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It doesn't stop, but that's okay. It's what we love why we love doing what we do. Now I have been reviewing or rereviewing your account and re going over the pedia or the product disclosure statement for your policy. And there's a couple of adjustments we need to make to the plan. Nothing major in terms of outcome, just delaying things a little bit to how we're gonna do it. I'd missed one of the sections in the PDF when I reviewed it for the like, the first time with respect to the account requirements while a defined benefit but a defined benefit does mean that, you know, there's a benefit that's being specifically set aside and it's employment linked. It's an older style account, basically. It yours specifically has a employment lock to it, so it doesn't unlock until after you finish working even though you meet the age requirement. And some of them do have that link. Didn't originally think that yours did have that connection, but upon rereviewing it, it does. So it does has a little bit of a a limitation to it, but it's not gonna stop us from doing what we wanna do in the long term. It's just a little bit of a halt in the short term, so to speak. At the moment, I'm trying to piece it together a little bit more to make sure that I have a flow for you and then just redocument it so that way you have it all in writing and we can talk through it all. I've read the PDF twice to make sure that I haven't missed anything. I have a meeting on Thursday with one of the defined benefit specialists in equip super just to make sure that I am across it because I don't wanna make sure that I haven't missed anything again. And and and then I'm gonna redocument everything, and we can have a chat. But, realistically, it it from what I have every like, from what I have at the moment, it shouldn't stop us from doing everything. It's just gonna delay us until you stop working, which is not that far away. Mhmm. That's the part that I don't know, and that's why I have my meeting on Thursday. Yep. Possibly. And that's that's what I'm sort of trying to figure out and so I can get my timeline in effect and then redo what it looks like, make sure that we're good, and go from there. Like, it it does change things a little bit, but it's not like, it's still the same direction as to cash flow, still the same direction as to what we want in an outcome. It's just, I guess, the order of or sequence of events that we're gonna hit. Yes. Yeah. No. No. It can be done. Like, you have the million dollars. It's not missing. It's not anywhere. It's there. It's just so back I'm gonna say it's probably twenty, thirty years, even longer. Defined benefits, endowment funds, their their their whole of life policies were a massive push in the market. And they all fall under a slightly different regulation, and they are employer locked. You leave the employer. It's still a defined benefit. It has rules and regulations, but it's locked under different legislation to what our superannuation funds are connected to now. So you have because yeah. Exactly. It's not my first rodeo with defined benefits, but they're all different. Yeah. Yes. Yes. You can you can email them back. It will have to come from you, and you can just say, at this time, please please disregard the rollover as I'm seeking further advice and just just send that to them. They'll cancel the rollover. They'll stop contacting you at the moment. We could just restart it again, and I can reissue it when I get my timeline happening and just recheck with that that specialist. Because I just all of the products differ from that age. And so there's sometimes they have, like, this little nuance to them, and I wanna make sure that I'm not missing anything. I'm not canceling anything out originally. Like, I I don't believe I am, but still wanna double check. At this point, triple check. Yeah. But you've got the money. It's it's it's there. It's accessible to you. You theoretically, I could just we could just push it and say, yeah. Cool. Roll it all over, but I just wanna reconfirm. Crossed. Yep. Yeah. Yep. Yep. Amazing. And then I I should have an answer for you by mid next week after my meeting on Thursday. This Thursday, two day time. And, yeah, I'll I'll redraw up sequence of events, document it, email through. We'll meet, talk, go from there. Cool. Amazing. Otherwise, you're just keeping yourself busy and slowly looking forward to retirement. Oh, I know. Trust me. The year is rolling through. My my eldest, he's 13. He just he just turned around and told me that his birthday's in ten days this morning. He's like, don't forget. I'm a teenager in ten days. I was like, that's very nice for you. Oh my god. Where's my life gone? Yep. Oh, I swear they get faster and faster. No. Will do. Thanks, David. Have a good one. 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Steven. Larissa. How are you going? Yeah. Not bad.\n\nWill be nice when the week's over, but, that's okay. Just been a long one. That's Tuesday already. Oh, I know. It doesn't stop, but that's okay.\n\nIt's what we love why we love doing what we do. Now I have been reviewing or rereviewing your account and re going over the pedia or the product disclosure statement for your policy. And there's a couple of adjustments we need to make to the plan. Nothing major in terms of outcome, just delaying things a little bit to how we're gonna do it. I'd missed one of the sections in the PDF when I reviewed it for the like, the first time with respect to the account requirements while a defined benefit but a defined benefit does mean that, you know, there's a benefit that's being specifically set aside and it's employment linked.\n\nIt's an older style account, basically. It yours specifically has a employment lock to it, so it doesn't unlock until after you finish working even though you meet the age requirement. And some of them do have that link. Didn't originally think that yours did have that connection, but upon rereviewing it, it does. So it does has a little bit of a a limitation to it, but it's not gonna stop us from doing what we wanna do in the long term.\n\nIt's just a little bit of a halt in the short term, so to speak. At the moment, I'm trying to piece it together a little bit more to make sure that I have a flow for you and then just redocument it so that way you have it all in writing and we can talk through it all. I've read the PDF twice to make sure that I haven't missed anything. I have a meeting on Thursday with one of the defined benefit specialists in equip super just to make sure that I am across it because I don't wanna make sure that I haven't missed anything again. And and and then I'm gonna redocument everything, and we can have a chat.\n\nBut, realistically, it it from what I have every like, from what I have at the moment, it shouldn't stop us from doing everything. It's just gonna delay us until you stop working, which is not that far away. Mhmm. That's the part that I don't know, and that's why I have my meeting on Thursday. Yep.\n\nPossibly. And that's that's what I'm sort of trying to figure out and so I can get my timeline in effect and then redo what it looks like, make sure that we're good, and go from there. Like, it it does change things a little bit, but it's not like, it's still the same direction as to cash flow, still the same direction as to what we want in an outcome. It's just, I guess, the order of or sequence of events that we're gonna hit. Yes.\n\nYeah. No. No. It can be done. Like, you have the million dollars.\n\nIt's not missing. It's not anywhere. It's there. It's just so back I'm gonna say it's probably twenty, thirty years, even longer. Defined benefits, endowment funds, their their their whole of life policies were a massive push in the market.