{"metadata":{"transaction_key":"deprecated","request_id":"01a09e99-6b80-71b3-ad41-02d400f070cc","sha256":"2ff5c7e84d1b5ff6b2b866ac6458183268034f06982e87faa8f96807573e5ce7","created":"2026-09-14T06:27:32.190Z","duration":915.76794,"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":2994,"output_tokens":83},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3411,"output_tokens":3418},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3411,"output_tokens":104}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Peter. Larissa from Ophi Financial. How are you going? Not bad. It's been a day, but we're sitting down with a cold coffee that I think I made five hours ago and living life. Oh, I'm with you there. Right with you there. I really am. Well, I will keep it short and sharp for you. I call before I jump into it, though, I do need to let you know our calls are recorded. And if I could get you to confirm security for me, it is full name, date of birth, and address. Perfect. Alright. So the reason of my call and you I I know that you were cc'd in on the email from the insurer, but it is to touch base with regards to the insurance application that we sent through to OnePath Zurich. So they've come back with post post the medical side of things and and an analysis that they are only willing to offer cover for death insurance and nothing on the total pam disability income protection side. They it like, that was a, I guess, comorbidity, I guess, is the terminology for them, but it wasn't the only underlying factor. They also had the homogeneous MTHFR cyst the genetic status was one of the was one of the contributing factors as well as Raynard's diabetes. Yes. Don't be wrong. Tuberculosis did fall into it as well, but it was just it was the the number of, I guess, health concerns that can create higher risk. Yeah. So it wasn't it's not something that you're uncommon to, I guess. Yeah. Yeah. Yeah. Originally, like, the tuberculosis was only was a was a concern originally, but we pre assessed it, and they were actually pretty okay with it. It was just when it came to, I guess, the layers that fell down the line, which is where they kind of picked it up. Specifically, the one the biggest key factor was that genetic side of thing because it's a genetic mutation of the cells, which is where things fell on that side. But it's essentially speaking, I guess, moving forward from here, there's a couple of different layers to it. Because, originally, we had applied for a MillerLife milli MillerTPD and then the income protection at 10 grand a month. So, obviously, the TPD, the IP declined. The life insurance is still approved on that side with a 75% loading. So, essentially speaking, what that would look like is the life insurance premium originally was, like, $672, just around it. With the 75% loading, that would change it to about $11.75. That is per year annually. Yes. 1175. Now, essentially speaking, there's a couple of options that we have available. We can proceed with that. That gives you the life cover. So if you were to pass away, diagnose terminally ill, you have that additional cover that gives the family reassurance in the event that, you know, the debts are covered, income's covered, all of that kind of stuff sorted. You then also have currently, because we didn't close it, your Aware Superfund as well. So your Aware Superfund, we kept it open with a small balance in it while we were going through the insurance side of things. It has 72,500 of life TPD, and then it has a thousand dollars in IP. So now it's a bit of a conversation as to where we go on that side. Because, essentially speaking, the Zurich policy would cover the like, your life needs, but it means that your TPD income protection needs remain unmet. Now Mhmm. So there's a couple of options. Option one is I do and I've I've already started. Like, don't be me wrong. It's not like me twiddling my thumbs. But I continue to go down the route of seeing if there's any other insurers that would cover your complex medical history for the TPD IP side of things. Option two is we start building a financial buffer for yourself whereby we start directing cash flow into a position to kind of create that that safety account. So if anything happens, that's where, I guess, your, like, income protection income would come from. So if if you were fell into the position of being unable to work, you basically have a bank account that kind of starts filtering through to cover your your needs. So they're sort of the the two options that we have. Granted, you do have and then, I guess, then it's a conversation as to where or what we do in regards to the Aware Superfund. Because, realistically, like, there are operation costs with the funds. Don't get me wrong. There's the premiums to to to pay for that insurance is, you know, $330 a year, but it's really nothing significant in terms of of income. But A thousand dollars a month? Yes. After after ninety days, which means, essentially, you get your first payment day one twenty of being off work. So it's it's jack of you know, it's it's it's jackal in terms of cost. It's not exactly covering anything much in terms of income, but it's sort of a something's better than nothing kind of position. So there is that sort of avenue. Now that would essentially mean that if we want to keep that open, we'd kind of have Aware Super as literally just an insurance fund. So we'd keep a really small amount in the account. It would just be an insurance holding account. So, basically, the money in the account pays the premiums, and that's about it. We still make sure it's invested in a in a nice way to kind of still keep up with things, but we just keep that there as literally just a bank account to pay the insurance premiums. But but it's kind of, I guess, a wider conversation as to whether do you want me to start, like, pushing a little bit harder in terms of other insurers and going down that line? And I'm still happy to, still have been, because it means kinda dragging you through it with me. Because there's only a small there's only so much that I can do independently. Because as you saw by the email, Zurich don't don't release everything to us. We we don't It just depends on who their reinsurer is and what their back end requirements, PDF, like because there's there's a product disclosure statement, which is what we obviously read to make sure that the product is right for you. But then an an insurer actually has a reinsurer, and what happens is the reinsurer sets rules and regulations for what can happen and what can't happen and what medicals they approve and what medicals they don't approve and this the the cross colonization of everything. Comorbidities is what they refer to it as, and and what parameters they they do allow. So they all are different depending on who their reinsurer is. Yeah. Yep. Yeah. Do you know when she had cancer last? Because, generally, it's a five to ten year rule with any kind of cancer. Yeah. Yep. Okay. Yeah. Well, if you're able to find out and even if you just flick an email through the to to Jack, and Jack will pass it along and let me know. Absolutely. Okay. And I'll continue on with my plotting and and research on my side as well. The issue is is each medical like, I'd love to say yes, but each medical case is different. Like, you're not you're not the most complex health case I've come across. I've had I've had plenty more complex. Honestly, like, it it it it just depends on how everything connects together and whether one thing links to another that creates a thing and a thing, and it and it just spirals down from there. Like, I've I've I've I've gotten ex cancer patients insurance in the past. I've I've been in the industry for over a decade. So I've I've seen the changes as they've kinda gone through over the last ten years, but it's just it's it's how long space is doing, really. Yeah. Yeah. Absolutely. Sounds like a plan. Well, I'll put in my calendar to touch base with you in sort of four weeks or so. But I guess how do you wanna do you want me to just put things things on hold for now and obviously not move in any direction and just kind of hold and wait? I'll do my thing, you do your thing, and we'll reconvene in three or four? Mine's just a look at them all type of approach, not a I'm gonna pick that one. Don't be wrong. I can generally go I'm gonna pick that one, but this is definitely gonna be an I'm exploring all because I'm dealing with complex health history. It's it's not like I'm just dealing with cancer. Will I know that this insurer is more lenient for x cancer patients? That's that's the direction I'm going. It's I'm multilayered, and I've had one other client who's had tuberculosis in my ten years. So not not something that I commonly come across. No. Yeah. Absolutely. Let's do that. Yeah. Do you wanna do the thirteenth? Sold. First thing in the morning? You let me know. I'm basically in from, like, 6AM. Not that I generally wanna talk to anyone at that time in the morning, but Oh, wow. Okay. Sounds perfect. Do you want me to just do this and I can invite you to it so that way it pops up in both of our calendars? Yep. Done. Done. I will invite you into it so that way it has a whole thing and I guess I know how to do that. Amazing. Alright. I will talk to you then then. That's okay, Peter. Speak soon. Bye.","confidence":0.9970703,"words":[{"word":"hi","start":4.08,"end":4.58,"confidence":0.95214844,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.08366689831018448},{"word":"peter","start":4.64,"end":5.04,"confidence":0.9812012,"punctuated_word":"Peter.","sentiment":"neutral","sentiment_score":0.14215517044067383},{"word":"larissa","start":5.04,"end":5.54,"confidence":0.9555664,"punctuated_word":"Larissa","sentiment":"neutral","sentiment_score":0.16145485639572144},{"word":"from","start":5.6,"end":5.8399997,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1983984112739563},{"word":"ophi","start":5.8399997,"end":6.08,"confidence":0.5983887,"punctuated_word":"Ophi","sentiment":"neutral","sentiment_score":0.15126833319664},{"word":"financial","start":6.08,"end":6.56,"confidence":0.95947266,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.15886345505714417},{"word":"how","start":6.56,"end":6.72,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.22433528304100037},{"word":"are","start":6.72,"end":6.8799996,"confidence":0.98095703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.20617228746414185},{"word":"you","start":6.8799996,"end":6.96,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19939127564430237},{"word":"going","start":6.96,"end":7.46,"confidence":0.97680664,"punctuated_word":"going?","sentiment":"neutral","sentiment_score":0.20467481017112732},{"word":"not","start":10.0,"end":10.4,"confidence":0.9838867,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.32339534163475037},{"word":"bad","start":10.4,"end":10.8,"confidence":1.0,"punctuated_word":"bad.","sentiment":"neutral","sentiment_score":0.24570639431476593},{"word":"it's","start":10.8,"end":11.12,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.13955411314964294},{"word":"been","start":11.12,"end":11.36,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.12197551131248474},{"word":"a","start":11.36,"end":11.5199995,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11680945754051208},{"word":"day","start":11.5199995,"end":11.84,"confidence":0.9465332,"punctuated_word":"day,","sentiment":"neutral","sentiment_score":0.08071789145469666},{"word":"but","start":11.84,"end":12.0,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.082766592502594},{"word":"we're","start":12.0,"end":12.32,"confidence":0.94018555,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.10892768204212187},{"word":"sitting","start":12.32,"end":12.559999,"confidence":0.9970703,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.2038605511188507},{"word":"down","start":12.559999,"end":12.799999,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.17524275183677673},{"word":"with","start":12.799999,"end":13.04,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.22910737991333008},{"word":"a","start":13.04,"end":13.395,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26105886697769165},{"word":"cold","start":13.475,"end":13.875,"confidence":0.99902344,"punctuated_word":"cold","sentiment":"neutral","sentiment_score":0.31750062108039856},{"word":"coffee","start":13.875,"end":14.115001,"confidence":0.9980469,"punctuated_word":"coffee","sentiment":"neutral","sentiment_score":0.28168725967407227},{"word":"that","start":14.115001,"end":14.275001,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1772017925977707},{"word":"i","start":14.275001,"end":14.3550005,"confidence":0.98095703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11061419546604156},{"word":"think","start":14.3550005,"end":14.515,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.12147563695907591},{"word":"i","start":14.515,"end":14.595,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16098061203956604},{"word":"made","start":14.595,"end":14.915001,"confidence":0.9970703,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.2245848923921585},{"word":"five","start":14.915001,"end":15.155001,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.105474591255188},{"word":"hours","start":15.155001,"end":15.395,"confidence":1.0,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":0.14025144279003143},{"word":"ago","start":15.395,"end":15.715,"confidence":1.0,"punctuated_word":"ago","sentiment":"neutral","sentiment_score":0.16655071079730988},{"word":"and","start":15.715,"end":16.215,"confidence":0.9350586,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12237386405467988},{"word":"living","start":16.835001,"end":17.155,"confidence":0.99121094,"punctuated_word":"living","sentiment":"neutral","sentiment_score":0.11061621457338332},{"word":"life","start":17.155,"end":17.655,"confidence":0.9880371,"punctuated_word":"life.","sentiment":"positive","sentiment_score":0.34556469321250916},{"word":"oh","start":43.295,"end":43.455,"confidence":0.72058105,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.018603874370455745},{"word":"i'm","start":43.455,"end":43.775,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.00006683295214315876},{"word":"with","start":43.775,"end":43.935,"confidence":0.9921875,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.008832253515720367},{"word":"you","start":43.935,"end":44.095,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0206381231546402},{"word":"there","start":44.095,"end":44.595,"confidence":0.9880371,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.022192342206835747},{"word":"right","start":44.655,"end":45.055,"confidence":0.5839844,"punctuated_word":"Right","sentiment":"neutral","sentiment_score":0.06389670073986053},{"word":"with","start":45.055,"end":45.215,"confidence":0.8178711,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04737764596939087},{"word":"you","start":45.215,"end":45.375,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06770266592502594},{"word":"there","start":45.375,"end":45.855,"confidence":0.99658203,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.07713541388511658},{"word":"i","start":45.855,"end":46.095,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0896514430642128},{"word":"really","start":46.095,"end":46.415,"confidence":0.9980469,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.09472480416297913},{"word":"am","start":46.415,"end":46.915,"confidence":0.98706055,"punctuated_word":"am.","sentiment":"neutral","sentiment_score":0.132041335105896},{"word":"well","start":47.455,"end":47.695,"confidence":0.9941406,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.08377587050199509},{"word":"i","start":47.695,"end":47.855,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08611533790826797},{"word":"will","start":47.855,"end":48.015,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.11599627882242204},{"word":"keep","start":48.015,"end":48.255,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.1099468469619751},{"word":"it","start":48.255,"end":48.495,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1059422492980957},{"word":"short","start":48.495,"end":48.735,"confidence":0.99902344,"punctuated_word":"short","sentiment":"neutral","sentiment_score":0.11185185611248016},{"word":"and","start":48.735,"end":48.895,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10377500206232072},{"word":"sharp","start":48.895,"end":49.295,"confidence":0.99609375,"punctuated_word":"sharp","sentiment":"neutral","sentiment_score":0.10326451063156128},{"word":"for","start":49.295,"end":49.535,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12913170456886292},{"word":"you","start":49.535,"end":50.035,"confidence":0.97753906,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.12588626146316528},{"word":"i","start":51.295,"end":51.375,"confidence":0.33911133,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.018217824399471283},{"word":"call","start":51.375,"end":51.614998,"confidence":0.34521484,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.019771292805671692},{"word":"before","start":51.695,"end":51.934998,"confidence":0.9951172,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.009919393807649612},{"word":"i","start":51.934998,"end":52.015,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01023314893245697},{"word":"jump","start":52.015,"end":52.255,"confidence":0.9980469,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.016391027718782425},{"word":"into","start":52.255,"end":52.415,"confidence":0.9921875,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.016549456864595413},{"word":"it","start":52.415,"end":52.495,"confidence":0.8039551,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.008352747187018394},{"word":"though","start":52.495,"end":52.655,"confidence":0.9970703,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":0.006910700350999832},{"word":"i","start":52.655,"end":52.815,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.002474509179592133},{"word":"do","start":52.815,"end":52.895,"confidence":0.9921875,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0022855736315250397},{"word":"need","start":52.895,"end":53.055,"confidence":0.9980469,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.006757911294698715},{"word":"to","start":53.055,"end":53.135,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0113571397960186},{"word":"let","start":53.135,"end":53.214996,"confidence":0.99902344,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.007882919162511826},{"word":"you","start":53.214996,"end":53.295,"confidence":0.9873047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013687163591384888},{"word":"know","start":53.295,"end":53.535,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.012516830116510391},{"word":"our","start":53.535,"end":53.614998,"confidence":0.8461914,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.004708290100097656},{"word":"calls","start":53.614998,"end":53.934998,"confidence":1.0,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":-0.0011771246790885923},{"word":"are","start":53.934998,"end":54.095,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.01045406609773636},{"word":"recorded","start":54.095,"end":54.495,"confidence":0.89404297,"punctuated_word":"recorded.","sentiment":"neutral","sentiment_score":0.006914025172591209},{"word":"and","start":54.495,"end":54.655,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.014524893835186958},{"word":"if","start":54.655,"end":54.895,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.024693436920642853},{"word":"i","start":54.895,"end":54.975,"confidence":0.98535156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.026979569345712665},{"word":"could","start":54.975,"end":55.35,"confidence":0.9902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.03381578251719475},{"word":"get","start":55.43,"end":55.47,"confidence":0.66845703,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0244369562715292},{"word":"you","start":55.47,"end":55.51,"confidence":0.984375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02679767645895481},{"word":"to","start":55.51,"end":55.67,"confidence":0.8178711,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.022762760519981384},{"word":"confirm","start":55.67,"end":56.149998,"confidence":0.9941406,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.014350581914186478},{"word":"security","start":56.149998,"end":56.629997,"confidence":0.9892578,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.021590743213891983},{"word":"for","start":56.629997,"end":56.789997,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03132229670882225},{"word":"me","start":56.789997,"end":56.949997,"confidence":0.9719238,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.03189828246831894},{"word":"it","start":56.949997,"end":57.19,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.032501425594091415},{"word":"is","start":57.19,"end":57.69,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.024068273603916168},{"word":"full","start":58.149998,"end":58.309998,"confidence":0.8886719,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.03269210457801819},{"word":"name","start":58.309998,"end":58.55,"confidence":0.99072266,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.02100379206240177},{"word":"date","start":58.55,"end":58.71,"confidence":0.99902344,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.02187098190188408},{"word":"of","start":58.71,"end":58.789997,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01406906545162201},{"word":"birth","start":58.789997,"end":58.949997,"confidence":0.94091797,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.01942063495516777},{"word":"and","start":58.949997,"end":59.109997,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.015316644683480264},{"word":"address","start":59.109997,"end":59.609997,"confidence":0.9838867,"punctuated_word":"address.","sentiment":"neutral","sentiment_score":0.016327152028679848},{"word":"perfect","start":73.895004,"end":74.395004,"confidence":0.80981445,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.29175323247909546},{"word":"alright","start":75.815,"end":76.295,"confidence":0.8745117,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.08836686611175537},{"word":"so","start":76.295,"end":76.535,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.022082600742578503},{"word":"the","start":76.535,"end":76.615,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.016347378492355347},{"word":"reason","start":76.615,"end":76.935,"confidence":0.99902344,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.00009994208812713624},{"word":"of","start":76.935,"end":77.015,"confidence":0.47021484,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.007195424288511276},{"word":"my","start":77.015,"end":77.255005,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.011543061584234238},{"word":"call","start":77.255005,"end":77.415,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":-0.021891139447689056},{"word":"and","start":77.495,"end":77.975,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03058827668428421},{"word":"you","start":77.975,"end":78.135,"confidence":0.9873047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.016758117824792862},{"word":"i","start":78.295,"end":78.455,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.025160636752843857},{"word":"i","start":78.455,"end":78.615005,"confidence":0.5493164,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.036970555782318115},{"word":"know","start":78.615005,"end":78.775,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.04637566953897476},{"word":"that","start":78.775,"end":78.935,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03478586673736572},{"word":"you","start":78.935,"end":79.095,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02254404127597809},{"word":"were","start":79.095,"end":79.255005,"confidence":0.9604492,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.03693882375955582},{"word":"cc'd","start":79.255005,"end":79.575005,"confidence":0.94018555,"punctuated_word":"cc'd","sentiment":"neutral","sentiment_score":-0.0285152830183506},{"word":"in","start":79.575005,"end":79.815,"confidence":0.73291016,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.002041395753622055},{"word":"on","start":79.815,"end":79.895004,"confidence":0.99121094,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.012785281985998154},{"word":"the","start":79.895004,"end":79.975,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0015675723552703855},{"word":"email","start":79.975,"end":80.475,"confidence":0.99121094,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.007741156965494156},{"word":"from","start":80.535,"end":80.855,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.02012408897280693},{"word":"the","start":80.855,"end":81.015,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.020158719271421432},{"word":"insurer","start":81.015,"end":81.515,"confidence":0.93359375,"punctuated_word":"insurer,","sentiment":"neutral","sentiment_score":-0.02297821268439293},{"word":"but","start":82.01,"end":82.25,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.00046637654304504395},{"word":"it","start":82.25,"end":82.75,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0038037262856960297},{"word":"is","start":82.89,"end":82.97,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.010003231465816498},{"word":"to","start":82.97,"end":83.21,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.017943106591701508},{"word":"touch","start":83.21,"end":83.45,"confidence":1.0,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":-0.009963516145944595},{"word":"base","start":83.45,"end":83.77,"confidence":0.99902344,"punctuated_word":"base","sentiment":"neutral","sentiment_score":-0.013445619493722916},{"word":"with","start":83.77,"end":84.01,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.017896655946969986},{"word":"regards","start":84.01,"end":84.41,"confidence":0.9941406,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.006752494722604752},{"word":"to","start":84.41,"end":84.49,"confidence":0.9453125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0008812844753265381},{"word":"the","start":84.49,"end":84.57,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004748109728097916},{"word":"insurance","start":84.57,"end":85.07,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.035431407392024994},{"word":"application","start":85.13,"end":85.53,"confidence":1.0,"punctuated_word":"application","sentiment":"neutral","sentiment_score":-0.011863064020872116},{"word":"that","start":85.53,"end":85.77,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0045174285769462585},{"word":"we","start":85.77,"end":86.01,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0008102916181087494},{"word":"sent","start":86.01,"end":86.33,"confidence":0.9980469,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":-0.008849900215864182},{"word":"through","start":86.33,"end":86.83,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.014167942106723784},{"word":"to","start":87.61,"end":88.11,"confidence":0.9838867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.023462757468223572},{"word":"onepath","start":88.49,"end":88.99,"confidence":0.8083496,"punctuated_word":"OnePath","sentiment":"neutral","sentiment_score":-0.028863951563835144},{"word":"zurich","start":89.05,"end":89.55,"confidence":0.97998047,"punctuated_word":"Zurich.","sentiment":"neutral","sentiment_score":-0.029234252870082855},{"word":"so","start":92.09,"end":92.33,"confidence":0.9291992,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06522080302238464},{"word":"they've","start":92.33,"end":92.65,"confidence":0.7993164,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":-0.07938679307699203},{"word":"come","start":92.65,"end":92.97,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.07987397164106369},{"word":"back","start":92.97,"end":93.29,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.10267282277345656},{"word":"with","start":93.29,"end":93.79,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.11778293550014496},{"word":"post","start":95.655,"end":96.135,"confidence":0.99121094,"punctuated_word":"post","sentiment":"neutral","sentiment_score":-0.10838153958320618},{"word":"post","start":96.135,"end":96.534996,"confidence":0.88720703,"punctuated_word":"post","sentiment":"neutral","sentiment_score":-0.09659954905509947},{"word":"the","start":96.534996,"end":96.695,"confidence":0.9111328,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10549385100603104},{"word":"medical","start":96.695,"end":97.015,"confidence":1.0,"punctuated_word":"medical","sentiment":"neutral","sentiment_score":-0.140361025929451},{"word":"side","start":97.015,"end":97.255,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.09284678846597672},{"word":"of","start":97.255,"end":97.415,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08142924308776855},{"word":"things","start":97.415,"end":97.655,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.08720894157886505},{"word":"and","start":97.655,"end":97.895,"confidence":0.9770508,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08245810121297836},{"word":"and","start":97.895,"end":98.055,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09233817458152772},{"word":"an","start":98.055,"end":98.295,"confidence":0.7050781,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.10745322704315186},{"word":"analysis","start":98.295,"end":98.795,"confidence":0.9980469,"punctuated_word":"analysis","sentiment":"neutral","sentiment_score":-0.14294102787971497},{"word":"that","start":99.815,"end":99.975,"confidence":0.6870117,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11699315905570984},{"word":"they","start":99.975,"end":100.455,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.1361498385667801},{"word":"are","start":100.455,"end":100.615,"confidence":0.9658203,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.13789120316505432},{"word":"only","start":100.615,"end":100.935,"confidence":0.99609375,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.1653396338224411},{"word":"willing","start":100.935,"end":101.255,"confidence":1.0,"punctuated_word":"willing","sentiment":"neutral","sentiment_score":-0.14928947389125824},{"word":"to","start":101.255,"end":101.495,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1319393664598465},{"word":"offer","start":101.495,"end":101.975,"confidence":0.99902344,"punctuated_word":"offer","sentiment":"neutral","sentiment_score":-0.1551499366760254},{"word":"cover","start":101.975,"end":102.475,"confidence":0.85839844,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.11684447526931764},{"word":"for","start":103.415,"end":103.915,"confidence":0.45141602,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.15595923364162445},{"word":"death","start":104.055,"end":104.555,"confidence":0.97265625,"punctuated_word":"death","sentiment":"neutral","sentiment_score":-0.1518847495317459},{"word":"insurance","start":105.095,"end":105.595,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.14992192387580872},{"word":"and","start":105.735,"end":106.055,"confidence":0.8769531,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1046564355492592},{"word":"nothing","start":106.055,"end":106.375,"confidence":1.0,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.08499733358621597},{"word":"on","start":106.375,"end":106.615,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.05410978943109512},{"word":"the","start":106.615,"end":106.775,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07901880890130997},{"word":"total","start":106.775,"end":107.095,"confidence":0.8535156,"punctuated_word":"total","sentiment":"neutral","sentiment_score":-0.11656724661588667},{"word":"pam","start":107.095,"end":107.255,"confidence":0.5108032,"punctuated_word":"pam","sentiment":"neutral","sentiment_score":-0.08792869001626968},{"word":"disability","start":107.255,"end":107.755,"confidence":0.4091797,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":-0.08373120427131653},{"word":"income","start":107.815,"end":108.215,"confidence":0.9951172,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.1131572127342224},{"word":"protection","start":108.215,"end":108.695,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.09729160368442535},{"word":"side","start":108.695,"end":109.195,"confidence":0.98950195,"punctuated_word":"side.","sentiment":"neutral","sentiment_score":-0.0930549055337906},{"word":"they","start":109.23,"end":109.73,"confidence":0.97265625,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.0679781436920166},{"word":"it","start":115.91,"end":116.19,"confidence":0.96435547,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08089794218540192},{"word":"like","start":116.350006,"end":116.51,"confidence":0.98657227,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.08382391929626465},{"word":"that","start":116.51,"end":116.75,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09400900453329086},{"word":"was","start":116.75,"end":117.07,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.10108642280101776},{"word":"a","start":117.07,"end":117.39,"confidence":0.9404297,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":-0.09468205273151398},{"word":"i","start":117.39,"end":117.55,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0993351712822914},{"word":"guess","start":117.55,"end":118.03001,"confidence":0.9975586,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":-0.10489500313997269},{"word":"comorbidity","start":118.03001,"end":118.53001,"confidence":0.9579102,"punctuated_word":"comorbidity,","sentiment":"neutral","sentiment_score":-0.12603019177913666},{"word":"i","start":119.310005,"end":119.39,"confidence":0.9506836,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08717401325702667},{"word":"guess","start":119.39,"end":119.87,"confidence":0.9206543,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":-0.10489292442798616},{"word":"is","start":119.87,"end":120.37,"confidence":0.91015625,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.08918826282024384},{"word":"the","start":120.43,"end":120.590004,"confidence":0.796875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0907449796795845},{"word":"terminology","start":120.590004,"end":121.090004,"confidence":0.9921875,"punctuated_word":"terminology","sentiment":"neutral","sentiment_score":-0.0741129219532013},{"word":"for","start":121.39,"end":121.630005,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0796721875667572},{"word":"them","start":121.630005,"end":122.115,"confidence":0.8720703,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":-0.0792202576994896},{"word":"but","start":122.595,"end":122.915,"confidence":0.98535156,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.05610247328877449},{"word":"it","start":122.915,"end":123.075,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1102064847946167},{"word":"wasn't","start":123.075,"end":123.395,"confidence":1.0,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":-0.08717852830886841},{"word":"the","start":123.395,"end":123.555,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10665404051542282},{"word":"only","start":123.555,"end":123.954994,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.09993983060121536},{"word":"underlying","start":123.954994,"end":124.454994,"confidence":1.0,"punctuated_word":"underlying","sentiment":"neutral","sentiment_score":-0.07633080333471298},{"word":"factor","start":124.755,"end":125.255,"confidence":0.99658203,"punctuated_word":"factor.","sentiment":"neutral","sentiment_score":-0.09290333092212676},{"word":"they","start":125.314995,"end":125.634995,"confidence":0.99902344,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.05866328626871109},{"word":"also","start":125.634995,"end":125.954994,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.0478891059756279},{"word":"had","start":125.954994,"end":126.274994,"confidence":0.94970703,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.050222113728523254},{"word":"the","start":126.274994,"end":126.774994,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0551065057516098},{"word":"homogeneous","start":128.275,"end":128.775,"confidence":0.7402344,"punctuated_word":"homogeneous","sentiment":"neutral","sentiment_score":-0.04082392901182175},{"word":"mthfr","start":129.795,"end":130.295,"confidence":0.92903644,"punctuated_word":"MTHFR","sentiment":"neutral","sentiment_score":-0.038696981966495514},{"word":"cyst","start":131.795,"end":132.19499,"confidence":0.56207275,"punctuated_word":"cyst","sentiment":"neutral","sentiment_score":-0.05001850426197052},{"word":"the","start":132.595,"end":132.755,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05617116391658783},{"word":"genetic","start":132.755,"end":133.235,"confidence":0.9970703,"punctuated_word":"genetic","sentiment":"neutral","sentiment_score":-0.03748235851526261},{"word":"status","start":133.235,"end":133.735,"confidence":1.0,"punctuated_word":"status","sentiment":"neutral","sentiment_score":-0.05194516107439995},{"word":"was","start":134.61,"end":134.85,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.05699532479047775},{"word":"one","start":134.85,"end":135.01001,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.06565731763839722},{"word":"of","start":135.01001,"end":135.17,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04315843433141709},{"word":"the","start":135.17,"end":135.37,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.051380593329668045},{"word":"was","start":135.37,"end":135.57,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.04162575304508209},{"word":"one","start":135.57,"end":135.77,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.053789619356393814},{"word":"of","start":135.77,"end":135.97,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04355190694332123},{"word":"the","start":135.97,"end":136.47,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.047757670283317566},{"word":"contributing","start":137.25,"end":137.75,"confidence":0.98095703,"punctuated_word":"contributing","sentiment":"neutral","sentiment_score":-0.0406208261847496},{"word":"factors","start":137.89,"end":138.39,"confidence":0.99902344,"punctuated_word":"factors","sentiment":"neutral","sentiment_score":-0.022927917540073395},{"word":"as","start":139.89,"end":140.13,"confidence":0.7324219,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.021075788885354996},{"word":"well","start":140.13,"end":140.29001,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.020167917013168335},{"word":"as","start":140.29001,"end":140.79001,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.02560455352067947},{"word":"raynard's","start":141.65001,"end":142.15001,"confidence":0.6286621,"punctuated_word":"Raynard's","sentiment":"neutral","sentiment_score":-0.030245190486311913},{"word":"diabetes","start":143.09001,"end":143.59001,"confidence":0.9880371,"punctuated_word":"diabetes.","sentiment":"neutral","sentiment_score":-0.020621422678232193},{"word":"yes","start":143.89,"end":144.29001,"confidence":0.96899414,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.009602184407413006},{"word":"don't","start":144.29001,"end":144.45001,"confidence":0.98706055,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":-0.021502813324332237},{"word":"be","start":144.45001,"end":144.61,"confidence":0.6381836,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.03277292847633362},{"word":"wrong","start":144.61,"end":144.93001,"confidence":0.9682617,"punctuated_word":"wrong.","sentiment":"neutral","sentiment_score":-0.02279411442577839},{"word":"tuberculosis","start":144.93001,"end":145.43001,"confidence":0.9996745,"punctuated_word":"Tuberculosis","sentiment":"neutral","sentiment_score":-0.06720851361751556},{"word":"did","start":145.57,"end":145.73001,"confidence":0.91845703,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.047918181866407394},{"word":"fall","start":145.73001,"end":145.89,"confidence":0.9941406,"punctuated_word":"fall","sentiment":"neutral","sentiment_score":-0.04883837327361107},{"word":"into","start":145.89,"end":146.13,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.037597160786390305},{"word":"it","start":146.13,"end":146.29001,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.057820990681648254},{"word":"as","start":146.29001,"end":146.37001,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.016477584838867188},{"word":"well","start":146.37001,"end":146.53,"confidence":0.935791,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.04025371000170708},{"word":"but","start":146.53,"end":146.77,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.03908002749085426},{"word":"it","start":146.77,"end":146.85,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09148572385311128},{"word":"was","start":146.85,"end":147.01001,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.08922781050205231},{"word":"just","start":147.01001,"end":147.17,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0736021101474762},{"word":"it","start":147.33,"end":147.41,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1136014685034752},{"word":"was","start":147.41,"end":147.65001,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.10044045746326448},{"word":"the","start":147.65001,"end":147.89,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1053379774093628},{"word":"the","start":147.89,"end":148.13,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09175599366426468},{"word":"number","start":148.13,"end":148.53,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":-0.0795602798461914},{"word":"of","start":148.53,"end":149.03,"confidence":0.9562988,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.0627993792295456},{"word":"i","start":150.74501,"end":150.825,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.29995518922805786},{"word":"guess","start":150.825,"end":151.145,"confidence":0.99560547,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":-0.2713708281517029},{"word":"health","start":151.145,"end":151.46501,"confidence":1.0,"punctuated_word":"health","sentiment":"negative","sentiment_score":-0.3782619535923004},{"word":"concerns","start":151.46501,"end":151.96501,"confidence":0.9970703,"punctuated_word":"concerns","sentiment":"negative","sentiment_score":-0.4156414866447449},{"word":"that","start":152.185,"end":152.345,"confidence":0.9980469,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4552944600582123},{"word":"can","start":152.345,"end":152.845,"confidence":0.99902344,"punctuated_word":"can","sentiment":"negative","sentiment_score":-0.45489656925201416},{"word":"create","start":154.66501,"end":155.145,"confidence":0.92578125,"punctuated_word":"create","sentiment":"negative","sentiment_score":-0.614133358001709},{"word":"higher","start":155.145,"end":155.465,"confidence":0.9951172,"punctuated_word":"higher","sentiment":"negative","sentiment_score":-0.552100419998169},{"word":"risk","start":155.465,"end":155.965,"confidence":0.99658203,"punctuated_word":"risk.","sentiment":"negative","sentiment_score":-0.5094977617263794},{"word":"yeah","start":164.8,"end":165.3,"confidence":0.9284668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.024209681898355484},{"word":"so","start":165.44,"end":165.76,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.028112471103668213},{"word":"it","start":165.76,"end":165.84,"confidence":0.6484375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03990757465362549},{"word":"wasn't","start":165.84,"end":166.08,"confidence":0.9301758,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":-0.04374336823821068},{"word":"it's","start":166.16,"end":166.32,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.07306794822216034},{"word":"not","start":166.32,"end":166.48,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.09721971303224564},{"word":"something","start":166.48,"end":166.8,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.12262903153896332},{"word":"that","start":166.8,"end":167.04,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11393097788095474},{"word":"you're","start":167.04,"end":167.54,"confidence":0.99609375,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.2092665433883667},{"word":"uncommon","start":168.32,"end":168.8,"confidence":0.9873047,"punctuated_word":"uncommon","sentiment":"neutral","sentiment_score":-0.23144212365150452},{"word":"to","start":168.8,"end":169.12,"confidence":0.94311523,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.11260945349931716},{"word":"i","start":169.12,"end":169.2,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08180109411478043},{"word":"guess","start":169.2,"end":169.7,"confidence":0.9914551,"punctuated_word":"guess.","sentiment":"neutral","sentiment_score":-0.07794973999261856},{"word":"yeah","start":171.36,"end":171.86,"confidence":0.92285156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1139107346534729},{"word":"yeah","start":175.095,"end":175.595,"confidence":0.951416,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.19614484906196591},{"word":"yeah","start":179.015,"end":179.515,"confidence":0.9645996,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04272042587399483},{"word":"originally","start":179.735,"end":180.235,"confidence":0.9855957,"punctuated_word":"Originally,","sentiment":"neutral","sentiment_score":-0.062659852206707},{"word":"like","start":180.295,"end":180.455,"confidence":0.9836426,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.005693200975656509},{"word":"the","start":180.455,"end":180.615,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.054911255836486816},{"word":"tuberculosis","start":180.615,"end":181.115,"confidence":0.99902344,"punctuated_word":"tuberculosis","sentiment":"neutral","sentiment_score":-0.10371817648410796},{"word":"was","start":181.41501,"end":181.655,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.04083404690027237},{"word":"only","start":181.655,"end":182.155,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.04297058284282684},{"word":"was","start":182.935,"end":183.175,"confidence":0.96777344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.033421292901039124},{"word":"a","start":183.175,"end":183.335,"confidence":0.70996094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03636273369193077},{"word":"was","start":183.335,"end":183.57501,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.06670782715082169},{"word":"a","start":183.57501,"end":183.735,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07436534762382507},{"word":"concern","start":183.735,"end":184.235,"confidence":0.99902344,"punctuated_word":"concern","sentiment":"neutral","sentiment_score":-0.13745708763599396},{"word":"originally","start":184.85501,"end":185.35501,"confidence":0.76538086,"punctuated_word":"originally,","sentiment":"neutral","sentiment_score":-0.07424609363079071},{"word":"but","start":185.57501,"end":186.05501,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.003743290901184082},{"word":"we","start":186.05501,"end":186.535,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1647108495235443},{"word":"pre","start":186.535,"end":186.85501,"confidence":0.97314453,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":0.2076980322599411},{"word":"assessed","start":186.85501,"end":187.175,"confidence":0.5830078,"punctuated_word":"assessed","sentiment":"neutral","sentiment_score":0.07320529222488403},{"word":"it","start":187.175,"end":187.49501,"confidence":0.7878418,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.11171884834766388},{"word":"and","start":187.49501,"end":187.99501,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.28102657198905945},{"word":"they","start":188.23001,"end":188.39001,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.27774983644485474},{"word":"were","start":188.39001,"end":188.47,"confidence":0.9970703,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.2822939157485962},{"word":"actually","start":188.47,"end":188.87001,"confidence":0.9902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.31045418977737427},{"word":"pretty","start":188.87001,"end":189.19,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.370710551738739},{"word":"okay","start":189.19,"end":189.51001,"confidence":0.99902344,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.2620106041431427},{"word":"with","start":189.51001,"end":189.67001,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.24763821065425873},{"word":"it","start":189.67001,"end":189.91,"confidence":0.9995117,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.17848849296569824},{"word":"it","start":189.91,"end":190.15001,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.03298133611679077},{"word":"was","start":190.15001,"end":190.55,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.06082436442375183},{"word":"just","start":190.55,"end":190.95001,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05190371721982956},{"word":"when","start":190.95001,"end":191.19,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.01201767474412918},{"word":"it","start":191.19,"end":191.27,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05147629976272583},{"word":"came","start":191.27,"end":191.51001,"confidence":1.0,"punctuated_word":"came","sentiment":"neutral","sentiment_score":-0.0102580264210701},{"word":"to","start":191.51001,"end":191.67001,"confidence":0.9831543,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.022503849118947983},{"word":"i","start":191.67001,"end":191.83,"confidence":0.9658203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.008288808166980743},{"word":"guess","start":191.83,"end":192.15001,"confidence":0.99902344,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":-0.02869822084903717},{"word":"the","start":192.15001,"end":192.47,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07797383517026901},{"word":"layers","start":192.47,"end":192.97,"confidence":0.9951172,"punctuated_word":"layers","sentiment":"neutral","sentiment_score":-0.09844867885112762},{"word":"that","start":193.99,"end":194.39001,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.14351612329483032},{"word":"fell","start":194.39001,"end":194.63,"confidence":0.9970703,"punctuated_word":"fell","sentiment":"neutral","sentiment_score":-0.05924481898546219},{"word":"down","start":194.63,"end":195.13,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.05137445032596588},{"word":"the","start":195.19,"end":195.35,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11106758564710616},{"word":"line","start":195.35,"end":195.85,"confidence":0.96850586,"punctuated_word":"line,","sentiment":"neutral","sentiment_score":-0.0916735976934433},{"word":"which","start":196.47,"end":196.71,"confidence":0.8364258,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.1000235676765442},{"word":"is","start":196.71,"end":196.95001,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09193774312734604},{"word":"where","start":196.95001,"end":197.27,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.036510318517684937},{"word":"they","start":197.27,"end":197.43001,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.09595569968223572},{"word":"kind","start":197.43001,"end":197.67001,"confidence":0.98828125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.05313750356435776},{"word":"of","start":197.67001,"end":197.91,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.029483258724212646},{"word":"picked","start":197.91,"end":198.07,"confidence":0.99609375,"punctuated_word":"picked","sentiment":"neutral","sentiment_score":-0.07629630714654922},{"word":"it","start":198.07,"end":198.23001,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.10798607021570206},{"word":"up","start":198.23001,"end":198.73001,"confidence":0.98339844,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.07242880016565323},{"word":"specifically","start":199.11,"end":199.61,"confidence":0.95654297,"punctuated_word":"Specifically,","sentiment":"neutral","sentiment_score":-0.07886984944343567},{"word":"the","start":199.83,"end":199.99,"confidence":0.90283203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07517968863248825},{"word":"one","start":199.99,"end":200.11002,"confidence":0.97314453,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.05035373568534851},{"word":"the","start":200.23001,"end":200.39001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0821458101272583},{"word":"biggest","start":200.39001,"end":200.71,"confidence":1.0,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":-0.06803220510482788},{"word":"key","start":200.71,"end":200.95001,"confidence":0.99902344,"punctuated_word":"key","sentiment":"neutral","sentiment_score":-0.08986260741949081},{"word":"factor","start":200.95001,"end":201.27,"confidence":0.9980469,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":-0.08558463305234909},{"word":"was","start":201.27,"end":201.51001,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.12908555567264557},{"word":"that","start":201.51001,"end":201.67001,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12642613053321838},{"word":"genetic","start":201.67001,"end":202.17001,"confidence":0.97509766,"punctuated_word":"genetic","sentiment":"neutral","sentiment_score":-0.1681404411792755},{"word":"side","start":202.31001,"end":202.55,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.0986333191394806},{"word":"of","start":202.55,"end":202.71,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12378978729248048},{"word":"thing","start":202.71,"end":203.21,"confidence":0.66748047,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.11039302498102188},{"word":"because","start":204.305,"end":204.545,"confidence":0.97265625,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.05231288447976112},{"word":"it's","start":204.545,"end":205.045,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.09275883436203004},{"word":"a","start":205.425,"end":205.585,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1078365296125412},{"word":"genetic","start":205.585,"end":206.065,"confidence":1.0,"punctuated_word":"genetic","sentiment":"neutral","sentiment_score":-0.1153477132320404},{"word":"mutation","start":206.065,"end":206.565,"confidence":1.0,"punctuated_word":"mutation","sentiment":"neutral","sentiment_score":-0.08408664166927338},{"word":"of","start":206.705,"end":206.94499,"confidence":0.9873047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09988197684288024},{"word":"the","start":206.94499,"end":207.185,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12510044872760773},{"word":"cells","start":207.185,"end":207.685,"confidence":0.89453125,"punctuated_word":"cells,","sentiment":"neutral","sentiment_score":-0.1198686957359314},{"word":"which","start":210.465,"end":210.785,"confidence":0.9921875,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.10845571011304855},{"word":"is","start":210.785,"end":211.185,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1224924847483635},{"word":"where","start":211.185,"end":211.505,"confidence":0.9921875,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.09018510580062866},{"word":"things","start":211.505,"end":211.985,"confidence":0.9970703,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.13162624835968018},{"word":"fell","start":211.985,"end":212.305,"confidence":0.984375,"punctuated_word":"fell","sentiment":"neutral","sentiment_score":-0.05770794302225113},{"word":"on","start":212.305,"end":212.545,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.09171312302350998},{"word":"that","start":212.545,"end":212.785,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08962725102901459},{"word":"side","start":212.785,"end":213.285,"confidence":0.9785156,"punctuated_word":"side.","sentiment":"neutral","sentiment_score":-0.08495837450027466},{"word":"but","start":213.825,"end":214.065,"confidence":0.9614258,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.010320864617824554},{"word":"it's","start":214.065,"end":214.225,"confidence":0.7076416,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.012082023546099665},{"word":"essentially","start":214.545,"end":215.045,"confidence":0.9980469,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.0059339068830013275},{"word":"speaking","start":215.105,"end":215.505,"confidence":0.9890137,"punctuated_word":"speaking,","sentiment":"neutral","sentiment_score":0.00766490027308464},{"word":"i","start":215.505,"end":215.58499,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.022893503308296204},{"word":"guess","start":215.58499,"end":215.905,"confidence":0.9016113,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.03441356122493744},{"word":"moving","start":215.905,"end":216.225,"confidence":1.0,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.055547088384628296},{"word":"forward","start":216.225,"end":216.625,"confidence":0.99902344,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.10759631544351578},{"word":"from","start":216.625,"end":216.865,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.0717189610004425},{"word":"here","start":216.865,"end":217.105,"confidence":0.9946289,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.019401665776968},{"word":"there's","start":217.105,"end":217.53,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.0011378228664398191},{"word":"a","start":217.61,"end":217.77,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0014478228986263275},{"word":"couple","start":217.77,"end":217.93,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.020388588309288025},{"word":"of","start":217.93,"end":218.01,"confidence":0.93408203,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02455385774374008},{"word":"different","start":218.01,"end":218.41,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.03636758029460907},{"word":"layers","start":218.41,"end":218.65,"confidence":0.9741211,"punctuated_word":"layers","sentiment":"neutral","sentiment_score":-0.020476743578910828},{"word":"to","start":218.65,"end":218.81,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0007367506623268127},{"word":"it","start":218.81,"end":219.31,"confidence":0.9436035,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.018630653619766235},{"word":"because","start":219.69,"end":220.01,"confidence":0.7558594,"punctuated_word":"Because,","sentiment":"neutral","sentiment_score":-0.007572220638394356},{"word":"originally","start":220.01,"end":220.41,"confidence":0.9995117,"punctuated_word":"originally,","sentiment":"neutral","sentiment_score":-0.015655461698770523},{"word":"we","start":220.41,"end":220.65,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.003933131694793701},{"word":"had","start":220.65,"end":220.73,"confidence":0.92578125,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.0188489630818367},{"word":"applied","start":220.73,"end":221.20999,"confidence":1.0,"punctuated_word":"applied","sentiment":"neutral","sentiment_score":0.003913555294275284},{"word":"for","start":221.20999,"end":221.70999,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.004960443824529648},{"word":"a","start":222.09,"end":222.25,"confidence":0.97998047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.004817066714167595},{"word":"millerlife","start":222.25,"end":222.75,"confidence":0.8364258,"punctuated_word":"MillerLife","sentiment":"neutral","sentiment_score":-0.0019360650330781937},{"word":"milli","start":222.89,"end":223.13,"confidence":0.35131836,"punctuated_word":"milli","sentiment":"neutral","sentiment_score":0.016536351293325424},{"word":"millertpd","start":223.29,"end":223.79,"confidence":0.82926434,"punctuated_word":"MillerTPD","sentiment":"neutral","sentiment_score":-0.01693340390920639},{"word":"and","start":225.29,"end":225.45,"confidence":0.6635742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02425723895430565},{"word":"then","start":225.45,"end":225.93,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0031867288053035736},{"word":"the","start":225.93,"end":226.41,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01293918490409851},{"word":"income","start":226.41,"end":226.73,"confidence":0.9892578,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.055575333535671234},{"word":"protection","start":226.73,"end":227.23,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.04680246114730835},{"word":"at","start":228.17,"end":228.41,"confidence":0.8125,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03189975768327713},{"word":"10","start":228.41,"end":228.56999,"confidence":1.0,"punctuated_word":"10","sentiment":"neutral","sentiment_score":-0.005584772676229477},{"word":"grand","start":228.56999,"end":228.89,"confidence":1.0,"punctuated_word":"grand","sentiment":"neutral","sentiment_score":-0.01351282000541687},{"word":"a","start":228.89,"end":229.05,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.017566174268722534},{"word":"month","start":229.05,"end":229.55,"confidence":0.99365234,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":-0.018193360418081284},{"word":"so","start":230.97499,"end":231.215,"confidence":0.9082031,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.013428926467895508},{"word":"obviously","start":231.215,"end":231.69499,"confidence":1.0,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.01700221374630928},{"word":"the","start":231.69499,"end":231.775,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0001358315348625183},{"word":"tpd","start":231.775,"end":232.275,"confidence":0.98014325,"punctuated_word":"TPD,","sentiment":"neutral","sentiment_score":-0.020913057029247284},{"word":"the","start":232.33499,"end":232.495,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07167471945285797},{"word":"ip","start":232.495,"end":232.995,"confidence":0.99902344,"punctuated_word":"IP","sentiment":"neutral","sentiment_score":-0.06659089028835297},{"word":"declined","start":233.69499,"end":234.19499,"confidence":0.892334,"punctuated_word":"declined.","sentiment":"neutral","sentiment_score":-0.07827655225992203},{"word":"the","start":234.97499,"end":235.215,"confidence":0.9970703,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.007039450109004974},{"word":"life","start":235.215,"end":235.535,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.028212085366249084},{"word":"insurance","start":235.535,"end":236.035,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.0037540867924690247},{"word":"is","start":236.095,"end":236.33499,"confidence":0.9921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.045869529247283936},{"word":"still","start":236.33499,"end":236.83499,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.06031346321105957},{"word":"approved","start":237.215,"end":237.715,"confidence":0.99902344,"punctuated_word":"approved","sentiment":"neutral","sentiment_score":0.045562662184238434},{"word":"on","start":239.375,"end":239.535,"confidence":0.97509766,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