987066,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16734707355499268},{"word":"can","start":299.58,"end":299.74,"confidence":0.9999268,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1618390679359436},{"word":"bring","start":299.74,"end":299.98,"confidence":0.9999069,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.24403664469718933},{"word":"it","start":299.98,"end":300.06,"confidence":0.9995895,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.270984411239624},{"word":"up","start":300.06,"end":300.22,"confidence":0.9987264,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.25690633058547974},{"word":"for","start":300.22,"end":300.38,"confidence":0.9999124,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.24359771609306335},{"word":"you","start":300.38,"end":300.62,"confidence":0.99984956,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.21340647339820865},{"word":"yeah","start":300.62,"end":300.86,"confidence":0.99947155,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.23615118861198425},{"word":"not","start":300.86,"end":301.02,"confidence":0.9988574,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.3962012827396393},{"word":"a","start":301.02,"end":301.18,"confidence":0.99716777,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27601557970046997},{"word":"problem","start":301.18,"end":301.42,"confidence":0.9990657,"punctuated_word":"problem","sentiment":"positive","sentiment_score":0.3715818524360657},{"word":"at","start":301.42,"end":301.58,"confidence":0.9921814,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3376844525337219},{"word":"all","start":301.58,"end":301.82,"confidence":0.9995022,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.3995591402053833},{"word":"i","start":301.82,"end":301.9,"confidence":0.99928504,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5019299983978271},{"word":"actually","start":301.9,"end":302.22,"confidence":0.995926,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.5116500854492188},{"word":"have","start":302.22,"end":302.38,"confidence":0.9997422,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5062477588653564},{"word":"it","start":302.38,"end":302.62,"confidence":0.9998331,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.47631222009658813},{"word":"all","start":302.62,"end":302.78,"confidence":0.9999118,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4690009355545044},{"word":"here","start":302.78,"end":303.1,"confidence":0.99971455,"punctuated_word":"here","sentiment":"positive","sentiment_score":0.501457154750824},{"word":"for","start":303.1,"end":303.26,"confidence":0.99992204,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4753565490245819},{"word":"you","start":303.26,"end":303.76,"confidence":0.9999576,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4216491580009461},{"word":"sorry","start":303.9,"end":304.13998,"confidence":0.9983226,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":0.2317292094230652},{"word":"i","start":304.13998,"end":304.3,"confidence":0.9953434,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2673203647136688},{"word":"hope","start":304.3,"end":304.46,"confidence":0.9858636,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.36628055572509766},{"word":"it's","start":304.46,"end":304.7,"confidence":0.6016696,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.3091364800930023},{"word":"okay","start":304.7,"end":304.86,"confidence":0.94629014,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.33157914876937866},{"word":"i'll","start":304.86,"end":305.02,"confidence":0.9893707,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.29857224225997925},{"word":"give","start":305.02,"end":305.26,"confidence":0.99759954,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.3166835606098175},{"word":"you","start":305.26,"end":305.34,"confidence":0.99798125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30534201860427856},{"word":"a","start":305.34,"end":305.41998,"confidence":0.9891403,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26631850004196167},{"word":"call","start":305.41998,"end":305.58,"confidence":0.9962355,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.2409513145685196},{"word":"i","start":305.58,"end":305.66,"confidence":0.9958688,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14120352268218994},{"word":"thought","start":305.66,"end":305.9,"confidence":0.9934608,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":0.1476026177406311},{"word":"i've","start":305.9,"end":306.13998,"confidence":0.9365517,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.1876910924911499},{"word":"got","start":306.13998,"end":306.3,"confidence":0.9998419,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.20959022641181943},{"word":"the","start":306.3,"end":306.46,"confidence":0.9993686,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17708320915699005},{"word":"email","start":306.46,"end":306.78,"confidence":0.8767942,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.1633332371711731},{"word":"and","start":306.78,"end":306.86,"confidence":0.99845755,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12966877222061157},{"word":"i","start":306.86,"end":306.94,"confidence":0.99830425,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10328134894371031},{"word":"thought","start":306.94,"end":307.18,"confidence":0.9951139,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":0.11199067533016203},{"word":"i've","start":307.18,"end":307.34,"confidence":0.974182,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.15749695897102356},{"word":"got","start":307.34,"end":307.5,"confidence":0.99971515,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.14739187061786652},{"word":"some","start":307.5,"end":307.66,"confidence":0.9980642,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.14920660853385925},{"word":"time","start":307.66,"end":307.9,"confidence":0.9788611,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.19310298562049863},{"word":"let's","start":307.9,"end":308.115,"confidence":0.993217,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.3227200508117676},{"word":"call","start":308.19498,"end":308.435,"confidence":0.9998944,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.3273525536060333},{"word":"you","start":308.435,"end":308.595,"confidence":0.9998004,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.32030996680259705},{"word":"now","start":308.595,"end":308.835,"confidence":0.99942756,"punctuated_word":"now","sentiment":"positive","sentiment_score":0.3610571324825287},{"word":"and","start":308.835,"end":308.995,"confidence":0.98458004,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.34334972500801086},{"word":"go","start":308.995,"end":309.235,"confidence":0.99963224,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.3760564923286438},{"word":"through","start":309.235,"end":309.395,"confidence":0.99945325,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.3571157455444336},{"word":"your","start":309.395,"end":309.63498,"confidence":0.9989542,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.32826462388038635},{"word":"questions","start":309.63498,"end":310.035,"confidence":0.9997496,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.2724847197532654},{"word":"to","start":310.035,"end":310.275,"confidence":0.9991455,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2954777181148529},{"word":"make","start":310.275,"end":310.435,"confidence":0.9999535,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.3305070996284485},{"word":"it","start":310.435,"end":310.595,"confidence":0.99942076,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.33491888642311096},{"word":"a","start":310.595,"end":310.675,"confidence":0.99953115,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3981987237930298},{"word":"bit","start":310.675,"end":310.835,"confidence":0.99969745,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.3711099624633789},{"word":"easier","start":310.835,"end":311.235,"confidence":0.9986859,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.3022715449333191},{"word":"on","start":311.235,"end":311.395,"confidence":0.9996629,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2993902564048767},{"word":"you","start":311.395,"end":311.895,"confidence":0.9998213,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1984601318836212},{"word":"let's","start":313.47498,"end":313.715,"confidence":0.9790385,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.00697339465841651},{"word":"have","start":313.715,"end":313.875,"confidence":0.99934155,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03136470168828964},{"word":"a","start":313.875,"end":313.955,"confidence":0.99872345,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.034720294177532196},{"word":"look","start":313.955,"end":314.455,"confidence":0.98362446,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.02425612136721611},{"word":"yeah","start":316.835,"end":317.335,"confidence":0.7457001,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.22160488367080688},{"word":"i've","start":321.48,"end":321.80002,"confidence":0.9134462,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.24521204829216003},{"word":"got","start":321.80002,"end":321.88,"confidence":0.99972636,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2482675462961197},{"word":"the","start":321.88,"end":322.36002,"confidence":0.9993291,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2796102464199066},{"word":"ascended","start":322.36002,"end":322.76,"confidence":0.34266523,"punctuated_word":"ascended","sentiment":"neutral","sentiment_score":0.28505179286003113},{"word":"quote","start":322.76,"end":323.08002,"confidence":0.96209186,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.2567498981952667},{"word":"here","start":323.08002,"end":323.48,"confidence":0.99918115,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.2618929147720337},{"word":"perfect","start":323.48,"end":323.96002,"confidence":0.9996355,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4820595979690552},{"word":"sorry","start":323.96002,"end":324.12003,"confidence":0.7508472,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":0.0889691710472107},{"word":"just","start":324.12003,"end":324.44,"confidence":0.96820503,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.04325207322835922},{"word":"opening","start":324.44,"end":324.76,"confidence":0.9960169,"punctuated_word":"opening","sentiment":"neutral","sentiment_score":0.0909862145781517},{"word":"it","start":324.76,"end":324.84,"confidence":0.77371734,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14949962496757507},{"word":"up","start":324.84,"end":325.0,"confidence":0.93886423,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.019334562122821808},{"word":"won't","start":325.0,"end":325.24002,"confidence":0.9523262,"punctuated_word":"Won't","sentiment":"neutral","sentiment_score":0.011737778782844543},{"word":"be","start":325.24002,"end":325.40002,"confidence":0.9990772,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.006867945194244385},{"word":"a","start":325.40002,"end":325.56,"confidence":0.99687433,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.010530803352594376},{"word":"second","start":325.56,"end":326.06,"confidence":0.99992174,"punctuated_word":"second.","sentiment":"neutral","sentiment_score":-0.025238867849111557},{"word":"okay","start":328.28,"end":328.78,"confidence":0.9417734,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05578479543328285},{"word":"so","start":328.92,"end":329.42,"confidence":0.99940383,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.024264462292194366},{"word":"the","start":329.88,"end":330.2,"confidence":0.9681712,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.030656196177005768},{"word":"inside","start":330.2,"end":330.7,"confidence":0.91932297,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.042374931275844574},{"word":"super","start":330.76,"end":331.0,"confidence":0.9802138,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.08994482457637787},{"word":"policy","start":331.0,"end":331.48,"confidence":0.9964759,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.06031135469675064},{"word":"doesn't","start":331.48,"end":331.80002,"confidence":0.99992913,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.03201673552393913},{"word":"change","start":331.80002,"end":332.04,"confidence":0.9998248,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.07502519339323044},{"word":"in","start":332.04,"end":332.2,"confidence":0.988972,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06325074285268784},{"word":"any","start":332.2,"end":332.44,"confidence":0.9983658,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.04467862844467163},{"word":"way","start":332.44,"end":332.6,"confidence":0.6886984,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":-0.07425884902477264},{"word":"shape","start":332.6,"end":332.84,"confidence":0.98746,"punctuated_word":"shape,","sentiment":"neutral","sentiment_score":-0.008469007909297943},{"word":"or","start":332.84,"end":333.08002,"confidence":0.9966864,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.006096437573432922},{"word":"form","start":333.08002,"end":333.32,"confidence":0.99826545,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.0004156380891799927},{"word":"with","start":333.32,"end":333.48,"confidence":0.98904616,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.009429112076759338},{"word":"that","start":333.48,"end":333.72,"confidence":0.9993839,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07794889807701111},{"word":"secondary","start":333.72,"end":334.22,"confidence":0.998814,"punctuated_word":"secondary","sentiment":"neutral","sentiment_score":0.06301209330558777},{"word":"quote","start":334.36002,"end":334.6,"confidence":0.97876513,"punctuated_word":"quote.","sentiment":"neutral","sentiment_score":0.026545995846390724},{"word":"it's","start":334.6,"end":334.76,"confidence":0.9470906,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.05789740011096001},{"word":"just","start":334.76,"end":335.0,"confidence":0.9972741,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08222755789756775},{"word":"adding","start":335.0,"end":335.24002,"confidence":0.9996729,"punctuated_word":"adding","sentiment":"neutral","sentiment_score":0.09184928238391876},{"word":"a","start":335.24002,"end":335.40002,"confidence":0.99984884,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09956570714712144},{"word":"little","start":335.40002,"end":335.56,"confidence":0.99997115,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.11146983504295348},{"word":"bit","start":335.56,"end":335.72,"confidence":0.99991524,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11306785047054292},{"word":"of","start":335.72,"end":335.88,"confidence":0.9995049,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1137855052947998},{"word":"a","start":335.88,"end":336.04,"confidence":0.7322601,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10369057208299635},{"word":"premium","start":336.04,"end":336.52002,"confidence":0.9997123,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.06435997784137726},{"word":"out","start":336.52002,"end":336.68002,"confidence":0.99919385,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.090169720351696},{"word":"of","start":336.68002,"end":336.76,"confidence":0.9990325,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06774219870567322},{"word":"pocket","start":336.76,"end":337.26,"confidence":0.8187885,"punctuated_word":"pocket,","sentiment":"neutral","sentiment_score":0.07574126869440079},{"word":"and","start":337.845,"end":337.925,"confidence":0.98506826,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05928797274827957},{"word":"it's","start":337.925,"end":338.16498,"confidence":0.99850565,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.09091849625110626},{"word":"showing","start":338.16498,"end":338.485,"confidence":0.99995756,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":0.06644615530967712},{"word":"here","start":338.485,"end":338.72498,"confidence":0.9995654,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.061533257365226746},{"word":"that","start":338.72498,"end":338.88498,"confidence":0.99940956,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04165903851389885},{"word":"the","start":338.88498,"end":339.04498,"confidence":0.99949145,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.052507154643535614},{"word":"out","start":339.04498,"end":339.205,"confidence":0.99841905,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.0506572499871254},{"word":"of","start":339.205,"end":339.285,"confidence":0.99514043,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04106677323579788},{"word":"pocket","start":339.285,"end":339.685,"confidence":0.99940395,"punctuated_word":"pocket","sentiment":"neutral","sentiment_score":0.03424372896552086},{"word":"portion","start":339.685,"end":340.16498,"confidence":0.9960646,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":0.03381779044866562},{"word":"on","start":340.16498,"end":340.32498,"confidence":0.9848018,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03618289530277252},{"word":"a","start":340.32498,"end":340.485,"confidence":0.9998056,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03484559804201126},{"word":"monthly","start":340.485,"end":340.88498,"confidence":0.99991524,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.02344595640897751},{"word":"basis","start":340.88498,"end":341.285,"confidence":0.99969983,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.03252999484539032},{"word":"is","start":341.285,"end":341.60498,"confidence":0.9994103,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.009375445544719696},{"word":"$20.27","start":341.60498,"end":342.88498,"confidence":0.96700037,"punctuated_word":"$20.27","sentiment":"neutral","sentiment_score":0.043686769902706146},{"word":"dollars","start":342.88498,"end":343.205,"confidence":0.9998392,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.037431295961141586},{"word":"and","start":343.205,"end":343.44498,"confidence":0.99947315,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.027045704424381256},{"word":"86¢","start":343.44498,"end":344.585,"confidence":0.9989433,"punctuated_word":"86¢"},{"word":"on","start":344.88498,"end":345.125,"confidence":0.9899232,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04008181765675545},{"word":"a","start":345.125,"end":345.205,"confidence":0.999876,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03575880825519562},{"word":"monthly","start":345.205,"end":345.685,"confidence":0.99989176,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.030913297086954117},{"word":"basis","start":345.685,"end":346.085,"confidence":0.92326784,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":0.010646816343069077},{"word":"so","start":346.085,"end":346.32498,"confidence":0.99875903,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.007956195622682571},{"word":"that","start":346.32498,"end":346.565,"confidence":0.9991309,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03692670166492462},{"word":"05/12","start":346.565,"end":347.125,"confidence":0.99182427,"punctuated_word":"05/12","sentiment":"neutral","sentiment_score":0.02994837425649166},{"word":"is","start":347.125,"end":347.365,"confidence":0.8680122,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02025187760591507},{"word":"about","start":347.365,"end":347.60498,"confidence":0.9987733,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.02156248688697815},{"word":"$334.32","start":347.60498,"end":350.16498,"confidence":0.9993952,"punctuated_word":"$334.32","sentiment":"neutral","sentiment_score":0.02270117774605751},{"word":"per","start":350.16498,"end":350.405,"confidence":0.99553204,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.005480289459228516},{"word":"year","start":350.405,"end":350.905,"confidence":0.9977913,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.0057377442717552185},{"word":"so","start":362.59,"end":362.83002,"confidence":0.9922665,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.09747825562953948},{"word":"no","start":362.91,"end":363.07,"confidence":0.9988698,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.08652426302433014},{"word":"it'll","start":363.07,"end":363.39,"confidence":0.99012166,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":-0.048499953001737595},{"word":"be","start":363.39,"end":363.63,"confidence":0.9919803,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.03881089761853218},{"word":"paid","start":363.63,"end":363.87,"confidence":0.9920963,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.022718917578458783},{"word":"direct","start":363.87,"end":364.27,"confidence":0.99307454,"punctuated_word":"direct","sentiment":"neutral","sentiment_score":-0.05027538537979126},{"word":"to","start":364.27,"end":364.35,"confidence":0.98837435,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.013181999325752258},{"word":"them","start":364.35,"end":364.85,"confidence":0.9781947,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":-0.02395621687173843},{"word":"we","start":365.07,"end":365.23,"confidence":0.69013935,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.04666285961866379},{"word":"can","start":365.23,"end":365.39,"confidence":0.9877103,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06702342629432678},{"word":"set","start":365.39,"end":365.71,"confidence":0.9900331,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.07712380588054657},{"word":"it","start":365.71,"end":365.79,"confidence":0.9071096,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09190607815980913},{"word":"up","start":365.79,"end":365.87,"confidence":0.98741406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0968032032251358},{"word":"as","start":365.87,"end":366.03,"confidence":0.9885485,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08370180428028107},{"word":"a","start":366.03,"end":366.11002,"confidence":0.97422034,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07530403882265091},{"word":"direct","start":366.11002,"end":366.35,"confidence":0.99564373,"punctuated_word":"direct","sentiment":"neutral","sentiment_score":0.05534760653972626},{"word":"debit","start":366.35,"end":366.75,"confidence":0.94926304,"punctuated_word":"debit","sentiment":"neutral","sentiment_score":0.04450433701276779},{"word":"to","start":366.75,"end":366.885,"confidence":0.70062345,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.055771924555301666},{"word":"come","start":366.885,"end":367.31412,"confidence":0.98923993,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.04827162250876427},{"word":"out","start":367.31412,"end":367.74323,"confidence":0.9987857,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.04552200436592102},{"word":"of","start":367.74323,"end":368.17233,"confidence":0.9865572,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05227284133434296},{"word":"your","start":368.17233,"end":368.60144,"confidence":0.998139,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05107787996530533},{"word":"bank","start":368.60144,"end":369.03055,"confidence":0.99957055,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.05783874541521072},{"word":"account","start":369.03055,"end":369.45966,"confidence":0.99963176,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.04575514420866966},{"word":"or","start":369.45966,"end":369.88876,"confidence":0.89444566,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03280823305249214},{"word":"your","start":369.88876,"end":370.31787,"confidence":0.9977513,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05483192577958107},{"word":"credit","start":370.31787,"end":370.74698,"confidence":0.9998933,"punctuated_word":"credit","sentiment":"neutral","sentiment_score":0.04614797234535217},{"word":"card","start":370.74698,"end":371.1761,"confidence":0.9990928,"punctuated_word":"card","sentiment":"neutral","sentiment_score":0.05076334625482559},{"word":"or","start":371.1761,"end":371.6052,"confidence":0.95799,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.047380480915308},{"word":"however","start":371.6052,"end":372.0343,"confidence":0.99787056,"punctuated_word":"however","sentiment":"neutral","sentiment_score":0.05174599587917328},{"word":"you","start":372.0343,"end":372.4634,"confidence":0.99597293,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04730050265789032},{"word":"would","start":372.4634,"end":372.89252,"confidence":0.99988544,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.03832609951496124},{"word":"like","start":372.89252,"end":373.3216,"confidence":0.99967754,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0254676416516304},{"word":"to","start":373.3216,"end":373.7507,"confidence":0.9984945,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.028517339378595352},{"word":"pay","start":373.7507,"end":374.1798,"confidence":0.9999126,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.02414894290268421},{"word":"for","start":374.1798,"end":374.60892,"confidence":0.9985305,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1628035604953766},{"word":"that","start":374.60892,"end":375.03802,"confidence":0.99706393,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14416541159152985},{"word":"at","start":375.03802,"end":375.46713,"confidence":0.99794,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1257970929145813},{"word":"the","start":375.46713,"end":375.89624,"confidence":0.9981665,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0992189198732376},{"word":"time","start":375.89624,"end":376.32535,"confidence":0.9997712,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.10394555330276488},{"word":"of","start":376.32535,"end":376.75446,"confidence":0.9993998,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06597519665956497},{"word":"application","start":376.75446,"end":377.18356,"confidence":0.99596417,"punctuated_word":"application.","sentiment":"neutral","sentiment_score":0.11573484539985655},{"word":"yeah","start":377.18356,"end":377.61267,"confidence":0.9987089,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05254126340150833},{"word":"yeah","start":377.61267,"end":378.04178,"confidence":0.73986614,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05967186763882637},{"word":"okay","start":378.04178,"end":378.4709,"confidence":0.7439601,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04962761700153351},{"word":"yep","start":378.4709,"end":378.9,"confidence":0.8102464,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04994780570268631},{"word":"yeah","start":381.46,"end":381.96,"confidence":0.9905361,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02361936867237091},{"word":"absolutely","start":385.94,"end":386.44,"confidence":0.9861724,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.07561512291431427},{"word":"yeah","start":387.53998,"end":388.03998,"confidence":0.99866194,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.021231865510344505},{"word":"no","start":388.1,"end":388.5,"confidence":0.99863315,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10950670391321182},{"word":"completely","start":388.5,"end":389.0,"confidence":0.99979115,"punctuated_word":"Completely","sentiment":"neutral","sentiment_score":-0.08843661844730377},{"word":"understandable","start":389.13998,"end":389.63998,"confidence":0.9817951,"punctuated_word":"understandable.","sentiment":"neutral","sentiment_score":-0.14081239700317383},{"word":"and","start":389.69998,"end":389.86,"confidence":0.7992697,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.0406588576734066},{"word":"look","start":389.86,"end":390.02,"confidence":0.9857105,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":-0.004545707255601883},{"word":"this","start":390.02,"end":390.18,"confidence":0.9996942,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.03923092782497406},{"word":"is","start":390.18,"end":390.41998,"confidence":0.99083745,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.014087878167629242},{"word":"gonna","start":390.41998,"end":390.66,"confidence":0.99716103,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.00003590434789657593},{"word":"be","start":390.66,"end":390.82,"confidence":0.99523664,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0058171749114990234},{"word":"reviewed","start":390.82,"end":391.22,"confidence":0.82764864,"punctuated_word":"reviewed","sentiment":"neutral","sentiment_score":-0.014117516577243803},{"word":"with","start":391.22,"end":391.38,"confidence":0.9997656,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.016541533172130585},{"word":"you","start":391.38,"end":391.53998,"confidence":0.9996823,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.046079471707344055},{"word":"every","start":391.53998,"end":391.78,"confidence":0.99958616,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.028372623026371},{"word":"year","start":391.78,"end":391.94,"confidence":0.9991794,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.042753640562295914},{"word":"when","start":391.94,"end":392.18,"confidence":0.9824044,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.05000720173120499},{"word":"we","start":392.18,"end":392.34,"confidence":0.9996339,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04924192652106285},{"word":"do","start":392.34,"end":392.41998,"confidence":0.99980026,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.057798486202955246},{"word":"things","start":392.41998,"end":392.82,"confidence":0.99973124,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.06744930148124695},{"word":"anyway","start":392.82,"end":393.22,"confidence":0.7825675,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":0.0197267048060894},{"word":"so","start":393.22,"end":393.615,"confidence":0.9991455,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0342441201210022},{"word":"we'll","start":393.69498,"end":393.85498,"confidence":0.99842227,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.050268590450286865},{"word":"go","start":393.85498,"end":394.01498,"confidence":0.9992093,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06389235705137253},{"word":"through","start":394.01498,"end":394.095,"confidence":0.9938444,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06843291968107224},{"word":"a","start":394.095,"end":394.255,"confidence":0.8911464,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.035047635436058044},{"word":"review","start":394.255,"end":394.57498,"confidence":0.8823199,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":0.0037963292561471462},{"word":"we'll","start":394.57498,"end":394.735,"confidence":0.9996414,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.10220523923635484},{"word":"look","start":394.735,"end":394.895,"confidence":0.9997836,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08514711260795593},{"word":"at","start":394.895,"end":394.97498,"confidence":0.9992505,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1029818281531334},{"word":"your","start":394.97498,"end":395.13498,"confidence":0.9869192,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11984854936599731},{"word":"super","start":395.13498,"end":395.535,"confidence":0.483725,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.1478252112865448},{"word":"look","start":395.535,"end":395.69498,"confidence":0.9689248,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09223194420337676},{"word":"at","start":395.69498,"end":395.85498,"confidence":0.9958081,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12397629767656326},{"word":"how","start":395.85498,"end":396.01498,"confidence":0.99946934,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1671455353498459},{"word":"things","start":396.01498,"end":396.255,"confidence":0.9996828,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.2631823718547821},{"word":"are","