\n\nAnd they all fall under a slightly different regulation, and they are employer locked. You leave the employer. It's still a defined benefit. It has rules and regulations, but it's locked under different legislation to what our superannuation funds are connected to now. So you have because yeah.\n\nExactly. It's not my first rodeo with defined benefits, but they're all different. Yeah. Yes. Yes.\n\nYou can you can email them back. It will have to come from you, and you can just say, at this time, please please disregard the rollover as I'm seeking further advice and just just send that to them. They'll cancel the rollover. They'll stop contacting you at the moment. We could just restart it again, and I can reissue it when I get my timeline happening and just recheck with that that specialist.\n\nBecause I just all of the products differ from that age. And so there's sometimes they have, like, this little nuance to them, and I wanna make sure that I'm not missing anything. I'm not canceling anything out originally. Like, I I don't believe I am, but still wanna double check. At this point, triple check.\n\nYeah. But you've got the money. It's it's it's there. It's accessible to you. You theoretically, I could just we could just push it and say, yeah.\n\nCool. Roll it all over, but I just wanna reconfirm. Crossed. Yep. Yeah.\n\nYep. Yep. Amazing. And then I I should have an answer for you by mid next week after my meeting on Thursday. This Thursday, two day time.\n\nAnd, yeah, I'll I'll redraw up sequence of events, document it, email through. We'll meet, talk, go from there. Cool. Amazing. Otherwise, you're just keeping yourself busy and slowly looking forward to retirement.\n\nOh, I know. Trust me. The year is rolling through. My my eldest, he's 13. He just he just turned around and told me that his birthday's in ten days this morning.\n\nHe's like, don't forget. I'm a teenager in ten days. I was like, that's very nice for you. Oh my god. Where's my life gone?\n\nYep. Oh, I swear they get faster and faster. No. Will do. Thanks, David.\n\nHave a good one. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Steven.","start":2.3999999,"end":3.12,"sentiment":"neutral","sentiment_score":0.2940453886985779},{"text":"Larissa.","start":3.12,"end":3.52,"sentiment":"neutral","sentiment_score":0.295894056558609},{"text":"How are you going?","start":3.52,"end":4.34,"sentiment":"positive","sentiment_score":0.41848841309547424},{"text":"Yeah.","start":5.7599998,"end":6.24,"sentiment":"neutral","sentiment_score":0.2739983797073364},{"text":"Not bad.","start":6.24,"end":7.06,"sentiment":"neutral","sentiment_score":0.2872517481446266}],"sentiment":"positive","sentiment_score":0.34064403623342515,"num_words":10,"start":2.3999999,"end":7.06},{"sentences":[{"text":"Will be nice when the week's over, but, that's okay.","start":8.48,"end":11.2,"sentiment":"positive","sentiment_score":0.33974460810422896},{"text":"Just been a long one.","start":11.2,"end":12.08,"sentiment":"neutral","sentiment_score":0.03369065523147583},{"text":"That's Tuesday 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outcome.","start":207.27,"end":214.915,"sentiment":"neutral","sentiment_score":-0.008692345965434523},{"text":"It's just, I guess, the order of or sequence of events that we're gonna hit.","start":215.775,"end":219.795,"sentiment":"neutral","sentiment_score":0.0004786750922600426},{"text":"Yes.","start":234.81,"end":235.31,"sentiment":"neutral","sentiment_score":-0.003763908520340919}],"sentiment":"neutral","sentiment_score":0.03492689976233176,"num_words":87,"start":196.365,"end":235.31},{"sentences":[{"text":"Yeah.","start":243.625,"end":244.025,"sentiment":"neutral","sentiment_score":-0.06971749663352966},{"text":"No.","start":244.025,"end":244.185,"sentiment":"neutral","sentiment_score":-0.2570579946041107},{"text":"No.","start":244.185,"end":244.425,"sentiment":"neutral","sentiment_score":-0.2942737340927124},{"text":"It can be done.","start":244.425,"end":245.065,"sentiment":"neutral","sentiment_score":-0.2872052937746048},{"text":"Like, you have the million dollars.","start":245.065,"end":247.625,"sentiment":"neutral","sentiment_score":-0.10788631315032642}],"sentiment":"neutral","sentiment_score":-0.18593755994851774,"num_words":13,"start":243.625,"end":247.625},{"sentences":[{"text":"It's not missing.","start":247.625,"end":248.825,"sentiment":"neutral","sentiment_score":-0.18864202499389648},{"text":"It's not anywhere.","start":248.825,"end":249.885,"sentiment":"neutral","sentiment_score":-0.28847166895866394},{"text":"It's there.","start":250.025,"end":250.845,"sentiment":"neutral","sentiment_score":-0.14909379184246063},{"text":"It's just so back I'm gonna say it's probably twenty, thirty years, even longer.","start":251.85,"end":261.15,"sentiment":"neutral","sentiment_score":-0.05085153478596892},{"text":"Defined benefits, endowment funds, their their their whole of life policies were a massive push in the market.","start":262.49,"end":270.785,"sentiment":"neutral","sentiment_score":0.04198639695015219}],"sentiment":"neutral","sentiment_score":-0.0421423751860857,"num_words":40,"start":247.625,"end":270.785},{"sentences":[{"text":"And they all fall under a slightly different regulation, and they are employer locked.","start":271.805,"end":277.65,"sentiment":"neutral","sentiment_score":-0.09435727074742317},{"text":"You leave the employer.","start":277.72998,"end":278.79,"sentiment":"neutral","sentiment_score":-0.08050424233078957},{"text":"It's still a defined benefit.","start":279.00998,"end":280.37,"sentiment":"neutral","sentiment_score":-0.041580738872289656},{"text":"It has rules and regulations, but it's locked under different legislation to what our superannuation funds are connected to now.","start":280.37,"end":288.78998,"sentiment":"neutral","sentiment_score":-0.06789905186742544},{"text":"So you have because yeah.","start":289.25,"end":300.125,"sentiment":"neutral","sentiment_score":-0.10718738287687302}],"sentiment":"neutral","sentiment_score":-0.0780175084558626,"num_words":48,"start":271.805,"end":300.125},{"sentences":[{"text":"Exactly.","start":300.125,"end":300.625,"sentiment":"neutral","sentiment_score":-0.005637637339532375},{"text":"It's not my first rodeo with defined benefits, but they're all different.","start":301.405,"end":304.70502,"sentiment":"neutral","sentiment_score":-0.0963572741796573},{"text":"Yeah.","start":305.645,"end":306.145,"sentiment":"neutral","sentiment_score":-0.030492758378386497},{"text":"Yes.","start":325.195,"end":325.695,"sentiment":"neutral","sentiment_score":-0.07013653218746185},{"text":"Yes.","start":327.195,"end":327.695,"sentiment":"neutral","sentiment_score":-0.11774609237909316}],"sentiment":"neutral","sentiment_score":-0.0862687694025226,"num_words":16,"start":300.125,"end":327.695},{"sentences":[{"text":"You can you can email them back.","start":337.78998,"end":339.88998,"sentiment":"neutral","sentiment_score":-0.09582126566341945},{"text":"It will have to come from you, and you can just say, at this time, please please disregard the rollover as I'm seeking further advice and just just send that to them.","start":340.43,"end":351.615,"sentiment":"neutral","sentiment_score":-0.29820347507484257},{"text":"They'll cancel the rollover.","start":351.69498,"end":352.815,"sentiment":"negative","sentiment_score":-0.4663305729627609},{"text":"They'll stop contacting you at the moment.","start":352.815,"end":354.095,"sentiment":"negative","sentiment_score":-0.3840638058526175},{"text":"We could just restart it again, and I can reissue it when I get my timeline happening