06401053071022034},{"word":"that","start":239.535,"end":239.855,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.040421538054943085},{"word":"side","start":239.855,"end":240.355,"confidence":0.9970703,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.04922829568386078},{"word":"with","start":240.895,"end":241.135,"confidence":0.98535156,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.029763970524072647},{"word":"a","start":241.135,"end":241.215,"confidence":0.9482422,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02500084973871708},{"word":"75%","start":241.215,"end":242.015,"confidence":0.9996745,"punctuated_word":"75%","sentiment":"neutral","sentiment_score":0.01688520424067974},{"word":"loading","start":242.015,"end":242.33499,"confidence":0.98291016,"punctuated_word":"loading.","sentiment":"neutral","sentiment_score":0.018874555826187137},{"word":"so","start":242.33499,"end":242.575,"confidence":0.8701172,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.03806360065937042},{"word":"essentially","start":242.575,"end":243.075,"confidence":1.0,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.056490037590265274},{"word":"speaking","start":243.135,"end":243.61499,"confidence":0.9941406,"punctuated_word":"speaking,","sentiment":"neutral","sentiment_score":0.06253715604543686},{"word":"what","start":243.61499,"end":243.935,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08123061060905457},{"word":"that","start":243.935,"end":244.175,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.047146812081336975},{"word":"would","start":244.175,"end":244.575,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.03590574488043785},{"word":"look","start":244.575,"end":244.895,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.02089664712548256},{"word":"like","start":244.895,"end":245.395,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.007479250431060791},{"word":"is","start":245.98,"end":246.48,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.016988150775432587},{"word":"the","start":247.5,"end":247.74,"confidence":0.71435547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0005972236394882202},{"word":"life","start":247.74,"end":247.98,"confidence":0.99902344,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.03421049565076828},{"word":"insurance","start":247.98,"end":248.48,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.01391030102968216},{"word":"premium","start":248.78,"end":249.28,"confidence":1.0,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":-0.015568561851978302},{"word":"originally","start":249.42,"end":249.92,"confidence":0.9614258,"punctuated_word":"originally","sentiment":"neutral","sentiment_score":-0.01696716994047165},{"word":"was","start":250.14,"end":250.54001,"confidence":0.91064453,"punctuated_word":"was,","sentiment":"neutral","sentiment_score":-0.019693760201334953},{"word":"like","start":250.54001,"end":250.86,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.00982237234711647},{"word":"$672","start":250.86,"end":252.96,"confidence":0.8373901,"punctuated_word":"$672,","sentiment":"neutral","sentiment_score":-0.0018280893564224243},{"word":"just","start":253.58,"end":253.82,"confidence":0.87158203,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0031862929463386536},{"word":"around","start":253.82,"end":253.98,"confidence":0.99609375,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.006565980613231659},{"word":"it","start":253.98,"end":254.48,"confidence":0.9797363,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.014698326587677002},{"word":"with","start":255.5,"end":255.74,"confidence":0.9741211,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.0018162056803703308},{"word":"the","start":255.74,"end":255.82,"confidence":0.5214844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011082310229539871},{"word":"75%","start":255.82,"end":256.54,"confidence":0.9980469,"punctuated_word":"75%","sentiment":"neutral","sentiment_score":0.021798836067318916},{"word":"loading","start":256.54,"end":256.86002,"confidence":0.98950195,"punctuated_word":"loading,","sentiment":"neutral","sentiment_score":0.014167023822665216},{"word":"that","start":256.86002,"end":257.02,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.004114337265491486},{"word":"would","start":257.02,"end":257.26,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0014888793230056765},{"word":"change","start":257.26,"end":257.5,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.0023571625351905823},{"word":"it","start":257.5,"end":257.66,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03686431795358658},{"word":"to","start":257.66,"end":257.82,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.016644805669784546},{"word":"about","start":257.82,"end":258.32,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.008324168622493744},{"word":"$11.75","start":258.46,"end":260.175,"confidence":0.9984538,"punctuated_word":"$11.75.","sentiment":"neutral","sentiment_score":-0.015760082751512527},{"word":"that","start":264.41498,"end":264.655,"confidence":0.9980469,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.041761189699172974},{"word":"is","start":264.655,"end":264.97498,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.026614880189299583},{"word":"per","start":264.97498,"end":265.29498,"confidence":0.99902344,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.01762125827372074},{"word":"year","start":265.29498,"end":265.615,"confidence":0.99609375,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.02061643823981285},{"word":"annually","start":265.615,"end":266.115,"confidence":0.9020996,"punctuated_word":"annually.","sentiment":"neutral","sentiment_score":-0.02282359264791012},{"word":"yes","start":266.175,"end":266.675,"confidence":0.99658203,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.024455012753605843},{"word":"1175","start":269.85498,"end":271.315,"confidence":0.95947266,"punctuated_word":"1175.","sentiment":"neutral","sentiment_score":0.004249199293553829},{"word":"now","start":277.13,"end":277.63,"confidence":0.78271484,"punctuated_word":"Now,","sentiment":"neutral","sentiment_score":0.08858616650104523},{"word":"essentially","start":277.85,"end":278.33002,"confidence":0.9980469,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.09605470299720764},{"word":"speaking","start":278.33002,"end":278.83002,"confidence":0.9980469,"punctuated_word":"speaking,","sentiment":"neutral","sentiment_score":0.08647122234106064},{"word":"there's","start":279.21,"end":279.53,"confidence":0.9875488,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.11114798486232758},{"word":"a","start":279.53,"end":279.61002,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12435895204544067},{"word":"couple","start":279.61002,"end":279.77002,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.12818045914173126},{"word":"of","start":279.77002,"end":279.93,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1194114089012146},{"word":"options","start":279.93,"end":280.33002,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.05524915084242821},{"word":"that","start":280.33002,"end":280.49,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1336727887392044},{"word":"we","start":280.49,"end":280.57,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10653524100780488},{"word":"have","start":280.57,"end":280.81,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14700935781002045},{"word":"available","start":280.81,"end":281.31,"confidence":0.99853516,"punctuated_word":"available.","sentiment":"neutral","sentiment_score":0.0921689197421074},{"word":"we","start":281.85,"end":282.01,"confidence":0.9350586,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.1684660017490387},{"word":"can","start":282.01,"end":282.17,"confidence":0.96777344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.20884668827056885},{"word":"proceed","start":282.17,"end":282.57,"confidence":1.0,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":0.21121293306350708},{"word":"with","start":282.57,"end":282.73,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.21620513498783112},{"word":"that","start":282.73,"end":282.97,"confidence":0.9675293,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1760847270488739},{"word":"that","start":282.97,"end":283.13,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.16887269914150238},{"word":"gives","start":283.13,"end":283.37,"confidence":0.99902344,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.17456308007240295},{"word":"you","start":283.37,"end":283.53,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20529331266880035},{"word":"the","start":283.53,"end":283.61002,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1674536168575287},{"word":"life","start":283.61002,"end":283.85,"confidence":0.9970703,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.1536523550748825},{"word":"cover","start":283.85,"end":284.09,"confidence":0.939209,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":0.10448072105646132},{"word":"so","start":284.09,"end":284.25,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15215501189231873},{"word":"if","start":284.25,"end":284.33002,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12364797294139862},{"word":"you","start":284.33002,"end":284.41,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08816548436880112},{"word":"were","start":284.41,"end":284.73,"confidence":0.7944336,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.06375570595264435},{"word":"to","start":284.73,"end":284.89,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06472659111022949},{"word":"pass","start":284.89,"end":285.13,"confidence":0.98095703,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.07039704918861389},{"word":"away","start":285.13,"end":285.63,"confidence":0.97924805,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":-0.03265491500496864},{"word":"diagnose","start":286.09,"end":286.57,"confidence":0.60839844,"punctuated_word":"diagnose","sentiment":"neutral","sentiment_score":-0.04134932905435562},{"word":"terminally","start":286.57,"end":287.05002,"confidence":0.7590332,"punctuated_word":"terminally","sentiment":"neutral","sentiment_score":-0.0948340892791748},{"word":"ill","start":287.05002,"end":287.53,"confidence":0.9975586,"punctuated_word":"ill,","sentiment":"neutral","sentiment_score":-0.0029030442237854004},{"word":"you","start":287.53,"end":287.69,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15435831248760223},{"word":"have","start":287.69,"end":287.93,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16081926226615906},{"word":"that","start":287.93,"end":288.01,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09654802829027176},{"word":"additional","start":288.01,"end":288.51,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.04943671077489853},{"word":"cover","start":288.57,"end":289.07,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.08754472434520721},{"word":"that","start":289.53,"end":289.77002,"confidence":0.98095703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0995313823223114},{"word":"gives","start":289.77002,"end":290.27002,"confidence":1.0,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.033273279666900635},{"word":"the","start":290.435,"end":290.595,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10863077640533449},{"word":"family","start":290.595,"end":291.095,"confidence":1.0,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.011125296354293823},{"word":"reassurance","start":291.155,"end":291.655,"confidence":1.0,"punctuated_word":"reassurance","sentiment":"neutral","sentiment_score":0.1187041401863098},{"word":"in","start":292.515,"end":292.755,"confidence":0.94970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.013540692627429962},{"word":"the","start":292.755,"end":292.915,"confidence":0.9614258,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010709889233112335},{"word":"event","start":292.915,"end":293.315,"confidence":0.9941406,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.02045341208577156},{"word":"that","start":293.315,"end":293.715,"confidence":0.9970703,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.004277152940630913},{"word":"you","start":293.715,"end":293.875,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0014685988426208496},{"word":"know","start":293.875,"end":294.195,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.0030071958899497986},{"word":"the","start":294.195,"end":294.27502,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03390815109014511},{"word":"debts","start":294.27502,"end":294.515,"confidence":0.94189453,"punctuated_word":"debts","sentiment":"neutral","sentiment_score":-0.08555066585540771},{"word":"are","start":294.515,"end":294.67502,"confidence":0.9902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.013687431812286375},{"word":"covered","start":294.67502,"end":295.075,"confidence":0.98583984,"punctuated_word":"covered,","sentiment":"neutral","sentiment_score":0.014470107853412628},{"word":"income's","start":295.075,"end":295.475,"confidence":0.7939453,"punctuated_word":"income's","sentiment":"neutral","sentiment_score":-0.01631087064743042},{"word":"covered","start":295.475,"end":295.795,"confidence":0.9758301,"punctuated_word":"covered,","sentiment":"neutral","sentiment_score":0.019676508381962776},{"word":"all","start":295.795,"end":295.95502,"confidence":0.99121094,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.015058185905218124},{"word":"of","start":295.95502,"end":296.035,"confidence":0.5263672,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0006444118916988373},{"word":"that","start":296.035,"end":296.195,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.004149444401264191},{"word":"kind","start":296.195,"end":296.435,"confidence":0.98828125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.015785228461027145},{"word":"of","start":296.435,"end":296.595,"confidence":0.98535156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13444119691848755},{"word":"stuff","start":296.595,"end":297.095,"confidence":0.609375,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":0.20718638598918915},{"word":"sorted","start":297.23502,"end":297.73502,"confidence":0.984375,"punctuated_word":"sorted.","sentiment":"neutral","sentiment_score":0.21962618827819824},{"word":"you","start":299.55502,"end":299.795,"confidence":0.875,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.17024213075637817},{"word":"then","start":299.795,"end":300.195,"confidence":0.97509766,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.14606793224811554},{"word":"also","start":300.195,"end":300.695,"confidence":0.99609375,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.10865518450737},{"word":"have","start":300.755,"end":301.255,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06882980465888977},{"word":"currently","start":301.39502,"end":301.89502,"confidence":0.73095703,"punctuated_word":"currently,","sentiment":"neutral","sentiment_score":0.10969381034374236},{"word":"because","start":302.035,"end":302.355,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.13830338418483734},{"word":"we","start":302.355,"end":302.595,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16827775537967682},{"word":"didn't","start":302.595,"end":303.075,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":0.07992880791425705},{"word":"close","start":303.075,"end":303.575,"confidence":0.99902344,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.02220846712589264},{"word":"it","start":303.635,"end":304.135,"confidence":0.9926758,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.08655949681997299},{"word":"your","start":304.71,"end":305.21,"confidence":0.94970703,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3344952464103699},{"word":"aware","start":306.23,"end":306.63,"confidence":0.9838867,"punctuated_word":"Aware","sentiment":"neutral","sentiment_score":0.31374529004096985},{"word":"superfund","start":306.63,"end":307.13,"confidence":0.8183594,"punctuated_word":"Superfund","sentiment":"neutral","sentiment_score":0.3244326710700989},{"word":"as","start":307.51,"end":307.67,"confidence":0.9404297,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.29358118772506714},{"word":"well","start":307.67,"end":308.17,"confidence":0.9980469,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.24958612024784088},{"word":"so","start":309.35,"end":309.59,"confidence":0.7988281,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.34557661414146423},{"word":"your","start":309.59,"end":309.91,"confidence":0.86035156,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.46449095010757446},{"word":"aware","start":309.91,"end":310.31,"confidence":1.0,"punctuated_word":"Aware","sentiment":"positive","sentiment_score":0.39058738946914673},{"word":"superfund","start":310.31,"end":310.81,"confidence":0.9944661,"punctuated_word":"Superfund,","sentiment":"positive","sentiment_score":0.446561336517334},{"word":"we","start":310.95,"end":311.11002,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.5543606877326965},{"word":"kept","start":311.11002,"end":311.35,"confidence":1.0,"punctuated_word":"kept","sentiment":"positive","sentiment_score":0.5779025554656982},{"word":"it","start":311.35,"end":311.59,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.41907528042793274},{"word":"open","start":311.59,"end":311.83,"confidence":0.99902344,"punctuated_word":"open","sentiment":"positive","sentiment_score":0.435059517621994},{"word":"with","start":311.83,"end":312.07,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4142862260341644},{"word":"a","start":312.07,"end":312.23,"confidence":0.9951172,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3974575400352478},{"word":"small","start":312.23,"end":312.47,"confidence":1.0,"punctuated_word":"small","sentiment":"neutral","sentiment_score":0.30343618988990784},{"word":"balance","start":312.47,"end":312.79,"confidence":1.0,"punctuated_word":"balance","sentiment":"positive","sentiment_score":0.3389052748680115},{"word":"in","start":312.79,"end":312.95,"confidence":0.9892578,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.41286423802375793},{"word":"it","start":312.95,"end":313.19,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3644206821918487},{"word":"while","start":313.19,"end":313.35,"confidence":0.9951172,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.2575262486934662},{"word":"we","start":313.35,"end":313.51,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3162107765674591},{"word":"were","start":313.51,"end":313.67,"confidence":0.99902344,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.297475129365921},{"word":"going","start":313.67,"end":313.91,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.38461971282958984},{"word":"through","start":313.91,"end":314.15,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.28091859817504883},{"word":"the","start":314.15,"end":314.31,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21194064617156985},{"word":"insurance","start":314.31,"end":314.79,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.1021052673459053},{"word":"side","start":314.79,"end":314.95,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.1143699437379837},{"word":"of","start":314.95,"end":315.11,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3051915466785431},{"word":"things","start":315.11,"end":315.61,"confidence":0.9946289,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.2273302525281906},{"word":"it","start":316.63,"end":316.87,"confidence":0.9506836,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.26153764128685},{"word":"has","start":316.87,"end":317.35,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.2872687876224518},{"word":"72,500","start":317.35,"end":319.85,"confidence":0.99921876,"punctuated_word":"72,500","sentiment":"neutral","sentiment_score":0.18800687789916992},{"word":"of","start":320.38498,"end":320.54498,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1822277009487152},{"word":"life","start":320.54498,"end":321.025,"confidence":0.9111328,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.05333102494478226},{"word":"tpd","start":321.025,"end":321.50497,"confidence":0.71809894,"punctuated_word":"TPD,","sentiment":"neutral","sentiment_score":0.06808291375637054},{"word":"and","start":321.50497,"end":321.745,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1032719388604164},{"word":"then","start":321.745,"end":321.82498,"confidence":0.9716797,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.11125561594963074},{"word":"it","start":321.82498,"end":321.905,"confidence":0.9863281,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16289569437503815},{"word":"has","start":321.905,"end":322.145,"confidence":0.9980469,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.15007348358631134},{"word":"a","start":322.145,"end":322.22498,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1347794532775879},{"word":"thousand","start":322.22498,"end":322.465,"confidence":0.9980469,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.0875639021396637},{"word":"dollars","start":322.465,"end":322.785,"confidence":0.9980469,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.07409416139125824},{"word":"in","start":322.785,"end":322.94498,"confidence":0.94970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06599989533424377},{"word":"ip","start":322.94498,"end":323.44498,"confidence":0.9941406,"punctuated_word":"IP.","sentiment":"neutral","sentiment_score":0.07760067284107208},{"word":"so","start":323.82498,"end":324.065,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12677428126335144},{"word":"now","start":324.065,"end":324.22498,"confidence":0.9951172,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.1760217249393463},{"word":"it's","start":324.22498,"end":324.465,"confidence":0.9863281,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.15524426102638245},{"word":"a","start":324.465,"end":324.54498,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1452682763338089},{"word":"bit","start":324.54498,"end":324.705,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09670509397983552},{"word":"of","start":324.705,"end":324.865,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11081782728433608},{"word":"a","start":324.865,"end":324.94498,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11260056495666504},{"word":"conversation","start":324.94498,"end":325.345,"confidence":1.0,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.08357417583465576},{"word":"as","start":325.345,"end":325.50497,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0632285475730896},{"word":"to","start":325.50497,"end":325.66498,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11222872138023376},{"word":"where","start":325.66498,"end":325.905,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.0920414850115776},{"word":"we","start":325.905,"end":326.065,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1713104546070099},{"word":"go","start":326.065,"end":326.305,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1786346286535263},{"word":"on","start":326.305,"end":326.38498,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.14234498143196106},{"word":"that","start":326.38498,"end":326.54498,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11258165538311005},{"word":"side","start":326.54498,"end":327.04498,"confidence":0.8371582,"punctuated_word":"side.","sentiment":"neutral","sentiment_score":0.1626579612493515},{"word":"because","start":327.345,"end":327.845,"confidence":0.7775879,"punctuated_word":"Because,","sentiment":"neutral","sentiment_score":0.163088858127594},{"word":"essentially","start":327.905,"end":328.405,"confidence":0.9980469,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.09236076474189758},{"word":"speaking","start":328.465,"end":328.965,"confidence":0.99609375,"punctuated_word":"speaking,","sentiment":"neutral","sentiment_score":0.11586195230484007},{"word":"the","start":330.705,"end":330.865,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1855819672346115},{"word":"zurich","start":330.865,"end":331.185,"confidence":0.99902344,"punctuated_word":"Zurich","sentiment":"neutral","sentiment_score":0.08256340771913528},{"word":"policy","start":331.185,"end":331.685,"confidence":0.9892578,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.09204521775245668},{"word":"would","start":331.745,"end":332.145,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.12763682007789612},{"word":"cover","start":332.145,"end":332.645,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.1326969861984253},{"word":"the","start":333.10498,"end":333.26498,"confidence":0.6953125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09040698409080504},{"word":"like","start":333.50497,"end":333.82498,"confidence":0.98999023,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.06434870511293411},{"word":"your","start":333.82498,"end":334.065,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08189663290977478},{"word":"life","start":334.065,"end":334.465,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.0344783216714859},{"word":"needs","start":334.465,"end":334.965,"confidence":0.78515625,"punctuated_word":"needs,","sentiment":"neutral","sentiment_score":0.09719350934028624},{"word":"but","start":336.07,"end":336.23,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06885890662670135},{"word":"it","start":336.23,"end":336.39,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05452533066272736},{"word":"means","start":336.39,"end":336.63,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.013671591877937315},{"word":"that","start":336.63,"end":336.79,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03649270534515381},{"word":"your","start":336.79,"end":337.03,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.01404377818107605},{"word":"tpd","start":337.03,"end":337.53,"confidence":0.99560547,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":-0.09305252879858016},{"word":"income","start":338.07,"end":338.39,"confidence":0.97314453,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.13183023035526276},{"word":"protection","start":338.39,"end":338.89,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.1033363938331604},{"word":"needs","start":338.95,"end":339.43,"confidence":1.0,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":-0.1738234907388687},{"word":"remain","start":339.43,"end":339.93,"confidence":0.9980469,"punctuated_word":"remain","sentiment":"neutral","sentiment_score":0.006305888295173645},{"word":"unmet","start":339.99,"end":340.49,"confidence":0.9983724,"punctuated_word":"unmet.","sentiment":"neutral","sentiment_score":-0.055180877447128296},{"word":"now","start":342.15,"end":342.65,"confidence":0.9873047,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.03085089474916458},{"word":"mhmm","start":343.19,"end":343.69,"confidence":0.9772949,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.015581170096993446},{"word":"so","start":345.75,"end":345.99,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03922342509031296},{"word":"there's","start":345.99,"end":346.23,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.04800150543451309},{"word":"a","start":346.23,"end":346.31,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06192650645971298},{"word":"couple","start":346.31,"end":346.55,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.041947998106479645},{"word":"of","start":346.55,"end":346.71,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06030134856700897},{"word":"options","start":346.71,"end":347.21,"confidence":0.99902344,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":0.0354219451546669},{"word":"option","start":347.43,"end":347.93,"confidence":0.9921875,"punctuated_word":"Option","sentiment":"neutral","sentiment_score":0.0848349779844284},{"word":"one","start":348.23,"end":348.73,"confidence":0.9970703,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.08881776034832001},{"word":"is","start":348.87,"end":349.37,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10892292857170104},{"word":"i","start":350.86502,"end":351.185,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14318545162677765},{"word":"do","start":351.185,"end":351.505,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0947866290807724},{"word":"and","start":351.665,"end":351.905,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11462019383907318},{"word":"i've","start":351.905,"end":352.14502,"confidence":0.9875488,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.05645432695746422},{"word":"i've","start":352.14502,"end":352.465,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04879526421427727},{"word":"already","start":352.465,"end":352.945,"confidence":1.0,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.11059720069169998},{"word":"started","start":352.945,"end":353.445,"confidence":0.8833008,"punctuated_word":"started.","sentiment":"neutral","sentiment_score":0.061768788844347},{"word":"like","start":354.225,"end":354.465,"confidence":0.8557129,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.05312662944197655},{"word":"don't","start":354.465,"end":354.625,"confidence":0.9970703,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.030800161883234978},{"word":"be","start":354.625,"end":354.70502,"confidence":0.5136719,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.01647147536277771},{"word":"me","start":354.70502,"end":354.785,"confidence":0.6801758,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.052906110882759094},{"word":"wrong","start":354.785,"end":355.025,"confidence":0.93359375,"punctuated_word":"wrong.","sentiment":"neutral","sentiment_score":-0.01474914327263832},{"word":"it's","start":355.025,"end":355.185,"confidence":0.99316406,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.024013277143239975},{"word":"not","start":355.185,"end":355.42502,"confidence":0.99609375,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.06312866508960724},{"word":"like","start":355.42502,"end":355.745,"confidence":0.42700195,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.07258515805006027},{"word":"me","start":355.745,"end":355.98502,"confidence":0.5234375,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.11095131933689116},{"word":"twiddling","start":355.98502,"end":356.30502,"confidence":0.9880371,"punctuated_word":"twiddling","sentiment":"neutral","sentiment_score":-0.1424955576658249},{"word":"my","start":356.30502,"end":356.465,"confidence":0.99609375,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.19433051347732544},{"word":"thumbs","start":356.465,"end":356.965,"confidence":0.9667969,"punctuated_word":"thumbs.","sentiment":"neutral","sentiment_score":-0.08530575037002563},{"word":"but","start":357.505,"end":358.005,"confidence":0.96875,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0243421271443367},{"word":"i","start":359.105,"end":359.42502,"confidence":0.9707031,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05480330437421799},{"word":"continue","start":359.42502,"end":359.905,"confidence":0.9970703,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":0.07868815958499908},{"word":"to","start":359.905,"end":360.065,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08782494068145752},{"word":"go","start":360.065,"end":360.225,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.08879562467336655},{"word":"down","start":360.225,"end":360.385,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.12394694983959198},{"word":"the","start":360.385,"end":360.465,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0736049935221672},{"word":"route","start":360.465,"end":360.70502,"confidence":0.96875,"punctuated_word":"route","sentiment":"neutral","sentiment_score":0.10034766793251038},{"word":"of","start":360.70502,"end":360.785,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06929883360862732},{"word":"seeing","start":360.785,"end":361.025,"confidence":0.9951172,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":0.05484571307897568},{"word":"if","start":361.025,"end":361.105,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.060585927218198776},{"word":"there's","start":361.105,"end":361.42502,"confidence":0.99365234,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.05149112269282341},{"word":"any","start":361.42502,"end":361.665,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.04955484718084335},{"word":"other","start":361.665,"end":361.98502,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.0035277605056762695},{"word":"insurers","start":361.98502,"end":362.48502,"confidence":0.9243164,"punctuated_word":"insurers","sentiment":"neutral","sentiment_score":-0.02685830369591713},{"word":"that","start":362.625,"end":362.945,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.029217347502708435},{"word":"would","start":362.945,"end":363.445,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.016474857926368713},{"word":"cover","start":364.04,"end":364.54,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.009914912283420564},{"word":"your","start":365.16,"end":365.48,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.036328330636024475},{"word":"complex","start":365.48,"end":365.88,"confidence":0.99609375,"punctuated_word":"complex","sentiment":"neutral","sentiment_score":-0.0960124060511589},{"word":"medical","start":365.88,"end":366.2,"confidence":1.0,"punctuated_word":"medical","sentiment":"neutral","sentiment_score":-0.0829496830701828},{"word":"history","start":366.2,"end":366.7,"confidence":1.0,"punctuated_word":"history","sentiment":"neutral","sentiment_score":-0.08772677183151245},{"word":"for","start":368.12003,"end":368.28,"confidence":0.78759766,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0306246355175972},{"word":"the","start":368.28,"end":368.78,"confidence":0.8120117,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05019071698188782},{"word":"tpd","start":369.48,"end":369.98,"confidence":0.9289551,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.007701847702264786},{"word":"ip","start":370.04,"end":370.54,"confidence":0.6772461,"punctuated_word":"IP","sentiment":"neutral","sentiment_score":0.026726294308900833},{"word":"side","start":371.32,"end":371.56,"confidence":0.63720703,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.03894336521625519},{"word":"of","start":371.56,"end":371.80002,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05725587531924248},{"word":"things","start":371.80002,"end":372.30002,"confidence":0.99902344,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.047376226633787155},{"word":"option","start":374.04,"end":374.52002,"confidence":0.9243164,"punctuated_word":"Option","sentiment":"neutral","sentiment_score":0.08993344753980637},{"word":"two","start":374.52002,"end":375.02002,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.06100621074438095},{"word":"is","start":375.56,"end":375.88,"confidence":0.9838867,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09335742145776749},{"word":"we","start":375.88,"end":376.12,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1152602955698967},{"word":"start","start":376.12,"end":376.62,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.08547624945640564},{"word":"building","start":377.24002,"end":377.74002,"confidence":1.0,"punctuated_word":"building","sentiment":"neutral","sentiment_score":0.15921679139137268},{"word":"a","start":378.04,"end":378.54,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16076785326004028},{"word":"financial","start":378.91498,"end":379.155,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.0557277649641037},{"word":"buffer","start":379.155,"end":379.63498,"confidence":0.99902344,"punctuated_word":"buffer","sentiment":"neutral","sentiment_score":0.08756168186664581},{"word":"for","start":379.63498,"end":379.79498,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13003183901309967},{"word":"yourself","start":379.79498,"end":380.29498,"confidence":0.99902344,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.17169353365898132},{"word":"whereby","start":380.35498,"end":380.85498,"confidence":0.6245117,"punctuated_word":"whereby","sentiment":"neutral","sentiment_score":0.11097091436386108},{"word":"we","start":380.91498,"end":381.155,"confidence":0.97314453,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23324762284755707},{"word":"start","start":381.155,"end":381.47498,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.22719617187976837},{"word":"directing","start":381.47498,"end":381.955,"confidence":0.99902344,"punctuated_word":"directing","sentiment":"neutral","sentiment_score":0.2643665671348572},{"word":"cash","start":381.955,"end":382.275,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.14835894107818604},{"word":"flow","start":382.275,"end":382.775,"confidence":0.98095703,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":0.27096685767173767},{"word":"into","start":383.155,"end":383.63498,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.24145159125328064},{"word":"a","start":383.63498,"end":383.955,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20494091510772705},{"word":"position","start":383.955,"end":384.455,"confidence":0.8286133,"punctuated_word":"position","sentiment":"neutral","sentiment_score":0.15519767999649048},{"word":"to","start":386.995,"end":387.235,"confidence":0.96533203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19818264245986936},{"word":"kind","start":387.235,"end":387.47498,"confidence":0.9790039,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1829800009727478},{"word":"of","start":387.47498,"end":387.63498,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3013277053833008},{"word":"create","start":387.63498,"end":388.115,"confidence":1.0,"punctuated_word":"create","sentiment":"neutral","sentiment_score":0.2072812616825104},{"word":"that","start":388.115,"end":388.51498,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23121923208236697},{"word":"that","start":388.51498,"end":389.01498,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1941538006067276},{"word":"safety","start":390.03497,"end":390.51498,"confidence":0.9980469,"punctuated_word":"safety","sentiment":"neutral","sentiment_score":0.06033802032470703},{"word":"account","start":390.51498,"end":390.91498,"confidence":0.97021484,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.1491289734840393},{"word":"so","start":390.91498,"end":391.155,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14052936434745789},{"word":"if","start":391.155,"end":391.315,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1482526659965515},{"word":"anything","start":391.315,"end":391.715,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.12560611963272095},{"word":"happens","start":391.715,"end":392.115,"confidence":0.9013672,"punctuated_word":"happens,","sentiment":"neutral","sentiment_score":0.10681401938199996},{"word":"that's","start":392.115,"end":392.435,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.09412124007940292},{"word":"where","start":392.435,"end":392.75497,"confidence":0.9680176,"punctuated_word":"where,","sentiment":"neutral","sentiment_score":0.07388323545455933},{"word":"i","start":392.75497,"end":392.835,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07223992049694061},{"word":"guess","start":392.835,"end":393.07498,"confidence":0.9848633,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.11027579009532928},{"word":"your","start":393.07498,"end":393.315,"confidence":0.8293457,"punctuated_word":"your,","sentiment":"neutral","sentiment_score":0.052017923444509506},{"word":"like","start":393.315,"end":393.555,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.03669413179159165},{"word":"income","start":393.555,"end":393.875,"confidence":0.9819336,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.03347441554069519},{"word":"protection","start":393.875,"end":394.375,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.043911710381507874},{"word":"income","start":395.44998,"end":395.85,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.027493461966514587},{"word":"would","start":395.85,"end":396.09,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.044439367949962616},{"word":"come","start":396.09,"end":396.41,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.020127706229686737},{"word":"from","start":396.41,"end":396.91,"confidence":0.99902344,"punctuated_word":"from.","sentiment":"neutral","sentiment_score":-0.032470785081386566},{"word":"so","start":396.97,"end":397.29,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02428296208381653},{"word":"if","start":397.29,"end":397.69,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.08998022973537445},{"word":"if","start":397.69,"end":397.85,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1894213855266571},{"word":"you","start":397.85,"end":398.00998,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.19857439398765564},{"word":"were","start":398.00998,"end":398.16998,"confidence":0.5683594,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.18864423036575317},{"word":"fell","start":398.16998,"end":398.33,"confidence":0.7114258,"punctuated_word":"fell","sentiment":"neutral","sentiment_score":-0.23711510002613068},{"word":"into","start":398.33,"end":398.57,"confidence":0.9902344,"punctuated_word":"into","sentiment":"negative","sentiment_score":-0.38347598910331726},{"word":"the","start":398.57,"end":398.65,"confidence":0.97509766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2577393651008606},{"word":"position","start":398.65,"end":398.88998,"confidence":1.0,"punctuated_word":"position","sentiment":"neutral","sentiment_score":-0.3233930170536041},{"word":"of","start":398.88998,"end":398.97,"confidence":0.9580078,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.24434880912303925},{"word":"being","start":398.97,"end":399.21,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.3202778697013855},{"word":"unable","start":399.21,"end":399.53,"confidence":0.99902344,"punctuated_word":"unable","sentiment":"negative","sentiment_score":-0.3632168471813202},{"word":"to","start":399.53,"end":399.61,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.37496545910835266},{"word":"work","start":399.61,"end":399.93,"confidence":0.9995117,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":-0.3221232295036316},{"word":"you","start":399.93,"end":400.09,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.18075823783874512},{"word":"basically","start":400.09,"end":400.49,"confidence":0.9472656,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":-0.13856273889541626},{"word":"have","start":400.49,"end":400.72998,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.19686667621135712},{"word":"a","start":400.72998,"end":400.81,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.32121241092681885},{"word":"bank","start":400.81,"end":401.13,"confidence":1.0,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.2946997880935669},{"word":"account","start":401.13,"end":401.44998,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.2105453610420227},{"word":"that","start":401.44998,"end":401.61,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11119744181632996},{"word":"kind","start":401.61,"end":401.85,"confidence":0.890625,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.07689975947141647},{"word":"of","start":401.85,"end":402.00998,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1093711107969284},{"word":"starts","start":402.00998,"end":402.25,"confidence":0.9375,"punctuated_word":"starts","sentiment":"neutral","sentiment_score":-0.050912193953990936},{"word":"filtering","start":402.25,"end":402.65,"confidence":0.99902344,"punctuated_word":"filtering","sentiment":"neutral","sentiment_score":-0.06807215511798859},{"word":"through","start":402.65,"end":402.88998,"confidence":0.99316406,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.08010458201169968},{"word":"to","start":402.88998,"end":403.05,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1393332481384277},{"word":"cover","start":403.05,"end":403.28998,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.10487675666809082},{"word":"your","start":403.28998,"end":403.69,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.002520546317100525},{"word":"your","start":403.69,"end":404.09,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.007800221443176269},{"word":"needs","start":404.09,"end":404.59,"confidence":0.99609375,"punctuated_word":"needs.","sentiment":"neutral","sentiment_score":-0.07470410317182541},{"word":"so","start":406.25,"end":406.49,"confidence":0.8691406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02664121985435486},{"word":"they're","start":406.49,"end":406.72998,"confidence":0.8894043,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.024058327078819275},{"word":"sort","start":406.72998,"end":406.88998,"confidence":0.98535156,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.02773484587669373},{"word":"of","start":406.88998,"end":407.05,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.003243491053581238},{"word":"the","start":407.05,"end":407.21,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.019638217985630035},{"word":"the","start":407.21,"end":407.37,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011930547654628754},{"word":"two","start":407.37,"end":407.53,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.036016546189785004},{"word":"options","start":407.53,"end":407.85,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":-0.02642162889242172},{"word":"that","start":407.85,"end":408.00998,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02952989935874939},{"word":"we","start":408.00998,"end":408.09,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.051015302538871765},{"word":"have","start":408.09,"end":408.59,"confidence":0.9914551,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":-0.016729209572076797},{"word":"granted","start":409.365,"end":409.845,"confidence":0.8017578,"punctuated_word":"Granted,","sentiment":"neutral","sentiment_score":0.02852918766438961},{"word":"you","start":409.845,"end":410.085,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.030808202922344208},{"word":"do","start":410.085,"end":410.245,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06754491478204727},{"word":"have","start":410.245,"end":410.745,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03628794848918915},{"word":"and","start":411.285,"end":411.525,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0278850719332695},{"word":"then","start":411.525,"end":411.765,"confidence":0.8642578,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.008427441120147705},{"word":"i","start":411.765,"end":411.845,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01491108536720276},{"word":"guess","start":411.845,"end":412.165,"confidence":0.8911133,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.013433493673801422},{"word":"then","start":412.165,"end":412.405,"confidence":0.9921875,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.03731032460927963},{"word":"it's","start":412.405,"end":412.565,"confidence":0.9951172,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.01768576167523861},{"word":"a","start":412.565,"end":412.725,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02207474410533905},{"word":"conversation","start":412.725,"end":413.205,"confidence":0.9863281,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.000041961669921875},{"word":"as","start":413.205,"end":413.365,"confidence":0.93603516,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.06461977958679199},{"word":"to","start":413.365,"end":413.525,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05433718115091324},{"word":"where","start":413.525,"end":413.845,"confidence":0.99609375,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.11227354407310486},{"word":"or","start":413.845,"end":414.005,"confidence":0.9111328,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.017243072390556335},{"word":"what","start":414.005,"end":414.245,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.09012925624847412},{"word":"we","start":414.245,"end":414.485,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.01712667942047119},{"word":"do","start":414.485,"end":414.805,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.013226017355918884},{"word":"in","start":414.805,"end":415.045,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.01552899181842804},{"word":"regards","start":415.045,"end":415.445,"confidence":0.99902344,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.004698991775512695},{"word":"to","start":415.445,"end":415.605,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03792962431907654},{"word":"the","start":415.605,"end":415.765,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11450427770614624},{"word":"aware","start":415.765,"end":416.085,"confidence":0.7631836,"punctuated_word":"Aware","sentiment":"neutral","sentiment_score":0.13146448135375977},{"word":"superfund","start":416.085,"end":416.585,"confidence":0.72998047,"punctuated_word":"Superfund.","sentiment":"neutral","sentiment_score":0.1418985277414322},{"word":"because","start":417.125,"end":417.625,"confidence":0.6270752,"punctuated_word":"Because,","sentiment":"neutral","sentiment_score":-0.09246321022510529},{"word":"realistically","start":417.925,"end":418.425,"confidence":0.9995117,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":-0.1817716360092163},{"word":"like","start":418.645,"end":418.805,"confidence":0.99560547,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.1456926465034485},{"word":"there","start":418.805,"end":419.045,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.21486340463161469},{"word":"are","start":419.045,"end":419.205,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.20110473036766052},{"word":"operation","start":419.205,"end":419.605,"confidence":0.99609375,"punctuated_word":"operation","sentiment":"neutral","sentiment_score":-0.25212475657463074},{"word":"costs","start":419.605,"end":419.765,"confidence":0.7216797,"punctuated_word":"costs","sentiment":"neutral","sentiment_score":-0.2025366723537445},{"word":"with","start":419.765,"end":419.925,"confidence":0.99121094,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1933564245700836},{"word":"the","start":419.925,"end":420.085,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.209532231092453},{"word":"funds","start":420.085,"end":420.405,"confidence":0.6726074,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":-0.17817626893520355},{"word":"don't","start":420.405,"end":420.565,"confidence":0.9995117,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":-0.010829776525497437},{"word":"get","start":420.565,"end":420.805,"confidence":0.9892578,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.042723409831523895},{"word":"me","start":420.805,"end":420.965,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.08597173541784286},{"word":"wrong","start":420.965,"end":421.32,"confidence":1.0,"punctuated_word":"wrong.","sentiment":"neutral","sentiment_score":-0.07413074374198914},{"word":"there's","start":423.08002,"end":423.58002,"confidence":0.96899414,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.12144982814788818},{"word":"the","start":424.04,"end":424.28,"confidence":0.74902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13547511398792267},{"word":"premiums","start":424.28,"end":424.78,"confidence":0.5703125,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":-0.19203466176986697},{"word":"to","start":424.84,"end":425.08002,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16374604403972626},{"word":"to","start":425.08002,"end":425.4,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14554768800735474},{"word":"to","start":425.4,"end":425.48,"confidence":0.96875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11643169075250626},{"word":"pay","start":425.48,"end":425.72,"confidence":0.9980469,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.128767728805542},{"word":"for","start":425.72,"end":425.80002,"confidence":0.97998047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.07582920789718628},{"word":"that","start":425.80002,"end":425.96002,"confidence":0.9863281,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0879170373082161},{"word":"insurance","start":425.96002,"end":426.28,"confidence":0.9863281,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.11013484001159668},{"word":"is","start":426.28,"end":426.44,"confidence":0.9926758,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":-0.14024996757507324},{"word":"you","start":426.44,"end":426.52002,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13313069939613342},{"word":"know","start":426.52002,"end":426.76,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.11429020762443542},{"word":"$330","start":426.76,"end":427.72,"confidence":0.97766113,"punctuated_word":"$330","sentiment":"neutral","sentiment_score":-0.11651048064231873},{"word":"a","start":427.72,"end":427.80002,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12167324870824814},{"word":"year","start":427.80002,"end":428.30002,"confidence":0.8781738,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.10692137479782104},{"word":"but","start":428.84,"end":429.0,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0992721989750862},{"word":"it's","start":429.0,"end":429.48,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2795499563217163},{"word":"really","start":429.48,"end":429.88,"confidence":1.0,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.34705328941345215},{"word":"nothing","start":429.88,"end":430.36002,"confidence":1.0,"punctuated_word":"nothing","sentiment":"negative","sentiment_score":-0.3423718214035034},{"word":"significant","start":430.36002,"end":430.86002,"confidence":1.0,"punctuated_word":"significant","sentiment":"neutral","sentiment_score":-0.3161254823207855},{"word":"in","start":430.92,"end":431.08002,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.26015856862068176},{"word":"terms","start":431.08002,"end":431.32,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.2884487807750702},{"word":"of","start":431.32,"end":431.56,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2543213963508606},{"word":"of","start":431.56,"end":431.88,"confidence":0.98095703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0938868597149849},{"word":"income","start":431.88,"end":432.38,"confidence":0.9589844,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":-0.12278743088245392},{"word":"but","start":432.6,"end":433.1,"confidence":0.5209961,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.07317356765270233},{"word":"a","start":444.875,"end":445.03497,"confidence":0.99609375,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.017896518111228943},{"word":"thousand","start":445.03497,"end":445.35498,"confidence":1.0,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":-0.031328387558460236},{"word":"dollars","start":445.35498,"end":445.675,"confidence":1.0,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":-0.03104407899081707},{"word":"a","start":445.675,"end":445.835,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04508744552731514},{"word":"month","start":445.835,"end":446.335,"confidence":0.81689453,"punctuated_word":"month?","sentiment":"neutral","sentiment_score":-0.04071769863367081},{"word":"yes","start":449.03497,"end":449.43,"confidence":0.8625488,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.01284765638411045},{"word":"after","start":449.99,"end":450.38998,"confidence":0.98828125,"punctuated_word":"After","sentiment":"neutral","sentiment_score":-0.0431315079331398},{"word":"after","start":450.38998,"end":450.78998,"confidence":0.98095703,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.058151211589574814},{"word":"ninety","start":450.78998,"end":451.11,"confidence":0.99902344,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":-0.07282180339097977},{"word":"days","start":451.11,"end":451.35,"confidence":0.9667969,"punctuated_word":"days,","sentiment":"neutral","sentiment_score":-0.05312579870223999},{"word":"which","start":451.35,"end":451.59,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.04910511523485184},{"word":"means","start":451.59,"end":451.83,"confidence":0.8322754,"punctuated_word":"means,","sentiment":"neutral","sentiment_score":-0.04717234894633293},{"word":"essentially","start":451.83,"end":452.31,"confidence":0.9980469,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":-0.023227615281939507},{"word":"you","start":452.31,"end":452.47,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02709067612886429},{"word":"get","start":452.47,"end":452.63,"confidence":0.99121094,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.053962718695402145},{"word":"your","start":452.63,"end":452.87,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.06906703114509583},{"word":"first","start":452.87,"end":453.19,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.07430239766836166},{"word":"payment","start":453.19,"end":453.69,"confidence":1.0,"punctuated_word":"payment","sentiment":"neutral","sentiment_score":-0.08492594212293625},{"word":"day","start":454.15,"end":454.38998,"confidence":0.7661133,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.02940335124731064},{"word":"one","start":454.38998,"end":454.87,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.0951705127954483},{"word":"twenty","start":454.87,"end":455.37,"confidence":0.9980469,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":-0.06218647211790085},{"word":"of","start":455.43,"end":455.59,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1257200837135315},{"word":"being","start":455.59,"end":455.83,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.1554399132728577},{"word":"off","start":455.83,"end":456.07,"confidence":0.9980469,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.0695112943649292},{"word":"work","start":456.07,"end":456.57,"confidence":0.9975586,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":-0.10509097576141356},{"word":"so","start":460.94998,"end":461.44998,"confidence":0.8647461,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.10314672440290452},{"word":"it's","start":461.50998,"end":461.91,"confidence":0.9013672,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.244274377822876},{"word":"it's","start":461.91,"end":462.285,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.38946181535720825},{"word":"jack","start":462.845,"end":463.085,"confidence":0.9135742,"punctuated_word":"jack","sentiment":"negative","sentiment_score":-0.5265102982521057},{"word":"of","start":463.085,"end":463.245,"confidence":0.94628906,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5715856552124023},{"word":"you","start":463.48502,"end":463.645,"confidence":0.79003906,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.5169933438301086},{"word":"know","start":463.645,"end":463.805,"confidence":0.95947266,"punctuated_word":"know,","sentiment":"negative","sentiment_score":-0.3936772644519806},{"word":"it's","start":463.805,"end":464.045,"confidence":0.8869629,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.4121596813201904},{"word":"it's","start":464.045,"end":464.20502,"confidence":0.9909668,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.377750039100647},{"word":"it's","start":464.20502,"end":464.365,"confidence":0.7866211,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.4515554308891296},{"word":"jackal","start":464.365,"end":464.765,"confidence":0.8430176,"punctuated_word":"jackal","sentiment":"negative","sentiment_score":-0.553687572479248},{"word":"in","start":464.765,"end":464.92502,"confidence":0.99316406,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.4700239896774292},{"word":"terms","start":464.92502,"end":465.165,"confidence":1.0,"punctuated_word":"terms","sentiment":"negative","sentiment_score":-0.3592081069946289},{"word":"of","start":465.165,"end":465.405,"confidence":0.99902344,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4930802583694458},{"word":"cost","start":465.405,"end":465.905,"confidence":0.99365234,"punctuated_word":"cost.","sentiment":"negative","sentiment_score":-0.4468162059783935},{"word":"it's","start":466.445,"end":466.845,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"negative","sentiment_score":-0.42828369140625},{"word":"not","start":466.845,"end":467.245,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.4647959768772125},{"word":"exactly","start":467.245,"end":467.745,"confidence":0.99902344,"punctuated_word":"exactly","sentiment":"negative","sentiment_score":-0.44796472787857056},{"word":"covering","start":467.805,"end":468.285,"confidence":1.0,"punctuated_word":"covering","sentiment":"negative","sentiment_score":-0.5009494423866272},{"word":"anything","start":468.285,"end":468.785,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"negative","sentiment_score":-0.4556677043437958},{"word":"much","start":469.405,"end":469.805,"confidence":0.9970703,"punctuated_word":"much","sentiment":"negative","sentiment_score":-0.4366622567176819},{"word":"in","start":469.805,"end":469.965,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.31699496507644653},{"word":"terms","start":469.965,"end":470.365,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.2037828266620636},{"word":"of","start":470.365,"end":470.605,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2288760095834732},{"word":"income","start":470.605,"end":471.105,"confidence":0.97753906,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":-0.297325074672699},{"word":"but","start":471.645,"end":472.145,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.2567637860774994},{"word":"it's","start":472.765,"end":473.005,"confidence":0.8820801,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.37062928080558777},{"word":"sort","start":473.005,"end":473.245,"confidence":0.99121094,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.2963874936103821},{"word":"of","start":473.245,"end":473.405,"confidence":0.99902344,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.36838865280151367},{"word":"a","start":473.405,"end":473.565,"confidence":0.9091797,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.33446383476257324},{"word":"something's","start":473.565,"end":474.065,"confidence":0.67041016,"punctuated_word":"something's","sentiment":"negative","sentiment_score":-0.3718254566192627},{"word":"better","start":474.20502,"end":474.525,"confidence":0.99316406,"punctuated_word":"better","sentiment":"negative","sentiment_score":-0.3608945608139038},{"word":"than","start":474.525,"end":474.765,"confidence":0.99902344,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.27845507860183716},{"word":"nothing","start":474.765,"end":475.265,"confidence":1.0,"punctuated_word":"nothing","sentiment":"negative","sentiment_score":-0.4575200080871582},{"word":"kind","start":475.325,"end":475.565,"confidence":0.9838867,"punctuated_word":"kind","sentiment":"negative","sentiment_score":-0.3446562886238098},{"word":"of","start":475.565,"end":475.725,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3778616487979889},{"word":"position","start":475.725,"end":476.225,"confidence":0.9812012,"punctuated_word":"position.","sentiment":"negative","sentiment_score":-0.3915830850601196},{"word":"so","start":479.22,"end":479.53998,"confidence":0.96972656,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07744194567203522},{"word":"there","start":479.53998,"end":479.78,"confidence":0.95703125,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.09225035458803175},{"word":"is","start":479.78,"end":480.18,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1343936026096344},{"word":"that","start":480.18,"end":480.68,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15043900907039642},{"word":"sort","start":481.37997,"end":481.53998,"confidence":0.78027344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.12539519369602203},{"word":"of","start":481.53998,"end":481.69998,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14313802123069763},{"word":"avenue","start":481.69998,"end":482.18,"confidence":0.99658203,"punctuated_word":"avenue.","sentiment":"neutral","sentiment_score":0.13662895560264587},{"word":"now","start":482.18,"end":482.41998,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1850634217262268},{"word":"that","start":482.41998,"end":482.58,"confidence":0.9873047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.172552227973938},{"word":"would","start":482.58,"end":482.9,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.19983217120170593},{"word":"essentially","start":482.9,"end":483.3,"confidence":0.9716797,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.1739971488714218},{"word":"mean","start":483.3,"end":483.53998,"confidence":0.99902344,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.11701373755931854},{"word":"that","start":483.53998,"end":483.69998,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12463906407356262},{"word":"if","start":483.69998,"end":483.86,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17072823643684387},{"word":"we","start":483.86,"end":483.93997,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14118880033493042},{"word":"want","start":483.93997,"end":484.18,"confidence":0.66259766,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.1726306974887848},{"word":"to","start":484.18,"end":484.25998,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14619266986846924},{"word":"keep","start":484.25998,"end":484.41998,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.11669274419546127},{"word":"that","start":484.41998,"end":484.58,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1462331265211105},{"word":"open","start":484.58,"end":484.97998,"confidence":0.99365234,"punctuated_word":"open,","sentiment":"neutral","sentiment_score":0.15473207831382751},{"word":"we'd","start":484.97998,"end":485.3,"confidence":0.98706055,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":0.21945367753505707},{"word":"kind","start":485.3,"end":485.53998,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.21046243607997897},{"word":"of","start":485.53998,"end":485.69998,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22785064578056335},{"word":"have","start":485.69998,"end":485.93997,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.19193822145462036},{"word":"aware","start":485.93997,"end":486.25998,"confidence":0.8496094,"punctuated_word":"Aware","sentiment":"neutral","sentiment_score":0.2109869122505188},{"word":"super","start":486.25998,"end":486.58,"confidence":0.9760742,"punctuated_word":"Super","sentiment":"positive","sentiment_score":0.3704059720039368},{"word":"as","start":486.58,"end":486.81998,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.20600008964538577},{"word":"literally","start":486.81998,"end":487.21997,"confidence":0.97265625,"punctuated_word":"literally","sentiment":"neutral","sentiment_score":0.11756380647420885},{"word":"just","start":487.21997,"end":487.37997,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14681477844715118},{"word":"an","start":487.37997,"end":487.53998,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.16904409229755402},{"word":"insurance","start":487.53998,"end":488.02,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.10141459107398988},{"word":"fund","start":488.02,"end":488.5,"confidence":0.9733887,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.13128434121608734},{"word":"so","start":488.5,"end":488.65997,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11895963549613953},{"word":"we'd","start":488.65997,"end":488.81998,"confidence":0.7932129,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":0.199174165725708},{"word":"keep","start":488.81998,"end":489.06,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2061140090227127},{"word":"a","start":489.06,"end":489.21997,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20433273911476135},{"word":"really","start":489.21997,"end":489.46,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.2088189572095871},{"word":"small","start":489.46,"end":489.69998,"confidence":1.0,"punctuated_word":"small","sentiment":"neutral","sentiment_score":0.1636347472667694},{"word":"amount","start":489.69998,"end":490.02,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.18507134914398193},{"word":"in","start":490.02,"end":490.18,"confidence":0.98291016,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.22347837686538696},{"word":"the","start":490.18,"end":490.34,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18726713955402377},{"word":"account","start":490.34,"end":490.84,"confidence":0.9375,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.16321125626564026},{"word":"it","start":491.085,"end":491.165,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.1349623203277588},{"word":"would","start":491.165,"end":491.325,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1378117799758911},{"word":"just","start":491.325,"end":491.565,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11839324235916138},{"word":"be","start":491.565,"end":491.805,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.12950287759304047},{"word":"an","start":491.805,"end":492.045,"confidence":0.99609375,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1293196678161621},{"word":"insurance","start":492.045,"end":492.525,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.10355494916439056},{"word":"holding","start":492.525,"end":492.925,"confidence":0.9980469,"punctuated_word":"holding","sentiment":"neutral","sentiment_score":0.13735151290893555},{"word":"account","start":492.925,"end":493.325,"confidence":0.9562988,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.10514652729034424},{"word":"so","start":493.325,"end":493.48502,"confidence":0.8857422,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.11783287674188614},{"word":"basically","start":493.48502,"end":493.885,"confidence":1.0,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.11303290724754332},{"word":"the","start":493.885,"end":494.045,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1675192415714264},{"word":"money","start":494.045,"end":494.285,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.17229501903057098},{"word":"in","start":494.285,"end":494.365,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19618506729602816},{"word":"the","start":494.365,"end":494.525,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15402579307556152},{"word":"account","start":494.525,"end":494.845,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.1250205934047699},{"word":"pays","start":494.845,"end":495.085,"confidence":0.9873047,"punctuated_word":"pays","sentiment":"neutral","sentiment_score":0.095228374004364},{"word":"the","start":495.085,"end":495.245,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12251808494329453},{"word":"premiums","start":495.245,"end":495.725,"confidence":0.83496094,"punctuated_word":"premiums,","sentiment":"neutral","sentiment_score":0.13277211785316467},{"word":"and","start":495.725,"end":495.885,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12313473224639893},{"word":"that's","start":495.885,"end":496.125,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.11040154099464417},{"word":"about","start":496.125,"end":496.365,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0585336908698082},{"word":"it","start":496.365,"end":496.845,"confidence":1.0,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.1041712835431099},{"word":"we","start":496.845,"end":497.005,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.19880177080631256},{"word":"still","start":497.005,"end":497.165,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.23716290295124057},{"word":"make","start":497.165,"end":497.325,"confidence":0.9970703,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.22444480657577515},{"word":"sure","start":497.325,"end":497.48502,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.21561658382415771},{"word":"it's","start":497.48502,"end":497.725,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2675609290599823},{"word":"invested","start":497.725,"end":498.045,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.2474433034658432},{"word":"in","start":498.045,"end":498.285,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2533695101737976},{"word":"a","start":498.285,"end":498.365,"confidence":0.6933594,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21795564889907837},{"word":"in","start":498.365,"end":498.525,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2723695933818817},{"word":"a","start":498.525,"end":498.605,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2818039059638977},{"word":"nice","start":498.605,"end":498.925,"confidence":1.0,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.405716210603714},{"word":"way","start":498.925,"end":499.165,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.3018222749233246},{"word":"to","start":499.165,"end":499.245,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2305186539888382},{"word":"kind","start":499.245,"end":499.485,"confidence":0.8378906,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.20634725689888},{"word":"of","start":499.485,"end":499.565,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2409767210483551},{"word":"still","start":499.565,"end":500.065,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2111007273197174},{"word":"keep","start":500.285,"end":500.525,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.1949828863143921},{"word":"up","start":500.525,"end":500.685,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1814662516117096},{"word":"with","start":500.685,"end":500.925,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.19392763078212735},{"word":"things","start":500.925,"end":501.245,"confidence":0.9875488,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.21275761723518372},{"word":"but","start":501.245,"end":501.485,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1433267593383789},{"word":"we","start":501.485,"end":501.645,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13830013573169708},{"word":"just","start":501.645,"end":501.965,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13698479533195496},{"word":"keep","start":501.965,"end":502.205,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.13974714279174805},{"word":"that","start":502.205,"end":502.445,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16472512483596802},{"word":"there","start":502.445,"end":502.765,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.12863095104694366},{"word":"as","start":502.765,"end":503.265,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.121208555996418},{"word":"literally","start":503.325,"end":503.825,"confidence":0.93408203,"punctuated_word":"literally","sentiment":"neutral","sentiment_score":0.04786123335361481},{"word":"just","start":503.965,"end":504.285,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10937604308128356},{"word":"a","start":504.285,"end":504.365,"confidence":0.8691406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12268868088722228},{"word":"bank","start":504.365,"end":504.685,"confidence":0.9980469,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.09868867695331572},{"word":"account","start":504.685,"end":505.005,"confidence":0.99902344,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.0855020210146904},{"word":"to","start":505.005,"end":505.165,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08665043115615845},{"word":"pay","start":505.165,"end":505.325,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.0360284224152565},{"word":"the","start":505.325,"end":505.485,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06572441011667252},{"word":"insurance","start":505.485,"end":505.885,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.04138502478599548},{"word":"premiums","start":505.885,"end":506.385,"confidence":0.98999023,"punctuated_word":"premiums.","sentiment":"neutral","sentiment_score":0.06965675204992294},{"word":"but","start":507.41998,"end":507.91998,"confidence":0.96777344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.09821470081806184},{"word":"but","start":508.78,"end":508.94,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.14057369530200958},{"word":"it's","start":508.94,"end":509.18,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.13417795300483704},{"word":"kind","start":509.18,"end":509.34,"confidence":0.9716797,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.1295819878578186},{"word":"of","start":509.34,"end":509.41998,"confidence":0.9797363,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.14151334762573242},{"word":"i","start":509.41998,"end":509.5,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.130241259932518},{"word":"guess","start":509.5,"end":509.74,"confidence":0.99853516,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":-0.12291392683982848},{"word":"a","start":509.74,"end":509.9,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11242020130157472},{"word":"wider","start":509.9,"end":510.22,"confidence":0.9980469,"punctuated_word":"wider","sentiment":"neutral","sentiment_score":-0.10050345212221146},{"word":"conversation","start":510.22,"end":510.69998,"confidence":0.9970703,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":-0.07764577865600586},{"word":"as","start":510.69998,"end":510.86,"confidence":0.99316406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.14788039028644562},{"word":"to","start":510.86,"end":510.94,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10940709710121156},{"word":"whether","start":510.94,"end":511.44,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.1130932867527008},{"word":"do","start":511.9,"end":512.14,"confidence":0.5229492,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.12478281557559968},{"word":"you","start":512.14,"end":512.22,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10052618384361268},{"word":"want","start":512.22,"end":512.38,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.11618579179048538},{"word":"me","start":512.38,"end":512.54,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.09275966137647627},{"word":"to","start":512.54,"end":512.62,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1360982060432434},{"word":"start","start":512.62,"end":512.94,"confidence":0.9875488,"punctuated_word":"start,","sentiment":"neutral","sentiment_score":-0.15235744416713717},{"word":"like","start":512.94,"end":513.18,"confidence":0.99853516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.13282659649848938},{"word":"pushing","start":513.18,"end":513.5,"confidence":1.0,"punctuated_word":"pushing","sentiment":"neutral","sentiment_score":-0.1298961043357849},{"word":"a","start":513.5,"end":513.66,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13655126094818115},{"word":"little","start":513.66,"end":513.82,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.11906734853982924},{"word":"bit","start":513.82,"end":513.98,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1957416534423828},{"word":"harder","start":513.98,"end":514.45996,"confidence":1.0,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":-0.19427955150604248},{"word":"in","start":514.45996,"end":514.54,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.21596485376358032},{"word":"terms","start":514.54,"end":515.04,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.11190687865018845},{"word":"of","start":515.1,"end":515.33997,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15353170037269592},{"word":"other","start":515.33997,"end":515.66,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.1861073672771454},{"word":"insurers","start":515.66,"end":516.16,"confidence":0.9707031,"punctuated_word":"insurers","sentiment":"neutral","sentiment_score":-0.1129097267985344},{"word":"and","start":516.22,"end":516.38,"confidence":0.7441406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10210669785737991},{"word":"going","start":516.38,"end":516.62,"confidence":0.99316406,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.08860456943511963},{"word":"down","start":516.62,"end":516.86,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.0393473207950592},{"word":"that","start":516.86,"end":517.1,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04520075023174286},{"word":"line","start":517.1,"end":517.58,"confidence":0.8161621,"punctuated_word":"line?","sentiment":"neutral","sentiment_score":-0.05855957791209221},{"word":"and","start":517.58,"end":517.74,"confidence":0.5810547,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06688994914293289},{"word":"i'm","start":517.74,"end":517.89996,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1883855313062668},{"word":"still","start":517.89996,"end":518.14,"confidence":0.9892578,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.209581658244133},{"word":"happy","start":518.14,"end":518.38,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.23868653178215027},{"word":"to","start":518.38,"end":518.86,"confidence":0.65722656,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.246304988861084},{"word":"still","start":518.86,"end":519.1,"confidence":0.9707031,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.21706271171569824},{"word":"have","start":519.1,"end":519.33997,"confidence":0.7739258,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3611796200275421},{"word":"been","start":519.33997,"end":519.83997,"confidence":0.845459,"punctuated_word":"been,","sentiment":"neutral","sentiment_score":0.31157422065734863},{"word":"because","start":520.965,"end":521.205,"confidence":0.9941406,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1601683497428894},{"word":"it","start":521.205,"end":521.445,"confidence":0.98828125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.26393115520477295},{"word":"means","start":521.445,"end":521.925,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.16607457399368286},{"word":"kinda","start":521.925,"end":522.245,"confidence":0.88134766,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.129376158118248},{"word":"dragging","start":522.245,"end":522.645,"confidence":1.0,"punctuated_word":"dragging","sentiment":"neutral","sentiment_score":0.1853891909122467},{"word":"you","start":522.645,"end":522.805,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15188835561275482},{"word":"through","start":522.805,"end":522.965,"confidence":0.9941406,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.20108135044574735},{"word":"it","start":522.965,"end":523.045,"confidence":0.91845703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.21437689661979675},{"word":"with","start":523.045,"end":523.205,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.035587966442108154},{"word":"me","start":523.205,"end":523.705,"confidence":0.76000977,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.11782964318990707},{"word":"because","start":523.84503,"end":524.165,"confidence":0.45117188,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.02033565938472748},{"word":"there's","start":524.165,"end":524.565,"confidence":0.9812012,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.019151834771037105},{"word":"only","start":524.565,"end":524.885,"confidence":0.99609375,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.0453474223613739},{"word":"a","start":524.885,"end":525.125,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11008233577013016},{"word":"small","start":525.125,"end":525.525,"confidence":0.99902344,"punctuated_word":"small","sentiment":"neutral","sentiment_score":-0.11449158191680908},{"word":"there's","start":525.685,"end":525.925,"confidence":0.99658203,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.15513184666633606},{"word":"only","start":525.925,"end":526.165,"confidence":0.9970703,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.14252425730228424},{"word":"so","start":526.165,"end":526.405,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.16038647294044495},{"word":"much","start":526.405,"end":526.645,"confidence":0.99902344,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.0039023756980896},{"word":"that","start":526.645,"end":526.805,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.010535135865211489},{"word":"i","start":526.805,"end":526.965,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.048221051692962646},{"word":"can","start":526.965,"end":527.125,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.04409146308898926},{"word":"do","start":527.125,"end":527.445,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.040966570377349854},{"word":"independently","start":527.445,"end":527.945,"confidence":0.71875,"punctuated_word":"independently.","sentiment":"neutral","sentiment_score":-0.08136661350727081},{"word":"because","start":528.085,"end":528.585,"confidence":0.99609375,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.09157366305589676},{"word":"as","start":528.645,"end":528.805,"confidence":0.90478516,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.1114470437169075},{"word":"you","start":528.805,"end":528.965,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.038723140954971313},{"word":"saw","start":528.965,"end":529.125,"confidence":0.9951172,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":-0.06903026252985},{"word":"by","start":529.125,"end":529.28503,"confidence":0.9951172,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.08205588161945343},{"word":"the","start":529.28503,"end":529.445,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10885939002037048},{"word":"email","start":529.445,"end":529.945,"confidence":0.99365234,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":-0.1374012529850006},{"word":"zurich","start":530.565,"end":530.965,"confidence":0.984375,"punctuated_word":"Zurich","sentiment":"neutral","sentiment_score":-0.11158941686153412},{"word":"don't","start":530.965,"end":531.28503,"confidence":0.9890137,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.12807461619377136},{"word":"don't","start":531.28503,"end":531.605,"confidence":0.99365234,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.14875219762325287},{"word":"release","start":531.605,"end":532.005,"confidence":0.99609375,"punctuated_word":"release","sentiment":"neutral","sentiment_score":-0.1589145064353943},{"word":"everything","start":532.005,"end":532.505,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.12584632635116577},{"word":"to","start":532.565,"end":532.725,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16190284490585327},{"word":"us","start":532.725,"end":533.1,"confidence":0.99658203,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":-0.12696799635887146},{"word":"we","start":533.66,"end":534.06,"confidence":0.9453125,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.05475663021206856},{"word":"we","start":534.06,"end":534.38,"confidence":0.98291016,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07631047070026398},{"word":"don't","start":534.38,"end":534.88,"confidence":0.94799805,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.13294517993927002},{"word":"it","start":546.445,"end":546.685,"confidence":0.9921875,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.1300581693649292},{"word":"just","start":546.685,"end":546.925,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1110209971666336},{"word":"depends","start":546.925,"end":547.16504,"confidence":1.0,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":-0.1251244843006134},{"word":"on","start":547.16504,"end":547.405,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.10947151482105257},{"word":"who","start":547.405,"end":547.565,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":-0.11154267191886902},{"word":"their","start":547.565,"end":547.885,"confidence":0.8745117,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.12399369478225708},{"word":"reinsurer","start":547.885,"end":548.385,"confidence":0.98657227,"punctuated_word":"reinsurer","sentiment":"neutral","sentiment_score":-0.1185171902179718},{"word":"is","start":548.445,"end":548.84503,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09834976494312286},{"word":"and","start":548.84503,"end":549.16504,"confidence":0.96875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07935769855976105},{"word":"what","start":549.16504,"end":549.485,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.08695583790540695},{"word":"their","start":549.485,"end":549.885,"confidence":0.984375,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.12346616387367249},{"word":"back","start":549.885,"end":550.125,"confidence":0.8310547,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.09783171117305756},{"word":"end","start":550.125,"end":550.625,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.09094294905662537},{"word":"requirements","start":550.685,"end":551.185,"confidence":0.8469238,"punctuated_word":"requirements,","sentiment":"neutral","sentiment_score":-0.11140961945056917},{"word":"pdf","start":552.125,"end":552.625,"confidence":0.56469727,"punctuated_word":"PDF,","sentiment":"neutral","sentiment_score":-0.12528906762599945},{"word":"like","start":553.005,"end":553.325,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.11003680527210236},{"word":"because","start":553.565,"end":553.805,"confidence":0.8588867,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.07789230346679688},{"word":"there's","start":553.805,"end":553.885,"confidence":0.98217773,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.0856800228357315},{"word":"there's","start":553.885,"end":554.125,"confidence":0.9904785,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.08735521137714386},{"word":"a","start":554.125,"end":554.205,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09884953498840332},{"word":"product","start":554.205,"end":554.525,"confidence":0.9941406,"punctuated_word":"product","sentiment":"neutral","sentiment_score":-0.09557753801345824},{"word":"disclosure","start":554.525,"end":554.925,"confidence":0.98535156,"punctuated_word":"disclosure","sentiment":"neutral","sentiment_score":-0.06356406211853027},{"word":"statement","start":554.925,"end":555.325,"confidence":0.9082031,"punctuated_word":"statement,","sentiment":"neutral","sentiment_score":-0.07975659519433975},{"word":"which","start":555.325,"end":555.485,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.06223625689744949},{"word":"is","start":555.485,"end":555.645,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03362836688756943},{"word":"what","start":555.645,"end":555.885,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.00551304966211319},{"word":"we","start":555.885,"end":556.045,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.00973840057849884},{"word":"obviously","start":556.045,"end":556.545,"confidence":0.8911133,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.014563672244548798},{"word":"read","start":556.60504,"end":556.925,"confidence":0.9921875,"punctuated_word":"read","sentiment":"neutral","sentiment_score":-0.062157440930604935},{"word":"to","start":556.925,"end":557.085,"confidence":0.5629883,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03571750968694687},{"word":"make","start":557.085,"end":557.245,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.06525953859090805},{"word":"sure","start":557.245,"end":557.405,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.03387685865163803},{"word":"that","start":557.405,"end":557.565,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.004730135202407837},{"word":"the","start":557.565,"end":557.72504,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.008566796779632568},{"word":"product","start":557.72504,"end":558.045,"confidence":1.0,"punctuated_word":"product","sentiment":"neutral","sentiment_score":-0.05721145868301392},{"word":"is","start":558.045,"end":558.205,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.017945975065231323},{"word":"right","start":558.205,"end":558.445,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.008868448436260223},{"word":"for","start":558.445,"end":558.60504,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.05164840817451477},{"word":"you","start":558.60504,"end":559.05,"confidence":0.8720703,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.07185441255569458},{"word":"but","start":559.13,"end":559.37,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.10845188051462172},{"word":"then","start":559.37,"end":559.87,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.12058448791503906},{"word":"an","start":560.25,"end":560.41,"confidence":0.8798828,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.14152374863624573},{"word":"an","start":560.41,"end":560.57,"confidence":0.81640625,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.12111860513687134},{"word":"insurer","start":560.57,"end":560.97,"confidence":0.98535156,"punctuated_word":"insurer","sentiment":"neutral","sentiment_score":-0.12240257859230042},{"word":"actually","start":560.97,"end":561.13,"confidence":0.96875,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.11635620892047882},{"word":"has","start":561.13,"end":561.37,"confidence":0.9560547,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.12337668985128404},{"word":"a","start":561.37,"end":561.52997,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11318264901638032},{"word":"reinsurer","start":561.52997,"end":562.01,"confidence":0.89697266,"punctuated_word":"reinsurer,","sentiment":"neutral","sentiment_score":-0.09063052386045456},{"word":"and","start":562.01,"end":562.17,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0905969738960266},{"word":"what","start":562.17,"end":562.33,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.09400621056556702},{"word":"happens","start":562.33,"end":562.64996,"confidence":0.9970703,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":-0.0763508602976799},{"word":"is","start":562.64996,"end":562.81,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.08893894404172897},{"word":"the","start":562.81,"end":562.97,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1295810043811798},{"word":"reinsurer","start":562.97,"end":563.45,"confidence":0.9926758,"punctuated_word":"reinsurer","sentiment":"neutral","sentiment_score":-0.08799520134925842},{"word":"sets","start":563.45,"end":563.76996,"confidence":0.9863281,"punctuated_word":"sets","sentiment":"neutral","sentiment_score":-0.12721256911754608},{"word":"rules","start":563.76996,"end":564.01,"confidence":0.9980469,"punctuated_word":"rules","sentiment":"neutral","sentiment_score":-0.13295695185661316},{"word":"and","start":564.01,"end":564.17,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.15581074357032776},{"word":"regulations","start":564.17,"end":564.67,"confidence":0.9790039,"punctuated_word":"regulations","sentiment":"neutral","sentiment_score":-0.17161518335342407},{"word":"for","start":565.20996,"end":565.45,"confidence":0.8701172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.13828006386756897},{"word":"what","start":565.45,"end":565.93,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.15064646303653717},{"word":"can","start":565.93,"end":566.25,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.1495722234249115},{"word":"happen","start":566.25,"end":566.64996,"confidence":0.99902344,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.14145112037658691},{"word":"and","start":566.64996,"end":566.89,"confidence":0.9506836,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13281916081905365},{"word":"what","start":566.89,"end":567.05,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.19802838563919067},{"word":"can't","start":567.05,"end":567.29,"confidence":0.99853516,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.1528407633304596},{"word":"happen","start":567.29,"end":567.61,"confidence":1.0,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.17523449659347534},{"word":"and","start":567.61,"end":567.85,"confidence":0.8364258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12633542716503143},{"word":"what","start":567.85,"end":568.01,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.2098972648382187},{"word":"medicals","start":568.01,"end":568.41,"confidence":0.98413086,"punctuated_word":"medicals","sentiment":"neutral","sentiment_score":-0.24015608429908752},{"word":"they","start":568.41,"end":568.57,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.17464275658130646},{"word":"approve","start":568.57,"end":568.89,"confidence":0.97265625,"punctuated_word":"approve","sentiment":"neutral","sentiment_score":-0.1985483467578888},{"word":"and","start":568.89,"end":569.05,"confidence":0.9589844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.16856692731380463},{"word":"what","start":569.05,"end":569.20996,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.27214929461479187},{"word":"medicals","start":569.20996,"end":569.61,"confidence":0.99560547,"punctuated_word":"medicals","sentiment":"neutral","sentiment_score":-0.28806260228157043},{"word":"they","start":569.61,"end":569.76996,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.21480971574783325},{"word":"don't","start":569.76996,"end":569.93,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.21064859628677368},{"word":"approve","start":569.93,"end":570.33,"confidence":0.9980469,"punctuated_word":"approve","sentiment":"neutral","sentiment_score":-0.21384303271770477},{"word":"and","start":570.33,"end":570.83,"confidence":0.6040039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17079606652259827},{"word":"this","start":570.89,"end":571.275,"confidence":0.6230469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.2814289331436157},{"word":"the","start":571.435,"end":571.755,"confidence":0.93847656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2957155406475067},{"word":"the","start":571.755,"end":571.835,"confidence":0.96533203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.25484415888786316},{"word":"cross","start":571.835,"end":572.23505,"confidence":0.9980469,"punctuated_word":"cross","sentiment":"neutral","sentiment_score":-0.20431171357631683},{"word":"colonization","start":572.23505,"end":572.73505,"confidence":0.9873047,"punctuated_word":"colonization","sentiment":"neutral","sentiment_score":-0.24628186225891113},{"word":"of","start":572.955,"end":573.03503,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2024010419845581},{"word":"everything","start":573.03503,"end":573.53503,"confidence":0.7770996,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":-0.14386165142059326},{"word":"comorbidities","start":573.59503,"end":574.09503,"confidence":0.95910645,"punctuated_word":"Comorbidities","sentiment":"neutral","sentiment_score":-0.04873461276292801},{"word":"is","start":574.47504,"end":574.635,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.013227831572294235},{"word":"what","start":574.635,"end":574.79504,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.009871983900666235},{"word":"they","start":574.79504,"end":574.955,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.014965936541557312},{"word":"refer","start":574.955,"end":575.11505,"confidence":0.9819336,"punctuated_word":"refer","sentiment":"neutral","sentiment_score":-0.004905886948108673},{"word":"to","start":575.11505,"end":575.275,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.002657916396856308},{"word":"it","start":575.275,"end":575.515,"confidence":0.97509766,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.020432263612747192},{"word":"as","start":575.515,"end":576.015,"confidence":0.76049805,"punctuated_word":"as,","sentiment":"neutral","sentiment_score":-0.013618823140859604},{"word":"and","start":576.715,"end":577.11505,"confidence":0.62158203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.012330995872616768},{"word":"and","start":577.11505,"end":577.275,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0142848938703537},{"word":"what","start":577.275,"end":577.515,"confidence":0.99316406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.014647193253040314},{"word":"parameters","start":577.515,"end":578.015,"confidence":0.9941406,"punctuated_word":"parameters","sentiment":"neutral","sentiment_score":-0.04468254745006561},{"word":"they","start":578.075,"end":578.315,"confidence":0.99609375,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.026460882276296616},{"word":"they","start":578.315,"end":578.635,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.032033540308475494},{"word":"do","start":578.635,"end":578.79504,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0298684723675251},{"word":"allow","start":578.79504,"end":579.29504,"confidence":0.97094727,"punctuated_word":"allow.","sentiment":"neutral","sentiment_score":-0.03465402498841286},{"word":"so","start":580.155,"end":580.395,"confidence":0.87597656,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02237671986222267},{"word":"they","start":580.395,"end":580.635,"confidence":0.85498047,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.03409551829099655},{"word":"all","start":580.635,"end":580.875,"confidence":0.46044922,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.045438095927238464},{"word":"are","start":580.875,"end":581.03503,"confidence":0.4736328,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.024537578225135803},{"word":"different","start":581.03503,"end":581.435,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.034746479243040085},{"word":"depending","start":581.435,"end":581.755,"confidence":0.99609375,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":-0.038617268204689026},{"word":"on","start":581.755,"end":581.91504,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.034142717719078064},{"word":"who","start":581.91504,"end":581.995,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":-0.05339228734374046},{"word":"their","start":581.995,"end":582.23505,"confidence":0.91503906,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.05488169938325882},{"word":"reinsurer","start":582.23505,"end":582.73505,"confidence":0.986084,"punctuated_word":"reinsurer","sentiment":"neutral","sentiment_score":-0.06462791562080383},{"word":"is","start":583.195,"end":583.59,"confidence":0.9975586,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.05654227361083031},{"word":"yeah","start":596.355,"end":596.855,"confidence":0.8227539,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00016728881746530533},{"word":"yep","start":601.315,"end":601.815,"confidence":0.9951172,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.007855045609176159},{"word":"yeah","start":624.385,"end":624.885,"confidence":0.87719727,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.009542174637317656},{"word":"do","start":624.905,"end":625.405,"confidence":0.63964844,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.02847379446029663},{"word":"you","start":625.425,"end":625.585,"confidence":0.9873047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01024220883846283},{"word":"know","start":625.585,"end":625.745,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.01208525151014328},{"word":"when","start":625.745,"end":625.985,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.008478827774524689},{"word":"she","start":625.985,"end":626.145,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.05126506835222244},{"word":"had","start":626.145,"end":626.305,"confidence":0.9951172,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.05231549218297005},{"word":"cancer","start":626.305,"end":626.705,"confidence":0.92578125,"punctuated_word":"cancer","sentiment":"neutral","sentiment_score":-0.06473671644926071},{"word":"last","start":626.705,"end":626.945,"confidence":0.73291016,"punctuated_word":"last?","sentiment":"neutral","sentiment_score":-0.04586385935544968},{"word":"because","start":626.945,"end":627.185,"confidence":0.86743164,"punctuated_word":"Because,","sentiment":"neutral","sentiment_score":-0.025775451213121418},{"word":"generally","start":627.185,"end":627.665,"confidence":1.0,"punctuated_word":"generally,","sentiment":"neutral","sentiment_score":-0.03977389261126518},{"word":"it's","start":627.665,"end":628.165,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.05459620803594589},{"word":"a","start":628.465,"end":628.705,"confidence":0.9790039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06162963807582855},{"word":"five","start":628.705,"end":628.945,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.06533226370811462},{"word":"to","start":628.945,"end":629.105,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08550422638654709},{"word":"ten","start":629.105,"end":629.34503,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.07059898227453232},{"word":"year","start":629.34503,"end":629.585,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.05736403539776802},{"word":"rule","start":629.585,"end":630.085,"confidence":0.99902344,"punctuated_word":"rule","sentiment":"neutral","sentiment_score":-0.07271988689899445},{"word":"with","start":630.225,"end":630.465,"confidence":0.98828125,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0979716032743454},{"word":"any","start":630.465,"end":630.705,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.06341671943664551},{"word":"kind","start":630.705,"end":630.945,"confidence":0.98828125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.106414794921875},{"word":"of","start":630.945,"end":631.025,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10126014053821564},{"word":"cancer","start":631.025,"end":631.525,"confidence":1.0,"punctuated_word":"cancer.","sentiment":"neutral","sentiment_score":-0.1004769206047058},{"word":"yeah","start":633.745,"end":634.245,"confidence":0.8457031,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.014800501987338066},{"word":"yep","start":643.37006,"end":643.87006,"confidence":0.8564453,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13388758897781372},{"word":"okay","start":645.05005,"end":645.55005,"confidence":0.9680176,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.14709800481796265},{"word":"yeah","start":645.61005,"end":645.93005,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1714567244052887},{"word":"well","start":645.93005,"end":646.17004,"confidence":0.9975586,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.18315353989601135},{"word":"if","start":646.17004,"end":646.33,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2103978395462036},{"word":"you're","start":646.33,"end":646.49005,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.20846042037010193},{"word":"able","start":646.49005,"end":646.81006,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.1786431074142456},{"word":"to","start":646.81006,"end":646.97003,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16076095402240753},{"word":"find","start":646.97003,"end":647.21,"confidence":0.99902344,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.13446977734565735},{"word":"out","start":647.21,"end":647.45,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1522834300994873},{"word":"and","start":647.45,"end":647.93005,"confidence":0.7739258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13440020382404327},{"word":"even","start":647.93005,"end":648.17004,"confidence":0.9140625,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.15880507230758667},{"word":"if","start":648.17004,"end":648.33,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.18052473664283752},{"word":"you","start":648.33,"end":648.41003,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18026834726333615},{"word":"just","start":648.41003,"end":648.73004,"confidence":0.9902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1556244194507599},{"word":"flick","start":648.73004,"end":648.97003,"confidence":0.8359375,"punctuated_word":"flick","sentiment":"neutral","sentiment_score":0.20520783960819244},{"word":"an","start":648.97003,"end":649.13,"confidence":0.9941406,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1539434939622879},{"word":"email","start":649.13,"end":649.45,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.10820767283439636},{"word":"through","start":649.45,"end":649.61005,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.15225763618946075},{"word":"the","start":649.61005,"end":649.77,"confidence":0.5649414,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14114287495613098},{"word":"to","start":649.93005,"end":650.09,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15467900037765503},{"word":"to","start":650.09,"end":650.25,"confidence":0.9375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16100360453128815},{"word":"jack","start":650.25,"end":650.49005,"confidence":0.8676758,"punctuated_word":"Jack,","sentiment":"neutral","sentiment_score":0.1682494580745697},{"word":"and","start":650.49005,"end":650.65,"confidence":0.7158203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18409697711467743},{"word":"jack","start":650.65,"end":650.81006,"confidence":0.99902344,"punctuated_word":"Jack","sentiment":"neutral","sentiment_score":0.16232609748840332},{"word":"will","start":650.81006,"end":650.97003,"confidence":0.9580078,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.168059840798378},{"word":"pass","start":650.97003,"end":651.13,"confidence":0.9970703,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":0.2577337324619293},{"word":"it","start":651.13,"end":651.29004,"confidence":0.7626953,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.18356004357337952},{"word":"along","start":651.29004,"end":651.53,"confidence":0.9741211,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.25926414132118225},{"word":"and","start":651.53,"end":651.69,"confidence":0.9667969,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1925444602966309},{"word":"let","start":651.69,"end":651.85004,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.21119007468223572},{"word":"me","start":651.85004,"end":652.01,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1868914365768433},{"word":"know","start":652.01,"end":652.51,"confidence":0.95214844,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.1878625899553299},{"word":"absolutely","start":652.91504,"end":653.41504,"confidence":1.0,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.2204151600599289},{"word":"okay","start":658.35504,"end":658.755,"confidence":0.99609375,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.11142927408218384},{"word":"and","start":658.755,"end":658.995,"confidence":0.66308594,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08096669614315033},{"word":"i'll","start":658.995,"end":659.495,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.10233329981565475},{"word":"continue","start":659.555,"end":660.03503,"confidence":1.0,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":0.12420153617858888},{"word":"on","start":660.03503,"end":660.275,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15623359382152557},{"word":"with","start":660.275,"end":660.775,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.104288287460804},{"word":"my","start":660.995,"end":661.495,"confidence":0.99609375,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.11773919314146042},{"word":"plotting","start":661.79504,"end":662.275,"confidence":0.9790039,"punctuated_word":"plotting","sentiment":"neutral","sentiment_score":0.15321126580238342},{"word":"and","start":662.275,"end":662.775,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12818767130374908},{"word":"and","start":662.995,"end":663.235,"confidence":0.9482422,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1036781445145607},{"word":"research","start":663.235,"end":663.735,"confidence":0.99902344,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.12331192195415495},{"word":"on","start":663.875,"end":664.03503,"confidence":0.99121094,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13777944445610046},{"word":"my","start":664.03503,"end":664.275,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.12876328825950625},{"word":"side","start":664.275,"end":664.515,"confidence":0.9970703,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.14418010413646698},{"word":"as","start":664.515,"end":664.755,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15753251314163208},{"word":"well","start":664.755,"end":665.255,"confidence":0.99853516,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1585499346256256},{"word":"the","start":671.82996,"end":671.99,"confidence":0.8984375,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.18410025537014008},{"word":"issue","start":671.99,"end":672.31,"confidence":0.9980469,"punctuated_word":"issue","sentiment":"neutral","sentiment_score":-0.14110857248306274},{"word":"is","start":672.31,"end":672.47,"confidence":0.97314453,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1942085176706314},{"word":"is","start":672.47,"end":672.55,"confidence":0.59765625,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2194892168045044},{"word":"each","start":672.55,"end":672.79,"confidence":0.99609375,"punctuated_word":"each","sentiment":"neutral","sentiment_score":-0.20622918009757996},{"word":"medical","start":672.79,"end":673.11,"confidence":1.0,"punctuated_word":"medical","sentiment":"neutral","sentiment_score":-0.25353097915649414},{"word":"like","start":673.26996,"end":673.35,"confidence":0.9902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.25713589787483215},{"word":"i'd","start":673.35,"end":673.50995,"confidence":1.0,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.1795140951871872},{"word":"love","start":673.50995,"end":673.75,"confidence":0.99902344,"punctuated_word":"love","sentiment":"neutral","sentiment_score":-0.17470993101596832},{"word":"to","start":673.75,"end":673.82996,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15838623046875},{"word":"say","start":673.82996,"end":673.99,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.16025598347187042},{"word":"yes","start":673.99,"end":674.23,"confidence":0.91137695,"punctuated_word":"yes,","sentiment":"neutral","sentiment_score":-0.1326185166835785},{"word":"but","start":674.23,"end":674.47,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.14559470117092133},{"word":"each","start":674.47,"end":674.63,"confidence":1.0,"punctuated_word":"each","sentiment":"neutral","sentiment_score":-0.2129896879196167},{"word":"medical","start":674.63,"end":674.94995,"confidence":1.0,"punctuated_word":"medical","sentiment":"neutral","sentiment_score":-0.3129473924636841},{"word":"case","start":674.94995,"end":675.19,"confidence":0.99902344,"punctuated_word":"case","sentiment":"neutral","sentiment_score":-0.30163025856018066},{"word":"is","start":675.19,"end":675.35,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.20458276569843292},{"word":"different","start":675.35,"end":675.85,"confidence":0.95825195,"punctuated_word":"different.","sentiment":"neutral","sentiment_score":-0.2618357539176941},{"word":"like","start":675.91,"end":676.23,"confidence":0.6829834,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.19539079070091248},{"word":"you're","start":676.23,"end":676.47,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.2520497441291809},{"word":"not","start":676.47,"end":676.70996,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2413608431816101},{"word":"you're","start":676.70996,"end":676.94995,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.33289510011672974},{"word":"not","start":676.94995,"end":677.19,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2670527398586273},{"word":"the","start":677.19,"end":677.35,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3018694221973419},{"word":"most","start":677.35,"end":677.75,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.27718812227249146},{"word":"complex","start":677.75,"end":678.25,"confidence":1.0,"punctuated_word":"complex","sentiment":"negative","sentiment_score":-0.3574216365814209},{"word":"health","start":679.02997,"end":679.35,"confidence":0.9970703,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.29092803597450256},{"word":"case","start":679.35,"end":679.58997,"confidence":0.99316406,"punctuated_word":"case","sentiment":"neutral","sentiment_score":-0.28864777088165283},{"word":"i've","start":679.58997,"end":679.82996,"confidence":0.9970703,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.2622791528701782},{"word":"come","start":679.82996,"end":679.99,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.1764470934867859},{"word":"across","start":679.99,"end":680.38995,"confidence":0.99853516,"punctuated_word":"across.","sentiment":"neutral","sentiment_score":-0.21351955831050873},{"word":"i've","start":680.38995,"end":680.55,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.18315839767456055},{"word":"had","start":680.55,"end":680.87,"confidence":0.9970703,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.14336411654949188},{"word":"i've","start":680.87,"end":681.02997,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.23669378459453583},{"word":"had","start":681.02997,"end":681.50995,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.1963447481393814},{"word":"plenty","start":681.50995,"end":681.91,"confidence":0.9970703,"punctuated_word":"plenty","sentiment":"neutral","sentiment_score":-0.25461071729660034},{"word":"more","start":681.91,"end":682.31,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.2608112692832947},{"word":"complex","start":682.31,"end":682.81,"confidence":0.97998047,"punctuated_word":"complex.","sentiment":"neutral","sentiment_score":-0.26951050758361816},{"word":"honestly","start":684.795,"end":685.27496,"confidence":0.9921875,"punctuated_word":"Honestly,","sentiment":"neutral","sentiment_score":-0.2397373616695404},{"word":"like","start":685.27496,"end":685.77496,"confidence":0.98999023,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.20749019086360931},{"word":"it","start":686.235,"end":686.475,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.184085413813591},{"word":"it","start":686.475,"end":686.71497,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1688641607761383},{"word":"it","start":686.71497,"end":686.955,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1701391637325287},{"word":"it","start":686.955,"end":687.035,"confidence":0.8642578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.165737584233284},{"word":"just","start":687.035,"end":687.195,"confidence":0.98095703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.15222448110580444},{"word":"depends","start":687.195,"end":687.675,"confidence":1.0,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":-0.16548332571983335},{"word":"on","start":687.675,"end":687.915,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.19050642848014832},{"word":"how","start":687.915,"end":688.235,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.20148175954818728},{"word":"everything","start":688.235,"end":688.735,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.16420742869377136},{"word":"connects","start":688.875,"end":689.27496,"confidence":0.99902344,"punctuated_word":"connects","sentiment":"neutral","sentiment_score":-0.1876957416534424},{"word":"together","start":689.27496,"end":689.77496,"confidence":1.0,"punctuated_word":"together","sentiment":"neutral","sentiment_score":-0.14045977592468262},{"word":"and","start":689.995,"end":690.15497,"confidence":0.8256836,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.19587990641593933},{"word":"whether","start":690.15497,"end":690.475,"confidence":0.96972656,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.2465936541557312},{"word":"one","start":690.475,"end":690.635,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.22037288546562195},{"word":"thing","start":690.635,"end":690.875,"confidence":0.9951172,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.2096401005983353},{"word":"links","start":690.875,"end":691.195,"confidence":0.83251953,"punctuated_word":"links","sentiment":"neutral","sentiment_score":-0.2228577136993408},{"word":"to","start":691.195,"end":691.27496,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.24482527375221252},{"word":"another","start":691.27496,"end":691.675,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.27770161628723145},{"word":"that","start":691.675,"end":691.83496,"confidence":0.9580078,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2667866349220276},{"word":"creates","start":691.83496,"end":692.235,"confidence":0.9951172,"punctuated_word":"creates","sentiment":"neutral","sentiment_score":-0.3085169494152069},{"word":"a","start":692.235,"end":692.315,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.303607702255249},{"word":"thing","start":692.315,"end":692.555,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.33119553327560425},{"word":"and","start":692.555,"end":692.71497,"confidence":0.90722656,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.35564902424812317},{"word":"a","start":692.71497,"end":692.795,"confidence":0.7246094,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3762999176979065},{"word":"thing","start":692.795,"end":693.035,"confidence":0.7727051,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":-0.3110242486000061},{"word":"and","start":693.035,"end":693.115,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2954718768596649},{"word":"it","start":693.115,"end":693.27496,"confidence":0.5625,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.29760780930519104},{"word":"and","start":693.27496,"end":693.435,"confidence":0.8774414,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.29626011848449707},{"word":"it","start":693.435,"end":693.595,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.3103049397468567},{"word":"just","start":693.595,"end":693.83496,"confidence":0.99316406,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.35041362047195435},{"word":"spirals","start":693.83496,"end":694.235,"confidence":0.9921875,"punctuated_word":"spirals","sentiment":"negative","sentiment_score":-0.3411416709423065},{"word":"down","start":694.235,"end":694.475,"confidence":0.98291016,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.30701392889022827},{"word":"from","start":694.475,"end":694.635,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.30434495210647583},{"word":"there","start":694.635,"end":695.13,"confidence":0.99902344,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.218876451253891},{"word":"like","start":696.41003,"end":696.65,"confidence":0.9836426,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.08842690289020538},{"word":"i've","start":696.65,"end":696.89,"confidence":0.99560547,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.13350939750671387},{"word":"i've","start":696.89,"end":697.05,"confidence":0.9946289,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.14439138770103457},{"word":"i've","start":697.05,"end":697.37,"confidence":0.84594727,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.14771245419979095},{"word":"i've","start":697.37,"end":697.53,"confidence":0.951416,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.16348163783550262},{"word":"gotten","start":697.53,"end":698.03,"confidence":0.99121094,"punctuated_word":"gotten","sentiment":"neutral","sentiment_score":-0.1663467288017273},{"word":"ex","start":698.57,"end":698.89,"confidence":0.84814453,"punctuated_word":"ex","sentiment":"neutral","sentiment_score":-0.25938382744789124},{"word":"cancer","start":698.89,"end":699.21,"confidence":0.98828125,"punctuated_word":"cancer","sentiment":"neutral","sentiment_score":-0.18752577900886536},{"word":"patients","start":699.21,"end":699.71,"confidence":0.8041992,"punctuated_word":"patients","sentiment":"neutral","sentiment_score":-0.1768840104341507},{"word":"insurance","start":699.77,"end":700.27,"confidence":0.5625,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.19666840136051175},{"word":"in","start":700.33,"end":700.49,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.15143699944019318},{"word":"the","start":700.49,"end":700.57,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14445233345031738},{"word":"past","start":700.57,"end":700.89,"confidence":0.9914551,"punctuated_word":"past.","sentiment":"neutral","sentiment_score":-0.15557721257209778},{"word":"i've","start":700.89,"end":701.05,"confidence":0.98461914,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.11970290541648863},{"word":"i've","start":701.05,"end":701.21,"confidence":0.9980469,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.10072273015975952},{"word":"been","start":701.21,"end":701.37,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.09317432343959808},{"word":"in","start":701.37,"end":701.45,"confidence":0.8432617,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07530927658081055},{"word":"the","start":701.45,"end":701.53,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06568823754787445},{"word":"industry","start":701.53,"end":701.85,"confidence":1.0,"punctuated_word":"industry","sentiment":"neutral","sentiment_score":-0.07751556485891342},{"word":"for","start":701.85,"end":702.01,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.045038897544145584},{"word":"over","start":702.01,"end":702.17004,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.07257943600416183},{"word":"a","start":702.17004,"end":702.33,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07130616158246994},{"word":"decade","start":702.33,"end":702.83,"confidence":0.9160156,"punctuated_word":"decade.","sentiment":"neutral","sentiment_score":-0.09809932112693788},{"word":"so","start":703.13,"end":703.29,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08903740346431732},{"word":"i've","start":703.29,"end":703.53,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.10404058545827866},{"word":"i've","start":703.53,"end":703.85,"confidence":0.9980469,