start":396.255,"end":396.335,"confidence":0.9989058,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.15818241238594055},{"word":"working","start":396.335,"end":396.655,"confidence":0.999905,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.18897560238838196},{"word":"for","start":396.655,"end":396.815,"confidence":0.99968004,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13823202252388},{"word":"you","start":396.815,"end":397.055,"confidence":0.7898971,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.11300946027040482},{"word":"look","start":397.055,"end":397.13498,"confidence":0.9845099,"punctuated_word":"Look","sentiment":"neutral","sentiment_score":0.04999736323952675},{"word":"at","start":397.13498,"end":397.29498,"confidence":0.9992506,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04248082637786865},{"word":"the","start":397.29498,"end":397.455,"confidence":0.9994041,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.052510716021060944},{"word":"insurance","start":397.455,"end":397.935,"confidence":0.99987864,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.0446481816470623},{"word":"coverage","start":397.935,"end":398.41498,"confidence":0.99486256,"punctuated_word":"coverage.","sentiment":"neutral","sentiment_score":0.0410299114882946},{"word":"the","start":398.41498,"end":398.57498,"confidence":0.9965552,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.0741218701004982},{"word":"idea","start":398.57498,"end":398.815,"confidence":0.99511045,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.08152611553668976},{"word":"is","start":398.815,"end":399.055,"confidence":0.993342,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10001559555530548},{"word":"we","start":399.055,"end":399.215,"confidence":0.98511326,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11426520347595216},{"word":"start","start":399.215,"end":399.455,"confidence":0.997638,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.11259088665246964},{"word":"with","start":399.455,"end":399.615,"confidence":0.99982977,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12113194912672044},{"word":"a","start":399.615,"end":399.69498,"confidence":0.9807146,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13486608862876892},{"word":"higher","start":399.69498,"end":399.935,"confidence":0.9450933,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.07817395776510239},{"word":"level","start":399.935,"end":400.255,"confidence":0.9999052,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.04404592141509056},{"word":"of","start":400.255,"end":400.41498,"confidence":0.9996685,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06666731834411621},{"word":"cover","start":400.41498,"end":400.655,"confidence":0.99845207,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.05824645608663559},{"word":"now","start":400.655,"end":401.155,"confidence":0.9980989,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.13165858387947085},{"word":"as","start":401.375,"end":401.615,"confidence":0.58766073,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12173041701316832},{"word":"your","start":401.615,"end":401.85498,"confidence":0.9947954,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14029765129089355},{"word":"super","start":401.85498,"end":402.095,"confidence":0.9978218,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.10782118141651154},{"word":"balance","start":402.095,"end":402.495,"confidence":0.95695096,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.1374620795249939},{"word":"grows","start":402.495,"end":402.995,"confidence":0.97578824,"punctuated_word":"grows,","sentiment":"neutral","sentiment_score":0.13714183866977692},{"word":"as","start":403.055,"end":403.29498,"confidence":0.99988794,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09302125126123428},{"word":"your","start":403.29498,"end":403.79498,"confidence":0.99535215,"punctuated_word":"your,","sentiment":"neutral","sentiment_score":0.10416004061698914},{"word":"you","start":404.255,"end":404.41498,"confidence":0.99826556,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08182426542043686},{"word":"know","start":404.41498,"end":404.655,"confidence":0.99974316,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.09682197868824004},{"word":"your","start":404.655,"end":404.815,"confidence":0.99880254,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11619512736797331},{"word":"mortgage","start":404.815,"end":405.315,"confidence":0.9997274,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.03751099854707718},{"word":"decreases","start":405.375,"end":405.85498,"confidence":0.8631352,"punctuated_word":"decreases,","sentiment":"neutral","sentiment_score":0.061534494161605835},{"word":"as","start":405.85498,"end":406.01498,"confidence":0.9987079,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0731060728430748},{"word":"you","start":406.01498,"end":406.255,"confidence":0.9997818,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10938101261854172},{"word":"don't","start":406.255,"end":406.57498,"confidence":0.9999259,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.07041547447443008},{"word":"need","start":406.57498,"end":406.895,"confidence":0.99979466,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.04457243159413338},{"word":"so","start":406.895,"end":407.055,"confidence":0.9992107,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.05187003314495087},{"word":"much","start":407.055,"end":407.43,"confidence":0.9999684,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.02446199581027031},{"word":"cover","start":407.43,"end":407.66998,"confidence":0.98416024,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":0.031243620440363884},{"word":"we","start":407.66998,"end":407.83,"confidence":0.9997274,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10595358908176422},{"word":"can","start":407.83,"end":407.91,"confidence":0.99853003,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10281068086624146},{"word":"start","start":407.91,"end":408.22998,"confidence":0.999191,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.0800211951136589},{"word":"to","start":408.22998,"end":408.38998,"confidence":0.99884063,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07391135394573212},{"word":"reduce","start":408.38998,"end":408.71,"confidence":0.99906915,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.06228087097406387},{"word":"the","start":408.71,"end":408.87,"confidence":0.9997179,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04222928732633591},{"word":"level","start":408.87,"end":409.19,"confidence":0.99993455,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.01423100009560585},{"word":"of","start":409.19,"end":409.35,"confidence":0.99968743,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02095881476998329},{"word":"cover","start":409.35,"end":409.59,"confidence":0.9985972,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.027418915182352063},{"word":"that","start":409.59,"end":409.75,"confidence":0.999858,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10392601788043976},{"word":"you","start":409.75,"end":409.91,"confidence":0.9999292,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10500042885541916},{"word":"have","start":409.91,"end":410.07,"confidence":0.9906341,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":0.08659815788269043},{"word":"that's","start":410.07,"end":410.38998,"confidence":0.9984075,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2868407368659973},{"word":"essentially","start":410.38998,"end":410.78998,"confidence":0.9768371,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.27772295475006104},{"word":"the","start":410.78998,"end":410.94998,"confidence":0.9969568,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2985338270664215},{"word":"ultimate","start":410.94998,"end":411.43,"confidence":0.99962866,"punctuated_word":"ultimate","sentiment":"neutral","sentiment_score":0.28957125544548035},{"word":"goal","start":411.43,"end":411.75,"confidence":0.9674513,"punctuated_word":"goal.","sentiment":"positive","sentiment_score":0.3414008617401123},{"word":"so","start":411.75,"end":411.99,"confidence":0.99933535,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4064928889274597},{"word":"by","start":411.99,"end":412.15,"confidence":0.9966884,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.3933214247226715},{"word":"the","start":412.15,"end":412.31,"confidence":0.99933654,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3774966299533844},{"word":"time","start":412.31,"end":412.55,"confidence":0.99992764,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.4173302948474884},{"word":"you","start":412.55,"end":412.71,"confidence":0.99837494,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.366006076335907},{"word":"retire","start":412.71,"end":413.19,"confidence":0.9432636,"punctuated_word":"retire,","sentiment":"neutral","sentiment_score":0.3235235810279846},{"word":"it's","start":413.19,"end":413.35,"confidence":0.7366574,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.4134298264980316},{"word":"lovely","start":413.35,"end":413.83,"confidence":0.52617055,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.49549466371536255},{"word":"super","start":413.83,"end":414.15,"confidence":0.3452104,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.567284882068634},{"word":"balance","start":414.15,"end":414.63,"confidence":0.7224955,"punctuated_word":"balance,","sentiment":"positive","sentiment_score":0.5024499893188477},{"word":"hopefully","start":414.63,"end":415.03,"confidence":0.8508908,"punctuated_word":"hopefully,","sentiment":"positive","sentiment_score":0.431257963180542},{"word":"no","start":415.03,"end":415.27,"confidence":0.9992705,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.3275587260723114},{"word":"debt","start":415.27,"end":415.77,"confidence":0.93595374,"punctuated_word":"debt,","sentiment":"neutral","sentiment_score":0.2826799750328064},{"word":"and","start":416.07,"end":416.31,"confidence":0.62044126,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.27597376704216003},{"word":"don't","start":416.31,"end":416.63,"confidence":0.99002206,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.27814027667045593},{"word":"need","start":416.63,"end":416.78998,"confidence":0.9998369,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.24580532312393188},{"word":"to","start":416.78998,"end":416.94998,"confidence":0.99981755,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22024855017662048},{"word":"be","start":416.94998,"end":417.27,"confidence":0.9992859,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.19485121965408325},{"word":"insured","start":417.27,"end":417.77,"confidence":0.9837572,"punctuated_word":"insured","sentiment":"neutral","sentiment_score":0.1883106380701065},{"word":"with","start":417.91,"end":418.15,"confidence":0.94940656,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2341077625751495},{"word":"any","start":418.15,"end":418.38998,"confidence":0.998376,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.28216448426246643},{"word":"insurance","start":418.38998,"end":418.87,"confidence":0.9995185,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.2449435144662857},{"word":"covered","start":418.87,"end":419.19,"confidence":0.7199612,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":0.3070221543312073},{"word":"there","start":419.19,"end":419.35,"confidence":0.933858,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.3256946802139282},{"word":"you'll","start":419.35,"end":419.50998,"confidence":0.7488574,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.3103119730949402},{"word":"be","start":419.50998,"end":419.66998,"confidence":0.9982508,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2775401771068573},{"word":"fully","start":419.66998,"end":419.99,"confidence":0.99834085,"punctuated_word":"fully","sentiment":"positive","sentiment_score":0.3974328935146332},{"word":"self","start":419.99,"end":420.22998,"confidence":0.9993907,"punctuated_word":"self","sentiment":"positive","sentiment_score":0.3640398383140564},{"word":"insured","start":420.22998,"end":420.72998,"confidence":0.99958664,"punctuated_word":"insured","sentiment":"neutral","sentiment_score":0.2602998614311218},{"word":"as","start":420.78998,"end":420.87,"confidence":0.9998915,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3357698321342468},{"word":"well","start":420.87,"end":421.27,"confidence":0.9693997,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.27611061930656433},{"word":"so","start":421.27,"end":421.77,"confidence":0.99947625,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16029052436351776},{"word":"that's","start":422.085,"end":422.325,"confidence":0.9994339,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.17003807425498962},{"word":"the","start":422.325,"end":422.48502,"confidence":0.99986553,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16432899236679077},{"word":"ultimate","start":422.48502,"end":422.965,"confidence":0.999726,"punctuated_word":"ultimate","sentiment":"neutral","sentiment_score":0.12538737058639526},{"word":"goal","start":422.965,"end":423.285,"confidence":0.9645646,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.16944842040538788},{"word":"with","start":423.285,"end":423.445,"confidence":0.9974183,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1470472663640976},{"word":"how","start":423.445,"end":423.605,"confidence":0.9998685,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.18863032758235931},{"word":"we","start":423.605,"end":423.765,"confidence":0.9992724,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1464201807975769},{"word":"sort","start":423.765,"end":423.925,"confidence":0.98797137,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.24118228256702423},{"word":"of","start":423.925,"end":424.085,"confidence":0.99826944,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23839956521987915},{"word":"want","start":424.085,"end":424.325,"confidence":0.9079856,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.2911292612552643},{"word":"it","start":424.325,"end":424.405,"confidence":0.98806936,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.24334752559661865},{"word":"to","start":424.405,"end":424.565,"confidence":0.9993455,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17512287199497223},{"word":"work","start":424.565,"end":425.065,"confidence":0.84304893,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":0.1818501055240631},{"word":"and","start":425.765,"end":425.925,"confidence":0.60483205,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13725583255290985},{"word":"we'll","start":425.925,"end":426.165,"confidence":0.9998219,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.1275871843099594},{"word":"review","start":426.165,"end":426.48502,"confidence":0.99998176,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.1185724437236786},{"word":"it","start":426.48502,"end":426.645,"confidence":0.9982609,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1604740172624588},{"word":"with","start":426.645,"end":426.805,"confidence":0.9998703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07376791536808014},{"word":"you","start":426.805,"end":426.965,"confidence":0.99967384,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12811945378780365},{"word":"because","start":426.965,"end":427.205,"confidence":0.7040541,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.04662511497735977},{"word":"these","start":427.205,"end":427.445,"confidence":0.98761576,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.03785930946469307},{"word":"insurance","start":427.445,"end":427.845,"confidence":0.99952805,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.005915127694606781},{"word":"premiums","start":427.845,"end":428.245,"confidence":0.99495584,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":-0.020424773916602135},{"word":"do","start":428.245,"end":428.405,"confidence":0.99700874,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.023114904761314392},{"word":"get","start":428.405,"end":428.645,"confidence":0.99937445,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.025212325155735016},{"word":"more","start":428.645,"end":428.885,"confidence":0.9999119,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.06674531102180481},{"word":"expensive","start":428.885,"end":429.365,"confidence":0.99760795,"punctuated_word":"expensive","sentiment":"neutral","sentiment_score":-0.06765267252922058},{"word":"over","start":429.365,"end":429.525,"confidence":0.9409653,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.05126316472887993},{"word":"time","start":429.525,"end":429.845,"confidence":0.99969244,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.0363222174346447},{"word":"as","start":429.845,"end":430.005,"confidence":0.9944811,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.04566151648759842},{"word":"you","start":430.005,"end":430.165,"confidence":0.99979025,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.014588020741939545},{"word":"get","start":430.165,"end":430.405,"confidence":0.9994733,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.01587098091840744},{"word":"older","start":430.405,"end":430.725,"confidence":0.90571505,"punctuated_word":"older","sentiment":"neutral","sentiment_score":-0.05109911412000656},{"word":"as","start":430.725,"end":430.885,"confidence":0.91122127,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.03920620679855347},{"word":"the","start":430.885,"end":431.045,"confidence":0.92975235,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.023630093783140182},{"word":"risk","start":431.045,"end":431.285,"confidence":0.9995109,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.020399782806634903},{"word":"of","start":431.285,"end":431.445,"confidence":0.9905157,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04412180930376053},{"word":"you","start":431.445,"end":431.605,"confidence":0.9985703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.011786110699176788},{"word":"making","start":431.605,"end":431.925,"confidence":0.99789006,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.03910502418875694},{"word":"a","start":431.925,"end":432.085,"confidence":0.9740598,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03940286487340927},{"word":"claim","start":432.085,"end":432.405,"confidence":0.9954607,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.07374165952205658},{"word":"increases","start":432.405,"end":432.885,"confidence":0.88246226,"punctuated_word":"increases.","sentiment":"neutral","sentiment_score":-0.03341396152973175},{"word":"so","start":432.885,"end":433.045,"confidence":0.99825937,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.010862864553928375},{"word":"we","start":433.045,"end":433.205,"confidence":0.9995245,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.027825886383652687},{"word":"do","start":433.205,"end":433.365,"confidence":0.9977666,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0280296690762043},{"word":"wanna","start":433.365,"end":433.685,"confidence":0.99781466,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.029869478195905685},{"word":"review","start":433.685,"end":434.005,"confidence":0.999584,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.0035272054374217987},{"word":"that","start":434.005,"end":434.245,"confidence":0.86774963,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.009124334901571274},{"word":"yeah","start":434.245,"end":434.405,"confidence":0.9983964,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06522645056247711},{"word":"but","start":434.405,"end":434.79,"confidence":0.9767444,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.08986658602952957},{"word":"i","start":434.87,"end":435.03,"confidence":0.9999347,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1068805605173111},{"word":"mean","start":435.03,"end":435.19,"confidence":0.999823,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.14966563880443573},{"word":"once","start":435.19,"end":435.35,"confidence":0.9996674,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.1918615698814392},{"word":"we","start":435.35,"end":435.51,"confidence":0.9544192,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12045370042324066},{"word":"go","start":435.51,"end":435.75,"confidence":0.5640991,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.14751504361629486},{"word":"to","start":435.75,"end":435.91,"confidence":0.9767061,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13654935359954834},{"word":"application","start":435.91,"end":436.31,"confidence":0.8059485,"punctuated_word":"application","sentiment":"neutral","sentiment_score":0.07870863378047943},{"word":"space","start":436.31,"end":436.63,"confidence":0.69476664,"punctuated_word":"space,","sentiment":"neutral","sentiment_score":0.08798106014728546},{"word":"if","start":436.63,"end":436.71002,"confidence":0.7818754,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12163996696472168},{"word":"you're","start":436.71002,"end":436.95,"confidence":0.9294716,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.09846095740795135},{"word":"comfortable","start":436.95,"end":437.35,"confidence":0.9873705,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.0994202271103859},{"word":"with","start":437.35,"end":437.51,"confidence":0.9875416,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10290482640266418},{"word":"that","start":437.51,"end":437.67,"confidence":0.9995121,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1361573338508606},{"word":"little","start":437.67,"end":437.83002,"confidence":0.9960223,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.14312386512756348},{"word":"bit","start":437.83002,"end":437.99002,"confidence":0.99901295,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.12057506293058395},{"word":"of","start":437.99002,"end":438.15,"confidence":0.97954446,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10896188020706175},{"word":"extra","start":438.15,"end":438.55002,"confidence":0.9871215,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.12318167090415956},{"word":"outside","start":438.55002,"end":439.03,"confidence":0.8832958,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.14261876046657562},{"word":"of","start":439.03,"end":439.11002,"confidence":0.97542405,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12521043419837952},{"word":"super","start":439.11002,"end":439.51,"confidence":0.25242448,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.14834588766098022},{"word":"for","start":439.51,"end":439.91,"confidence":0.76944995,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.1361946314573288},{"word":"you","start":439.91,"end":440.15,"confidence":0.93955076,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13205625116825104},{"word":"know","start":440.15,"end":440.47,"confidence":0.99591947,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.16774988174438477},{"word":"the","start":440.47,"end":440.79,"confidence":0.99877506,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19545936584472656},{"word":"the","start":440.79,"end":440.95,"confidence":0.99829406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2041785567998886},{"word":"bigger","start":440.95,"end":441.27002,"confidence":0.99077773,"punctuated_word":"bigger","sentiment":"neutral","sentiment_score":0.22445270419120789},{"word":"benefit","start":441.27002,"end":441.59,"confidence":0.99723536,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.2343195229768753},{"word":"there","start":441.59,"end":441.83002,"confidence":0.99155265,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.3234800696372986},{"word":"of","start":441.83002,"end":441.91,"confidence":0.99330586,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.27600106596946716},{"word":"having","start":441.91,"end":442.23,"confidence":0.99981445,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.24413694441318512},{"word":"the","start":442.23,"end":442.31,"confidence":0.50095564,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23080900311470032},{"word":"own","start":442.31,"end":442.55002,"confidence":0.7833768,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.2626914083957672},{"word":"occupation","start":442.55002,"end":443.05002,"confidence":0.9968767,"punctuated_word":"occupation,","sentiment":"neutral","sentiment_score":0.21992000937461853},{"word":"we'll","start":443.27002,"end":443.75,"confidence":0.75387186,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.261130154132843},{"word":"happily","start":443.75,"end":444.25,"confidence":0.9977266,"punctuated_word":"happily","sentiment":"positive","sentiment_score":0.4051761329174042},{"word":"organize","start":444.31,"end":444.79,"confidence":0.9985051,"punctuated_word":"organize","sentiment":"neutral","sentiment_score":0.16682912409305573},{"word":"that","start":444.79,"end":444.95,"confidence":0.99987924,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2476663887500763},{"word":"with","start":444.95,"end":445.11002,"confidence":0.99979144,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.24213871359825137},{"word":"you","start":445.11002,"end":445.27002,"confidence":0.99707556,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.22830186784267423},{"word":"it's","start":445.27002,"end":445.51,"confidence":0.9990148,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.2581856846809387},{"word":"not","start":445.51,"end":445.67,"confidence":0.9998264,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.23541690409183505},{"word":"a","start":445.67,"end":445.75,"confidence":0.9983986,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24433425068855288},{"word":"problem","start":445.75,"end":446.15,"confidence":0.9999201,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.24520473182201383},{"word":"at","start":446.15,"end":446.31,"confidence":0.99859804,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2487758994102478},{"word":"all","start":446.31,"end":446.63,"confidence":0.9997175,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.2076389193534851},{"word":"okay","start":446.63,"end":447.13,"confidence":0.8171821,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.13936364650726318},{"word":"absolutely","start":451.105,"end":451.605,"confidence":0.7925352,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.6515675783157349},{"word":"it's","start":451.98502,"end":452.225,"confidence":0.9941312,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.6320419907569885},{"word":"cheaper","start":452.225,"end":452.625,"confidence":0.59287184,"punctuated_word":"cheaper","sentiment":"positive","sentiment_score":0.5703624486923218},{"word":"than","start":452.625,"end":452.66498,"confidence":0.9944982,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.5814040899276733},{"word":"a","start":452.66498,"end":452.705,"confidence":0.9792422,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6313196420669556},{"word":"cup","start":452.705,"end":452.945,"confidence":0.996831,"punctuated_word":"cup","sentiment":"positive","sentiment_score":0.5110700726509094},{"word":"of","start":452.945,"end":453.105,"confidence":0.9983525,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5569966435432434},{"word":"coffee","start":453.105,"end":453.605,"confidence":0.9992089,"punctuated_word":"coffee.","sentiment":"positive","sentiment_score":0.4696987569332123},{"word":"yeah","start":455.905,"end":456.405,"confidence":0.94424295,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2779809236526489},{"word":"easy","start":457.345,"end":457.845,"confidence":0.98267955,"punctuated_word":"Easy.","sentiment":"positive","sentiment_score":0.4940210282802582},{"word":"that's","start":458.785,"end":459.185,"confidence":0.97001624,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2580312490463257},{"word":"not","start":459.185,"end":459.425,"confidence":0.99950004,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.2957402765750885},{"word":"a","start":459.425,"end":459.505,"confidence":0.9989506,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.28208252787590027},{"word":"problem","start":459.505,"end":460.005,"confidence":0.9993597,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.29577332735061646},{"word":"yep","start":462.76,"end":463.26,"confidence":0.81706166,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15752142667770386},{"word":"no","start":464.04,"end":464.28,"confidence":0.8136322,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.15027958154678345},{"word":"worries","start":464.28,"end":464.6,"confidence":0.9994313,"punctuated_word":"worries","sentiment":"neutral","sentiment_score":0.1346685290336609},{"word":"at","start":464.6,"end":464.68002,"confidence":0.9423906,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1486092060804367},{"word":"all","start":464.68002,"end":464.92,"confidence":0.9483261,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.1835223138332367},{"word":"and","start":464.92,"end":465.0,"confidence":0.98829424,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.14084386825561523},{"word":"just","start":465.0,"end":465.16,"confidence":0.9989312,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13941408693790436},{"word":"leave","start":465.16,"end":465.32,"confidence":0.9994504,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.15121984481811523},{"word":"a","start":465.32,"end":465.40002,"confidence":0.9879133,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15602529048919678},{"word":"little","start":465.40002,"end":465.64,"confidence":0.9991239,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1624070405960083},{"word":"note","start":465.64,"end":465.88,"confidence":0.99893266,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.09071303904056548},{"word":"for","start":465.88,"end":466.04,"confidence":0.9983057,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1406124085187912},{"word":"me","start":466.04,"end":466.2,"confidence":0.99986064,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.13544908165931702},{"word":"on","start":466.2,"end":466.28,"confidence":0.99934715,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13126301765441897},{"word":"the","start":466.28,"end":466.36002,"confidence":0.9989962,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12806522846221924},{"word":"very","start":466.36002,"end":466.6,"confidence":0.9996087,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.0997183918952942},{"word":"last","start":466.6,"end":466.92,"confidence":0.9996612,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.08866819739341736},{"word":"page","start":466.92,"end":467.24002,"confidence":0.9997267,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.1023644432425499},{"word":"there","start":467.24002,"end":467.72,"confidence":0.9935452,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.11818862706422806},{"word":"if","start":467.72,"end":467.96002,"confidence":0.80783087,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.08718039095401764},{"word":"there's","start":467.96002,"end":468.28,"confidence":0.9785384,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.06064298003911972},{"word":"no","start":468.28,"end":468.44,"confidence":0.9943336,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.06101374328136444},{"word":"there's","start":468.68002,"end":469.0,"confidence":0.99948454,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.051368117332458496},{"word":"normally","start":469.0,"end":469.32,"confidence":0.9919635,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":0.04876032844185829},{"word":"a","start":469.32,"end":469.40002,"confidence":0.9973532,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.026539893820881844},{"word":"section","start":469.40002,"end":469.72,"confidence":0.99783933,"punctuated_word":"section","sentiment":"neutral","sentiment_score":0.05256152153015137},{"word