and just recheck with that that 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check.","start":383.895,"end":385.355,"sentiment":"neutral","sentiment_score":0.04855219013988972}],"sentiment":"neutral","sentiment_score":-0.05051589316488909,"num_words":56,"start":362.255,"end":385.355},{"sentences":[{"text":"Yeah.","start":388.935,"end":389.175,"sentiment":"neutral","sentiment_score":0.06413334608078003},{"text":"But you've got the money.","start":389.175,"end":390.45502,"sentiment":"neutral","sentiment_score":0.08580554872751237},{"text":"It's it's it's there.","start":390.45502,"end":391.655,"sentiment":"neutral","sentiment_score":0.11084557697176933},{"text":"It's accessible to you.","start":391.655,"end":392.91,"sentiment":"neutral","sentiment_score":0.10899076610803604},{"text":"You theoretically, I could just we could just push it and say, 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Yourself? Not bad. Yeah. Yeah. Bought that everywhere. Alright. So what does it mean to unlock that or do what do we do about that? So when you well alright. So when I say stop working, does that mean after I finished my my long service? Okay. Alright. So so so we go to plan, so I say, yeah, March next, you know, taking my now eight months long service. So I take eight months long service. I could take that and I still get through, get paid, never will get continues on until I stop working. So, technically, we're looking towards the end of next year. Yeah. Okay. Yeah. So look, I know in the past, in the last, like, two years, other guys would have been on the same structure as I was because I they started just a little bit before me at BSC. They would have been under the same predicament, I would say. So obviously, I never retired. Used to super retired. So obviously, that must be able to be done. Yep. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yeah. So you got we so, yeah, we we we we we when we change regulations, we won't change the old defined benefits. So we'll just let them roll over and make things harder for everyone. Yeah. Anyway yeah. Because I just I the reason why I was saying the reason why I rang sorry. The reason why I rang is I've got an email from the quick sign to follow-up on this. They want me to so I feel well. See with you guys, what do I got in? The equipment administration. What did I say? Yeah. Because they sent me an email. What that I recently passed on to you saying, look, I've only got so much in there to transfer. So I would've I haven't done nothing with this. They've already sent us out where we are. We you wanna, yeah, sort of continue on with this. So I thought to see where you guys are at with it before I even try and contact them. Yep. Yep. Yep. Yep. Yep. Fair enough. That's fair enough. Yep. Yep. Fair enough. Okay. K. Yeah. That's fair enough. Make sure I've been speaking to this. Got it. No. I get all that. Yeah. Yeah. That's fair enough. Yeah. So I was sending him an email saying just cancel the original request. It's a week for an investigator. K. Well, cool. No problem. Yep. Yep. Oh, sounds good. Alright. Absolutely. I'm gonna say slowly. Yeah. Things are becoming quicker and quicker this month. Yeah. Yep. It's certainly moving on this year, I'd say. It's it's getting quicker and quicker. Alright. I've got a fly site. Thanks for that. And I'll hear from you next week. Okay. Alright. You too. 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Yourself? Not bad. Yeah. Yeah.\n\nBought that everywhere. Alright. So what does it mean to unlock that or do what do we do about that? So when you well alright. So when I say stop working, does that mean after I finished my my long service?\n\nOkay. Alright. So so so we go to plan, so I say, yeah, March next, you know, taking my now eight months long service. So I take eight months long service. I could take that and I still get through, get paid, never will get continues on until I stop working.\n\nSo, technically, we're looking towards the end of next year. Yeah. Okay. Yeah. So look, I know in the past, in the last, like, two years, other guys would have been on the same structure as I was because I they started just a little bit before me at BSC.\n\nThey would have been under the same predicament, I would say. So obviously, I never retired. Used to super retired. So obviously, that must be able to be done. Yep.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nYeah. Yeah. So you got we so, yeah, we we we we we when we change regulations, we won't change the old defined benefits. So we'll just let them roll over and make things harder for everyone. Yeah.\n\nAnyway yeah. Because I just I the reason why I was saying the reason why I rang sorry. The reason why I rang is I've got an email from the quick sign to follow-up on this. They want me to so I feel well. See with you guys, what do I got in?\n\nThe equipment administration. What did I say? Yeah. Because they sent me an email. What that I recently passed on to you saying, look, I've only got so much in there to transfer.\n\nSo I would've I haven't done nothing with this. They've already sent us out where we are. We you wanna, yeah, sort of continue on with this. So I thought to see where you guys are at with it before I even try and contact them. Yep.\n\nYep. Yep. Yep. Yep. Fair enough.\n\nThat's fair enough. Yep. Yep. Fair enough. Okay.\n\nK. Yeah. That's fair enough. Make sure I've been speaking to this. Got it.\n\nNo. I get all that. Yeah. Yeah. That's fair enough.\n\nYeah. So I was sending him an email saying just cancel the original request. It's a week for an investigator. K. Well, cool.\n\nNo problem. Yep. Yep. Oh, sounds good. Alright.\n\nAbsolutely. I'm gonna say slowly. Yeah. Things are becoming quicker and quicker this month. Yeah.\n\nYep. It's certainly moving on this year, I'd say. It's it's getting quicker and quicker. Alright. I've got a fly site.\n\nThanks for that. And I'll hear from you next week. Okay. Alright. You too.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good.","start":4.64,"end":4.7999997,"sentiment":"positive","sentiment_score":0.5882182717323303},{"text":"Yourself?","start":4.7999997,"end":5.2999997,"sentiment":"positive","sentiment_score":0.3593176603317261},{"text":"Not bad.","start":7.68,"end":8.34,"sentiment":"neutral","sentiment_score":0.2821098268032074},{"text":"Yeah.","start":14.035,"end":14.535,"sentiment":"neutral","sentiment_score":0.134066641330719},{"text":"Yeah.","start":14.595,"end":14.755,"sentiment":"neutral","sentiment_score":0.1263466775417328}],"sentiment":"neutral","sentiment_score":0.2953614840904872,"num_words":6,"start":4.64,"end":14.755},{"sentences":[{"text":"Bought that everywhere.","start":14.755,"end":15.655001,"sentiment":"neutral","sentiment_score":0.2007727026939392},{"text":"Alright.","start":101.915,"end":102.075005,"sentiment":"neutral","sentiment_score":-0.06650184839963913},{"text":"So what does it mean to unlock that or do what do we do 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guys would have been on the same structure as I was because I they started just a little bit before me at BSC.","start":220.625,"end":233.84999,"sentiment":"neutral","sentiment_score":-0.022820557492810326}],"sentiment":"neutral","sentiment_score":-0.016202714890241623,"num_words":50,"start":192.405,"end":233.84999},{"sentences":[{"text":"They would have been under the same predicament, I would say.","start":235.03,"end":237.98999,"sentiment":"neutral","sentiment_score":-0.053205222568728706},{"text":"So obviously, I never retired.","start":237.98999,"end":239.45,"sentiment":"neutral","sentiment_score":-0.07379151955246925},{"text":"Used to super