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.11176430433988573},{"word":"seen","start":703.85,"end":704.17,"confidence":0.99902344,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.0817020833492279},{"word":"the","start":704.17,"end":704.33,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15260690450668335},{"word":"changes","start":704.33,"end":704.65,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.1628941297531128},{"word":"as","start":704.65,"end":704.73,"confidence":0.5522461,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.1718687266111374},{"word":"they've","start":704.73,"end":704.97003,"confidence":0.99560547,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":-0.1816713809967041},{"word":"kinda","start":704.97003,"end":705.29,"confidence":0.9370117,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.17255929112434387},{"word":"gone","start":705.29,"end":705.45,"confidence":0.9941406,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.17154961824417114},{"word":"through","start":705.45,"end":705.69,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.15061219036579132},{"word":"over","start":705.69,"end":705.85,"confidence":0.8613281,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.1407555639743805},{"word":"the","start":705.85,"end":705.93,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15755634009838104},{"word":"last","start":705.93,"end":706.33,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.11574380099773408},{"word":"ten","start":706.33,"end":706.57,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.13316984474658966},{"word":"years","start":706.57,"end":706.89,"confidence":0.9562988,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.1385505497455597},{"word":"but","start":706.89,"end":707.05,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.1336608529090881},{"word":"it's","start":707.05,"end":707.21,"confidence":0.9641113,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.20453879237174988},{"word":"just","start":707.21,"end":707.37,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.17815323173999786},{"word":"it's","start":707.45,"end":707.95,"confidence":0.9970703,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.239917516708374},{"word":"it's","start":708.335,"end":708.735,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.25184401869773865},{"word":"how","start":708.735,"end":708.97504,"confidence":0.9448242,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.251420795917511},{"word":"long","start":708.97504,"end":709.215,"confidence":0.99902344,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.21826305985450745},{"word":"space","start":709.215,"end":709.455,"confidence":0.17895508,"punctuated_word":"space","sentiment":"neutral","sentiment_score":-0.26192331314086914},{"word":"is","start":709.455,"end":709.615,"confidence":0.3725586,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2316981703042984},{"word":"doing","start":709.615,"end":709.935,"confidence":0.4925537,"punctuated_word":"doing,","sentiment":"neutral","sentiment_score":-0.17427858710289},{"word":"really","start":709.935,"end":710.435,"confidence":0.99365234,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.12369668483734132},{"word":"yeah","start":724.67004,"end":724.83,"confidence":0.85302734,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05061560869216919},{"word":"yeah","start":724.83,"end":725.07,"confidence":0.8395996,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10536465048789978},{"word":"absolutely","start":725.07,"end":725.57,"confidence":0.9975586,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.2546827495098114},{"word":"sounds","start":725.71,"end":725.95,"confidence":0.96240234,"punctuated_word":"Sounds","sentiment":"neutral","sentiment_score":0.2910171449184418},{"word":"like","start":725.95,"end":726.19,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.29888081550598145},{"word":"a","start":726.19,"end":726.35004,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.28034746646881104},{"word":"plan","start":726.35004,"end":726.67004,"confidence":0.9995117,"punctuated_word":"plan.","sentiment":"neutral","sentiment_score":0.2820049822330475},{"word":"well","start":726.67004,"end":726.91003,"confidence":0.94433594,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.10643141716718674},{"word":"i'll","start":726.91003,"end":727.15,"confidence":0.99853516,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.09909224510192872},{"word":"put","start":727.15,"end":727.31006,"confidence":0.9970703,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.0995689332485199},{"word":"in","start":727.31006,"end":727.47003,"confidence":0.98828125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10297557711601256},{"word":"my","start":727.47003,"end":727.55005,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.12378960847854614},{"word":"calendar","start":727.55005,"end":727.95,"confidence":0.9980469,"punctuated_word":"calendar","sentiment":"neutral","sentiment_score":0.14802947640419006},{"word":"to","start":727.95,"end":728.03,"confidence":0.80908203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11884531378746031},{"word":"touch","start":728.03,"end":728.35004,"confidence":0.99609375,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.098263680934906},{"word":"base","start":728.35004,"end":728.51,"confidence":0.9980469,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.09571267664432526},{"word":"with","start":728.51,"end":728.67004,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1190946400165558},{"word":"you","start":728.67004,"end":729.17004,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11609204858541489},{"word":"in","start":729.71,"end":730.21,"confidence":0.79052734,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1092466562986374},{"word":"sort","start":730.83,"end":730.99005,"confidence":0.89501953,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.05398143082857132},{"word":"of","start":730.99005,"end":731.15,"confidence":0.984375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09807582199573515},{"word":"four","start":731.15,"end":731.31006,"confidence":0.9921875,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.067099928855896},{"word":"weeks","start":731.31006,"end":731.55005,"confidence":1.0,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.055160898715257645},{"word":"or","start":731.55005,"end":731.71,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07775600999593735},{"word":"so","start":731.71,"end":732.21,"confidence":0.8461914,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.06215748190879822},{"word":"but","start":733.47003,"end":733.79004,"confidence":0.91015625,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.041458554565906525},{"word":"i","start":733.79004,"end":733.87006,"confidence":0.6064453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07362056523561478},{"word":"guess","start":733.87006,"end":734.37006,"confidence":1.0,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.07723353803157806},{"word":"how","start":735.365,"end":735.605,"confidence":0.9970703,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.10082787275314332},{"word":"do","start":735.605,"end":735.645,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.12195681035518646},{"word":"you","start":735.645,"end":735.685,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12501583993434906},{"word":"wanna","start":735.685,"end":735.845,"confidence":0.95410156,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.11363983154296876},{"word":"do","start":736.00494,"end":736.165,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.12070032209157944},{"word":"you","start":736.165,"end":736.245,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1371006965637207},{"word":"want","start":736.245,"end":736.32495,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.13681764900684357},{"word":"me","start":736.32495,"end":736.40497,"confidence":0.9980469,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.1118914783000946},{"word":"to","start":736.40497,"end":736.485,"confidence":0.8354492,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15880373120307922},{"word":"just","start":736.485,"end":736.64496,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.13132847845554352},{"word":"put","start":736.64496,"end":736.88495,"confidence":0.9970703,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.18297025561332703},{"word":"things","start":736.88495,"end":737.20496,"confidence":0.7519531,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.14304909110069275},{"word":"things","start":737.20496,"end":737.52496,"confidence":0.8461914,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.16043664515018463},{"word":"on","start":737.52496,"end":737.845,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.24280810356140137},{"word":"hold","start":737.845,"end":738.165,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.17435069382190704},{"word":"for","start":738.165,"end":738.40497,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.18945710361003876},{"word":"now","start":738.40497,"end":738.90497,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.17255373299121857},{"word":"and","start":739.52496,"end":739.76495,"confidence":0.62158203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.19590480625629425},{"word":"obviously","start":739.76495,"end":740.165,"confidence":0.62158203,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.2171243727207184},{"word":"not","start":740.165,"end":740.665,"confidence":0.9326172,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.16852183640003204},{"word":"move","start":740.805,"end":741.125,"confidence":1.0,"punctuated_word":"move","sentiment":"neutral","sentiment_score":-0.219343364238739},{"word":"in","start":741.125,"end":741.365,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1965351551771164},{"word":"any","start":741.365,"end":741.52496,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.1632760763168335},{"word":"direction","start":741.52496,"end":741.845,"confidence":1.0,"punctuated_word":"direction","sentiment":"neutral","sentiment_score":-0.1666218489408493},{"word":"and","start":741.845,"end":742.00494,"confidence":0.96240234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.19888535141944885},{"word":"just","start":742.00494,"end":742.165,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.196109801530838},{"word":"kind","start":742.165,"end":742.40497,"confidence":0.9873047,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.15109489858150482},{"word":"of","start":742.40497,"end":742.565,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.18691568076610565},{"word":"hold","start":742.565,"end":742.805,"confidence":0.9716797,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.15971997380256653},{"word":"and","start":742.805,"end":743.045,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17903470993041992},{"word":"wait","start":743.045,"end":743.285,"confidence":0.95458984,"punctuated_word":"wait?","sentiment":"neutral","sentiment_score":-0.1107880026102066},{"word":"i'll","start":743.285,"end":743.44495,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.0214171689003706},{"word":"do","start":743.44495,"end":743.605,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.047832995653152466},{"word":"my","start":743.605,"end":743.845,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.016007639467716217},{"word":"thing","start":743.845,"end":744.08496,"confidence":0.78149414,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":0.005901850759983063},{"word":"you","start":744.08496,"end":744.245,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.009680770337581636},{"word":"do","start":744.245,"end":744.40497,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.009385474026203156},{"word":"your","start":744.40497,"end":744.565,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01819569617509842},{"word":"thing","start":744.565,"end":744.725,"confidence":0.9765625,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":0.024689096957445145},{"word":"and","start":744.725,"end":744.88495,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.009288005530834198},{"word":"we'll","start":744.88495,"end":745.38495,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.02193998545408249},{"word":"reconvene","start":745.605,"end":746.105,"confidence":0.9996745,"punctuated_word":"reconvene","sentiment":"neutral","sentiment_score":0.01202239654958248},{"word":"in","start":746.245,"end":746.64496,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.029951751232147217},{"word":"three","start":746.64496,"end":746.88495,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.055115532130002975},{"word":"or","start":746.88495,"end":747.045,"confidence":0.9301758,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.03506515920162201},{"word":"four","start":747.045,"end":747.545,"confidence":0.75805664,"punctuated_word":"four?","sentiment":"neutral","sentiment_score":-0.044037699699401855},{"word":"mine's","start":754.99,"end":755.39,"confidence":0.9187012,"punctuated_word":"Mine's","sentiment":"neutral","sentiment_score":-0.00831025280058384},{"word":"just","start":755.39,"end":755.89,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.002959795296192169},{"word":"a","start":756.02997,"end":756.19,"confidence":0.91503906,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0011224132031202316},{"word":"look","start":756.19,"end":756.35,"confidence":0.97802734,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.011726312339305878},{"word":"at","start":756.35,"end":756.51,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.00518881157040596},{"word":"them","start":756.51,"end":756.75,"confidence":0.97998047,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.006288103759288788},{"word":"all","start":756.75,"end":757.15,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.00005233660340309143},{"word":"type","start":757.15,"end":757.31,"confidence":0.9980469,"punctuated_word":"type","sentiment":"neutral","sentiment_score":-0.021447811275720596},{"word":"of","start":757.31,"end":757.55,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.012963604182004929},{"word":"approach","start":757.55,"end":758.05,"confidence":0.8696289,"punctuated_word":"approach,","sentiment":"neutral","sentiment_score":-0.01531326211988926},{"word":"not","start":758.67,"end":758.91,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.05733484774827957},{"word":"a","start":758.91,"end":759.23,"confidence":0.97802734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04623902589082718},{"word":"i'm","start":759.23,"end":759.39,"confidence":0.94873047,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.05386625975370407},{"word":"gonna","start":759.39,"end":759.63,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.14570602774620056},{"word":"pick","start":759.63,"end":759.87,"confidence":0.9980469,"punctuated_word":"pick","sentiment":"neutral","sentiment_score":-0.11195456236600876},{"word":"that","start":759.87,"end":759.95,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04419998079538345},{"word":"one","start":759.95,"end":760.27,"confidence":0.9980469,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.04218731075525284},{"word":"don't","start":760.27,"end":760.43,"confidence":0.89404297,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":0.015726059675216675},{"word":"be","start":760.43,"end":760.51,"confidence":0.9716797,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.015223227441310884},{"word":"wrong","start":760.51,"end":760.83,"confidence":0.96972656,"punctuated_word":"wrong.","sentiment":"neutral","sentiment_score":-0.031451158225536346},{"word":"i","start":760.83,"end":760.99,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14936557412147522},{"word":"can","start":760.99,"end":761.39,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2185027003288269},{"word":"generally","start":761.39,"end":761.87,"confidence":0.94628906,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":0.2449100762605667},{"word":"go","start":761.87,"end":762.19,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2931513786315918},{"word":"i'm","start":762.19,"end":762.27,"confidence":0.8183594,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.29840490221977234},{"word":"gonna","start":762.27,"end":762.58997,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.3522164225578308},{"word":"pick","start":762.58997,"end":762.83,"confidence":0.9980469,"punctuated_word":"pick","sentiment":"positive","sentiment_score":0.4073353409767151},{"word":"that","start":762.83,"end":762.99,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4255135953426361},{"word":"one","start":762.99,"end":763.23,"confidence":0.92993164,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.30261367559432983},{"word":"but","start":763.23,"end":763.73,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2696760594844818},{"word":"this","start":764.08496,"end":764.32495,"confidence":1.0,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.3966820538043976},{"word":"is","start":764.32495,"end":764.485,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4265839457511902},{"word":"definitely","start":764.485,"end":764.805,"confidence":1.0,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.4761543273925781},{"word":"gonna","start":764.805,"end":765.045,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.3894540071487427},{"word":"be","start":765.045,"end":765.285,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3721386194229126},{"word":"an","start":765.285,"end":765.365,"confidence":0.58447266,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.30447259545326233},{"word":"i'm","start":765.44495,"end":765.605,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.3624510169029236},{"word":"exploring","start":765.605,"end":766.08496,"confidence":1.0,"punctuated_word":"exploring","sentiment":"neutral","sentiment_score":0.2669171690940857},{"word":"all","start":766.08496,"end":766.32495,"confidence":0.984375,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.17703276872634888},{"word":"because","start":766.32495,"end":766.56494,"confidence":0.88134766,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.07576342672109604},{"word":"i'm","start":766.56494,"end":766.725,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.030985068529844284},{"word":"dealing","start":766.725,"end":766.96497,"confidence":1.0,"punctuated_word":"dealing","sentiment":"neutral","sentiment_score":0.06127987802028656},{"word":"with","start":766.96497,"end":767.20496,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.021951675415039062},{"word":"complex","start":767.20496,"end":767.70496,"confidence":0.9980469,"punctuated_word":"complex","sentiment":"neutral","sentiment_score":0.004032537341117859},{"word":"health","start":768.00494,"end":768.245,"confidence":1.0,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.0520193874835968},{"word":"history","start":768.245,"end":768.745,"confidence":0.99902344,"punctuated_word":"history.","sentiment":"neutral","sentiment_score":-0.0015827938914299011},{"word":"it's","start":769.76495,"end":770.00494,"confidence":0.99853516,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.07317748665809631},{"word":"it's","start":770.00494,"end":770.245,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.09533654153347015},{"word":"not","start":770.245,"end":770.485,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.12248976528644562},{"word":"like","start":770.485,"end":770.88495,"confidence":0.9194336,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.12633228302001953},{"word":"i'm","start":770.88495,"end":771.045,"confidence":0.7993164,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.171621173620224},{"word":"just","start":771.045,"end":771.285,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.15439772605895996},{"word":"dealing","start":771.285,"end":771.76495,"confidence":0.9902344,"punctuated_word":"dealing","sentiment":"neutral","sentiment_score":-0.2354069352149963},{"word":"with","start":771.76495,"end":772.08496,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.22569437325000763},{"word":"cancer","start":772.08496,"end":772.56494,"confidence":0.91625977,"punctuated_word":"cancer.","sentiment":"neutral","sentiment_score":-0.16599909961223602},{"word":"will","start":772.56494,"end":772.725,"confidence":0.67285156,"punctuated_word":"Will","sentiment":"neutral","sentiment_score":-0.04539177566766739},{"word":"i","start":772.725,"end":772.805,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04539032280445099},{"word":"know","start":772.805,"end":773.045,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.02825161814689636},{"word":"that","start":773.045,"end":773.20496,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04308473318815231},{"word":"this","start":773.20496,"end":773.52496,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.06062550097703934},{"word":"insurer","start":773.52496,"end":774.02496,"confidence":0.97998047,"punctuated_word":"insurer","sentiment":"neutral","sentiment_score":-0.04186812788248062},{"word":"is","start":774.08496,"end":774.32495,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07287006825208664},{"word":"more","start":774.32495,"end":774.485,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.09400925785303116},{"word":"lenient","start":774.485,"end":774.96497,"confidence":1.0,"punctuated_word":"lenient","sentiment":"neutral","sentiment_score":-0.10427343100309372},{"word":"for","start":774.96497,"end":775.20496,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.13782629370689392},{"word":"x","start":775.20496,"end":775.52496,"confidence":0.6645508,"punctuated_word":"x","sentiment":"neutral","sentiment_score":-0.12518192827701569},{"word":"cancer","start":775.52496,"end":775.925,"confidence":0.9921875,"punctuated_word":"cancer","sentiment":"neutral","sentiment_score":-0.10012490302324296},{"word":"patients","start":775.925,"end":776.425,"confidence":0.9729004,"punctuated_word":"patients?","sentiment":"neutral","sentiment_score":-0.06168298050761223},{"word":"that's","start":776.805,"end":777.305,"confidence":0.99365234,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07589580118656158},{"word":"that's","start":777.56,"end":777.88,"confidence":1.0,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.35345372557640076},{"word":"the","start":777.88,"end":777.95996,"confidence":0.9667969,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3514901101589203},{"word":"direction","start":777.95996,"end":778.36,"confidence":1.0,"punctuated_word":"direction","sentiment":"positive","sentiment_score":0.443312406539917},{"word":"i'm","start":778.36,"end":778.51996,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5082515478134155},{"word":"going","start":778.51996,"end":779.0,"confidence":0.99658203,"punctuated_word":"going.","sentiment":"positive","sentiment_score":0.4038541316986084},{"word":"it's","start":779.0,"end":779.24,"confidence":0.9980469,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.19652456045150757},{"word":"i'm","start":779.56,"end":779.8,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.11998149007558824},{"word":"multilayered","start":779.8,"end":780.3,"confidence":0.9121094,"punctuated_word":"multilayered,","sentiment":"neutral","sentiment_score":0.09773316979408264},{"word":"and","start":780.51996,"end":781.01996,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03136782348155975},{"word":"i've","start":781.24,"end":781.39996,"confidence":0.9946289,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04429423809051514},{"word":"had","start":781.39996,"end":781.72,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.040452633053064346},{"word":"one","start":781.72,"end":782.04,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.04657304286956787},{"word":"other","start":782.04,"end":782.36,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.03573596477508545},{"word":"client","start":782.36,"end":782.6,"confidence":1.0,"punctuated_word":"client","sentiment":"neutral","sentiment_score":0.01477443426847458},{"word":"who's","start":782.6,"end":782.83997,"confidence":0.9289551,"punctuated_word":"who's","sentiment":"neutral","sentiment_score":0.006817925721406937},{"word":"had","start":782.83997,"end":783.07996,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.0108833909034729},{"word":"tuberculosis","start":783.07996,"end":783.57996,"confidence":0.9980469,"punctuated_word":"tuberculosis","sentiment":"neutral","sentiment_score":-0.02106882631778717},{"word":"in","start":783.8,"end":783.95996,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03152986615896225},{"word":"my","start":783.95996,"end":784.27997,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.010064661502838137},{"word":"ten","start":784.27997,"end":784.51996,"confidence":0.9980469,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.0010492503643035889},{"word":"years","start":784.51996,"end":785.0,"confidence":0.8781738,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.007213599979877472},{"word":"so","start":785.0,"end":785.5,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03218763321638107},{"word":"not","start":786.12,"end":786.44,"confidence":0.9819336,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.02674136310815811},{"word":"not","start":786.44,"end":786.68,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.061880290508270264},{"word":"something","start":786.68,"end":787.0,"confidence":0.8642578,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.06418578326702118},{"word":"that","start":787.0,"end":787.24,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04989033937454224},{"word":"i","start":787.24,"end":787.32,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.046872373670339584},{"word":"commonly","start":787.32,"end":787.8,"confidence":1.0,"punctuated_word":"commonly","sentiment":"neutral","sentiment_score":-0.05012008547782898},{"word":"come","start":787.8,"end":788.04,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.06025659665465355},{"word":"across","start":788.04,"end":788.54,"confidence":0.9995117,"punctuated_word":"across.","sentiment":"neutral","sentiment_score":-0.061061959713697433},{"word":"no","start":790.83997,"end":791.33997,"confidence":0.99365234,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1194426491856575},{"word":"yeah","start":802.425,"end":802.925,"confidence":0.7531738,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16043239831924438},{"word":"absolutely","start":803.06494,"end":803.56494,"confidence":0.97753906,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.20475515723228457},{"word":"let's","start":810.56,"end":810.88,"confidence":0.86328125,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.11881833523511888},{"word":"do","start":810.88,"end":811.12,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0946936011314392},{"word":"that","start":811.12,"end":811.62,"confidence":0.9975586,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.08365343511104584},{"word":"yeah","start":829.135,"end":829.635,"confidence":0.8845215,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04756110906600952},{"word":"do","start":830.49506,"end":830.575,"confidence":0.6748047,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.027498122304677963},{"word":"you","start":830.575,"end":830.655,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.033149898052215576},{"word":"wanna","start":830.655,"end":830.895,"confidence":0.9550781,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.03453703969717026},{"word":"do","start":830.895,"end":831.05505,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03830607607960701},{"word":"the","start":831.05505,"end":831.29504,"confidence":0.93408203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04524625092744827},{"word":"thirteenth","start":831.29504,"end":831.79504,"confidence":0.9782715,"punctuated_word":"thirteenth?","sentiment":"neutral","sentiment_score":0.04939129948616028},{"word":"sold","start":839.14,"end":839.62,"confidence":0.8154297,"punctuated_word":"Sold.","sentiment":"neutral","sentiment_score":0.03700624406337738},{"word":"first","start":839.62,"end":839.86,"confidence":0.9243164,"punctuated_word":"First","sentiment":"neutral","sentiment_score":0.036471687257289886},{"word":"thing","start":839.86,"end":840.02,"confidence":0.9902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.04840117320418358},{"word":"in","start":840.02,"end":840.10004,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.030597854405641556},{"word":"the","start":840.10004,"end":840.18,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03720003366470337},{"word":"morning","start":840.18,"end":840.68,"confidence":0.9941406,"punctuated_word":"morning?","sentiment":"neutral","sentiment_score":0.045445770025253296},{"word":"you","start":843.46,"end":843.62,"confidence":0.86279297,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.011939872056245804},{"word":"let","start":843.62,"end":843.86,"confidence":0.9980469,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.018192436546087265},{"word":"me","start":843.86,"end":844.02,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.011164769530296326},{"word":"know","start":844.02,"end":844.34,"confidence":0.9951172,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.0144285187125206},{"word":"i'm","start":844.34,"end":844.58,"confidence":0.9875488,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.015358418226242064},{"word":"basically","start":844.58,"end":844.9,"confidence":0.97802734,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.02025271393358707},{"word":"in","start":844.9,"end":845.14,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.013938482850790024},{"word":"from","start":845.14,"end":845.38,"confidence":0.9543457,"punctuated_word":"from,","sentiment":"neutral","sentiment_score":0.01369353849440813},{"word":"like","start":845.38,"end":845.835,"confidence":0.99658203,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.011007924564182758},{"word":"6am","start":845.995,"end":846.79504,"confidence":0.9918213,"punctuated_word":"6AM.","sentiment":"neutral","sentiment_score":0.023304007947444916},{"word":"not","start":846.79504,"end":847.03503,"confidence":0.99609375,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.03515038266777992},{"word":"that","start":847.03503,"end":847.11505,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.022900618612766262},{"word":"i","start":847.11505,"end":847.195,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01585507020354271},{"word":"generally","start":847.195,"end":847.435,"confidence":0.9482422,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":-0.0015830062329769137},{"word":"wanna","start":847.435,"end":847.59503,"confidence":0.7734375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.002743000164628029},{"word":"talk","start":847.59503,"end":847.755,"confidence":0.9941406,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":-0.0056860484182834625},{"word":"to","start":847.755,"end":847.835,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.016743626445531845},{"word":"anyone","start":847.835,"end":848.155,"confidence":0.99902344,"punctuated_word":"anyone","sentiment":"neutral","sentiment_score":0.016682688146829605},{"word":"at","start":848.155,"end":848.23505,"confidence":0.9482422,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0031142458319664},{"word":"that","start":848.23505,"end":848.395,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.029309380799531937},{"word":"time","start":848.395,"end":848.555,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.01348498836159706},{"word":"in","start":848.555,"end":848.635,"confidence":0.7636719,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.015048198401927948},{"word":"the","start":848.635,"end":848.715,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02202283963561058},{"word":"morning","start":848.715,"end":849.03503,"confidence":0.91186523,"punctuated_word":"morning,","sentiment":"neutral","sentiment_score":0.011180989444255829},{"word":"but","start":849.03503,"end":849.53503,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.013938415795564651},{"word":"oh","start":850.635,"end":850.875,"confidence":0.76171875,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.0591411292552948},{"word":"wow","start":850.875,"end":851.375,"confidence":0.94506836,"punctuated_word":"wow.","sentiment":"neutral","sentiment_score":0.08045721054077148},{"word":"okay","start":851.435,"end":851.935,"confidence":0.86743164,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03738265484571457},{"word":"sounds","start":854.79504,"end":855.11505,"confidence":0.99121094,"punctuated_word":"Sounds","sentiment":"neutral","sentiment_score":0.33068010210990906},{"word":"perfect","start":855.11505,"end":855.61505,"confidence":1.0,"punctuated_word":"perfect.","sentiment":"neutral","sentiment_score":0.30582064390182495},{"word":"do","start":874.72,"end":874.935,"confidence":0.97998047,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.03041091188788414},{"word":"you","start":875.015,"end":875.175,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01967810094356537},{"word":"want","start":875.175,"end":875.255,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.0017149969935417175},{"word":"me","start":875.255,"end":875.415,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.03065492957830429},{"word":"to","start":875.415,"end":875.575,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.024653255939483643},{"word":"just","start":875.575,"end":876.075,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06754319369792938},{"word":"do","start":876.295,"end":876.535,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08782384544610977},{"word":"this","start":876.535,"end":876.695,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.08923723548650742},{"word":"and","start":876.695,"end":876.935,"confidence":0.69189453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.092791810631752},{"word":"i","start":876.935,"end":877.015,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11969035863876344},{"word":"can","start":877.015,"end":877.175,"confidence":0.78271484,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1615457832813263},{"word":"invite","start":877.175,"end":877.495,"confidence":1.0,"punctuated_word":"invite","sentiment":"neutral","sentiment_score":0.2823825180530548},{"word":"you","start":877.495,"end":877.575,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1845582127571106},{"word":"to","start":877.575,"end":877.65497,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2286222279071808},{"word":"it","start":877.65497,"end":877.815,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15543684363365173},{"word":"so","start":877.815,"end":877.975,"confidence":0.4807129,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1332191526889801},{"word":"that","start":877.975,"end":878.135,"confidence":0.98828125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15422126650810242},{"word":"way","start":878.135,"end":878.215,"confidence":0.99609375,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.1592208296060562},{"word":"it","start":878.215,"end":878.295,"confidence":0.8774414,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15742534399032593},{"word":"pops","start":878.295,"end":878.535,"confidence":0.99316406,"punctuated_word":"pops","sentiment":"neutral","sentiment_score":0.16060678660869598},{"word":"up","start":878.535,"end":878.615,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.13866622745990753},{"word":"in","start":878.615,"end":878.775,"confidence":0.9526367,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11918605118989944},{"word":"both","start":878.775,"end":878.935,"confidence":0.9980469,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.13574537634849548},{"word":"of","start":878.935,"end":879.095,"confidence":0.98535156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09990476816892624},{"word":"our","start":879.095,"end":879.255,"confidence":0.99121094,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.0939369946718216},{"word":"calendars","start":879.255,"end":879.735,"confidence":0.9916992,"punctuated_word":"calendars?","sentiment":"neutral","sentiment_score":0.07676075398921967},{"word":"yep","start":879.735,"end":880.235,"confidence":0.89746094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2822703421115875},{"word":"done","start":884.295,"end":884.795,"confidence":0.97143555,"punctuated_word":"Done.","sentiment":"neutral","sentiment_score":0.32632172107696533},{"word":"done","start":893.94995,"end":894.44995,"confidence":0.8713379,"punctuated_word":"Done.","sentiment":"neutral","sentiment_score":0.05158200487494469},{"word":"i","start":895.79,"end":895.94995,"confidence":0.99609375,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.49807289242744446},{"word":"will","start":895.94995,"end":896.44995,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.3706250488758087},{"word":"invite","start":897.79,"end":898.11,"confidence":0.9980469,"punctuated_word":"invite","sentiment":"positive","sentiment_score":0.6297665238380432},{"word":"you","start":898.11,"end":898.35,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.494518369436264},{"word":"into","start":898.35,"end":898.67,"confidence":0.99902344,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.4238389730453491},{"word":"it","start":898.67,"end":898.82996,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4139590859413147},{"word":"so","start":898.82996,"end":898.99,"confidence":0.49902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.33146408200263977},{"word":"that","start":898.99,"end":899.14996,"confidence":0.9970703,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3667753338813782},{"word":"way","start":899.14996,"end":899.38995,"confidence":0.99609375,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.3571338653564453},{"word":"it","start":899.38995,"end":899.47,"confidence":0.7988281,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.40504950284957886},{"word":"has","start":899.47,"end":899.62994,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.3231443762779236},{"word":"a","start":899.62994,"end":899.70996,"confidence":0.5234375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15933680534362793},{"word":"whole","start":899.70996,"end":899.94995,"confidence":1.0,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":0.30620747804641724},{"word":"thing","start":899.94995,"end":900.43,"confidence":1.0,"punctuated_word":"thing","sentiment":"positive","sentiment_score":0.4257292151451111},{"word":"and","start":900.43,"end":900.93,"confidence":0.68847656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3058456778526306},{"word":"i","start":901.23,"end":901.31,"confidence":0.38964844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2494654357433319},{"word":"guess","start":901.31,"end":901.62994,"confidence":0.53564453,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":0.2453021854162216},{"word":"i","start":901.62994,"end":901.79,"confidence":0.89453125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18663570284843445},{"word":"know","start":901.79,"end":901.94995,"confidence":0.9902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.20758238434791565},{"word":"how","start":901.94995,"end":902.11,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.26249396800994873},{"word":"to","start":902.11,"end":902.19,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2967175841331482},{"word":"do","start":902.19,"end":902.35,"confidence":0.99902344,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3758876621723175},{"word":"that","start":902.35,"end":902.85,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.33265841007232666},{"word":"amazing","start":906.105,"end":906.605,"confidence":0.88793945,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.8278343081474304},{"word":"alright","start":906.745,"end":907.145,"confidence":0.99853516,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.5497294664382935},{"word":"i","start":907.145,"end":907.225,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5218508839607239},{"word":"will","start":907.225,"end":907.545,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.4737306237220764},{"word":"talk","start":907.545,"end":907.785,"confidence":0.9980469,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.5993701219558716},{"word":"to","start":907.785,"end":907.865,"confidence":0.99609375,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4254022538661957},{"word":"you","start":907.865,"end":908.025,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4177535772323608},{"word":"then","start":908.025,"end":908.345,"confidence":0.98828125,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.44109830260276794},{"word":"then","start":908.345,"end":908.845,"confidence":0.9523926,"punctuated_word":"then.","sentiment":"positive","sentiment_score":0.4921150803565979},{"word":"that's","start":910.985,"end":911.305,"confidence":0.75268555,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.4852926433086395},{"word":"okay","start":911.305,"end":911.625,"confidence":0.9941406,"punctuated_word":"okay,","sentiment":"positive","sentiment_score":0.4444885849952698},{"word":"peter","start":911.625,"end":912.025,"confidence":0.9448242,"punctuated_word":"Peter.","sentiment":"positive","sentiment_score":0.40844401717185974},{"word":"speak","start":912.025,"end":912.345,"confidence":0.96875,"punctuated_word":"Speak","sentiment":"neutral","sentiment_score":0.24309580028057096},{"word":"soon","start":912.345,"end":912.845,"confidence":0.99902344,"punctuated_word":"soon.","sentiment":"neutral","sentiment_score":0.3293498158454895},{"word":"bye","start":913.545,"end":914.045,"confidence":0.99658203,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.1915234327316284}],"paragraphs":{"transcript":"\nHi, Peter. Larissa from Ophi Financial. How are you going? Not bad. It's been a day, but we're sitting down with a cold coffee that I think I made five hours ago and living life.\n\nOh, I'm with you there. Right with you there. I really am. Well, I will keep it short and sharp for you. I call before I jump into it, though, I do need to let you know our calls are recorded.\n\nAnd if I could get you to confirm security for me, it is full name, date of birth, and address. Perfect. Alright. So the reason of my call and you I I know that you were cc'd in on the email from the insurer, but it is to touch base with regards to the insurance application that we sent through to OnePath Zurich. So they've come back with post post the medical side of things and and an analysis that they are only willing to offer cover for death insurance and nothing on the total pam disability income protection side.\n\nThey it like, that was a, I guess, comorbidity, I guess, is the terminology for them, but it wasn't the only underlying factor. They also had the homogeneous MTHFR cyst the genetic status was one of the was one of the contributing factors as well as Raynard's diabetes. Yes. Don't be wrong. Tuberculosis did fall into it as well, but it was just it was the the number of, I guess, health concerns that can create higher risk.\n\nYeah. So it wasn't it's not something that you're uncommon to, I guess. Yeah. Yeah. Yeah.\n\nOriginally, like, the tuberculosis was only was a was a concern originally, but we pre assessed it, and they were actually pretty okay with it. It was just when it came to, I guess, the layers that fell down the line, which is where they kind of picked it up. Specifically, the one the biggest key factor was that genetic side of thing because it's a genetic mutation of the cells, which is where things fell on that side. But it's essentially speaking, I guess, moving forward from here, there's a couple of different layers to it. Because, originally, we had applied for a MillerLife milli MillerTPD and then the income protection at 10 grand a month.\n\nSo, obviously, the TPD, the IP declined. The life insurance is still approved on that side with a 75% loading. So, essentially speaking, what that would look like is the life insurance premium originally was, like, $672, just around it. With the 75% loading, that would change it to about $11.75. That is per year annually.\n\nYes. 1175. Now, essentially speaking, there's a couple of options that we have available. We can proceed with that. That gives you the life cover.\n\nSo if you were to pass away, diagnose terminally ill, you have that additional cover that gives the family reassurance in the event that, you know, the debts are covered, income's covered, all of that kind of stuff sorted. You then also have currently, because we didn't close it, your Aware Superfund as well. So your Aware Superfund, we kept it open with a small balance in it while we were going through the insurance side of things. It has 72,500 of life TPD, and then it has a thousand dollars in IP. So now it's a bit of a conversation as to where we go on that side.\n\nBecause, essentially speaking, the Zurich policy would cover the like, your life needs, but it means that your TPD income protection needs remain unmet. Now Mhmm. So there's a couple of options. Option one is I do and I've I've already started. Like, don't be me wrong.\n\nIt's not like me twiddling my thumbs. But I continue to go down the route of seeing if there's any other insurers that would cover your complex medical history for the TPD IP side of things. Option two is we start building a financial buffer for yourself whereby we start directing cash flow into a position to kind of create that that safety account. So if anything happens, that's where, I guess, your, like, income protection income would come from. So if if you were fell into the position of being unable to work, you basically have a bank account that kind of starts filtering through to cover your your needs.\n\nSo they're sort of the the two options that we have. Granted, you do have and then, I guess, then it's a conversation as to where or what we do in regards to the Aware Superfund. Because, realistically, like, there are operation costs with the funds. Don't get me wrong. There's the premiums to to to pay for that insurance is, you know, $330 a year, but it's really nothing significant in terms of of income.\n\nBut A thousand dollars a month? Yes. After after ninety days, which means, essentially, you get your first payment day one twenty of being off work. So it's it's jack of you know, it's it's it's jackal in terms of cost. It's not exactly covering anything much in terms of income, but it's sort of a something's better than nothing kind of position.\n\nSo there is that sort of avenue. Now that would essentially mean that if we want to keep that open, we'd kind of have Aware Super as literally just an insurance fund. So we'd keep a really small amount in the account. It would just be an insurance holding account. So, basically, the money in the account pays the premiums, and that's about it.\n\nWe still make sure it's invested in a in a nice way to kind of still keep up with things, but we just keep that there as literally just a bank account to pay the insurance premiums. But but it's kind of, I guess, a wider conversation as to whether do you want me to start, like, pushing a little bit harder in terms of other insurers and going down that line? And I'm still happy to, still have been, because it means kinda dragging you through it with me. Because there's only a small there's only so much that I can do independently. Because as you saw by the email, Zurich don't don't release everything to us.\n\nWe we don't It just depends on who their reinsurer is and what their back end requirements, PDF, like because there's there's a product disclosure statement, which is what we obviously read to make sure that the product is right for you. But then an an insurer actually has a reinsurer, and what happens is the reinsurer sets rules and regulations for what can happen and what can't happen and what medicals they approve and what medicals they don't approve and this the the cross colonization of everything. Comorbidities is what they refer to it as, and and what parameters they they do allow. So they all are different depending on who their reinsurer is. Yeah.\n\nYep. Yeah. Do you know when she had cancer last? Because, generally, it's a five to ten year rule with any kind of cancer. Yeah.\n\nYep. Okay. Yeah. Well, if you're able to find out and even if you just flick an email through the to to Jack, and Jack will pass it along and let me know. Absolutely.\n\nOkay. And I'll continue on with my plotting and and research on my side as well. The issue is is each medical like, I'd love to say yes, but each medical case is different. Like, you're not you're not the most complex health case I've come across. I've had I've had plenty more complex.\n\nHonestly, like, it it it it just depends on how everything connects together and whether one thing links to another that creates a thing and a thing, and it and it just spirals down from there. Like, I've I've I've I've gotten ex cancer patients insurance in the past. I've I've been in the industry for over a decade. So I've I've seen the changes as they've kinda gone through over the last ten years, but it's just it's it's how long space is doing, really. Yeah.\n\nYeah. Absolutely. Sounds like a plan. Well, I'll put in my calendar to touch base with you in sort of four weeks or so. But I guess how do you wanna do you want me to just put things things on hold for now and obviously not move in any direction and just kind of hold and wait?\n\nI'll do my thing, you do your thing, and we'll reconvene in three or four? Mine's just a look at them all type of approach, not a I'm gonna pick that one. Don't be wrong. I can generally go I'm gonna pick that one, but this is definitely gonna be an I'm exploring all because I'm dealing with complex health history. It's it's not like I'm just dealing with cancer.\n\nWill I know that this insurer is more lenient for x cancer patients? That's that's the direction I'm going. It's I'm multilayered, and I've had one other client who's had tuberculosis in my ten years. So not not something that I commonly come across. No.\n\nYeah. Absolutely. Let's do that. Yeah. Do you wanna do the thirteenth?\n\nSold. First thing in the morning? You let me know. I'm basically in from, like, 6AM. Not that I generally wanna talk to anyone at that time in the morning, but Oh, wow.\n\nOkay. Sounds perfect. Do you want me to just do this and I can invite you to it so that way it pops up in both of our calendars? Yep. Done.\n\nDone. I will invite you into it so that way it has a whole thing and I guess I know how to do that. Amazing. Alright. I will talk to you then then.\n\nThat's okay, Peter. Speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Peter.","start":4.08,"end":5.04,"sentiment":"neutral","sentiment_score":0.11291103437542915},{"text":"Larissa from Ophi Financial.","start":5.04,"end":6.56,"sentiment":"neutral","sentiment_score":0.16749626398086548},{"text":"How are you going?","start":6.56,"end":7.46,"sentiment":"neutral","sentiment_score":0.20864341408014297},{"text":"Not bad.","start":10.0,"end":10.8,"sentiment":"neutral","sentiment_score":0.28455086797475815},{"text":"It's been a day, but we're sitting down with a cold coffee that I think I made five hours ago and living life.","start":10.8,"end":17.655,"sentiment":"neutral","sentiment_score":0.1697781445539516}],"sentiment":"neutral","sentiment_score":0.17726799547672273,"num_words":35,"start":4.08,"end":17.655},{"sentences":[{"text":"Oh, I'm with you there.","start":43.295,"end":44.595,"sentiment":"neutral","sentiment_score":0.014039952059101779},{"text":"Right with you there.","start":44.655,"end":45.855,"sentiment":"neutral","sentiment_score":0.06402810662984848},{"text":"I really am.","start":45.855,"end":46.915,"sentiment":"neutral","sentiment_score":0.10547252744436264},{"text":"Well, I will keep it short and sharp for you.","start":47.455,"end":50.035,"sentiment":"neutral","sentiment_score":0.10756859183311462},{"text":"I call before I jump into it, though, I do need to let you know our calls are recorded.","start":51.295,"end":54.495,"sentiment":"neutral","sentiment_score":0.009199490280527817}],"sentiment":"neutral","sentiment_score":0.046175756166077206,"num_words":41,"start":43.295,"end":54.495},{"sentences":[{"text":"And if I could get you to confirm security for me, it is full name, date of birth, and address.","start":54.495,"end":59.609997,"sentiment":"neutral","sentiment_score":0.023522152751684188},{"text":"Perfect.","start":73.895004,"end":74.395004,"sentiment":"neutral","sentiment_score":0.29175323247909546},{"text":"Alright.","start":75.815,"end":76.295,"sentiment":"neutral","sentiment_score":0.08836686611175537},{"text":"So the reason of my call and you I I know that you were cc'd in on the email from the insurer, but it is to touch base with regards to the insurance application that we sent through to OnePath Zurich.","start":76.295,"end":89.55,"sentiment":"neutral","sentiment_score":-0.0136928054072508},{"text":"So they've come back with post post the medical side of things and and an analysis that they are only willing to offer cover for death insurance and nothing on the total pam disability income protection side.","start":92.09,"end":109.195,"sentiment":"neutral","sentiment_score":-0.10984662215451936}],"sentiment":"neutral","sentiment_score":-0.037751668877899644,"num_words":100,"start":54.495,"end":109.195},{"sentences":[{"text":"They it like, that was a, I guess, comorbidity, I guess, is the terminology for them, but it wasn't the only underlying factor.","start":109.23,"end":125.255,"sentiment":"neutral","sentiment_score":-0.09074169089612753},{"text":"They also had the homogeneous MTHFR cyst the genetic status was one of the was one of the contributing factors as well as Raynard's diabetes.","start":125.314995,"end":143.59001,"sentiment":"neutral","sentiment_score":-0.0428879738599062},{"text":"Yes.","start":143.89,"end":144.29001,"sentiment":"neutral","sentiment_score":0.009602184407413006},{"text":"Don't be wrong.","start":144.29001,"end":144.93001,"sentiment":"neutral","sentiment_score":-0.025689952075481415},{"text":"Tuberculosis did fall into it as well, but it was just it was the the number of, I guess, health concerns that can create higher risk.","start":144.93001,"end":155.965,"sentiment":"neutral","sentiment_score":-0.1966983757626552}],"sentiment":"neutral","sentiment_score":-0.10693440613790582,"num_words":78,"start":109.23,"end":155.965},{"sentences":[{"text":"Yeah.","start":164.8,"end":165.3,"sentiment":"neutral","sentiment_score":-0.024209681898355484},{"text":"So it wasn't it's not something that you're uncommon to, I guess.","start":165.44,"end":169.7,"sentiment":"neutral","sentiment_score":-0.10264000327636798},{"text":"Yeah.","start":171.36,"end":171.86,"sentiment":"neutral","sentiment_score":-0.1139107346534729},{"text":"Yeah.","start":175.095,"end":175.595,"sentiment":"neutral","sentiment_score":-0.19614484906196591},{"text":"Yeah.","start":179.015,"end":179.515,"sentiment":"neutral","sentiment_score":-0.04272042587399483}],"sentiment":"neutral","sentiment_score":-0.10054160817526281,"num_words":16,"start":164.8,"end":179.515},{"sentences":[{"text":"Originally, like, the tuberculosis was only was a was a concern originally, but we pre assessed it, and they were actually pretty okay with it.","start":179.735,"end":189.91,"sentiment":"neutral","sentiment_score":0.08152404755353927},{"text":"It was just when it came to, I guess, the layers that fell down the line, which is where they kind of picked it up.","start":189.91,"end":198.73001,"sentiment":"neutral","sentiment_score":-0.05042225882411003},{"text":"Specifically, the one the biggest key factor was that genetic side of thing because it's a genetic mutation of the cells, which is where things fell on that side.","start":199.11,"end":213.285,"sentiment":"neutral","sentiment_score":-0.09863643977662613},{"text":"But it's essentially speaking, I guess, moving forward from here, there's a couple of different layers to it.","start":213.825,"end":219.31,"sentiment":"neutral","sentiment_score":0.01031511038955715},{"text":"Because, originally, we had applied for a MillerLife milli MillerTPD and then the income protection at 10 grand a month.","start":219.69,"end":229.55,"sentiment":"neutral","sentiment_score":-0.013385854568332434}],"sentiment":"neutral","sentiment_score":-0.018503907176419202,"num_words":117,"start":179.735,"end":229.55},{"sentences":[{"text":"So, obviously, the TPD, the IP declined.","start":230.97499,"end":234.19499,"sentiment":"neutral","sentiment_score":-0.02955546389733042},{"text":"The life insurance is still approved on that side with a 75% loading.","start":234.97499,"end":242.33499,"sentiment":"neutral","sentiment_score":0.028033319287575208},{"text":"So, essentially speaking, what that would look like is the life insurance premium originally was, like, $672, just around it.","start":242.33499,"end":254.48,"sentiment":"neutral","sentiment_score":0.011711774114519357},{"text":"With the 75% loading, that would change it to about $11.75.","start":255.5,"end":260.175,"sentiment":"neutral","sentiment_score":-0.0030646926977417684},{"text":"That is per year annually.","start":264.41498,"end":266.115,"sentiment":"neutral","sentiment_score":-0.025887471809983253}],"sentiment":"neutral","sentiment_score":0.004082703696829932,"num_words":56,"start":230.97499,"end":266.115},{"sentences":[{"text":"Yes.","start":266.175,"end":266.675,"sentiment":"neutral","sentiment_score":0.024455012753605843},{"text":"1175.","start":269.85498,"end":271.315,"sentiment":"neutral","sentiment_score":0.004249199293553829},{"text":"Now, essentially speaking, there's a couple of options that we have available.","start":277.13,"end":281.31,"sentiment":"neutral","sentiment_score":0.10740386291096608},{"text":"We can proceed with that.","start":281.85,"end":282.97,"sentiment":"neutral","sentiment_score":0.19616309702396392},{"text":"That gives you the life cover.","start":282.97,"end":284.09,"sentiment":"neutral","sentiment_score":0.16238596414526305}],"sentiment":"neutral","sentiment_score":0.130907273478806,"num_words":25,"start":266.175,"end":284.09},{"sentences":[{"text":"So if you were to pass away, diagnose terminally ill, you have that additional cover that gives the family reassurance in the event that, you know, the debts are covered, income's covered, all of that kind of stuff sorted.","start":284.09,"end":297.73502,"sentiment":"neutral","sentiment_score":0.03872254280707775},{"text":"You then also have currently, because we didn't close it, your Aware Superfund as well.","start":299.55502,"end":308.17,"sentiment":"neutral","sentiment_score":0.17430715262889862},{"text":"So your Aware Superfund, we kept it open with a small balance in it while we were going through the insurance side of things.","start":309.35,"end":315.61,"sentiment":"positive","sentiment_score":0.3484446918591857},{"text":"It has 72,500 of life TPD, and then it has a thousand dollars in IP.","start":316.63,"end":323.44498,"sentiment":"neutral","sentiment_score":0.13386598428090413},{"text":"So now it's a bit of a conversation as to where we go on that side.","start":323.82498,"end":327.04498,"sentiment":"neutral","sentiment_score":0.12762716505676508}],"sentiment":"neutral","sentiment_score":0.15172003182249333,"num_words":109,"start":284.09,"end":327.04498},{"sentences":[{"text":"Because, essentially speaking, the Zurich policy would cover the like, your life needs, but it means that your TPD income protection needs remain unmet.","start":327.345,"end":340.49,"sentiment":"neutral","sentiment_score":0.04036446878065666},{"text":"Now Mhmm.","start":342.15,"end":343.69,"sentiment":"neutral","sentiment_score":0.023216032423079014},{"text":"So there's a couple of options.","start":345.75,"end":347.21,"sentiment":"neutral","sentiment_score":0.04780378813544909},{"text":"Option one is I do and I've I've already started.","start":347.43,"end":353.445,"sentiment":"neutral","sentiment_score":0.09127835221588612},{"text":"Like, don't be me wrong.","start":354.225,"end":355.025,"sentiment":"neutral","sentiment_score":0.006548602506518364}],"sentiment":"neutral","sentiment_score":0.04781975700183118,"num_words":47,"start":327.345,"end":355.025},{"sentences":[{"text":"It's not like me twiddling my thumbs.","start":355.025,"end":356.965,"sentiment":"neutral","sentiment_score":-0.09897289159042495},{"text":"But I continue to go down the route of seeing if there's any other insurers that would cover your complex medical history for the TPD IP side of things.","start":357.505,"end":372.30002,"sentiment":"neutral","sentiment_score":0.03032149001955986},{"text":"Option two is we start building a financial buffer for yourself whereby we start directing cash flow into a position to kind of create that that safety account.","start":374.04,"end":390.91498,"sentiment":"neutral","sentiment_score":0.16397649954472268},{"text":"So if anything happens, that's where, I guess, your, like, income protection income would come from.","start":390.91498,"end":396.91,"sentiment":"neutral","sentiment_score":0.05547819449566305},{"text":"So if if you were fell into the position of being unable to work, you basically have a bank account that kind of starts filtering through to cover your your needs.","start":396.97,"end":404.59,"sentiment":"neutral","sentiment_score":-0.18168997428109568}],"sentiment":"neutral","sentiment_score":0.0002983501432715238,"num_words":111,"start":355.025,"end":404.59},{"sentences":[{"text":"So they're sort of the the two options that we have.","start":406.25,"end":408.59,"sentiment":"neutral","sentiment_score":0.0018071217293089087},{"text":"Granted, you do have and then, I guess, then it's a conversation as to where or what we do in regards to the Aware Superfund.","start":409.365,"end":416.585,"sentiment":"neutral","sentiment_score":0.008427742719650268},{"text":"Because, realistically, like, there are operation costs with the funds.","start":417.125,"end":420.405,"sentiment":"neutral","sentiment_score":-0.18716219812631607},{"text":"Don't get me wrong.","start":420.405,"end":421.32,"sentiment":"neutral","sentiment_score":-0.05341391637921333},{"text":"There's the premiums to to to pay for that insurance is, you know, $330 a year, but it's really nothing significant in terms of of income.","start":423.08002,"end":432.38,"sentiment":"neutral","sentiment_score":-0.1697725232404012}],"sentiment":"neutral","sentiment_score":-0.08248409663179987,"num_words":76,"start":406.25,"end":432.38},{"sentences":[{"text":"But A thousand dollars a month?","start":432.6,"end":446.335,"sentiment":"neutral","sentiment_score":-0.03987461607903242},{"text":"Yes.","start":449.03497,"end":449.43,"sentiment":"neutral","sentiment_score":0.01284765638411045},{"text":"After