":"that","start":469.72,"end":469.88,"confidence":0.99607986,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.022636398673057556},{"word":"has","start":469.88,"end":470.12003,"confidence":0.999303,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.020465437322854996},{"word":"a","start":470.12003,"end":470.2,"confidence":0.9976019,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.025204339995980263},{"word":"text","start":470.2,"end":470.44,"confidence":0.9967495,"punctuated_word":"text","sentiment":"neutral","sentiment_score":0.04449936002492905},{"word":"box","start":470.44,"end":470.68002,"confidence":0.76050436,"punctuated_word":"box,","sentiment":"neutral","sentiment_score":0.05421549081802368},{"word":"and","start":470.68002,"end":470.84003,"confidence":0.99333185,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04824569448828697},{"word":"you","start":470.84003,"end":470.92,"confidence":0.9980757,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05956389009952545},{"word":"can","start":470.92,"end":471.08002,"confidence":0.9984124,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0446191132068634},{"word":"kinda","start":471.08002,"end":471.40002,"confidence":0.9851081,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.04641840606927872},{"word":"leave","start":471.40002,"end":471.56,"confidence":0.9993864,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.04324974492192269},{"word":"a","start":471.56,"end":471.64,"confidence":0.99964833,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04512869566679001},{"word":"note","start":471.64,"end":471.88,"confidence":0.9998436,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.02320820838212967},{"word":"there","start":471.88,"end":472.335,"confidence":0.9991287,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.022566083818674088},{"word":"if","start":472.57498,"end":472.815,"confidence":0.9812541,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.028343208134174347},{"word":"it","start":472.815,"end":472.895,"confidence":0.9998192,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.040912460535764694},{"word":"doesn't","start":472.895,"end":473.29498,"confidence":0.99995345,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.033862367272377014},{"word":"work","start":473.29498,"end":473.535,"confidence":0.9998666,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.03304770216345787},{"word":"in","start":473.535,"end":473.775,"confidence":0.99850225,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.040130048990249634},{"word":"any","start":473.775,"end":473.935,"confidence":0.99806243,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.061317842453718185},{"word":"way","start":473.935,"end":474.175,"confidence":0.96066785,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.03057078644633293},{"word":"shape","start":474.175,"end":474.41498,"confidence":0.9797472,"punctuated_word":"shape,","sentiment":"neutral","sentiment_score":0.0318036824464798},{"word":"or","start":474.41498,"end":474.57498,"confidence":0.9993186,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04159335792064667},{"word":"form","start":474.57498,"end":474.895,"confidence":0.99772495,"punctuated_word":"form,","sentiment":"neutral","sentiment_score":0.037384994328022},{"word":"just","start":474.895,"end":475.13498,"confidence":0.99982196,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05590898543596268},{"word":"shoot","start":475.13498,"end":475.29498,"confidence":0.9997806,"punctuated_word":"shoot","sentiment":"neutral","sentiment_score":0.0889085903763771},{"word":"me","start":475.29498,"end":475.535,"confidence":0.99987066,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.15086635947227478},{"word":"an","start":475.535,"end":475.69498,"confidence":0.9995455,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.11680062115192412},{"word":"email","start":475.69498,"end":476.19498,"confidence":0.9999262,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.10708798468112946},{"word":"letting","start":476.41498,"end":476.735,"confidence":0.813946,"punctuated_word":"letting","sentiment":"neutral","sentiment_score":0.16787628829479218},{"word":"me","start":476.735,"end":476.895,"confidence":0.99920624,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.18477828800678253},{"word":"to","start":476.895,"end":477.13498,"confidence":0.5000489,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19167326390743256},{"word":"know","start":477.13498,"end":477.375,"confidence":0.9881192,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.19186224043369293},{"word":"the","start":477.375,"end":477.615,"confidence":0.99074125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16341310739517212},{"word":"directions","start":477.615,"end":478.095,"confidence":0.9955426,"punctuated_word":"directions","sentiment":"neutral","sentiment_score":0.16848641633987427},{"word":"that","start":478.095,"end":478.335,"confidence":0.9998535,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1872017532587051},{"word":"you","start":478.335,"end":478.41498,"confidence":0.9999373,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15677179396152496},{"word":"wanna","start":478.41498,"end":478.815,"confidence":0.99297416,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.17679789662361145},{"word":"take","start":478.815,"end":479.315,"confidence":0.99653155,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.16164664924144745},{"word":"and","start":479.615,"end":479.85498,"confidence":0.8741636,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13175110518932345},{"word":"any","start":479.85498,"end":480.175,"confidence":0.99927896,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.15560850501060486},{"word":"alterations","start":480.175,"end":480.675,"confidence":0.9186361,"punctuated_word":"alterations.","sentiment":"neutral","sentiment_score":0.11118587106466292},{"word":"and","start":480.735,"end":480.97498,"confidence":0.9996867,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.17643848061561584},{"word":"as","start":480.97498,"end":481.055,"confidence":0.9996511,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2171848714351654},{"word":"long","start":481.055,"end":481.215,"confidence":0.9998628,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.2215293645858765},{"word":"as","start":481.215,"end":481.375,"confidence":0.99729854,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2301468849182129},{"word":"i","start":481.375,"end":481.535,"confidence":0.99958223,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23645462095737457},{"word":"have","start":481.535,"end":481.615,"confidence":0.9999051,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2867704927921295},{"word":"it","start":481.615,"end":481.775,"confidence":0.99878865,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2785191535949707},{"word":"in","start":481.775,"end":481.935,"confidence":0.9985422,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.24157704412937164},{"word":"writing","start":481.935,"end":482.255,"confidence":0.99858963,"punctuated_word":"writing,","sentiment":"neutral","sentiment_score":0.2835598587989807},{"word":"i","start":482.255,"end":482.41498,"confidence":0.99982196,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.32924365997314453},{"word":"can","start":482.41498,"end":482.57498,"confidence":0.9997181,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3321298062801361},{"word":"make","start":482.57498,"end":482.735,"confidence":0.99974006,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.3815593123435974},{"word":"it","start":482.735,"end":482.895,"confidence":0.9995895,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3416961431503296},{"word":"happen","start":482.895,"end":483.215,"confidence":0.9998227,"punctuated_word":"happen","sentiment":"positive","sentiment_score":0.3677917718887329},{"word":"for","start":483.215,"end":483.375,"confidence":0.9997949,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3936175405979157},{"word":"you","start":483.375,"end":483.775,"confidence":0.9998325,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2578089237213135},{"word":"okay","start":483.775,"end":484.275,"confidence":0.994303,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.07492038607597351},{"word":"no","start":486.75693,"end":487.07693,"confidence":0.95790666,"punctuated_word":"No","sentiment":"positive","sentiment_score":0.4642656147480011},{"word":"worries","start":487.07693,"end":487.39694,"confidence":0.80085707,"punctuated_word":"worries,","sentiment":"positive","sentiment_score":0.6112394332885742},{"word":"ben","start":487.39694,"end":487.63693,"confidence":0.9828172,"punctuated_word":"Ben.","sentiment":"positive","sentiment_score":0.6143968105316162},{"word":"thanks","start":487.63693,"end":487.87695,"confidence":0.9991548,"punctuated_word":"Thanks","sentiment":"positive","sentiment_score":0.8049344420433044},{"word":"for","start":487.87695,"end":487.95694,"confidence":0.99902976,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8381673097610474},{"word":"taking","start":487.95694,"end":488.27695,"confidence":0.999818,"punctuated_word":"taking","sentiment":"positive","sentiment_score":0.9050533175468444},{"word":"my","start":488.27695,"end":488.43695,"confidence":0.999765,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.8823626041412354},{"word":"call","start":488.43695,"end":488.75693,"confidence":0.99988294,"punctuated_word":"call.","sentiment":"positive","sentiment_score":0.8441285490989685},{"word":"have","start":488.75693,"end":488.91693,"confidence":0.99987304,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.7444348931312561},{"word":"a","start":488.91693,"end":488.99695,"confidence":0.9995758,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7877988815307617},{"word":"lovely","start":488.99695,"end":489.47693,"confidence":0.99998033,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.8383424282073975},{"word":"evening","start":489.47693,"end":489.97693,"confidence":0.9998423,"punctuated_word":"evening.","sentiment":"positive","sentiment_score":0.7974896430969238},{"word":"thanks","start":491.15695,"end":491.55695,"confidence":0.93942285,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.71428382396698},{"word":"see","start":491.55695,"end":491.71695,"confidence":0.9975605,"punctuated_word":"See","sentiment":"positive","sentiment_score":0.47090643644332886},{"word":"you","start":491.71695,"end":491.87695,"confidence":0.99961853,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5826709270477295},{"word":"later","start":491.87695,"end":492.37695,"confidence":0.998336,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":-0.08378902822732925}],"paragraphs":{"transcript":"\nHi, Ben. It's Dana from Okey Financial. How are you? I'm very well. Thank you.\n\nDo you have some time now for a bit of a quick chat? I'm so sorry. Just the afternoons are pretty busy this week. That's all. Is now okay for you?\n\nYep. Oh, no. That's okay. I'm here for another sort of ten minutes, so it's all good, honestly. Yeah.\n\nYes. Yes. Yes. Yeah. Yeah.\n\nOf course. Yep. No. That is a good question, but, no, definitely not. So, essentially, paying part of it outside of soup still entitles you to the full claim.\n\nIt just means that you're only paying a smaller amount out of your back pocket. But, like, you can still claim the full million dollars of TPD if anything happens. The way that sort of works is they do assess the inside of super portion first under the any occupation. And, look, what they're gonna look for is it's essentially, if the doctor signs off to say that, hey. You're never gonna go back to work again, and you've got your your two doctors, one being a specialist saying you're not gonna be able to do your job again, the likelihood of you being able to stand up in front of a class or sit down in front of a class could be pretty minimal there as well.\n\nSo I've honestly not seen claims come back declined when the two doctors have provided all the documentation going, this client's never going back to work again. Generally, the assessment team will just approve it. There won't be any problem there. It's more just coming down to what your doctors will sign off on, and it is harder when you're younger to get doctors to sign off. They may go, hey.\n\nLook. You can probably do a bit of teaching, or you might be able to work in a call center. But when it comes to the claim, if the doctors the two doctors sign off to say you're never going back to work again, generally, the claim is just accepted because they go on medical reports and what doctors are saying you can and can't do for work. But, like, if you wanna take a little bit outside of super to give you access to their own occupation, if they assess you and you don't qualify under any occupation, then they go look at their own occupation, and paying a small amount outside sleep. It's more just about making it more cost effective for you, and you can still claim the full amount.\n\nYou're still accessing the full amount that you're eligible that you're covered for if you claim on that. Yeah. Yeah. Yeah. That's okay.\n\nAbsolutely. Yeah. Yeah. Absolutely. Yeah.\n\nYeah. Yeah. That would be the best way. If you're sort of wanting to cover yourself in that instance and just cover yourself for the own occupation, As long as you're comfortable with doing so, you can absolutely take that option. It's just the out of pocket policy that comes with the secondary quote that I sent you.\n\nIf that's what you kind of wanna go ahead with, I'll just on the last page of the document get you to write there that you wanna take the second quote having the out of pocket portion of the TBD policy. And when it comes back to me, I will make sure that's all sort of ready for you for when we go to application stage. But, yeah, honestly, it's completely up to you and what you're comfortable with. I think the biggest risk with insurances is that we pay all this money for the premiums, and then we never actually claim. And you've paid all the money for premiums.\n\nThere's only a very small amount of people who actually do go through a claim, but insurances are about covering the risk of something that could possibly happen to you. So as long as you're comfortable having a little bit of TBD out of pocket, that's absolutely fine. The cost is pretty minimal. Like, when I looked at the quote, it was actually quite cheap to have that little bit paid out of your back pocket on a a monthly or on a regular basis to give you that own occupation definition. And as I mentioned, you can claim the full amount of TBD.\n\nIt's absolutely fine. Yeah. I can bring it up for you. Yeah. Not a problem at all.\n\nI actually have it all here for you. Sorry. I hope it's okay. I'll give you a call. I thought I've got the email, and I thought I've got some time.\n\nLet's call you now and go through your questions to make it a bit easier on you. Let's have a look. Yeah. I've got the ascended quote here. Perfect.\n\nSorry. Just opening it up. Won't be a second. Okay. So the inside super policy doesn't change in any way, shape, or form with that secondary quote.\n\nIt's just adding a little bit of a premium out of pocket, and it's showing here that the out of pocket portion on a monthly basis is $20.27 dollars and 86¢ on a monthly basis. So that 05/12 is about $334.32 per year. So no. It'll be paid direct to them. We can set it up as a direct debit to come out of your bank account or your credit card or however you would like to pay for that at the time of application.\n\nYeah. Yeah. Okay. Yep. Yeah.\n\nAbsolutely. Yeah. No. Completely understandable. And, look, this is gonna be reviewed with you every year when we do things anyway.\n\nSo we'll go through a review. We'll look at your super, look at how things are working for you. Look at the insurance coverage. The idea is we start with a higher level of cover now as your super balance grows, as your, you know, your mortgage decreases, as you don't need so much cover, we can start to reduce the level of cover that you have. That's essentially the ultimate goal.\n\nSo by the time you retire, it's lovely super balance, hopefully, no debt, and don't need to be insured with any insurance covered there. You'll be fully self insured as well. So that's the ultimate goal with how we sort of want it to work, and we'll review it with you because these insurance premiums do get more expensive over time as you get older as the risk of you making a claim increases. So we do wanna review that. Yeah.\n\nBut, I mean, once we go to application space, if you're comfortable with that little bit of extra outside of super for, you know, the the bigger benefit there of having the own occupation, we'll happily organize that with you. It's not a problem at all. Okay? Absolutely. It's cheaper than a cup of coffee.\n\nYeah. Easy. That's not a problem. Yep. No worries at all.\n\nAnd just leave a little note for me on the very last page there. If there's no there's normally a section that has a text box, and you can kinda leave a note there. If it doesn't work in any way, shape, or form, just shoot me an email letting me to know the directions that you wanna take and any alterations. And as long as I have it in writing, I can make it happen for you. Okay?\n\nNo worries, Ben. Thanks for taking my call. Have a lovely evening. Thanks. See you later.","paragraphs":[{"sentences":[{"text":"Hi, Ben.","start":2.6399999,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.23190190643072128},{"text":"It's Dana from Okey Financial.","start":3.1999998,"end":4.66,"sentiment":"neutral","sentiment_score":0.26271129250526426},{"text":"How are you?","start":4.7999997,"end":5.62,"sentiment":"neutral","sentiment_score":0.29272039731343585},{"text":"I'm very well.","start":7.2799997,"end":8.24,"sentiment":"positive","sentiment_score":0.7102725704511007},{"text":"Thank you.","start":8.24,"end":8.639999,"sentiment":"positive","sentiment_score":0.6960695385932922}],"sentiment":"positive","sentiment_score":0.4118985503911972,"num_words":15,"start":2.6399999,"end":8.639999},{"sentences":[{"text":"Do you have some time now for a bit of a quick chat?","start":8.639999,"end":10.88,"sentiment":"neutral","sentiment_score":0.12833885791210028},{"text":"I'm so sorry.","start":10.88,"end":11.5199995,"sentiment":"neutral","sentiment_score":-0.2053453971942266},{"text":"Just the afternoons are pretty busy this week.","start":11.5199995,"end":13.5199995,"sentiment":"neutral","sentiment_score":-0.30357084423303604},{"text":"That's all.","start":13.5199995,"end":14.0,"sentiment":"neutral","sentiment_score":-0.08699819818139076},{"text":"Is now okay for you?","start":14.0,"end":15.54,"sentiment":"neutral","sentiment_score":0.03245739378035069}],"sentiment":"neutral","sentiment_score":-0.04477120064679654,"num_words":31,"start":8.639999,"end":15.54},{"sentences":[{"text":"Yep.","start":17.895,"end":18.395,"sentiment":"neutral","sentiment_score":0.01547682285308838},{"text":"Oh, no.","start":19.175,"end":19.575,"sentiment":"neutral","sentiment_score":-0.024854158982634544},{"text":"That's okay.","start":19.575,"end":20.375,"sentiment":"neutral","sentiment_score":0.04731760174036026},{"text":"I'm here for another sort of ten minutes, so it's all good, honestly.","start":20.375,"end":23.515,"sentiment":"neutral","sentiment_score":0.19684071007829446},{"text":"Yeah.","start":26.615,"end":27.115,"sentiment":"neutral","sentiment_score":0.04774029180407524}],"sentiment":"neutral","sentiment_score":0.14037227532581278,"num_words":19,"start":17.895,"end":27.115},{"sentences":[{"text":"Yes.","start":35.61,"end":36.11,"sentiment":"neutral","sentiment_score":-0.0025550713762640953},{"text":"Yes.","start":42.025,"end":42.525,"sentiment":"neutral","sentiment_score":0.010112719610333444},{"text":"Yes.","start":51.305,"end":51.805,"sentiment":"neutral","sentiment_score":-0.1300894021987915},{"text":"Yeah.","start":60.52,"end":61.02,"sentiment":"neutral","sentiment_score":-0.015188781544566154},{"text":"Yeah.","start":61.16,"end":61.66,"sentiment":"neutral","sentiment_score":-0.0017066765576601028}],"sentiment":"neutral","sentiment_score":-0.027885442413389683,"num_words":5,"start":35.61,"end":61.66},{"sentences":[{"text":"Of course.","start":61.72,"end":62.38,"sentiment":"neutral","sentiment_score":-0.006680862978100777},{"text":"Yep.","start":68.05499,"end":68.55499,"sentiment":"neutral","sentiment_score":-0.03634820878505707},{"text":"No.","start":72.774994,"end":73.274994,"sentiment":"neutral","sentiment_score":-0.11984378099441528},{"text":"That is a good question, but, no, definitely not.","start":74.375,"end":76.615,"sentiment":"neutral","sentiment_score":-0.057777138219939336},{"text":"So, essentially, paying part of it outside of soup still entitles you to the full claim.","start":76.615,"end":80.85999,"sentiment":"neutral","sentiment_score":0.032043123384937644}],"sentiment":"neutral","sentiment_score":-0.006098551226073298,"num_words":29,"start":61.72,"end":80.85999},{"sentences":[{"text":"It just means that you're only paying a smaller amount out of your back pocket.","start":81.0,"end":84.619995,"sentiment":"neutral","sentiment_score":-0.019257121191670497},{"text":"But, like, you can still claim the full million dollars of TPD if anything happens.","start":85.079994,"end":90.06,"sentiment":"neutral","sentiment_score":0.09671792487303416},{"text":"The way that sort of works is they do assess the inside of super portion first under the any occupation.","start":90.759995,"end":96.064995,"sentiment":"neutral","sentiment_score":-0.001801113411784172},{"text":"And, look, what they're gonna look for is it's essentially, if the doctor signs off to say that, hey.","start":96.524994,"end":101.725,"sentiment":"neutral","sentiment_score":-0.03481714314732112},{"text":"You're never gonna go back to work again, and you've got your your two doctors, one being a specialist saying you're not gonna be able to do your job again, the likelihood of you being able to stand up in front of a class or sit down in front of a class could be pretty minimal there as well.","start":101.725,"end":115.18,"sentiment":"negative","sentiment_score":-0.33935730815944026}],"sentiment":"neutral","sentiment_score":-0.15279466495485394,"num_words":128,"start":81.0,"end":115.18},{"sentences":[{"text":"So I've honestly not seen claims come back declined when the two doctors have provided all the documentation going, this client's never going back to work again.","start":115.18,"end":124.575,"sentiment":"negative","sentiment_score":-0.4118658856109337},{"text":"Generally, the assessment team will just approve it.","start":124.875,"end":126.955,"sentiment":"neutral","sentiment_score":0.328499011695385},{"text":"There won't be any problem there.","start":126.955,"end":128.735,"sentiment":"neutral","sentiment_score":0.30258116374413174},{"text":"It's more just coming down to what your doctors will sign off on, and it is harder when you're younger to get doctors to sign off.","start":129.035,"end":135.01001,"sentiment":"neutral","sentiment_score":-0.08891793612677318},{"text":"They may go, hey.","start":135.01001,"end":136.15001,"sentiment":"neutral","sentiment_score":-0.018490060232579708}],"sentiment":"neutral","sentiment_score":-0.12764403402385577,"num_words":71,"start":115.18,"end":136.15001},{"sentences":[{"text":"Look.","start":136.21,"end":136.45001,"sentiment":"neutral","sentiment_score":0.07209266722202301},{"text":"You can probably do a bit of teaching, or you might be able to work in a call center.","start":136.45001,"end":140.15001,"sentiment":"neutral","sentiment_score":0.06257346644997597},{"text":"But when it comes to the claim, if the doctors the two doctors sign off to say you're never going back to work again, generally, the claim is just accepted because they go on medical reports and what doctors are saying you can and can't do for work.","start":140.21,"end":153.545,"sentiment":"neutral","sentiment_score":-0.20495535836865506},{"text":"But, like, if you wanna take a little bit outside of super to give you access to their own occupation, if they assess you and you don't qualify under any occupation, then they go look at their own occupation, and paying a small amount outside sleep.","start":154.565,"end":167.05,"sentiment":"neutral","sentiment_score":0.010528618874757187},{"text":"It's more just about making it more cost effective for you, and you can still claim the full amount.","start":167.05,"end":173.07,"sentiment":"neutral","sentiment_score":0.2168692026875521}],"sentiment":"neutral","sentiment_score":-0.02986494250091395,"num_words":133,"start":136.21,"end":173.07},{"sentences":[{"text":"You're still accessing the full amount that you're eligible that you're covered for if you claim on that.","start":173.225,"end":179.24501,"sentiment":"neutral","sentiment_score":0.17456136478318107},{"text":"Yeah.","start":181.38501,"end":181.88501,"sentiment":"neutral","sentiment_score":0.005525704473257065},{"text":"Yeah.","start":184.985,"end":185.485,"sentiment":"neutral","sentiment_score":-0.030683284625411034},{"text":"Yeah.","start":187.87,"end":188.19,"sentiment":"neutral","sentiment_score":-0.04211536794900894},{"text":"That's okay.","start":188.19,"end":189.01,"sentiment":"neutral","sentiment_score":-0.00908157043159008}],"sentiment":"neutral","sentiment_score":0.13289862944056158,"num_words":23,"start":173.225,"end":189.01},{"sentences":[{"text":"Absolutely.","start":193.70999,"end":194.20999,"sentiment":"neutral","sentiment_score":-0.007857110351324081},{"text":"Yeah.","start":201.325,"end":201.825,"sentiment":"neutral","sentiment_score":-0.041151002049446106},{"text":"Yeah.","start":208.525,"end":209.005,"sentiment":"neutral","sentiment_score":0.17197662591934204},{"text":"Absolutely.","start":209.005,"end":209.505,"sentiment":"neutral","sentiment_score":0.27444976568222046},{"text":"Yeah.","start":210.84,"end":211.34,"sentiment":"neutral","sentiment_score":0.14766788482666016}],"sentiment":"neutral","sentiment_score":0.1090172328054905,"num_words":5,"start":193.70999,"end":211.34},{"sentences":[{"text":"Yeah.","start":211.8,"end":212.3,"sentiment":"neutral","sentiment_score":0.04370773956179619},{"text":"Yeah.","start":219.4,"end":219.88,"sentiment":"neutral","sentiment_score":0.11275484412908554},{"text":"That would be the best way.","start":219.88,"end":221.08,"sentiment":"neutral","sentiment_score":0.18871350089708963},{"text":"If you're sort of wanting to cover yourself in that instance and just cover yourself for the own occupation, As long as you're comfortable with doing so, you can absolutely take that option.","start":221.08,"end":229.935,"sentiment":"neutral","sentiment_score":0.2391842444511977},{"text":"It's just the out of pocket policy that comes with the secondary quote that I sent you.","start":229.935,"end":234.595,"sentiment":"neutral","sentiment_score":0.3332369432729833}],"sentiment":"neutral","sentiment_score":0.25598020157937346,"num_words":58,"start":211.8,"end":234.595},{"sentences":[{"text":"If that's what you kind of wanna go ahead with, I'll just on the last page of the document get you to write there that you wanna take the second quote having the out of pocket portion of the TBD policy.","start":234.895,"end":247.05,"sentiment":"neutral","sentiment_score":0.24130748030616017},{"text":"And when it comes back to me, I will make sure that's all sort of ready for you for when we go to application stage.","start":247.11,"end":252.65001,"sentiment":"neutral","sentiment_score":0.1952008920907974},{"text":"But, yeah, honestly, it's completely up to you and what you're comfortable with.","start":253.51001,"end":256.63,"sentiment":"neutral","sentiment_score":0.1473091892324961},{"text":"I think the biggest risk with insurances is that we pay all this money for the premiums, and then we never actually claim.","start":256.63,"end":262.465,"sentiment":"neutral","sentiment_score":-0.3264952742535135},{"text":"And you've paid all the money for premiums.","start":262.685,"end":264.545,"sentiment":"neutral","sentiment_score":-0.15646479930728674}],"sentiment":"neutral","sentiment_score":0.07206853411414406,"num_words":110,"start":234.895,"end":264.545},{"sentences":[{"text":"There's only a very small amount of people who actually do go through a claim, but insurances are about covering the risk of something that could possibly happen to you.","start":264.685,"end":273.24,"sentiment":"neutral","sentiment_score":-0.1350983191281557},{"text":"So as long as you're comfortable having a little bit of TBD out of pocket, that's absolutely fine.","start":273.24,"end":279.0,"sentiment":"neutral","sentiment_score":0.33260081087549526},{"text":"The cost is pretty minimal.","start":279.0,"end":280.36002,"sentiment":"neutral","sentiment_score":0.3128123998641968},{"text":"Like, when I looked at the quote, it was actually quite cheap to have that little bit paid out of your back pocket on a a monthly or on a regular basis to give you that own occupation definition.","start":280.36002,"end":290.405,"sentiment":"positive","sentiment_score":0.35664778794997776},{"text":"And as I mentioned, you can claim the full amount of TBD.","start":290.405,"end":293.22498,"sentiment":"positive","sentiment_score":0.38000500947237015}],"sentiment":"neutral","sentiment_score":0.21122356600916156,"num_words":104,"start":264.685,"end":293.22498},{"sentences":[{"text":"It's absolutely fine.","start":293.365,"end":294.585,"sentiment":"positive","sentiment_score":0.40662578741709393},{"text":"Yeah.","start":298.78,"end":299.28,"sentiment":"neutral","sentiment_score":-0.03269181773066521},{"text":"I can bring it up for you.","start":299.42,"end":300.62,"sentiment":"neutral","sentiment_score":0.2225882453577859},{"text":"Yeah.","start":300.62,"end":300.86,"sentiment":"neutral","sentiment_score":0.23615118861198425},{"text":"Not a problem at all.","start":300.86,"end":301.82,"sentiment":"positive","sentiment_score":0.356208461523056}],"sentiment":"neutral","sentiment_score":0.28014686813249307,"num_words":17,"start":293.365,"end":301.82},{"sentences":[{"text":"I actually have it all here for you.","start":301.82,"end":303.76,"sentiment":"positive","sentiment_score":0.48295048251748085},{"text":"Sorry.","start":303.9,"end":304.13998,"sentiment":"neutral","sentiment_score":0.2317292094230652},{"text":"I hope it's okay.","start":304.13998,"end":304.86,"sentiment":"neutral","sentiment_score":0.31857913732528687},{"text":"I'll give you a call.","start":304.86,"end":305.58,"sentiment":"neutral","sentiment_score":0.2855735272169113},{"text":"I thought I've got the email, and I thought I've got some time.","start":305.58,"end":307.9,"sentiment":"neutral","sentiment_score":0.15528024045320657}],"sentiment":"neutral","sentiment_score":0.28439227034968717,"num_words":31,"start":301.82,"end":307.9},{"sentences":[{"text":"Let's call you now and go through your questions to make it a bit easier on you.","start":307.9,"end":311.895,"sentiment":"neutral","sentiment_score":0.32582619610954733},{"text":"Let's have a look.","start":313.47498,"end":314.455,"sentiment":"neutral","sentiment_score":0.024328627972863615},{"text":"Yeah.","start":316.835,"end":317.335,"sentiment":"neutral","sentiment_score":0.22160488367080688},{"text":"I've got the ascended quote here.","start":321.48,"end":323.48,"sentiment":"neutral","sentiment_score":0.26279740780591965},{"text":"Perfect.","start":323.48,"end":323.96002,"sentiment":"positive","sentiment_score":0.4820595979690552}],"sentiment":"neutral","sentiment_score":0.27299340600790134,"num_words":29,"start":307.9,"end":323.96002},{"sentences":[{"text":"Sorry.","start":323.96002,"end":324.12003,"sentiment":"neutral","sentiment_score":0.0889691710472107},{"text":"Just opening it up.","start":324.12003,"end":325.0,"sentiment":"neutral","sentiment_score":0.07576811872422695},{"text":"Won't be a second.","start":325.0,"end":326.06,"sentiment":"neutral","sentiment_score":-0.0077249594032764435},{"text":"Okay.","start":328.28,"end":328.78,"sentiment":"neutral","sentiment_score":0.05578479543328285},{"text":"So