retired.","start":239.99501,"end":241.195,"sentiment":"neutral","sentiment_score":-0.05398417171090841},{"text":"So obviously, that must be able to be 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this.","start":305.36502,"end":310.85,"sentiment":"neutral","sentiment_score":0.029268356661001842},{"text":"They want me to so I feel well.","start":310.99,"end":312.66998,"sentiment":"neutral","sentiment_score":0.1593636991456151},{"text":"See with you guys, what do I got in?","start":312.66998,"end":314.53,"sentiment":"neutral","sentiment_score":-0.007158943762381871}],"sentiment":"neutral","sentiment_score":-0.006940845470383482,"num_words":53,"start":300.08502,"end":314.53},{"sentences":[{"text":"The equipment administration.","start":315.38998,"end":316.66998,"sentiment":"neutral","sentiment_score":-0.04798912008603414},{"text":"What did I say?","start":316.66998,"end":317.81,"sentiment":"neutral","sentiment_score":-0.051094614900648594},{"text":"Yeah.","start":320.35,"end":320.59,"sentiment":"neutral","sentiment_score":-0.03798117116093635},{"text":"Because they sent me an email.","start":320.59,"end":322.05,"sentiment":"neutral","sentiment_score":-0.08041427657008171},{"text":"What that I recently passed on to you saying, look, I've only got so much in there to transfer.","start":322.19,"end":326.425,"sentiment":"neutral","sentiment_score":-0.09992128787072081}],"sentiment":"neutral","sentiment_score":-0.08385809454502481,"num_words":33,"start":315.38998,"end":326.425},{"sentences":[{"text":"So I would've I haven't done nothing with this.","start":327.205,"end":329.285,"sentiment":"negative","sentiment_score":-0.3868337488836712},{"text":"They've already sent us out where we are.","start":329.285,"end":331.045,"sentiment":"neutral","sentiment_score":-0.31002018600702286},{"text":"We you wanna, yeah, sort of continue on with this.","start":331.045,"end":333.205,"sentiment":"neutral","sentiment_score":-0.3004940032958984},{"text":"So I thought to see where you guys are at with it before I even try and contact them.","start":333.205,"end":337.54498,"sentiment":"neutral","sentiment_score":-0.1965085817010779},{"text":"Yep.","start":352.22,"end":352.72,"sentiment":"negative","sentiment_score":-0.366344541311264}],"sentiment":"neutral","sentiment_score":-0.27801303945957345,"num_words":47,"start":327.205,"end":352.72},{"sentences":[{"text":"Yep.","start":360.305,"end":360.805,"sentiment":"neutral","sentiment_score":-0.0634627491235733},{"text":"Yep.","start":366.70502,"end":367.20502,"sentiment":"neutral","sentiment_score":-0.04877243563532829},{"text":"Yep.","start":380.76,"end":381.26,"sentiment":"neutral","sentiment_score":-0.02866439148783684},{"text":"Yep.","start":383.555,"end":383.795,"sentiment":"neutral","sentiment_score":0.014669165015220642},{"text":"Fair enough.","start":383.795,"end":384.435,"sentiment":"neutral","sentiment_score":0.029935698956251144}],"sentiment":"neutral","sentiment_score":-0.01105983555316925,"num_words":6,"start":360.305,"end":384.435},{"sentences":[{"text":"That's fair enough.","start":384.435,"end":385.415,"sentiment":"neutral","sentiment_score":0.06720112015803655},{"text":"Yep.","start":385.715,"end":386.215,"sentiment":"neutral","sentiment_score":0.06999354809522629},{"text":"Yep.","start":386.67502,"end":387.17502,"sentiment":"neutral","sentiment_score":0.08152302354574203},{"text":"Fair enough.","start":387.315,"end":387.875,"sentiment":"neutral","sentiment_score":0.10380260273814201},{"text":"Okay.","start":387.875,"end":388.375,"sentiment":"neutral","sentiment_score":0.05970214307308197}],"sentiment":"neutral","sentiment_score":0.0775534100830555,"num_words":8,"start":384.435,"end":388.375},{"sentences":[{"text":"K.","start":388.915,"end":389.415,"sentiment":"neutral","sentiment_score":0.04850983247160912},{"text":"Yeah.","start":401.21002,"end":401.53,"sentiment":"neutral","sentiment_score":0.050169602036476135},{"text":"That's fair enough.","start":401.53,"end":402.17,"sentiment":"neutral","sentiment_score":0.06270887826879819},{"text":"Make sure I've been speaking to this.","start":402.17,"end":404.39,"sentiment":"neutral","sentiment_score":0.02290042197065694},{"text":"Got it.","start":404.41,"end":404.81,"sentiment":"neutral","sentiment_score":0.006963256746530533}],"sentiment":"neutral","sentiment_score":0.03293110975729568,"num_words":14,"start":388.915,"end":404.81},{"sentences":[{"text":"No.","start":404.81,"end":405.05002,"sentiment":"neutral","sentiment_score":-0.06300833076238632},{"text":"I get all that.","start":405.05002,"end":405.77002,"sentiment":"neutral","sentiment_score":-0.0805707760155201},{"text":"Yeah.","start":405.77002,"end":406.27002,"sentiment":"neutral","sentiment_score":-0.002076195552945137},{"text":"Yeah.","start":406.37,"end":406.87,"sentiment":"neutral","sentiment_score":0.007791651412844658},{"text":"That's fair enough.","start":406.97,"end":408.01,"sentiment":"neutral","sentiment_score":0.024320437883337338}],"sentiment":"neutral","sentiment_score":-0.030661466531455517,"num_words":10,"start":404.81,"end":408.01},{"sentences":[{"text":"Yeah.","start":408.01,"end":408.51,"sentiment":"neutral","sentiment_score":-0.0004846174269914627},{"text":"So I was sending him an email saying just cancel the original request.","start":409.13,"end":412.43002,"sentiment":"neutral","sentiment_score":-0.07956233448707141},{"text":"It's a week for an investigator.","start":413.17502,"end":414.555,"sentiment":"neutral","sentiment_score":0.004556077396652351},{"text":"K.","start":414.855,"end":415.355,"sentiment":"neutral","sentiment_score":0.02228478342294693},{"text":"Well, cool.","start":416.61502,"end":417.915,"sentiment":"positive","sentiment_score":0.3786986470222473}],"sentiment":"neutral","sentiment_score":-0.009903322778763655,"num_words":23,"start":408.01,"end":417.915},{"sentences":[{"text":"No problem.","start":419.015,"end":419.83502,"sentiment":"neutral","sentiment_score":0.24855557084083557},{"text":"Yep.","start":427.815,"end":428.315,"sentiment":"neutral","sentiment_score":0.06579035520553589},{"text":"Yep.","start":429.74,"end":430.24,"sentiment":"neutral","sentiment_score":0.0790511965751648},{"text":"Oh, sounds good.","start":438.69998,"end":440.24,"sentiment":"positive","sentiment_score":0.387275367975235},{"text":"Alright.","start":441.015,"end":441.515,"sentiment":"positive","sentiment_score":0.34084486961364746}],"sentiment":"neutral","sentiment_score":0.26807795837521553,"num_words":8,"start":419.015,"end":441.515},{"sentences":[{"text":"Absolutely.","start":451.175,"end":451.675,"sentiment":"neutral","sentiment_score":0.28980833292007446},{"text":"I'm gonna say slowly.","start":451.815,"end":452.95502,"sentiment":"neutral","sentiment_score":0.1423702910542488},{"text":"Yeah.","start":453.015,"end":453.515,"sentiment":"neutral","sentiment_score":0.1205354779958725},{"text":"Things are becoming quicker and quicker this month.","start":453.895,"end":456.15,"sentiment":"neutral","sentiment_score":0.11595137324184179},{"text":"Yeah.","start":461.91,"end":462.41,"sentiment":"neutral","sentiment_score":0.04551898315548897}],"sentiment":"neutral","sentiment_score":0.13019699628154438,"num_words":15,"start":451.175,"end":462.41},{"sentences":[{"text":"Yep.","start":472.555,"end":473.035,"sentiment":"neutral","sentiment_score":0.04275580495595932},{"text":"It's certainly moving on this year, I'd say.","start":473.035,"end":476.015,"sentiment":"neutral","sentiment_score":0.1947330590337515},{"text":"It's it's getting quicker and quicker.","start":479.595,"end":481.26,"sentiment":"neutral","sentiment_score":0.2268394653995832},{"text":"Alright.","start":481.74002,"end":482.22,"sentiment":"neutral","sentiment_score":0.06941745430231094},{"text":"I've got a fly