{"metadata":{"transaction_key":"deprecated","request_id":"019eaa52-5493-7330-b633-863323559727","sha256":"5bde2407032b819b0ff9f739e7f847dfb1227f2d5c3076eb0361529816e3b1b5","created":"2026-06-09T02:59:46.691Z","duration":2585.16,"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":10489,"output_tokens":110},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":11615,"output_tokens":11637},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":11615,"output_tokens":940}},"results":{"channels":[{"alternatives":[{"transcript":"Hey, Sam. I'm good. How are you? Oh, perfect. Awesome. Thank you so much. Because we had the phone ring once. I was like, I wonder if you picked it up. If not, I was gonna try and give her a callback. Easy done. Perfect. How is she? She's all good. Yes. She does. Fantastic. You can send her through whenever you're ready. Beautiful. Oh, hi, Jade. This is how are you this afternoon? I'm very well. Thank you. Sorry about playing a bit of phone tag with you. Thank you so much for calling us, but no. You're fine. All good. Jade, I had you booked in to go through a bit of an annual review there with you today. Before we jump into the call, just wanted to find out if there's anything specific that you're wanting to maybe have me touch base on or any, sorry, specific questions that you would like me to sort of tackle for you today? Nope. That's okay. Just a bit of an overview on how sleep has been going for you then. Yes. Beautiful. All good. So, Jade, I just wanna double check. Do you have access to your email at the moment? Yeah. Beautiful. What I'm gonna do is I'm gonna send through an email to you. It does just have your annual review documents attached there for you, so I'll press send on that one. You are welcome to open them up and have a bit of a review of them. I will also touch on some of those documents as we are going through the review there. But the most important ones are just giving you an update on your super performance and a bit of your super an insurance summary there for you as well. Okay. Fantastic. How's your morning been so far? Yeah? Yeah. Of course. All good. Beautiful. And how's everything sort of been since we last caught up last year? Has there been any major changes with work or with your circumstances? Oh, fantastic. Just having a look at what I have here at the moment. So we had down here your main primary residence noted as being in Timberlane, and then we also had two investment properties, one in Estuary and the other one in Karratha. Is there any additional to those that we would already have noted? Or Yeah. That's alright. Yeah. Fantastic. No. Well, that's fantastic. Good to hear. Is there any plans to purchase more properties down the track, or are you just sort of seeing how these ones go? Or Yeah. Oh, fantastic. That'd be a bit of a process building that one. Fantastic. The in laws will be moving in and living in the granny flat and helping out a little bit there for you? Yeah. Beautiful. Excellent. Good to see. We had a note here that you were also had another medium term goal of looking to study or that you were studying. I'm so sorry. It just says study is a long term goal. Are you currently taking on any additional studies, or is it something you're wanting to do down the track? Yes. No. That's okay. Not a problem at all. Is it more just a study on top of what you're currently doing for work, or is it, like, additional another area to study? Building. Yeah. Beautiful. Yes. Oh, beautiful. Lovely. Excellent. And I had your income last year. It's about 140,000. Is your income increased since we last sort of caught up? Or not the same. Yep. No. That's okay. All good. I will apologize in advance there, Jade. It does look like your the annual review pack is coming through. It's just not sending at the moment. So after the call, if it's okay, I'll just have to go back in and see what the IT issue is and resend it out to you. So I do apologize that it's probably not coming through with you at the moment. Oh, you have? That's so bizarre. Says here that it's not sending. Very strange. That's probably it. Yeah. It just keeps telling me there's some fields missing, and it's not sending. So if it's come through to you, that is fantastic. Thank you. Sorry about that. Love technology when it wants to work. No. You're absolutely fine. Beautiful. Yeah. All good. Yep. Yeah. So if you open the attachments there, you'll see one of those attachments is your superannuation and insurance summary there. So having a look back now, we did sort of catch up and do a review around about November last year there. So I can see having a look here, your your balance and your review time last year was about a hundred and two thousand three hundred and fifty two and fifty cents there. So then having a look at your superannuation balance since then, it has definitely increased. So we got a 113,953 and 11¢. So it has definitely gone up, which is good. I don't know