the inside super policy doesn't change in any way, shape, or form with that secondary quote.","start":328.92,"end":334.6,"sentiment":"neutral","sentiment_score":0.007123994805357035}],"sentiment":"neutral","sentiment_score":0.019927204276124637,"num_words":27,"start":323.96002,"end":334.6},{"sentences":[{"text":"It's just adding a little bit of a premium out of pocket, and it's showing here that the out of pocket portion on a monthly basis is $20.27 dollars and 86¢ on a monthly basis.","start":334.6,"end":346.085,"sentiment":"neutral","sentiment_score":0.057813202743144596},{"text":"So that 05/12 is about $334.32 per year.","start":346.085,"end":350.905,"sentiment":"neutral","sentiment_score":0.01738616987131536},{"text":"So no.","start":362.59,"end":363.07,"sentiment":"neutral","sentiment_score":-0.09200125932693481},{"text":"It'll be paid direct to them.","start":363.07,"end":364.85,"sentiment":"neutral","sentiment_score":-0.032907228296001755},{"text":"We can set it up as a direct debit to come out of your bank account or your credit card or however you would like to pay for that at the time of application.","start":365.07,"end":377.18356,"sentiment":"neutral","sentiment_score":0.06646959949284792}],"sentiment":"neutral","sentiment_score":0.047419746982909385,"num_words":85,"start":334.6,"end":377.18356},{"sentences":[{"text":"Yeah.","start":377.18356,"end":377.61267,"sentiment":"neutral","sentiment_score":0.05254126340150833},{"text":"Yeah.","start":377.61267,"end":378.04178,"sentiment":"neutral","sentiment_score":0.05967186763882637},{"text":"Okay.","start":378.04178,"end":378.4709,"sentiment":"neutral","sentiment_score":0.04962761700153351},{"text":"Yep.","start":378.4709,"end":378.9,"sentiment":"neutral","sentiment_score":0.04994780570268631},{"text":"Yeah.","start":381.46,"end":381.96,"sentiment":"neutral","sentiment_score":0.02361936867237091}],"sentiment":"neutral","sentiment_score":0.047081584483385085,"num_words":5,"start":377.18356,"end":381.96},{"sentences":[{"text":"Absolutely.","start":385.94,"end":386.44,"sentiment":"neutral","sentiment_score":0.07561512291431427},{"text":"Yeah.","start":387.53998,"end":388.03998,"sentiment":"neutral","sentiment_score":0.021231865510344505},{"text":"No.","start":388.1,"end":388.5,"sentiment":"neutral","sentiment_score":-0.10950670391321182},{"text":"Completely understandable.","start":388.5,"end":389.63998,"sentiment":"neutral","sentiment_score":-0.1146245077252388},{"text":"And, look, this is gonna be reviewed with you every year when we do things anyway.","start":389.69998,"end":393.22,"sentiment":"neutral","sentiment_score":0.01694445451721549}],"sentiment":"neutral","sentiment_score":0.0013905972064960572,"num_words":21,"start":385.94,"end":393.22},{"sentences":[{"text":"So we'll go through a review.","start":393.22,"end":394.57498,"sentiment":"neutral","sentiment_score":0.04261365866598984},{"text":"We'll look at your super, look at how things are working for you.","start":394.57498,"end":397.055,"sentiment":"neutral","sentiment_score":0.13868796825408936},{"text":"Look at the insurance coverage.","start":397.055,"end":398.41498,"sentiment":"neutral","sentiment_score":0.04613339975476265},{"text":"The idea is we start with a higher level of cover now as your super balance grows, as your, you know, your mortgage decreases, as you don't need so much cover, we can start to reduce the level of cover that you have.","start":398.41498,"end":410.07,"sentiment":"neutral","sentiment_score":0.08139354402069436},{"text":"That's essentially the ultimate goal.","start":410.07,"end":411.75,"sentiment":"neutral","sentiment_score":0.2988139271736145}],"sentiment":"neutral","sentiment_score":0.10115673009487283,"num_words":72,"start":393.22,"end":411.75},{"sentences":[{"text":"So by the time you retire, it's lovely super balance, hopefully, no debt, and don't need to be insured with any insurance covered there.","start":411.75,"end":419.35,"sentiment":"positive","sentiment_score":0.33756622051199275},{"text":"You'll be fully self insured as well.","start":419.35,"end":421.27,"sentiment":"neutral","sentiment_score":0.31735788498606},{"text":"So that's the ultimate goal with how we sort of want it to work, and we'll review it with you because these insurance premiums do get more expensive over time as you get older as the risk of you making a claim increases.","start":421.27,"end":432.885,"sentiment":"neutral","sentiment_score":0.06335363714674185},{"text":"So we do wanna review that.","start":432.885,"end":434.245,"sentiment":"neutral","sentiment_score":0.018206573091447353},{"text":"Yeah.","start":434.245,"end":434.405,"sentiment":"neutral","sentiment_score":0.06522645056247711}],"sentiment":"neutral","sentiment_score":0.16323168856310255,"num_words":81,"start":411.75,"end":434.405},{"sentences":[{"text":"But, I mean, once we go to application space, if you're comfortable with that little bit of extra outside of super for, you know, the the bigger benefit there of having the own occupation, we'll happily organize that with you.","start":434.405,"end":445.27002,"sentiment":"neutral","sentiment_score":0.1745693704113364},{"text":"It's not a problem at all.","start":445.27002,"end":446.63,"sentiment":"neutral","sentiment_score":0.23992606500784555},{"text":"Okay?","start":446.63,"end":447.13,"sentiment":"neutral","sentiment_score":0.13936364650726318},{"text":"Absolutely.","start":451.105,"end":451.605,"sentiment":"positive","sentiment_score":0.6515675783157349},{"text":"It's cheaper than a cup of coffee.","start":451.98502,"end":453.605,"sentiment":"positive","sentiment_score":0.564699092081615}],"sentiment":"neutral","sentiment_score":0.2393846559253606,"num_words":55,"start":434.405,"end":453.605},{"sentences":[{"text":"Yeah.","start":455.905,"end":456.405,"sentiment":"neutral","sentiment_score":0.2779809236526489},{"text":"Easy.","start":457.345,"end":457.845,"sentiment":"positive","sentiment_score":0.4940210282802582},{"text":"That's not a problem.","start":458.785,"end":460.005,"sentiment":"neutral","sentiment_score":0.2829068452119827},{"text":"Yep.","start":462.76,"end":463.26,"sentiment":"neutral","sentiment_score":0.15752142667770386},{"text":"No worries at all.","start":464.04,"end":464.92,"sentiment":"neutral","sentiment_score":0.15426990762352943}],"sentiment":"neutral","sentiment_score":0.24347548999569632,"num_words":11,"start":455.905,"end":464.92},{"sentences":[{"text":"And just leave a little note for me on the very last page there.","start":464.92,"end":467.72,"sentiment":"neutral","sentiment_score":0.12749661185911723},{"text":"If there's no there's normally a section that has a text box, and you can kinda leave a note there.","start":467.72,"end":472.335,"sentiment":"neutral","sentiment_score":0.044404391944408414},{"text":"If it doesn't work in any way, shape, or form, just shoot me an email letting me to know the directions that you wanna take and any alterations.","start":472.57498,"end":480.675,"sentiment":"neutral","sentiment_score":0.10884257751916136},{"text":"And as long as I have it in writing, I can make it happen for you.","start":480.735,"end":483.775,"sentiment":"neutral","sentiment_score":0.2860017456114292},{"text":"Okay?","start":483.775,"end":484.275,"sentiment":"neutral","sentiment_score":0.07492038607597351}],"sentiment":"neutral","sentiment_score":0.13128583406723,"num_words":79,"start":464.92,"end":484.275},{"sentences":[{"text":"No worries, Ben.","start":486.75693,"end":487.63693,"sentiment":"positive","sentiment_score":0.5633006195227305},{"text":"Thanks for taking my call.","start":487.63693,"end":488.75693,"sentiment":"positive","sentiment_score":0.85492924451828},{"text":"Have a lovely evening.","start":488.75693,"end":489.97693,"sentiment":"positive","sentiment_score":0.7920164614915848},{"text":"Thanks.","start":491.15695,"end":491.55695,"sentiment":"positive","sentiment_score":0.71428382396698},{"text":"See you later.","start":491.55695,"end":492.37695,"sentiment":"neutral","sentiment_score":0.323262778421243}],"sentiment":"positive","sentiment_score":0.67604288039729,"num_words":16,"start":486.75693,"end":492.37695}]}}]},{"alternatives":[{"transcript":"Hello? Good. And yourself? Yeah. Yeah. That's fine. This must be pretty late for you. Yeah. So I guess my concern sort of comes about from, basically, I'm triple traded. So I'm a I'm an electrician, instrumentation tech, process operations technician, all of which can encompass all sorts of roles. So I would hate to, you know, have some kind of workplace incident and then be told, well, you're not getting paid out because you can go and, you know, sit in front of a classroom or something like that. So I know you said we can do part of it outside of super, but does that mean that does that mean that I would only get a partial payout because only part of it's outside of super? Yep. Yeah. Yeah. Okay. So alright. It sound like I might be getting a little confused to you then or because it it sort of comes down like you've just said, it basically comes down to what the doctor says. So if yeah. My like I said, my only concern is if I can't go back to my job, I sorta don't wanna be forced into or if I can't go back to my job, I expect to be paid out is is actually my my view on it. So in that situation, that's a that is a matter of having the own occupation outside of Super Isn't it? Yeah. Yep. Yeah. Okay. Can you sorry. Can you remember off the top of your head how much it was out of pocket? Yep. Yeah. No. I've got time. I'm at I'm at work at the moment staring at the side of a great big oil tanker. So Okay. And would that come out of my that would be taken out of my my we have what do I need to pay that direct to them or does it get taken out of my pay? Yep. Okay. Alright. Cool. Alright. I think I'm I think I'm comfortable with that. I would rather have the that level of coverage. You know, God forbid I ever actually have to make a claim on this, but if I do, I do yeah. Alright. Yeah. I I think for roughly a dollar a day, I'm pretty happy with that. It's way cheaper. Awesome. Alright. Thank you very much for giving me a call. I will look to get that documentation signed and back to you as soon as I can. Okay. Terrific. Alright, Dana. Thanks a lot. You too. Bye.","confidence":0.99439883,"words":[{"word":"hello","start":1.4399999,"end":1.9399999,"confidence":0.9778416,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.05563707277178764},{"word":"good","start":5.92,"end":6.3199997,"confidence":0.72084916,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.5928828716278076},{"word":"and","start":6.3199997,"end":6.48,"confidence":0.9873166,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.4227253496646881},{"word":"yourself","start":6.48,"end":6.98,"confidence":0.92983794,"punctuated_word":"yourself?","sentiment":"positive","sentiment_score":0.4605286121368408},{"word":"yeah","start":15.835,"end":16.154999,"confidence":0.981796,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.043483853340148926},{"word":"yeah","start":16.154999,"end":16.395,"confidence":0.9965749,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07319220900535583},{"word":"that's","start":16.395,"end":16.715,"confidence":0.9891124,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1416683942079544},{"word":"fine","start":16.715,"end":16.955,"confidence":0.9957393,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.1289597451686859},{"word":"this","start":16.955,"end":17.195,"confidence":0.96130633,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.03496348485350609},{"word":"must","start":17.195,"end":17.515,"confidence":0.978005,"punctuated_word":"must","sentiment":"neutral","sentiment_score":0.013961680233478546},{"word":"be","start":17.515,"end":17.675,"confidence":0.9898017,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04074840247631073},{"word":"pretty","start":17.675,"end":17.914999,"confidence":0.7797016,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.02427171915769577},{"word":"late","start":17.914999,"end":18.154999,"confidence":0.75030583,"punctuated_word":"late","sentiment":"neutral","sentiment_score":-0.004332646727561951},{"word":"for","start":18.154999,"end":18.395,"confidence":0.5032754,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.008763529360294342},{"word":"you","start":18.395,"end":18.895,"confidence":0.986482,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.0171116441488266},{"word":"yeah","start":21.915,"end":22.415,"confidence":0.7979975,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2090284824371338},{"word":"so","start":25.435,"end":25.935,"confidence":0.5270359,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13173365592956543},{"word":"i","start":26.555,"end":26.794998,"confidence":0.6359419,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10374648123979568},{"word":"guess","start":26.794998,"end":27.294998,"confidence":0.9971621,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.0334845595061779},{"word":"my","start":27.595,"end":27.755,"confidence":0.9138336,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.0662306472659111},{"word":"concern","start":27.755,"end":28.255,"confidence":0.5747973,"punctuated_word":"concern","sentiment":"neutral","sentiment_score":-0.1235421821475029},{"word":"sort","start":28.314999,"end":28.555,"confidence":0.9824217,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.11606500297784804},{"word":"of","start":28.555,"end":28.634998,"confidence":0.5936932,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10954365879297256},{"word":"comes","start":28.634998,"end":28.954998,"confidence":0.9984994,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.10722705721855164},{"word":"about","start":28.954998,"end":29.355,"confidence":0.9847031,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.12143954634666444},{"word":"from","start":29.355,"end":29.855,"confidence":0.72973776,"punctuated_word":"from,","sentiment":"neutral","sentiment_score":-0.11335237324237823},{"word":"basically","start":31.8,"end":32.3,"confidence":0.9083932,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":-0.0881182998418808},{"word":"i'm","start":33.56,"end":33.96,"confidence":0.9983784,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.057257842272520065},{"word":"triple","start":33.96,"end":34.44,"confidence":0.9969784,"punctuated_word":"triple","sentiment":"neutral","sentiment_score":-0.06165559962391853},{"word":"traded","start":34.44,"end":34.94,"confidence":0.9150311,"punctuated_word":"traded.","sentiment":"neutral","sentiment_score":-0.059302229434251785},{"word":"so","start":35.0,"end":35.5,"confidence":0.99771297,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02556530386209488},{"word":"i'm","start":35.96,"end":36.2,"confidence":0.9901998,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.011182031594216824},{"word":"a","start":36.2,"end":36.28,"confidence":0.5892801,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.010101282969117165},{"word":"i'm","start":36.36,"end":36.52,"confidence":0.99886477,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.003710256889462471},{"word":"an","start":36.52,"end":36.760002,"confidence":0.9871724,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.003351442515850067},{"word":"electrician","start":36.760002,"end":37.260002,"confidence":0.9921791,"punctuated_word":"electrician,","sentiment":"neutral","sentiment_score":-0.0021804776042699814},{"word":"instrumentation","start":37.32,"end":37.82,"confidence":0.988979,"punctuated_word":"instrumentation","sentiment":"neutral","sentiment_score":-0.007683947682380676},{"word":"tech","start":38.2,"end":38.6,"confidence":0.99439883,"punctuated_word":"tech,","sentiment":"neutral","sentiment_score":-0.0002774801105260849},{"word":"process","start":38.6,"end":39.08,"confidence":0.9987178,"punctuated_word":"process","sentiment":"neutral","sentiment_score":0.03425787389278412},{"word":"operations","start":39.08,"end":39.58,"confidence":0.9936087,"punctuated_word":"operations","sentiment":"neutral","sentiment_score":-0.004986148327589035},{"word":"technician","start":39.72,"end":40.22,"confidence":0.95194495,"punctuated_word":"technician,","sentiment":"neutral","sentiment_score":0.002270922064781189},{"word":"all","start":40.36,"end":40.86,"confidence":0.9994765,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.009837441146373749},{"word":"of","start":41.239998,"end":41.4,"confidence":0.9996934,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01183653250336647},{"word":"which","start":41.4,"end":41.9,"confidence":0.9998393,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.0062864795327186584},{"word":"can","start":42.52,"end":42.84,"confidence":0.9950336,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.0007273219525814056},{"word":"encompass","start":42.84,"end":43.34,"confidence":0.9994609,"punctuated_word":"encompass","sentiment":"neutral","sentiment_score":0.0019000209867954256},{"word":"all","start":43.88,"end":44.2,"confidence":0.99946326,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.00011709704995155334},{"word":"sorts","start":44.2,"end":44.44,"confidence":0.9996159,"punctuated_word":"sorts","sentiment":"neutral","sentiment_score":-0.02565467730164528},{"word":"of","start":44.44,"end":44.68,"confidence":0.9998517,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.004879079759120941},{"word":"roles","start":44.68,"end":45.18,"confidence":0.9865941,"punctuated_word":"roles.","sentiment":"neutral","sentiment_score":-0.042446672916412354},{"word":"so","start":46.344997,"end":46.664997,"confidence":0.9271562,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.09783139079809187},{"word":"i","start":46.664997,"end":46.824997,"confidence":0.99884903,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17957985401153564},{"word":"would","start":46.824997,"end":47.065,"confidence":0.99984753,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.26765626668930054},{"word":"hate","start":47.065,"end":47.385,"confidence":0.99910176,"punctuated_word":"hate","sentiment":"neutral","sentiment_score":-0.28146690130233765},{"word":"to","start":47.385,"end":47.885,"confidence":0.9938719,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.20602525770664215},{"word":"you","start":48.344997,"end":48.425,"confidence":0.99935967,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.19127245247364044},{"word":"know","start":48.425,"end":48.745,"confidence":0.9994979,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.2983289957046509},{"word":"have","start":48.745,"end":49.065,"confidence":0.9992778,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.34880292415618896},{"word":"some","start":49.065,"end":49.225,"confidence":0.99986374,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.303490549325943},{"word":"kind","start":49.225,"end":49.385,"confidence":0.9953034,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.26674190163612366},{"word":"of","start":49.385,"end":49.545,"confidence":0.9990645,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.26816830039024353},{"word":"workplace","start":49.545,"end":50.045,"confidence":0.99593484,"punctuated_word":"workplace","sentiment":"neutral","sentiment_score":-0.28892672061920166},{"word":"incident","start":50.105,"end":50.605,"confidence":0.99819094,"punctuated_word":"incident","sentiment":"neutral","sentiment_score":-0.27223914861679077},{"word":"and","start":52.504997,"end":52.824997,"confidence":0.7889498,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0978751927614212},{"word":"then","start":52.824997,"end":53.144997,"confidence":0.9967264,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.09760410338640212},{"word":"be","start":53.144997,"end":53.464996,"confidence":0.9940256,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.08867610991001129},{"word":"told","start":53.464996,"end":53.945,"confidence":0.97613776,"punctuated_word":"told,","sentiment":"neutral","sentiment_score":-0.1003020703792572},{"word":"well","start":53.945,"end":54.265,"confidence":0.9945862,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.12439329922199248},{"word":"you're","start":54.265,"end":54.585,"confidence":0.99945164,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.15839485824108124},{"word":"not","start":54.585,"end":54.824997,"confidence":0.9998648,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1767531782388687},{"word":"getting","start":54.824997,"end":55.144997,"confidence":0.99958414,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.18067823350429535},{"word":"paid","start":55.144997,"end":55.385,"confidence":0.99880254,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.2107967883348465},{"word":"out","start":55.385,"end":55.625,"confidence":0.996994,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.1538696140050888},{"word":"because","start":55.625,"end":56.125,"confidence":0.95899224,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.14582450687885284},{"word":"you","start":56.265,"end":56.425,"confidence":0.99954116,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.157443106174469},{"word":"can","start":56.425,"end":56.664997,"confidence":0.99946266,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.20967313647270203},{"word":"go","start":56.664997,"end":56.824997,"confidence":0.9983829,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.18875084817409515},{"word":"and","start":56.824997,"end":57.144997,"confidence":0.967197,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.1435808539390564},{"word":"you","start":57.144997,"end":57.225,"confidence":0.9992884,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.15474556386470795},{"word":"know","start":57.225,"end":57.625,"confidence":0.9997405,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.18971458077430725},{"word":"sit","start":57.625,"end":57.784996,"confidence":0.9977336,"punctuated_word":"sit","sentiment":"neutral","sentiment_score":-0.19900521636009216},{"word":"in","start":57.784996,"end":57.945,"confidence":0.99971336,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2022153288125992},{"word":"front","start":57.945,"end":58.184998,"confidence":0.99963784,"punctuated_word":"front","sentiment":"neutral","sentiment_score":-0.1866697520017624},{"word":"of","start":58.184998,"end":58.344997,"confidence":0.99935514,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.21432259678840637},{"word":"a","start":58.344997,"end":58.425,"confidence":0.94287944,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18390721082687375},{"word":"classroom","start":58.425,"end":58.905,"confidence":0.9992293,"punctuated_word":"classroom","sentiment":"neutral","sentiment_score":-0.16445645689964294},{"word":"or","start":58.905,"end":59.065,"confidence":0.9947944,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.18330441415309903},{"word":"something","start":59.065,"end":59.464996,"confidence":0.99982136,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.16138096153736117},{"word":"like","start":59.464996,"end":59.704998,"confidence":0.99726605,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.18699099123477936},{"word":"that","start":59.704998,"end":60.204998,"confidence":0.9993982,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.1337326169013977},{"word":"so","start":62.86,"end":63.34,"confidence":0.9827696,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.024578675627708435},{"word":"i","start":63.34,"end":63.42,"confidence":0.9905938,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02415868267416954},{"word":"know","start":63.42,"end":63.66,"confidence":0.9995378,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.032907843589782715},{"word":"you","start":63.66,"end":63.82,"confidence":0.99951434,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.027554992586374283},{"word":"said","start":63.82,"end":64.22,"confidence":0.99989855,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.011241484433412552},{"word":"we","start":64.22,"end":64.3,"confidence":0.9787107,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.017011791467666626},{"word":"can","start":64.3,"end":64.54,"confidence":0.9997136,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.004831966012716293},{"word":"do","start":64.54,"end":64.78,"confidence":0.9997713,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.016469955444335938},{"word":"part","start":64.78,"end":64.94,"confidence":0.9926681,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.014190837740898132},{"word":"of","start":64.94,"end":65.1,"confidence":0.99978775,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0195864662528038},{"word":"it","start":65.1,"end":65.42,"confidence":0.99950063,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.033263642340898514},{"word":"outside","start":65.42,"end":65.92,"confidence":0.9992494,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":-0.01751568168401718},{"word":"of","start":66.22,"end":66.72,"confidence":0.9997507,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02709605917334557},{"word":"super","start":67.02,"end":67.52,"confidence":0.65510386,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":-0.01548011600971222},{"word":"but","start":67.9,"end":68.22,"confidence":0.9992786,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.02144208177924156},{"word":"does","start":68.22,"end":68.38,"confidence":0.9948436,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.08526456356048584},{"word":"that","start":68.38,"end":68.619995,"confidence":0.99864405,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07227475196123123},{"word":"mean","start":68.619995,"end":68.86,"confidence":0.9921766,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":-0.09139560163021088},{"word":"that","start":68.86,"end":69.36,"confidence":0.9580147,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04698451980948448},{"word":"does","start":69.5,"end":69.659996,"confidence":0.9859518,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.04783599078655243},{"word":"that","start":69.659996,"end":69.82,"confidence":0.99972194,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06813854724168777},{"word":"mean","start":69.82,"end":70.06,"confidence":0.99815625,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":-0.12145093083381651},{"word":"that","start":70.06,"end":70.22,"confidence":0.997407,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08220569044351578},{"word":"i","start":70.22,"end":70.38,"confidence":0.9948685,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07842069119215012},{"word":"would","start":70.38,"end":70.54,"confidence":0.9907864,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.08367154002189636},{"word":"only","start":70.54,"end":70.78,"confidence":0.99979776,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.08495382964611053},{"word":"get","start":70.78,"end":71.1,"confidence":0.99957424,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.0897674709558487},{"word":"a","start":71.1,"end":71.18,"confidence":0.8155278,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06733231246471405},{"word":"partial","start":71.18,"end":71.58,"confidence":0.99897516,"punctuated_word":"partial","sentiment":"neutral","sentiment_score":-0.04087205231189728},{"word":"payout","start":71.58,"end":71.979996,"confidence":0.7176459,"punctuated_word":"payout","sentiment":"neutral","sentiment_score":-0.0648183822631836},{"word":"because","start":71.979996,"end":72.3,"confidence":0.53933126,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.08524113893508911},{"word":"only","start":72.3,"end":72.619995,"confidence":0.744168,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.08944804966449738},{"word":"part","start":72.619995,"end":72.78,"confidence":0.9927021,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.06312675774097443},{"word":"of","start":72.78,"end":72.94,"confidence":0.9900525,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12694668769836426},{"word":"it's","start":72.94,"end":73.1,"confidence":0.74067587,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.12572509050369263},{"word":"outside","start":73.1,"end":73.5,"confidence":0.52073836,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":-0.13361114263534546},{"word":"of","start":73.5,"end":73.659996,"confidence":0.9706547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12310363352298737},{"word":"super","start":73.659996,"end":74.145,"confidence":0.9788468,"punctuated_word":"super?","sentiment":"neutral","sentiment_score":-0.07206697762012482},{"word":"yep","start":125.170006,"end":125.670006,"confidence":0.78364956,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.214443176984787},{"word":"yeah","start":154.01,"end":154.51,"confidence":0.75763047,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.052402302622795105},{"word":"yeah","start":180.23,"end":180.70999,"confidence":0.8528286,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.026729244738817215},{"word":"okay","start":180.70999,"end":181.20999,"confidence":0.99769545,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.01559923216700554},{"word":"so","start":181.26999,"end":181.76999,"confidence":0.9877291,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0038696639239788055},{"word":"alright","start":183.75,"end":184.245,"confidence":0.9872349,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.005335352383553982},{"word":"it","start":184.405,"end":184.64499,"confidence":0.9634571,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.010334022343158722},{"word":"sound","start":184.64499,"end":184.885,"confidence":0.57365066,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":-0.021616488695144653},{"word":"like","start":184.885,"end":185.205,"confidence":0.99492115,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.032032310962677},{"word":"i","start":185.205,"end":185.28499,"confidence":0.99824905,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09802564978599548},{"word":"might","start":185.28499,"end":185.525,"confidence":0.9987274,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.10922892391681673},{"word":"be","start":185.525,"end":185.845,"confidence":0.9991185,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1205206885933876},{"word":"getting","start":185.845,"end":186.08499,"confidence":0.9995844,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.1180611178278923},{"word":"a","start":186.08499,"end":186.165,"confidence":0.9992519,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12135232239961624},{"word":"little","start":186.165,"end":186.565,"confidence":0.9999739,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.14324449002742767},{"word":"confused","start":186.565,"end":186.965,"confidence":0.99663323,"punctuated_word":"confused","sentiment":"neutral","sentiment_score":-0.1288219392299652},{"word":"to","start":186.965,"end":187.125,"confidence":0.85472536,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17270642518997192},{"word":"you","start":187.125,"end":187.205,"confidence":0.9916471,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1396050006151199},{"word":"then","start":187.205,"end":187.705,"confidence":0.9955729,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.1223483830690384},{"word":"or","start":187.845,"end":188.345,"confidence":0.5836756,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08344793319702148},{"word":"because","start":188.565,"end":188.885,"confidence":0.9895768,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.04937811940908432},{"word":"it","start":188.885,"end":189.045,"confidence":0.996014,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08424301445484161},{"word":"it","start":189.045,"end":189.28499,"confidence":0.97599137,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07273951917886734},{"word":"sort","start":189.28499,"end":189.605,"confidence":0.9952579,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.0666913166642189},{"word":"of","start":189.605,"end":189.685,"confidence":0.69556653,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07513920217752457},{"word":"comes","start":189.685,"end":190.00499,"confidence":0.99934524,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.043500833213329315},{"word":"down","start":190.00499,"end":190.165,"confidence":0.99660057,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.012849964201450348},{"word":"like","start":190.245,"end":190.405,"confidence":0.9977744,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.018395431339740753},{"word":"you've","start":190.405,"end":190.72499,"confidence":0.82529134,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.06581221520900726},{"word":"just","start":190.72499,"end":190.805,"confidence":0.9993142,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.010663889348506927},{"word":"said","start":190.805,"end":191.045,"confidence":0.9701118,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.03198385611176491},{"word":"it","start":191.045,"end":191.205,"confidence":0.99684525,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05425039678812027},{"word":"basically","start":191.205,"end":191.605,"confidence":0.9934683,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":-0.01966436207294464},{"word":"comes","start":191.605,"end":191.765,"confidence":0.9949591,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.02812550961971283},{"word":"down","start":191.765,"end":192.00499,"confidence":0.9950369,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.004250019788742065},{"word":"to","start":192.00499,"end":192.165,"confidence":0.9974956,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02827657014131546},{"word":"what","start":192.165,"end":192.325,"confidence":0.9994203,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.06954832375049591},{"word":"the","start":192.325,"end":192.485,"confidence":0.999252,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08294593542814255},{"word":"doctor","start":192.485,"end":192.885,"confidence":0.97247577,"punctuated_word":"doctor","sentiment":"neutral","sentiment_score":-0.0868963748216629},{"word":"says","start":192.885,"end":193.125,"confidence":0.98398304,"punctuated_word":"says.","sentiment":"neutral","sentiment_score":-0.0764302909374237},{"word":"so","start":193.125,"end":193.625,"confidence":0.9957027,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0009400025010108948},{"word":"if","start":194.00499,"end":194.50499,"confidence":0.948233,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07168644666671753},{"word":"yeah","start":195.525,"end":196.025,"confidence":0.7013583,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.054046619683504105},{"word":"my","start":196.65999,"end":196.98,"confidence":0.88423365,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.15535388886928558},{"word":"like","start":197.06,"end":197.29999,"confidence":0.9968837,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.17449378967285156},{"word":"i","start":197.29999,"end":197.45999,"confidence":0.99233973,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16273456811904907},{"word":"said","start":197.45999,"end":197.7,"confidence":0.985281,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.12582072615623474},{"word":"my","start":197.7,"end":197.93999,"confidence":0.99786085,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.2150257378816605},{"word":"only","start":197.93999,"end":198.18,"confidence":0.997789,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.25910723209381104},{"word":"concern","start":198.18,"end":198.65999,"confidence":0.99957114,"punctuated_word":"concern","sentiment":"neutral","sentiment_score":-0.30906587839126587},{"word":"is","start":198.65999,"end":198.9,"confidence":0.9990829,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.3718351721763611},{"word":"if","start":198.9,"end":199.14,"confidence":0.948925,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.42104145884513855},{"word":"i","start":199.14,"end":199.29999,"confidence":0.99959296,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.47761932015419006},{"word":"can't","start":199.29999,"end":199.54,"confidence":0.99862576,"punctuated_word":"can't","sentiment":"negative","sentiment_score":-0.42020344734191895},{"word":"go","start":199.54,"end":199.78,"confidence":0.9990055,"punctuated_word":"go","sentiment":"negative","sentiment_score":-0.37770703434944153},{"word":"back","start":199.78,"end":200.01999,"confidence":0.99980205,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.31700485944747925},{"word":"to","start":200.01999,"end":200.26,"confidence":0.9983038,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3143410086631775},{"word":"my","start":200.26,"end":200.42,"confidence":0.9994512,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.3105083703994751},{"word":"job","start":200.42,"end":200.92,"confidence":0.9749012,"punctuated_word":"job,","sentiment":"neutral","sentiment_score":-0.15682944655418396},{"word":"i","start":202.01999,"end":202.26,"confidence":0.9995023,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04801145941019058},{"word":"sorta","start":202.26,"end":202.57999,"confidence":0.7456064,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":-0.014926627278327942},{"word":"don't","start":202.57999,"end":202.81999,"confidence":0.99778706,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.04053962230682373},{"word":"wanna","start":202.81999,"end":203.14,"confidence":0.95434994,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.13837870955467224},{"word":"be","start":203.14,"end":203.29999,"confidence":0.9964659,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.16349565982818604},{"word":"forced","start":203.29999,"end":203.7,"confidence":0.9996704,"punctuated_word":"forced","sentiment":"neutral","sentiment_score":-0.20707768201828003},{"word":"into","start":203.7,"end":204.09999,"confidence":0.9973264,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.1999463438987732},{"word":"or","start":204.34,"end":204.5,"confidence":0.6004212,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.14333951473236084},{"word":"if","start":204.5,"end":204.73999,"confidence":0.9807849,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.19675126671791077},{"word":"i","start":204.73999,"end":204.9,"confidence":0.9991947,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10556402057409286},{"word":"can't","start":204.9,"end":205.14,"confidence":0.99684554,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.13771411776542664},{"word":"go","start":205.14,"end":205.29999,"confidence":0.9977718,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.14529699087142944},{"word":"back","start":205.29999,"end":205.54,"confidence":0.9995352,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.0978398248553276},{"word":"to","start":205.54,"end":205.7,"confidence":0.99319685,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11264627426862717},{"word":"my","start":205.7,"end":205.93999,"confidence":0.99983215,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.09182780236005784},{"word":"job","start":205.93999,"end":206.43999,"confidence":0.99618524,"punctuated_word":"job,","sentiment":"neutral","sentiment_score":-0.08727511763572693},{"word":"i","start":206.57999,"end":206.81999,"confidence":0.99947804,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02831599861383438},{"word":"expect","start":206.81999,"end":207.14,"confidence":0.9979826,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":-0.018204066902399063},{"word":"to","start":207.14,"end":207.29999,"confidence":0.9669511,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.009667489677667618},{"word":"be","start":207.29999,"end":207.45999,"confidence":0.9582413,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.00005001574754714966},{"word":"paid","start":207.45999,"end":207.7,"confidence":0.9956345,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.011443957686424255},{"word":"out","start":207.7,"end":208.2,"confidence":0.98101175,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.026295669376850128},{"word":"is","start":208.42,"end":208.81999,"confidence":0.5640876,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.002728160470724106},{"word":"is","start":208.81999,"end":209.14,"confidence":0.96263885,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.20749297738075256},{"word":"actually","start":209.14,"end":209.64,"confidence":0.37910575,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.1441731154918671},{"word":"my","start":209.7,"end":210.2,"confidence":0.9671802,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.10362537205219267},{"word":"my","start":210.42,"end":210.65999,"confidence":0.88222384,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.14284859597682953},{"word":"view","start":210.65999,"end":210.9,"confidence":0.99559706,"punctuated_word":"view","sentiment":"neutral","sentiment_score":0.15845772624015808},{"word":"on","start":210.9,"end":211.06,"confidence":0.99836653,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07976804673671722},{"word":"it","start":211.06,"end":211.485,"confidence":0.97428954,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.0815991759300232},{"word":"so","start":212.605,"end":213.085,"confidence":0.98865974,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.020419619977474213},{"word":"in","start":213.085,"end":213.325,"confidence":0.9762407,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.009455237537622452},{"word":"that","start":213.325,"end":213.645,"confidence":0.9996001,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0031376108527183533},{"word":"situation","start":213.645,"end":214.145,"confidence":0.957677,"punctuated_word":"situation,","sentiment":"neutral","sentiment_score":-0.004785655066370964},{"word":"that's","start":214.205,"end":214.445,"confidence":0.9787613,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.013802973553538322},{"word":"a","start":214.445,"end":214.605,"confidence":0.81560045,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0021933410316705704},{"word":"that","start":214.925,"end":215.005,"confidence":0.99497014,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.006323672831058502},{"word":"is","start":215.005,"end":215.245,"confidence":0.9962359,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.014296725392341614},{"word":"a","start":215.245,"end":215.325,"confidence":0.99719846,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.007366666570305824},{"word":"matter","start":215.325,"end":215.565,"confidence":0.99957293,"punctuated_word":"matter","sentiment":"neutral","sentiment_score":0.03350990265607834},{"word":"of","start":215.565,"end":215.725,"confidence":0.999114,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.006015032529830933},{"word":"having","start":215.725,"end":216.125,"confidence":0.99959606,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.01440613716840744},{"word":"the","start":216.125,"end":216.525,"confidence":0.99519,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01885805651545525},{"word":"own","start":216.525,"end":217.005,"confidence":0.9928825,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.020714446902275085},{"word":"occupation","start":217.005,"end":217.505,"confidence":0.9993299,"punctuated_word":"occupation","sentiment":"neutral","sentiment_score":0.01600036397576332},{"word":"outside","start":217.645,"end":218.125,"confidence":0.9978346,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.03940598294138909},{"word":"of","start":218.125,"end":218.285,"confidence":0.99730635,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0114053376019001},{"word":"super","start":218.285,"end":218.525,"confidence":0.27072996,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":-0.005131743848323822},{"word":"isn't","start":218.525,"end":218.845,"confidence":0.7460323,"punctuated_word":"Isn't","sentiment":"neutral","sentiment_score":0.020869512110948563},{"word":"it","start":218.845,"end":219.345,"confidence":0.81391,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.026469586417078972},{"word":"yeah","start":253.205,"end":253.705,"confidence":0.7979988,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12617036700248718},{"word":"yep","start":263.26,"end":263.76,"confidence":0.77807593,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.1741168200969696},{"word":"yeah","start":274.295,"end":274.795,"confidence":0.9523552,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1649394333362579},{"word":"okay","start":295.01498,"end":295.335,"confidence":0.8184396,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0337996706366539},{"word":"can","start":295.335,"end":295.57498,"confidence":0.99694914,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":-0.06415828317403793},{"word":"you","start":295.57498,"end":295.655,"confidence":0.9975236,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08395935595035553},{"word":"sorry","start":295.735,"end":295.97498,"confidence":0.9855973,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.09565367549657822},{"word":"can","start":295.97498,"end":296.13498,"confidence":0.9984244,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":-0.09760120511054993},{"word":"you","start":296.13498,"end":296.29498,"confidence":0.9998517,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09588895738124847},{"word":"remember","start":296.29498,"end":296.615,"confidence":0.99969935,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":-0.09140045195817947},{"word":"off","start":296.615,"end":296.775,"confidence":0.92998976,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.10991424322128296},{"word":"the","start":296.775,"end":296.85498,"confidence":0.8962716,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1141800805926323},{"word":"top","start":296.85498,"end":297.01498,"confidence":0.99734384,"punctuated_word":"top","sentiment":"neutral","sentiment_score":-0.12057875841856004},{"word":"of","start":297.01498,"end":297.095,"confidence":0.9757018,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0942002534866333},{"word":"your","start":297.095,"end":297.175,"confidence":0.996007,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.09931538999080658},{"word":"head","start":297.175,"end":297.41498,"confidence":0.9926825,"punctuated_word":"head","sentiment":"neutral","sentiment_score":-0.11413301527500153},{"word":"how","start":297.41498,"end":297.57498,"confidence":0.959663,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.11541223526000977},{"word":"much","start":297.57498,"end":297.735,"confidence":0.9996799,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.11936764419078828},{"word":"it","start":297.735,"end":297.895,"confidence":0.99776924,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.11267872154712676},{"word":"was","start":297.895,"end":298.215,"confidence":0.99952996,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.10073858499526978},{"word":"out","start":298.215,"end":298.375,"confidence":0.6503063,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.09803937375545502},{"word":"of","start":298.375,"end":298.455,"confidence":0.9967236,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12486329674720764},{"word":"pocket","start":298.455,"end":298.955,"confidence":0.99011517,"punctuated_word":"pocket?","sentiment":"neutral","sentiment_score":-0.12851621210575104},{"word":"yep","start":299.655,"end":300.155,"confidence":0.9528043,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19659140706062317},{"word":"yeah","start":312.17,"end":312.67,"confidence":0.8357569,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05089683458209038},{"word":"no","start":313.21,"end":313.45,"confidence":0.8425857,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0013851001858711245},{"word":"i've","start":313.45,"end":313.61002,"confidence":0.99397516,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.014664607122540474},{"word":"got","start":313.61002,"end":313.85,"confidence":0.9962469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.03780262917280197},{"word":"time","start":313.85,"end":314.25,"confidence":0.9646785,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.016459910199046135},{"word":"i'm","start":314.25,"end":314.49,"confidence":0.9753816,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.025618240237236023},{"word":"at","start":314.49,"end":314.65,"confidence":0.81563884,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03114277310669422},{"word":"i'm","start":314.65,"end":314.89,"confidence":0.99437475,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.02034251019358635},{"word":"at","start":314.89,"end":315.05002,"confidence":0.99922204,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.021945135667920113},{"word":"work","start":315.05002,"end":315.29,"confidence":0.99712783,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.024261057376861572},{"word":"at","start":315.29,"end":315.45,"confidence":0.9915255,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.028045712038874623},{"word":"the","start":315.45,"end":315.53,"confidence":0.99921536,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02523096278309822},{"word":"moment","start":315.53,"end":315.93,"confidence":0.9998828,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.03522200137376785},{"word":"staring","start":315.93,"end":316.25,"confidence":0.8422168,"punctuated_word":"staring","sentiment":"neutral","sentiment_score":0.030096909031271935},{"word":"at","start":316.25,"end":316.41,"confidence":0.9941607,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.033931322395801544},{"word":"the","start":316.41,"end":316.49,"confidence":0.9935806,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.026798304170370105},{"word":"side","start":316.49,"end":316.65,"confidence":0.9475519,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.038685716688632965},{"word":"of","start":316.65,"end":316.81,"confidence":0.9987801,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.028730204328894615},{"word":"a","start":316.81,"end":316.89,"confidence":0.87249476,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.019732121378183365},{"word":"great","start":316.89,"end":317.13,"confidence":0.9853278,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.4946807622909546},{"word":"big","start":317.13,"end":317.29,"confidence":0.9261038,"punctuated_word":"big","sentiment":"positive","sentiment_score":0.5012595653533936},{"word":"oil","start":317.29,"end":317.61002,"confidence":0.9953145,"punctuated_word":"oil","sentiment":"positive","sentiment_score":0.45614415407180786},{"word":"tanker","start":317.61002,"end":318.09,"confidence":0.92643285,"punctuated_word":"tanker.","sentiment":"positive","sentiment_score":0.3922024369239807},{"word":"so","start":318.09,"end":318.33002,"confidence":0.80839247,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2797684967517853},{"word":"okay","start":351.32,"end":351.64,"confidence":0.79519004,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0011722920462489128},{"word":"and","start":351.64,"end":351.88,"confidence":0.9952484,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.009041164070367811},{"word":"would","start":351.88,"end":352.12,"confidence":0.9571712,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.027087992057204247},{"word":"that","start":352.12,"end":352.28,"confidence":0.9997898,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.013467773795127869},{"word":"come","start":352.28,"end":352.52,"confidence":0.9996352,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.018195629119873047},{"word":"out","start":352.52,"end":352.76,"confidence":0.9996643,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.02500803768634796},{"word":"of","start":352.76,"end":352.84,"confidence":0.999127,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03846614062786102},{"word":"my","start":352.84,"end":353.0,"confidence":0.9981635,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.04534212499856949},{"word":"that","start":353.48,"end":353.72,"confidence":0.99749655,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04607987403869629},{"word":"would","start":353.72,"end":353.88,"confidence":0.99941695,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.07800939679145813},{"word":"be","start":353.88,"end":354.12,"confidence":0.9993425,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.05412907153367996},{"word":"taken","start":354.12,"end":354.44,"confidence":0.9988882,"punctuated_word":"taken","sentiment":"neutral","sentiment_score":-0.08376750349998474},{"word":"out","start":354.44,"end":354.6,"confidence":0.99934775,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.04153526946902275},{"word":"of","start":354.6,"end":354.76,"confidence":0.9987312,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05581860989332199},{"word":"my","start":354.76,"end":355.185,"confidence":0.99128246,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.0594572052359581},{"word":"my","start":356.145,"end":356.625,"confidence":0.9815664,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.05008766800165176},{"word":"we","start":356.705,"end":357.025,"confidence":0.8269135,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.04483400285243988},{"word":"have","start":357.025,"end":357.505,"confidence":0.5741478,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.05435597151517868},{"word":"what","start":357.665,"end":357.825,"confidence":0.82961303,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.06180765479803085},{"word":"do","start":358.385,"end":358.54498,"confidence":0.92637056,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06335654109716415},{"word":"i","start":358.54498,"end":358.705,"confidence":0.99959785,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05597921460866928},{"word":"need","start":358.705,"end":358.945,"confidence":0.99980694,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.06949016451835632},{"word":"to","start":358.945,"end":359.025,"confidence":0.9987779,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0698147565126419},{"word":"pay","start":359.025,"end":359.26498,"confidence":0.99948823,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.06845574080944061},{"word":"that","start":359.26498,"end":359.745,"confidence":0.9988212,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05363822728395462},{"word":"direct","start":359.745,"end":360.065,"confidence":0.98244655,"punctuated_word":"direct","sentiment":"neutral","sentiment_score":-0.08812040090560913},{"word":"to","start":360.065,"end":360.145,"confidence":0.99780244,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08106105774641037},{"word":"them","start":360.145,"end":360.385,"confidence":0.99875987,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.08048206567764282},{"word":"or","start":360.385,"end":360.54498,"confidence":0.48954406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0828215628862381},{"word":"does","start":360.54498,"end":360.785,"confidence":0.974343,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.06315339356660843},{"word":"it","start":360.785,"end":360.865,"confidence":0.99846965,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06901697814464569},{"word":"get","start":360.865,"end":361.105,"confidence":0.9962251,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.07344325631856918},{"word":"taken","start":361.105,"end":361.345,"confidence":0.99907386,"punctuated_word":"taken","sentiment":"neutral","sentiment_score":-0.0835815891623497},{"word":"out","start":361.345,"end":361.505,"confidence":0.9987791,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.06950222700834274},{"word":"of","start":361.505,"end":361.585,"confidence":0.99747795,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08704545348882675},{"word":"my","start":361.585,"end":361.825,"confidence":0.999655,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.08685503154993057},{"word":"pay","start":361.825,"end":362.325,"confidence":0.99059564,"punctuated_word":"pay?","sentiment":"neutral","sentiment_score":-0.07163156569004059},{"word":"yep","start":365.105,"end":365.605,"confidence":0.83121765,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08116377890110016},{"word":"okay","start":373.26,"end":373.76,"confidence":0.7533827,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03321179002523422},{"word":"alright","start":373.98,"end":374.38,"confidence":0.99297726,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.1280486285686493},{"word":"cool","start":374.38,"end":374.88,"confidence":0.9993666,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.22628335654735565},{"word":"alright","start":375.1,"end":375.42,"confidence":0.76195216,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.16333048045635223},{"word":"i","start":375.42,"end":375.5,"confidence":0.9981476,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10719974339008333},{"word":"think","start":375.5,"end":375.9,"confidence":0.99576366,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.10003349184989928},{"word":"i'm","start":375.9,"end":376.14,"confidence":0.9958848,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07872269302606583},{"word":"i","start":376.14,"end":376.30002,"confidence":0.74577594,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0759650394320488},{"word":"think","start":376.30002,"end":376.46,"confidence":0.99161994,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.0841616839170456},{"word":"i'm","start":376.46,"end":376.7,"confidence":0.9996566,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.08654075860977173},{"word":"comfortable","start":376.7,"end":377.18,"confidence":0.9986045,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.06460334360599518},{"word":"with","start":377.18,"end":377.34,"confidence":0.99746215,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04131040722131729},{"word":"that","start":377.34,"end":377.58002,"confidence":0.99900293,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.051263228058815},{"word":"i","start":377.58002,"end":377.74,"confidence":0.99933213,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04935746267437935},{"word":"would","start":377.74,"end":378.06,"confidence":0.9910744,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.046826913952827454},{"word":"rather","start":378.06,"end":378.56,"confidence":0.99844545,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":0.030407797545194622},{"word":"have","start":378.7,"end":379.1,"confidence":0.9989999,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05792617052793503},{"word":"the","start":379.1,"end":379.34,"confidence":0.8085154,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0658825933933258},{"word":"that","start":379.5,"end":379.74,"confidence":0.99972314,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08562126755714417},{"word":"level","start":379.74,"end":380.14,"confidence":0.999395,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.046416155993938446},{"word":"of","start":380.14,"end":380.22,"confidence":0.998319,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06552141904830933},{"word":"coverage","start":380.22,"end":380.72,"confidence":0.83085907,"punctuated_word":"coverage.","sentiment":"neutral","sentiment_score":0.04180213063955307},{"word":"you","start":381.9,"end":382.14,"confidence":0.96602213,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.0022303909063339233},{"word":"know","start":382.14,"end":382.46,"confidence":0.829659,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.0006000101566314697},{"word":"god","start":382.46,"end":382.7,"confidence":0.7097051,"punctuated_word":"God","sentiment":"neutral","sentiment_score":-0.0708717629313469},{"word":"forbid","start":382.7,"end":383.1,"confidence":0.9969283,"punctuated_word":"forbid","sentiment":"neutral","sentiment_score":-0.07698806375265121},{"word":"i","start":383.1,"end":383.42,"confidence":0.7618321,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02559826523065567},{"word":"ever","start":383.42,"end":383.66,"confidence":0.951721,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.0383022204041481},{"word":"actually","start":383.66,"end":384.06,"confidence":0.96574825,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.0668085590004921},{"word":"have","start":384.06,"end":384.285,"confidence":0.93474895,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0589153990149498},{"word":"to","start":384.365,"end":384.445,"confidence":0.98913234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05338391661643982},{"word":"make","start":384.445,"end":384.565,"confidence":0.9985285,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.07307052612304688},{"word":"a","start":384.565,"end":384.685,"confidence":0.9675844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03272734954953194},{"word":"claim","start":384.685,"end":384.92502,"confidence":0.9995504,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.006347104907035828},{"word":"on","start":384.92502,"end":385.005,"confidence":0.99938154,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0011284425854682922},{"word":"this","start":385.005,"end":385.325,"confidence":0.80196095,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":-0.01164272055029869},{"word":"but","start":385.325,"end":385.825,"confidence":0.99713194,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.01581694185733795},{"word":"if","start":386.045,"end":386.285,"confidence":0.68398196,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.052533380687236786},{"word":"i","start":386.285,"end":386.445,"confidence":0.63520813,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0346875824034214},{"word":"do","start":386.445,"end":386.605,"confidence":0.54372215,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.06338470429182053},{"word":"i","start":386.605,"end":386.765,"confidence":0.90980613,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03695180639624595},{"word":"do","start":386.765,"end":387.265,"confidence":0.5600518,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0306224524974823},{"word":"yeah","start":390.935,"end":391.435,"confidence":0.9788027,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.025126755237579346},{"word":"alright","start":422.335,"end":422.835,"confidence":0.90511894,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.15768557786941528},{"word":"yeah","start":446.905,"end":447.385,"confidence":0.8550205,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.28526753187179565},{"word":"i","start":447.385,"end":447.625,"confidence":0.90392613,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4303698539733886},{"word":"i","start":447.625,"end":447.705,"confidence":0.64626133,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4523932635784149},{"word":"think","start":447.705,"end":447.865,"confidence":0.9990324,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.5069949626922607},{"word":"for","start":447.865,"end":448.185,"confidence":0.92890394,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5052747130393982},{"word":"roughly","start":448.185,"end":448.585,"confidence":0.9782568,"punctuated_word":"roughly","sentiment":"positive","sentiment_score":0.4081096947193146},{"word":"a","start":448.585,"end":448.665,"confidence":0.99683905,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5356392860412598},{"word":"dollar","start":448.665,"end":448.985,"confidence":0.9997887,"punctuated_word":"dollar","sentiment":"positive","sentiment_score":0.4143464863300323},{"word":"a","start":448.985,"end":449.065,"confidence":0.996498,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.47254854440689087},{"word":"day","start":449.065,"end":449.225,"confidence":0.95697594,"punctuated_word":"day,","sentiment":"positive","sentiment_score":0.4571006894111634},{"word":"i'm","start":449.225,"end":449.385,"confidence":0.9997145,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6182799339294434},{"word":"pretty","start":449.385,"end":449.625,"confidence":0.9998061