site.","start":482.22,"end":483.18002,"sentiment":"positive","sentiment_score":0.5863267183303833}],"sentiment":"neutral","sentiment_score":0.28393848169417607,"num_words":21,"start":472.555,"end":483.18002},{"sentences":[{"text":"Thanks for that.","start":483.18002,"end":483.98,"sentiment":"positive","sentiment_score":0.8115318020184835},{"text":"And I'll hear from you next week.","start":483.98,"end":485.76,"sentiment":"neutral","sentiment_score":0.21999501224075044},{"text":"Okay.","start":487.98,"end":488.38,"sentiment":"positive","sentiment_score":0.36032068729400635},{"text":"Alright.","start":488.38,"end":488.7,"sentiment":"neutral","sentiment_score":0.32786688208580017},{"text":"You too.","start":488.7,"end":489.18002,"sentiment":"neutral","sentiment_score":0.33239568769931793}],"sentiment":"positive","sentiment_score":0.380538531179939,"num_words":14,"start":483.18002,"end":489.18002},{"sentences":[{"text":"Bye.","start":489.18002,"end":489.68002,"sentiment":"neutral","sentiment_score":0.22280284762382507}],"sentiment":"neutral","sentiment_score":0.22280284762382507,"num_words":1,"start":489.18002,"end":489.68002}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Steven. Larissa. How are you going?\n\nChannel 1: Good. Yourself?\n\nChannel 0: Yeah. Not bad.\n\nChannel 1: Not bad.\n\nChannel 0: Will be nice when the week's over, but, that's okay. Just been a long one. That's Tuesday already.\n\nChannel 1: Yeah. Yeah. Bought that everywhere.\n\nChannel 0: Oh, I know. It doesn't stop, but that's okay. It's what we love why we love doing what we do. Now I have been reviewing or rereviewing your account and re going over the pedia or the product disclosure statement for your policy. And there's a couple of adjustments we need to make to the plan.\n\nNothing major in terms of outcome, just delaying things a little bit to how we're gonna do it. I'd missed one of the sections in the PDF when I reviewed it for the like, the first time with respect to the account requirements while a defined benefit but a defined benefit does mean that, you know, there's a benefit that's being specifically set aside and it's employment linked. It's an older style account, basically. It yours specifically has a employment lock to it, so it doesn't unlock until after you finish working even though you meet the age requirement. And some of them do have that link.\n\nDidn't originally think that yours did have that connection, but upon rereviewing it, it does. So it does has a little bit of a a limitation to it, but it's not gonna stop us from doing what we wanna do in the long term. It's just a little bit of a halt in the short term, so to speak.\n\nChannel 1: Alright. So what does it mean to unlock that or do what do we do about that?\n\nChannel 0: At the moment, I'm trying to piece it together a little bit more to make sure that I have a flow for you and then just redocument it so that way you have it all in writing and we can talk through it all. I've read the PDF twice to make sure that I haven't missed anything. I have a meeting on Thursday with one of the defined benefit specialists in equip super just to make sure that I am across it because I don't wanna make sure that I haven't missed anything again. And and and then I'm gonna redocument everything, and we can have a chat. But, realistically, it it from what I have every like, from what I have at the moment, it shouldn't stop us from doing everything.\n\nIt's just gonna delay us until you stop working, which is not\n\nChannel 1: So when\n\nChannel 0: that\n\nChannel 1: you\n\nChannel 0: far away.\n\nChannel 1: well alright. So when I say stop working, does that mean after I finished my my long service?\n\nChannel 0: Mhmm. That's the part that I don't know, and that's why I have my meeting on Thursday.\n\nChannel 1: Okay. Alright. So so so we go to plan, so I say, yeah, March next, you know, taking my now eight months long service. So I take eight months long service. I could take that and I still\n\nChannel 0: Yep.\n\nChannel 1: get through, get paid, never will get continues on until I stop working. So, technically, we're looking towards the end of next year.\n\nChannel 0: Possibly. And that's that's what I'm sort of trying to figure out and so I can get my timeline in effect and then redo what it looks like, make sure that we're good, and go from there. Like, it it does change things a little bit, but it's not like, it's still the same direction as to cash flow, still the same direction as to what we want in an outcome.\n\nChannel 1: Yeah.\n\nChannel 0: It's\n\nChannel 1: Okay.\n\nChannel 0: just, I guess, the order of or sequence of events that we're gonna hit.\n\nChannel 1: Yeah. So look, I know in the past, in the last, like, two years, other guys would have been on the same structure as I was because I they started just a little bit before me at BSC.\n\nChannel 0: Yes.\n\nChannel 1: They would have been under the same predicament, I would say. So obviously, I never retired. Used to super retired. So obviously, that must be able to be done.\n\nChannel 0: Yeah. No. No. It can be done. Like, you have the million dollars.\n\nIt's not missing. It's not anywhere. It's there. It's just so back I'm gonna say it's probably twenty, thirty years, even longer. Defined benefits, endowment funds, their their their whole of life policies were a massive\n\nChannel 1: Yep.\n\nChannel 0: push in the market.\n\nChannel 1: Yep.\n\nChannel 0: And they all fall under a slightly different regulation, and they are employer locked. You leave the employer. It's still a defined benefit. It has\n\nChannel 1: Yep.\n\nChannel 0: rules and regulations,\n\nChannel 1: Yep.\n\nChannel 0: but it's locked under different legislation to what our superannuation funds are\n\nChannel 1: Yeah.\n\nChannel 0: connected to now.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: you\n\nChannel 1: So\n\nChannel 0: have\n\nChannel 1: you got we so, yeah, we we we we we when we change regulations, we won't change the old defined benefits. So we'll just let\n\nChannel 0: because\n\nChannel 1: them roll over and make things harder for everyone.\n\nChannel 0: yeah.\n\nChannel 1: Yeah. Anyway\n\nChannel 0: Exactly. It's not\n\nChannel 1: yeah.\n\nChannel 0: my first\n\nChannel 1: Because\n\nChannel 0: rodeo\n\nChannel 1: I just\n\nChannel 0: with\n\nChannel 1: I\n\nChannel 0: defined benefits,\n\nChannel 1: the reason\n\nChannel 0: but\n\nChannel 1: why\n\nChannel 0: they're\n\nChannel 1: I was\n\nChannel 0: all\n\nChannel 1: saying the\n\nChannel 0: different.\n\nChannel 1: reason why I rang sorry. The reason\n\nChannel 0: Yeah.\n\nChannel 1: why I rang is I've got an email from the quick sign to follow-up on this. They want me to so I feel well. See with you guys, what do I got in? The equipment administration. What did I say?\n\nYeah. Because they sent me an email. What that I recently passed on to you saying, look, I've only got so\n\nChannel 0: Yes.\n\nChannel 1: much in there to transfer.\n\nChannel 0: Yes.\n\nChannel 1: So I would've I haven't done nothing with this. They've already sent us out where we are. We you wanna, yeah, sort of continue on with this. So I thought to see where you guys are at with it before I even try and contact them.\n\nChannel 0: You can you can email them back. It will have to come from you, and you can just say, at this time, please please disregard the rollover as I'm seeking further advice and just just send that to them. They'll cancel\n\nChannel 1: Yep.\n\nChannel 0: the rollover. They'll stop contacting you at the moment. We could just restart it again, and I can reissue it when I get my timeline happening and\n\nChannel 1: Yep.\n\nChannel 0: just recheck with that that specialist. Because I just all of the products differ from that age.