if you sort of look at your super very often or hear about what's happening in the news call. Yeah. Yeah. Yeah. Yep. Yes. Yes. Yeah. Absolutely. And when I sort of have a look at the graph, I also also have a look at what's happening globally and look at benchmarks. And the benchmark I tend to look at is the all ordinaries, and that gives us an idea of what the the whole ASX as a whole does. And your super has very much gone up and down in line with what the all ordinaries or what the market has as a whole. So there's nothing really that is flagging as really needs to be removed or altered because it is just following market reactions, which is good to know. And it did it did take a very big drop around about sort of the April 7 is when we saw quite a large dip there, and there was another run around about August 2024. So you sort of saw that dip in 2024. It came back and recovered from that point onwards. And then we saw another bit of a dip around March and then another bigger one at April 7, which is when the height of all that with The US and the Iran war was going on in the news. And then, yeah, it has definitely come back. And from about, you know, from there, we have gone back to higher than we were originally. So it has it has definitely recovered out of that and has seen additional growth there. When I look at how your investments are performing individually, and you'll see one of those attachments is the performance with internal rate of return. And that sort of breaks down how your investments are performing individually. Now everything is doing really well. You do have some s and p 500 for the top 500 companies in The US. You've got some physical gold. Both of those are performing nicely. We've had a 1618% return on those net growth. We've also got some cybersecurity. You've also got some Australian equities in them, some agriculture, and also some infrastructure. And then you've you've got your BANELON Australian equities portion in there. Now Bandalong was originally put in there as a managed fund. All of your investments are performing very well, but you might have sort of noticed your Bandalong Australian equities is actually quite low. It is showing an internal rate of return of down the 18.48%. Essentially, ban along when it what is originally put in your portfolio was meant to be an actively managed fund. So the investment manager of that fund is meant to be actively managing it to try and outperform against the market. Realistically, some managed funds can outperform against the market. Others don't do it. They don't all do it every year. It's not something they're all very good and consistent with doing. But Benelon hasn't been able to outperform the market, and we are finding some of the underlying issues with Benelon are issues that are within the fund. So they're invested in funds that they can't get out of, that there's issues with their underlying investments. So we actually don't see it as a good investment moving forward, and I wanted to kind of move all of our clients away from that. Just sort of having a look at because I'd love to definitely remove this from your portfolio and try to find something else there. We do have a couple of different options to look at for the replacement of that investment. But did you wanna look at something a bit more actively managed like what you have here, or did you wanna sort of look at a more of a low cost investment to replace that along? What would your thoughts be around that? Yeah. That's okay. Yeah. Yeah. Yeah. Yes. Yeah. Yeah. Absolutely. Yeah. Absolutely. Yeah. Perfect. No. That's okay. What I can definitely look at for you to make it a bit easier if you like is obviously the cost side of things. So we can look at how much you were paying for that manage fund and management fees and maybe look at something a bit more lower cost, which has provided a greater level of past return, but also maybe puts more diversification in there. So one of the things I like to look at as an adviser is with Benelon, they hold anywhere between 15 to 20 different investment options depending on what they're invested in. Whereas there's other investments out there that might hold a lot more of Australian equities or more investments within their funds, which can give you a greater diversification and might actually be a bit more low cost. Would you like me to sort of weigh up those options and see what sort of is preferable, how it looks, what puts you in a greater position down the track, and maybe make a recommendation on switching that investment out for you? Yeah? That's okay. Not a problem at all. It's always good to check. Not everyone sort of knows what they're after with investments, but it's always sort of good to check because some people have more of a preference than others. So I do like to kinda gauge how everyone's feeling. But I can have a look at all the different options for you, look at what's gonna work out better for