,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.6227086186408997},{"word":"happy","start":449.625,"end":449.945,"confidence":0.9997626,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.5826589465141296},{"word":"with","start":449.945,"end":450.10498,"confidence":0.9859153,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6092569828033447},{"word":"that","start":450.10498,"end":450.60498,"confidence":0.9816123,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5443180203437805},{"word":"it's","start":454.0,"end":454.5,"confidence":0.7410538,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.5618996620178223},{"word":"way","start":454.64,"end":454.8,"confidence":0.96246177,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.605595052242279},{"word":"cheaper","start":454.8,"end":455.3,"confidence":0.995765,"punctuated_word":"cheaper.","sentiment":"positive","sentiment_score":0.4685724675655365},{"word":"awesome","start":455.52,"end":456.02,"confidence":0.9955584,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.5789146423339844},{"word":"alright","start":456.08002,"end":456.56,"confidence":0.99441487,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.31247687339782715},{"word":"thank","start":456.56,"end":456.8,"confidence":0.9994418,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5288800597190857},{"word":"you","start":456.8,"end":456.96,"confidence":0.9998971,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5563933849334717},{"word":"very","start":456.96,"end":457.2,"confidence":0.9998105,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.5221409797668457},{"word":"much","start":457.2,"end":457.44,"confidence":0.99995136,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.5996473431587219},{"word":"for","start":457.44,"end":457.52,"confidence":0.9967193,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5167602896690369},{"word":"giving","start":457.52,"end":457.76,"confidence":0.99630404,"punctuated_word":"giving","sentiment":"positive","sentiment_score":0.4236183166503906},{"word":"me","start":457.76,"end":457.92,"confidence":0.99900764,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.3537448048591614},{"word":"a","start":457.92,"end":458.0,"confidence":0.9940553,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3310976028442383},{"word":"call","start":458.0,"end":458.5,"confidence":0.9991474,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.316628634929657},{"word":"i","start":458.72,"end":458.96,"confidence":0.84756744,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2237791419029236},{"word":"will","start":458.96,"end":459.46,"confidence":0.9994597,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2757423222064972},{"word":"look","start":459.68,"end":459.92,"confidence":0.926539,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.18849022686481476},{"word":"to","start":459.92,"end":460.08002,"confidence":0.99958616,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22903183102607727},{"word":"get","start":460.08002,"end":460.24,"confidence":0.99981517,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.18859495222568512},{"word":"that","start":460.24,"end":460.48,"confidence":0.999113,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22877803444862368},{"word":"documentation","start":460.48,"end":460.98,"confidence":0.998173,"punctuated_word":"documentation","sentiment":"neutral","sentiment_score":0.1975788027048111},{"word":"signed","start":461.28,"end":461.6,"confidence":0.67374736,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.1860400587320328},{"word":"and","start":461.6,"end":461.68,"confidence":0.61683065,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23753884434700012},{"word":"back","start":461.68,"end":461.92,"confidence":0.9735164,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.24206005036830905},{"word":"to","start":461.92,"end":462.42,"confidence":0.9939773,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23383483290672305},{"word":"you","start":462.56,"end":462.64,"confidence":0.9782618,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2497965842485428},{"word":"as","start":462.64,"end":462.8,"confidence":0.9520833,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.23531007766723633},{"word":"soon","start":462.8,"end":463.04,"confidence":0.99887925,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":0.16372106969356537},{"word":"as","start":463.04,"end":463.2,"confidence":0.9918411,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1917000114917755},{"word":"i","start":463.2,"end":463.28,"confidence":0.9159276,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1840220093727112},{"word":"can","start":463.28,"end":463.78,"confidence":0.8450389,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.1810673177242279},{"word":"okay","start":484.13,"end":484.63,"confidence":0.97868943,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.350868821144104},{"word":"terrific","start":484.77,"end":485.17,"confidence":0.9932211,"punctuated_word":"Terrific.","sentiment":"positive","sentiment_score":0.8297324180603027},{"word":"alright","start":485.17,"end":485.49,"confidence":0.97798896,"punctuated_word":"Alright,","sentiment":"positive","sentiment_score":0.6568379402160645},{"word":"dana","start":485.49,"end":485.73,"confidence":0.7556286,"punctuated_word":"Dana.","sentiment":"positive","sentiment_score":0.7162420749664307},{"word":"thanks","start":485.73,"end":485.97,"confidence":0.9977003,"punctuated_word":"Thanks","sentiment":"positive","sentiment_score":0.8818141222000122},{"word":"a","start":485.97,"end":486.05,"confidence":0.9058896,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.8792493343353271},{"word":"lot","start":486.05,"end":486.55,"confidence":0.98639536,"punctuated_word":"lot.","sentiment":"positive","sentiment_score":0.8061327934265137},{"word":"you","start":490.13,"end":490.37,"confidence":0.99636614,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.6417241096496582},{"word":"too","start":490.37,"end":490.69,"confidence":0.9957872,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.6287639141082764},{"word":"bye","start":490.69,"end":491.19,"confidence":0.9984201,"punctuated_word":"Bye.","sentiment":"positive","sentiment_score":0.441581666469574}],"paragraphs":{"transcript":"\nHello? Good. And yourself? Yeah. Yeah.\n\nThat's fine. This must be pretty late for you. Yeah. So I guess my concern sort of comes about from, basically, I'm triple traded. So I'm a I'm an electrician, instrumentation tech, process operations technician, all of which can encompass all sorts of roles.\n\nSo I would hate to, you know, have some kind of workplace incident and then be told, well, you're not getting paid out because you can go and, you know, sit in front of a classroom or something like that. So I know you said we can do part of it outside of super, but does that mean that does that mean that I would only get a partial payout because only part of it's outside of super? Yep. Yeah. Yeah.\n\nOkay. So alright. It sound like I might be getting a little confused to you then or because it it sort of comes down like you've just said, it basically comes down to what the doctor says. So if yeah. My like I said, my only concern is if I can't go back to my job, I sorta don't wanna be forced into or if I can't go back to my job, I expect to be paid out is is actually my my view on it.\n\nSo in that situation, that's a that is a matter of having the own occupation outside of Super Isn't it? Yeah. Yep. Yeah. Okay.\n\nCan you sorry. Can you remember off the top of your head how much it was out of pocket? Yep. Yeah. No.\n\nI've got time. I'm at I'm at work at the moment staring at the side of a great big oil tanker. So Okay. And would that come out of my that would be taken out of my my we have what do I need to pay that direct to them or does it get taken out of my pay? Yep.\n\nOkay. Alright. Cool. Alright. I think I'm I think I'm comfortable with that.\n\nI would rather have the that level of coverage. You know, God forbid I ever actually have to make a claim on this, but if I do, I do yeah. Alright. Yeah. I I think for roughly a dollar a day, I'm pretty happy with that.\n\nIt's way cheaper. Awesome. Alright. Thank you very much for giving me a call. I will look to get that documentation signed and back to you as soon as I can.\n\nOkay. Terrific. Alright, Dana. Thanks a lot. You too.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.05563707277178764},{"text":"Good.","start":5.92,"end":6.3199997,"sentiment":"positive","sentiment_score":0.5928828716278076},{"text":"And yourself?","start":6.3199997,"end":6.98,"sentiment":"positive","sentiment_score":0.44162698090076447},{"text":"Yeah.","start":15.835,"end":16.154999,"sentiment":"neutral","sentiment_score":0.043483853340148926},{"text":"Yeah.","start":16.154999,"end":16.395,"sentiment":"neutral","sentiment_score":0.07319220900535583}],"sentiment":"neutral","sentiment_score":0.2747416614244382,"num_words":6,"start":1.4399999,"end":16.395},{"sentences":[{"text":"That's fine.","start":16.395,"end":16.955,"sentiment":"neutral","sentiment_score":0.13531406968832016},{"text":"This must be pretty late for you.","start":16.955,"end":18.895,"sentiment":"neutral","sentiment_score":0.016851536397423064},{"text":"Yeah.","start":21.915,"end":22.415,"sentiment":"neutral","sentiment_score":0.2090284824371338},{"text":"So I guess my concern sort of comes about from, basically, I'm triple traded.","start":25.435,"end":34.94,"sentiment":"neutral","sentiment_score":-0.058695632964372635},{"text":"So I'm a I'm an electrician, instrumentation tech, process operations technician, all of which can encompass all sorts of roles.","start":35.0,"end":45.18,"sentiment":"neutral","sentiment_score":-0.0038119878154248}],"sentiment":"neutral","sentiment_score":-0.006826391845772212,"num_words":44,"start":16.395,"end":45.18},{"sentences":[{"text":"So I would hate to, you know, have some kind of workplace incident and then be told, well, you're not getting paid out because you can go and, you know, sit in front of a classroom or something like that.","start":46.344997,"end":60.204998,"sentiment":"neutral","sentiment_score":-0.191639806330204},{"text":"So I know you said we can do part of it outside of super, but does that mean that does that mean that I would only get a partial payout because only part of it's outside of super?","start":62.86,"end":74.145,"sentiment":"neutral","sentiment_score":-0.05926280605949854},{"text":"Yep.","start":125.170006,"end":125.670006,"sentiment":"neutral","sentiment_score":0.214443176984787},{"text":"Yeah.","start":154.01,"end":154.51,"sentiment":"neutral","sentiment_score":-0.052402302622795105},{"text":"Yeah.","start":180.23,"end":180.70999,"sentiment":"neutral","sentiment_score":0.026729244738817215}],"sentiment":"neutral","sentiment_score":-0.12010875017738637,"num_words":81,"start":46.344997,"end":180.70999},{"sentences":[{"text":"Okay.","start":180.70999,"end":181.20999,"sentiment":"neutral","sentiment_score":0.01559923216700554},{"text":"So alright.","start":181.26999,"end":184.245,"sentiment":"neutral","sentiment_score":0.004602508153766394},{"text":"It sound like I might be getting a little confused to you then or because it it sort of comes down like you've just said, it basically comes down to what the doctor says.","start":184.405,"end":193.125,"sentiment":"neutral","sentiment_score":-0.07043031767448958},{"text":"So if yeah.","start":193.125,"end":196.025,"sentiment":"neutral","sentiment_score":-0.04222435628374418},{"text":"My like I said, my only concern is if I can't go back to my job, I sorta don't wanna be forced into or if I can't go back to my job, I expect to be paid out is is actually my my view on it.","start":196.65999,"end":211.485,"sentiment":"neutral","sentiment_score":-0.12125636450946331}],"sentiment":"neutral","sentiment_score":-0.09388712079935642,"num_words":86,"start":180.70999,"end":211.485},{"sentences":[{"text":"So in that situation, that's a that is a matter of having the own occupation outside of Super Isn't it?","start":212.605,"end":219.345,"sentiment":"neutral","sentiment_score":0.008934435341507197},{"text":"Yeah.","start":253.205,"end":253.705,"sentiment":"neutral","sentiment_score":0.12617036700248718},{"text":"Yep.","start":263.26,"end":263.76,"sentiment":"neutral","sentiment_score":-0.1741168200969696},{"text":"Yeah.","start":274.295,"end":274.795,"sentiment":"neutral","sentiment_score":0.1649394333362579},{"text":"Okay.","start":295.01498,"end":295.335,"sentiment":"neutral","sentiment_score":0.0337996706366539}],"sentiment":"neutral","sentiment_score":0.013728389904523889,"num_words":24,"start":212.605,"end":295.335},{"sentences":[{"text":"Can you sorry.","start":295.335,"end":295.97498,"sentiment":"neutral","sentiment_score":-0.08125710487365723},{"text":"Can you remember off the top of your head how much it was out of pocket?","start":295.97498,"end":298.955,"sentiment":"neutral","sentiment_score":-0.10855177650228143},{"text":"Yep.","start":299.655,"end":300.155,"sentiment":"neutral","sentiment_score":0.19659140706062317},{"text":"Yeah.","start":312.17,"end":312.67,"sentiment":"neutral","sentiment_score":0.05089683458209038},{"text":"No.","start":313.21,"end":313.45,"sentiment":"neutral","sentiment_score":-0.0013851001858711245}],"sentiment":"neutral","sentiment_score":-0.07884075441821055,"num_words":22,"start":295.335,"end":313.45},{"sentences":[{"text":"I've got time.","start":313.45,"end":314.25,"sentiment":"neutral","sentiment_score":0.022975715498129528},{"text":"I'm at I'm at work at the moment staring at the side of a great big oil tanker.","start":314.25,"end":318.09,"sentiment":"neutral","sentiment_score":0.12411499385618502},{"text":"So Okay.","start":318.09,"end":351.64,"sentiment":"neutral","sentiment_score":0.1404703943990171},{"text":"And would that come out of my that would be taken out of my my we have what do I need to pay that direct to them or does it get taken out of my pay?","start":351.64,"end":362.325,"sentiment":"neutral","sentiment_score":-0.058998342137783766},{"text":"Yep.","start":365.105,"end":365.605,"sentiment":"neutral","sentiment_score":0.08116377890110016}],"sentiment":"neutral","sentiment_score":0.009019354777410626,"num_words":60,"start":313.45,"end":365.605},{"sentences":[{"text":"Okay.","start":373.26,"end":373.76,"sentiment":"neutral","sentiment_score":0.03321179002523422},{"text":"Alright.","start":373.98,"end":374.38,"sentiment":"neutral","sentiment_score":0.1280486285686493},{"text":"Cool.","start":374.38,"end":374.88,"sentiment":"neutral","sentiment_score":0.22628335654735565},{"text":"Alright.","start":375.1,"end":375.42,"sentiment":"neutral","sentiment_score":0.16333048045635223},{"text":"I think I'm I think I'm comfortable with that.","start":375.42,"end":377.58002,"sentiment":"neutral","sentiment_score":0.07664448767900467}],"sentiment":"neutral","sentiment_score":0.09543651113143334,"num_words":13,"start":373.26,"end":377.58002},{"sentences":[{"text":"I would rather have the that level of coverage.","start":377.58002,"end":380.72,"sentiment":"neutral","sentiment_score":0.054417990148067474},{"text":"You know, God forbid I ever actually have to make a claim on this, but if I do, I do yeah.","start":381.9,"end":391.435,"sentiment":"neutral","sentiment_score":-0.011432344360010964},{"text":"Alright.","start":422.335,"end":422.835,"sentiment":"neutral","sentiment_score":0.15768557786941528},{"text":"Yeah.","start":446.905,"end":447.385,"sentiment":"neutral","sentiment_score":0.28526753187179565},{"text":"I I think for roughly a dollar a day, I'm pretty happy with that.","start":447.385,"end":450.60498,"sentiment":"positive","sentiment_score":0.5114285711731229}],"sentiment":"neutral","sentiment_score":0.17070947360733282,"num_words":46,"start":377.58002,"end":450.60498},{"sentences":[{"text":"It's way cheaper.","start":454.0,"end":455.3,"sentiment":"positive","sentiment_score":0.5453557272752126},{"text":"Awesome.","start":455.52,"end":456.02,"sentiment":"positive","sentiment_score":0.5789146423339844},{"text":"Alright.","start":456.08002,"end":456.56,"sentiment":"neutral","sentiment_score":0.31247687339782715},{"text":"Thank you very much for giving me a call.","start":456.56,"end":458.5,"sentiment":"positive","sentiment_score":0.4609901573922899},{"text":"I will look to get that documentation signed and back to you as soon as I can.","start":458.72,"end":463.78,"sentiment":"neutral","sentiment_score":0.2139462451724445}],"sentiment":"neutral","sentiment_score":0.332692138129665,"num_words":31,"start":454.0,"end":463.78},{"sentences":[{"text":"Okay.","start":484.13,"end":484.63,"sentiment":"positive","sentiment_score":0.350868821144104},{"text":"Terrific.","start":484.77,"end":485.17,"sentiment":"positive","sentiment_score":0.8297324180603027},{"text":"Alright, Dana.","start":485.17,"end":485.73,"sentiment":"positive","sentiment_score":0.6865400075912476},{"text":"Thanks a lot.","start":485.73,"end":486.55,"sentiment":"positive","sentiment_score":0.8557320833206177},{"text":"You too.","start":490.13,"end":490.69,"sentiment":"positive","sentiment_score":0.6352440118789673}],"sentiment":"positive","sentiment_score":0.7101517253451877,"num_words":9,"start":484.13,"end":490.69},{"sentences":[{"text":"Bye.","start":490.69,"end":491.19,"sentiment":"positive","sentiment_score":0.441581666469574}],"sentiment":"positive","sentiment_score":0.441581666469574,"num_words":1,"start":490.69,"end":491.19}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Ben. It's Dana from Okey Financial. How are you?\n\nChannel 1: Good. And yourself?\n\nChannel 0: I'm very well. Thank you. Do you have some time now for a bit of a quick chat? I'm so sorry. Just the afternoons are pretty busy this week.\n\nThat's all. Is now okay for you?\n\nChannel 1: Yeah. Yeah. That's fine. This must be pretty\n\nChannel 0: Yep.\n\nChannel 1: late for you.\n\nChannel 0: Oh, no. That's okay. I'm here for another sort of ten minutes,\n\nChannel 1: Yeah.\n\nChannel 0: so it's all good, honestly.\n\nChannel 1: So I\n\nChannel 0: Yeah.\n\nChannel 1: guess my concern sort of comes about from, basically, I'm triple traded. So\n\nChannel 0: Yes.\n\nChannel 1: I'm a I'm an electrician, instrumentation tech, process operations technician, all of which\n\nChannel 0: Yes.\n\nChannel 1: can encompass all sorts of roles. So I would hate to, you know, have some kind of workplace incident\n\nChannel 0: Yes.\n\nChannel 1: and then be told, well, you're not getting paid out because you can go and, you know, sit in front of a classroom or something like that.\n\nChannel 0: Yeah. Yeah. Of course.\n\nChannel 1: So I know you said we can do part of it outside of super, but\n\nChannel 0: Yep.\n\nChannel 1: does that mean that does that mean that I would only get a partial payout because only part\n\nChannel 0: No.\n\nChannel 1: of it's outside of super?\n\nChannel 0: That is a good question, but, no, definitely not. So, essentially, paying part of it outside of soup still entitles you to the full claim. It just means that you're only paying a smaller amount out of your back pocket. But, like, you can still claim the full million dollars of TPD if anything happens. The way that sort of works is they do assess the inside of super portion first under the any occupation.\n\nAnd, look, what they're gonna look for is it's essentially, if the doctor signs off to say that, hey. You're never gonna go back to work again, and you've got your your two doctors, one being a specialist saying you're not gonna be able to do your job again, the likelihood of you being able to stand up in front of a class or sit down in front of a class could be pretty minimal there as well. So I've honestly not seen claims come back declined when the two doctors have provided all the documentation going, this client's never going back to work again. Generally,\n\nChannel 1: Yep.\n\nChannel 0: the assessment team will just approve it. There won't be any problem there. It's more just coming down to what your doctors will sign off on, and it is harder when you're younger to get doctors to sign off. They may go, hey. Look.\n\nYou can probably do a bit of teaching, or you might be able to work in a call center. But when it comes to the claim, if the doctors the two doctors sign off to say you're never going back to work again, generally, the claim is just accepted because they go on medical reports and what doctors are saying you can and can't do for work.\n\nChannel 1: Yeah.\n\nChannel 0: But, like, if you wanna take a little bit outside of super to give you access to their own occupation, if they assess you and you don't qualify under any occupation, then they go look at their own occupation, and paying a small amount outside sleep. It's more just about making it more cost effective for you, and you can still claim the full amount. You're still accessing the full amount that you're eligible that you're covered for if you claim on that.\n\nChannel 1: Yeah. Okay. So\n\nChannel 0: Yeah.\n\nChannel 1: alright. It sound like\n\nChannel 0: Yeah.\n\nChannel 1: I might be getting a little confused to you then or\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: because it it sort of comes down like you've just said, it basically comes down to what the doctor says. So\n\nChannel 0: Absolutely.\n\nChannel 1: if yeah. My like I said, my only concern is if I can't go back to my job,\n\nChannel 0: Yeah.\n\nChannel 1: I sorta don't wanna be forced into or if I can't go back to my job, I expect to be paid out is\n\nChannel 0: Yeah.\n\nChannel 1: is\n\nChannel 0: Absolutely.\n\nChannel 1: actually my my view\n\nChannel 0: Yeah.\n\nChannel 1: on it.\n\nChannel 0: Yeah.\n\nChannel 1: So in that situation, that's a that is a matter of having the own occupation outside of Super Isn't it?\n\nChannel 0: Yeah. That would be the best way. If you're sort of wanting to cover yourself in that instance and just cover yourself for the own occupation, As long as you're comfortable with doing so, you can absolutely take that option. It's just the out of pocket policy that comes with the secondary quote that I sent you. If that's what you kind of wanna go ahead with, I'll just on the last page of the document get you to write there that you wanna take the second quote having the out of pocket portion of the TBD policy.\n\nAnd when it comes back to me, I will make sure that's all sort of ready for you for when we go to application stage.\n\nChannel 1: Yeah.\n\nChannel 0: But, yeah, honestly, it's completely up to you and what you're comfortable with. I think the biggest risk with insurances is that we pay all this money for the premiums, and then we never actually claim. And you've paid\n\nChannel 1: Yep.\n\nChannel 0: all the money for premiums. There's only a very small amount of people who actually do go through a claim, but insurances are about covering the risk of something that could possibly happen to you. So as long\n\nChannel 1: Yeah.\n\nChannel 0: as you're comfortable having a little bit of TBD out of pocket, that's absolutely fine. The cost is pretty minimal. Like, when I looked at the quote, it was actually quite cheap to have that little bit paid out of your back pocket on a a monthly or on a regular basis to give you that own occupation definition. And as I mentioned, you can claim the full amount of TBD. It's absolutely fine.\n\nChannel 1: Okay. Can you sorry. Can you remember off the top of your head how much it was out of pocket?\n\nChannel 0: Yeah. I can\n\nChannel 1: Yep.\n\nChannel 0: bring it up for you. Yeah. Not a problem at all. I actually have it all here for you. Sorry.\n\nI hope it's okay. I'll give you a call. I thought I've got the email, and I thought I've got some time. Let's call you now and go through your questions to make it a bit easier on you.\n\nChannel 1: Yeah. No. I've\n\nChannel 0: Let's\n\nChannel 1: got\n\nChannel 0: have\n\nChannel 1: time.\n\nChannel 0: a look.\n\nChannel 1: I'm at I'm at work at the moment staring at the side of a\n\nChannel 0: Yeah.\n\nChannel 1: great big oil tanker. So\n\nChannel 0: I've got the ascended quote here. Perfect. Sorry. Just opening it up. Won't be a second.\n\nOkay. So the inside super policy doesn't change in any way, shape, or form with that secondary quote. It's just adding a little bit of a premium out of pocket, and it's showing here that the out of pocket portion on a monthly basis is $20.27 dollars and 86¢ on a monthly basis. So that 05/12 is about $334.32 per year.\n\nChannel 1: Okay. And would that come out of my that would be taken out of my my we have what do I need to pay that direct to them or does it get taken out of my pay?\n\nChannel 0: So no. It'll be paid direct to them. We\n\nChannel 1: Yep.\n\nChannel 0: can set it up as a direct debit to come out of your bank account or your credit card or however you would like\n\nChannel 1: Okay.\n\nChannel 0: to pay\n\nChannel 1: Alright.\n\nChannel 0: for\n\nChannel 1: Cool.\n\nChannel 0: that at\n\nChannel 1: Alright. I\n\nChannel 0: the\n\nChannel 1: think\n\nChannel 0: time\n\nChannel 1: I'm I think\n\nChannel 0: of\n\nChannel 1: I'm comfortable\n\nChannel 0: application.\n\nChannel 1: with\n\nChannel 0: Yeah.\n\nChannel 1: that. I\n\nChannel 0: Yeah.\n\nChannel 1: would\n\nChannel 0: Okay.\n\nChannel 1: rather\n\nChannel 0: Yep.\n\nChannel 1: have the that level of coverage.\n\nChannel 0: Yeah.\n\nChannel 1: You know, God forbid I ever actually have to make a claim on this, but\n\nChannel 0: Absolutely.\n\nChannel 1: if I do, I do\n\nChannel 0: Yeah. No. Completely understandable. And, look, this is gonna be reviewed\n\nChannel 1: yeah.\n\nChannel 0: with you every year when we do things anyway. So we'll go through a review. We'll look at your super, look at how things are working for you. Look at the insurance coverage. The idea is we start with a higher level of cover now as your super balance grows, as your, you know, your mortgage decreases, as you don't need so much cover, we can start to reduce the level of cover that you have.\n\nThat's essentially the ultimate goal. So by the time you retire, it's lovely super balance, hopefully, no debt, and don't need to be insured with any insurance covered there. You'll be fully self insured as well. So that's the\n\nChannel 1: Alright.\n\nChannel 0: ultimate goal with how we sort of want it to work, and we'll review it with you because these insurance premiums do get more expensive over time as you get older as the risk of you making a claim increases. So we do wanna review that. Yeah. But, I mean, once we go to application space, if you're comfortable with that little bit of extra outside of super for, you know, the the bigger benefit there of having the own occupation, we'll happily organize that with you. It's not a problem at all.\n\nOkay?\n\nChannel 1: Yeah. I I think for roughly a dollar a day, I'm pretty happy with that.\n\nChannel 0: Absolutely. It's cheaper than a cup of coffee.\n\nChannel 1: It's way cheaper. Awesome.\n\nChannel 0: Yeah.\n\nChannel 1: Alright. Thank you very much\n\nChannel 0: Easy.\n\nChannel 1: for giving me a call. I\n\nChannel 0: That's\n\nChannel 1: will\n\nChannel 0: not a problem.\n\nChannel 1: look to get that documentation signed and back to you as\n\nChannel 0: Yep.\n\nChannel 1: soon as I can.\n\nChannel 0: No worries at all. And just leave a little note for me on the very last page there. If there's no there's normally a section that has a text box, and you can kinda leave a note there. If it doesn't work in any way, shape, or form, just shoot me an email letting me to know the directions that you wanna take and any alterations. And as long as I have it in writing, I can make it happen for you.\n\nOkay?\n\nChannel 1: Okay. Terrific. Alright, Dana. Thanks a lot.\n\nChannel 0: No worries, Ben. Thanks for taking my call. Have a lovely evening.\n\nChannel 1: You too. Bye.\n\nChannel 0: Thanks. See you later.