\n\nChannel 1: Yep.\n\nChannel 0: And so there's sometimes they have, like, this little nuance to them, and I wanna make sure that I'm not missing anything. I'm not canceling anything out originally. Like, I I don't believe I am, but\n\nChannel 1: Yep.\n\nChannel 0: still wanna double check.\n\nChannel 1: Yep. Fair\n\nChannel 0: At this\n\nChannel 1: enough.\n\nChannel 0: point,\n\nChannel 1: That's\n\nChannel 0: triple\n\nChannel 1: fair\n\nChannel 0: check.\n\nChannel 1: enough. Yep. Yep. Fair enough. Okay.\n\nK.\n\nChannel 0: Yeah. But you've got the money. It's it's it's there. It's accessible to you. You theoretically, I could just we could just push it and say, yeah.\n\nCool. Roll it all over, but I just wanna reconfirm.\n\nChannel 1: Yeah. That's fair enough. Make sure I've been speaking to this. Got it. No.\n\nChannel 0: Crossed.\n\nChannel 1: I get all that. Yeah. Yeah. That's fair enough. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: So I was sending him an email saying just cancel the original request.\n\nChannel 0: Yeah.\n\nChannel 1: It's a week\n\nChannel 0: Yep.\n\nChannel 1: for an investigator. K.\n\nChannel 0: Yep.\n\nChannel 1: Well, cool.\n\nChannel 0: Amazing.\n\nChannel 1: No\n\nChannel 0: And\n\nChannel 1: problem.\n\nChannel 0: then I I should have an answer for you by mid next week after my meeting on Thursday. This Thursday,\n\nChannel 1: Yep.\n\nChannel 0: two day time.\n\nChannel 1: Yep.\n\nChannel 0: And, yeah, I'll I'll redraw up sequence of events, document it, email through. We'll meet, talk, go from there.\n\nChannel 1: Oh, sounds good. Alright.\n\nChannel 0: Cool. Amazing. Otherwise, you're just keeping yourself busy and slowly looking forward to retirement.\n\nChannel 1: Absolutely. I'm gonna say slowly. Yeah. Things are becoming quicker and quicker this month.\n\nChannel 0: Oh, I know. Trust me. The year is rolling through. My my eldest, he's\n\nChannel 1: Yeah.\n\nChannel 0: 13. He just he just turned around and told me that his birthday's in ten days this morning. He's like, don't forget. I'm a teenager in ten days. I was like, that's very nice for you.\n\nOh my god. Where's my life gone?\n\nChannel 1: Yep. It's\n\nChannel 0: Yep.\n\nChannel 1: certainly moving on this year, I'd say.\n\nChannel 0: Oh, I swear they get faster and faster.\n\nChannel 1: It's it's getting quicker and quicker. Alright. I've got a fly site. Thanks for that. And I'll hear\n\nChannel 0: No.\n\nChannel 1: from you next week.\n\nChannel 0: Will do. Thanks, David. Have a good one.\n\nChannel 1: Okay. Alright. You too. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi, Steven.","start":2.3999999,"end":3.12,"sentiment":"neutral","sentiment_score":0.2940453886985779},{"text":"Larissa.","start":3.12,"end":3.52,"sentiment":"neutral","sentiment_score":0.295894056558609},{"text":"How are you going?","start":3.52,"end":4.34,"sentiment":"positive","sentiment_score":0.41848841309547424}],"sentiment":"positive","sentiment_score":0.3654197837625231,"channel":0,"num_words":7,"start":2.3999999,"end":4.34},{"sentences":[{"text":"Good.","start":4.64,"end":4.7999997,"sentiment":"positive","sentiment_score":0.5882182717323303},{"text":"Yourself?","start":4.7999997,"end":5.2999997,"sentiment":"positive","sentiment_score":0.3593176603317261}],"sentiment":"positive","sentiment_score":0.4737679660320282,"channel":1,"num_words":2,"start":4.64,"end":5.2999997},{"sentences":[{"text":"Yeah.","start":5.7599998,"end":6.24,"sentiment":"neutral","sentiment_score":0.2739983797073364},{"text":"Not bad.","start":6.24,"end":7.06,"sentiment":"neutral","sentiment_score":0.2872517481446266}],"sentiment":"neutral","sentiment_score":0.2828339586655299,"channel":0,"num_words":3,"start":5.7599998,"end":7.06},{"sentences":[{"text":"Not bad.","start":7.68,"end":8.34,"sentiment":"neutral","sentiment_score":0.2821098268032074}],"sentiment":"neutral","sentiment_score":0.2821098268032074,"channel":1,"num_words":2,"start":7.68,"end":8.34},{"sentences":[{"text":"Will be nice when the week's over, but, that's okay.","start":8.48,"end":11.2,"sentiment":"positive","sentiment_score":0.33974460810422896},{"text":"Just been a long one.","start":11.2,"end":12.08,"sentiment":"neutral","sentiment_score":0.03369065523147583},{"text":"That's Tuesday already.","start":12.08,"end":13.139999,"sentiment":"neutral","sentiment_score":0.15252320965131125}],"sentiment":"neutral","sentiment_score":0.22352605478631127,"channel":0,"num_words":18,"start":8.48,"end":13.139999},{"sentences":[{"text":"Yeah.","start":14.035,"end":14.535,"sentiment":"neutral","sentiment_score":0.134066641330719},{"text":"Yeah.","start":14.595,"end":14.755,"sentiment":"neutral","sentiment_score":0.1263466775417328},{"text":"Bought that everywhere.","start":14.755,"end":15.655001,"sentiment":"neutral","sentiment_score":0.2007727026939392}],"sentiment":"neutral","sentiment_score":0.17254628539085387,"channel":1,"num_words":5,"start":14.035,"end":15.655001},{"sentences":[{"text":"Oh, I know.","start":16.415,"end":16.975,"sentiment":"neutral","sentiment_score":0.1305750235915184},{"text":"It doesn't stop, but that's okay.","start":16.975,"end":18.255001,"sentiment":"neutral","sentiment_score":0.21913263822595277},{"text":"It's what we love why we love doing what we do.","start":18.255001,"end":20.435,"sentiment":"positive","sentiment_score":0.7993338270620867},{"text":"Now I have been reviewing or rereviewing your account and re going over the pedia or the product disclosure statement for your policy.","start":22.735,"end":34.88,"sentiment":"neutral","sentiment_score":0.1098940864853237},{"text":"And there's a couple of adjustments we need to make to the plan.","start":35.34,"end":37.9,"sentiment":"neutral","sentiment_score":-0.027813048603443}],"sentiment":"neutral","sentiment_score":0.22616405991305197,"channel":0,"num_words":56,"start":16.415,"end":37.9},{"sentences":[{"text":"Nothing major in terms of outcome, just delaying things a little bit to how we're gonna do it.","start":37.9,"end":46.605,"sentiment":"negative","sentiment_score":-0.34544100446833503},{"text":"I'd missed one of the sections in the PDF when I reviewed it for the like, the first time with respect to the account requirements while a defined benefit but a defined benefit does mean that, you know, there's a benefit that's being specifically set aside and it's employment linked.","start":48.025,"end":66.84,"sentiment":"neutral","sentiment_score":-0.07779112031683326},{"text":"It's an older style account, basically.","start":68.1,"end":69.96,"sentiment":"neutral","sentiment_score":-0.027322025659183662},{"text":"It yours specifically has a employment lock to it, so it doesn't unlock until after you finish working even though you meet the age requirement.","start":72.185,"end":83.965,"sentiment":"neutral","sentiment_score":-0.029399631172418596},{"text":"And some of them do have that link.","start":84.17,"end":86.09,"sentiment":"neutral","sentiment_score":0.01373868971131742}],"sentiment":"neutral","sentiment_score":-0.1018365188023058,"channel":0,"num_words":107,"start":37.9,"end":86.09},{"sentences":[{"text":"Didn't originally think that yours did have that connection, but upon rereviewing it, it does.","start":86.09,"end":91.63,"sentiment":"neutral","sentiment_score":-0.023625632127126057},{"text":"So it does has a little bit of a a limitation to it, but it's not gonna stop us from doing what we wanna do in the long term.","start":92.25,"end":98.009995,"sentiment":"neutral","sentiment_score":-0.16036330420395423},{"text":"It's just a little bit of a halt in the short term, so to