after ninety days, which means, essentially, you get your first payment day one twenty of being off work.","start":449.99,"end":456.57,"sentiment":"neutral","sentiment_score":-0.0683477247427953},{"text":"So it's it's jack of you know, it's it's it's jackal in terms of cost.","start":460.94998,"end":465.905,"sentiment":"negative","sentiment_score":-0.4206620509425799},{"text":"It's not exactly covering anything much in terms of income, but it's sort of a something's better than nothing kind of position.","start":466.445,"end":476.225,"sentiment":"negative","sentiment_score":-0.3632150841030208}],"sentiment":"neutral","sentiment_score":-0.2512011019779103,"num_words":63,"start":432.6,"end":476.225},{"sentences":[{"text":"So there is that sort of avenue.","start":479.22,"end":482.18,"sentiment":"neutral","sentiment_score":0.12281244035278048},{"text":"Now that would essentially mean that if we want to keep that open, we'd kind of have Aware Super as literally just an insurance fund.","start":482.18,"end":488.5,"sentiment":"neutral","sentiment_score":0.17298862755298614},{"text":"So we'd keep a really small amount in the account.","start":488.5,"end":490.84,"sentiment":"neutral","sentiment_score":0.1860062375664711},{"text":"It would just be an insurance holding account.","start":491.085,"end":493.325,"sentiment":"neutral","sentiment_score":0.12450535967946053},{"text":"So, basically, the money in the account pays the premiums, and that's about it.","start":493.325,"end":496.845,"sentiment":"neutral","sentiment_score":0.12804795163018362}],"sentiment":"neutral","sentiment_score":0.15364342730026692,"num_words":64,"start":479.22,"end":496.845},{"sentences":[{"text":"We still make sure it's invested in a in a nice way to kind of still keep up with things, but we just keep that there as literally just a bank account to pay the insurance premiums.","start":496.845,"end":506.385,"sentiment":"neutral","sentiment_score":0.1765575769382554},{"text":"But but it's kind of, I guess, a wider conversation as to whether do you want me to start, like, pushing a little bit harder in terms of other insurers and going down that line?","start":507.41998,"end":517.58,"sentiment":"neutral","sentiment_score":-0.12295654682176453},{"text":"And I'm still happy to, still have been, because it means kinda dragging you through it with me.","start":517.58,"end":523.705,"sentiment":"neutral","sentiment_score":0.19252049177885056},{"text":"Because there's only a small there's only so much that I can do independently.","start":523.84503,"end":527.945,"sentiment":"neutral","sentiment_score":-0.07118104438164405},{"text":"Because as you saw by the email, Zurich don't don't release everything to us.","start":528.085,"end":533.1,"sentiment":"neutral","sentiment_score":-0.11436703854373523}],"sentiment":"neutral","sentiment_score":0.026244465245912642,"num_words":118,"start":496.845,"end":533.1},{"sentences":[{"text":"We we don't It just depends on who their reinsurer is and what their back end requirements, PDF, like because there's there's a product disclosure statement, which is what we obviously read to make sure that the product is right for you.","start":533.66,"end":559.05,"sentiment":"neutral","sentiment_score":-0.07456751717698007},{"text":"But then an an insurer actually has a reinsurer, and what happens is the reinsurer sets rules and regulations for what can happen and what can't happen and what medicals they approve and what medicals they don't approve and this the the cross colonization of everything.","start":559.13,"end":573.53503,"sentiment":"neutral","sentiment_score":-0.1645405588914519},{"text":"Comorbidities is what they refer to it as, and and what parameters they they do allow.","start":573.59503,"end":579.29504,"sentiment":"neutral","sentiment_score":-0.021086112828925252},{"text":"So they all are different depending on who their reinsurer is.","start":580.155,"end":583.59,"sentiment":"neutral","sentiment_score":-0.0421271412210031},{"text":"Yeah.","start":596.355,"end":596.855,"sentiment":"neutral","sentiment_score":0.00016728881746530533}],"sentiment":"neutral","sentiment_score":-0.09914922845100277,"num_words":116,"start":533.66,"end":596.855},{"sentences":[{"text":"Yep.","start":601.315,"end":601.815,"sentiment":"neutral","sentiment_score":-0.007855045609176159},{"text":"Yeah.","start":624.385,"end":624.885,"sentiment":"neutral","sentiment_score":0.009542174637317656},{"text":"Do you know when she had cancer last?","start":624.905,"end":626.945,"sentiment":"neutral","sentiment_score":-0.03418265236541629},{"text":"Because, generally, it's a five to ten year rule with any kind of cancer.","start":626.945,"end":631.525,"sentiment":"neutral","sentiment_score":-0.07163105452699321},{"text":"Yeah.","start":633.745,"end":634.245,"sentiment":"neutral","sentiment_score":0.014800501987338066}],"sentiment":"neutral","sentiment_score":-0.050392334051430225,"num_words":25,"start":601.315,"end":634.245},{"sentences":[{"text":"Yep.","start":643.37006,"end":643.87006,"sentiment":"neutral","sentiment_score":0.13388758897781372},{"text":"Okay.","start":645.05005,"end":645.55005,"sentiment":"neutral","sentiment_score":0.14709800481796265},{"text":"Yeah.","start":645.61005,"end":645.93005,"sentiment":"neutral","sentiment_score":0.1714567244052887},{"text":"Well, if you're able to find out and even if you just flick an email through the to to Jack, and Jack will pass it along and let me know.","start":645.93005,"end":652.51,"sentiment":"neutral","sentiment_score":0.17586709409952164},{"text":"Absolutely.","start":652.91504,"end":653.41504,"sentiment":"neutral","sentiment_score":0.2204151600599289}],"sentiment":"neutral","sentiment_score":0.17496677356607773,"num_words":34,"start":643.37006,"end":653.41504},{"sentences":[{"text":"Okay.","start":658.35504,"end":658.755,"sentiment":"neutral","sentiment_score":0.11142927408218384},{"text":"And I'll continue on with my plotting and and research on my side as well.","start":658.755,"end":665.255,"sentiment":"neutral","sentiment_score":0.1280637929836909},{"text":"The issue is is each medical like, I'd love to say yes, but each medical case is different.","start":671.82996,"end":675.85,"sentiment":"neutral","sentiment_score":-0.20560377422306272},{"text":"Like, you're not you're not the most complex health case I've come across.","start":675.91,"end":680.38995,"sentiment":"neutral","sentiment_score":-0.2659269238893802},{"text":"I've had I've had plenty more complex.","start":680.38995,"end":682.81,"sentiment":"neutral","sentiment_score":-0.2206419344459261}],"sentiment":"neutral","sentiment_score":-0.12351898738631496,"num_words":54,"start":658.35504,"end":682.81},{"sentences":[{"text":"Honestly, like, it it it it just depends on how everything connects together and whether one thing links to another that creates a thing and a thing, and it and it just spirals down from there.","start":684.795,"end":695.13,"sentiment":"neutral","sentiment_score":-0.2480694262517823},{"text":"Like, I've I've I've I've gotten ex cancer patients insurance in the past.","start":696.41003,"end":700.89,"sentiment":"neutral","sentiment_score":-0.16275362097300017},{"text":"I've I've been in the industry for over a decade.","start":700.89,"end":702.83,"sentiment":"neutral","sentiment_score":-0.08191368542611599},{"text":"So I've I've seen the changes as they've kinda gone through over the last ten years, but it's just it's it's how long space is doing, really.","start":703.13,"end":710.435,"sentiment":"neutral","sentiment_score":-0.1668695459763209},{"text":"Yeah.","start":724.67004,"end":724.83,"sentiment":"neutral","sentiment_score":0.05061560869216919}],"sentiment":"neutral","sentiment_score":-0.18758960235221633,"num_words":87,"start":684.795,"end":724.83},{"sentences":[{"text":"Yeah.","start":724.83,"end":725.07,"sentiment":"neutral","sentiment_score":0.10536465048789978},{"text":"Absolutely.","start":725.07,"end":725.57,"sentiment":"neutral","sentiment_score":0.2546827495098114},{"text":"Sounds like a plan.","start":725.71,"end":726.67004,"sentiment":"neutral","sentiment_score":0.28806260228157043},{"text":"Well, I'll put in my calendar to touch base with you in sort of four weeks or so.","start":726.67004,"end":732.21,"sentiment":"neutral","sentiment_score":0.09729854700465997},{"text":"But I guess how do you wanna do you want me to just put things things on hold for now and obviously not move in any direction and just kind of hold and wait?","start":733.47003,"end":743.285,"sentiment":"neutral","sentiment_score":-0.15370284919353092}],"sentiment":"neutral","sentiment_score":-0.03383146926503757,"num_words":58,"start":724.83,"end":743.285},{"sentences":[{"text":"I'll do my thing, you do your thing, and we'll reconvene in three or four?","start":743.285,"end":747.545,"sentiment":"neutral","sentiment_score":-0.010473041236400605},{"text":"Mine's just a look at them all type of approach, not a I'm gonna pick that one.","start":754.99,"end":760.27,"sentiment":"neutral","sentiment_score":-0.034515061470515584},{"text":"Don't be wrong.","start":760.27,"end":760.83,"sentiment":"neutral","sentiment_score":-0.010316108663876852},{"text":"I can generally go I'm gonna pick that one, but this is definitely gonna be an I'm exploring all because I'm dealing with complex health history.","start":760.83,"end":768.745,"sentiment":"neutral","sentiment_score":0.2413071782256548},{"text":"It's it's not like I'm just dealing with cancer.","start":769.76495,"end":772.56494,"sentiment":"neutral","sentiment_score":-0.15227282047271729}],"sentiment":"neutral","sentiment_score":0.05898187514394522,"num_words":70,"start":743.285,"end":772.56494},{"sentences":[{"text":"Will I know that this insurer is more lenient for x cancer patients?","start":772.56494,"end":776.425,"sentiment":"neutral","sentiment_score":-0.0738908416376664},{"text":"That's that's the direction I'm going.","start":776.805,"end":779.0,"sentiment":"positive","sentiment_score":0.3560429538289706},{"text":"It's I'm multilayered, and I've had one other client who's had tuberculosis in my ten years.","start":779.0,"end":785.0,"sentiment":"neutral","sentiment_score":0.0359170944429934},{"text":"So not not something that I commonly come across.","start":785.0,"end":788.54,"sentiment":"neutral","sentiment_score":-0.04320235095090336},{"text":"No.","start":790.83997,"end":791.33997,"sentiment":"neutral","sentiment_score":-0.1194426491856575}],"sentiment":"neutral","sentiment_score":0.02760192188951704,"num_words":45,"start":772.56494,"end":791.33997},{"sentences":[{"text":"Yeah.","start":802.425,"end":802.925,"sentiment":"neutral","sentiment_score":0.16043239831924438},{"text":"Absolutely.","start":803.06494,"end":803.56494,"sentiment":"neutral","sentiment_score":0.20475515723228457},{"text":"Let's do that.","start":810.56,"end":811.62,"sentiment":"neutral","sentiment_score":0.09905512382586797},{"text":"Yeah.","start":829.135,"end":829.635,"sentiment":"neutral","sentiment_score":0.04756110906600952},{"text":"Do you wanna do the thirteenth?","start":830.49506,"end":831.79504,"sentiment":"neutral","sentiment_score":0.03802144775787989}],"sentiment":"neutral","sentiment_score":0.07817022688686848,"num_words":12,"start":802.425,"end":831.79504},{"sentences":[{"text":"Sold.","start":839.14,"end":839.62,"sentiment":"neutral","sentiment_score":0.03700624406337738},{"text":"First thing in the morning?","start":839.62,"end":840.68,"sentiment":"neutral","sentiment_score":0.039623303711414336},{"text":"You let me know.","start":843.46,"end":844.34,"sentiment":"neutral","sentiment_score":0.013931399211287498},{"text":"I'm basically in from, like, 6AM.","start":844.34,"end":846.79504,"sentiment":"neutral","sentiment_score":0.01625918100277583},{"text":"Not that I generally wanna talk to anyone at that time in the morning, but Oh, wow.","start":846.79504,"end":851.375,"sentiment":"neutral","sentiment_score":0.009630490203990656}],"sentiment":"neutral","sentiment_score":0.016730962998487732,"num_words":33,"start":839.14,"end":851.375},{"sentences":[{"text":"Okay.","start":851.435,"end":851.935,"sentiment":"neutral","sentiment_score":0.03738265484571457},{"text":"Sounds perfect.","start":854.79504,"end":855.61505,"sentiment":"neutral","sentiment_score":0.318250373005867},{"text":"Do you want me to just do this and I can invite you to it so that way it pops up in both of our calendars?","start":874.72,"end":879.735,"sentiment":"neutral","sentiment_score":0.11174845194014218},{"text":"Yep.","start":879.735,"end":880.235,"sentiment":"neutral","sentiment_score":0.2822703421115875},{"text":"Done.","start":884.295,"end":884.795,"sentiment":"neutral","sentiment_score":0.32632172107696533}],"sentiment":"neutral","sentiment_score":0.13509468433837737,"num_words":31,"start":851.435,"end":884.795},{"sentences":[{"text":"Done.","start":893.94995,"end":894.44995,"sentiment":"neutral","sentiment_score":0.05158200487494469},{"text":"I will invite you into it so that way it has a whole thing and I guess I know how to do that.","start":895.79,"end":902.85,"sentiment":"positive","sentiment_score":0.3464439375245053},{"text":"Amazing.","start":906.105,"end":906.605,"sentiment":"positive","sentiment_score":0.8278343081474304},{"text":"Alright.","start":906.745,"end":907.145,"sentiment":"positive","sentiment_score":0.5497294664382935},{"text":"I will talk to you then then.","start":907.145,"end":908.845,"sentiment":"positive","sentiment_score":0.48161726338522776}],"sentiment":"positive","sentiment_score":0.38692961170366313,"num_words":33,"start":893.94995,"end":908.845},{"sentences":[{"text":"That's okay, Peter.","start":910.985,"end":912.025,"sentiment":"positive","sentiment_score":0.44607508182525635},{"text":"Speak soon.","start":912.025,"end":912.845,"sentiment":"neutral","sentiment_score":0.28622280806303024},{"text":"Bye.","start":913.545,"end":914.045,"sentiment":"neutral","sentiment_score":0.1915234327316284}],"sentiment":"positive","sentiment_score":0.350365715722243,"num_words":6,"start":910.985,"end":914.045}]}}]},{"alternatives":[{"transcript":"Hello. Peter speaking. Hi. Yes. Good. Thanks. Yourself? Well, that's exactly how my day go is going. I describe it as to Nobles. I've actually moved appointments appointments around, and I've still got patients booked in. I was gonna finish, but somebody has booked in appointments for me now. I've got somebody at quarter to five, and I'm only gonna finish probably at seven. Yes. Yeah. Full name, Peter Johannes Herta. Date of birth, 01/18/1977, and the address is 11 Morehouse Street, Richmond, Victoria 3121. Yes. Yeah. Yeah. Yes. Yeah. And that's probably because I've previously been treated for tuberculosis. Mhmm. Yes. Okay. Yeah. Yep. Yes. Yes. And and I was actually expecting that because I often do medicals for insurance. Yes. Yes. No. I mean, especially the past tuberculosis, then that is a concern. Yeah. Okay. Yeah. Mhmm. Okay. Mhmm. Yes. Mhmm. I'm sorry. But that and then that is per is that annual? Yeah. Yeah. So what was the number again? 11? 1175 per annum. Okay. Yep. Mhmm. No. Mhmm. Yes. Mhmm. Yes. Mhmm. Yep. Yep. Yes. So what are the options in that case? Yes. Mhmm. Yes. Mhmm. Yes. Yep. Mhmm. Mhmm. Yeah. Look. I mean, I think, you know, paying $330 a year, even even though it's only 72,000 life cover? And then how much is it per because I think it's for two years, a thousand dollars a month for two years. Yeah. Yep. Yep. That makes sense. Exactly. Yes. Yep. Yep. Yep. No. That makes sense. Mhmm. Yeah. Yep. And and, I mean, the the concern is I know that if if an insurer one insurer has declined, then it's gonna be harder for another insurer to get in get it across the line with another insurer. Yep. Yep. Yep. So, I mean, what I what I will do is I'll have a bit of a think about that. I'm gonna speak to a colleague of mine. I mean, I've got a psychiatrist colleague. We studied together in South Africa. She's also in Australia. She had renal cancer, And she was actually in the last six months, she was able to get to get TPD cover. So, I mean, I can you know, when I next see her, just sort of explore how she went about that and which insurer that was. I mean, after renal cancer, getting getting TPD insurances, obviously, you know, that's a miracle. I I don't remember when, but I know that she was able because I spoke to her about three, four weeks ago, and, yeah, she was able to to get insured. Yeah. Yep. Yeah. So let me have a bit of a chat to her and have a bit of a think about the options. Excellent. I mean, do you know of any insurers where you've had good outcomes with? Yeah. Yep. Mhmm. Yep. Yep. Okay. So I'll I'll explore that. I mean, I'm not gonna see her again. I mean, we've got a meeting together probably in the next three weeks. So I will speak to her and let you know. Yep. I mean, unless unless you unless you know of any insurers that could be explored Yeah. Yeah. Okay. Not in Australia. No. But definitely in South Africa. Look. I think let's do the following. If you can explore other options, and then maybe in about four weeks, if we can have a follow-up phone call. In four but in four weeks, I'm gonna be in South Africa. So let me just open up my calendar. Let me just see. So four weeks is gonna take us to the October 12. I'm actually back. I'm flying back on the Sunday, but I'm probably gonna be very jet lagged. Then well, how about the Wednesday, October 14? Yep. What time? So shall we say 08:30 then? Okay. Let me just see. That's 08:30. So Wednesday, October 14. Let me just but for some reason, it's not saving. Yep. I think I think that's gonna probably be the best, but I am saving it on my phone. So October 14 at 08:30. So I've now saved it, but please send me an email as well. Excellent. Right. Thank you so much for your help. Thanks. Okay. Bye bye.","confidence":0.9970703,"words":[{"word":"hello","start":1.76,"end":2.24,"confidence":0.91552734,"punctuated_word":"Hello.","sentiment":"neutral","sentiment_score":0.011920083314180374},{"word":"peter","start":2.24,"end":2.6399999,"confidence":0.9941406,"punctuated_word":"Peter","sentiment":"neutral","sentiment_score":0.009388763457536696},{"word":"speaking","start":2.6399999,"end":3.1399999,"confidence":0.9914551,"punctuated_word":"speaking.","sentiment":"neutral","sentiment_score":0.017349038273096085},{"word":"hi","start":4.4,"end":4.9,"confidence":0.94189453,"punctuated_word":"Hi.","sentiment":"neutral","sentiment_score":0.1330457627773285},{"word":"yes","start":7.52,"end":7.9199996,"confidence":0.9641113,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.3401070237159729},{"word":"good","start":7.9199996,"end":8.16,"confidence":0.984375,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.5839098691940308},{"word":"thanks","start":8.16,"end":8.559999,"confidence":0.9975586,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.5962491035461426},{"word":"yourself","start":8.559999,"end":9.059999,"confidence":0.9753418,"punctuated_word":"Yourself?","sentiment":"positive","sentiment_score":0.3435588777065277},{"word":"well","start":16.965,"end":17.465,"confidence":0.9123535,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.25059425830841064},{"word":"that's","start":18.325,"end":18.725,"confidence":0.99365234,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.4342208504676819},{"word":"exactly","start":18.725,"end":19.225,"confidence":0.9667969,"punctuated_word":"exactly","sentiment":"positive","sentiment_score":0.46859845519065857},{"word":"how","start":19.445,"end":19.685,"confidence":1.0,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.34633249044418335},{"word":"my","start":19.685,"end":19.925,"confidence":0.99902344,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.5154383182525635},{"word":"day","start":19.925,"end":20.244999,"confidence":0.9970703,"punctuated_word":"day","sentiment":"positive","sentiment_score":0.5488550066947937},{"word":"go","start":20.244999,"end":20.405,"confidence":0.9707031,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.5407740473747253},{"word":"is","start":20.645,"end":20.805,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5075513124465942},{"word":"going","start":20.805,"end":21.205,"confidence":0.99365234,"punctuated_word":"going.","sentiment":"positive","sentiment_score":0.4385918378829956},{"word":"i","start":21.205,"end":21.445,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09613030403852464},{"word":"describe","start":21.445,"end":21.945,"confidence":0.54345703,"punctuated_word":"describe","sentiment":"neutral","sentiment_score":0.08860050141811371},{"word":"it","start":22.165,"end":22.244999,"confidence":0.96435547,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11778326332569122},{"word":"as","start":22.244999,"end":22.404999,"confidence":0.72558594,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09291284531354904},{"word":"to","start":22.404999,"end":22.725,"confidence":0.26171875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09801100194454192},{"word":"nobles","start":22.725,"end":23.225,"confidence":0.7342122,"punctuated_word":"Nobles.","sentiment":"neutral","sentiment_score":0.07342347502708435},{"word":"i've","start":24.485,"end":24.725,"confidence":0.638916,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.041410282254219055},{"word":"actually","start":24.725,"end":25.205,"confidence":0.6088867,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.02986965700984001},{"word":"moved","start":25.205,"end":25.685,"confidence":0.81152344,"punctuated_word":"moved","sentiment":"neutral","sentiment_score":0.037891339510679245},{"word":"appointments","start":25.685,"end":26.185,"confidence":0.99316406,"punctuated_word":"appointments","sentiment":"neutral","sentiment_score":0.06684739142656326},{"word":"appointments","start":27.39,"end":27.710001,"confidence":0.8774414,"punctuated_word":"appointments","sentiment":"neutral","sentiment_score":0.05619938299059868},{"word":"around","start":27.710001,"end":28.11,"confidence":0.93310547,"punctuated_word":"around,","sentiment":"neutral","sentiment_score":0.02734694816172123},{"word":"and","start":28.11,"end":28.27,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.007762569934129715},{"word":"i've","start":28.27,"end":28.43,"confidence":0.8588867,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.004038154147565365},{"word":"still","start":28.43,"end":28.67,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.009866505861282349},{"word":"got","start":28.67,"end":28.91,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.02190760150551796},{"word":"patients","start":28.91,"end":29.31,"confidence":0.99121094,"punctuated_word":"patients","sentiment":"neutral","sentiment_score":0.02190437912940979},{"word":"booked","start":29.31,"end":29.630001,"confidence":0.99609375,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.017544366419315338},{"word":"in","start":29.630001,"end":30.130001,"confidence":0.98999023,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.00934445858001709},{"word":"i","start":30.35,"end":30.43,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.032646309584379196},{"word":"was","start":30.43,"end":30.59,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.04013795405626297},{"word":"gonna","start":30.59,"end":30.91,"confidence":0.99121094,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.03512510657310486},{"word":"finish","start":30.91,"end":31.310001,"confidence":0.98950195,"punctuated_word":"finish,","sentiment":"neutral","sentiment_score":-0.03440013900399208},{"word":"but","start":31.310001,"end":31.810001,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.04659217223525047},{"word":"somebody","start":32.43,"end":32.93,"confidence":0.9091797,"punctuated_word":"somebody","sentiment":"neutral","sentiment_score":-0.06748248636722565},{"word":"has","start":32.99,"end":33.31,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.0629899874329567},{"word":"booked","start":33.31,"end":33.71,"confidence":1.0,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":-0.06879843026399612},{"word":"in","start":33.71,"end":34.21,"confidence":0.97314453,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07494258135557175},{"word":"appointments","start":34.75,"end":35.25,"confidence":0.9667969,"punctuated_word":"appointments","sentiment":"neutral","sentiment_score":-0.02775588631629944},{"word":"for","start":35.39,"end":35.55,"confidence":0.9248047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.10257032513618468},{"word":"me","start":35.55,"end":35.79,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.0573599673807621},{"word":"now","start":35.79,"end":36.29,"confidence":0.9926758,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.03781708329916},{"word":"i've","start":36.91,"end":37.23,"confidence":0.9926758,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.05303572863340378},{"word":"got","start":37.23,"end":37.47,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.06399653106927872},{"word":"somebody","start":37.47,"end":37.97,"confidence":1.0,"punctuated_word":"somebody","sentiment":"neutral","sentiment_score":-0.04051013663411141},{"word":"at","start":38.11,"end":38.35,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.04333316534757614},{"word":"quarter","start":38.35,"end":38.67,"confidence":0.99316406,"punctuated_word":"quarter","sentiment":"neutral","sentiment_score":-0.0508858859539032},{"word":"to","start":38.67,"end":38.91,"confidence":0.93359375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05210844427347183},{"word":"five","start":38.91,"end":39.15,"confidence":0.9807129,"punctuated_word":"five,","sentiment":"neutral","sentiment_score":-0.0400090217590332},{"word":"and","start":39.15,"end":39.31,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0407043993473053},{"word":"i'm","start":39.31,"end":39.55,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.06541125476360321},{"word":"only","start":39.55,"end":39.71,"confidence":0.99902344,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.07195204496383667},{"word":"gonna","start":39.71,"end":40.03,"confidence":0.9941406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.03970218077301979},{"word":"finish","start":40.03,"end":40.35,"confidence":0.99902344,"punctuated_word":"finish","sentiment":"neutral","sentiment_score":-0.018500156700611115},{"word":"probably","start":40.35,"end":40.83,"confidence":0.9472656,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.035819996148347855},{"word":"at","start":40.83,"end":40.989998,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.010523170232772827},{"word":"seven","start":40.989998,"end":41.489998,"confidence":0.9970703,"punctuated_word":"seven.","sentiment":"neutral","sentiment_score":0.0014838352799415588},{"word":"yes","start":49.864998,"end":50.364998,"confidence":0.9914551,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04401382803916931},{"word":"yeah","start":59.54,"end":59.94,"confidence":0.814209,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.024006731808185577},{"word":"full","start":59.94,"end":60.18,"confidence":0.9941406,"punctuated_word":"Full","sentiment":"neutral","sentiment_score":0.01791093498468399},{"word":"name","start":60.18,"end":60.58,"confidence":0.9394531,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.022353999316692352},{"word":"peter","start":60.58,"end":60.9,"confidence":0.97265625,"punctuated_word":"Peter","sentiment":"neutral","sentiment_score":0.024026576429605484},{"word":"johannes","start":60.9,"end":61.4,"confidence":0.9580078,"punctuated_word":"Johannes","sentiment":"neutral","sentiment_score":0.030310479924082756},{"word":"herta","start":61.62,"end":62.12,"confidence":0.75878906,"punctuated_word":"Herta.","sentiment":"neutral","sentiment_score":0.030509494245052338},{"word":"date","start":62.58,"end":62.82,"confidence":0.99902344,"punctuated_word":"Date","sentiment":"neutral","sentiment_score":0.030545037239789963},{"word":"of","start":62.82,"end":63.06,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01780172437429428},{"word":"birth","start":63.06,"end":63.54,"confidence":0.98583984,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.022426920011639595},{"word":"01/18/1977","start":63.54,"end":65.86,"confidence":0.96972656,"punctuated_word":"01/18/1977,","sentiment":"neutral","sentiment_score":0.027313588187098503},{"word":"and","start":65.86,"end":66.1,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02557244896888733},{"word":"the","start":66.1,"end":66.26,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03430743142962456},{"word":"address","start":66.26,"end":66.76,"confidence":1.0,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.03271777182817459},{"word":"is","start":66.82,"end":67.3,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03647347167134285},{"word":"11","start":67.3,"end":67.8,"confidence":0.99902344,"punctuated_word":"11","sentiment":"neutral","sentiment_score":0.04022487998008728},{"word":"morehouse","start":67.94,"end":68.44,"confidence":0.65112305,"punctuated_word":"Morehouse","sentiment":"neutral","sentiment_score":0.027986541390419006},{"word":"street","start":68.58,"end":69.08,"confidence":0.9951172,"punctuated_word":"Street,","sentiment":"neutral","sentiment_score":0.02974895015358925},{"word":"richmond","start":69.825005,"end":70.325005,"confidence":0.99658203,"punctuated_word":"Richmond,","sentiment":"neutral","sentiment_score":0.028908653184771534},{"word":"victoria","start":70.465004,"end":70.965004,"confidence":0.99902344,"punctuated_word":"Victoria","sentiment":"neutral","sentiment_score":0.03190253674983978},{"word":"3121","start":71.185,"end":73.125,"confidence":0.9918213,"punctuated_word":"3121.","sentiment":"neutral","sentiment_score":0.039294980466365814},{"word":"yes","start":82.145004,"end":82.645004,"confidence":0.98999023,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.0006742365658283234},{"word":"yeah","start":86.020004,"end":86.520004,"confidence":0.9592285,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.018718739971518517},{"word":"yeah","start":89.94,"end":90.44,"confidence":0.9733887,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.049514736980199814},{"word":"yes","start":106.265,"end":106.765,"confidence":0.87402344,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.05386463552713394},{"word":"yeah","start":109.48,"end":109.88,"confidence":0.8029785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06667420268058777},{"word":"and","start":109.88,"end":110.2,"confidence":0.98535156,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.06955835223197937},{"word":"that's","start":110.2,"end":110.520004,"confidence":0.9494629,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.08202701061964035},{"word":"probably","start":110.520004,"end":111.020004,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.11085839569568634},{"word":"because","start":111.08,"end":111.56,"confidence":0.9970703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.08729066699743271},{"word":"i've","start":111.56,"end":111.8,"confidence":0.9655762,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.10181065648794174},{"word":"previously","start":111.8,"end":112.3,"confidence":0.99902344,"punctuated_word":"previously","sentiment":"neutral","sentiment_score":-0.11756080389022829},{"word":"been","start":112.6,"end":112.840004,"confidence":0.9951172,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.10430091619491576},{"word":"treated","start":112.840004,"end":113.32,"confidence":1.0,"punctuated_word":"treated","sentiment":"neutral","sentiment_score":-0.132612943649292},{"word":"for","start":113.32,"end":113.56,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.13389168679714203},{"word":"tuberculosis","start":113.56,"end":114.06,"confidence":0.967041,"punctuated_word":"tuberculosis.","sentiment":"neutral","sentiment_score":-0.1370367407798767},{"word":"mhmm","start":124.795,"end":125.295,"confidence":0.9071045,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.027094177901744843},{"word":"yes","start":137.84999,"end":138.34999,"confidence":0.96972656,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.025389494374394417},{"word":"okay","start":138.81,"end":139.31,"confidence":0.7910156,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.024542877450585365},{"word":"yeah","start":143.93,"end":144.43,"confidence":0.9758301,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00890868529677391},{"word":"yep","start":145.76999,"end":146.26999,"confidence":0.7890625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.02960721217095852},{"word":"yes","start":149.29,"end":149.79,"confidence":0.9995117,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.10892949253320694},{"word":"yes","start":156.00499,"end":156.50499,"confidence":0.9980469,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.14220136404037476},{"word":"and","start":156.72499,"end":156.965,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.11523272842168808},{"word":"and","start":156.965,"end":157.125,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13944926857948303},{"word":"i","start":157.125,"end":157.36499,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1346406787633896},{"word":"was","start":157.36499,"end":157.525,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.09868913143873216},{"word":"actually","start":157.525,"end":158.00499,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.06686333566904068},{"word":"expecting","start":158.00499,"end":158.485,"confidence":1.0,"punctuated_word":"expecting","sentiment":"neutral","sentiment_score":-0.055615589022636414},{"word":"that","start":158.485,"end":158.805,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.069893479347229},{"word":"because","start":158.805,"end":159.28499,"confidence":0.9194336,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.065473273396492},{"word":"i","start":159.28499,"end":159.44499,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13268280029296875},{"word":"often","start":159.44499,"end":159.92499,"confidence":0.99902344,"punctuated_word":"often","sentiment":"neutral","sentiment_score":-0.0930878520011902},{"word":"do","start":159.92499,"end":160.325,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.22122514247894287},{"word":"medicals","start":160.325,"end":160.825,"confidence":0.98461914,"punctuated_word":"medicals","sentiment":"neutral","sentiment_score":-0.2271328568458557},{"word":"for","start":161.28499,"end":161.605,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.2163939028978348},{"word":"insurance","start":161.605,"end":162.105,"confidence":0.9802246,"punctuated_word":"insurance.","sentiment":"neutral","sentiment_score":-0.16365566849708557},{"word":"yes","start":169.92,"end":170.42,"confidence":0.96313477,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.03565698117017746},{"word":"yes","start":170.48,"end":170.98,"confidence":0.9980469,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.004819363355636597},{"word":"no","start":171.2,"end":171.51999,"confidence":0.9562988,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1756455898284912},{"word":"i","start":171.51999,"end":171.59999,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12331175804138184},{"word":"mean","start":171.59999,"end":172.0,"confidence":0.9890137,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.11070473492145538},{"word":"especially","start":172.0,"end":172.5,"confidence":1.0,"punctuated_word":"especially","sentiment":"neutral","sentiment_score":-0.16494812071323395},{"word":"the","start":172.64,"end":173.12,"confidence":0.97265625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17792904376983645},{"word":"past","start":173.12,"end":173.51999,"confidence":0.9902344,"punctuated_word":"past","sentiment":"neutral","sentiment_score":-0.2079072147607803},{"word":"tuberculosis","start":173.51999,"end":174.01999,"confidence":0.90649414,"punctuated_word":"tuberculosis,","sentiment":"neutral","sentiment_score":-0.2651619017124176},{"word":"then","start":174.95999,"end":175.45999,"confidence":0.9902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.07792681455612183},{"word":"that","start":175.59999,"end":175.84,"confidence":0.8701172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.27485692501068115},{"word":"is","start":175.84,"end":176.08,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.294999897480011},{"word":"a","start":176.08,"end":176.15999,"confidence":0.9614258,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.23507411777973175},{"word":"concern","start":176.15999,"end":176.65999,"confidence":0.9914551,"punctuated_word":"concern.","sentiment":"neutral","sentiment_score":-0.23133328557014465},{"word":"yeah","start":191.01001,"end":191.51001,"confidence":0.9436035,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.010848313570022585},{"word":"okay","start":203.09,"end":203.59,"confidence":0.8234863,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.08586925268173218},{"word":"yeah","start":203.73001,"end":204.23001,"confidence":0.80126953,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06509165465831757},{"word":"mhmm","start":213.295,"end":213.77501,"confidence":0.92541504,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0001882687211036682},{"word":"okay","start":213.77501,"end":214.27501,"confidence":0.9338379,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.009836887940764427},{"word":"mhmm","start":228.54,"end":229.04,"confidence":0.9552002,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.015459306538105013},{"word":"yes","start":229.81999,"end":230.295,"confidence":0.98583984,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.03170877695083618},{"word":"mhmm","start":239.255,"end":239.755,"confidence":0.96813965,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.06978264451026917},{"word":"i'm","start":260.815,"end":261.135,"confidence":0.8623047,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.05222310870885849},{"word":"sorry","start":261.135,"end":261.45502,"confidence":0.89086914,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.08057521283626556},{"word":"but","start":261.45502,"end":261.695,"confidence":0.5991211,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.058276303112506866},{"word":"that","start":261.695,"end":261.77502,"confidence":0.92333984,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07300375401973724},{"word":"and","start":261.855,"end":262.095,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07513009011745453},{"word":"then","start":262.095,"end":262.255,"confidence":0.5234375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.05922903120517731},{"word":"that","start":262.255,"end":262.49503,"confidence":0.9770508,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07304956018924713},{"word":"is","start":262.49503,"end":262.815,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06671332567930222},{"word":"per","start":262.815,"end":262.975,"confidence":0.9135742,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.04572412371635437},{"word":"is","start":263.135,"end":263.295,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05229111388325691},{"word":"that","start":263.295,"end":263.61502,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04874366149306297},{"word":"annual","start":263.61502,"end":264.11502,"confidence":0.9797363,"punctuated_word":"annual?","sentiment":"neutral","sentiment_score":-0.04763297364115715},{"word":"yeah","start":266.17502,"end":266.67502,"confidence":0.7675781,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.018816053867340088},{"word":"yeah","start":266.73502,"end":267.05502,"confidence":0.9013672,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.016166167333722115},{"word":"so","start":267.05502,"end":267.295,"confidence":0.9472656,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.009384557604789734},{"word":"what","start":267.295,"end":267.45502,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.012914437800645828},{"word":"was","start":267.45502,"end":267.61502,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.01069527119398117},{"word":"the","start":267.61502,"end":267.77502,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01033610850572586},{"word":"number","start":267.77502,"end":268.17502,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":-0.0021364912390708923},{"word":"again","start":268.17502,"end":268.575,"confidence":0.96972656,"punctuated_word":"again?","sentiment":"neutral","sentiment_score":0.0038395170122385025},{"word":"11","start":268.575,"end":269.39502,"confidence":0.883667,"punctuated_word":"11?","sentiment":"neutral","sentiment_score":0.0032881880179047585},{"word":"1175","start":271.47,"end":272.83,"confidence":0.993042,"punctuated_word":"1175","sentiment":"neutral","sentiment_score":0.006911833770573139},{"word":"per","start":272.83,"end":273.15,"confidence":0.97802734,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.020564092323184013},{"word":"annum","start":273.15,"end":273.65,"confidence":0.9658203,"punctuated_word":"annum.","sentiment":"neutral","sentiment_score":0.010267993435263634},{"word":"okay","start":273.71,"end":274.11,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06219480186700821},{"word":"yep","start":274.11,"end":274.61,"confidence":0.91748047,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09228106588125227},{"word":"mhmm","start":281.38998,"end":281.88998,"confidence":0.98413086,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1038786768913269},{"word":"no","start":288.115,"end":288.615,"confidence":0.93188477,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.02374893799424171},{"word":"mhmm","start":292.435,"end":292.935,"confidence":0.95544434,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.014078539796173573},{"word":"yes","start":296.275,"end":296.775,"confidence":1.0,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1908334642648697},{"word":"mhmm","start":304.63,"end":305.13,"confidence":0.97509766,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.18765392899513245},{"word":"yes","start":308.47,"end":308.97,"confidence":1.0,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.3021236062049866},{"word":"mhmm","start":320.435,"end":320.935,"confidence":0.8828125,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.12417140603065492},{"word":"yep","start":321.39,"end":321.89,"confidence":0.90893555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0986032709479332},{"word":"yep","start":327.71252,"end":328.21252,"confidence":0.7714844,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16145476698875427},{"word":"yes","start":341.075,"end":341.575,"confidence":0.9628906,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10000919550657272},{"word":"so","start":342.035,"end":342.275,"confidence":0.9716797,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.045551102608442307},{"word":"what","start":342.275,"end":342.435,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.011764153838157654},{"word":"are","start":342.435,"end":342.595,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.011608287692070007},{"word":"the","start":342.595,"end":342.835,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.001899637281894684},{"word":"options","start":342.835,"end":343.335,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":-0.01659676432609558},{"word":"in","start":343.475,"end":343.715,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.002853475511074066},{"word":"that","start":343.715,"end":344.035,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.005152937024831772},{"word":"case","start":344.035,"end":344.535,"confidence":0.99902344,"punctuated_word":"case?","sentiment":"neutral","sentiment_score":0.02390694059431553},{"word":"yes","start":366.98502,"end":367.48502,"confidence":0.9748535,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.09810534864664078},{"word":"mhmm","start":372.505,"end":373.005,"confidence":0.9992676,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.05320703610777855},{"word":"yes","start":380.71,"end":381.21,"confidence":0.9980469,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1869814693927765},{"word":"mhmm","start":396.975,"end":397.135,"confidence":0.91296387,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.021624907851219177},{"word":"yes","start":397.135,"end":397.635,"confidence":0.9980469,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.03760458901524544},{"word":"yep","start":402.91,"end":403.41,"confidence":0.80688477,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.054717808961868286},{"word":"mhmm","start":408.83002,"end":409.33002,"confidence":0.9980469,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.009576845914125444},{"word":"mhmm","start":428.95,"end":429.45,"confidence":0.91015625,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.1750744730234146},{"word":"yeah","start":431.43,"end":431.93,"confidence":0.78393555,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.10516849160194396},{"word":"look","start":432.15,"end":432.39,"confidence":0.79418945,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":-0.07919393479824066},{"word":"i","start":432.39,"end":432.55002,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08425982296466827},{"word":"mean","start":432.55002,"end":432.71,"confidence":0.9909668,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.06507083028554916},{"word":"i","start":432.71,"end":432.79,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08059567958116531},{"word":"think","start":432.79,"end":433.03,"confidence":0.95947266,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":-0.0669059231877327},{"word":"you","start":433.03,"end":433.27,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08800987899303436},{"word":"know","start":433.27,"end":433.43,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.09234435856342316},{"word":"paying","start":433.43,"end":433.91,"confidence":0.9970703,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.1036699041724205},{"word":"$330","start":433.91,"end":435.27,"confidence":0.9941406,"punctuated_word":"$330","sentiment":"neutral","sentiment_score":-0.05719156190752983},{"word":"a","start":435.27,"end":435.35,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.060647521167993546},{"word":"year","start":435.35,"end":435.75,"confidence":0.7705078,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.07191786915063858},{"word":"even","start":435.75,"end":436.23,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.1075955331325531},{"word":"even","start":436.23,"end":436.55,"confidence":0.98828125,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.06299783289432526},{"word":"though","start":436.55,"end":436.71,"confidence":1.0,"punctuated_word":"though","sentiment":"neutral","sentiment_score":-0.05371946468949318},{"word":"it's","start":436.71,"end":437.19,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0855587050318718},{"word":"only","start":437.19,"end":437.69,"confidence":0.99609375,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.10682429373264311},{"word":"72,000","start":438.23,"end":439.715,"confidence":0.9996745,"punctuated_word":"72,000","sentiment":"neutral","sentiment_score":-0.06497872620820999},{"word":"life","start":440.25497,"end":440.57498,"confidence":0.9790039,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.0933455526828766},{"word":"cover","start":440.57498,"end":440.895,"confidence":0.77490234,"punctuated_word":"cover?","sentiment":"neutral","sentiment_score":-0.0766133964061737},{"word":"and","start":440.895,"end":441.055,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.06052510812878609},{"word":"then","start":441.055,"end":441.455,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.0399550199508667},{"word":"how","start":441.455,"end":441.69498,"confidence":0.9580078,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.06064281240105629},{"word":"much","start":441.69498,"end":441.85498,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.0633423700928688},{"word":"is","start":441.85498,"end":442.01498,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05456450209021568},{"word":"it","start":442.01498,"end":442.495,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03606557846069336},{"word":"per","start":442.495,"end":442.995,"confidence":0.94384766,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.03230168670415878},{"word":"because","start":443.615,"end":443.85498,"confidence":0.9873047,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.025687329471111298},{"word":"i","start":443.85498,"end":443.935,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02920209802687168},{"word":"think","start":443.935,"end":444.09497,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.022254059091210365},{"word":"it's","start":444.09497,"end":444.59497,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.026307037100195885},{"word":"for","start":444.97498,"end":445.29498,"confidence":0.9326172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.024696676060557365},{"word":"two","start":445.29498,"end":445.615,"confidence":0.8691406,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.03964319825172424},{"word":"years","start":445.615,"end":446.115,"confidence":0.5883789,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.03672223538160324},{"word":"a","start":446.41498,"end":446.495,"confidence":0.9633789,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0538812056183815},{"word":"thousand","start":446.495,"end":446.895,"confidence":0.99609375,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":-0.048452313989400864},{"word":"dollars","start":446.895,"end":447.215,"confidence":1.0,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":-0.05526617169380188},{"word":"a","start":447.215,"end":447.375,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05255003646016121},{"word":"month","start":447.375,"end":447.615,"confidence":1.0,"punctuated_word":"month","sentiment":"neutral","sentiment_score":-0.050923265516757965},{"word":"for","start":447.615,"end":447.85498,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.06227448582649231},{"word":"two","start":447.85498,"end":448.09497,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.06589291989803314},{"word":"years","start":448.09497,"end":448.59497,"confidence":0.9904785,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.05361810326576233},{"word":"yeah","start":449.85498,"end":450.35498,"confidence":0.9797363,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00034295395016670227},{"word":"yep","start":456.27,"end":456.77,"confidence":0.97265625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0678880512714386},{"word":"yep","start":457.39,"end":457.79,"confidence":0.9020996,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11625176668167114},{"word":"that","start":457.79,"end":458.11,"confidence":0.9873047,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.2286958396434784},{"word":"makes","start":458.11,"end":458.35,"confidence":0.97314453,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.20010161399841309},{"word":"sense","start":458.35,"end":458.85,"confidence":0.9926758,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.11294927448034286},{"word":"exactly","start":476.025,"end":476.525,"confidence":0.9589844,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.0008972659707069397},{"word":"yes","start":476.825,"end":477.325,"confidence":0.9946289,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10325205326080322},{"word":"yep","start":488.61,"end":489.11,"confidence":0.97265625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1821647137403488},{"word":"yep","start":497.265,"end":497.765,"confidence":0.7133789,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1965065896511078},{"word":"yep","start":506.58002,"end":506.98,"confidence":0.9802246,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.032556746155023575},{"word":"no","start":506.98,"end":507.22,"confidence":0.892334,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0724106878042221},{"word":"that","start":507.22,"end":507.38,"confidence":0.9980469,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.05123911798000336},{"word":"makes","start":507.38,"end":507.78,"confidence":0.9633789,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":-0.027967602014541623},{"word":"sense","start":507.78,"end":508.28,"confidence":0.9970703,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":-0.11127746105194092},{"word":"mhmm","start":517.545,"end":518.045,"confidence":0.89697266,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.00587698258459568},{"word":"yeah","start":524.6625,"end":525.1625,"confidence":0.904541,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03857522830367088},{"word":"yep","start":533.30005,"end":533.78,"confidence":0.90185547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.019081223756074905},{"word":"and","start":533.78,"end":534.10004,"confidence":0.9941406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.092595636844635},{"word":"and","start":534.10004,"end":534.42004,"confidence":0.642334,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.09664425253868104},{"word":"i","start":534.42004,"end":534.5,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12711548805236816},{"word":"mean","start":534.5,"end":535.0,"confidence":0.99853516,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.10315285623073578},{"word":"the","start":535.06006,"end":535.14,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14165380597114563},{"word":"the","start":535.14,"end":535.38,"confidence":0.9453125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1367612183094025},{"word":"concern","start":535.38,"end":535.78,"confidence":0.9980469,"punctuated_word":"concern","sentiment":"neutral","sentiment_score":-0.15179169178009033},{"word":"is","start":535.78,"end":535.94,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1468942165374756},{"word":"i","start":535.94,"end":536.10004,"confidence":0.8925781,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17599424719810486},{"word":"know","start":536.10004,"end":536.26,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.2080928087234497},{"word":"that","start":536.26,"end":536.58,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.19256384670734408},{"word":"if","start":536.58,"end":536.82,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.27103182673454285},{"word":"if","start":536.82,"end":537.14,"confidence":0.9482422,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.3143004775047302},{"word":"an","start":537.14,"end":537.46,"confidence":0.9970703,"punctuated_word":"an","sentiment":"negative","sentiment_score":-0.3803158402442932},{"word":"insurer","start":537.46,"end":537.94,"confidence":0.9633789,"punctuated_word":"insurer","sentiment":"negative","sentiment_score":-0.3661803603172302},{"word":"one","start":538.18005,"end":538.42004,"confidence":1.0,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.4506787955760956},{"word":"insurer","start":538.42004,"end":538.92004,"confidence":1.0,"punctuated_word":"insurer","sentiment":"negative","sentiment_score":-0.4068062007427216},{"word":"has","start":538.98004,"end":539.30005,"confidence":0.9980469,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.3737221360206604},{"word":"declined","start":539.30005,"end":539.80005,"confidence":0.9885254,"punctuated_word":"declined,","sentiment":"neutral","sentiment_score":-0.3248389661312103},{"word":"then","start":539.94,"end":540.10004,"confidence":0.99316406,"punctuated_word":"then","sentiment":"negative","sentiment_score":-0.3950541913509369},{"word":"it's","start":540.10004,"end":540.34,"confidence":1.0,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.4655548930168152},{"word":"gonna","start":540.34,"end":540.58,"confidence":0.94384766,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.45377862453460693},{"word":"be","start":540.58,"end":540.82,"confidence":0.99609375,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.461604356765747},{"word":"harder","start":540.82,"end":541.30005,"confidence":1.0,"punctuated_word":"harder","sentiment":"negative","sentiment_score":-0.40652284026145935},{"word":"for","start":541.30005,"end":541.46,"confidence":1.0,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.5138198733329773},{"word":"another","start":541.46,"end":541.94,"confidence":1.0,"punctuated_word":"another","sentiment":"negative","sentiment_score":-0.47339028120040894},{"word":"insurer","start":541.94,"end":542.44,"confidence":0.99902344,"punctuated_word":"insurer","sentiment":"negative","sentiment_score":-0.45537862181663513},{"word":"to","start":542.66003,"end":542.82,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4478587806224823},{"word":"get","start":542.82,"end":543.06006,"confidence":1.0,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.501068115234375},{"word":"in","start":543.06006,"end":543.14,"confidence":0.7324219,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.49583062529563904},{"word":"get","start":543.30005,"end":543.54004,"confidence":0.9980469,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.4938199520111084},{"word":"it","start":543.54004,"end":543.7,"confidence":0.99902344,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.44136589765548706},{"word":"across","start":543.7,"end":544.10004,"confidence":1.0,"punctuated_word":"across","sentiment":"negative","sentiment_score":-0.46140608191490173},{"word":"the","start":544.10004,"end":544.18005,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4535815119743347},{"word":"line","start":544.18005,"end":544.5,"confidence":1.0,"punctuated_word":"line","sentiment":"negative","sentiment_score":-0.4573762118816376},{"word":"with","start":544.5,"end":544.74005,"confidence":1.0,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.36737385392189026},{"word":"another","start":544.74005,"end":545.14,"confidence":1.0,"punctuated_word":"another","sentiment":"negative","sentiment_score":-0.3655507564544678},{"word":"insurer","start":545.14,"end":545.64,"confidence":0.9904785,"punctuated_word":"insurer.","sentiment":"neutral","sentiment_score":-0.3066853880882263},{"word":"yep","start":574.195,"end":574.695,"confidence":0.79052734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.014092667028307916},{"word":"yep","start":579.875,"end":580.375,"confidence":0.9946289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0038638513069599863},{"word":"yep","start":583.955,"end":584.455,"confidence":0.99316406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04466237872838974},{"word":"so","start":584.755,"end":585.075,"confidence":0.89160156,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.03535086661577225},{"word":"i","start":585.075,"end":585.155,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04322436824440956},{"word":"mean","start":585.155,"end":585.555,"confidence":1.0,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.082549087703228},{"word":"what","start":585.555,"end":585.795,"confidence":0.9707031,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0737222209572792},{"word":"i","start":585.795,"end":586.295,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05125861614942551},{"word":"what","start":586.68,"end":586.83997,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05819450318813324},{"word":"i","start":586.83997,"end":587.0,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05010256916284561},{"word":"will","start":587.0,"end":587.16,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.04057801514863968},{"word":"do","start":587.16,"end":587.39996,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0589718222618103},{"word":"is","start":587.39996,"end":587.64,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06031346693634987},{"word":"i'll","start":587.64,"end":587.88,"confidence":0.9885254,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.052127666771411896},{"word":"have","start":587.88,"end":587.95996,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03958187997341156},{"word":"a","start":587.95996,"end":588.04,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03674647957086563},{"word":"bit","start":588.04,"end":588.2,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.045469991862773895},{"word":"of","start":588.2,"end":588.36,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.014053858816623688},{"word":"a","start":588.36,"end":588.44,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.00302230566740036},{"word":"think","start":588.44,"end":588.68,"confidence":0.9980469,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.017145585268735886},{"word":"about","start":588.68,"end":588.92,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0058217719197273254},{"word":"that","start":588.92,"end":589.16,"confidence":0.99560547,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.022487889975309372},{"word":"i'm","start":589.16,"end":589.24,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0293414406478405},{"word":"gonna","start":589.24,"end":589.56,"confidence":0.9716797,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.04187224805355072},{"word":"speak","start":589.56,"end":589.8,"confidence":0.9970703,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":0.02643425017595291},{"word":"to","start":589.8,"end":590.04,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.042045220732688904},{"word":"a","start":590.04,"end":590.27997,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0553237721323967},{"word":"colleague","start":590.27997,"end":590.68,"confidence":1.0,"punctuated_word":"colleague","sentiment":"neutral","sentiment_score":0.02170269936323166},{"word":"of","start":590.68,"end":590.83997,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0410565510392189},{"word":"mine","start":590.83997,"end":591.16,"confidence":0.9975586,"punctuated_word":"mine.","sentiment":"neutral","sentiment_score":0.04551258310675621},{"word":"i","start":591.16,"end":591.32,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03630708158016205},{"word":"mean","start":591.32,"end":591.56,"confidence":0.9995117,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.04621130973100662},{"word":"i've","start":591.56,"end":591.72,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.047859445214271545},{"word":"got","start":591.72,"end":591.88,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0589628741145134},{"word":"a","start":591.88,"end":592.27997,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04502974450588226},{"word":"psychiatrist","start":592.27997,"end":592.77997,"confidence":0.99902344,"punctuated_word":"psychiatrist","sentiment":"neutral","sentiment_score":0.03322084993124008},{"word":"colleague","start":593.16,"end":593.66,"confidence":0.77612305,"punctuated_word":"colleague.","sentiment":"neutral","sentiment_score":0.03563463315367699},{"word":"we","start":593.72,"end":593.96,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.04578225314617157},{"word":"studied","start":593.96,"end":594.44,"confidence":0.9506836,"punctuated_word":"studied","sentiment":"neutral","sentiment_score":0.02880719304084778},{"word":"together","start":594.44,"end":594.83997,"confidence":1.0,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.030038120225071907},{"word":"in","start":594.83997,"end":595.0,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03295877203345299},{"word":"south","start":595.0,"end":595.32,"confidence":1.0,"punctuated_word":"South","sentiment":"neutral","sentiment_score":0.023555271327495575},{"word":"africa","start":595.32,"end":595.82,"confidence":0.9975586,"punctuated_word":"Africa.","sentiment":"neutral","sentiment_score":0.022452276200056076},{"word":"she's","start":595.88,"end":596.12,"confidence":0.9995117,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":0.009637292474508286},{"word":"also","start":596.12,"end":596.36,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.004026036709547043},{"word":"in","start":596.36,"end":596.6,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0012087523937225342},{"word":"australia","start":596.6,"end":597.1,"confidence":1.0,"punctuated_word":"Australia.","sentiment":"neutral","sentiment_score":-0.002823818475008011},{"word":"she","start":598.04,"end":598.54,"confidence":1.0,"punctuated_word":"She","sentiment":"neutral","sentiment_score":-0.04539624974131584},{"word":"had","start":599.0,"end":599.39996,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.03773815929889679},{"word":"renal","start":599.39996,"end":599.89996,"confidence":0.99902344,"punctuated_word":"renal","sentiment":"neutral","sentiment_score":-0.0694432258605957},{"word":"cancer","start":599.96,"end":600.46,"confidence":0.7741699,"punctuated_word":"cancer,","sentiment":"neutral","sentiment_score":-0.057363249361515045},{"word":"and","start":601.425,"end":601.665,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.01717207580804825},{"word":"she","start":601.665,"end":601.90497,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.014178246259689333},{"word":"was","start":601.90497,"end":602.225,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.009768158197402954},{"word":"actually","start":602.225,"end":602.725,"confidence":0.94140625,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.039776526391506195},{"word":"in","start":603.025,"end":603.185,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.012953199446201324},{"word":"the","start":603.185,"end":603.345,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.012913592159748076},{"word":"last","start":603.345,"end":603.665,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.015971943736076355},{"word":"six","start":603.665,"end":603.90497,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.016584157943725586},{"word":"months","start":603.90497,"end":604.385,"confidence":0.9980469,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.03154193237423897},{"word":"she","start":604.385,"end":604.545,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.07019418478012085},{"word":"was","start":604.545,"end":604.785,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.11672466993331908},{"word":"able","start":604.785,"end":605.265,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.13547776639461517},{"word":"to","start":605.265,"end":605.425,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12490613758563995},{"word":"get","start":605.425,"end":605.925,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07512569427490234},{"word":"to","start":607.265,"end":607.505,"confidence":0.77246094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05559851974248886},{"word":"get","start":607.505,"end":607.745,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.019550926983356476},{"word":"tpd","start":607.745,"end":608.245,"confidence":0.9765625,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.0026432201266288757},{"word":"cover","start":608.385,"end":608.885,"confidence":0.986084,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":-0.01259833574295044},{"word":"so","start":609.665,"end":610.065,"confidence":0.92749023,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.024754047393798828},{"word":"i","start":610.065,"end":610.145,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.034636855125427246},{"word":"mean","start":610.145,"end":610.465,"confidence":1.0,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.0589987188577652},{"word":"i","start":610.465,"end":610.625,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10103180259466173},{"word":"can","start":610.625,"end":610.865,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11295678466558456},{"word":"you","start":611.105,"end":611.265,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09484955668449402},{"word":"know","start":611.265,"end":611.425,"confidence":0.9914551,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.09874798357486723},{"word":"when","start":611.425,"end":611.665,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1038290560245514},{"word":"i","start":611.665,"end":611.745,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07060588896274567},{"word":"next","start":611.745,"end":612.145,"confidence":0.9970703,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.04488077014684677},{"word":"see","start":612.145,"end":612.305,"confidence":0.9941406,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0051155611872673035},{"word":"her","start":612.305,"end":612.805,"confidence":0.8095703,"punctuated_word":"her,","sentiment":"neutral","sentiment_score":0.004484556615352631},{"word":"just","start":612.945,"end":613.2,"confidence":0.9873047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0013049915432929993},{"word":"sort","start":613.2,"end":613.52,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.004015088081359863},{"word":"of","start":613.52,"end":613.68,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.028847552835941315},{"word":"explore","start":613.68,"end":614.18,"confidence":0.99902344,"punctuated_word":"explore","sentiment":"neutral","sentiment_score":-0.04135031998157501},{"word":"how","start":614.24,"end":614.48004,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.007767967879772186},{"word":"she","start":614.48004,"end":614.72003,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.008711837232112885},{"word":"went","start":614.72003,"end":615.04004,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.020243674516677856},{"word":"about","start":615.04004,"end":615.28,"confidence":0.9472656,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.0263601616024971},{"word":"that","start":615.28,"end":615.60004,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03969379514455795},{"word":"and","start":615.60004,"end":615.76,"confidence":0.9760742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05811774730682373},{"word":"which","start":615.76,"end":616.08,"confidence":0.99902344,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.06944358348846436},{"word":"insurer","start":616.08,"end":616.58,"confidence":0.9941406,"punctuated_word":"insurer","sentiment":"neutral","sentiment_score":-0.0860479474067688},{"word":"that","start":616.64,"end":616.88,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06671509891748428},{"word":"was","start":616.88,"end":617.2,"confidence":0.98217773,"punctuated_word":"was.","sentiment":"neutral","sentiment_score":-0.053855039179325104},{"word":"i","start":617.2,"end":617.28,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.012094676494598389},{"word":"mean","start":617.28,"end":617.60004,"confidence":0.99902344,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.088664211332798},{"word":"after","start":617.60004,"end":618.08,"confidence":0.99902344,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.05159685015678406},{"word":"renal","start":618.08,"end":618.48004,"confidence":0.8388672,"punctuated_word":"renal","sentiment":"neutral","sentiment_score":-0.03653690218925476},{"word":"cancer","start":618.48004,"end":618.98004,"confidence":0.97875977,"punctuated_word":"cancer,","sentiment":"neutral","sentiment_score":0.08648587763309479},{"word":"getting","start":619.60004,"end":620.0,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.21570752561092377},{"word":"getting","start":620.0,"end":620.32,"confidence":0.99902344,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.10453400015830994},{"word":"tpd","start":620.32,"end":620.82,"confidence":0.9746094,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.03444669023156166},{"word":"insurances","start":620.96,"end":621.46,"confidence":0.84261066,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.029230182990431786},{"word":"obviously","start":621.68,"end":622.18,"confidence":0.90527344,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.011332213878631592},{"word":"you","start":622.64,"end":622.72003,"confidence":0.95703125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.017915338277816772},{"word":"know","start":622.72003,"end":622.96,"confidence":0.9628906,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.018262319266796112},{"word":"that's","start":622.96,"end":623.2,"confidence":0.7976074,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1251198649406433},{"word":"a","start":623.2,"end":623.36,"confidence":0.9760742,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.009328633546829224},{"word":"miracle","start":623.36,"end":623.86,"confidence":0.99902344,"punctuated_word":"miracle.","sentiment":"neutral","sentiment_score":0.04835755378007889},{"word":"i","start":630.53503,"end":631.03503,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08461013436317444},{"word":"i","start":631.09503,"end":631.335,"confidence":0.61376953,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03558281436562538},{"word":"don't","start":631.335,"end":631.575,"confidence":0.75634766,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0516565814614296},{"word":"remember","start":631.575,"end":632.075,"confidence":0.9941406,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":-0.02929779887199402},{"word":"when","start":632.775,"end":633.275,"confidence":0.8652344,"punctuated_word":"when,","sentiment":"neutral","sentiment_score":-0.02899269014596939},{"word":"but","start":635.09503,"end":635.41504,"confidence":0.6196289,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04151280969381333},{"word":"i","start":635.41504,"end":635.655,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08767403662204742},{"word":"know","start":635.655,"end":635.97504,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.1371479034423828},{"word":"that","start":635.97504,"end":636.215,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17599627375602722},{"word":"she","start":636.215,"end":636.375,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.19730854034423828},{"word":"was","start":636.375,"end":636.61505,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.2248568832874298},{"word":"able","start":636.61505,"end":636.775,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.24585267901420593},{"word":"because","start":636.935,"end":637.09503,"confidence":0.9970703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.23919761180877688},{"word":"i","start":637.09503,"end":637.335,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2423529177904129},{"word":"spoke","start":637.335,"end":637.655,"confidence":0.98535156,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.19609543681144712},{"word":"to","start":637.655,"end":637.815,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2135184556245804},{"word":"her","start":637.815,"end":638.135,"confidence":1.0,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.18955935537815097},{"word":"about","start":638.135,"end":638.53503,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.15560242533683777},{"word":"three","start":638.53503,"end":638.85504,"confidence":0.9753418,"punctuated_word":"three,","sentiment":"neutral","sentiment_score":0.1704653948545456},{"word":"four","start":638.85504,"end":639.09503,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.1716964840888977},{"word":"weeks","start":639.09503,"end":639.41504,"confidence":1.0,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.14657682180404663},{"word":"ago","start":639.41504,"end":639.895,"confidence":0.8466797,"punctuated_word":"ago,","sentiment":"neutral","sentiment_score":0.1780400425195694},{"word":"and","start":639.895,"end":640.215,"confidence":0.98291016,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.20636647939682007},{"word":"yeah","start":640.215,"end":640.53503,"confidence":0.9016113,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.2741629481315613},{"word":"she","start":640.53503,"end":640.775,"confidence":1.0,"punctuated_word":"she","sentiment":"positive","sentiment_score":0.3349144756793976},{"word":"was","start":640.775,"end":640.935,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.29822129011154175},{"word":"able","start":640.935,"end":641.335,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.2773975133895874},{"word":"to","start":641.335,"end":641.73505,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25432267785072327},{"word":"to","start":641.73505,"end":641.97504,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17958328127861023},{"word":"get","start":641.97504,"end":642.215,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.10954482108354568},{"word":"insured","start":642.215,"end":642.715,"confidence":0.99560547,"punctuated_word":"insured.","sentiment":"neutral","sentiment_score":0.07105810940265656},{"word":"yeah","start":649.72003,"end":650.22003,"confidence":0.86450195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15719693899154663},{"word":"yep","start":652.44,"end":652.94,"confidence":0.9802246,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2275707721710205},{"word":"yeah","start":653.48004,"end":653.88,"confidence":0.79663086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11436472833156586},{"word":"so","start":653.88,"end":654.04004,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10385847091674805},{"word":"let","start":654.04004,"end":654.2,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1182144433259964},{"word":"me","start":654.2,"end":654.36005,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1368703842163086},{"word":"have","start":654.36005,"end":654.52,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1405969113111496},{"word":"a","start":654.52,"end":654.60004,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.132826566696167},{"word":"bit","start":654.60004,"end":654.76,"confidence":0.90625,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11829030513763428},{"word":"of","start":654.76,"end":654.84,"confidence":0.7290039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12912844121456146},{"word":"a","start":654.84,"end":655.0,"confidence":0.8203125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12168365716934204},{"word":"chat","start":655.0,"end":655.24,"confidence":0.9970703,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.15768161416053772},{"word":"to","start":655.24,"end":655.4,"confidence":0.703125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1219320073723793},{"word":"her","start":655.4,"end":655.64,"confidence":1.0,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.11968021094799042},{"word":"and","start":655.64,"end":655.88,"confidence":0.9819336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09877502918243408},{"word":"have","start":655.88,"end":656.12,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12069598585367204},{"word":"a","start":656.12,"end":656.2,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13229386508464813},{"word":"bit","start":656.2,"end":656.36005,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.135749489068985},{"word":"of","start":656.36005,"end":656.52,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15727366507053375},{"word":"a","start":656.52,"end":656.60004,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15177859365940094},{"word":"think","start":656.60004,"end":656.92004,"confidence":0.9980469,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.13492484390735626},{"word":"about","start":656.92004,"end":657.16003,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.11133906245231628},{"word":"the","start":657.16003,"end":657.32,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09631188958883286},{"word":"options","start":657.32,"end":657.82,"confidence":0.99902344,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":0.08136485517024994},{"word":"excellent","start":665.525,"end":666.005,"confidence":0.9321289,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.7115063667297363},{"word":"i","start":666.005,"end":666.165,"confidence":0.9892578,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5311620831489563},{"word":"mean","start":666.165,"end":666.405,"confidence":0.9980469,"punctuated_word":"mean,","sentiment":"positive","sentiment_score":0.4641057848930359},{"word":"do","start":666.405,"end":666.565,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.32938799262046814},{"word":"you","start":666.565,"end":666.725,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3552730679512024},{"word":"know","start":666.725,"end":666.965,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.30531105399131775},{"word":"of","start":666.965,"end":667.125,"confidence":0.9199219,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.28237876296043396},{"word":"any","start":667.125,"end":667.605,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.23827993869781497},{"word":"insurers","start":667.605,"end":668.105,"confidence":0.9375,"punctuated_word":"insurers","sentiment":"neutral","sentiment_score":0.2836630344390869},{"word":"where","start":668.325,"end":668.565,"confidence":0.9980469,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.24464888870716095},{"word":"you've","start":668.565,"end":668.885,"confidence":0.99658203,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.3371734023094177},{"word":"had","start":668.885,"end":669.365,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.31251320242881775},{"word":"good","start":669.365,"end":669.685,"confidence":0.93115234,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.264567494392395},{"word":"outcomes","start":669.685,"end":670.185,"confidence":1.0,"punctuated_word":"outcomes","sentiment":"positive","sentiment_score":0.3969482481479645},{"word":"with","start":670.245,"end":670.71,"confidence":0.9975586,"punctuated_word":"with?","sentiment":"neutral","sentiment_score":0.2999246120452881},{"word":"yeah","start":680.07,"end":680.57,"confidence":0.8154297,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.15490873157978058},{"word":"yep","start":695.21497,"end":695.71497,"confidence":0.84375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.02919822931289673},{"word":"mhmm","start":696.0,"end":696.5,"confidence":0.8665161,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.04572276771068573},{"word":"yep","start":710.48,"end":710.8,"confidence":0.7800293,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.002144451020285487},{"word":"yep","start":710.8,"end":711.3,"confidence":0.83154297,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.006762220524251461},{"word":"okay","start":711.89496,"end":712.21497,"confidence":1.0,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.01574087142944336},{"word":"so","start":712.21497,"end":712.695,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0016240552067756653},{"word":"i'll","start":712.695,"end":712.855,"confidence":0.9904785,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.005994394421577454},{"word":"i'll","start":712.855,"end":713.355,"confidence":0.98706055,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.019242823123931885},{"word":"explore","start":713.575,"end":714.075,"confidence":0.98828125,"punctuated_word":"explore","sentiment":"neutral","sentiment_score":0.009043753147125244},{"word":"that","start":714.21497,"end":714.535,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.012259867042303084},{"word":"i","start":714.535,"end":714.615,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05934195592999458},{"word":"mean","start":714.615,"end":714.855,"confidence":0.99902344,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.07824508100748062},{"word":"i'm","start":714.855,"end":714.935,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.10854600369930267},{"word":"not","start":714.935,"end":715.095,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1597243696451187},{"word":"gonna","start":715.095,"end":715.33496,"confidence":0.94921875,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.1426476538181305},{"word":"see","start":715.33496,"end":715.575,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.13288719952106476},{"word":"her","start":715.575,"end":715.735,"confidence":0.99902344,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.11989327520132063},{"word":"again","start":715.735,"end":715.975,"confidence":0.99902344,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":-0.18382346630096436},{"word":"i","start":715.975,"end":716.055,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1000201553106308},{"word":"mean","start":716.055,"end":716.295,"confidence":0.9995117,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.06349268555641174},{"word":"we've","start":716.295,"end":716.535,"confidence":0.99853516,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.04759633541107178},{"word":"got","start":716.535,"end":716.77496,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.07182379066944122},{"word":"a","start":716.77496,"end":716.935,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05452170595526695},{"word":"meeting","start":716.935,"end":717.33496,"confidence":1.0,"punctuated_word":"meeting","sentiment":"neutral","sentiment_score":-0.05385223776102066},{"word":"together","start":717.33496,"end":717.83496,"confidence":1.0,"punctuated_word":"together","sentiment":"neutral","sentiment_score":-0.03528763726353645},{"word":"probably","start":717.89496,"end":718.295,"confidence":0.94970703,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.023097164928913116},{"word":"in","start":718.295,"end":718.45496,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02080320194363594},{"word":"the","start":718.45496,"end":718.615,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.021345309913158417},{"word":"next","start":718.615,"end":718.855,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.030106939375400543},{"word":"three","start":718.855,"end":719.175,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.05332817882299423},{"word":"weeks","start":719.175,"end":719.675,"confidence":0.8288574,"punctuated_word":"weeks.","sentiment":"neutral","sentiment_score":-0.05825655907392502},{"word":"so","start":721.175,"end":721.33496,"confidence":0.734375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.013947665691375732},{"word":"i","start":721.33496,"end":721.495,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.003173176199197769},{"word":"will","start":721.495,"end":721.815,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.00919586792588234},{"word":"speak","start":721.815,"end":722.135,"confidence":1.0,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":-0.012203045189380646},{"word":"to","start":722.135,"end":722.375,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0010548904538154602},{"word":"her","start":722.375,"end":722.695,"confidence":1.0,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.011440005153417587},{"word":"and","start":722.695,"end":723.095,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.019114535301923752},{"word":"let","start":723.095,"end":723.415,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.010384716093540192},{"word":"you","start":723.415,"end":723.575,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.022220224142074585},{"word":"know","start":723.575,"end":724.05,"confidence":0.98291016,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.012824131175875664},{"word":"yep","start":732.37,"end":732.87,"confidence":0.7939453,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03159231320023537},{"word":"i","start":745.905,"end":745.98505,"confidence":0.9267578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.00869780033826828},{"word":"mean","start":745.98505,"end":746.30505,"confidence":0.9765625,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.024083109572529793},{"word":"unless","start":746.30505,"end":746.78503,"confidence":0.99121094,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":-0.03617540001869202},{"word":"unless","start":746.78503,"end":747.28503,"confidence":0.99121094,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":-0.056922607123851776},{"word":"you","start":749.025,"end":749.10504,"confidence":0.984375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04604455083608627},{"word":"unless","start":749.10504,"end":749.60504,"confidence":0.9243164,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":-0.04893508553504944},{"word":"you","start":749.66504,"end":749.905,"confidence":0.9863281,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0084611214697361},{"word":"know","start":749.905,"end":750.30505,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.007563680410385132},{"word":"of","start":750.30505,"end":750.465,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.013814687728881836},{"word":"any","start":750.465,"end":750.78503,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.017470769584178925},{"word":"insurers","start":750.78503,"end":751.28503,"confidence":0.86865234,"punctuated_word":"insurers","sentiment":"neutral","sentiment_score":-0.014392759650945663},{"word":"that","start":751.66504,"end":751.905,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0053891874849796295},{"word":"could","start":751.905,"end":752.22504,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.021021857857704163},{"word":"be","start":752.22504,"end":752.705,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.024052977561950684},{"word":"explored","start":752.705,"end":753.205,"confidence":0.9980469,"punctuated_word":"explored","sentiment":"neutral","sentiment_score":0.041203077882528305},{"word":"yeah","start":757.63,"end":758.13,"confidence":0.9145508,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02460046112537384},{"word":"yeah","start":776.885,"end":777.385,"confidence":0.7805176,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.286308228969574},{"word":"okay","start":785.38995,"end":785.88995,"confidence":0.80322266,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.030818304046988487},{"word":"not","start":788.58997,"end":788.91,"confidence":0.98535156,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.11679737269878387},{"word":"in","start":788.91,"end":789.23,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1149781569838524},{"word":"australia","start":789.23,"end":789.73,"confidence":0.92089844,"punctuated_word":"Australia.","sentiment":"neutral","sentiment_score":-0.12319519370794296},{"word":"no","start":789.87,"end":790.18994,"confidence":0.9909668,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.12606269121170044},{"word":"but","start":790.18994,"end":790.68994,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.11290224641561508},{"word":"definitely","start":791.06995,"end":791.47,"confidence":0.6557617,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":-0.058310866355896},{"word":"in","start":791.47,"end":791.70996,"confidence":0.9760742,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.09284412115812302},{"word":"south","start":791.70996,"end":791.94995,"confidence":1.0,"punctuated_word":"South","sentiment":"neutral","sentiment_score":-0.1060437262058258},{"word":"africa","start":791.94995,"end":792.44995,"confidence":0.99853516,"punctuated_word":"Africa.","sentiment":"neutral","sentiment_score":-0.08455028384923935},{"word":"look","start":794.195,"end":794.355,"confidence":0.7463379,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":0.04174076020717621},{"word":"i","start":794.355,"end":794.515,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0991077870130539},{"word":"think","start":794.515,"end":794.755,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.08923384547233582},{"word":"let's","start":794.755,"end":794.995,"confidence":0.9128418,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.12057942152023315},{"word":"do","start":794.995,"end":795.15497,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12052558362483978},{"word":"the","start":795.15497,"end":795.395,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12324374914169312},{"word":"following","start":795.395,"end":795.71497,"confidence":0.9577637,"punctuated_word":"following.","sentiment":"neutral","sentiment_score":0.1267736852169037},{"word":"if","start":795.71497,"end":795.955,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.16104137897491455},{"word":"you","start":795.955,"end":796.035,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1481405347585678},{"word":"can","start":796.035,"end":796.535,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13263817131519318},{"word":"explore","start":796.595,"end":797.095,"confidence":1.0,"punctuated_word":"explore","sentiment":"neutral","sentiment_score":0.14556936919689178},{"word":"other","start":797.235,"end":797.555,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.09669069945812224},{"word":"options","start":797.555,"end":798.055,"confidence":0.7866211,"punctuated_word":"options,","sentiment":"neutral","sentiment_score":0.11509309709072112},{"word":"and","start":798.115,"end":798.27496,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1281929761171341},{"word":"then","start":798.27496,"end":798.435,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.13865722715854645},{"word":"maybe","start":798.435,"end":798.755,"confidence":0.9838867,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.1296088546514511},{"word":"in","start":798.755,"end":798.995,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13301193714141846},{"word":"about","start":798.995,"end":799.315,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.13321547210216522},{"word":"four","start":799.315,"end":799.555,"confidence":0.99902344,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.13568319380283356},{"word":"weeks","start":799.555,"end":799.955,"confidence":0.84936523,"punctuated_word":"weeks,","sentiment":"neutral","sentiment_score":0.12418771535158156},{"word":"if","start":799.955,"end":800.115,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16279560327529907},{"word":"we","start":800.115,"end":800.27496,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1396210491657257},{"word":"can","start":800.27496,"end":800.595,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13560763001441956},{"word":"have","start":800.595,"end":800.755,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13510015606880188},{"word":"a","start":800.755,"end":800.995,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10473757982254028},{"word":"follow-up","start":800.995,"end":801.475,"confidence":1.0,"punctuated_word":"follow-up","sentiment":"neutral","sentiment_score":0.07971860468387604},{"word":"phone","start":801.475,"end":801.795,"confidence":1.0,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.057344358414411545},{"word":"call","start":801.795,"end":802.295,"confidence":0.8088379,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.08012574166059494},{"word":"in","start":803.955,"end":804.195,"confidence":0.69873047,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.09174570441246031},{"word":"four","start":804.195,"end":804.355,"confidence":0.8286133,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.07935332506895065},{"word":"but","start":804.435,"end":804.675,"confidence":0.90625,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06977023184299469},{"word":"in","start":804.675,"end":804.915,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.102829210460186},{"word":"four","start":804.915,"end":805.15497,"confidence":0.99902344,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.09831209480762482},{"word":"weeks","start":805.15497,"end":805.475,"confidence":0.984375,"punctuated_word":"weeks,","sentiment":"neutral","sentiment_score":0.0764775201678276},{"word":"i'm","start":805.475,"end":805.71497,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.08046745508909225},{"word":"gonna","start":805.71497,"end":805.955,"confidence":0.98291016,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.10695023834705351},{"word":"be","start":805.955,"end":806.115,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1084545999765396},{"word":"in","start":806.115,"end":806.27496,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09177692234516144},{"word":"south","start":806.27496,"end":806.595,"confidence":1.0,"punctuated_word":"South","sentiment":"neutral","sentiment_score":0.06962382793426514},{"word":"africa","start":806.595,"end":807.095,"confidence":0.9904785,"punctuated_word":"Africa.","sentiment":"neutral","sentiment_score":0.09414924681186676},{"word":"so","start":807.49,"end":807.65,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09198504686355592},{"word":"let","start":807.65,"end":807.81,"confidence":0.9980469,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.09214313328266144},{"word":"me","start":807.81,"end":808.05,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.12395335733890532},{"word":"just","start":808.05,"end":808.53,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10956349968910216},{"word":"open","start":808.53,"end":808.85004,"confidence":0.9970703,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.09958335757255554},{"word":"up","start":808.85004,"end":809.01,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.10692738741636276},{"word":"my","start":809.01,"end":809.33,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.1179405152797699},{"word":"calendar","start":809.33,"end":809.83,"confidence":0.99853516,"punctuated_word":"calendar.","sentiment":"neutral","sentiment_score":0.07913993299007416},{"word":"let","start":813.09,"end":813.33,"confidence":0.78808594,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.06717034429311752},{"word":"me","start":813.33,"end":813.49,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06259003281593323},{"word":"just","start":813.49,"end":813.89,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05575277656316757},{"word":"see","start":813.89,"end":814.39,"confidence":0.9855957,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.06453339755535126},{"word":"so","start":818.37,"end":818.61005,"confidence":0.9770508,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05907769873738289},{"word":"four","start":818.61005,"end":818.85004,"confidence":0.9951172,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.05964398384094238},{"word":"weeks","start":818.85004,"end":819.17004,"confidence":0.9980469,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.05472654849290848},{"word":"is","start":819.17004,"end":819.33,"confidence":0.98828125,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06433534622192383},{"word":"gonna","start":819.33,"end":819.73004,"confidence":0.9951172,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.07119767367839813},{"word":"take","start":819.73004,"end":819.89,"confidence":0.99121094,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.08555217832326889},{"word":"us","start":819.89,"end":820.21,"confidence":0.9980469,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.07336932420730591},{"word":"to","start":820.21,"end":820.45,"confidence":0.96777344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08848860114812851},{"word":"the","start":820.45,"end":820.77,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08090831339359283},{"word":"october","start":820.77,"end":821.7375,"confidence":0.9913737,"punctuated_word":"October","sentiment":"neutral","sentiment_score":0.07702906429767609},{"word":"12","start":821.7375,"end":822.70496,"confidence":0.9913737,"punctuated_word":"12.","sentiment":"neutral","sentiment_score":0.11128057539463045},{"word":"i'm","start":823.08496,"end":823.325,"confidence":0.9951172,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.06888314336538315},{"word":"actually","start":823.325,"end":823.825,"confidence":0.9921875,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.07548775523900986},{"word":"back","start":824.045,"end":824.445,"confidence":0.9362793,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":0.0749356672167778},{"word":"i'm","start":824.445,"end":824.685,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.055030833929777145},{"word":"flying","start":824.685,"end":825.08496,"confidence":1.0,"punctuated_word":"flying","sentiment":"neutral","sentiment_score":0.08879709988832474},{"word":"back","start":825.08496,"end":825.325,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.10750210285186768},{"word":"on","start":825.325,"end":825.565,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07231567800045013},{"word":"the","start":825.565,"end":825.725,"confidence":0.6230469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06679227948188782},{"word":"sunday","start":825.725,"end":826.125,"confidence":0.984375,"punctuated_word":"Sunday,","sentiment":"neutral","sentiment_score":0.06161905825138092},{"word":"but","start":826.125,"end":826.285,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.006120786070823669},{"word":"i'm","start":826.285,"end":826.445,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.06472880393266678},{"word":"probably","start":826.445,"end":826.845,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.08996596932411194},{"word":"gonna","start":826.845,"end":827.08496,"confidence":0.9741211,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.06058907136321068},{"word":"be","start":827.08496,"end":827.245,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.062329281121492386},{"word":"very","start":827.245,"end":827.64496,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.08456356078386307},{"word":"jet","start":827.64496,"end":828.045,"confidence":0.99609375,"punctuated_word":"jet","sentiment":"neutral","sentiment_score":-0.03127789497375488},{"word":"lagged","start":828.045,"end":828.545,"confidence":0.96207684,"punctuated_word":"lagged.","sentiment":"neutral","sentiment_score":-0.013865994289517404},{"word":"then","start":830.685,"end":830.925,"confidence":0.89453125,"punctuated_word":"Then","sentiment":"neutral","sentiment_score":0.03238752856850624},{"word":"well","start":832.445,"end":832.945,"confidence":0.9807129,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.04611797630786896},{"word":"how","start":833.165,"end":833.485,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.04333607107400894},{"word":"about","start":833.485,"end":833.985,"confidence":0.99609375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03079245239496231},{"word":"the","start":834.99,"end":835.49,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04542545601725578},{"word":"wednesday","start":836.19,"end":836.69,"confidence":0.8833008,"punctuated_word":"Wednesday,","sentiment":"neutral","sentiment_score":0.04364596679806709},{"word":"october","start":836.99,"end":837.76,"confidence":0.99334717,"punctuated_word":"October","sentiment":"neutral","sentiment_score":0.04103326424956322},{"word":"14","start":837.76,"end":838.53,"confidence":0.99334717,"punctuated_word":"14?","sentiment":"neutral","sentiment_score":0.04380467906594277},{"word":"yep","start":841.55,"end":841.95,"confidence":0.99902344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04518657177686691},{"word":"what","start":841.95,"end":842.27,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.01653319224715233},{"word":"time","start":842.27,"end":842.77,"confidence":0.9980469,"punctuated_word":"time?","sentiment":"neutral","sentiment_score":0.01977657526731491},{"word":"so","start":850.33496,"end":850.83496,"confidence":0.4555664,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03863425552845001},{"word":"shall","start":851.21497,"end":851.45496,"confidence":0.9199219,"punctuated_word":"shall","sentiment":"neutral","sentiment_score":0.03437638282775879},{"word":"we","start":851.45496,"end":851.855,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.029489051550626755},{"word":"say","start":851.855,"end":852.355,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.038981929421424866},{"word":"08:30","start":852.89496,"end":853.77496,"confidence":0.97631836,"punctuated_word":"08:30","sentiment":"neutral","sentiment_score":0.048815421760082245},{"word":"then","start":853.77496,"end":854.27496,"confidence":0.9875488,"punctuated_word":"then?","sentiment":"neutral","sentiment_score":0.06081647425889969},{"word":"okay","start":856.89496,"end":857.21497,"confidence":0.9975586,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1165962666273117},{"word":"let","start":857.21497,"end":857.375,"confidence":0.99902344,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.09739140421152116},{"word":"me","start":857.375,"end":857.615,"confidence":0.9970703,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.10394731909036636},{"word":"just","start":857.615,"end":857.77496,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09873676300048828},{"word":"see","start":857.77496,"end":858.27496,"confidence":0.8833008,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.07940731942653656},{"word":"that's","start":858.57495,"end":859.07495,"confidence":0.8010254,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.04695209115743637},{"word":"08:30","start":859.295,"end":860.435,"confidence":0.9970703,"punctuated_word":"08:30.","sentiment":"neutral","sentiment_score":0.05326216667890549},{"word":"so","start":864.51996,"end":865.01996,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03328762948513031},{"word":"wednesday","start":865.16,"end":865.66,"confidence":0.9604492,"punctuated_word":"Wednesday,","sentiment":"neutral","sentiment_score":0.033647604286670685},{"word":"october","start":865.95996,"end":866.56995,"confidence":0.9703776,"punctuated_word":"October","sentiment":"neutral","sentiment_score":0.03655732050538063},{"word":"14","start":866.56995,"end":867.17993,"confidence":0.9703776,"punctuated_word":"14.","sentiment":"neutral","sentiment_score":0.05720144882798195},{"word":"let","start":868.36,"end":868.6,"confidence":0.9316406,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":-0.0239323191344738},{"word":"me","start":868.6,"end":868.83997,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.014805596321821213},{"word":"just","start":868.83997,"end":869.33997,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.02642381563782692},{"word":"but","start":870.83997,"end":871.0,"confidence":0.23730469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.05892825499176979},{"word":"for","start":871.0,"end":871.24,"confidence":0.9526367,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1272115558385849},{"word":"some","start":871.24,"end":871.39996,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.11771199107170104},{"word":"reason","start":871.39996,"end":871.72,"confidence":0.93969727,"punctuated_word":"reason,","sentiment":"neutral","sentiment_score":-0.14957648515701294},{"word":"it's","start":871.72,"end":871.87994,"confidence":0.9970703,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.17785261571407318},{"word":"not","start":871.87994,"end":872.36,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.17567044496536255},{"word":"saving","start":872.36,"end":872.86,"confidence":0.8991699,"punctuated_word":"saving.","sentiment":"neutral","sentiment_score":-0.2192539274692535},{"word":"yep","start":878.44,"end":878.94,"confidence":0.74658203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1280001699924469},{"word":"i","start":879.335,"end":879.575,"confidence":0.98535156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2625277638435364},{"word":"think","start":879.575,"end":880.055,"confidence":0.9980469,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.2470412850379944},{"word":"i","start":880.055,"end":880.135,"confidence":0.9921875,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.38800162076950073},{"word":"think","start":880.135,"end":880.375,"confidence":1.0,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.4034419059753418},{"word":"that's","start":880.375,"end":880.695,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.44910526275634766},{"word":"gonna","start":880.695,"end":881.015,"confidence":0.98535156,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.45368146896362305},{"word":"probably","start":881.015,"end":881.515,"confidence":0.9667969,"punctuated_word":"probably","sentiment":"positive","sentiment_score":0.4952854514122009},{"word":"be","start":881.735,"end":882.055,"confidence":0.9980469,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3628734350204468},{"word":"the","start":882.055,"end":882.29504,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.293590784072876},{"word":"best","start":882.29504,"end":882.79504,"confidence":0.8342285,"punctuated_word":"best,","sentiment":"positive","sentiment_score":0.3572298288345337},{"word":"but","start":884.695,"end":884.935,"confidence":0.92822266,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.15314489603042605},{"word":"i","start":884.935,"end":885.015,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22512207925319672},{"word":"am","start":885.015,"end":885.335,"confidence":0.99902344,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.19552266597747803},{"word":"saving","start":885.335,"end":885.815,"confidence":1.0,"punctuated_word":"saving","sentiment":"neutral","sentiment_score":0.16331565380096436},{"word":"it","start":885.815,"end":885.97504,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.192154198884964},{"word":"on","start":885.97504,"end":886.215,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1387828290462494},{"word":"my","start":886.215,"end":886.53503,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.12386219948530196},{"word":"phone","start":886.53503,"end":887.015,"confidence":0.97753906,"punctuated_word":"phone.","sentiment":"neutral","sentiment_score":0.15751472115516665},{"word":"so","start":887.015,"end":887.335,"confidence":0.9892578,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11672823131084442},{"word":"october","start":887.335,"end":887.895,"confidence":0.9958496,"punctuated_word":"October","sentiment":"neutral","sentiment_score":0.11617599427700044},{"word":"14","start":887.895,"end":888.455,"confidence":0.9958496,"punctuated_word":"14","sentiment":"neutral","sentiment_score":0.11972880363464355},{"word":"at","start":888.455,"end":888.695,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07273143529891968},{"word":"08:30","start":888.695,"end":889.255,"confidence":0.95288086,"punctuated_word":"08:30.","sentiment":"neutral","sentiment_score":0.11749538779258728},{"word":"so","start":889.255,"end":889.41504,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14459183812141418},{"word":"i've","start":889.41504,"end":889.575,"confidence":0.9921875,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.20511560142040253},{"word":"now","start":889.575,"end":889.815,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.2264625579118729},{"word":"saved","start":889.815,"end":890.135,"confidence":0.99902344,"punctuated_word":"saved","sentiment":"neutral","sentiment_score":0.18850132822990415},{"word":"it","start":890.135,"end":890.29504,"confidence":0.8540039,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.20083551108837128},{"word":"but","start":890.29504,"end":890.53503,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.14610382914543152},{"word":"please","start":890.53503,"end":890.775,"confidence":0.99902344,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.13893035054206848},{"word":"send","start":890.775,"end":891.015,"confidence":0.9970703,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.12365414947271348},{"word":"me","start":891.015,"end":891.175,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.15779909491539},{"word":"an","start":891.175,"end":891.335,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.09362921118736268},{"word":"email","start":891.335,"end":891.815,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.11395775526762009},{"word":"as","start":891.815,"end":891.97504,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14840304851531982},{"word":"well","start":891.97504,"end":892.44,"confidence":0.9980469,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.16730985045433044},{"word":"excellent","start":903.4,"end":903.9,"confidence":0.7578125,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.8675683736801147},{"word":"right","start":908.733,"end":909.13293,"confidence":0.74572754,"punctuated_word":"Right.","sentiment":"positive","sentiment_score":0.468511164188385},{"word":"thank","start":909.13293,"end":909.3729,"confidence":0.98535156,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8252061009407043},{"word":"you","start":909.3729,"end":909.6129,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8403171896934509},{"word":"so","start":909.6129,"end":909.69293,"confidence":0.9980469,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8128526210784912},{"word":"much","start":909.69293,"end":909.9329,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.8572643995285034},{"word":"for","start":909.9329,"end":910.173,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8473751544952393},{"word":"your","start":910.173,"end":910.33295,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8298639059066772},{"word":"help","start":910.33295,"end":910.83295,"confidence":0.99902344,"punctuated_word":"help.","sentiment":"positive","sentiment_score":0.8289980888366699},{"word":"thanks","start":912.41296,"end":912.91296,"confidence":0.9914551,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.6002767086029053},{"word":"okay","start":913.13293,"end":913.53296,"confidence":0.9472656,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2466442883014679},{"word":"bye","start":913.53296,"end":913.77295,"confidence":0.9980469,"punctuated_word":"Bye","sentiment":"neutral","sentiment_score":0.19464151561260223},{"word":"bye","start":913.77295,"end":914.27295,"confidence":0.99658203,"punctuated_word":"bye.","sentiment":"neutral","sentiment_score":-0.1193554475903511}],"paragraphs":{"transcript":"\nHello. Peter speaking. Hi. Yes. Good.\n\nThanks. Yourself? Well, that's exactly how my day go is going. I describe it as to Nobles. I've actually moved appointments appointments around, and I've still got patients booked in.\n\nI was gonna finish, but somebody has booked in appointments for me now. I've got somebody at quarter to five, and I'm only gonna finish probably at seven. Yes. Yeah. Full name, Peter Johannes Herta.\n\nDate of birth, 01/18/1977, and the address is 11 Morehouse Street, Richmond, Victoria 3121. Yes. Yeah. Yeah. Yes.\n\nYeah. And that's probably because I've previously been treated for tuberculosis. Mhmm. Yes. Okay.\n\nYeah. Yep. Yes. Yes. And and I was actually expecting that because I often do medicals for insurance.\n\nYes. Yes. No. I mean, especially the past tuberculosis, then that is a concern. Yeah.\n\nOkay. Yeah. Mhmm. Okay. Mhmm.\n\nYes. Mhmm. I'm sorry. But that and then that is per is that annual? Yeah.\n\nYeah. So what was the number again? 11? 1175 per annum. Okay.\n\nYep. Mhmm. No. Mhmm. Yes.\n\nMhmm. Yes. Mhmm. Yep. Yep.\n\nYes. So what are the options in that case? Yes. Mhmm. Yes.\n\nMhmm. Yes. Yep. Mhmm. Mhmm.\n\nYeah. Look. I mean, I think, you know, paying $330 a year, even even though it's only 72,000 life cover? And then how much is it per because I think it's for two years, a thousand dollars a month for two years. Yeah.\n\nYep. Yep. That makes sense. Exactly. Yes.\n\nYep. Yep. Yep. No. That makes sense.\n\nMhmm. Yeah. Yep. And and, I mean, the the concern is I know that if if an insurer one insurer has declined, then it's gonna be harder for another insurer to get in get it across the line with another insurer. Yep.\n\nYep. Yep. So, I mean, what I what I will do is I'll have a bit of a think about that. I'm gonna speak to a colleague of mine. I mean, I've got a psychiatrist colleague.\n\nWe studied together in South Africa. She's also in Australia. She had renal cancer, And she was actually in the last six months, she was able to get to get TPD cover. So, I mean, I can you know, when I next see her, just sort of explore how she went about that and which insurer that was. I mean, after renal cancer, getting getting TPD insurances, obviously, you know, that's a miracle.\n\nI I don't remember when, but I know that she was able because I spoke to her about three, four weeks ago, and, yeah, she was able to to get insured. Yeah. Yep. Yeah. So let me have a bit of a chat to her and have a bit of a think about the options.\n\nExcellent. I mean, do you know of any insurers where you've had good outcomes with? Yeah. Yep. Mhmm.\n\nYep. Yep. Okay. So I'll I'll explore that. I mean, I'm not gonna see her again.\n\nI mean, we've got a meeting together probably in the next three weeks. So I will speak to her and let you know. Yep. I mean, unless unless you unless you know of any insurers that could be explored Yeah. Yeah.\n\nOkay. Not in Australia. No. But definitely in South Africa. Look.\n\nI think let's do the following. If you can explore other options, and then maybe in about four weeks, if we can have a follow-up phone call. In four but in four weeks, I'm gonna be in South Africa. So let me just open up my calendar. Let me just see.\n\nSo four weeks is gonna take us to the October 12. I'm actually back. I'm flying back on the Sunday, but I'm probably gonna be very jet lagged. Then well, how about the Wednesday, October 14? Yep.\n\nWhat time? So shall we say 08:30 then? Okay. Let me just see. That's 08:30.\n\nSo Wednesday, October 14. Let me just but for some reason, it's not saving. Yep. I think I think that's gonna probably be the best, but I am saving it on my phone. So October 14 at 08:30.\n\nSo I've now saved it, but please send me an email as well. Excellent. Right. Thank you so much for your help. Thanks.\n\nOkay. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.76,"end":2.24,"sentiment":"neutral","sentiment_score":0.011920083314180374},{"text":"Peter speaking.","start":2.24,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.013368900865316391},{"text":"Hi.","start":4.4,"end":4.9,"sentiment":"neutral","sentiment_score":0.1330457627773285},{"text":"Yes.","start":7.52,"end":7.9199996,"sentiment":"positive","sentiment_score":0.3401070237159729},{"text":"Good.","start":7.9199996,"end":8.16,"sentiment":"positive","sentiment_score":0.5839098691940308}],"sentiment":"neutral","sentiment_score":0.1826200901220242,"num_words":6,"start":1.76,"end":8.16},{"sentences":[{"text":"Thanks.","start":8.16,"end":8.559999,"sentiment":"positive","sentiment_score":0.5962491035461426},{"text":"Yourself?","start":8.559999,"end":9.059999,"sentiment":"positive","sentiment_score":0.3435588777065277},{"text":"Well, that's exactly how my day go is going.","start":16.965,"end":21.205,"sentiment":"positive","sentiment_score":0.45010628634028965},{"text":"I describe it as to Nobles.","start":21.205,"end":23.225,"sentiment":"neutral","sentiment_score":0.09447689851125081},{"text":"I've actually moved appointments appointments around, and I've still got patients booked in.","start":24.485,"end":30.130001,"sentiment":"neutral","sentiment_score":0.02555384809294572}],"sentiment":"neutral","sentiment_score":0.19632753248636922,"num_words":30,"start":8.16,"end":30.130001},{"sentences":[{"text":"I was gonna finish, but somebody has booked in appointments for me now.","start":30.35,"end":36.29,"sentiment":"neutral","sentiment_score":-0.05297064838501123},{"text":"I've got somebody at quarter to five, and I'm only gonna finish probably at seven.","start":36.91,"end":41.489998,"sentiment":"neutral","sentiment_score":-0.0416672187546889},{"text":"Yes.","start":49.864998,"end":50.364998,"sentiment":"neutral","sentiment_score":0.04401382803916931},{"text":"Yeah.","start":59.54,"end":59.94,"sentiment":"neutral","sentiment_score":0.024006731808185577},{"text":"Full name, Peter Johannes Herta.","start":59.94,"end":62.12,"sentiment":"neutral","sentiment_score":0.025022296980023385}],"sentiment":"neutral","sentiment_score":-0.03201413330222879,"num_words":35,"start":30.35,"end":62.12},{"sentences":[{"text":"Date of birth, 01/18/1977, and the address is 11 Morehouse Street, Richmond, Victoria 3121.","start":62.58,"end":73.125,"sentiment":"neutral","sentiment_score":0.03037320968828031},{"text":"Yes.","start":82.145004,"end":82.645004,"sentiment":"neutral","sentiment_score":-0.0006742365658283234},{"text":"Yeah.","start":86.020004,"end":86.520004,"sentiment":"neutral","sentiment_score":-0.018718739971518517},{"text":"Yeah.","start":89.94,"end":90.44,"sentiment":"neutral","sentiment_score":-0.049514736980199814},{"text":"Yes.","start":106.265,"end":106.765,"sentiment":"neutral","sentiment_score":-0.05386463552713394}],"sentiment":"neutral","sentiment_score":0.01680292147729132,"num_words":18,"start":62.58,"end":106.765},{"sentences":[{"text":"Yeah.","start":109.48,"end":109.88,"sentiment":"neutral","sentiment_score":-0.06667420268058777},{"text":"And that's probably because I've previously been treated for tuberculosis.","start":109.88,"end":114.06,"sentiment":"neutral","sentiment_score":-0.10769481733441352},{"text":"Mhmm.","start":124.795,"end":125.295,"sentiment":"neutral","sentiment_score":-0.027094177901744843},{"text":"Yes.","start":137.84999,"end":138.34999,"sentiment":"neutral","sentiment_score":-0.025389494374394417},{"text":"Okay.","start":138.81,"end":139.31,"sentiment":"neutral","sentiment_score":-0.024542877450585365}],"sentiment":"neutral","sentiment_score":-0.08718920898224626,"num_words":14,"start":109.48,"end":139.31},{"sentences":[{"text":"Yeah.","start":143.93,"end":144.43,"sentiment":"neutral","sentiment_score":0.00890868529677391},{"text":"Yep.","start":145.76999,"end":146.26999,"sentiment":"neutral","sentiment_score":-0.02960721217095852},{"text":"Yes.","start":149.29,"end":149.79,"sentiment":"neutral","sentiment_score":-0.10892949253320694},{"text":"Yes.","start":156.00499,"end":156.50499,"sentiment":"neutral","sentiment_score":-0.14220136404037476},{"text":"And and I was actually expecting that because I often do medicals for insurance.","start":156.72499,"end":162.105,"sentiment":"neutral","sentiment_score":-0.12857397911804064}],"sentiment":"neutral","sentiment_score":-0.11510361617224084,"num_words":18,"start":143.93,"end":162.105},{"sentences":[{"text":"Yes.","start":169.92,"end":170.42,"sentiment":"neutral","sentiment_score":0.03565698117017746},{"text":"Yes.","start":170.48,"end":170.98,"sentiment":"neutral","sentiment_score":0.004819363355636597},{"text":"No.","start":171.2,"end":171.51999,"sentiment":"neutral","sentiment_score":-0.1756455898284912},{"text":"I mean, especially the past tuberculosis, then that is a concern.","start":171.51999,"end":176.65999,"sentiment":"neutral","sentiment_score":-0.19674125584689053},{"text":"Yeah.","start":191.01001,"end":191.51001,"sentiment":"neutral","sentiment_score":0.010848313570022585}],"sentiment":"neutral","sentiment_score":-0.1525649830698967,"num_words":15,"start":169.92,"end":191.51001},{"sentences":[{"text":"Okay.","start":203.09,"end":203.59,"sentiment":"neutral","sentiment_score":-0.08586925268173218},{"text":"Yeah.","start":203.73001,"end":204.23001,"sentiment":"neutral","sentiment_score":-0.06509165465831757},{"text":"Mhmm.","start":213.295,"end":213.77501,"sentiment":"neutral","sentiment_score":0.0001882687211036682},{"text":"Okay.","start":213.77501,"end":214.27501,"sentiment":"neutral","sentiment_score":0.009836887940764427},{"text":"Mhmm.","start":228.54,"end":229.04,"sentiment":"neutral","sentiment_score":-0.015459306538105013}],"sentiment":"neutral","sentiment_score":-0.03127901144325733,"num_words":5,"start":203.09,"end":229.04},{"sentences":[{"text":"Yes.","start":229.81999,"end":230.295,"sentiment":"neutral","sentiment_score":0.03170877695083618},{"text":"Mhmm.","start":239.255,"end":239.755,"sentiment":"neutral","sentiment_score":0.06978264451026917},{"text":"I'm sorry.","start":260.815,"end":261.45502,"sentiment":"neutral","sentiment_score":-0.06639916077256203},{"text":"But that and then that is per is that annual?","start":261.45502,"end":264.11502,"sentiment":"neutral","sentiment_score":-0.05997939370572567},{"text":"Yeah.","start":266.17502,"end":266.67502,"sentiment":"neutral","sentiment_score":0.018816053867340088}],"sentiment":"neutral","sentiment_score":-0.04081898555159569,"num_words":15,"start":229.81999,"end":266.67502},{"sentences":[{"text":"Yeah.","start":266.73502,"end":267.05502,"sentiment":"neutral","sentiment_score":0.016166167333722115},{"text":"So what was the number again?","start":267.05502,"end":268.575,"sentiment":"neutral","sentiment_score":0.007505566813051701},{"text":"11?","start":268.575,"end":269.39502,"sentiment":"neutral","sentiment_score":0.0032881880179047585},{"text":"1175 per annum.","start":271.47,"end":273.65,"sentiment":"neutral","sentiment_score":0.012581306509673595},{"text":"Okay.","start":273.71,"end":274.11,"sentiment":"neutral","sentiment_score":0.06219480186700821}],"sentiment":"neutral","sentiment_score":0.013702206468830505,"num_words":12,"start":266.73502,"end":274.11},{"sentences":[{"text":"Yep.","start":274.11,"end":274.61,"sentiment":"neutral","sentiment_score":0.09228106588125227},{"text":"Mhmm.","start":281.38998,"end":281.88998,"sentiment":"neutral","sentiment_score":0.1038786768913269},{"text":"No.","start":288.115,"end":288.615,"sentiment":"neutral","sentiment_score":-0.02374893799424171},{"text":"Mhmm.","start":292.435,"end":292.935,"sentiment":"neutral","sentiment_score":0.014078539796173573},{"text":"Yes.","start":296.275,"end":296.775,"sentiment":"neutral","sentiment_score":0.1908334642648697}],"sentiment":"neutral","sentiment_score":0.07546456176787615,"num_words":5,"start":274.11,"end":296.775},{"sentences":[{"text":"Mhmm.","start":304.63,"end":305.13,"sentiment":"neutral","sentiment_score":0.18765392899513245},{"text":"Yes.","start":308.47,"end":308.97,"sentiment":"neutral","sentiment_score":0.3021236062049866},{"text":"Mhmm.","start":320.435,"end":320.935,"sentiment":"neutral","sentiment_score":0.12417140603065492},{"text":"Yep.","start":321.39,"end":321.89,"sentiment":"neutral","sentiment_score":0.0986032709479332},{"text":"Yep.","start":327.71252,"end":328.21252,"sentiment":"neutral","sentiment_score":0.16145476698875427}],"sentiment":"neutral","sentiment_score":0.17480139583349227,"num_words":5,"start":304.63,"end":328.21252},{"sentences":[{"text":"Yes.","start":341.075,"end":341.575,"sentiment":"neutral","sentiment_score":0.10000919550657272},{"text":"So what are the options in that case?","start":342.035,"end":344.535,"sentiment":"neutral","sentiment_score":0.004449451575055718},{"text":"Yes.","start":366.98502,"end":367.48502,"sentiment":"neutral","sentiment_score":0.09810534864664078},{"text":"Mhmm.","start":372.505,"end":373.005,"sentiment":"neutral","sentiment_score":0.05320703610777855},{"text":"Yes.","start":380.71,"end":381.21,"sentiment":"neutral","sentiment_score":0.1869814693927765}],"sentiment":"neutral","sentiment_score":0.03949155518785119,"num_words":12,"start":341.075,"end":381.21},{"sentences":[{"text":"Mhmm.","start":396.975,"end":397.135,"sentiment":"neutral","sentiment_score":0.021624907851219177},{"text":"Yes.","start":397.135,"end":397.635,"sentiment":"neutral","sentiment_score":0.03760458901524544},{"text":"Yep.","start":402.91,"end":403.41,"sentiment":"neutral","sentiment_score":-0.054717808961868286},{"text":"Mhmm.","start":408.83002,"end":409.33002,"sentiment":"neutral","sentiment_score":0.009576845914125444},{"text":"Mhmm.","start":428.95,"end":429.45,"sentiment":"neutral","sentiment_score":-0.1750744730234146}],"sentiment":"neutral","sentiment_score":-0.03219718784093857,"num_words":5,"start":396.975,"end":429.45},{"sentences":[{"text":"Yeah.","start":431.43,"end":431.93,"sentiment":"neutral","sentiment_score":-0.10516849160194396},{"text":"Look.","start":432.15,"end":432.39,"sentiment":"neutral","sentiment_score":-0.07919393479824066},{"text":"I mean, I think, you know, paying $330 a year, even even though it's only 72,000 life cover?","start":432.39,"end":440.895,"sentiment":"neutral","sentiment_score":-0.07901371415290567},{"text":"And then how much is it per because I think it's for two years, a thousand dollars a month for two years.","start":440.895,"end":448.59497,"sentiment":"neutral","sentiment_score":-0.04521673697639595},{"text":"Yeah.","start":449.85498,"end":450.35498,"sentiment":"neutral","sentiment_score":0.00034295395016670227}],"sentiment":"neutral","sentiment_score":-0.060489175364721655,"num_words":43,"start":431.43,"end":450.35498},{"sentences":[{"text":"Yep.","start":456.27,"end":456.77,"sentiment":"neutral","sentiment_score":0.0678880512714386},{"text":"Yep.","start":457.39,"end":457.79,"sentiment":"neutral","sentiment_score":0.11625176668167114},{"text":"That makes sense.","start":457.79,"end":458.85,"sentiment":"neutral","sentiment_score":0.18058224270741144},{"text":"Exactly.","start":476.025,"end":476.525,"sentiment":"neutral","sentiment_score":0.0008972659707069397},{"text":"Yes.","start":476.825,"end":477.325,"sentiment":"neutral","sentiment_score":0.10325205326080322}],"sentiment":"neutral","sentiment_score":0.11857655218669347,"num_words":7,"start":456.27,"end":477.325},{"sentences":[{"text":"Yep.","start":488.61,"end":489.11,"sentiment":"neutral","sentiment_score":0.1821647137403488},{"text":"Yep.","start":497.265,"end":497.765,"sentiment":"neutral","sentiment_score":0.1965065896511078},{"text":"Yep.","start":506.58002,"end":506.98,"sentiment":"neutral","sentiment_score":0.032556746155023575},{"text":"No.","start":506.98,"end":507.22,"sentiment":"neutral","sentiment_score":-0.0724106878042221},{"text":"That makes sense.","start":507.22,"end":508.28,"sentiment":"neutral","sentiment_score":-0.0634947270154953}],"sentiment":"neutral","sentiment_score":0.02119045438511031,"num_words":7,"start":488.61,"end":508.28},{"sentences":[{"text":"Mhmm.","start":517.545,"end":518.045,"sentiment":"neutral","sentiment_score":0.00587698258459568},{"text":"Yeah.","start":524.6625,"end":525.1625,"sentiment":"neutral","sentiment_score":-0.03857522830367088},{"text":"Yep.","start":533.30005,"end":533.78,"sentiment":"neutral","sentiment_score":-0.019081223756074905},{"text":"And and, I mean, the the concern is I know that if if an insurer one insurer has declined, then it's gonna be harder for another insurer to get in get it across the line with another insurer.","start":533.78,"end":545.64,"sentiment":"negative","sentiment_score":-0.3388988297236593},{"text":"Yep.","start":574.195,"end":574.695,"sentiment":"neutral","sentiment_score":-0.014092667028307916}],"sentiment":"neutral","sentiment_score":-0.3081911349048217,"num_words":42,"start":517.545,"end":574.695},{"sentences":[{"text":"Yep.","start":579.875,"end":580.375,"sentiment":"neutral","sentiment_score":-0.0038638513069599863},{"text":"Yep.","start":583.955,"end":584.455,"sentiment":"neutral","sentiment_score":0.04466237872838974},{"text":"So, I mean, what I what I will do is I'll have a bit of a think about that.","start":584.755,"end":589.16,"sentiment":"neutral","sentiment_score":0.03949406233273054},{"text":"I'm gonna speak to a colleague of mine.","start":589.16,"end":591.16,"sentiment":"neutral","sentiment_score":0.03791109565645456},{"text":"I mean, I've got a psychiatrist colleague.","start":591.16,"end":593.66,"sentiment":"neutral","sentiment_score":0.04331799117582185}],"sentiment":"neutral","sentiment_score":0.03882501153404721,"num_words":36,"start":579.875,"end":593.66},{"sentences":[{"text":"We studied together in South Africa.","start":593.72,"end":595.82,"sentiment":"neutral","sentiment_score":0.030598980995515983},{"text":"She's also in Australia.","start":595.88,"end":597.1,"sentiment":"neutral","sentiment_score":0.002407689578831196},{"text":"She had renal cancer, And she was actually in the last six months, she was able to get to get TPD cover.","start":598.04,"end":608.885,"sentiment":"neutral","sentiment_score":0.024933715096928856},{"text":"So, I mean, I can you know, when I next see her, just sort of explore how she went about that and which insurer that was.","start":609.665,"end":617.2,"sentiment":"neutral","sentiment_score":0.010094247471827727},{"text":"I mean, after renal cancer, getting getting TPD insurances, obviously, you know, that's a miracle.","start":617.2,"end":623.86,"sentiment":"neutral","sentiment_score":0.05043460043768088}],"sentiment":"neutral","sentiment_score":0.024119668729501227,"num_words":73,"start":593.72,"end":623.86},{"sentences":[{"text":"I I don't remember when, but I know that she was able because I spoke to her about three, four weeks ago, and, yeah, she was able to to get insured.","start":630.53503,"end":642.715,"sentiment":"neutral","sentiment_score":0.1544801822352794},{"text":"Yeah.","start":649.72003,"end":650.22003,"sentiment":"neutral","sentiment_score":0.15719693899154663},{"text":"Yep.","start":652.44,"end":652.94,"sentiment":"neutral","sentiment_score":0.2275707721710205},{"text":"Yeah.","start":653.48004,"end":653.88,"sentiment":"neutral","sentiment_score":0.11436472833156586},{"text":"So let me have a bit of a chat to her and have a bit of a think about the options.","start":653.88,"end":657.82,"sentiment":"neutral","sentiment_score":0.1248223948336783}],"sentiment":"neutral","sentiment_score":0.1438052432780916,"num_words":55,"start":630.53503,"end":657.82},{"sentences":[{"text":"Excellent.","start":665.525,"end":666.005,"sentiment":"positive","sentiment_score":0.7115063667297363},{"text":"I mean, do you know of any insurers where you've had good outcomes with?","start":666.005,"end":670.71,"sentiment":"neutral","sentiment_score":0.33180982619524},{"text":"Yeah.","start":680.07,"end":680.57,"sentiment":"neutral","sentiment_score":-0.15490873157978058},{"text":"Yep.","start":695.21497,"end":695.71497,"sentiment":"neutral","sentiment_score":-0.02919822931289673},{"text":"Mhmm.","start":696.0,"end":696.5,"sentiment":"neutral","sentiment_score":-0.04572276771068573}],"sentiment":"neutral","sentiment_score":0.2848341224922074,"num_words":18,"start":665.525,"end":696.5},{"sentences":[{"text":"Yep.","start":710.48,"end":710.8,"sentiment":"neutral","sentiment_score":-0.002144451020285487},{"text":"Yep.","start":710.8,"end":711.3,"sentiment":"neutral","sentiment_score":0.006762220524251461},{"text":"Okay.","start":711.89496,"end":712.21497,"sentiment":"neutral","sentiment_score":0.01574087142944336},{"text":"So I'll I'll explore that.","start":712.21497,"end":714.535,"sentiment":"neutral","sentiment_score":0.009632978588342667},{"text":"I mean, I'm not gonna see her again.","start":714.535,"end":715.975,"sentiment":"neutral","sentiment_score":-0.1231386256404221}],"sentiment":"neutral","sentiment_score":-0.057286591953015886,"num_words":16,"start":710.48,"end":715.975},{"sentences":[{"text":"I mean, we've got a meeting together probably in the next three weeks.","start":715.975,"end":719.675,"sentiment":"neutral","sentiment_score":-0.04873322322964668},{"text":"So I will speak to her and let you know.","start":721.175,"end":724.05,"sentiment":"neutral","sentiment_score":0.0010760704055428505},{"text":"Yep.","start":732.37,"end":732.87,"sentiment":"neutral","sentiment_score":0.03159231320023537},{"text":"I mean, unless unless you unless you know of any insurers that could be explored Yeah.","start":745.905,"end":758.13,"sentiment":"neutral","sentiment_score":-0.010393375647254288},{"text":"Yeah.","start":776.885,"end":777.385,"sentiment":"neutral","sentiment_score":0.286308228969574}],"sentiment":"neutral","sentiment_score":-0.011491821124786285,"num_words":41,"start":715.975,"end":777.385},{"sentences":[{"text":"Okay.","start":785.38995,"end":785.88995,"sentiment":"neutral","sentiment_score":0.030818304046988487},{"text":"Not in Australia.","start":788.58997,"end":789.73,"sentiment":"neutral","sentiment_score":-0.11832357446352641},{"text":"No.","start":789.87,"end":790.18994,"sentiment":"neutral","sentiment_score":-0.12606269121170044},{"text":"But definitely in South Africa.","start":790.18994,"end":792.44995,"sentiment":"neutral","sentiment_score":-0.09093024879693985},{"text":"Look.","start":794.195,"end":794.355,"sentiment":"neutral","sentiment_score":0.04174076020717621}],"sentiment":"neutral","sentiment_score":-0.07846596312116492,"num_words":11,"start":785.38995,"end":794.355},{"sentences":[{"text":"I think let's do the following.","start":794.355,"end":795.71497,"sentiment":"neutral","sentiment_score":0.11324401199817657},{"text":"If you can explore other options, and then maybe in about four weeks, if we can have a follow-up phone call.","start":795.71497,"end":802.295,"sentiment":"neutral","sentiment_score":0.12460863572501},{"text":"In four but in four weeks, I'm gonna be in South Africa.","start":803.955,"end":807.095,"sentiment":"neutral","sentiment_score":0.08915919810533524},{"text":"So let me just open up my calendar.","start":807.49,"end":809.83,"sentiment":"neutral","sentiment_score":0.1026545288041234},{"text":"Let me just see.","start":813.09,"end":814.39,"sentiment":"neutral","sentiment_score":0.0625116378068924}],"sentiment":"neutral","sentiment_score":0.10661644276742842,"num_words":51,"start":794.355,"end":814.39},{"sentences":[{"text":"So four weeks is gonna take us to the October 12.","start":818.37,"end":822.70496,"sentiment":"neutral","sentiment_score":0.07505539161237804},{"text":"I'm actually back.","start":823.08496,"end":824.445,"sentiment":"neutral","sentiment_score":0.07310218860705693},{"text":"I'm flying back on the Sunday, but I'm probably gonna be very jet lagged.","start":824.445,"end":828.545,"sentiment":"neutral","sentiment_score":0.003632661620421069},{"text":"Then well, how about the Wednesday, October 14?","start":830.685,"end":838.53,"sentiment":"neutral","sentiment_score":0.040817924309521914},{"text":"Yep.","start":841.55,"end":841.95,"sentiment":"neutral","sentiment_score":0.04518657177686691}],"sentiment":"neutral","sentiment_score":0.0396622460134126,"num_words":37,"start":818.37,"end":841.95},{"sentences":[{"text":"What time?","start":841.95,"end":842.77,"sentiment":"neutral","sentiment_score":0.01815488375723362},{"text":"So shall we say 08:30 then?","start":850.33496,"end":854.27496,"sentiment":"neutral","sentiment_score":0.041852252557873726},{"text":"Okay.","start":856.89496,"end":857.21497,"sentiment":"neutral","sentiment_score":0.1165962666273117},{"text":"Let me just see.","start":857.21497,"end":858.27496,"sentiment":"neutral","sentiment_score":0.09487070143222809},{"text":"That's 08:30.","start":858.57495,"end":860.435,"sentiment":"neutral","sentiment_score":0.05010712891817093}],"sentiment":"neutral","sentiment_score":0.05891444087028504,"num_words":15,"start":841.95,"end":860.435},{"sentences":[{"text":"So Wednesday, October 14.","start":864.51996,"end":867.17993,"sentiment":"neutral","sentiment_score":0.040173500776290894},{"text":"Let me just but for some reason, it's not saving.","start":868.36,"end":872.86,"sentiment":"neutral","sentiment_score":-0.10913670063018799},{"text":"Yep.","start":878.44,"end":878.94,"sentiment":"neutral","sentiment_score":0.1280001699924469},{"text":"I think I think that's gonna probably be the best, but I am saving it on my phone.","start":879.335,"end":887.015,"sentiment":"neutral","sentiment_score":0.281233225017786},{"text":"So October 14 at 08:30.","start":887.015,"end":889.255,"sentiment":"neutral","sentiment_score":0.10857197046279907}],"sentiment":"neutral","sentiment_score":0.1263785544586809,"num_words":38,"start":864.51996,"end":889.255},{"sentences":[{"text":"So I've now saved it, but please send me an email as well.","start":889.255,"end":892.44,"sentiment":"neutral","sentiment_score":0.15809954817478472},{"text":"Excellent.","start":903.4,"end":903.9,"sentiment":"positive","sentiment_score":0.8675683736801147},{"text":"Right.","start":908.733,"end":909.13293,"sentiment":"positive","sentiment_score":0.468511164188385},{"text":"Thank you so much for your help.","start":909.13293,"end":910.83295,"sentiment":"positive","sentiment_score":0.8345539229256767},{"text":"Thanks.","start":912.41296,"end":912.91296,"sentiment":"positive","sentiment_score":0.6002767086029053}],"sentiment":"positive","sentiment_score":0.4275446884010149,"num_words":23,"start":889.255,"end":912.91296},{"sentences":[{"text":"Okay.","start":913.13293,"end":913.53296,"sentiment":"neutral","sentiment_score":0.2466442883014679},{"text":"Bye bye.","start":913.53296,"end":914.27295,"sentiment":"neutral","sentiment_score":0.037643034011125565}],"sentiment":"neutral","sentiment_score":0.10731011877457301,"num_words":3,"start":913.13293,"end":914.27295}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Peter speaking.\n\nChannel 0: Hi,\n\nChannel 1: Hi.\n\nChannel 0: Peter. Larissa from Ophi Financial. How are you going?\n\nChannel 1: Yes. Good. Thanks. Yourself?\n\nChannel 0: Not bad. It's been a day, but we're sitting down with a cold coffee that I think I made five hours ago and living\n\nChannel 1: Well,\n\nChannel 0: life.\n\nChannel 1: that's exactly how my day go is going. I describe it as to Nobles. I've actually moved appointments appointments around, and I've still got patients booked in. I was gonna finish, but somebody has booked in appointments for me now. I've got somebody at quarter to five, and I'm only gonna finish probably at seven.\n\nChannel 0: Oh, I'm with you there. Right with you there. I really am. Well, I will keep it short and sharp for you.\n\nChannel 1: Yes.\n\nChannel 0: I call before I jump into it, though, I do need to let you know our calls are recorded. And if I could get you to confirm security for me, it is full name, date of birth, and address.\n\nChannel 1: Yeah. Full name, Peter Johannes Herta. Date of birth, 01/18/1977, and the address is 11 Morehouse Street, Richmond, Victoria 3121.\n\nChannel 0: Perfect. Alright. So the reason of my call and you I I know that you were cc'd in on the email from the insurer, but\n\nChannel 1: Yes.\n\nChannel 0: it is to touch base with regards to the insurance application that we sent\n\nChannel 1: Yeah.\n\nChannel 0: through to OnePath Zurich.\n\nChannel 1: Yeah.\n\nChannel 0: So they've come back with post post the medical side of things and and an analysis that they are only willing to offer cover for death insurance and nothing\n\nChannel 1: Yes.\n\nChannel 0: on the total pam disability income protection side. They\n\nChannel 1: Yeah. And that's probably because I've previously been treated for tuberculosis.\n\nChannel 0: it like, that was a, I guess, comorbidity, I guess, is the terminology for them, but it wasn't the only underlying factor.\n\nChannel 1: Mhmm.\n\nChannel 0: They also had the homogeneous MTHFR cyst the genetic status was one of the was one of the contributing\n\nChannel 1: Yes.\n\nChannel 0: factors\n\nChannel 1: Okay.\n\nChannel 0: as well as Raynard's diabetes. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Don't be wrong. Tuberculosis did fall\n\nChannel 1: Yep.\n\nChannel 0: into it as well, but it was just it was the the number of,\n\nChannel 1: Yes.\n\nChannel 0: I guess, health concerns that can create higher risk.\n\nChannel 1: Yes. And and I was actually expecting that because I often do medicals for insurance.\n\nChannel 0: Yeah. So it wasn't it's not something that you're uncommon to, I guess.\n\nChannel 1: Yes. Yes. No.\n\nChannel 0: Yeah.\n\nChannel 1: I mean, especially the past tuberculosis, then\n\nChannel 0: Yeah.\n\nChannel 1: that is a concern.\n\nChannel 0: Yeah. Originally, like, the tuberculosis was only was a was a concern originally, but we pre assessed it, and they were actually pretty okay with it. It was just when\n\nChannel 1: Yeah.\n\nChannel 0: it came to, I guess, the layers that fell down the line, which is where they kind of picked it up. Specifically, the one the biggest key factor was that genetic side of thing\n\nChannel 1: Okay. Yeah.\n\nChannel 0: because it's a genetic mutation of the cells, which is where things fell on that side.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: But it's essentially speaking, I guess, moving forward from here, there's a couple of different layers to it. Because, originally, we had applied for a MillerLife milli MillerTPD and then the income protection at 10\n\nChannel 1: Mhmm.\n\nChannel 0: grand a month.\n\nChannel 1: Yes.\n\nChannel 0: So, obviously, the TPD, the IP declined. The life insurance is still approved\n\nChannel 1: Mhmm.\n\nChannel 0: on that side with a 75% loading. So, essentially speaking, what that would look like is the life insurance premium originally was, like, $672, just around it. With the 75% loading, that would change it to about $11.75.\n\nChannel 1: I'm sorry. But that and then that is per is that annual?\n\nChannel 0: That is per year annually. Yes.\n\nChannel 1: Yeah. Yeah. So what was the number again? 11?\n\nChannel 0: 1175.\n\nChannel 1: 1175 per annum. Okay. Yep.\n\nChannel 0: Now, essentially speaking, there's a couple of options that we have available.\n\nChannel 1: Mhmm.\n\nChannel 0: We can proceed with that. That gives you the life cover. So if you were to pass away, diagnose terminally ill, you have that additional\n\nChannel 1: No.\n\nChannel 0: cover that gives the family reassurance\n\nChannel 1: Mhmm.\n\nChannel 0: in the event that, you know, the debts are covered, income's covered, all of that kind\n\nChannel 1: Yes.\n\nChannel 0: of stuff sorted. You then also have currently, because we didn't close it,\n\nChannel 1: Mhmm.\n\nChannel 0: your Aware Superfund as well.\n\nChannel 1: Yes.\n\nChannel 0: So your Aware Superfund, we kept it open with a small balance in it while we were going through the insurance side of things. It has 72,500 of\n\nChannel 1: Mhmm.\n\nChannel 0: life TPD,\n\nChannel 1: Yep.\n\nChannel 0: and then it has a thousand dollars in IP. So now it's a bit of a conversation as to where we go on that side. Because,\n\nChannel 1: Yep.\n\nChannel 0: essentially speaking, the Zurich policy would cover the like, your life needs, but it means that your TPD income protection needs remain unmet.\n\nChannel 1: Yes. So\n\nChannel 0: Now\n\nChannel 1: what are the options\n\nChannel 0: Mhmm.\n\nChannel 1: in that case?\n\nChannel 0: So there's a couple of options. Option one is I do and I've I've already started. Like, don't be me wrong. It's not like me twiddling my thumbs. But I continue to go down the route of seeing if there's any other insurers that would cover your complex medical history\n\nChannel 1: Yes.\n\nChannel 0: for the TPD IP side of things.\n\nChannel 1: Mhmm.\n\nChannel 0: Option two is we start building a financial buffer for yourself whereby\n\nChannel 1: Yes.\n\nChannel 0: we start directing cash flow into a position to kind of create that that safety account. So if anything happens, that's where, I guess, your, like, income protection income would come from. So\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: if if you were fell into the position of being unable to work, you basically have a bank account that kind of starts filtering through to\n\nChannel 1: Yep.\n\nChannel 0: cover your your needs. So they're sort of the the two options that we have.\n\nChannel 1: Mhmm.\n\nChannel 0: Granted, you do have and then, I guess, then it's a conversation as to where or what we do in regards to the Aware Superfund. Because, realistically, like, there are operation costs with the funds. Don't get me wrong. There's the premiums to to to pay for that insurance is, you know, $330 a year, but\n\nChannel 1: Mhmm.\n\nChannel 0: it's really nothing significant in terms of\n\nChannel 1: Yeah.\n\nChannel 0: of income.\n\nChannel 1: Look. I mean,\n\nChannel 0: But\n\nChannel 1: I think, you know, paying $330 a year, even even though it's only 72,000 life cover? And then how much is it per because I think it's\n\nChannel 0: A\n\nChannel 1: for\n\nChannel 0: thousand\n\nChannel 1: two\n\nChannel 0: dollars\n\nChannel 1: years,\n\nChannel 0: a month?\n\nChannel 1: a thousand dollars a month for two years.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: After after ninety days, which means, essentially, you get your first payment day one twenty of being off work.\n\nChannel 1: Yep. Yep. That makes sense.\n\nChannel 0: So it's it's jack of you know, it's it's it's jackal in terms of cost. It's not exactly covering anything much in terms of income, but it's sort of a something's better than nothing kind of position.\n\nChannel 1: Exactly. Yes.\n\nChannel 0: So there is that sort of avenue. Now that would essentially mean that if we want to keep that open, we'd kind of have Aware Super as literally just an insurance fund. So\n\nChannel 1: Yep.\n\nChannel 0: we'd keep a really small amount in the account. It would just be an insurance holding account. So, basically, the money in the account pays the premiums, and that's about it. We still make\n\nChannel 1: Yep.\n\nChannel 0: sure it's invested in a in a nice way to kind of still keep up with things, but we just keep that there as literally just a bank account to pay the insurance premiums.\n\nChannel 1: Yep. No. That makes\n\nChannel 0: But\n\nChannel 1: sense.\n\nChannel 0: but it's kind of, I guess, a wider conversation as to whether do you want me to start, like, pushing a little bit harder in terms of other insurers and going down that line?\n\nChannel 1: Mhmm.\n\nChannel 0: And I'm still happy to, still have been, because it means kinda dragging you through it with me. Because there's only\n\nChannel 1: Yeah.\n\nChannel 0: a small there's only so much that I can do independently. Because as you saw by the email, Zurich don't don't release everything to us.\n\nChannel 1: Yep.\n\nChannel 0: We\n\nChannel 1: And\n\nChannel 0: we\n\nChannel 1: and,\n\nChannel 0: don't\n\nChannel 1: I mean, the the concern is I know that if if an insurer one insurer has declined, then it's gonna be harder for another insurer to get in get it across the line with another insurer.\n\nChannel 0: It just depends on who their reinsurer is and what their back end requirements, PDF, like because there's there's a product disclosure statement, which is what we obviously read to make sure that the product is right for you. But then an an insurer actually has a reinsurer, and what happens is the reinsurer sets rules and regulations for what can happen and what can't happen and what medicals they approve and what medicals they don't approve and this the the cross colonization of everything. Comorbidities\n\nChannel 1: Yep.\n\nChannel 0: is what they refer to it as, and and what parameters they they do allow.\n\nChannel 1: Yep.\n\nChannel 0: So they all are different depending on who their reinsurer is.\n\nChannel 1: Yep. So, I mean, what I what I will do is I'll have a bit of a think about that. I'm gonna speak to a colleague of mine. I mean, I've got a psychiatrist colleague. We studied together in South Africa.\n\nShe's also\n\nChannel 0: Yeah.\n\nChannel 1: in Australia. She had renal cancer,\n\nChannel 0: Yep.\n\nChannel 1: And she was actually in the last six months, she was able to get to get TPD cover. So, I mean, I can you know, when I next see her, just sort of explore how she went about that and which insurer that was. I mean, after renal cancer, getting getting TPD insurances, obviously, you know, that's a miracle.\n\nChannel 0: Yeah. Do you know when she had cancer last? Because, generally, it's a five to ten year rule with any\n\nChannel 1: I\n\nChannel 0: kind of cancer.\n\nChannel 1: I don't remember when,\n\nChannel 0: Yeah.\n\nChannel 1: but I know that she was able because I spoke to her about three, four weeks ago, and, yeah, she was able to to get insured.\n\nChannel 0: Yep. Okay. Yeah. Well, if you're able to find out and even if you just flick an email through the\n\nChannel 1: Yeah.\n\nChannel 0: to to Jack, and Jack will pass it along and let me know.\n\nChannel 1: Yep.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah. So let me have a bit of a chat to her and have a bit of a think about the options.\n\nChannel 0: Okay. And I'll continue on with my plotting and and research on my side as well.\n\nChannel 1: Excellent. I mean, do you know of any insurers where you've had good outcomes with?\n\nChannel 0: The issue is is each medical like, I'd love to say yes, but each medical case is different. Like, you're not you're not the most complex health case I've come across.\n\nChannel 1: Yeah.\n\nChannel 0: I've had I've had plenty more complex. Honestly, like, it it it it just depends on how everything connects together and whether one thing links to another that creates a thing and a thing, and it and it just spirals down from there.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: Like, I've I've I've I've gotten ex cancer patients insurance in the past. I've I've been in the industry for over a decade. So I've I've seen the changes as they've kinda gone through over the last ten years, but it's just it's it's how long space is doing, really.\n\nChannel 1: Yep. Yep. Okay. So I'll I'll explore that. I mean, I'm not gonna see her again.\n\nI mean, we've got a meeting together probably in the next three weeks. So I will speak to her and let you know.\n\nChannel 0: Yeah. Yeah. Absolutely. Sounds like a plan. Well, I'll put in my calendar to touch base with you in sort of four weeks or so.\n\nChannel 1: Yep.\n\nChannel 0: But I guess how do you wanna do you want me to just put things things on hold for now and obviously not move in any direction and just kind of hold and wait? I'll do my thing, you do your thing, and we'll reconvene\n\nChannel 1: I mean,\n\nChannel 0: in\n\nChannel 1: unless\n\nChannel 0: three\n\nChannel 1: unless\n\nChannel 0: or four?\n\nChannel 1: you unless you know of any insurers that could be explored\n\nChannel 0: Mine's just a look at them all type of approach,\n\nChannel 1: Yeah.\n\nChannel 0: not a I'm gonna pick that one. Don't be wrong. I can generally go I'm gonna pick that one, but this is definitely gonna be an I'm exploring all because I'm dealing with complex health history. It's it's not like I'm just dealing with cancer. Will I know that this insurer is more lenient for x cancer patients?\n\nThat's\n\nChannel 1: Yeah.\n\nChannel 0: that's the direction I'm going. It's I'm multilayered, and I've had one other client who's had tuberculosis in my ten years. So\n\nChannel 1: Okay.\n\nChannel 0: not not something that I commonly come across.\n\nChannel 1: Not in Australia. No. But\n\nChannel 0: No.\n\nChannel 1: definitely in South Africa. Look. I think let's do the following. If you can explore other options, and then maybe in about four weeks, if we can have a follow-up phone call.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: In four but in four weeks, I'm gonna be in South Africa. So let me just open up my calendar.\n\nChannel 0: Let's do that.\n\nChannel 1: Let me just see. So four weeks is gonna take us to the October 12. I'm actually back. I'm flying back on the Sunday, but I'm probably gonna be very jet lagged.\n\nChannel 0: Yeah. Do you wanna\n\nChannel 1: Then\n\nChannel 0: do the thirteenth?\n\nChannel 1: well, how about the Wednesday, October 14?\n\nChannel 0: Sold. First thing in the morning?\n\nChannel 1: Yep. What time?\n\nChannel 0: You let me know. I'm basically in from, like, 6AM. Not that I generally wanna talk to anyone at that time in the morning, but\n\nChannel 1: So\n\nChannel 0: Oh, wow.\n\nChannel 1: shall\n\nChannel 0: Okay.\n\nChannel 1: we say 08:30 then?\n\nChannel 0: Sounds perfect.\n\nChannel 1: Okay. Let me just see. That's 08:30. So Wednesday, October 14. Let me just but for some reason, it's not saving.\n\nChannel 0: Do you want me to just do this and I can invite you to it so that way it pops\n\nChannel 1: Yep.\n\nChannel 0: up in both of our calendars?\n\nChannel 1: I think\n\nChannel 0: Yep.\n\nChannel 1: I think that's gonna probably be the best,\n\nChannel 0: Done.\n\nChannel 1: but I am saving it on my phone. So October 14 at 08:30. So I've now saved it, but please send me an email as well.\n\nChannel 0: Done. I will invite you into it so that way it has a whole thing and I guess I know how to do that.\n\nChannel 1: Excellent.\n\nChannel 0: Amazing. Alright. I will talk to you then then.\n\nChannel 1: Right. Thank you so much for your help.\n\nChannel 0: That's okay, Peter. Speak soon.\n\nChannel 1: Thanks. Okay. Bye\n\nChannel 0: Bye.\n\nChannel 1: bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.76,"end":2.24,"sentiment":"neutral","sentiment_score":0.011920083314180374},{"text":"Peter speaking.","start":2.24,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.013368900865316391}],"sentiment":"neutral","sentiment_score":0.012885961681604385,"channel":1,"num_words":3,"start":1.76,"end":3.1399999},{"sentences":[{"text":"Hi,","start":4.08,"end":4.58,"sentiment":"neutral","sentiment_score":0.08366689831018448}],"sentiment":"neutral","sentiment_score":0.08366689831018448,"channel":0,"num_words":1,"start":4.08,"end":4.58},{"sentences":[{"text":"Hi.","start":4.4,"end":4.9,"sentiment":"neutral","sentiment_score":0.1330457627773285}],"sentiment":"neutral","sentiment_score":0.1330457627773285,"channel":1,"num_words":1,"start":4.4,"end":4.9},{"sentences":[{"text":"Peter.","start":4.64,"end":5.04,"sentiment":"neutral","sentiment_score":0.14215517044067383},{"text":"Larissa from Ophi Financial.","start":5.04,"end":6.56,"sentiment":"neutral","sentiment_score":0.16749626398086548},{"text":"How are you going?","start":6.56,"end":7.46,"sentiment":"neutral","sentiment_score":0.20864341408014297}],"sentiment":"neutral","sentiment_score":0.18296820918718973,"channel":0,"num_words":9,"start":4.64,"end":7.46},{"sentences":[{"text":"Yes.","start":7.52,"end":7.9199996,"sentiment":"positive","sentiment_score":0.3401070237159729},{"text":"Good.","start":7.9199996,"end":8.16,"sentiment":"positive","sentiment_score":0.5839098691940308},{"text":"Thanks.","start":8.16,"end":8.559999,"sentiment":"positive","sentiment_score":0.5962491035461426},{"text":"Yourself?","start":8.559999,"end":9.059999,"sentiment":"positive","sentiment_score":0.3435588777065277}],"sentiment":"positive","sentiment_score":0.4659562185406685,"channel":1,"num_words":4,"start":7.52,"end":9.059999},{"sentences":[{"text":"Not bad.","start":10.0,"end":10.8,"sentiment":"neutral","sentiment_score":0.28455086797475815},{"text":"It's been a day, but we're sitting down with a cold coffee that I think I made five hours ago and living","start":10.8,"end":17.155,"sentiment":"neutral","sentiment_score":0.16178784688765352}],"sentiment":"neutral","sentiment_score":0.17201809864491224,"channel":0,"num_words":24,"start":10.0,"end":17.155},{"sentences":[{"text":"Well,","start":16.965,"end":17.465,"sentiment":"neutral","sentiment_score":0.25059425830841064}],"sentiment":"neutral","sentiment_score":0.25059425830841064,"channel":1,"num_words":1,"start":16.965,"end":17.465},{"sentences":[{"text":"life.","start":17.155,"end":17.655,"sentiment":"positive","sentiment_score":0.34556469321250916}],"sentiment":"positive","sentiment_score":0.34556469321250916,"channel":0,"num_words":1,"start":17.155,"end":17.655},{"sentences":[{"text":"that's exactly how my day go is going.","start":18.325,"end":21.205,"sentiment":"positive","sentiment_score":0.4750452898442745},{"text":"I describe it as to Nobles.","start":21.205,"end":23.225,"sentiment":"neutral","sentiment_score":0.09447689851125081},{"text":"I've actually moved appointments appointments around, and I've still got patients booked in.","start":24.485,"end":30.130001,"sentiment":"neutral","sentiment_score":0.02555384809294572},{"text":"I was gonna finish, but somebody has booked in appointments for me now.","start":30.35,"end":36.29,"sentiment":"neutral","sentiment_score":-0.05297064838501123},{"text":"I've got somebody at quarter to five, and I'm only gonna finish probably at seven.","start":36.91,"end":41.489998,"sentiment":"neutral","sentiment_score":-0.0416672187546889}],"sentiment":"neutral","sentiment_score":0.06155994590371847,"channel":1,"num_words":55,"start":18.325,"end":41.489998},{"sentences":[{"text":"Oh, I'm with you there.","start":43.295,"end":44.595,"sentiment":"neutral","sentiment_score":0.014039952059101779},{"text":"Right with you there.","start":44.655,"end":45.855,"sentiment":"neutral","sentiment_score":0.06402810662984848},{"text":"I really am.","start":45.855,"end":46.915,"sentiment":"neutral","sentiment_score":0.10547252744436264},{"text":"Well, I will keep it short and sharp for you.","start":47.455,"end":50.035,"sentiment":"neutral","sentiment_score":0.10756859183311462}],"sentiment":"neutral","sentiment_score":0.0781098039763244,"channel":0,"num_words":22,"start":43.295,"end":50.035},{"sentences":[{"text":"Yes.","start":49.864998,"end":50.364998,"sentiment":"neutral","sentiment_score":0.04401382803916931}],"sentiment":"neutral","sentiment_score":0.04401382803916931,"channel":1,"num_words":1,"start":49.864998,"end":50.364998},{"sentences":[{"text":"I call before I jump into it, though, I do need to let you know our calls are recorded.","start":51.295,"end":54.495,"sentiment":"neutral","sentiment_score":0.009199490280527817},{"text":"And if I could get you to confirm security for me, it is full name, date of birth, and address.","start":54.495,"end":59.609997,"sentiment":"neutral","sentiment_score":0.023522152751684188}],"sentiment":"neutral","sentiment_score":0.016544445393941343,"channel":0,"num_words":39,"start":51.295,"end":59.609997},{"sentences":[{"text":"Yeah.","start":59.54,"end":59.94,"sentiment":"neutral","sentiment_score":0.024006731808185577},{"text":"Full name, Peter Johannes Herta.","start":59.94,"end":62.12,"sentiment":"neutral","sentiment_score":0.025022296980023385},{"text":"Date of birth, 01/18/1977, and the address is 11 Morehouse Street, Richmond, Victoria 3121.","start":62.58,"end":73.125,"sentiment":"neutral","sentiment_score":0.03037320968828031}],"sentiment":"neutral","sentiment_score":0.02871715761721134,"channel":1,"num_words":20,"start":59.54,"end":73.125},{"sentences":[{"text":"Perfect.","start":73.895004,"end":74.395004,"sentiment":"neutral","sentiment_score":0.29175323247909546},{"text":"Alright.","start":75.815,"end":76.295,"sentiment":"neutral","sentiment_score":0.08836686611175537},{"text":"So the reason of my call and you I I know that you were cc'd in on the email from the insurer, but","start":76.295,"end":82.25,"sentiment":"neutral","sentiment_score":-0.013936036954755369}],"sentiment":"neutral","sentiment_score":0.0023836499452590944,"channel":0,"num_words":25,"start":73.895004,"end":82.25},{"sentences":[{"text":"Yes.","start":82.145004,"end":82.645004,"sentiment":"neutral","sentiment_score":-0.0006742365658283234}],"sentiment":"neutral","sentiment_score":-0.0006742365658283234,"channel":1,"num_words":1,"start":82.145004,"end":82.645004},{"sentences":[{"text":"it is to touch base with regards to the insurance application that we sent","start":82.25,"end":86.33,"sentiment":"neutral","sentiment_score":-0.010367661980645997}],"sentiment":"neutral","sentiment_score":-0.010367661980645997,"channel":0,"num_words":14,"start":82.25,"end":86.33},{"sentences":[{"text":"Yeah.","start":86.020004,"end":86.520004,"sentiment":"neutral","sentiment_score":-0.018718739971518517}],"sentiment":"neutral","sentiment_score":-0.018718739971518517,"channel":1,"num_words":1,"start":86.020004,"end":86.520004},{"sentences":[{"text":"through to OnePath Zurich.","start":86.33,"end":89.55,"sentiment":"neutral","sentiment_score":-0.02393222600221634}],"sentiment":"neutral","sentiment_score":-0.02393222600221634,"channel":0,"num_words":4,"start":86.33,"end":89.55},{"sentences":[{"text":"Yeah.","start":89.94,"end":90.44,"sentiment":"neutral","sentiment_score":-0.049514736980199814}],"sentiment":"neutral","sentiment_score":-0.049514736980199814,"channel":1,"num_words":1,"start":89.94,"end":90.44},{"sentences":[{"text":"So they've come back with post post the medical side of things and and an analysis that they are only willing to offer cover for death insurance and nothing","start":92.09,"end":106.375,"sentiment":"neutral","sentiment_score":-0.11515398477685862}],"sentiment":"neutral","sentiment_score":-0.11515398477685862,"channel":0,"num_words":29,"start":92.09,"end":106.375},{"sentences":[{"text":"Yes.","start":106.265,"end":106.765,"sentiment":"neutral","sentiment_score":-0.05386463552713394}],"sentiment":"neutral","sentiment_score":-0.05386463552713394,"channel":1,"num_words":1,"start":106.265,"end":106.765},{"sentences":[{"text":"on the total pam disability income protection side.","start":106.375,"end":109.195,"sentiment":"neutral","sentiment_score":-0.09060743264853954},{"text":"They","start":109.23,"end":109.73,"sentiment":"neutral","sentiment_score":-0.0679781436920166}],"sentiment":"neutral","sentiment_score":-0.08809306720892589,"channel":0,"num_words":9,"start":106.375,"end":109.73},{"sentences":[{"text":"Yeah.","start":109.48,"end":109.88,"sentiment":"neutral","sentiment_score":-0.06667420268058777},{"text":"And that's probably because I've previously been treated for tuberculosis.","start":109.88,"end":114.06,"sentiment":"neutral","sentiment_score":-0.10769481733441352}],"sentiment":"neutral","sentiment_score":-0.1039656705477021,"channel":1,"num_words":11,"start":109.48,"end":114.06},{"sentences":[{"text":"it like, that was a, I guess, comorbidity, I guess, is the terminology for them, but it wasn't the only underlying factor.","start":115.91,"end":125.255,"sentiment":"neutral","sentiment_score":-0.09177639758722349}],"sentiment":"neutral","sentiment_score":-0.09177639758722349,"channel":0,"num_words":22,"start":115.91,"end":125.255},{"sentences":[{"text":"Mhmm.","start":124.795,"end":125.295,"sentiment":"neutral","sentiment_score":-0.027094177901744843}],"sentiment":"neutral","sentiment_score":-0.027094177901744843,"channel":1,"num_words":1,"start":124.795,"end":125.295},{"sentences":[{"text":"They also had the homogeneous MTHFR cyst the genetic status was one of the was one of the contributing","start":125.314995,"end":137.75,"sentiment":"neutral","sentiment_score":-0.04902929244072814}],"sentiment":"neutral","sentiment_score":-0.04902929244072814,"channel":0,"num_words":19,"start":125.314995,"end":137.75},{"sentences":[{"text":"Yes.","start":137.84999,"end":138.34999,"sentiment":"neutral","sentiment_score":-0.025389494374394417}],"sentiment":"neutral","sentiment_score":-0.025389494374394417,"channel":1,"num_words":1,"start":137.84999,"end":138.34999},{"sentences":[{"text":"factors","start":137.89,"end":138.39,"sentiment":"neutral","sentiment_score":-0.022927917540073395}],"sentiment":"neutral","sentiment_score":-0.022927917540073395,"channel":0,"num_words":1,"start":137.89,"end":138.39},{"sentences":[{"text":"Okay.","start":138.81,"end":139.31,"sentiment":"neutral","sentiment_score":-0.024542877450585365}],"sentiment":"neutral","sentiment_score":-0.024542877450585365,"channel":1,"num_words":1,"start":138.81,"end":139.31},{"sentences":[{"text":"as well as Raynard's diabetes.","start":139.89,"end":143.59001,"sentiment":"neutral","sentiment_score":-0.02354297451674938},{"text":"Yes.","start":143.89,"end":144.29001,"sentiment":"neutral","sentiment_score":0.009602184407413006}],"sentiment":"neutral","sentiment_score":-0.01801878136272232,"channel":0,"num_words":6,"start":139.89,"end":144.29001},{"sentences":[{"text":"Yeah.","start":143.93,"end":144.43,"sentiment":"neutral","sentiment_score":0.00890868529677391}],"sentiment":"neutral","sentiment_score":0.00890868529677391,"channel":1,"num_words":1,"start":143.93,"end":144.43},{"sentences":[{"text":"Don't be wrong.","start":144.29001,"end":144.93001,"sentiment":"neutral","sentiment_score":-0.025689952075481415},{"text":"Tuberculosis did fall","start":144.93001,"end":145.89,"sentiment":"neutral","sentiment_score":-0.05465502291917801}],"sentiment":"neutral","sentiment_score":-0.04017248749732971,"channel":0,"num_words":6,"start":144.29001,"end":145.89},{"sentences":[{"text":"Yep.","start":145.76999,"end":146.26999,"sentiment":"neutral","sentiment_score":-0.02960721217095852}],"sentiment":"neutral","sentiment_score":-0.02960721217095852,"channel":1,"num_words":1,"start":145.76999,"end":146.26999},{"sentences":[{"text":"into it as well, but it was just it was the the number of,","start":145.89,"end":149.03,"sentiment":"neutral","sentiment_score":-0.07136004817272935}],"sentiment":"neutral","sentiment_score":-0.07136004817272935,"channel":0,"num_words":14,"start":145.89,"end":149.03},{"sentences":[{"text":"Yes.","start":149.29,"end":149.79,"sentiment":"neutral","sentiment_score":-0.10892949253320694}],"sentiment":"neutral","sentiment_score":-0.10892949253320694,"channel":1,"num_words":1,"start":149.29,"end":149.79},{"sentences":[{"text":"I guess, health concerns that can create higher risk.","start":150.74501,"end":155.965,"sentiment":"negative","sentiment_score":-0.4390168918503655}],"sentiment":"negative","sentiment_score":-0.4390168918503655,"channel":0,"num_words":9,"start":150.74501,"end":155.965},{"sentences":[{"text":"Yes.","start":156.00499,"end":156.50499,"sentiment":"neutral","sentiment_score":-0.14220136404037476},{"text":"And and I was actually expecting that because I often do medicals for insurance.","start":156.72499,"end":162.105,"sentiment":"neutral","sentiment_score":-0.12857397911804064}],"sentiment":"neutral","sentiment_score":-0.12948247144619623,"channel":1,"num_words":15,"start":156.00499,"end":162.105},{"sentences":[{"text":"Yeah.","start":164.8,"end":165.3,"sentiment":"neutral","sentiment_score":-0.024209681898355484},{"text":"So it wasn't it's not something that you're uncommon to, I guess.","start":165.44,"end":169.7,"sentiment":"neutral","sentiment_score":-0.10264000327636798}],"sentiment":"neutral","sentiment_score":-0.09660690163190548,"channel":0,"num_words":13,"start":164.8,"end":169.7},{"sentences":[{"text":"Yes.","start":169.92,"end":170.42,"sentiment":"neutral","sentiment_score":0.03565698117017746},{"text":"Yes.","start":170.48,"end":170.98,"sentiment":"neutral","sentiment_score":0.004819363355636597},{"text":"No.","start":171.2,"end":171.51999,"sentiment":"neutral","sentiment_score":-0.1756455898284912}],"sentiment":"neutral","sentiment_score":-0.04505641510089239,"channel":1,"num_words":3,"start":169.92,"end":171.51999},{"sentences":[{"text":"Yeah.","start":171.36,"end":171.86,"sentiment":"neutral","sentiment_score":-0.1139107346534729}],"sentiment":"neutral","sentiment_score":-0.1139107346534729,"channel":0,"num_words":1,"start":171.36,"end":171.86},{"sentences":[{"text":"I mean, especially the past tuberculosis, then","start":171.51999,"end":175.45999,"sentiment":"neutral","sentiment_score":-0.16112708406788961}],"sentiment":"neutral","sentiment_score":-0.16112708406788961,"channel":1,"num_words":7,"start":171.51999,"end":175.45999},{"sentences":[{"text":"Yeah.","start":175.095,"end":175.595,"sentiment":"neutral","sentiment_score":-0.19614484906196591}],"sentiment":"neutral","sentiment_score":-0.19614484906196591,"channel":0,"num_words":1,"start":175.095,"end":175.595},{"sentences":[{"text":"that is a concern.","start":175.59999,"end":176.65999,"sentiment":"neutral","sentiment_score":-0.25906605646014214}],"sentiment":"neutral","sentiment_score":-0.25906605646014214,"channel":1,"num_words":4,"start":175.59999,"end":176.65999},{"sentences":[{"text":"Yeah.","start":179.015,"end":179.515,"sentiment":"neutral","sentiment_score":-0.04272042587399483},{"text":"Originally, like, the tuberculosis was only was a was a concern originally, but we pre assessed it, and they were actually pretty okay with it.","start":179.735,"end":189.91,"sentiment":"neutral","sentiment_score":0.08152404755353927},{"text":"It was just when","start":189.91,"end":191.19,"sentiment":"neutral","sentiment_score":0.039431773126125336}],"sentiment":"neutral","sentiment_score":0.07177026184896627,"channel":0,"num_words":30,"start":179.015,"end":191.19},{"sentences":[{"text":"Yeah.","start":191.01001,"end":191.51001,"sentiment":"neutral","sentiment_score":0.010848313570022585}],"sentiment":"neutral","sentiment_score":0.010848313570022585,"channel":1,"num_words":1,"start":191.01001,"end":191.51001},{"sentences":[{"text":"it came to, I guess, the layers that fell down the line, which is where they kind of picked it up.","start":191.19,"end":198.73001,"sentiment":"neutral","sentiment_score":-0.06753731252891677},{"text":"Specifically, the one the biggest key factor was that genetic side of thing","start":199.11,"end":203.21,"sentiment":"neutral","sentiment_score":-0.09896129140487084}],"sentiment":"neutral","sentiment_score":-0.0795523632756051,"channel":0,"num_words":34,"start":191.19,"end":203.21},{"sentences":[{"text":"Okay.","start":203.09,"end":203.59,"sentiment":"neutral","sentiment_score":-0.08586925268173218},{"text":"Yeah.","start":203.73001,"end":204.23001,"sentiment":"neutral","sentiment_score":-0.06509165465831757}],"sentiment":"neutral","sentiment_score":-0.07548045367002487,"channel":1,"num_words":2,"start":203.09,"end":204.23001},{"sentences":[{"text":"because it's a genetic mutation of the cells, which is where things fell on that side.","start":204.305,"end":213.285,"sentiment":"neutral","sentiment_score":-0.0983724978286773}],"sentiment":"neutral","sentiment_score":-0.0983724978286773,"channel":0,"num_words":16,"start":204.305,"end":213.285},{"sentences":[{"text":"Mhmm.","start":213.295,"end":213.77501,"sentiment":"neutral","sentiment_score":0.0001882687211036682},{"text":"Okay.","start":213.77501,"end":214.27501,"sentiment":"neutral","sentiment_score":0.009836887940764427}],"sentiment":"neutral","sentiment_score":0.005012578330934048,"channel":1,"num_words":2,"start":213.295,"end":214.27501},{"sentences":[{"text":"But it's essentially speaking, I guess, moving forward from here, there's a couple of different layers to it.","start":213.825,"end":219.31,"sentiment":"neutral","sentiment_score":0.01031511038955715},{"text":"Because, originally, we had applied for a MillerLife milli MillerTPD and then the income protection at 10","start":219.69,"end":228.56999,"sentiment":"neutral","sentiment_score":-0.012849690392613411}],"sentiment":"neutral","sentiment_score":-0.0009363642760685512,"channel":0,"num_words":35,"start":213.825,"end":228.56999},{"sentences":[{"text":"Mhmm.","start":228.54,"end":229.04,"sentiment":"neutral","sentiment_score":-0.015459306538105013}],"sentiment":"neutral","sentiment_score":-0.015459306538105013,"channel":1,"num_words":1,"start":228.54,"end":229.04},{"sentences":[{"text":"grand a month.","start":228.56999,"end":229.55,"sentiment":"neutral","sentiment_score":-0.01642411823074023}],"sentiment":"neutral","sentiment_score":-0.01642411823074023,"channel":0,"num_words":3,"start":228.56999,"end":229.55},{"sentences":[{"text":"Yes.","start":229.81999,"end":230.295,"sentiment":"neutral","sentiment_score":0.03170877695083618}],"sentiment":"neutral","sentiment_score":0.03170877695083618,"channel":1,"num_words":1,"start":229.81999,"end":230.295},{"sentences":[{"text":"So, obviously, the TPD, the IP declined.","start":230.97499,"end":234.19499,"sentiment":"neutral","sentiment_score":-0.02955546389733042},{"text":"The life insurance is still approved","start":234.97499,"end":237.715,"sentiment":"neutral","sentiment_score":0.020041367659966152}],"sentiment":"neutral","sentiment_score":-0.006664618563193541,"channel":0,"num_words":13,"start":230.97499,"end":237.715},{"sentences":[{"text":"Mhmm.","start":239.255,"end":239.755,"sentiment":"neutral","sentiment_score":0.06978264451026917}],"sentiment":"neutral","sentiment_score":0.06978264451026917,"channel":1,"num_words":1,"start":239.255,"end":239.755},{"sentences":[{"text":"on that side with a 75% loading.","start":239.375,"end":242.33499,"sentiment":"neutral","sentiment_score":0.03488356353981154},{"text":"So, essentially speaking, what that would look like is the life insurance premium originally was, like, $672, just around it.","start":242.33499,"end":254.48,"sentiment":"neutral","sentiment_score":0.011711774114519357},{"text":"With the 75% loading, that would change it to about $11.75.","start":255.5,"end":260.175,"sentiment":"neutral","sentiment_score":-0.0030646926977417684}],"sentiment":"neutral","sentiment_score":0.011702863352471277,"channel":0,"num_words":38,"start":239.375,"end":260.175},{"sentences":[{"text":"I'm sorry.","start":260.815,"end":261.45502,"sentiment":"neutral","sentiment_score":-0.06639916077256203},{"text":"But that and then that is per is that annual?","start":261.45502,"end":264.11502,"sentiment":"neutral","sentiment_score":-0.05997939370572567}],"sentiment":"neutral","sentiment_score":-0.06104935488353173,"channel":1,"num_words":12,"start":260.815,"end":264.11502},{"sentences":[{"text":"That is per year annually.","start":264.41498,"end":266.115,"sentiment":"neutral","sentiment_score":-0.025887471809983253},{"text":"Yes.","start":266.175,"end":266.675,"sentiment":"neutral","sentiment_score":0.024455012753605843}],"sentiment":"neutral","sentiment_score":-0.01749705771605174,"channel":0,"num_words":6,"start":264.41498,"end":266.675},{"sentences":[{"text":"Yeah.","start":266.17502,"end":266.67502,"sentiment":"neutral","sentiment_score":0.018816053867340088},{"text":"Yeah.","start":266.73502,"end":267.05502,"sentiment":"neutral","sentiment_score":0.016166167333722115},{"text":"So what was the number again?","start":267.05502,"end":268.575,"sentiment":"neutral","sentiment_score":0.007505566813051701},{"text":"11?","start":268.575,"end":269.39502,"sentiment":"neutral","sentiment_score":0.0032881880179047585}],"sentiment":"neutral","sentiment_score":0.009255978899697462,"channel":1,"num_words":9,"start":266.17502,"end":269.39502},{"sentences":[{"text":"1175.","start":269.85498,"end":271.315,"sentiment":"neutral","sentiment_score":0.004249199293553829}],"sentiment":"neutral","sentiment_score":0.004249199293553829,"channel":0,"num_words":1,"start":269.85498,"end":271.315},{"sentences":[{"text":"1175 per annum.","start":271.47,"end":273.65,"sentiment":"neutral","sentiment_score":0.012581306509673595},{"text":"Okay.","start":273.71,"end":274.11,"sentiment":"neutral","sentiment_score":0.06219480186700821},{"text":"Yep.","start":274.11,"end":274.61,"sentiment":"neutral","sentiment_score":0.09228106588125227}],"sentiment":"neutral","sentiment_score":0.03844395745545626,"channel":1,"num_words":5,"start":271.47,"end":274.61},{"sentences":[{"text":"Now, essentially speaking, there's a couple of options that we have available.","start":277.13,"end":281.31,"sentiment":"neutral","sentiment_score":0.10740386291096608}],"sentiment":"neutral","sentiment_score":0.10740386291096608,"channel":0,"num_words":12,"start":277.13,"end":281.31},{"sentences":[{"text":"Mhmm.","start":281.38998,"end":281.88998,"sentiment":"neutral","sentiment_score":0.1038786768913269}],"sentiment":"neutral","sentiment_score":0.1038786768913269,"channel":1,"num_words":1,"start":281.38998,"end":281.88998},{"sentences":[{"text":"We can proceed with that.","start":281.85,"end":282.97,"sentiment":"neutral","sentiment_score":0.19616309702396392},{"text":"That gives you the life cover.","start":282.97,"end":284.09,"sentiment":"neutral","sentiment_score":0.16238596414526305},{"text":"So if you were to pass away, diagnose terminally ill, you have that additional","start":284.09,"end":288.51,"sentiment":"neutral","sentiment_score":0.05081961809524468}],"sentiment":"neutral","sentiment_score":0.10666423693299293,"channel":0,"num_words":25,"start":281.85,"end":288.51},{"sentences":[{"text":"No.","start":288.115,"end":288.615,"sentiment":"neutral","sentiment_score":-0.02374893799424171}],"sentiment":"neutral","sentiment_score":-0.02374893799424171,"channel":1,"num_words":1,"start":288.115,"end":288.615},{"sentences":[{"text":"cover that gives the family reassurance","start":288.57,"end":291.655,"sentiment":"neutral","sentiment_score":0.047286691764990486}],"sentiment":"neutral","sentiment_score":0.047286691764990486,"channel":0,"num_words":6,"start":288.57,"end":291.655},{"sentences":[{"text":"Mhmm.","start":292.435,"end":292.935,"sentiment":"neutral","sentiment_score":0.014078539796173573}],"sentiment":"neutral","sentiment_score":0.014078539796173573,"channel":1,"num_words":1,"start":292.435,"end":292.935},{"sentences":[{"text":"in the event that, you know, the debts are covered, income's covered, all of that kind","start":292.515,"end":296.435,"sentiment":"neutral","sentiment_score":-0.002891837852075696}],"sentiment":"neutral","sentiment_score":-0.002891837852075696,"channel":0,"num_words":16,"start":292.515,"end":296.435},{"sentences":[{"text":"Yes.","start":296.275,"end":296.775,"sentiment":"neutral","sentiment_score":0.1908334642648697}],"sentiment":"neutral","sentiment_score":0.1908334642648697,"channel":1,"num_words":1,"start":296.275,"end":296.775},{"sentences":[{"text":"of stuff sorted.","start":296.435,"end":297.73502,"sentiment":"neutral","sentiment_score":0.18708459039529166},{"text":"You then also have currently, because we didn't close it,","start":299.55502,"end":304.135,"sentiment":"neutral","sentiment_score":0.10987667739391327}],"sentiment":"neutral","sentiment_score":0.12769388808653906,"channel":0,"num_words":13,"start":296.435,"end":304.135},{"sentences":[{"text":"Mhmm.","start":304.63,"end":305.13,"sentiment":"neutral","sentiment_score":0.18765392899513245}],"sentiment":"neutral","sentiment_score":0.18765392899513245,"channel":1,"num_words":1,"start":304.63,"end":305.13},{"sentences":[{"text":"your Aware Superfund as well.","start":304.71,"end":308.17,"sentiment":"neutral","sentiment_score":0.3031681030988693}],"sentiment":"neutral","sentiment_score":0.3031681030988693,"channel":0,"num_words":5,"start":304.71,"end":308.17},{"sentences":[{"text":"Yes.","start":308.47,"end":308.97,"sentiment":"neutral","sentiment_score":0.3021236062049866}],"sentiment":"neutral","sentiment_score":0.3021236062049866,"channel":1,"num_words":1,"start":308.47,"end":308.97},{"sentences":[{"text":"So your Aware Superfund, we kept it open with a small balance in it while we were going through the insurance side of things.","start":309.35,"end":315.61,"sentiment":"positive","sentiment_score":0.3484446918591857},{"text":"It has 72,500 of","start":316.63,"end":320.54498,"sentiment":"neutral","sentiment_score":0.22976025193929672}],"sentiment":"neutral","sentiment_score":0.3314897718706301,"channel":0,"num_words":28,"start":309.35,"end":320.54498},{"sentences":[{"text":"Mhmm.","start":320.435,"end":320.935,"sentiment":"neutral","sentiment_score":0.12417140603065492}],"sentiment":"neutral","sentiment_score":0.12417140603065492,"channel":1,"num_words":1,"start":320.435,"end":320.935},{"sentences":[{"text":"life TPD,","start":320.54498,"end":321.50497,"sentiment":"neutral","sentiment_score":0.0607069693505764}],"sentiment":"neutral","sentiment_score":0.0607069693505764,"channel":0,"num_words":2,"start":320.54498,"end":321.50497},{"sentences":[{"text":"Yep.","start":321.39,"end":321.89,"sentiment":"neutral","sentiment_score":0.0986032709479332}],"sentiment":"neutral","sentiment_score":0.0986032709479332,"channel":1,"num_words":1,"start":321.39,"end":321.89},{"sentences":[{"text":"and then it has a thousand dollars in IP.","start":321.50497,"end":323.44498,"sentiment":"neutral","sentiment_score":0.10750386863946915},{"text":"So now it's a bit of a conversation as to where we go on that side.","start":323.82498,"end":327.04498,"sentiment":"neutral","sentiment_score":0.12762716505676508},{"text":"Because,","start":327.345,"end":327.845,"sentiment":"neutral","sentiment_score":0.163088858127594}],"sentiment":"neutral","sentiment_score":0.12202531987657914,"channel":0,"num_words":26,"start":321.50497,"end":327.845},{"sentences":[{"text":"Yep.","start":327.71252,"end":328.21252,"sentiment":"neutral","sentiment_score":0.16145476698875427}],"sentiment":"neutral","sentiment_score":0.16145476698875427,"channel":1,"num_words":1,"start":327.71252,"end":328.21252},{"sentences":[{"text":"essentially speaking, the Zurich policy would cover the like, your life needs, but it means that your TPD income protection needs remain unmet.","start":327.905,"end":340.49,"sentiment":"neutral","sentiment_score":0.035028625765572426}],"sentiment":"neutral","sentiment_score":0.035028625765572426,"channel":0,"num_words":23,"start":327.905,"end":340.49},{"sentences":[{"text":"Yes.","start":341.075,"end":341.575,"sentiment":"neutral","sentiment_score":0.10000919550657272},{"text":"So","start":342.035,"end":342.275,"sentiment":"neutral","sentiment_score":0.045551102608442307}],"sentiment":"neutral","sentiment_score":0.07278014905750751,"channel":1,"num_words":2,"start":341.075,"end":342.275},{"sentences":[{"text":"Now","start":342.15,"end":342.65,"sentiment":"neutral","sentiment_score":0.03085089474916458}],"sentiment":"neutral","sentiment_score":0.03085089474916458,"channel":0,"num_words":1,"start":342.15,"end":342.65},{"sentences":[{"text":"what are the options","start":342.275,"end":343.335,"sentiment":"neutral","sentiment_score":-0.010467210784554482}],"sentiment":"neutral","sentiment_score":-0.010467210784554482,"channel":1,"num_words":4,"start":342.275,"end":343.335},{"sentences":[{"text":"Mhmm.","start":343.19,"end":343.69,"sentiment":"neutral","sentiment_score":0.015581170096993446}],"sentiment":"neutral","sentiment_score":0.015581170096993446,"channel":0,"num_words":1,"start":343.19,"end":343.69},{"sentences":[{"text":"in that case?","start":343.475,"end":344.535,"sentiment":"neutral","sentiment_score":0.010637784376740456}],"sentiment":"neutral","sentiment_score":0.010637784376740456,"channel":1,"num_words":3,"start":343.475,"end":344.535},{"sentences":[{"text":"So there's a couple of options.","start":345.75,"end":347.21,"sentiment":"neutral","sentiment_score":0.04780378813544909},{"text":"Option one is I do and I've I've already started.","start":347.43,"end":353.445,"sentiment":"neutral","sentiment_score":0.09127835221588612},{"text":"Like, don't be me wrong.","start":354.225,"end":355.025,"sentiment":"neutral","sentiment_score":0.006548602506518364},{"text":"It's not like me twiddling my thumbs.","start":355.025,"end":356.965,"sentiment":"neutral","sentiment_score":-0.09897289159042495},{"text":"But I continue to go down the route of seeing if there's any other insurers that would cover your complex medical history","start":357.505,"end":366.7,"sentiment":"neutral","sentiment_score":0.028204738585786385}],"sentiment":"neutral","sentiment_score":0.023200865425169467,"channel":0,"num_words":50,"start":345.75,"end":366.7},{"sentences":[{"text":"Yes.","start":366.98502,"end":367.48502,"sentiment":"neutral","sentiment_score":0.09810534864664078}],"sentiment":"neutral","sentiment_score":0.09810534864664078,"channel":1,"num_words":1,"start":366.98502,"end":367.48502},{"sentences":[{"text":"for the TPD IP side of things.","start":368.12003,"end":372.30002,"sentiment":"neutral","sentiment_score":0.036974137382847924}],"sentiment":"neutral","sentiment_score":0.036974137382847924,"channel":0,"num_words":7,"start":368.12003,"end":372.30002},{"sentences":[{"text":"Mhmm.","start":372.505,"end":373.005,"sentiment":"neutral","sentiment_score":0.05320703610777855}],"sentiment":"neutral","sentiment_score":0.05320703610777855,"channel":1,"num_words":1,"start":372.505,"end":373.005},{"sentences":[{"text":"Option two is we start building a financial buffer for yourself whereby","start":374.04,"end":380.85498,"sentiment":"neutral","sentiment_score":0.11008366694053014}],"sentiment":"neutral","sentiment_score":0.11008366694053014,"channel":0,"num_words":12,"start":374.04,"end":380.85498},{"sentences":[{"text":"Yes.","start":380.71,"end":381.21,"sentiment":"neutral","sentiment_score":0.1869814693927765}],"sentiment":"neutral","sentiment_score":0.1869814693927765,"channel":1,"num_words":1,"start":380.71,"end":381.21},{"sentences":[{"text":"we start directing cash flow into a position to kind of create that that safety account.","start":380.91498,"end":390.91498,"sentiment":"neutral","sentiment_score":0.2043961239978671},{"text":"So if anything happens, that's where, I guess, your, like, income protection income would come from.","start":390.91498,"end":396.91,"sentiment":"neutral","sentiment_score":0.05547819449566305},{"text":"So","start":396.97,"end":397.29,"sentiment":"neutral","sentiment_score":0.02428296208381653}],"sentiment":"neutral","sentiment_score":0.1267355169084939,"channel":0,"num_words":33,"start":380.91498,"end":397.29},{"sentences":[{"text":"Mhmm.","start":396.975,"end":397.135,"sentiment":"neutral","sentiment_score":0.021624907851219177},{"text":"Yes.","start":397.135,"end":397.635,"sentiment":"neutral","sentiment_score":0.03760458901524544}],"sentiment":"neutral","sentiment_score":0.029614748433232307,"channel":1,"num_words":2,"start":396.975,"end":397.635},{"sentences":[{"text":"if if you were fell into the position of being unable to work, you basically have a bank account that kind of starts filtering through to","start":397.29,"end":403.05,"sentiment":"neutral","sentiment_score":-0.21045429345506889}],"sentiment":"neutral","sentiment_score":-0.21045429345506889,"channel":0,"num_words":26,"start":397.29,"end":403.05},{"sentences":[{"text":"Yep.","start":402.91,"end":403.41,"sentiment":"neutral","sentiment_score":-0.054717808961868286}],"sentiment":"neutral","sentiment_score":-0.054717808961868286,"channel":1,"num_words":1,"start":402.91,"end":403.41},{"sentences":[{"text":"cover your your needs.","start":403.05,"end":404.59,"sentiment":"neutral","sentiment_score":-0.04621513374149799},{"text":"So they're sort of the the two options that we