you. We do update the advice to reflect the changes, show you the cost, the outcomes, the projection side of things, so then you can decide whether you're happy to take that advice. Does that sound okay? That's okay. That's not a problem at all. We just sort of had a really good look, and I'd like to double check what's happening with your funds there. And I sort of noted when Bennelong hasn't been performing, we are best to try and remove that now rather than down the track. Essentially, while it has seen a little bit of a loss, we don't want that loss to compound further. So we don't want you invested in anything that's been underperforming. Fantastic. Excellent. Now the other thing to sort of have a look at is the way you are invested. Now you are more of a growth sort of portfolio. And when we have a look at your time horizon, that portfolio does generally suit your time horizon pretty well. What a growth portfolio tends to see is about 80% of your future invested in growth assets. So think of things like Australian shares, international shares, listed property, and also commodities like gold and silver. And then the other 20% in lower risk investments, things like cash, bonds, and fixed interest. Having a look at where your at time horizon was, now you're still very young. You've got a lot of time ahead of you here. So date of birth is '83. Just sort of looking forward at your goal around the time and aspect, and I know you've got a lot of time ahead of you before you reach that. But I But are you sort of hoping to be able to access super around about the age of 60 at the earliest possible, or are you sort of hoping or wanting to work a bit longer? What's your long term retirement goal look like? Yeah. Okay. Yeah. Yeah. Okay. Yeah. No. That's perfect. Yep. Yeah. Yes. Yep. Right. Yep. That's okay. So with the Goldie investment properties, you've got two at the moment. You kinda mentioned that you weren't looking to buy any more in the short term at the moment, but is your goal to have more properties down the track to sort of supplement super as income in retirement, or what's your goal with those at the moment? Yep. Yep. No. That's okay. That's perfect. It kinda gives me an idea of where we're tracking. So, I mean, realistically, the way I sort of see things at the moment is you're wanting to build your super as much as possible because your super is the one that's gonna be relied on down the track, but then supplementing that by maybe working longer and part time if you can or if you're comfortable doing that when you hit the the sixties, but also then long term, having that investment income coming from those properties to supplement what's coming out of your super to provide that longevity. Am I on the right track with that? Yeah. Beautiful. That's fantastic. And do you know roughly so your husband doesn't work sorry. He's self employed. I do apologize. What does he do for work? Okay. Oh, fantastic. Yep. Wow. Yeah. Wow. That is fantastic. Wow. Awesome. And, I mean, coming into winter is sort of when everyone would wanna be getting that full renovated, get all the work done ready for, you know, summer coming back again. So absolutely. Perfect. No. Excellent. Yep. Wow. Yes. Yeah. Wow. Perfect time. Yeah. Wow. Yeah. Yes. Yeah. Wow. That's incredible. And is it sort of gone for long periods of time, like a week or two at a time, or is it more just a few days here and there each week? Yeah. Wow. Yeah. Wow. I mean, that's a pretty amazing skill set. I definitely can't free dive, and I think anyone who can hold their breath for that long is pretty amazing. Oh, wow. Oh, fantastic. Excellent. Well, I do love that. So what I will sort of look at for the advice is just maybe splitting out that so removing the ban along and replacing it with something else. So look at the cost side of things. One of the things I do wanna look at is the CDT consequences. So what your super fund, just like you do, does a tax return every year. So when we do rebalance the portfolio or replace investments, your super fund does have to pay capital gains tax. So I will take that into account as part of the advice there for you. Depending on what we're rebalancing and how Benelong has has sort of performed, we might even be able to offset any CGT consequences inside super and really isn't to your advantage there. So that'll be a good thing to look at. I know when you came on board, the last few advice documents you probably received would have sort of sorta shown you right up until retirement. Because you are still so young, because there are a lot of things occurring and altering and changing in your life, this advice document will only project out the next five to ten years due to the amount of things that can definitely change. And then we'll just keep building on that for you to try and get as much into super as we possibly can and build that up to give you the, you know, the most the most out of your retirement