speak.","start":98.009995,"end":101.424995,"sentiment":"neutral","sentiment_score":-0.32776244084040324}],"sentiment":"neutral","sentiment_score":-0.16815859180385784,"channel":0,"num_words":59,"start":86.09,"end":101.424995},{"sentences":[{"text":"Alright.","start":101.915,"end":102.075005,"sentiment":"neutral","sentiment_score":-0.06650184839963913},{"text":"So what does it mean to unlock that or do what do we do about 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I'll hear","start":483.98,"end":484.62,"sentiment":"neutral","sentiment_score":0.3072352707386017}],"sentiment":"positive","sentiment_score":0.4287993920346101,"channel":1,"num_words":18,"start":479.595,"end":484.62},{"sentences":[{"text":"No.","start":484.61694,"end":485.11694,"sentiment":"neutral","sentiment_score":0.008995190262794495}],"sentiment":"neutral","sentiment_score":0.008995190262794495,"channel":0,"num_words":1,"start":484.61694,"end":485.11694},{"sentences":[{"text":"from you next week.","start":484.62,"end":485.76,"sentiment":"neutral","sentiment_score":0.15456481836736202}],"sentiment":"neutral","sentiment_score":0.15456481836736202,"channel":1,"num_words":4,"start":484.62,"end":485.76},{"sentences":[{"text":"Will do.","start":485.89694,"end":486.69696,"sentiment":"positive","sentiment_score":0.44331489503383636},{"text":"Thanks, David.","start":486.69696,"end":487.33694,"sentiment":"positive","sentiment_score":0.7514346837997437},{"text":"Have a good 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too.","start":488.7,"end":489.18002,"sentiment":"neutral","sentiment_score":0.33239568769931793},{"text":"Bye.","start":489.18002,"end":489.68002,"sentiment":"neutral","sentiment_score":0.22280284762382507}],"sentiment":"neutral","sentiment_score":0.3151563584804535,"channel":1,"num_words":5,"start":487.98,"end":489.68002},{"sentences":[{"text":"Bye.","start":490.05695,"end":490.55695,"sentiment":"neutral","sentiment_score":-0.09325986355543137}],"sentiment":"neutral","sentiment_score":-0.09325986355543137,"channel":0,"num_words":1,"start":490.05695,"end":490.55695}]},"summary":{"result":"success","short":"The speakers discuss adjustments to the customer's plan, including rewriting it to make it more structured and stopping certain sections. They also discuss employment and retirement plans and the possibility of continuing to work longer periods of time. The customer is concerned about losing benefits due to a recent email from a representative, but the representative reassures them that they can cancel the service and reissue it if needed. The speed of the process is discussed and the customer mentions their retirement plans."},"intents":{"segments":[{"text":"Now I have been reviewing or rereviewing your account and re going over the pedia or the product disclosure statement for your policy.","start_word":57,"end_word":79,"intents":[{"intent":"Rereview employee benefit","confidence_score":0.00032612978}]},{"text":"Now I have been reviewing or rereviewing your account and re going over the pedia or the product disclosure statement for your policy. And there's a couple of adjustments we need to make to the plan.","start_word":57,"end_word":92,"intents":[{"intent":"Review account","confidence_score":0.15357527}]},{"text":"So what does it mean to unlock that or do what do we do about that?","start_word":260,"end_word":275,"intents":[{"intent":"Unlock account","confidence_score":0.06925815}]},{"text":"At the moment, I'm trying to piece it together a little bit more to make sure that I have a flow for you and then just redocument it so that way you have it all in writing and we can talk through it all.","start_word":276,"end_word":319,"intents":[{"intent":"Redocument document","confidence_score":0.05728275},{"intent":"Have flow","confidence_score":0.11080943}]},{"text":"I have a meeting on Thursday with one of the defined benefit specialists in equip super just to make sure that I am across it because I don't wanna make sure that I haven't missed anything again.","start_word":334,"end_word":370,"intents":[{"intent":"Schedule meeting","confidence_score":0.19583222}]},{"text":"And they all fall under a slightly different regulation, and they are employer locked. You leave the employer. It's still a defined benefit. It has Yep. rules and regulations, Yep. but it's locked under different legislation to what our superannuation funds are Yeah.","start_word":734,"end_word":776,"intents":[{"intent":"Request clarification on yep's regulation","confidence_score":0.00352153}]},{"text":"And they all fall under a slightly different regulation, and they are employer locked. You leave the employer. It's still a defined benefit. It has Yep. rules and regulations, Yep. but it's locked under different legislation to what our superannuation funds are Yeah. connected to now.","start_word":734,"end_word":779,"intents":[{"intent":"Request clarification on yep's rule and regulation","confidence_score":1.2472452e-7}]},{"text":"We could just restart it again, and I can reissue it when I get my timeline happening and Yep. just recheck with that that specialist. Because I just all of the products differ from that age. Yep.","start_word":1023,"end_word":1059,"intents":[{"intent":"Reissue yep's timeline","confidence_score":0.012471856}]},{"text":"Make sure I've been speaking to this. Got it.","start_word":1159,"end_word":1167,"intents":[{"intent":"Confirm identity","confidence_score":0.007414339}]}]},"sentiments":{"segments":[{"text":"Hi, Steven. Larissa.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.2948376536369324},{"text":"How are you going? Good. Yourself?","start_word":3,"end_word":8,"sentiment":"positive","sentiment_score":0.4333313107490539},{"text":"Yeah. Not bad. Not bad.","start_word":9,"end_word":13,"sentiment":"neutral","sentiment_score":0.2760387063026428},{"text":"Will be nice when the week's over, but, that's okay.","start_word":14,"end_word":23,"sentiment":"positive","sentiment_score":0.3340074419975281},{"text":"Just been a long one. That's Tuesday already. Yeah. Yeah. Bought that everywhere. Oh, I know. It doesn't stop, but that's okay.","start_word":24,"end_word":45,"sentiment":"neutral","sentiment_score":0.15651895105838776},{"text":"It's what we love why we love doing what we do.","start_word":46,"end_word":56,"sentiment":"positive","sentiment_score":0.7791542410850525},{"text":"Now I have been reviewing or rereviewing your account and re going over the pedia or the product disclosure statement for your policy. And there's a couple of adjustments we need to make to the plan.","start_word":57,"end_word":92,"sentiment":"neutral","sentiment_score":0.058778028935194016},{"text":"Nothing major in terms of outcome, just delaying things a little bit to how we're gonna do it.","start_word":93,"end_word":110,"sentiment":"negative","sentiment_score":-0.3374630808830261},{"text":"I'd missed one of the sections in the PDF when I reviewed it for the like, the first time with respect to the account requirements while a defined benefit but a defined benefit does mean that, you know, there's a benefit that's being specifically set aside and it's employment linked. It's an older style account, basically. It yours specifically has a employment lock to it, so it doesn't unlock until after you finish working even though you meet the age requirement. And some of them do have that link. Didn't originally think that yours did have that connection, but upon rereviewing it, it does. So it does has a little bit of a a limitation to it, but it's not gonna stop us from doing what we wanna do in the long term. It's just a little bit of a halt in the short term, so to speak. Alright. So what does it mean to unlock that or do what do we do about that? At the moment, I'm trying to piece it together a little bit more to make sure that I