have.","start":406.25,"end":408.59,"sentiment":"neutral","sentiment_score":0.0018071217293089087}],"sentiment":"neutral","sentiment_score":-0.010998813062906265,"channel":0,"num_words":15,"start":403.05,"end":408.59},{"sentences":[{"text":"Mhmm.","start":408.83002,"end":409.33002,"sentiment":"neutral","sentiment_score":0.009576845914125444}],"sentiment":"neutral","sentiment_score":0.009576845914125444,"channel":1,"num_words":1,"start":408.83002,"end":409.33002},{"sentences":[{"text":"Granted, you do have and then, I guess, then it's a conversation as to where or what we do in regards to the Aware Superfund.","start":409.365,"end":416.585,"sentiment":"neutral","sentiment_score":0.008427742719650268},{"text":"Because, realistically, like, there are operation costs with the funds.","start":417.125,"end":420.405,"sentiment":"neutral","sentiment_score":-0.18716219812631607},{"text":"Don't get me wrong.","start":420.405,"end":421.32,"sentiment":"neutral","sentiment_score":-0.05341391637921333},{"text":"There's the premiums to to to pay for that insurance is, you know, $330 a year, but","start":423.08002,"end":429.0,"sentiment":"neutral","sentiment_score":-0.12408129520276014}],"sentiment":"neutral","sentiment_score":-0.07114225173635143,"channel":0,"num_words":56,"start":409.365,"end":429.0},{"sentences":[{"text":"Mhmm.","start":428.95,"end":429.45,"sentiment":"neutral","sentiment_score":-0.1750744730234146}],"sentiment":"neutral","sentiment_score":-0.1750744730234146,"channel":1,"num_words":1,"start":428.95,"end":429.45},{"sentences":[{"text":"it's really nothing significant in terms of","start":429.0,"end":431.56,"sentiment":"neutral","sentiment_score":-0.2982898993151529}],"sentiment":"neutral","sentiment_score":-0.2982898993151529,"channel":0,"num_words":7,"start":429.0,"end":431.56},{"sentences":[{"text":"Yeah.","start":431.43,"end":431.93,"sentiment":"neutral","sentiment_score":-0.10516849160194396}],"sentiment":"neutral","sentiment_score":-0.10516849160194396,"channel":1,"num_words":1,"start":431.43,"end":431.93},{"sentences":[{"text":"of income.","start":431.56,"end":432.38,"sentiment":"neutral","sentiment_score":-0.1083371452987194}],"sentiment":"neutral","sentiment_score":-0.1083371452987194,"channel":0,"num_words":2,"start":431.56,"end":432.38},{"sentences":[{"text":"Look.","start":432.15,"end":432.39,"sentiment":"neutral","sentiment_score":-0.07919393479824066},{"text":"I mean,","start":432.39,"end":432.71,"sentiment":"neutral","sentiment_score":-0.07466532662510872}],"sentiment":"neutral","sentiment_score":-0.07617486268281937,"channel":1,"num_words":3,"start":432.15,"end":432.71},{"sentences":[{"text":"But","start":432.6,"end":433.1,"sentiment":"neutral","sentiment_score":-0.07317356765270233}],"sentiment":"neutral","sentiment_score":-0.07317356765270233,"channel":0,"num_words":1,"start":432.6,"end":433.1},{"sentences":[{"text":"I think, you know, paying $330 a year, even even though it's only 72,000 life cover?","start":432.71,"end":440.895,"sentiment":"neutral","sentiment_score":-0.0795572625938803},{"text":"And then how much is it per because I think it's","start":440.895,"end":444.59497,"sentiment":"neutral","sentiment_score":-0.04098614559254863}],"sentiment":"neutral","sentiment_score":-0.06384310381555999,"channel":1,"num_words":27,"start":432.71,"end":444.59497},{"sentences":[{"text":"A","start":444.875,"end":445.03497,"sentiment":"neutral","sentiment_score":-0.017896518111228943}],"sentiment":"neutral","sentiment_score":-0.017896518111228943,"channel":0,"num_words":1,"start":444.875,"end":445.03497},{"sentences":[{"text":"for","start":444.97498,"end":445.29498,"sentiment":"neutral","sentiment_score":-0.024696676060557365}],"sentiment":"neutral","sentiment_score":-0.024696676060557365,"channel":1,"num_words":1,"start":444.97498,"end":445.29498},{"sentences":[{"text":"thousand","start":445.03497,"end":445.35498,"sentiment":"neutral","sentiment_score":-0.031328387558460236}],"sentiment":"neutral","sentiment_score":-0.031328387558460236,"channel":0,"num_words":1,"start":445.03497,"end":445.35498},{"sentences":[{"text":"two","start":445.29498,"end":445.615,"sentiment":"neutral","sentiment_score":-0.03964319825172424}],"sentiment":"neutral","sentiment_score":-0.03964319825172424,"channel":1,"num_words":1,"start":445.29498,"end":445.615},{"sentences":[{"text":"dollars","start":445.35498,"end":445.675,"sentiment":"neutral","sentiment_score":-0.03104407899081707}],"sentiment":"neutral","sentiment_score":-0.03104407899081707,"channel":0,"num_words":1,"start":445.35498,"end":445.675},{"sentences":[{"text":"years,","start":445.615,"end":446.115,"sentiment":"neutral","sentiment_score":-0.03672223538160324}],"sentiment":"neutral","sentiment_score":-0.03672223538160324,"channel":1,"num_words":1,"start":445.615,"end":446.115},{"sentences":[{"text":"a month?","start":445.675,"end":446.335,"sentiment":"neutral","sentiment_score":-0.04290257208049297}],"sentiment":"neutral","sentiment_score":-0.04290257208049297,"channel":0,"num_words":2,"start":445.675,"end":446.335},{"sentences":[{"text":"a thousand dollars a month for two years.","start":446.41498,"end":448.59497,"sentiment":"neutral","sentiment_score":-0.0553573127835989}],"sentiment":"neutral","sentiment_score":-0.0553573127835989,"channel":1,"num_words":8,"start":446.41498,"end":448.59497},{"sentences":[{"text":"Yes.","start":449.03497,"end":449.43,"sentiment":"neutral","sentiment_score":0.01284765638411045}],"sentiment":"neutral","sentiment_score":0.01284765638411045,"channel":0,"num_words":1,"start":449.03497,"end":449.43},{"sentences":[{"text":"Yeah.","start":449.85498,"end":450.35498,"sentiment":"neutral","sentiment_score":0.00034295395016670227}],"sentiment":"neutral","sentiment_score":0.00034295395016670227,"channel":1,"num_words":1,"start":449.85498,"end":450.35498},{"sentences":[{"text":"After after ninety days, which means, essentially, you get your first payment day one twenty of being off work.","start":449.99,"end":456.57,"sentiment":"neutral","sentiment_score":-0.0683477247427953}],"sentiment":"neutral","sentiment_score":-0.0683477247427953,"channel":0,"num_words":19,"start":449.99,"end":456.57},{"sentences":[{"text":"Yep.","start":456.27,"end":456.77,"sentiment":"neutral","sentiment_score":0.0678880512714386},{"text":"Yep.","start":457.39,"end":457.79,"sentiment":"neutral","sentiment_score":0.11625176668167114},{"text":"That makes sense.","start":457.79,"end":458.85,"sentiment":"neutral","sentiment_score":0.18058224270741144}],"sentiment":"neutral","sentiment_score":0.14517730921506883,"channel":1,"num_words":5,"start":456.27,"end":458.85},{"sentences":[{"text":"So it's it's jack of you know, it's it's it's jackal in terms of cost.","start":460.94998,"end":465.905,"sentiment":"negative","sentiment_score":-0.4206620509425799},{"text":"It's not exactly covering anything much in terms of income, but it's sort of a something's better than nothing kind of position.","start":466.445,"end":476.225,"sentiment":"negative","sentiment_score":-0.3632150841030208}],"sentiment":"negative","sentiment_score":-0.38650439498392314,"channel":0,"num_words":37,"start":460.94998,"end":476.225},{"sentences":[{"text":"Exactly.","start":476.025,"end":476.525,"sentiment":"neutral","sentiment_score":0.0008972659707069397},{"text":"Yes.","start":476.825,"end":477.325,"sentiment":"neutral","sentiment_score":0.10325205326080322}],"sentiment":"neutral","sentiment_score":0.05207465961575508,"channel":1,"num_words":2,"start":476.025,"end":477.325},{"sentences":[{"text":"So there is that sort of avenue.","start":479.22,"end":482.18,"sentiment":"neutral","sentiment_score":0.12281244035278048},{"text":"Now that would essentially mean that if we want to keep that open, we'd kind of have Aware Super as literally just an insurance fund.","start":482.18,"end":488.5,"sentiment":"neutral","sentiment_score":0.17298862755298614},{"text":"So","start":488.5,"end":488.65997,"sentiment":"neutral","sentiment_score":0.11895963549613953}],"sentiment":"neutral","sentiment_score":0.16070795172091687,"channel":0,"num_words":33,"start":479.22,"end":488.65997},{"sentences":[{"text":"Yep.","start":488.61,"end":489.11,"sentiment":"neutral","sentiment_score":0.1821647137403488}],"sentiment":"neutral","sentiment_score":0.1821647137403488,"channel":1,"num_words":1,"start":488.61,"end":489.11},{"sentences":[{"text":"we'd keep a really small amount in the account.","start":488.65997,"end":490.84,"sentiment":"neutral","sentiment_score":0.19345586001873016},{"text":"It would just be an insurance holding account.","start":491.085,"end":493.325,"sentiment":"neutral","sentiment_score":0.12450535967946053},{"text":"So, basically, the money in the account pays the premiums, and that's about it.","start":493.325,"end":496.845,"sentiment":"neutral","sentiment_score":0.12804795163018362},{"text":"We still make","start":496.845,"end":497.325,"sentiment":"neutral","sentiment_score":0.22013649344444275}],"sentiment":"neutral","sentiment_score":0.15265371825765162,"channel":0,"num_words":34,"start":488.65997,"end":497.325},{"sentences":[{"text":"Yep.","start":497.265,"end":497.765,"sentiment":"neutral","sentiment_score":0.1965065896511078}],"sentiment":"neutral","sentiment_score":0.1965065896511078,"channel":1,"num_words":1,"start":497.265,"end":497.765},{"sentences":[{"text":"sure it's invested in a in a nice way to kind of still keep up with things, but we just keep that there as literally just a bank account to pay the insurance premiums.","start":497.325,"end":506.385,"sentiment":"neutral","sentiment_score":0.17271237842300358}],"sentiment":"neutral","sentiment_score":0.17271237842300358,"channel":0,"num_words":34,"start":497.325,"end":506.385},{"sentences":[{"text":"Yep.","start":506.58002,"end":506.98,"sentiment":"neutral","sentiment_score":0.032556746155023575},{"text":"No.","start":506.98,"end":507.22,"sentiment":"neutral","sentiment_score":-0.0724106878042221},{"text":"That makes","start":507.22,"end":507.78,"sentiment":"neutral","sentiment_score":-0.03960335999727249}],"sentiment":"neutral","sentiment_score":-0.02976516541093588,"channel":1,"num_words":4,"start":506.58002,"end":507.78},{"sentences":[{"text":"But","start":507.41998,"end":507.91998,"sentiment":"neutral","sentiment_score":-0.09821470081806184}],"sentiment":"neutral","sentiment_score":-0.09821470081806184,"channel":0,"num_words":1,"start":507.41998,"end":507.91998},{"sentences":[{"text":"sense.","start":507.78,"end":508.28,"sentiment":"neutral","sentiment_score":-0.11127746105194092}],"sentiment":"neutral","sentiment_score":-0.11127746105194092,"channel":1,"num_words":1,"start":507.78,"end":508.28},{"sentences":[{"text":"but it's kind of, I guess, a wider conversation as to whether do you want me to start, like, pushing a little bit harder in terms of other insurers and going down that line?","start":508.78,"end":517.58,"sentiment":"neutral","sentiment_score":-0.12368424817481462}],"sentiment":"neutral","sentiment_score":-0.12368424817481462,"channel":0,"num_words":34,"start":508.78,"end":517.58},{"sentences":[{"text":"Mhmm.","start":517.545,"end":518.045,"sentiment":"neutral","sentiment_score":0.00587698258459568}],"sentiment":"neutral","sentiment_score":0.00587698258459568,"channel":1,"num_words":1,"start":517.545,"end":518.045},{"sentences":[{"text":"And I'm still happy to, still have been, because it means kinda dragging you through it with me.","start":517.58,"end":523.705,"sentiment":"neutral","sentiment_score":0.19252049177885056},{"text":"Because there's only","start":523.84503,"end":524.885,"sentiment":"neutral","sentiment_score":-0.028278305505712826}],"sentiment":"neutral","sentiment_score":0.16097780645248436,"channel":0,"num_words":21,"start":517.58,"end":524.885},{"sentences":[{"text":"Yeah.","start":524.6625,"end":525.1625,"sentiment":"neutral","sentiment_score":-0.03857522830367088}],"sentiment":"neutral","sentiment_score":-0.03857522830367088,"channel":1,"num_words":1,"start":524.6625,"end":525.1625},{"sentences":[{"text":"a small there's only so much that I can do independently.","start":524.885,"end":527.945,"sentiment":"neutral","sentiment_score":-0.0828817913478071},{"text":"Because as you saw by the email, Zurich don't don't release everything to us.","start":528.085,"end":533.1,"sentiment":"neutral","sentiment_score":-0.11436703854373523}],"sentiment":"neutral","sentiment_score":-0.10051352977752685,"channel":0,"num_words":25,"start":524.885,"end":533.1},{"sentences":[{"text":"Yep.","start":533.30005,"end":533.78,"sentiment":"neutral","sentiment_score":-0.019081223756074905}],"sentiment":"neutral","sentiment_score":-0.019081223756074905,"channel":1,"num_words":1,"start":533.30005,"end":533.78},{"sentences":[{"text":"We","start":533.66,"end":534.06,"sentiment":"neutral","sentiment_score":-0.05475663021206856}],"sentiment":"neutral","sentiment_score":-0.05475663021206856,"channel":0,"num_words":1,"start":533.66,"end":534.06},{"sentences":[{"text":"And","start":533.78,"end":534.10004,"sentiment":"neutral","sentiment_score":-0.092595636844635}],"sentiment":"neutral","sentiment_score":-0.092595636844635,"channel":1,"num_words":1,"start":533.78,"end":534.10004},{"sentences":[{"text":"we","start":534.06,"end":534.38,"sentiment":"neutral","sentiment_score":-0.07631047070026398}],"sentiment":"neutral","sentiment_score":-0.07631047070026398,"channel":0,"num_words":1,"start":534.06,"end":534.38},{"sentences":[{"text":"and,","start":534.10004,"end":534.42004,"sentiment":"neutral","sentiment_score":-0.09664425253868104}],"sentiment":"neutral","sentiment_score":-0.09664425253868104,"channel":1,"num_words":1,"start":534.10004,"end":534.42004},{"sentences":[{"text":"don't","start":534.38,"end":534.88,"sentiment":"neutral","sentiment_score":-0.13294517993927002}],"sentiment":"neutral","sentiment_score":-0.13294517993927002,"channel":0,"num_words":1,"start":534.38,"end":534.88},{"sentences":[{"text":"I mean, the the concern is I know that if if an insurer one insurer has declined, then it's gonna be harder for another insurer to get in get it across the line with another insurer.","start":534.42004,"end":545.64,"sentiment":"negative","sentiment_score":-0.35246987889210385}],"sentiment":"negative","sentiment_score":-0.35246987889210385,"channel":1,"num_words":36,"start":534.42004,"end":545.64},{"sentences":[{"text":"It just depends on who their reinsurer is and what their back end requirements, PDF, like because there's there's a product disclosure statement, which is what we obviously read to make sure that the product is right for you.","start":546.445,"end":559.05,"sentiment":"neutral","sentiment_score":-0.07353393437388615},{"text":"But then an an insurer actually has a reinsurer, and what happens is the reinsurer sets rules and regulations for what can happen and what can't happen and what medicals they approve and what medicals they don't approve and this the the cross colonization of everything.","start":559.13,"end":573.53503,"sentiment":"neutral","sentiment_score":-0.1645405588914519},{"text":"Comorbidities","start":573.59503,"end":574.09503,"sentiment":"neutral","sentiment_score":-0.04873461276292801}],"sentiment":"neutral","sentiment_score":-0.12192353212036365,"channel":0,"num_words":86,"start":546.445,"end":574.09503},{"sentences":[{"text":"Yep.","start":574.195,"end":574.695,"sentiment":"neutral","sentiment_score":-0.014092667028307916}],"sentiment":"neutral","sentiment_score":-0.014092667028307916,"channel":1,"num_words":1,"start":574.195,"end":574.695},{"sentences":[{"text":"is what they refer to it as, and and what parameters they they do allow.","start":574.47504,"end":579.29504,"sentiment":"neutral","sentiment_score":-0.019242879499991736}],"sentiment":"neutral","sentiment_score":-0.019242879499991736,"channel":0,"num_words":15,"start":574.47504,"end":579.29504},{"sentences":[{"text":"Yep.","start":579.875,"end":580.375,"sentiment":"neutral","sentiment_score":-0.0038638513069599863}],"sentiment":"neutral","sentiment_score":-0.0038638513069599863,"channel":1,"num_words":1,"start":579.875,"end":580.375},{"sentences":[{"text":"So they all are different depending on who their reinsurer is.","start":580.155,"end":583.59,"sentiment":"neutral","sentiment_score":-0.0421271412210031}],"sentiment":"neutral","sentiment_score":-0.0421271412210031,"channel":0,"num_words":11,"start":580.155,"end":583.59},{"sentences":[{"text":"Yep.","start":583.955,"end":584.455,"sentiment":"neutral","sentiment_score":0.04466237872838974},{"text":"So, I mean, what I what I will do is I'll have a bit of a think about that.","start":584.755,"end":589.16,"sentiment":"neutral","sentiment_score":0.03949406233273054},{"text":"I'm gonna speak to a colleague of mine.","start":589.16,"end":591.16,"sentiment":"neutral","sentiment_score":0.03791109565645456},{"text":"I mean, I've got a psychiatrist colleague.","start":591.16,"end":593.66,"sentiment":"neutral","sentiment_score":0.04331799117582185},{"text":"We studied together in South Africa.","start":593.72,"end":595.82,"sentiment":"neutral","sentiment_score":0.030598980995515983}],"sentiment":"neutral","sentiment_score":0.03866239396355501,"channel":1,"num_words":41,"start":583.955,"end":595.82},{"sentences":[{"text":"She's also","start":595.88,"end":596.36,"sentiment":"neutral","sentiment_score":0.006831664592027664}],"sentiment":"neutral","sentiment_score":0.006831664592027664,"channel":1,"num_words":2,"start":595.88,"end":596.36},{"sentences":[{"text":"Yeah.","start":596.355,"end":596.855,"sentiment":"neutral","sentiment_score":0.00016728881746530533}],"sentiment":"neutral","sentiment_score":0.00016728881746530533,"channel":0,"num_words":1,"start":596.355,"end":596.855},{"sentences":[{"text":"in Australia.","start":596.36,"end":597.1,"sentiment":"neutral","sentiment_score":-0.0020162854343652725},{"text":"She had renal cancer,","start":598.04,"end":600.46,"sentiment":"neutral","sentiment_score":-0.052485221065580845}],"sentiment":"neutral","sentiment_score":-0.03566224252184232,"channel":1,"num_words":6,"start":596.36,"end":600.46},{"sentences":[{"text":"Yep.","start":601.315,"end":601.815,"sentiment":"neutral","sentiment_score":-0.007855045609176159}],"sentiment":"neutral","sentiment_score":-0.007855045609176159,"channel":0,"num_words":1,"start":601.315,"end":601.815},{"sentences":[{"text":"And she was actually in the last six months, she was able to get to get TPD cover.","start":601.425,"end":608.885,"sentiment":"neutral","sentiment_score":0.04213792313304213},{"text":"So, I mean, I can you know, when I next see her, just sort of explore how she went about that and which insurer that was.","start":609.665,"end":617.2,"sentiment":"neutral","sentiment_score":0.010094247471827727},{"text":"I mean, after renal cancer, getting getting TPD insurances, obviously, you know, that's a miracle.","start":617.2,"end":623.86,"sentiment":"neutral","sentiment_score":0.05043460043768088}],"sentiment":"neutral","sentiment_score":0.03012630605470326,"channel":1,"num_words":59,"start":601.425,"end":623.86},{"sentences":[{"text":"Yeah.","start":624.385,"end":624.885,"sentiment":"neutral","sentiment_score":0.009542174637317656},{"text":"Do you know when she had cancer last?","start":624.905,"end":626.945,"sentiment":"neutral","sentiment_score":-0.03418265236541629},{"text":"Because, generally, it's a five to ten year rule with any","start":626.945,"end":630.705,"sentiment":"neutral","sentiment_score":-0.06315299157391895}],"sentiment":"neutral","sentiment_score":-0.04793009757995605,"channel":0,"num_words":20,"start":624.385,"end":630.705},{"sentences":[{"text":"I","start":630.53503,"end":631.03503,"sentiment":"neutral","sentiment_score":-0.08461013436317444}],"sentiment":"neutral","sentiment_score":-0.08461013436317444,"channel":1,"num_words":1,"start":630.53503,"end":631.03503},{"sentences":[{"text":"kind of cancer.","start":630.705,"end":631.525,"sentiment":"neutral","sentiment_score":-0.10271728535493214}],"sentiment":"neutral","sentiment_score":-0.10271728535493214,"channel":0,"num_words":3,"start":630.705,"end":631.525},{"sentences":[{"text":"I don't remember when,","start":631.09503,"end":633.275,"sentiment":"neutral","sentiment_score":-0.0363824712112546}],"sentiment":"neutral","sentiment_score":-0.0363824712112546,"channel":1,"num_words":4,"start":631.09503,"end":633.275},{"sentences":[{"text":"Yeah.","start":633.745,"end":634.245,"sentiment":"neutral","sentiment_score":0.014800501987338066}],"sentiment":"neutral","sentiment_score":0.014800501987338066,"channel":0,"num_words":1,"start":633.745,"end":634.245},{"sentences":[{"text":"but I know that she was able because I spoke to her about three, four weeks ago, and, yeah, she was able to to get insured.","start":635.09503,"end":642.715,"sentiment":"neutral","sentiment_score":0.19303944878853285}],"sentiment":"neutral","sentiment_score":0.19303944878853285,"channel":1,"num_words":26,"start":635.09503,"end":642.715},{"sentences":[{"text":"Yep.","start":643.37006,"end":643.87006,"sentiment":"neutral","sentiment_score":0.13388758897781372},{"text":"Okay.","start":645.05005,"end":645.55005,"sentiment":"neutral","sentiment_score":0.14709800481796265},{"text":"Yeah.","start":645.61005,"end":645.93005,"sentiment":"neutral","sentiment_score":0.1714567244052887},{"text":"Well, if you're able to find out and even if you just flick an email through the","start":645.93005,"end":649.77,"sentiment":"neutral","sentiment_score":0.16462066857253804}],"sentiment":"neutral","sentiment_score":0.1625496841967106,"channel":0,"num_words":20,"start":643.37006,"end":649.77},{"sentences":[{"text":"Yeah.","start":649.72003,"end":650.22003,"sentiment":"neutral","sentiment_score":0.15719693899154663}],"sentiment":"neutral","sentiment_score":0.15719693899154663,"channel":1,"num_words":1,"start":649.72003,"end":650.22003},{"sentences":[{"text":"to to Jack, and Jack will pass it along and let me know.","start":649.93005,"end":652.51,"sentiment":"neutral","sentiment_score":0.1905739582501925}],"sentiment":"neutral","sentiment_score":0.1905739582501925,"channel":0,"num_words":13,"start":649.93005,"end":652.51},{"sentences":[{"text":"Yep.","start":652.44,"end":652.94,"sentiment":"neutral","sentiment_score":0.2275707721710205}],"sentiment":"neutral","sentiment_score":0.2275707721710205,"channel":1,"num_words":1,"start":652.44,"end":652.94},{"sentences":[{"text":"Absolutely.","start":652.91504,"end":653.41504,"sentiment":"neutral","sentiment_score":0.2204151600599289}],"sentiment":"neutral","sentiment_score":0.2204151600599289,"channel":0,"num_words":1,"start":652.91504,"end":653.41504},{"sentences":[{"text":"Yeah.","start":653.48004,"end":653.88,"sentiment":"neutral","sentiment_score":0.11436472833156586},{"text":"So let me have a bit of a chat to her and have a bit of a think about the options.","start":653.88,"end":657.82,"sentiment":"neutral","sentiment_score":0.1248223948336783}],"sentiment":"neutral","sentiment_score":0.12434704635630954,"channel":1,"num_words":22,"start":653.48004,"end":657.82},{"sentences":[{"text":"Okay.","start":658.35504,"end":658.755,"sentiment":"neutral","sentiment_score":0.11142927408218384},{"text":"And I'll continue on with my plotting and and research on my side as well.","start":658.755,"end":665.255,"sentiment":"neutral","sentiment_score":0.1280637929836909}],"sentiment":"neutral","sentiment_score":0.1270241355523467,"channel":0,"num_words":16,"start":658.35504,"end":665.255},{"sentences":[{"text":"Excellent.","start":665.525,"end":666.005,"sentiment":"positive","sentiment_score":0.7115063667297363},{"text":"I mean, do you know of any insurers where you've had good outcomes with?","start":666.005,"end":670.71,"sentiment":"neutral","sentiment_score":0.33180982619524}],"sentiment":"positive","sentiment_score":0.35712292889753977,"channel":1,"num_words":15,"start":665.525,"end":670.71},{"sentences":[{"text":"The issue is is each medical like, I'd love to say yes, but each medical case is different.","start":671.82996,"end":675.85,"sentiment":"neutral","sentiment_score":-0.20560377422306272},{"text":"Like, you're not you're not the most complex health case I've come across.","start":675.91,"end":680.38995,"sentiment":"neutral","sentiment_score":-0.2659269238893802}],"sentiment":"neutral","sentiment_score":-0.23090057892184104,"channel":0,"num_words":31,"start":671.82996,"end":680.38995},{"sentences":[{"text":"Yeah.","start":680.07,"end":680.57,"sentiment":"neutral","sentiment_score":-0.15490873157978058}],"sentiment":"neutral","sentiment_score":-0.15490873157978058,"channel":1,"num_words":1,"start":680.07,"end":680.57},{"sentences":[{"text":"I've had I've had plenty more complex.","start":680.38995,"end":682.81,"sentiment":"neutral","sentiment_score":-0.2206419344459261},{"text":"Honestly, like, it it it it just depends on how everything connects together and whether one thing links to another that creates a thing and a thing, and it and it just spirals down from there.","start":684.795,"end":695.13,"sentiment":"neutral","sentiment_score":-0.2480694262517823}],"sentiment":"neutral","sentiment_score":-0.2436044857252476,"channel":0,"num_words":43,"start":680.38995,"end":695.13},{"sentences":[{"text":"Yep.","start":695.21497,"end":695.71497,"sentiment":"neutral","sentiment_score":-0.02919822931289673},{"text":"Mhmm.","start":696.0,"end":696.5,"sentiment":"neutral","sentiment_score":-0.04572276771068573}],"sentiment":"neutral","sentiment_score":-0.03746049851179123,"channel":1,"num_words":2,"start":695.21497,"end":696.5},{"sentences":[{"text":"Like, I've I've I've I've gotten ex cancer patients insurance in the past.","start":696.41003,"end":700.89,"sentiment":"neutral","sentiment_score":-0.16275362097300017},{"text":"I've I've been in the industry for over a decade.","start":700.89,"end":702.83,"sentiment":"neutral","sentiment_score":-0.08191368542611599},{"text":"So I've I've seen the changes as they've kinda gone through over the last ten years, but it's just it's it's how long space is doing, really.","start":703.13,"end":710.435,"sentiment":"neutral","sentiment_score":-0.1668695459763209}],"sentiment":"neutral","sentiment_score":-0.14880823336541651,"channel":0,"num_words":50,"start":696.41003,"end":710.435},{"sentences":[{"text":"Yep.","start":710.48,"end":710.8,"sentiment":"neutral","sentiment_score":-0.002144451020285487},{"text":"Yep.","start":710.8,"end":711.3,"sentiment":"neutral","sentiment_score":0.006762220524251461},{"text":"Okay.","start":711.89496,"end":712.21497,"sentiment":"neutral","sentiment_score":0.01574087142944336},{"text":"So I'll I'll explore that.","start":712.21497,"end":714.535,"sentiment":"neutral","sentiment_score":0.009632978588342667},{"text":"I mean, I'm not gonna see her again.","start":714.535,"end":715.975,"sentiment":"neutral","sentiment_score":-0.1231386256404221}],"sentiment":"neutral","sentiment_score":-0.057286591953015886,"channel":1,"num_words":16,"start":710.48,"end":715.975},{"sentences":[{"text":"I mean, we've got a meeting together probably in the next three weeks.","start":715.975,"end":719.675,"sentiment":"neutral","sentiment_score":-0.04873322322964668},{"text":"So I will speak to her and let you know.","start":721.175,"end":724.05,"sentiment":"neutral","sentiment_score":0.0010760704055428505}],"sentiment":"neutral","sentiment_score":-0.027077008605651234,"channel":1,"num_words":23,"start":715.975,"end":724.05},{"sentences":[{"text":"Yeah.","start":724.67004,"end":724.83,"sentiment":"neutral","sentiment_score":0.05061560869216919},{"text":"Yeah.","start":724.83,"end":725.07,"sentiment":"neutral","sentiment_score":0.10536465048789978},{"text":"Absolutely.","start":725.07,"end":725.57,"sentiment":"neutral","sentiment_score":0.2546827495098114},{"text":"Sounds like a plan.","start":725.71,"end":726.67004,"sentiment":"neutral","sentiment_score":0.28806260228157043},{"text":"Well, I'll put in my calendar to touch base with you in sort of four weeks or so.","start":726.67004,"end":732.21,"sentiment":"neutral","sentiment_score":0.09729854700465997}],"sentiment":"neutral","sentiment_score":0.13257149055600168,"channel":0,"num_words":25,"start":724.67004,"end":732.21},{"sentences":[{"text":"Yep.","start":732.37,"end":732.87,"sentiment":"neutral","sentiment_score":0.03159231320023537}],"sentiment":"neutral","sentiment_score":0.03159231320023537,"channel":1,"num_words":1,"start":732.37,"end":732.87},{"sentences":[{"text":"But I guess how do you wanna do you want me to just put things things on hold for now and obviously not move in any direction and just kind of hold and wait?","start":733.47003,"end":743.285,"sentiment":"neutral","sentiment_score":-0.15370284919353092},{"text":"I'll do my thing, you do your thing, and we'll reconvene","start":743.285,"end":746.105,"sentiment":"neutral","sentiment_score":0.0006431385197422719}],"sentiment":"neutral","sentiment_score":-0.11597382997473081,"channel":0,"num_words":45,"start":733.47003,"end":746.105},{"sentences":[{"text":"I mean,","start":745.905,"end":746.30505,"sentiment":"neutral","sentiment_score":-0.016390454955399036}],"sentiment":"neutral","sentiment_score":-0.016390454955399036,"channel":1,"num_words":2,"start":745.905,"end":746.30505},{"sentences":[{"text":"in","start":746.245,"end":746.64496,"sentiment":"neutral","sentiment_score":-0.029951751232147217}],"sentiment":"neutral","sentiment_score":-0.029951751232147217,"channel":0,"num_words":1,"start":746.245,"end":746.64496},{"sentences":[{"text":"unless","start":746.30505,"end":746.78503,"sentiment":"neutral","sentiment_score":-0.03617540001869202}],"sentiment":"neutral","sentiment_score":-0.03617540001869202,"channel":1,"num_words":1,"start":746.30505,"end":746.78503},{"sentences":[{"text":"three","start":746.64496,"end":746.88495,"sentiment":"neutral","sentiment_score":-0.055115532130002975}],"sentiment":"neutral","sentiment_score":-0.055115532130002975,"channel":0,"num_words":1,"start":746.64496,"end":746.88495},{"sentences":[{"text":"unless","start":746.78503,"end":747.28503,"sentiment":"neutral","sentiment_score":-0.056922607123851776}],"sentiment":"neutral","sentiment_score":-0.056922607123851776,"channel":1,"num_words":1,"start":746.78503,"end":747.28503},{"sentences":[{"text":"or four?","start":746.88495,"end":747.545,"sentiment":"neutral","sentiment_score":-0.03955142945051193}],"sentiment":"neutral","sentiment_score":-0.03955142945051193,"channel":0,"num_words":2,"start":746.88495,"end":747.545},{"sentences":[{"text":"you unless you know of any insurers that could be explored","start":749.025,"end":753.205,"sentiment":"neutral","sentiment_score":-0.005910504948009144}],"sentiment":"neutral","sentiment_score":-0.005910504948009144,"channel":1,"num_words":11,"start":749.025,"end":753.205},{"sentences":[{"text":"Mine's just a look at them all type of approach,","start":754.99,"end":758.05,"sentiment":"neutral","sentiment_score":-0.008526802994310856}],"sentiment":"neutral","sentiment_score":-0.008526802994310856,"channel":0,"num_words":10,"start":754.99,"end":758.05},{"sentences":[{"text":"Yeah.","start":757.63,"end":758.13,"sentiment":"neutral","sentiment_score":0.02460046112537384}],"sentiment":"neutral","sentiment_score":0.02460046112537384,"channel":1,"num_words":1,"start":757.63,"end":758.13},{"sentences":[{"text":"not a I'm gonna pick that one.","start":758.67,"end":760.27,"sentiment":"neutral","sentiment_score":-0.07164114500795092},{"text":"Don't be wrong.","start":760.27,"end":760.83,"sentiment":"neutral","sentiment_score":-0.010316108663876852},{"text":"I can generally go I'm gonna pick that one, but this is definitely gonna be an I'm exploring all because I'm dealing with complex health history.","start":760.83,"end":768.745,"sentiment":"neutral","sentiment_score":0.2413071782256548},{"text":"It's it's not like I'm just dealing with cancer.","start":769.76495,"end":772.56494,"sentiment":"neutral","sentiment_score":-0.15227282047271729},{"text":"Will I know that this insurer is more lenient for x cancer patients?","start":772.56494,"end":776.425,"sentiment":"neutral","sentiment_score":-0.0738908416376664}],"sentiment":"neutral","sentiment_score":0.058801964953027926,"channel":0,"num_words":58,"start":758.67,"end":776.425},{"sentences":[{"text":"That's","start":776.805,"end":777.305,"sentiment":"neutral","sentiment_score":0.07589580118656158}],"sentiment":"neutral","sentiment_score":0.07589580118656158,"channel":0,"num_words":1,"start":776.805,"end":777.305},{"sentences":[{"text":"Yeah.","start":776.885,"end":777.385,"sentiment":"neutral","sentiment_score":0.286308228969574}],"sentiment":"neutral","sentiment_score":0.286308228969574,"channel":1,"num_words":1,"start":776.885,"end":777.385},{"sentences":[{"text":"that's the direction I'm going.","start":777.56,"end":779.0,"sentiment":"positive","sentiment_score":0.4120723843574524},{"text":"It's I'm multilayered, and I've had one other client who's had tuberculosis in my ten years.","start":779.0,"end":785.0,"sentiment":"neutral","sentiment_score":0.0359170944429934},{"text":"So","start":785.0,"end":785.5,"sentiment":"neutral","sentiment_score":0.03218763321638107}],"sentiment":"neutral","sentiment_score":0.12123741209506989,"channel":0,"num_words":22,"start":777.56,"end":785.5},{"sentences":[{"text":"Okay.","start":785.38995,"end":785.88995,"sentiment":"neutral","sentiment_score":0.030818304046988487}],"sentiment":"neutral","sentiment_score":0.030818304046988487,"channel":1,"num_words":1,"start":785.38995,"end":785.88995},{"sentences":[{"text":"not not something that I commonly come across.","start":786.12,"end":788.54,"sentiment":"neutral","sentiment_score":-0.05262609897181392}],"sentiment":"neutral","sentiment_score":-0.05262609897181392,"channel":0,"num_words":8,"start":786.12,"end":788.54},{"sentences":[{"text":"Not in Australia.","start":788.58997,"end":789.73,"sentiment":"neutral","sentiment_score":-0.11832357446352641},{"text":"No.","start":789.87,"end":790.18994,"sentiment":"neutral","sentiment_score":-0.12606269121170044},{"text":"But","start":790.18994,"end":790.68994,"sentiment":"neutral","sentiment_score":-0.11290224641561508}],"sentiment":"neutral","sentiment_score":-0.11878713220357895,"channel":1,"num_words":5,"start":788.58997,"end":790.68994},{"sentences":[{"text":"No.","start":790.83997,"end":791.33997,"sentiment":"neutral","sentiment_score":-0.1194426491856575}],"sentiment":"neutral","sentiment_score":-0.1194426491856575,"channel":0,"num_words":1,"start":790.83997,"end":791.33997},{"sentences":[{"text":"definitely in South Africa.","start":791.06995,"end":792.44995,"sentiment":"neutral","sentiment_score":-0.08543724939227104},{"text":"Look.","start":794.195,"end":794.355,"sentiment":"neutral","sentiment_score":0.04174076020717621},{"text":"I think let's do the following.","start":794.355,"end":795.71497,"sentiment":"neutral","sentiment_score":0.11324401199817657},{"text":"If you can explore other options, and then maybe in about four weeks, if we can have a follow-up phone call.","start":795.71497,"end":802.295,"sentiment":"neutral","sentiment_score":0.12460863572501}],"sentiment":"neutral","sentiment_score":0.0936324120266363,"channel":1,"num_words":32,"start":791.06995,"end":802.295},{"sentences":[{"text":"Yeah.","start":802.425,"end":802.925,"sentiment":"neutral","sentiment_score":0.16043239831924438},{"text":"Absolutely.","start":803.06494,"end":803.56494,"sentiment":"neutral","sentiment_score":0.20475515723228457}],"sentiment":"neutral","sentiment_score":0.18259377777576447,"channel":0,"num_words":2,"start":802.425,"end":803.56494},{"sentences":[{"text":"In four but in four weeks, I'm gonna be in South Africa.","start":803.955,"end":807.095,"sentiment":"neutral","sentiment_score":0.08915919810533524},{"text":"So let me just open up my calendar.","start":807.49,"end":809.83,"sentiment":"neutral","sentiment_score":0.1026545288041234}],"sentiment":"neutral","sentiment_score":0.09455733038485051,"channel":1,"num_words":20,"start":803.955,"end":809.83},{"sentences":[{"text":"Let's do that.","start":810.56,"end":811.62,"sentiment":"neutral","sentiment_score":0.09905512382586797}],"sentiment":"neutral","sentiment_score":0.09905512382586797,"channel":0,"num_words":3,"start":810.56,"end":811.62},{"sentences":[{"text":"Let me just see.","start":813.09,"end":814.39,"sentiment":"neutral","sentiment_score":0.0625116378068924},{"text":"So four weeks is gonna take us to the October 12.","start":818.37,"end":822.70496,"sentiment":"neutral","sentiment_score":0.07505539161237804},{"text":"I'm actually back.","start":823.08496,"end":824.445,"sentiment":"neutral","sentiment_score":0.07310218860705693},{"text":"I'm flying back on the Sunday, but I'm probably gonna be very jet lagged.","start":824.445,"end":828.545,"sentiment":"neutral","sentiment_score":0.003632661620421069}],"sentiment":"neutral","sentiment_score":0.042056865233462304,"channel":1,"num_words":32,"start":813.09,"end":828.545},{"sentences":[{"text":"Yeah.","start":829.135,"end":829.635,"sentiment":"neutral","sentiment_score":0.04756110906600952},{"text":"Do you wanna","start":830.49506,"end":830.895,"sentiment":"neutral","sentiment_score":0.0317283533513546}],"sentiment":"neutral","sentiment_score":0.03568654228001833,"channel":0,"num_words":4,"start":829.135,"end":830.895},{"sentences":[{"text":"Then","start":830.685,"end":830.925,"sentiment":"neutral","sentiment_score":0.03238752856850624}],"sentiment":"neutral","sentiment_score":0.03238752856850624,"channel":1,"num_words":1,"start":830.685,"end":830.925},{"sentences":[{"text":"do the thirteenth?","start":830.895,"end":831.79504,"sentiment":"neutral","sentiment_score":0.04431454216440519}],"sentiment":"neutral","sentiment_score":0.04431454216440519,"channel":0,"num_words":3,"start":830.895,"end":831.79504},{"sentences":[{"text":"well, how about the Wednesday, October 14?","start":832.445,"end":838.53,"sentiment":"neutral","sentiment_score":0.04202226655823844}],"sentiment":"neutral","sentiment_score":0.04202226655823844,"channel":1,"num_words":7,"start":832.445,"end":838.53},{"sentences":[{"text":"Sold.","start":839.14,"end":839.62,"sentiment":"neutral","sentiment_score":0.03700624406337738},{"text":"First thing in the morning?","start":839.62,"end":840.68,"sentiment":"neutral","sentiment_score":0.039623303711414336}],"sentiment":"neutral","sentiment_score":0.03918712710340818,"channel":0,"num_words":6,"start":839.14,"end":840.68},{"sentences":[{"text":"Yep.","start":841.55,"end":841.95,"sentiment":"neutral","sentiment_score":0.04518657177686691},{"text":"What time?","start":841.95,"end":842.77,"sentiment":"neutral","sentiment_score":0.01815488375723362}],"sentiment":"neutral","sentiment_score":0.027165446430444717,"channel":1,"num_words":3,"start":841.55,"end":842.77},{"sentences":[{"text":"You let me know.","start":843.46,"end":844.34,"sentiment":"neutral","sentiment_score":0.013931399211287498},{"text":"I'm basically in from, like, 6AM.","start":844.34,"end":846.79504,"sentiment":"neutral","sentiment_score":0.01625918100277583},{"text":"Not that I generally wanna talk to anyone at that time in the morning, but","start":846.79504,"end":849.53503,"sentiment":"neutral","sentiment_score":0.0016079995781183242}],"sentiment":"neutral","sentiment_score":0.007096027061343193,"channel":0,"num_words":25,"start":843.46,"end":849.53503},{"sentences":[{"text":"So","start":850.33496,"end":850.83496,"sentiment":"neutral","sentiment_score":0.03863425552845001}],"sentiment":"neutral","sentiment_score":0.03863425552845001,"channel":1,"num_words":1,"start":850.33496,"end":850.83496},{"sentences":[{"text":"Oh, wow.","start":850.635,"end":851.375,"sentiment":"neutral","sentiment_score":0.06979916989803314}],"sentiment":"neutral","sentiment_score":0.06979916989803314,"channel":0,"num_words":2,"start":850.635,"end":851.375},{"sentences":[{"text":"shall","start":851.21497,"end":851.45496,"sentiment":"neutral","sentiment_score":0.03437638282775879}],"sentiment":"neutral","sentiment_score":0.03437638282775879,"channel":1,"num_words":1,"start":851.21497,"end":851.45496},{"sentences":[{"text":"Okay.","start":851.435,"end":851.935,"sentiment":"neutral","sentiment_score":0.03738265484571457}],"sentiment":"neutral","sentiment_score":0.03738265484571457,"channel":0,"num_words":1,"start":851.435,"end":851.935},{"sentences":[{"text":"we say 08:30 then?","start":851.45496,"end":854.27496,"sentiment":"neutral","sentiment_score":0.04452571924775839}],"sentiment":"neutral","sentiment_score":0.04452571924775839,"channel":1,"num_words":4,"start":851.45496,"end":854.27496},{"sentences":[{"text":"Sounds perfect.","start":854.79504,"end":855.61505,"sentiment":"neutral","sentiment_score":0.318250373005867}],"sentiment":"neutral","sentiment_score":0.318250373005867,"channel":0,"num_words":2,"start":854.79504,"end":855.61505},{"sentences":[{"text":"Okay.","start":856.89496,"end":857.21497,"sentiment":"neutral","sentiment_score":0.1165962666273117},{"text":"Let me just see.","start":857.21497,"end":858.27496,"sentiment":"neutral","sentiment_score":0.09487070143222809},{"text":"That's 08:30.","start":858.57495,"end":860.435,"sentiment":"neutral","sentiment_score":0.05010712891817093},{"text":"So Wednesday, October 14.","start":864.51996,"end":867.17993,"sentiment":"neutral","sentiment_score":0.040173500776290894},{"text":"Let me just but for some reason, it's not saving.","start":868.36,"end":872.86,"sentiment":"neutral","sentiment_score":-0.10913670063018799}],"sentiment":"neutral","sentiment_score":-0.015922841571626208,"channel":1,"num_words":21,"start":856.89496,"end":872.86},{"sentences":[{"text":"Do you want me to just do this and I can invite you to it so that way it pops","start":874.72,"end":878.535,"sentiment":"neutral","sentiment_score":0.11206297893077136}],"sentiment":"neutral","sentiment_score":0.11206297893077136,"channel":0,"num_words":20,"start":874.72,"end":878.535},{"sentences":[{"text":"Yep.","start":878.44,"end":878.94,"sentiment":"neutral","sentiment_score":0.1280001699924469}],"sentiment":"neutral","sentiment_score":0.1280001699924469,"channel":1,"num_words":1,"start":878.44,"end":878.94},{"sentences":[{"text":"up in both of our calendars?","start":878.535,"end":879.735,"sentiment":"neutral","sentiment_score":0.110700028638045}],"sentiment":"neutral","sentiment_score":0.110700028638045,"channel":0,"num_words":6,"start":878.535,"end":879.735},{"sentences":[{"text":"I think","start":879.335,"end":880.055,"sentiment":"neutral","sentiment_score":0.2547845244407654}],"sentiment":"neutral","sentiment_score":0.2547845244407654,"channel":1,"num_words":2,"start":879.335,"end":880.055},{"sentences":[{"text":"Yep.","start":879.735,"end":880.235,"sentiment":"neutral","sentiment_score":0.2822703421115875}],"sentiment":"neutral","sentiment_score":0.2822703421115875,"channel":0,"num_words":1,"start":879.735,"end":880.235},{"sentences":[{"text":"I think that's gonna probably be the best,","start":880.055,"end":882.79504,"sentiment":"positive","sentiment_score":0.4004012197256088}],"sentiment":"positive","sentiment_score":0.4004012197256088,"channel":1,"num_words":8,"start":880.055,"end":882.79504},{"sentences":[{"text":"Done.","start":884.295,"end":884.795,"sentiment":"neutral","sentiment_score":0.32632172107696533}],"sentiment":"neutral","sentiment_score":0.32632172107696533,"channel":0,"num_words":1,"start":884.295,"end":884.795},{"sentences":[{"text":"but I am saving it on my phone.","start":884.695,"end":887.015,"sentiment":"neutral","sentiment_score":0.1686774054542184},{"text":"So October 14 at 08:30.","start":887.015,"end":889.255,"sentiment":"neutral","sentiment_score":0.10857197046279907},{"text":"So I've now saved it, but please send me an email as well.","start":889.255,"end":892.44,"sentiment":"neutral","sentiment_score":0.15809954817478472}],"sentiment":"neutral","sentiment_score":0.15182973931615168,"channel":1,"num_words":26,"start":884.695,"end":892.44},{"sentences":[{"text":"Done.","start":893.94995,"end":894.44995,"sentiment":"neutral","sentiment_score":0.05158200487494469},{"text":"I will invite you into it so that way it has a whole thing and I guess I know how to do that.","start":895.79,"end":902.85,"sentiment":"positive","sentiment_score":0.3464439375245053}],"sentiment":"positive","sentiment_score":0.3341580236641069,"channel":0,"num_words":24,"start":893.94995,"end":902.85},{"sentences":[{"text":"Excellent.","start":903.4,"end":903.9,"sentiment":"positive","sentiment_score":0.8675683736801147}],"sentiment":"positive","sentiment_score":0.8675683736801147,"channel":1,"num_words":1,"start":903.4,"end":903.9},{"sentences":[{"text":"Amazing.","start":906.105,"end":906.605,"sentiment":"positive","sentiment_score":0.8278343081474304},{"text":"Alright.","start":906.745,"end":907.145,"sentiment":"positive","sentiment_score":0.5497294664382935},{"text":"I will talk to you then then.","start":907.145,"end":908.845,"sentiment":"positive","sentiment_score":0.48161726338522776}],"sentiment":"positive","sentiment_score":0.5276538464758131,"channel":0,"num_words":9,"start":906.105,"end":908.845},{"sentences":[{"text":"Right.","start":908.733,"end":909.13293,"sentiment":"positive","sentiment_score":0.468511164188385},{"text":"Thank you so much for your help.","start":909.13293,"end":910.83295,"sentiment":"positive","sentiment_score":0.8345539229256767}],"sentiment":"positive","sentiment_score":0.7887985780835152,"channel":1,"num_words":8,"start":908.733,"end":910.83295},{"sentences":[{"text":"That's okay, Peter.","start":910.985,"end":912.025,"sentiment":"positive","sentiment_score":0.44607508182525635},{"text":"Speak soon.","start":912.025,"end":912.845,"sentiment":"neutral","sentiment_score":0.28622280806303024}],"sentiment":"positive","sentiment_score":0.3821341723203659,"channel":0,"num_words":5,"start":910.985,"end":912.845},{"sentences":[{"text":"Thanks.","start":912.41296,"end":912.91296,"sentiment":"positive","sentiment_score":0.6002767086029053},{"text":"Okay.","start":913.13293,"end":913.53296,"sentiment":"neutral","sentiment_score":0.2466442883014679},{"text":"Bye","start":913.53296,"end":913.77295,"sentiment":"neutral","sentiment_score":0.19464151561260223}],"sentiment":"positive","sentiment_score":0.34718750417232513,"channel":1,"num_words":3,"start":912.41296,"end":913.77295},{"sentences":[{"text":"Bye.","start":913.545,"end":914.045,"sentiment":"neutral","sentiment_score":0.1915234327316284}],"sentiment":"neutral","sentiment_score":0.1915234327316284,"channel":0,"num_words":1,"start":913.545,"end":914.045},{"sentences":[{"text":"bye.","start":913.77295,"end":914.27295,"sentiment":"neutral","sentiment_score":-0.1193554475903511}],"sentiment":"neutral","sentiment_score":-0.1193554475903511,"channel":1,"num_words":1,"start":913.77295,"end":914.27295}]},"summary":{"result":"success","short":"A representative from Oess Financial contacts Peter to discuss his medical appointment and insurance coverage options. The customer is given two coverage options, one for life cover and one for income protection, with the option to pay a small amount in a small account to cover insurance premiums. The agent will explore other insurers and cautious medical history, and plans to follow up with the customer in four weeks to explore all options."},"intents":{"segments":[{"text":"There's the premiums to to to pay for that insurance is, you know, $330 a year, but Mhmm.","start_word":980,"end_word":997,"intents":[{"intent":"Discuss insurance pricing decisions","confidence_score":5.7730524e-8}]},{"text":"It just depends on who their reinsurer is and what their back end requirements, PDF, like because there's there's a product disclosure statement, which is what we obviously read to make sure that the product is right for you.","start_word":1352,"end_word":1390,"intents":[{"intent":"Share product information","confidence_score":0.0003033929}]},{"text":"So let me have a bit of a chat to her and have a bit of a think about the options. Okay.","start_word":1668,"end_word":1689,"intents":[{"intent":"Discuss insurance options","confidence_score":0.020479172},{"intent":"Discuss insurance options","confidence_score":0.09649313}]},{"text":"The issue is is each medical like, I'd love to say yes, but each medical case is different. Like, you're not you're not the most complex health case I've come across. Yeah.","start_word":1720,"end_word":1751,"intents":[{"intent":"Explore medical cases","confidence_score":0.09288111}]},{"text":"If you can explore other options, and then maybe in about four weeks, if we can have a follow-up phone call. Yeah.","start_word":2095,"end_word":2116,"intents":[{"intent":"Schedule phone call","confidence_score":0.482196}]}]},"sentiments":{"segments":[{"text":"Hello. Peter speaking. Hi, Hi. Peter. Larissa from Ophi Financial. How are you going?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.12897752225399017},{"text":"Yes. Good. Thanks. Yourself?","start_word":14,"end_word":17,"sentiment":"positive","sentiment_score":0.4523564875125885},{"text":"Not bad. It's been a day, but we're sitting down with a cold coffee that I think I made five hours ago and living Well, life.","start_word":18,"end_word":43,"sentiment":"neutral","sentiment_score":0.1811669170856476},{"text":"that's exactly how my day go is going.","start_word":44,"end_word":51,"sentiment":"positive","sentiment_score":0.4643087089061737},{"text":"I describe it as to Nobles. I've actually moved appointments appointments around, and I've still got patients booked in. I was gonna finish, but somebody has booked in appointments for me now. I've got somebody at quarter to five, and I'm only gonna finish probably at seven. Oh, I'm with you there. Right with you there. I really am. Well, I will keep it short and sharp for you. Yes. I call before I jump into it, though, I do need to let you know our calls are recorded. And if I could get you to confirm security for me, it is full name, date of birth, and address. Yeah. Full name, Peter Johannes Herta. Date of birth, 01/18/1977, and the address is 11 Morehouse Street, Richmond, Victoria 3121. Perfect. Alright. So the reason of my call and you I I know that you were cc'd in on the email from the insurer, but Yes. it is to touch base with regards to the insurance application that we sent Yeah. through to OnePath Zurich. Yeah. So they've come back with post post the medical side of things and and an analysis that they are only willing to offer cover for death insurance and nothing Yes. on the total pam disability income protection side. They Yeah. And that's probably because I've previously been treated for tuberculosis. it like, that was a, I guess, comorbidity, I guess, is the terminology for them, but it wasn't the only underlying factor. Mhmm. They also had the homogeneous MTHFR cyst the genetic status was one of the was one of the contributing Yes. factors Okay. as well as Raynard's diabetes. Yes. Yeah. Don't be wrong. Tuberculosis did fall Yep. into it as well, but it was just it was the the number of, Yes.","start_word":52,"end_word":350,"sentiment":"neutral","sentiment_score":-0.02581589003669777},{"text":"I guess, health concerns that can create higher risk.","start_word":351,"end_word":359,"sentiment":"negative","sentiment_score":-0.43018367886543274},{"text":"Yes. And and I was actually expecting that because I often do medicals for insurance. Yeah. So it wasn't it's not something that you're uncommon to, I guess. Yes. Yes. No. Yeah. I mean, especially the past tuberculosis, then Yeah. that is a concern. Yeah. Originally, like, the tuberculosis was only was a was a concern originally, but we pre assessed it, and they were actually pretty okay with it. It was just when Yeah. it came to, I guess, the layers that fell down the line, which is where they kind of picked it up. Specifically, the one the biggest key factor was that genetic side of thing Okay. Yeah. because it's a genetic mutation of the cells, which is where things fell on that side. Mhmm. Okay. But it's essentially speaking, I guess, moving forward from here, there's a couple of different layers to it. Because, originally, we had applied for a MillerLife milli MillerTPD and then the income protection at 10 Mhmm. grand a month. Yes. So, obviously, the TPD, the IP declined. The life insurance is still approved Mhmm. on that side with a 75% loading. So, essentially speaking, what that would look like is the life insurance premium originally was, like, $672, just around it. With the 75% loading, that would change it to about $11.75. I'm sorry. But that and then that is per is that annual? That is per year annually. Yes. Yeah. Yeah. So what was the number again? 11? 1175. 1175 per annum. Okay. Yep. Now, essentially speaking, there's a couple of options that we have available. Mhmm. We can proceed with that. That gives you the life cover. So if you were to pass away, diagnose terminally ill, you have that additional No. cover that gives the family reassurance Mhmm. in the event that, you know, the debts are covered, income's covered, all of that kind Yes. of stuff sorted. You then also have currently, because we didn't close it, Mhmm. your Aware Superfund as well. Yes.","start_word":360,"end_word":696,"sentiment":"neutral","sentiment_score":-0.0022947631710007214},{"text":"So your Aware Superfund, we kept it open with a small balance in it while we were going through the insurance side of things.","start_word":697,"end_word":720,"sentiment":"positive","sentiment_score":0.354178249835968},{"text":"It has 72,500 of Mhmm. life TPD, Yep. and then it has a thousand dollars in IP. So now it's a bit of a conversation as to where we go on that side. Because, Yep. essentially speaking, the Zurich policy would cover the like, your life needs, but it means that your TPD income protection needs remain unmet. Yes. So Now what are the options Mhmm. in that case? So there's a couple of options. Option one is I do and I've I've already started. Like, don't be me wrong. It's not like me twiddling my thumbs. But I continue to go down the route of seeing if there's any other insurers that would cover your complex medical history Yes. for the TPD IP side of things. Mhmm. Option two is we start building a financial buffer for yourself whereby Yes. we start directing cash flow into a position to kind of create that that safety account. So if anything happens, that's where, I guess, your, like, income protection income would come from. So Mhmm. Yes. if if you were fell into the position of being unable to work, you basically have a bank account that kind of starts filtering through to Yep. cover your your needs. So they're sort of the the two options that we have. Mhmm. Granted, you do have and then, I guess, then it's a conversation as to where or what we do in regards to the Aware Superfund. Because, realistically, like, there are operation costs with the funds. Don't get me wrong. There's the premiums to to to pay for that insurance is, you know, $330 a year, but Mhmm. it's really nothing significant in terms of Yeah. of income. Look. I mean, But I think, you know, paying $330 a year, even even though it's only 72,000 life cover? And then how much is it per because I think it's A for thousand two dollars years, a month? a thousand dollars a month for two years. Yes. Yeah. After after ninety days, which means, essentially, you get your first payment day one twenty of being off work. Yep. Yep. That makes sense.","start_word":721,"end_word":1079,"sentiment":"neutral","sentiment_score":-0.005539342999707358},{"text":"So it's it's jack of you know, it's it's it's jackal in terms of cost. It's not exactly covering anything much in terms of income, but it's sort of a something's better than nothing kind of position.","start_word":1080,"end_word":1116,"sentiment":"negative","sentiment_score":-0.3916441202163696},{"text":"Exactly. Yes. So there is that sort of avenue. Now that would essentially mean that if we want to keep that open, we'd kind of have Aware Super as literally just an insurance fund. So Yep. we'd keep a really small amount in the account. It would just be an insurance holding account. So, basically, the money in the account pays the premiums, and that's about it. We still make Yep. sure it's invested in a in a nice way to kind of still keep up with things, but we just keep that there as literally just a bank account to pay the insurance premiums. Yep. No. That makes But sense. but it's kind of, I guess, a wider conversation as to whether do you want me to start, like, pushing a little bit harder in terms of other insurers and going down that line? Mhmm. And I'm still happy to, still have been, because it means kinda dragging you through it with me. Because there's only Yeah. a small there's only so much that I can do independently. Because as you saw by the email, Zurich don't don't release everything to us. Yep. We And we and, don't I mean, the the concern is I know that if if an insurer one insurer has declined, then it's gonna be harder for another insurer to get in get it across the line with another insurer. It just depends on who their reinsurer is and what their back end requirements, PDF, like because there's there's a product disclosure statement, which is what we obviously read to make sure that the product is right for you. But then an an insurer actually has a reinsurer, and what happens is the reinsurer sets rules and regulations for what can happen and what can't happen and what medicals they approve and what medicals they don't approve and this the the cross colonization of everything. Comorbidities Yep. is what they refer to it as, and and what parameters they they do allow. Yep. So they all are different depending on who their reinsurer is. Yep. So, I mean, what I what I will do is I'll have a bit of a think about that. I'm gonna speak to a colleague of mine. I mean, I've got a psychiatrist colleague. We studied together in South Africa. She's also Yeah. in Australia. She had renal cancer, Yep. And she was actually in the last six months, she was able to get to get TPD cover. So, I mean, I can you know, when I next see her, just sort of explore how she went about that and which insurer that was. I mean, after renal cancer, getting getting TPD insurances, obviously, you know, that's a miracle. Yeah. Do you know when she had cancer last? Because, generally, it's a five to ten year rule with any I kind of cancer. I don't remember when, Yeah. but I know that she was able because I spoke to her about three, four weeks ago, and, yeah, she was able to to get insured. Yep. Okay. Yeah. Well, if you're able to find out and even if you just flick an email through the Yeah. to to Jack, and Jack will pass it along and let me know. Yep. Absolutely. Yeah. So let me have a bit of a chat to her and have a bit of a think about the options. Okay. And I'll continue on with my plotting and and research on my side as well.","start_word":1117,"end_word":1704,"sentiment":"neutral","sentiment_score":0.013706728968085075},{"text":"Excellent. I mean, do you know of any insurers where you've had good outcomes with?","start_word":1705,"end_word":1719,"sentiment":"positive","sentiment_score":0.3709709942340851},{"text":"The issue is is each medical like, I'd love to say yes, but each medical case is different. Like, you're not you're not the most complex health case I've come across. Yeah. I've had I've had plenty more complex. Honestly, like, it it it it just depends on how everything connects together and whether one thing links to another that creates a thing and a thing, and it and it just spirals down from there. Yep. Mhmm. Like, I've I've I've I've gotten ex cancer patients insurance in the past. I've I've been in the industry for over a decade. So I've I've seen the changes as they've kinda gone through over the last ten years, but it's just it's it's how long space is doing, really. Yep. Yep. Okay. So I'll I'll explore that. I mean, I'm not gonna see her again. I mean, we've got a meeting together probably in the next three weeks. So I will speak to her and let you know. Yeah. Yeah. Absolutely. Sounds like a plan. Well, I'll put in my calendar to touch base with you in sort of four weeks or so. Yep. But I guess how do you wanna do you want me to just put things things on hold for now and obviously not move in any direction and just kind of hold and wait? I'll do my thing, you do your thing, and we'll reconvene I mean, in unless three unless or four? you unless you know of any insurers that could be explored Mine's just a look at them all type of approach, Yeah. not a I'm gonna pick that one. Don't be wrong. I can generally go I'm gonna pick that one, but this is definitely gonna be an I'm exploring all because I'm dealing with complex health history. It's it's not like I'm just dealing with cancer. Will I know that this insurer is more lenient for x cancer patients? That's Yeah.","start_word":1720,"end_word":2046,"sentiment":"neutral","sentiment_score":-0.07585982807459088},{"text":"that's the direction I'm going.","start_word":2047,"end_word":2051,"sentiment":"positive","sentiment_score":0.4187626540660858},{"text":"It's I'm multilayered, and I've had one other client who's had tuberculosis in my ten years. So Okay. not not something that I commonly come across. Not in Australia. No. But No. definitely in South Africa. Look. I think let's do the following. If you can explore other options, and then maybe in about four weeks, if we can have a follow-up phone call. Yeah. Absolutely. In four but in four weeks, I'm gonna be in South Africa. So let me just open up my calendar. Let's do that. Let me just see. So four weeks is gonna take us to the October 12. I'm actually back. I'm flying back on the Sunday, but I'm probably gonna be very jet lagged. Yeah. Do you wanna Then do the thirteenth? well, how about the Wednesday, October 14? Sold. First thing in the morning? Yep. What time? You let me know. I'm basically in from, like, 6AM. Not that I generally wanna talk to anyone at that time in the morning, but So Oh, wow. shall Okay. we say 08:30 then? Sounds perfect. Okay. Let me just see. That's 08:30. So Wednesday, October 14. Let me just but for some reason, it's not saving. Do you want me to just do this and I can invite you to it so that way it pops Yep. up in both of our calendars? I think Yep.","start_word":2052,"end_word":2283,"sentiment":"neutral","sentiment_score":0.0510745607316494},{"text":"I think that's gonna probably be the best, Done.","start_word":2284,"end_word":2292,"sentiment":"positive","sentiment_score":0.39275312423706055},{"text":"but I am saving it on my phone. So October 14 at 08:30. So I've now saved it, but please send me an email as well. Done.","start_word":2293,"end_word":2319,"sentiment":"neutral","sentiment_score":0.15351776778697968},{"text":"I will invite you into it so that way it has a whole thing and I guess I know how to do that. Excellent. Amazing. Alright. I will talk to you then then. Right. Thank you so much for your help. That's okay, Peter.","start_word":2320,"end_word":2363,"sentiment":"positive","sentiment_score":0.4935662448406219},{"text":"Speak soon.","start_word":2364,"end_word":2365,"sentiment":"neutral","sentiment_score":0.28622281551361084},{"text":"Thanks.","start_word":2366,"end_word":2366,"sentiment":"positive","sentiment_score":0.6002767086029053},{"text":"Okay. Bye Bye. bye.","start_word":2367,"end_word":2370,"sentiment":"neutral","sentiment_score":0.1932809352874756}],"average":{"sentiment":"neutral","sentiment_score":0.00979236805906346}}}}