years when you get to that point. How does that sound? Fantastic. Fantastic. Now a few other questions here just to kinda gauge whether you're in the right portfolio or not. If you sort of have you ever looked at your super and found that it had fallen, Addison? I know we've all sort of bought the saw it fall fall, sorry. I do apologize. In March, April this year with what was happening. But have you ever seen it fall very heavily, like, around about 10 or 20% in past? No. That's okay. If you did happen to see your super four pretty heavily, the fact that you can't access it now, you've got quite a bit of time ahead of you. Do you think seeing dips like that in your would concern or are you sort of not overly concerned because you can't access soup and now you've got a bit of time ahead of you? How do you think you might be feeling? Yeah. Yeah. Yep. Yeah. Yeah. Yep. Absolutely. Yeah. Yep. Yep. Perf perfect. All good. And do you feel like you'd be comfortable now taking on more risk in the market to try and obtain those greater potential returns, or do you feel like you'd be feeling a bit more conservative because of the ups and downs the market has been seeing? How do you think you might sort of fit in there? Yep. Yep. Yeah. Yeah. Absolutely. Well, with the growth sort of area and the growth portfolio that you're in, when you sort of assess risk out of, say, a number between one and five, you're kind of in that sort of three to 4%. So you're not really in the highest risk category. You're not putting all of your investments in those high growth kind of assets, but you're also not very conservative on the lower end. You're kind of in the middle there. So with that eighty twenty split yeah. And, realistically, this sort of portfolio does sort of sit with your time horizon. It generally suits someone who has about six years before they're wanting to access their super. As I mentioned, you have the eighty twenty kind of split between gross defensive assets. And the average return we're looking to try and achieve over the longer term from this one is about seven to 9% on a yearly basis. So looking at how your super this year has performed, net of fees, you've actually performed and returned 8.28 percent. So it is definitely in that range. You're kind of on track with what what we're kind of aiming for with this portfolio. And to come out even with what's been happening this year and with Ben along, having a bit of a downtime and not performing the way we wanted to to come up with an 8% return net of fees. There's still a good positive result. So very happy with that for the year. Yeah. Fantastic. So I definitely wanna keep you in that growth kind of environment a bit longer. If you ever find the day that you are a bit nervous about what's happening or just had some questions around the investments or anything that you are hearing, please do give us a call. We are here to help you along and definitely provide information and guide you through those times. But I'm very positive and very happy with how your super performed for the year. So we'll, you know, try to keep it on track, and I'll just make some alterations of those investments, and I'll come back with an advice document that shows you what I'm outlining recommendation wise. Okay? Beautiful. Now the other thing is you do also have insurances inside your super fund there as well, paid out of super at the moment. So you've got your life and TBD with ClearView. The current sum insured for those is about 861,842. In the event of a life event, so if you were to pass away prematurely, your super is paid out as well as your life cover. So, realistically, you've got that extra $113,009.53 on top of the $8.61. When we sort of have a look at your assets there, having a look. So with the loans, just to confirm, and let me know if there's any changes here, but your main primary residence there, I have it down here that you're owing about 540,000. Is that fairly accurate, or would that change? That's okay. Yep. I had a loan of 540,000. That's Timberlane. Oh, fantastic. That's a really good joke. Excellent. Alright. I've also got the investment property for Estuary, and that one there had a loan of 560,000. Yep. Absolutely. $6.60. Beautiful. And then the other one I had here is a Carasa, and it was $518,005.30. Then heck. Excellent. So looking at the way and what you wanted your life cover to pay out, so with your goal with your life insurance, if you were to pass away prematurely, are you wanting to just have your main primary residence covered and then, you know, allow your partner to sell the investment properties or keep them depending on what he chooses, or are you kinda wanting to cover all the loans? What would your goal be with? No. Yep. That's okay. So with the current cover you have at the moment, that would obviously pay off the main primary residence there to cover the 400,000 owing. And then, you know, you would have that extra buffer