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.05563707277178764}],"sentiment":"neutral","sentiment_score":0.05563707277178764,"channel":1,"num_words":1,"start":1.4399999,"end":1.9399999},{"sentences":[{"text":"Hi, Ben.","start":2.6399999,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.23190190643072128},{"text":"It's Dana from Okey Financial.","start":3.1999998,"end":4.66,"sentiment":"neutral","sentiment_score":0.26271129250526426},{"text":"How are you?","start":4.7999997,"end":5.62,"sentiment":"neutral","sentiment_score":0.29272039731343585}],"sentiment":"neutral","sentiment_score":0.26555214673280714,"channel":0,"num_words":10,"start":2.6399999,"end":5.62},{"sentences":[{"text":"Good.","start":5.92,"end":6.3199997,"sentiment":"positive","sentiment_score":0.5928828716278076},{"text":"And yourself?","start":6.3199997,"end":6.98,"sentiment":"positive","sentiment_score":0.44162698090076447}],"sentiment":"positive","sentiment_score":0.4920456111431122,"channel":1,"num_words":3,"start":5.92,"end":6.98},{"sentences":[{"text":"I'm very well.","start":7.2799997,"end":8.24,"sentiment":"positive","sentiment_score":0.7102725704511007},{"text":"Thank you.","start":8.24,"end":8.639999,"sentiment":"positive","sentiment_score":0.6960695385932922},{"text":"Do you have some time now for a bit of a quick chat?","start":8.639999,"end":10.88,"sentiment":"neutral","sentiment_score":0.12833885791210028},{"text":"I'm so sorry.","start":10.88,"end":11.5199995,"sentiment":"neutral","sentiment_score":-0.2053453971942266},{"text":"Just the afternoons are pretty busy this week.","start":11.5199995,"end":13.5199995,"sentiment":"neutral","sentiment_score":-0.30357084423303604}],"sentiment":"neutral","sentiment_score":0.07402617227414558,"channel":0,"num_words":29,"start":7.2799997,"end":13.5199995},{"sentences":[{"text":"That's all.","start":13.5199995,"end":14.0,"sentiment":"neutral","sentiment_score":-0.08699819818139076},{"text":"Is now okay for you?","start":14.0,"end":15.54,"sentiment":"neutral","sentiment_score":0.03245739378035069}],"sentiment":"neutral","sentiment_score":-0.0016727753515754426,"channel":0,"num_words":7,"start":13.5199995,"end":15.54},{"sentences":[{"text":"Yeah.","start":15.835,"end":16.154999,"sentiment":"neutral","sentiment_score":0.043483853340148926},{"text":"Yeah.","start":16.154999,"end":16.395,"sentiment":"neutral","sentiment_score":0.07319220900535583},{"text":"That's fine.","start":16.395,"end":16.955,"sentiment":"neutral","sentiment_score":0.13531406968832016},{"text":"This must be pretty","start":16.955,"end":17.914999,"sentiment":"neutral","sentiment_score":0.028486321680247784}],"sentiment":"neutral","sentiment_score":0.06265618605539203,"channel":1,"num_words":8,"start":15.835,"end":17.914999},{"sentences":[{"text":"Yep.","start":17.895,"end":18.395,"sentiment":"neutral","sentiment_score":0.01547682285308838}],"sentiment":"neutral","sentiment_score":0.01547682285308838,"channel":0,"num_words":1,"start":17.895,"end":18.395},{"sentences":[{"text":"late for you.","start":17.914999,"end":18.895,"sentiment":"neutral","sentiment_score":0.0013384893536567688}],"sentiment":"neutral","sentiment_score":0.0013384893536567688,"channel":1,"num_words":3,"start":17.914999,"end":18.895},{"sentences":[{"text":"Oh, no.","start":19.175,"end":19.575,"sentiment":"neutral","sentiment_score":-0.024854158982634544},{"text":"That's okay.","start":19.575,"end":20.375,"sentiment":"neutral","sentiment_score":0.04731760174036026},{"text":"I'm here for another sort of ten minutes,","start":20.375,"end":22.055,"sentiment":"neutral","sentiment_score":0.04362815571948886}],"sentiment":"neutral","sentiment_score":0.032829344272613525,"channel":0,"num_words":12,"start":19.175,"end":22.055},{"sentences":[{"text":"Yeah.","start":21.915,"end":22.415,"sentiment":"neutral","sentiment_score":0.2090284824371338}],"sentiment":"neutral","sentiment_score":0.2090284824371338,"channel":1,"num_words":1,"start":21.915,"end":22.415},{"sentences":[{"text":"so it's all good, honestly.","start":22.055,"end":23.515,"sentiment":"positive","sentiment_score":0.4419807970523834}],"sentiment":"positive","sentiment_score":0.4419807970523834,"channel":0,"num_words":5,"start":22.055,"end":23.515},{"sentences":[{"text":"So I","start":25.435,"end":26.794998,"sentiment":"neutral","sentiment_score":0.11774006858468056}],"sentiment":"neutral","sentiment_score":0.11774006858468056,"channel":1,"num_words":2,"start":25.435,"end":26.794998},{"sentences":[{"text":"Yeah.","start":26.615,"end":27.115,"sentiment":"neutral","sentiment_score":0.04774029180407524}],"sentiment":"neutral","sentiment_score":0.04774029180407524,"channel":0,"num_words":1,"start":26.615,"end":27.115},{"sentences":[{"text":"guess my concern sort of comes about from, basically, I'm triple traded.","start":26.794998,"end":34.94,"sentiment":"neutral","sentiment_score":-0.08810158322254817},{"text":"So","start":35.0,"end":35.5,"sentiment":"neutral","sentiment_score":-0.02556530386209488}],"sentiment":"neutral","sentiment_score":-0.08329110019482099,"channel":1,"num_words":13,"start":26.794998,"end":35.5},{"sentences":[{"text":"Yes.","start":35.61,"end":36.11,"sentiment":"neutral","sentiment_score":-0.0025550713762640953}],"sentiment":"neutral","sentiment_score":-0.0025550713762640953,"channel":0,"num_words":1,"start":35.61,"end":36.11},{"sentences":[{"text":"I'm a I'm an electrician, instrumentation tech, process operations technician, all of which","start":35.96,"end":41.9,"sentiment":"neutral","sentiment_score":0.0016166293420470678}],"sentiment":"neutral","sentiment_score":0.0016166293420470678,"channel":1,"num_words":13,"start":35.96,"end":41.9},{"sentences":[{"text":"Yes.","start":42.025,"end":42.525,"sentiment":"neutral","sentiment_score":0.010112719610333444}],"sentiment":"neutral","sentiment_score":0.010112719610333444,"channel":0,"num_words":1,"start":42.025,"end":42.525},{"sentences":[{"text":"can encompass all sorts of roles.","start":42.52,"end":45.18,"sentiment":"neutral","sentiment_score":-0.011948438982168833},{"text":"So I would hate to, you know, have some kind of workplace incident","start":46.344997,"end":50.605,"sentiment":"neutral","sentiment_score":-0.25157928180236083}],"sentiment":"neutral","sentiment_score":-0.17590638406966863,"channel":1,"num_words":19,"start":42.52,"end":50.605},{"sentences":[{"text":"Yes.","start":51.305,"end":51.805,"sentiment":"neutral","sentiment_score":-0.1300894021987915}],"sentiment":"neutral","sentiment_score":-0.1300894021987915,"channel":0,"num_words":1,"start":51.305,"end":51.805},{"sentences":[{"text":"and then be told, well, you're not getting paid out because you can go and, you know, sit in front of a classroom or something like that.","start":52.504997,"end":60.204998,"sentiment":"neutral","sentiment_score":-0.16278005888064703}],"sentiment":"neutral","sentiment_score":-0.16278005888064703,"channel":1,"num_words":27,"start":52.504997,"end":60.204998},{"sentences":[{"text":"Yeah.","start":60.52,"end":61.02,"sentiment":"neutral","sentiment_score":-0.015188781544566154},{"text":"Yeah.","start":61.16,"end":61.66,"sentiment":"neutral","sentiment_score":-0.0017066765576601028},{"text":"Of course.","start":61.72,"end":62.38,"sentiment":"neutral","sentiment_score":-0.006680862978100777}],"sentiment":"neutral","sentiment_score":-0.007564296014606953,"channel":0,"num_words":4,"start":60.52,"end":62.38},{"sentences":[{"text":"So I know you said we can do part of it outside of super, but","start":62.86,"end":68.22,"sentiment":"neutral","sentiment_score":-0.02048868512113889}],"sentiment":"neutral","sentiment_score":-0.02048868512113889,"channel":1,"num_words":15,"start":62.86,"end":68.22},{"sentences":[{"text":"Yep.","start":68.05499,"end":68.55499,"sentiment":"neutral","sentiment_score":-0.03634820878505707}],"sentiment":"neutral","sentiment_score":-0.03634820878505707,"channel":0,"num_words":1,"start":68.05499,"end":68.55499},{"sentences":[{"text":"does that mean that does that mean that I would only get a partial payout because only part","start":68.22,"end":72.78,"sentiment":"neutral","sentiment_score":-0.07573349008129703}],"sentiment":"neutral","sentiment_score":-0.07573349008129703,"channel":1,"num_words":18,"start":68.22,"end":72.78},{"sentences":[{"text":"No.","start":72.774994,"end":73.274994,"sentiment":"neutral","sentiment_score":-0.11984378099441528}],"sentiment":"neutral","sentiment_score":-0.11984378099441528,"channel":0,"num_words":1,"start":72.774994,"end":73.274994},{"sentences":[{"text":"of it's outside of super?","start":72.78,"end":74.145,"sentiment":"neutral","sentiment_score":-0.11629070639610291}],"sentiment":"neutral","sentiment_score":-0.11629070639610291,"channel":1,"num_words":5,"start":72.78,"end":74.145},{"sentences":[{"text":"That is a good question, but, no, definitely not.","start":74.375,"end":76.615,"sentiment":"neutral","sentiment_score":-0.057777138219939336},{"text":"So, essentially, paying part of it outside of soup still entitles you to the full claim.","start":76.615,"end":80.85999,"sentiment":"neutral","sentiment_score":0.032043123384937644},{"text":"It just means that you're only paying a smaller amount out of your back pocket.","start":81.0,"end":84.619995,"sentiment":"neutral","sentiment_score":-0.019257121191670497},{"text":"But, like, you can still claim the full million dollars of TPD if anything happens.","start":85.079994,"end":90.06,"sentiment":"neutral","sentiment_score":0.09671792487303416},{"text":"The way that sort of works is they do assess the inside of super portion first under the any occupation.","start":90.759995,"end":96.064995,"sentiment":"neutral","sentiment_score":-0.001801113411784172}],"sentiment":"neutral","sentiment_score":0.01491447356219093,"channel":0,"num_words":75,"start":74.375,"end":96.064995},{"sentences":[{"text":"And, look, what they're gonna look for is it's essentially, if the doctor signs off to say that, hey.","start":96.524994,"end":101.725,"sentiment":"neutral","sentiment_score":-0.03481714314732112},{"text":"You're never gonna go back to work again, and you've got your your two doctors, one being a specialist saying you're not gonna be able to do your job again, the likelihood of you being able to stand up in front of a class or sit down in front of a class could be pretty minimal there as well.","start":101.725,"end":115.18,"sentiment":"negative","sentiment_score":-0.33935730815944026},{"text":"So I've honestly not seen claims come back declined when the two doctors have provided all the documentation going, this client's never going back to work again.","start":115.18,"end":124.575,"sentiment":"negative","sentiment_score":-0.4118658856109337},{"text":"Generally,","start":124.875,"end":125.275,"sentiment":"neutral","sentiment_score":0.12018507719039916}],"sentiment":"neutral","sentiment_score":-0.2989037805236876,"channel":0,"num_words":106,"start":96.524994,"end":125.275},{"sentences":[{"text":"Yep.","start":125.170006,"end":125.670006,"sentiment":"neutral","sentiment_score":0.214443176984787}],"sentiment":"neutral","sentiment_score":0.214443176984787,"channel":1,"num_words":1,"start":125.170006,"end":125.670006},{"sentences":[{"text":"the assessment team will just approve it.","start":125.275,"end":126.955,"sentiment":"positive","sentiment_score":0.3582581451960972},{"text":"There won't be any problem there.","start":126.955,"end":128.735,"sentiment":"neutral","sentiment_score":0.30258116374413174},{"text":"It's more just coming down to what your doctors will sign off on, and it is harder when you're younger to get doctors to sign off.","start":129.035,"end":135.01001,"sentiment":"neutral","sentiment_score":-0.08891793612677318},{"text":"They may go, hey.","start":135.01001,"end":136.15001,"sentiment":"neutral","sentiment_score":-0.018490060232579708},{"text":"Look.","start":136.21,"end":136.45001,"sentiment":"neutral","sentiment_score":0.07209266722202301}],"sentiment":"neutral","sentiment_score":0.04567182013256983,"channel":0,"num_words":44,"start":125.275,"end":136.45001},{"sentences":[{"text":"You can probably do a bit of teaching, or you might be able to work in a call center.","start":136.45001,"end":140.15001,"sentiment":"neutral","sentiment_score":0.06257346644997597},{"text":"But when it comes to the claim, if the doctors the two doctors sign off to say you're never going back to work again, generally, the claim is just accepted because they go on medical reports and what doctors are saying you can and can't do for work.","start":140.21,"end":153.545,"sentiment":"neutral","sentiment_score":-0.20495535836865506}],"sentiment":"neutral","sentiment_score":-0.12908897521113283,"channel":0,"num_words":67,"start":136.45001,"end":153.545},{"sentences":[{"text":"Yeah.","start":154.01,"end":154.51,"sentiment":"neutral","sentiment_score":-0.052402302622795105}],"sentiment":"neutral","sentiment_score":-0.052402302622795105,"channel":1,"num_words":1,"start":154.01,"end":154.51},{"sentences":[{"text":"But, like, if you wanna take a little bit outside of super to give you access to their own occupation, if they assess you and you don't qualify under any occupation, then they go look at their own occupation, and paying a small amount outside sleep.","start":154.565,"end":167.05,"sentiment":"neutral","sentiment_score":0.010528618874757187},{"text":"It's more just about making it more cost effective for you, and you can still claim the full amount.","start":167.05,"end":173.07,"sentiment":"neutral","sentiment_score":0.2168692026875521},{"text":"You're still accessing the full amount that you're eligible that you're covered for if you claim on that.","start":173.225,"end":179.24501,"sentiment":"neutral","sentiment_score":0.17456136478318107}],"sentiment":"neutral","sentiment_score":0.09333657693252506,"channel":0,"num_words":83,"start":154.565,"end":179.24501},{"sentences":[{"text":"Yeah.","start":180.23,"end":180.70999,"sentiment":"neutral","sentiment_score":0.026729244738817215},{"text":"Okay.","start":180.70999,"end":181.20999,"sentiment":"neutral","sentiment_score":0.01559923216700554},{"text":"So","start":181.26999,"end":181.76999,"sentiment":"neutral","sentiment_score":0.0038696639239788055}],"sentiment":"neutral","sentiment_score":0.01539938027660052,"channel":1,"num_words":3,"start":180.23,"end":181.76999},{"sentences":[{"text":"Yeah.","start":181.38501,"end":181.88501,"sentiment":"neutral","sentiment_score":0.005525704473257065}],"sentiment":"neutral","sentiment_score":0.005525704473257065,"channel":0,"num_words":1,"start":181.38501,"end":181.88501},{"sentences":[{"text":"alright.","start":183.75,"end":184.245,"sentiment":"neutral","sentiment_score":0.005335352383553982},{"text":"It sound like","start":184.405,"end":185.205,"sentiment":"neutral","sentiment_score":-0.021327607333660126}],"sentiment":"neutral","sentiment_score":-0.014661867404356599,"channel":1,"num_words":4,"start":183.75,"end":185.205},{"sentences":[{"text":"Yeah.","start":184.985,"end":185.485,"sentiment":"neutral","sentiment_score":-0.030683284625411034}],"sentiment":"neutral","sentiment_score":-0.030683284625411034,"channel":0,"num_words":1,"start":184.985,"end":185.485},{"sentences":[{"text":"I might be getting a little confused to you then or","start":185.205,"end":188.345,"sentiment":"neutral","sentiment_score":-0.12339662489565936}],"sentiment":"neutral","sentiment_score":-0.12339662489565936,"channel":1,"num_words":11,"start":185.205,"end":188.345},{"sentences":[{"text":"Yeah.","start":187.87,"end":188.19,"sentiment":"neutral","sentiment_score":-0.04211536794900894},{"text":"That's okay.","start":188.19,"end":189.01,"sentiment":"neutral","sentiment_score":-0.00908157043159008}],"sentiment":"neutral","sentiment_score":-0.020092836270729702,"channel":0,"num_words":3,"start":187.87,"end":189.01},{"sentences":[{"text":"because it it sort of comes down like you've just said, it basically comes down to what the doctor says.","start":188.565,"end":193.125,"sentiment":"neutral","sentiment_score":-0.048664255253970626},{"text":"So","start":193.125,"end":193.625,"sentiment":"neutral","sentiment_score":-0.0009400025010108948}],"sentiment":"neutral","sentiment_score":-0.04639167178954397,"channel":1,"num_words":21,"start":188.565,"end":193.625},{"sentences":[{"text":"Absolutely.","start":193.70999,"end":194.20999,"sentiment":"neutral","sentiment_score":-0.007857110351324081}],"sentiment":"neutral","sentiment_score":-0.007857110351324081,"channel":0,"num_words":1,"start":193.70999,"end":194.20999},{"sentences":[{"text":"if yeah.","start":194.00499,"end":196.025,"sentiment":"neutral","sentiment_score":-0.06286653317511082},{"text":"My like I said, my only concern is if I can't go back to my job,","start":196.65999,"end":200.92,"sentiment":"neutral","sentiment_score":-0.28554324619472027}],"sentiment":"neutral","sentiment_score":-0.2608013891925414,"channel":1,"num_words":18,"start":194.00499,"end":200.92},{"sentences":[{"text":"Yeah.","start":201.325,"end":201.825,"sentiment":"neutral","sentiment_score":-0.041151002049446106}],"sentiment":"neutral","sentiment_score":-0.041151002049446106,"channel":0,"num_words":1,"start":201.325,"end":201.825},{"sentences":[{"text":"I sorta don't wanna be forced into or if I can't go back to my job, I expect to be paid out is","start":202.01999,"end":208.81999,"sentiment":"neutral","sentiment_score":-0.0837854712229708}],"sentiment":"neutral","sentiment_score":-0.0837854712229708,"channel":1,"num_words":23,"start":202.01999,"end":208.81999},{"sentences":[{"text":"Yeah.","start":208.525,"end":209.005,"sentiment":"neutral","sentiment_score":0.17197662591934204}],"sentiment":"neutral","sentiment_score":0.17197662591934204,"channel":0,"num_words":1,"start":208.525,"end":209.005},{"sentences":[{"text":"is","start":208.81999,"end":209.14,"sentiment":"neutral","sentiment_score":0.20749297738075256}],"sentiment":"neutral","sentiment_score":0.20749297738075256,"channel":1,"num_words":1,"start":208.81999,"end":209.14},{"sentences":[{"text":"Absolutely.","start":209.005,"end":209.505,"sentiment":"neutral","sentiment_score":0.27444976568222046}],"sentiment":"neutral","sentiment_score":0.27444976568222046,"channel":0,"num_words":1,"start":209.005,"end":209.505},{"sentences":[{"text":"actually my my view","start":209.14,"end":210.9,"sentiment":"neutral","sentiment_score":0.13727620244026184}],"sentiment":"neutral","sentiment_score":0.13727620244026184,"channel":1,"num_words":4,"start":209.14,"end":210.9},{"sentences":[{"text":"Yeah.","start":210.84,"end":211.34,"sentiment":"neutral","sentiment_score":0.14766788482666016}],"sentiment":"neutral","sentiment_score":0.14766788482666016,"channel":0,"num_words":1,"start":210.84,"end":211.34},{"sentences":[{"text":"on it.","start":210.9,"end":211.485,"sentiment":"neutral","sentiment_score":0.08068361133337021}],"sentiment":"neutral","sentiment_score":0.08068361133337021,"channel":1,"num_words":2,"start":210.9,"end":211.485},{"sentences":[{"text":"Yeah.","start":211.8,"end":212.3,"sentiment":"neutral","sentiment_score":0.04370773956179619}],"sentiment":"neutral","sentiment_score":0.04370773956179619,"channel":0,"num_words":1,"start":211.8,"end":212.3},{"sentences":[{"text":"So in that situation, that's a that is a matter of having the own occupation outside of Super Isn't it?","start":212.605,"end":219.345,"sentiment":"neutral","sentiment_score":0.008934435341507197}],"sentiment":"neutral","sentiment_score":0.008934435341507197,"channel":1,"num_words":20,"start":212.605,"end":219.345},{"sentences":[{"text":"Yeah.","start":219.4,"end":219.88,"sentiment":"neutral","sentiment_score":0.11275484412908554},{"text":"That would be the best way.","start":219.88,"end":221.08,"sentiment":"neutral","sentiment_score":0.18871350089708963},{"text":"If you're sort of wanting to cover yourself in that instance and just cover yourself for the own occupation, As long as you're comfortable with doing so, you can absolutely take that option.","start":221.08,"end":229.935,"sentiment":"neutral","sentiment_score":0.2391842444511977},{"text":"It's just the out of pocket policy that comes with the secondary quote that I sent you.","start":229.935,"end":234.595,"sentiment":"neutral","sentiment_score":0.3332369432729833},{"text":"If that's what you kind of wanna go ahead with, I'll just on the last page of the document get you to write there that you wanna take the second quote having the out of pocket portion of the TBD policy.","start":234.895,"end":247.05,"sentiment":"neutral","sentiment_score":0.24130748030616017}],"sentiment":"neutral","sentiment_score":0.2520076596387187,"channel":0,"num_words":98,"start":219.4,"end":247.05},{"sentences":[{"text":"And when it comes back to me, I will make sure that's all sort of ready for you for when we go to application stage.","start":247.11,"end":252.65001,"sentiment":"neutral","sentiment_score":0.1952008920907974}],"sentiment":"neutral","sentiment_score":0.1952008920907974,"channel":0,"num_words":25,"start":247.11,"end":252.65001},{"sentences":[{"text":"Yeah.","start":253.205,"end":253.705,"sentiment":"neutral","sentiment_score":0.12617036700248718}],"sentiment":"neutral","sentiment_score":0.12617036700248718,"channel":1,"num_words":1,"start":253.205,"end":253.705},{"sentences":[{"text":"But, yeah, honestly, it's completely up to you and what you're comfortable with.","start":253.51001,"end":256.63,"sentiment":"neutral","sentiment_score":0.1473091892324961},{"text":"I think the biggest risk with insurances is that we pay all this money for the premiums, and then we never actually claim.","start":256.63,"end":262.465,"sentiment":"neutral","sentiment_score":-0.3264952742535135},{"text":"And you've paid","start":262.685,"end":263.325,"sentiment":"neutral","sentiment_score":-0.20461653172969818}],"sentiment":"neutral","sentiment_score":-0.15918516520506296,"channel":0,"num_words":39,"start":253.51001,"end":263.325},{"sentences":[{"text":"Yep.","start":263.26,"end":263.76,"sentiment":"neutral","sentiment_score":-0.1741168200969696}],"sentiment":"neutral","sentiment_score":-0.1741168200969696,"channel":1,"num_words":1,"start":263.26,"end":263.76},{"sentences":[{"text":"all the money for premiums.","start":263.325,"end":264.545,"sentiment":"neutral","sentiment_score":-0.12757375985383987},{"text":"There's only a very small amount of people who actually do go through a claim, but insurances are about covering the risk of something that could possibly happen to you.","start":264.685,"end":273.24,"sentiment":"neutral","sentiment_score":-0.1350983191281557},{"text":"So as long","start":273.24,"end":274.36002,"sentiment":"neutral","sentiment_score":0.045988144973913826}],"sentiment":"neutral","sentiment_score":-0.11981194574189813,"channel":0,"num_words":38,"start":263.325,"end":274.36002},{"sentences":[{"text":"Yeah.","start":274.295,"end":274.795,"sentiment":"neutral","sentiment_score":0.1649394333362579}],"sentiment":"neutral","sentiment_score":0.1649394333362579,"channel":1,"num_words":1,"start":274.295,"end":274.795},{"sentences":[{"text":"as you're comfortable having a little bit of TBD out of pocket, that's absolutely fine.","start":274.36002,"end":279.0,"sentiment":"positive","sentiment_score":0.3899233440558116},{"text":"The cost is pretty minimal.","start":279.0,"end":280.36002,"sentiment":"neutral","sentiment_score":0.3128123998641968},{"text":"Like, when I looked at the quote, it was actually quite cheap to have that little bit paid out of your back pocket on a a monthly or on a regular basis to give you that own occupation definition.","start":280.36002,"end":290.405,"sentiment":"positive","sentiment_score":0.35664778794997776},{"text":"And as I mentioned, you can claim the full amount of TBD.","start":290.405,"end":293.22498,"sentiment":"positive","sentiment_score":0.38000500947237015},{"text":"It's absolutely fine.","start":293.365,"end":294.585,"sentiment":"positive","sentiment_score":0.40662578741709393}],"sentiment":"positive","sentiment_score":0.36624477521793264,"channel":0,"num_words":74,"start":274.36002,"end":294.585},{"sentences":[{"text":"Okay.","start":295.01498,"end":295.335,"sentiment":"neutral","sentiment_score":0.0337996706366539},{"text":"Can you sorry.","start":295.335,"end":295.97498,"sentiment":"neutral","sentiment_score":-0.08125710487365723},{"text":"Can you remember off the top of your head how much it was out of pocket?","start":295.97498,"end":298.955,"sentiment":"neutral","sentiment_score":-0.10855177650228143}],"sentiment":"neutral","sentiment_score":-0.09734000340104103,"channel":1,"num_words":20,"start":295.01498,"end":298.955},{"sentences":[{"text":"Yeah.","start":298.78,"end":299.28,"sentiment":"neutral","sentiment_score":-0.03269181773066521},{"text":"I can","start":299.42,"end":299.74,"sentiment":"neutral","sentiment_score":0.16459307074546814}],"sentiment":"neutral","sentiment_score":0.09883144125342369,"channel":0,"num_words":3,"start":298.78,"end":299.74},{"sentences":[{"text":"Yep.","start":299.655,"end":300.155,"sentiment":"neutral","sentiment_score":0.19659140706062317}],"sentiment":"neutral","sentiment_score":0.19659140706062317,"channel":1,"num_words":1,"start":299.655,"end":300.155},{"sentences":[{"text":"bring it up for you.","start":299.74,"end":300.62,"sentiment":"neutral","sentiment_score":0.24578631520271302},{"text":"Yeah.","start":300.62,"end":300.86,"sentiment":"neutral","sentiment_score":0.23615118861198425},{"text":"Not a problem at all.","start":300.86,"end":301.82,"sentiment":"positive","sentiment_score":0.356208461523056},{"text":"I actually have it all here for you.","start":301.82,"end":303.76,"sentiment":"positive","sentiment_score":0.48295048251748085},{"text":"Sorry.","start":303.9,"end":304.13998,"sentiment":"neutral","sentiment_score":0.2317292094230652}],"sentiment":"positive","sentiment_score":0.3670729070901871,"channel":0,"num_words":20,"start":299.74,"end":304.13998},{"sentences":[{"text":"I hope it's okay.","start":304.13998,"end":304.86,"sentiment":"neutral","sentiment_score":0.31857913732528687},{"text":"I'll give you a call.","start":304.86,"end":305.58,"sentiment":"neutral","sentiment_score":0.2855735272169113},{"text":"I thought I've got the email, and I thought I've got some time.","start":305.58,"end":307.9,"sentiment":"neutral","sentiment_score":0.15528024045320657},{"text":"Let's call you now and go through your questions to make it a bit easier on you.","start":307.9,"end":311.895,"sentiment":"neutral","sentiment_score":0.32582619610954733}],"sentiment":"neutral","sentiment_score":0.26307365756768447,"channel":0,"num_words":39,"start":304.13998,"end":311.895},{"sentences":[{"text":"Yeah.","start":312.17,"end":312.67,"sentiment":"neutral","sentiment_score":0.05089683458209038},{"text":"No.","start":313.21,"end":313.45,"sentiment":"neutral","sentiment_score":-0.0013851001858711245},{"text":"I've","start":313.45,"end":313.61002,"sentiment":"neutral","sentiment_score":0.014664607122540474}],"sentiment":"neutral","sentiment_score":0.021392113839586575,"channel":1,"num_words":3,"start":312.17,"end":313.61002},{"sentences":[{"text":"Let's","start":313.47498,"end":313.715,"sentiment":"neutral","sentiment_score":0.00697339465841651}],"sentiment":"neutral","sentiment_score":0.00697339465841651,"channel":0,"num_words":1,"start":313.47498,"end":313.715},{"sentences":[{"text":"got","start":313.61002,"end":313.85,"sentiment":"neutral","sentiment_score":0.03780262917280197}],"sentiment":"neutral","sentiment_score":0.03780262917280197,"channel":1,"num_words":1,"start":313.61002,"end":313.85},{"sentences":[{"text":"have","start":313.715,"end":313.875,"sentiment":"neutral","sentiment_score":0.03136470168828964}],"sentiment":"neutral","sentiment_score":0.03136470168828964,"channel":0,"num_words":1,"start":313.715,"end":313.875},{"sentences":[{"text":"time.","start":313.85,"end":314.25,"sentiment":"neutral","sentiment_score":0.016459910199046135}],"sentiment":"neutral","sentiment_score":0.016459910199046135,"channel":1,"num_words":1,"start":313.85,"end":314.25},{"sentences":[{"text":"a look.","start":313.875,"end":314.455,"sentiment":"neutral","sentiment_score":0.029488207772374153}],"sentiment":"neutral","sentiment_score":0.029488207772374153,"channel":0,"num_words":2,"start":313.875,"end":314.455},{"sentences":[{"text":"I'm at I'm at work at the moment staring at the side of a","start":314.25,"end":316.89,"sentiment":"neutral","sentiment_score":0.027841640769370964}],"sentiment":"neutral","sentiment_score":0.027841640769370964,"channel":1,"num_words":14,"start":314.25,"end":316.89},{"sentences":[{"text":"Yeah.","start":316.835,"end":317.335,"sentiment":"neutral","sentiment_score":0.22160488367080688}],"sentiment":"neutral","sentiment_score":0.22160488367080688,"channel":0,"num_words":1,"start":316.835,"end":317.335},{"sentences":[{"text":"great big oil tanker.","start":316.89,"end":318.09,"sentiment":"positive","sentiment_score":0.4610717296600342},{"text":"So","start":318.09,"end":318.33002,"sentiment":"neutral","sentiment_score":0.2797684967517853}],"sentiment":"positive","sentiment_score":0.4248110830783844,"channel":1,"num_words":5,"start":316.89,"end":318.33002},{"sentences":[{"text":"I've got the ascended quote here.","start":321.48,"end":323.48,"sentiment":"neutral","sentiment_score":0.26279740780591965},{"text":"Perfect.","start":323.48,"end":323.96002,"sentiment":"positive","sentiment_score":0.4820595979690552},{"text":"Sorry.","start":323.96002,"end":324.12003,"sentiment":"neutral","sentiment_score":0.0889691710472107},{"text":"Just opening it up.","start":324.12003,"end":325.0,"sentiment":"neutral","sentiment_score":0.07576811872422695},{"text":"Won't be a second.","start":325.0,"end":326.06,"sentiment":"neutral","sentiment_score":-0.0077249594032764435}],"sentiment":"neutral","sentiment_score":0.1512491158209741,"channel":0,"num_words":16,"start":321.48,"end":326.06},{"sentences":[{"text":"Okay.","start":328.28,"end":328.78,"sentiment":"neutral","sentiment_score":0.05578479543328285},{"text":"So the inside super policy doesn't change in any way, shape, or form with that secondary quote.","start":328.92,"end":334.6,"sentiment":"neutral","sentiment_score":0.007123994805357035},{"text":"It's just adding a little bit of a premium out of pocket, and it's showing here that the out of pocket portion on a monthly basis is $20.27 dollars and 86¢ on a monthly basis.","start":334.6,"end":346.085,"sentiment":"neutral","sentiment_score":0.057813202743144596},{"text":"So that 05/12 is about $334.32 per year.","start":346.085,"end":350.905,"sentiment":"neutral","sentiment_score":0.01738616987131536}],"sentiment":"neutral","sentiment_score":0.03802718265602986,"channel":0,"num_words":61,"start":328.28,"end":350.905},{"sentences":[{"text":"Okay.","start":351.32,"end":351.64,"sentiment":"neutral","sentiment_score":0.0011722920462489128},{"text":"And would that come out of my that would be taken out of my my we have what do I need to pay that direct to them or does it get taken out of my pay?","start":351.64,"end":362.325,"sentiment":"neutral","sentiment_score":-0.058998342137783766}],"sentiment":"neutral","sentiment_score":-0.057372108781458556,"channel":1,"num_words":37,"start":351.32,"end":362.325},{"sentences":[{"text":"So no.","start":362.59,"end":363.07,"sentiment":"neutral","sentiment_score":-0.09200125932693481},{"text":"It'll be paid direct to them.","start":363.07,"end":364.85,"sentiment":"neutral","sentiment_score":-0.032907228296001755},{"text":"We","start":365.07,"end":365.23,"sentiment":"neutral","sentiment_score":0.04666285961866379}],"sentiment":"neutral","sentiment_score":-0.037198114312357373,"channel":0,"num_words":9,"start":362.59,"end":365.23},{"sentences":[{"text":"Yep.","start":365.105,"end":365.605,"sentiment":"neutral","sentiment_score":0.08116377890110016}],"sentiment":"neutral","sentiment_score":0.08116377890110016,"channel":1,"num_words":1,"start":365.105,"end":365.605},{"sentences":[{"text":"can set it up as a direct debit to come out of your bank account or your credit card or however you would like","start":365.23,"end":373.3216,"sentiment":"neutral","sentiment_score":0.05595819419249892}],"sentiment":"neutral","sentiment_score":0.05595819419249892,"channel":0,"num_words":24,"start":365.23,"end":373.3216},{"sentences":[{"text":"Okay.","start":373.26,"end":373.76,"sentiment":"neutral","sentiment_score":0.03321179002523422}],"sentiment":"neutral","sentiment_score":0.03321179002523422,"channel":1,"num_words":1,"start":373.26,"end":373.76},{"sentences":[{"text":"to pay","start":373.3216,"end":374.1798,"sentiment":"neutral","sentiment_score":0.026333141140639782}],"sentiment":"neutral","sentiment_score":0.026333141140639782,"channel":0,"num_words":2,"start":373.3216,"end":374.1798},{"sentences":[{"text":"Alright.","start":373.98,"end":374.38,"sentiment":"neutral","sentiment_score":0.1280486285686493}],"sentiment":"neutral","sentiment_score":0.1280486285686493,"channel":1,"num_words":1,"start":373.98,"end":374.38},{"sentences":[{"text":"for","start":374.1798,"end":374.60892,"sentiment":"neutral","sentiment_score":0.1628035604953766}],"sentiment":"neutral","sentiment_score":0.1628035604953766,"channel":0,"num_words":1,"start":374.1798,"end":374.60892},{"sentences":[{"text":"Cool.","start":374.38,"end":374.88,"sentiment":"neutral","sentiment_score":0.22628335654735565}],"sentiment":"neutral","sentiment_score":0.22628335654735565,"channel":1,"num_words":1,"start":374.38,"end":374.88},{"sentences":[{"text":"that at","start":374.60892,"end":375.46713,"sentiment":"neutral","sentiment_score":0.13498125225305557}],"sentiment":"neutral","sentiment_score":0.13498125225305557,"channel":0,"num_words":2,"start":374.60892,"end":375.46713},{"sentences":[{"text":"Alright.","start":375.1,"end":375.42,"sentiment":"neutral","sentiment_score":0.16333048045635223},{"text":"I","start":375.42,"end":375.5,"sentiment":"neutral","sentiment_score":0.10719974339008333}],"sentiment":"neutral","sentiment_score":0.13526511192321777,"channel":1,"num_words":2,"start":375.1,"end":375.5},{"sentences":[{"text":"the","start":375.46713,"end":375.89624,"sentiment":"neutral","sentiment_score":0.0992189198732376}],"sentiment":"neutral","sentiment_score":0.0992189198732376,"channel":0,"num_words":1,"start":375.46713,"end":375.89624},{"sentences":[{"text":"think","start":375.5,"end":375.9,"sentiment":"neutral","sentiment_score":0.10003349184989928}],"sentiment":"neutral","sentiment_score":0.10003349184989928,"channel":1,"num_words":1,"start":375.5,"end":375.9},{"sentences":[{"text":"time","start":375.89624,"end":376.32535,"sentiment":"neutral","sentiment_score":0.10394555330276488}],"sentiment":"neutral","sentiment_score":0.10394555330276488,"channel":0,"num_words":1,"start":375.89624,"end":376.32535},{"sentences":[{"text":"I'm I think","start":375.9,"end":376.46,"sentiment":"neutral","sentiment_score":0.0796164721250534}],"sentiment":"neutral","sentiment_score":0.0796164721250534,"channel":1,"num_words":3,"start":375.9,"end":376.46},{"sentences":[{"text":"of","start":376.32535,"end":376.75446,"sentiment":"neutral","sentiment_score":0.06597519665956497}],"sentiment":"neutral","sentiment_score":0.06597519665956497,"channel":0,"num_words":1,"start":376.32535,"end":376.75446},{"sentences":[{"text":"I'm