have a flow for you and then just redocument it so that way you have it all in writing and we can talk through it all. I've read the PDF twice to make sure that I haven't missed anything. I have a meeting on Thursday with one of the defined benefit specialists in equip super just to make sure that I am across it because I don't wanna make sure that I haven't missed anything again. And and and then I'm gonna redocument everything, and we can have a chat. But, realistically, it it from what I have every like, from what I have at the moment, it shouldn't stop us from doing everything. It's just gonna delay us until you stop working, which is not So when that you far away. well alright. So when I say stop working, does that mean after I finished my my long service? Mhmm. That's the part that I don't know, and that's why I have my meeting on Thursday. Okay. Alright. So so so we go to plan, so I say, yeah, March next, you know, taking my now eight months long service. So I take eight months long service. I could take that and I still Yep. get through, get paid, never will get continues on until I stop working. So, technically, we're looking towards the end of next year. Possibly. And that's that's what I'm sort of trying to figure out and so I can get my timeline in effect and then redo what it looks like, make sure that we're good, and go from there. Like, it it does change things a little bit, but it's not like, it's still the same direction as to cash flow, still the same direction as to what we want in an outcome. Yeah. It's Okay. just, I guess, the order of or sequence of events that we're gonna hit. Yeah. So look, I know in the past, in the last, like, two years, other guys would have been on the same structure as I was because I they started just a little bit before me at BSC. Yes. They would have been under the same predicament, I would say. So obviously, I never retired. Used to super retired. So obviously, that must be able to be done. Yeah. No. No. It can be done. Like, you have the million dollars. It's not missing. It's not anywhere. It's there. It's just so back I'm gonna say it's probably twenty, thirty years, even longer. Defined benefits, endowment funds, their their their whole of life policies were a massive Yep. push in the market. Yep. And they all fall under a slightly different regulation, and they are employer locked. You leave the employer. It's still a defined benefit. It has Yep. rules and regulations, Yep. but it's locked under different legislation to what our superannuation funds are Yeah. connected to now. Yeah. So Yeah. Yeah. you So have you got we so, yeah, we we we we we when we change regulations, we won't change the old defined benefits.","start_word":111,"end_word":807,"sentiment":"neutral","sentiment_score":-0.028059189515843068},{"text":"So we'll just let because them roll over and make things harder for everyone.","start_word":808,"end_word":821,"sentiment":"negative","sentiment_score":-0.3671119213104248},{"text":"yeah. Yeah. Anyway Exactly. It's not yeah. my first Because rodeo I just with I defined benefits, the reason but why they're I was all saying the different. reason why I rang sorry. The reason Yeah. why I rang is I've got an email from the quick sign to follow-up on this. They want me to so I feel well. See with you guys, what do I got in? The equipment administration. What did I say? Yeah. Because they sent me an email. What that I recently passed on to you saying, look, I've only got so Yes. much in there to transfer. Yes.","start_word":822,"end_word":925,"sentiment":"neutral","sentiment_score":-0.04761863872408867},{"text":"So I would've I haven't done nothing with this.","start_word":926,"end_word":934,"sentiment":"negative","sentiment_score":-0.38126757740974426},{"text":"They've already sent us out where we are. We you wanna, yeah, sort of continue on with this. So I thought to see where you guys are at with it before I even try and contact them. You can you can email them back. It will have to come from you, and you can just say, at this time, please please disregard the rollover as I'm seeking further advice and just just send that to them.","start_word":935,"end_word":1010,"sentiment":"neutral","sentiment_score":-0.2613227665424347},{"text":"They'll cancel Yep. the rollover. They'll stop contacting you at the moment.","start_word":1011,"end_word":1022,"sentiment":"negative","sentiment_score":-0.40052542090415955},{"text":"We could just restart it again, and I can reissue it when I get my timeline happening and Yep. just recheck with that that specialist. Because I just all of the products differ from that age. Yep. And so there's sometimes they have, like, this little nuance to them, and I wanna make sure that I'm not missing anything. I'm not canceling anything out originally. Like, I I don't believe I am, but Yep. still wanna double check. Yep. Fair At this enough. point, That's triple fair check. enough. Yep. Yep. Fair enough. Okay. K. Yeah. But you've got the money. It's it's it's there. It's accessible to you. You theoretically, I could just we could just push it and say, yeah. Cool. Roll it all over, but I just wanna reconfirm. Yeah. That's fair enough. Make sure I've been speaking to this. Got it. No. Crossed. I get all that. Yeah. Yeah. That's fair enough. Yeah. Yep. So I was sending him an email saying just cancel the original request. Yeah. It's a week Yep. for an investigator. K. Yep.","start_word":1023,"end_word":1203,"sentiment":"neutral","sentiment_score":-0.01050412494339337},{"text":"Well, cool. Amazing.","start_word":1204,"end_word":1206,"sentiment":"positive","sentiment_score":0.4256216287612915},{"text":"No And problem. then I I should have an answer for you by mid next week after my meeting on Thursday. This Thursday, Yep. two day time. Yep. And, yeah, I'll I'll redraw up sequence of events, document it, email through. We'll meet, talk, go from there.","start_word":1207,"end_word":1253,"sentiment":"neutral","sentiment_score":0.08792360126972198},{"text":"Oh, sounds good. Alright. Cool. Amazing. Otherwise, you're just keeping yourself busy and slowly looking forward to retirement.","start_word":1254,"end_word":1271,"sentiment":"positive","sentiment_score":0.40366050601005554},{"text":"Absolutely. I'm gonna say slowly. Yeah. Things are becoming quicker and quicker this month. Oh, I know. Trust me. The year is rolling through. My my eldest, he's Yeah. 13. He just he just turned around and told me that his birthday's in ten days this morning. He's like, don't forget. I'm a teenager in ten days.","start_word":1272,"end_word":1328,"sentiment":"neutral","sentiment_score":0.10965831577777864},{"text":"I was like, that's very nice for you.","start_word":1329,"end_word":1336,"sentiment":"positive","sentiment_score":0.36574220657348633},{"text":"Oh my god. Where's my life gone? Yep. It's Yep. certainly moving on this year, I'd say. Oh, I swear they get faster and faster. It's it's getting quicker and quicker. Alright.","start_word":1337,"end_word":1368,"sentiment":"neutral","sentiment_score":0.1244453713297844},{"text":"I've got a fly site. Thanks for that.","start_word":1369,"end_word":1376,"sentiment":"positive","sentiment_score":0.6426358222961426},{"text":"And I'll hear No. from you next week.","start_word":1377,"end_word":1384,"sentiment":"neutral","sentiment_score":0.186322420835495},{"text":"Will do. Thanks, David. Have a good one. Okay.","start_word":1385,"end_word":1393,"sentiment":"positive","sentiment_score":0.6157580614089966},{"text":"Alright. You too. Bye. Bye.","start_word":1394,"end_word":1398,"sentiment":"neutral","sentiment_score":0.2538582682609558}],"average":{"sentiment":"neutral","sentiment_score":0.004865976754203253}}}}