comfortable","start":376.46,"end":377.18,"sentiment":"neutral","sentiment_score":0.07557205110788345}],"sentiment":"neutral","sentiment_score":0.07557205110788345,"channel":1,"num_words":2,"start":376.46,"end":377.18},{"sentences":[{"text":"application.","start":376.75446,"end":377.18356,"sentiment":"neutral","sentiment_score":0.11573484539985655}],"sentiment":"neutral","sentiment_score":0.11573484539985655,"channel":0,"num_words":1,"start":376.75446,"end":377.18356},{"sentences":[{"text":"with","start":377.18,"end":377.34,"sentiment":"neutral","sentiment_score":0.04131040722131729}],"sentiment":"neutral","sentiment_score":0.04131040722131729,"channel":1,"num_words":1,"start":377.18,"end":377.34},{"sentences":[{"text":"Yeah.","start":377.18356,"end":377.61267,"sentiment":"neutral","sentiment_score":0.05254126340150833}],"sentiment":"neutral","sentiment_score":0.05254126340150833,"channel":0,"num_words":1,"start":377.18356,"end":377.61267},{"sentences":[{"text":"that.","start":377.34,"end":377.58002,"sentiment":"neutral","sentiment_score":0.051263228058815},{"text":"I","start":377.58002,"end":377.74,"sentiment":"neutral","sentiment_score":0.04935746267437935}],"sentiment":"neutral","sentiment_score":0.050310345366597176,"channel":1,"num_words":2,"start":377.34,"end":377.74},{"sentences":[{"text":"Yeah.","start":377.61267,"end":378.04178,"sentiment":"neutral","sentiment_score":0.05967186763882637}],"sentiment":"neutral","sentiment_score":0.05967186763882637,"channel":0,"num_words":1,"start":377.61267,"end":378.04178},{"sentences":[{"text":"would","start":377.74,"end":378.06,"sentiment":"neutral","sentiment_score":0.046826913952827454}],"sentiment":"neutral","sentiment_score":0.046826913952827454,"channel":1,"num_words":1,"start":377.74,"end":378.06},{"sentences":[{"text":"Okay.","start":378.04178,"end":378.4709,"sentiment":"neutral","sentiment_score":0.04962761700153351}],"sentiment":"neutral","sentiment_score":0.04962761700153351,"channel":0,"num_words":1,"start":378.04178,"end":378.4709},{"sentences":[{"text":"rather","start":378.06,"end":378.56,"sentiment":"neutral","sentiment_score":0.030407797545194622}],"sentiment":"neutral","sentiment_score":0.030407797545194622,"channel":1,"num_words":1,"start":378.06,"end":378.56},{"sentences":[{"text":"Yep.","start":378.4709,"end":378.9,"sentiment":"neutral","sentiment_score":0.04994780570268631}],"sentiment":"neutral","sentiment_score":0.04994780570268631,"channel":0,"num_words":1,"start":378.4709,"end":378.9},{"sentences":[{"text":"have the that level of coverage.","start":378.7,"end":380.72,"sentiment":"neutral","sentiment_score":0.060528289526700974}],"sentiment":"neutral","sentiment_score":0.060528289526700974,"channel":1,"num_words":6,"start":378.7,"end":380.72},{"sentences":[{"text":"Yeah.","start":381.46,"end":381.96,"sentiment":"neutral","sentiment_score":0.02361936867237091}],"sentiment":"neutral","sentiment_score":0.02361936867237091,"channel":0,"num_words":1,"start":381.46,"end":381.96},{"sentences":[{"text":"You know, God forbid I ever actually have to make a claim on this, but","start":381.9,"end":385.825,"sentiment":"neutral","sentiment_score":-0.03222572753826777}],"sentiment":"neutral","sentiment_score":-0.03222572753826777,"channel":1,"num_words":15,"start":381.9,"end":385.825},{"sentences":[{"text":"Absolutely.","start":385.94,"end":386.44,"sentiment":"neutral","sentiment_score":0.07561512291431427}],"sentiment":"neutral","sentiment_score":0.07561512291431427,"channel":0,"num_words":1,"start":385.94,"end":386.44},{"sentences":[{"text":"if I do, I do","start":386.045,"end":387.265,"sentiment":"neutral","sentiment_score":0.04363598525524139}],"sentiment":"neutral","sentiment_score":0.04363598525524139,"channel":1,"num_words":5,"start":386.045,"end":387.265},{"sentences":[{"text":"Yeah.","start":387.53998,"end":388.03998,"sentiment":"neutral","sentiment_score":0.021231865510344505},{"text":"No.","start":388.1,"end":388.5,"sentiment":"neutral","sentiment_score":-0.10950670391321182},{"text":"Completely understandable.","start":388.5,"end":389.63998,"sentiment":"neutral","sentiment_score":-0.1146245077252388},{"text":"And, look, this is gonna be reviewed","start":389.69998,"end":391.22,"sentiment":"neutral","sentiment_score":-0.015265659562179021}],"sentiment":"neutral","sentiment_score":-0.03858031552623619,"channel":0,"num_words":11,"start":387.53998,"end":391.22},{"sentences":[{"text":"yeah.","start":390.935,"end":391.435,"sentiment":"neutral","sentiment_score":0.025126755237579346}],"sentiment":"neutral","sentiment_score":0.025126755237579346,"channel":1,"num_words":1,"start":390.935,"end":391.435},{"sentences":[{"text":"with you every year when we do things anyway.","start":391.22,"end":393.22,"sentiment":"neutral","sentiment_score":0.04199676546785566},{"text":"So we'll go through a review.","start":393.22,"end":394.57498,"sentiment":"neutral","sentiment_score":0.04261365866598984},{"text":"We'll look at your super, look at how things are working for you.","start":394.57498,"end":397.055,"sentiment":"neutral","sentiment_score":0.13868796825408936},{"text":"Look at the insurance coverage.","start":397.055,"end":398.41498,"sentiment":"neutral","sentiment_score":0.04613339975476265},{"text":"The idea is we start with a higher level of cover now as your super balance grows, as your, you know, your mortgage decreases, as you don't need so much cover, we can start to reduce the level of cover that you have.","start":398.41498,"end":410.07,"sentiment":"neutral","sentiment_score":0.08139354402069436}],"sentiment":"neutral","sentiment_score":0.0811471818443878,"channel":0,"num_words":76,"start":391.22,"end":410.07},{"sentences":[{"text":"That's essentially the ultimate goal.","start":410.07,"end":411.75,"sentiment":"neutral","sentiment_score":0.2988139271736145},{"text":"So by the time you retire, it's lovely super balance, hopefully, no debt, and don't need to be insured with any insurance covered there.","start":411.75,"end":419.35,"sentiment":"positive","sentiment_score":0.33756622051199275},{"text":"You'll be fully self insured as well.","start":419.35,"end":421.27,"sentiment":"neutral","sentiment_score":0.31735788498606},{"text":"So that's the","start":421.27,"end":422.48502,"sentiment":"neutral","sentiment_score":0.16488586366176605}],"sentiment":"neutral","sentiment_score":0.31568773625752866,"channel":0,"num_words":39,"start":410.07,"end":422.48502},{"sentences":[{"text":"Alright.","start":422.335,"end":422.835,"sentiment":"neutral","sentiment_score":0.15768557786941528}],"sentiment":"neutral","sentiment_score":0.15768557786941528,"channel":1,"num_words":1,"start":422.335,"end":422.835},{"sentences":[{"text":"ultimate goal with how we sort of want it to work, and we'll review it with you because these insurance premiums do get more expensive over time as you get older as the risk of you making a claim increases.","start":422.48502,"end":432.885,"sentiment":"neutral","sentiment_score":0.05573872015811503},{"text":"So we do wanna review that.","start":432.885,"end":434.245,"sentiment":"neutral","sentiment_score":0.018206573091447353},{"text":"Yeah.","start":434.245,"end":434.405,"sentiment":"neutral","sentiment_score":0.06522645056247711},{"text":"But, I mean, once we go to application space, if you're comfortable with that little bit of extra outside of super for, you know, the the bigger benefit there of having the own occupation, we'll happily organize that with you.","start":434.405,"end":445.27002,"sentiment":"neutral","sentiment_score":0.1745693704113364},{"text":"It's not a problem at all.","start":445.27002,"end":446.63,"sentiment":"neutral","sentiment_score":0.23992606500784555}],"sentiment":"neutral","sentiment_score":0.1164123215261967,"channel":0,"num_words":93,"start":422.48502,"end":446.63},{"sentences":[{"text":"Okay?","start":446.63,"end":447.13,"sentiment":"neutral","sentiment_score":0.13936364650726318}],"sentiment":"neutral","sentiment_score":0.13936364650726318,"channel":0,"num_words":1,"start":446.63,"end":447.13},{"sentences":[{"text":"Yeah.","start":446.905,"end":447.385,"sentiment":"neutral","sentiment_score":0.28526753187179565},{"text":"I I think for roughly a dollar a day, I'm pretty happy with that.","start":447.385,"end":450.60498,"sentiment":"positive","sentiment_score":0.5114285711731229}],"sentiment":"positive","sentiment_score":0.49635116855303446,"channel":1,"num_words":15,"start":446.905,"end":450.60498},{"sentences":[{"text":"Absolutely.","start":451.105,"end":451.605,"sentiment":"positive","sentiment_score":0.6515675783157349},{"text":"It's cheaper than a cup of coffee.","start":451.98502,"end":453.605,"sentiment":"positive","sentiment_score":0.564699092081615}],"sentiment":"positive","sentiment_score":0.5755576528608799,"channel":0,"num_words":8,"start":451.105,"end":453.605},{"sentences":[{"text":"It's way cheaper.","start":454.0,"end":455.3,"sentiment":"positive","sentiment_score":0.5453557272752126},{"text":"Awesome.","start":455.52,"end":456.02,"sentiment":"positive","sentiment_score":0.5789146423339844}],"sentiment":"positive","sentiment_score":0.5537454560399055,"channel":1,"num_words":4,"start":454.0,"end":456.02},{"sentences":[{"text":"Yeah.","start":455.905,"end":456.405,"sentiment":"neutral","sentiment_score":0.2779809236526489}],"sentiment":"neutral","sentiment_score":0.2779809236526489,"channel":0,"num_words":1,"start":455.905,"end":456.405},{"sentences":[{"text":"Alright.","start":456.08002,"end":456.56,"sentiment":"neutral","sentiment_score":0.31247687339782715},{"text":"Thank you very much","start":456.56,"end":457.44,"sentiment":"positive","sentiment_score":0.5517654418945312}],"sentiment":"positive","sentiment_score":0.5039077281951905,"channel":1,"num_words":5,"start":456.08002,"end":457.44},{"sentences":[{"text":"Easy.","start":457.345,"end":457.845,"sentiment":"positive","sentiment_score":0.4940210282802582}],"sentiment":"positive","sentiment_score":0.4940210282802582,"channel":0,"num_words":1,"start":457.345,"end":457.845},{"sentences":[{"text":"for giving me a call.","start":457.44,"end":458.5,"sentiment":"positive","sentiment_score":0.38836992979049684},{"text":"I","start":458.72,"end":458.96,"sentiment":"neutral","sentiment_score":0.2237791419029236}],"sentiment":"positive","sentiment_score":0.3609381318092346,"channel":1,"num_words":6,"start":457.44,"end":458.96},{"sentences":[{"text":"That's","start":458.785,"end":459.185,"sentiment":"neutral","sentiment_score":0.2580312490463257}],"sentiment":"neutral","sentiment_score":0.2580312490463257,"channel":0,"num_words":1,"start":458.785,"end":459.185},{"sentences":[{"text":"will","start":458.96,"end":459.46,"sentiment":"neutral","sentiment_score":0.2757423222064972}],"sentiment":"neutral","sentiment_score":0.2757423222064972,"channel":1,"num_words":1,"start":458.96,"end":459.46},{"sentences":[{"text":"not a problem.","start":459.185,"end":460.005,"sentiment":"neutral","sentiment_score":0.2911987106005351}],"sentiment":"neutral","sentiment_score":0.2911987106005351,"channel":0,"num_words":3,"start":459.185,"end":460.005},{"sentences":[{"text":"look to get that documentation signed and back to you as","start":459.68,"end":462.8,"sentiment":"neutral","sentiment_score":0.21973220868544144}],"sentiment":"neutral","sentiment_score":0.21973220868544144,"channel":1,"num_words":11,"start":459.68,"end":462.8},{"sentences":[{"text":"Yep.","start":462.76,"end":463.26,"sentiment":"neutral","sentiment_score":0.15752142667770386}],"sentiment":"neutral","sentiment_score":0.15752142667770386,"channel":0,"num_words":1,"start":462.76,"end":463.26},{"sentences":[{"text":"soon as I can.","start":462.8,"end":463.78,"sentiment":"neutral","sentiment_score":0.18012760207057}],"sentiment":"neutral","sentiment_score":0.18012760207057,"channel":1,"num_words":4,"start":462.8,"end":463.78},{"sentences":[{"text":"No worries at all.","start":464.04,"end":464.92,"sentiment":"neutral","sentiment_score":0.15426990762352943},{"text":"And just leave a little note for me on the very last page there.","start":464.92,"end":467.72,"sentiment":"neutral","sentiment_score":0.12749661185911723},{"text":"If there's no there's normally a section that has a text box, and you can kinda leave a note there.","start":467.72,"end":472.335,"sentiment":"neutral","sentiment_score":0.044404391944408414},{"text":"If it doesn't work in any way, shape, or form, just shoot me an email letting me to know the directions that you wanna take and any alterations.","start":472.57498,"end":480.675,"sentiment":"neutral","sentiment_score":0.10884257751916136},{"text":"And as long as I have it in writing, I can make it happen for you.","start":480.735,"end":483.775,"sentiment":"neutral","sentiment_score":0.2860017456114292}],"sentiment":"neutral","sentiment_score":0.13309439189913796,"channel":0,"num_words":82,"start":464.04,"end":483.775},{"sentences":[{"text":"Okay?","start":483.775,"end":484.275,"sentiment":"neutral","sentiment_score":0.07492038607597351}],"sentiment":"neutral","sentiment_score":0.07492038607597351,"channel":0,"num_words":1,"start":483.775,"end":484.275},{"sentences":[{"text":"Okay.","start":484.13,"end":484.63,"sentiment":"positive","sentiment_score":0.350868821144104},{"text":"Terrific.","start":484.77,"end":485.17,"sentiment":"positive","sentiment_score":0.8297324180603027},{"text":"Alright, Dana.","start":485.17,"end":485.73,"sentiment":"positive","sentiment_score":0.6865400075912476},{"text":"Thanks a lot.","start":485.73,"end":486.55,"sentiment":"positive","sentiment_score":0.8557320833206177}],"sentiment":"positive","sentiment_score":0.7315539291926793,"channel":1,"num_words":7,"start":484.13,"end":486.55},{"sentences":[{"text":"No worries, Ben.","start":486.75693,"end":487.63693,"sentiment":"positive","sentiment_score":0.5633006195227305},{"text":"Thanks for taking my call.","start":487.63693,"end":488.75693,"sentiment":"positive","sentiment_score":0.85492924451828},{"text":"Have a lovely evening.","start":488.75693,"end":489.97693,"sentiment":"positive","sentiment_score":0.7920164614915848}],"sentiment":"positive","sentiment_score":0.7610511605938276,"channel":0,"num_words":12,"start":486.75693,"end":489.97693},{"sentences":[{"text":"You too.","start":490.13,"end":490.69,"sentiment":"positive","sentiment_score":0.6352440118789673},{"text":"Bye.","start":490.69,"end":491.19,"sentiment":"positive","sentiment_score":0.441581666469574}],"sentiment":"positive","sentiment_score":0.5706898967425028,"channel":1,"num_words":3,"start":490.13,"end":491.19},{"sentences":[{"text":"Thanks.","start":491.15695,"end":491.55695,"sentiment":"positive","sentiment_score":0.71428382396698},{"text":"See you later.","start":491.55695,"end":492.37695,"sentiment":"neutral","sentiment_score":0.323262778421243}],"sentiment":"positive","sentiment_score":0.42101803980767727,"channel":0,"num_words":4,"start":491.15695,"end":492.37695}]},"summary":{"result":"success","short":"A representative from Okey Financial contacts a customer named Ben to discuss a workplace incident. The insurance company will assess Ben's employment history and determine whether he can continue working. The customer is concerned about being able to claim for work if they don't meet the criteria for a claim, but the agent explains that the claim is only accepted if the doctors sign off to never return to work again. The agent also explains that insurances cover the risk of something that could happen to the customer and that they can claim the full amount of the TBD policy directly to their insurance company. The customer is given a quote for coverage amount of $20.27 and 86 effort, and is offered a lower level of coverage to reduce their risk of a claim. The customer is instructed to email if there are any issues and is given instructions on signing and sending documentation."},"intents":{"segments":[{"text":"Just the afternoons are pretty busy this week. That's all.","start_word":35,"end_word":44,"intents":[{"intent":"Discuss workload","confidence_score":0.00057130225}]},{"text":"and then be told, well, you're not getting paid out because you can go and, you know, sit in front of a classroom or something like that. Yeah. Yeah.","start_word":131,"end_word":159,"intents":[{"intent":"Discuss benefits","confidence_score":0.02836473}]},{"text":"So I know you said we can do part of it outside of super, but Yep. does that mean that does that mean that I would only get a partial payout because only part No. of it's outside of super?","start_word":162,"end_word":201,"intents":[{"intent":"Inquire about pay outside of super","confidence_score":0.0035819977}]},{"text":"That is a good question, but, no, definitely not. So, essentially, paying part of it outside of soup still entitles you to the full claim. It just means that you're only paying a smaller amount out of your back pocket. But, like, you can still claim the full million dollars of TPD if anything happens.","start_word":202,"end_word":256,"intents":[{"intent":"Clarify tpd eligibility","confidence_score":0.002870782}]},{"text":"The way that sort of works is they do assess the inside of super portion first under the any occupation.","start_word":257,"end_word":276,"intents":[{"intent":"Assess inside of super portion","confidence_score":0.0038637805}]},{"text":"You're never gonna go back to work again, and you've got your your two doctors, one being a specialist saying you're not gonna be able to do your job again, the likelihood of you being able to stand up in front of a class or sit down in front of a class could be pretty minimal there as well.","start_word":297,"end_word":355,"intents":[{"intent":"Retire from job","confidence_score":7.4949986e-7}]},{"text":"So I've honestly not seen claims come back declined when the two doctors have provided all the documentation going, this client's never going back to work again.","start_word":355,"end_word":381,"intents":[{"intent":"Accept claim","confidence_score":0.56666917}]},{"text":"So I've honestly not seen claims come back declined when the two doctors have provided all the documentation going, this client's never going back to work again. Generally, Yep.","start_word":355,"end_word":383,"intents":[{"intent":"Evaluate doctor's documentation","confidence_score":0.000979815}]},{"text":"But, like, if you wanna take a little bit outside of super to give you access to their own occupation, if they assess you and you don't qualify under any occupation, then they go look at their own occupation, and paying a small amount outside sleep.","start_word":496,"end_word":541,"intents":[{"intent":"Apply for occupation","confidence_score":0.0014044369}]},{"text":"You're still accessing the full amount that you're eligible that you're covered for if you claim on that. Yeah.","start_word":561,"end_word":579,"intents":[{"intent":"Access full amount","confidence_score":0.37656903}]},{"text":"I think the biggest risk with insurances is that we pay all this money for the premiums, and then we never actually claim. And you've paid Yep. all the money for premiums. There's only a very small amount of people who actually do go through a claim, but insurances are about covering the risk of something that could possibly happen to you. So as long Yeah.","start_word":834,"end_word":899,"intents":[{"intent":"Educate on insurance benefits","confidence_score":0.000017172488}]},{"text":"So the inside super policy doesn't change in any way, shape, or form with that secondary quote. It's just adding a little bit of a premium out of pocket, and it's showing here that the out of pocket portion on a monthly basis is $20.27 dollars and 86<unk> on a monthly basis. So that 05/12 is about $334.32 per year.","start_word":1103,"end_word":1162,"intents":[{"intent":"Discuss premium","confidence_score":0.0018007199}]},{"text":"So the inside super policy doesn't change in any way, shape, or form with that secondary quote. It's just adding a little bit of a premium out of pocket, and it's showing here that the out of pocket portion on a monthly basis is $20.27 dollars and 86<unk> on a monthly basis. So that 05/12 is about $334.32 per year. Okay.","start_word":1103,"end_word":1163,"intents":[{"intent":"Provide insurance information","confidence_score":0.08187312}]},{"text":"It'll be paid direct to them. We Yep. can set it up as a direct debit to come out of your bank account or your credit card or however you would like Okay.","start_word":1202,"end_word":1234,"intents":[{"intent":"Verify payment method","confidence_score":0.017977789}]},{"text":"can set it up as a direct debit to come out of your bank account or your credit card or however you would like Okay.","start_word":1210,"end_word":1234,"intents":[{"intent":"Specify payment method","confidence_score":0.0021970111}]},{"text":"if I do, I do Yeah.","start_word":1286,"end_word":1291,"intents":[{"intent":"Confirm acceptance","confidence_score":0.0053260177}]},{"text":"And, look, this is gonna be reviewed yeah. with you every year when we do things anyway. So we'll go through a review.","start_word":1295,"end_word":1317,"intents":[{"intent":"Propose review","confidence_score":0.00011326596}]},{"text":"Look at the insurance coverage. The idea is we start with a higher level of cover now as your super balance grows, as your, you know, your mortgage decreases, as you don't need so much cover, we can start to reduce the level of cover that you have.","start_word":1331,"end_word":1378,"intents":[{"intent":"Manage insurance coverage","confidence_score":0.0016193674}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Ben. It's Dana from Okey Financial. How are you?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.24244335293769836},{"text":"Good. And yourself? I'm very well. Thank you.","start_word":11,"end_word":18,"sentiment":"positive","sentiment_score":0.6269448399543762},{"text":"Do you have some time now for a bit of a quick chat? I'm so sorry. Just the afternoons are pretty busy this week. That's all. Is now okay for you? Yeah. Yeah. That's fine. This must be pretty Yep. late for you. Oh, no. That's okay. I'm here for another sort of ten minutes, Yeah.","start_word":19,"end_word":74,"sentiment":"neutral","sentiment_score":-0.0018540003802627325},{"text":"so it's all good, honestly.","start_word":75,"end_word":79,"sentiment":"positive","sentiment_score":0.4460819661617279},{"text":"So I Yeah. guess my concern sort of comes about from, basically, I'm triple traded. So Yes. I'm a I'm an electrician, instrumentation tech, process operations technician, all of which Yes. can encompass all sorts of roles. So I would hate to, you know, have some kind of workplace incident Yes. and then be told, well, you're not getting paid out because you can go and, you know, sit in front of a classroom or something like that. Yeah. Yeah. Of course. So I know you said we can do part of it outside of super, but Yep. does that mean that does that mean that I would only get a partial payout because only part No. of it's outside of super? That is a good question, but, no, definitely not. So, essentially, paying part of it outside of soup still entitles you to the full claim. It just means that you're only paying a smaller amount out of your back pocket. But, like, you can still claim the full million dollars of TPD if anything happens. The way that sort of works is they do assess the inside of super portion first under the any occupation. And, look, what they're gonna look for is it's essentially, if the doctor signs off to say that, hey.","start_word":80,"end_word":295,"sentiment":"neutral","sentiment_score":-0.04712215065956116},{"text":"You're never gonna go back to work again, and you've got your your two doctors, one being a specialist saying you're not gonna be able to do your job again, the likelihood of you being able to stand up in front of a class or sit down in front of a class could be pretty minimal there as well. So I've honestly not seen claims come back declined when the two doctors have provided all the documentation going, this client's never going back to work again.","start_word":296,"end_word":381,"sentiment":"negative","sentiment_score":-0.3651813268661499},{"text":"Generally, Yep.","start_word":382,"end_word":383,"sentiment":"neutral","sentiment_score":0.16731411218643188},{"text":"the assessment team will just approve it.","start_word":384,"end_word":390,"sentiment":"positive","sentiment_score":0.35595831274986267},{"text":"There won't be any problem there. It's more just coming down to what your doctors will sign off on, and it is harder when you're younger to get doctors to sign off. They may go, hey. Look. You can probably do a bit of teaching, or you might be able to work in a call center. But when it comes to the claim, if the doctors the two doctors sign off to say you're never going back to work again, generally, the claim is just accepted because they go on medical reports and what doctors are saying you can and can't do for work. Yeah. But, like, if you wanna take a little bit outside of super to give you access to their own occupation, if they assess you and you don't qualify under any occupation, then they go look at their own occupation, and paying a small amount outside sleep. It's more just about making it more cost effective for you, and you can still claim the full amount. You're still accessing the full amount that you're eligible that you're covered for if you claim on that. Yeah. Okay. So Yeah. alright. It sound like Yeah. I might be getting a little confused to you then or Yeah. That's okay. because it it sort of comes down like you've just said, it basically comes down to what the doctor says. So Absolutely. if yeah. My like I said, my only concern is if I can't go back to my job, Yeah. I sorta don't wanna be forced into or if I can't go back to my job, I expect to be paid out is Yeah. is Absolutely. actually my my view Yeah. on it. Yeah. So in that situation, that's a that is a matter of having the own occupation outside of Super Isn't it? Yeah. That would be the best way. If you're sort of wanting to cover yourself in that instance and just cover yourself for the own occupation, As long as you're comfortable with doing so, you can absolutely take that option.","start_word":391,"end_word":736,"sentiment":"neutral","sentiment_score":0.0030023622719538693},{"text":"It's just the out of pocket policy that comes with the secondary quote that I sent you.","start_word":737,"end_word":753,"sentiment":"positive","sentiment_score":0.33758196234703064},{"text":"If that's what you kind of wanna go ahead with, I'll just on the last page of the document get you to write there that you wanna take the second quote having the out of pocket portion of the TBD policy. And when it comes back to me, I will make sure that's all sort of ready for you for when we go to application stage. Yeah. But, yeah, honestly, it's completely up to you and what you're comfortable with. I think the biggest risk with insurances is that we pay all this money for the premiums, and then we never actually claim. And you've paid Yep. all the money for premiums. There's only a very small amount of people who actually do go through a claim, but insurances are about covering the risk of something that could possibly happen to you. So as long Yeah.","start_word":754,"end_word":899,"sentiment":"neutral","sentiment_score":0.028392493724823},{"text":"as you're comfortable having a little bit of TBD out of pocket, that's absolutely fine.","start_word":900,"end_word":914,"sentiment":"positive","sentiment_score":0.3944824934005738},{"text":"The cost is pretty minimal.","start_word":915,"end_word":919,"sentiment":"neutral","sentiment_score":0.30444177985191345},{"text":"Like, when I looked at the quote, it was actually quite cheap to have that little bit paid out of your back pocket on a a monthly or on a regular basis to give you that own occupation definition. And as I mentioned, you can claim the full amount of TBD. It's absolutely fine.","start_word":920,"end_word":973,"sentiment":"positive","sentiment_score":0.3617932200431824},{"text":"Okay. Can you sorry. Can you remember off the top of your head how much it was out of pocket? Yeah. I can Yep. bring it up for you. Yeah.","start_word":974,"end_word":1003,"sentiment":"neutral","sentiment_score":0.0032509177923202514},{"text":"Not a problem at all. I actually have it all here for you.","start_word":1004,"end_word":1016,"sentiment":"positive","sentiment_score":0.4213668704032898},{"text":"Sorry. I hope it's okay. I'll give you a call. I thought I've got the email, and I thought I've got some time. Let's call you now and go through your questions to make it a bit easier on you. Yeah. No. I've Let's got have time. a look. I'm at I'm at work at the moment staring at the side of a Yeah.","start_word":1017,"end_word":1080,"sentiment":"neutral","sentiment_score":0.16760437190532684},{"text":"great big oil tanker.","start_word":1081,"end_word":1084,"sentiment":"positive","sentiment_score":0.4381152987480163},{"text":"So I've got the ascended quote here.","start_word":1085,"end_word":1091,"sentiment":"neutral","sentiment_score":0.26491445302963257},{"text":"Perfect.","start_word":1092,"end_word":1092,"sentiment":"positive","sentiment_score":0.4820595979690552},{"text":"Sorry. Just opening it up. Won't be a second. Okay. So the inside super policy doesn't change in any way, shape, or form with that secondary quote. It's just adding a little bit of a premium out of pocket, and it's showing here that the out of pocket portion on a monthly basis is $20.27 dollars and 86<unk> on a monthly basis. So that 05/12 is about $334.32 per year. Okay. And would that come out of my that would be taken out of my my we have what do I need to pay that direct to them or does it get taken out of my pay? So no. It'll be paid direct to them. We Yep. can set it up as a direct debit to come out of your bank account or your credit card or however you would like Okay. to pay Alright. for Cool. that at Alright. I the think time I'm I think of I'm comfortable application. with Yeah. that. I Yeah. would Okay. rather Yep. have the that level of coverage. Yeah. You know, God forbid I ever actually have to make a claim on this, but Absolutely. if I do, I do Yeah. No. Completely understandable. And, look, this is gonna be reviewed yeah. with you every year when we do things anyway. So we'll go through a review. We'll look at your super, look at how things are working for you. Look at the insurance coverage. The idea is we start with a higher level of cover now as your super balance grows, as your, you know, your mortgage decreases, as you don't need so much cover, we can start to reduce the level of cover that you have. That's essentially the ultimate goal.","start_word":1093,"end_word":1383,"sentiment":"neutral","sentiment_score":0.04305890004096162},{"text":"So by the time you retire, it's lovely super balance, hopefully, no debt, and don't need to be insured with any insurance covered there.","start_word":1384,"end_word":1407,"sentiment":"positive","sentiment_score":0.3439495861530304},{"text":"You'll be fully self insured as well. So that's the Alright. ultimate goal with how we sort of want it to work, and we'll review it with you because these insurance premiums do get more expensive over time as you get older as the risk of you making a claim increases. So we do wanna review that. Yeah. But, I mean, once we go to application space, if you're comfortable with that little bit of extra outside of super for, you know, the the bigger benefit there of having the own occupation, we'll happily organize that with you. It's not a problem at all. Okay? Yeah.","start_word":1408,"end_word":1513,"sentiment":"neutral","sentiment_score":0.13884633779525757},{"text":"I I think for roughly a dollar a day, I'm pretty happy with that. Absolutely. It's cheaper than a cup of coffee. It's way cheaper. Awesome.","start_word":1514,"end_word":1539,"sentiment":"positive","sentiment_score":0.5466723442077637},{"text":"Yeah. Alright.","start_word":1540,"end_word":1541,"sentiment":"neutral","sentiment_score":0.2986784875392914},{"text":"Thank you very much Easy. for giving me a call.","start_word":1542,"end_word":1551,"sentiment":"positive","sentiment_score":0.444975346326828},{"text":"I That's will not a problem. look to get that documentation signed and back to you as Yep. soon as I can. No worries at all. And just leave a little note for me on the very last page there. If there's no there's normally a section that has a text box, and you can kinda leave a note there. If it doesn't work in any way, shape, or form, just shoot me an email letting me to know the directions that you wanna take and any alterations. And as long as I have it in writing, I can make it happen for you. Okay?","start_word":1552,"end_word":1656,"sentiment":"neutral","sentiment_score":0.14476677775382996},{"text":"Okay. Terrific. Alright, Dana. Thanks a lot. No worries, Ben. Thanks for taking my call. Have a lovely evening. You too. Bye. Thanks. See you later.","start_word":1657,"end_word":1682,"sentiment":"positive","sentiment_score":0.6947711110115051}],"average":{"sentiment":"neutral","sentiment_score":0.07656418087185995}}}}