which he could either put on the loans or use to take some time off to allow, you know, bereavement, work out what he wants to do, you know, get whether he wants to, you know, not work for a couple of years, take care of the kids, consider, you know, childcare aspects. So are you fairly comfortable with the life sorry, life cover that you have at the moment? Yep. Beautiful. Beautiful. Now with TBD, total permanent disability is paid out in the event that you're never able to go back to work again. So with TBD, I just like to clarify because not everyone is aware. Unfortunately, it is also a taxable payment. So if you were to claim TBD, you can pay tax of up to 22% depending on how you take the funds. We, as advisers, if you ever had to claim TBD, would help you to claim it, but then we would also provide advice on how best to structure those payments so that you could limit the amount of tax that you would have to pay. Yeah. But you do have the same amount of TBD as you do, like, $861,008.40 2, which realistically would pay off the main primary residence there, Could also then be used to pay down some of the additional debts, you know, on the other properties if you wanted to, or the additional could be drawn down as income to sort of support, you know, support you for a bit longer, allow for, you know, changes to vehicles or modifications to the home or, you know, recreational recovery, whatever was sort of needed there. But do you are you comfortable with the level of cover you have with CBD? Did you wanna kinda review that at all? That's okay. Beautiful. And then with the income protection benefit there as well and I do apologize. My computer had a little bit of a moment. I had your income as a 140,000. Did you tell me before that you wanted to increase or alter, or is that still the same? I'm so sorry. That right. Yes. Beautiful. So having a look at that at the moment, with income protection, you can be covered for up to 70% of your income in the event that you're unable to work in the short term. With the income protection benefit you have, you have a benefit amount of $6,008.38. It's a pretax amount and a monthly benefit. So that's how much you could claim pretax if you are off work. 70% of your current income would mean we'd need to increase that benefit to about 8,001 166 per month. So you are a little bit underinsured at the moment. However, in the event of, say, claiming on income protection, would the benefit you're covered for the $6.08 $3.08 plus maybe your husband's income, plus any income from the investment properties or anywhere else that you're able to generate funds from, would all that be sufficient, or would you need to maybe look at increasing that income protection benefit? I'd have to do a bit of a quote for you and see. If you like, I can generate a quote and send it through just to give you a bit of a guide. It's not an exact because it depends on factors there. But I could get a bit of a quote and email it through so you can see what the estimated increase might look like and sort of work out if you need to increase. Yeah. Yep. Absolutely. Not a problem at all. With your income protection, you've also got a ninety day waiting period. So you just have to be off work for ninety days prior to making a claim. We suggest that as soon as you're off work and not able to go back for a period of time, you think you're gonna be off that time frame, to give us a call, let us know. We can at least let the insurer know that, you know, there is a possible claim coming, and then they can work out, you know, the ninety day starting point and just makes it a bit easier and more streamlined there for you. And you do have a five year benefit period, so it does mean you can be on a claim for up to five years. After that five years, the claim does stop regardless of whether you can work or not, but I do like a five year benefit period. It means that you're you know, most claims are completed within that sort of one to two years. However, there are instances where maybe you need to be on a partial claim for a little bit longer, so having that five year benefit period can provide a bit of a buffer there. Are you sort of happy with the waiting and benefit periods of those at the moment? Or yes. Beautiful. Do you have any questions about the insurances, how they're structured, or what you can claim, or anything? No. That's okay. Beautiful. And it looks like you don't have any additional insurances that can be held outside sleep. But I'm having a bit of a look here. I can see that you've got three kids, three dependents at home as well. Is that right? Yeah. What ages are they? Wow. All teenagers. Wow. That's exciting. So there are additional insurances outside of Life TBD income protection that you could always look to apply for. We have other insurances like trauma, which pays out a lump sum tax free benefit in the event that you're diagnosed with, say, Parkinson's, have a heart attack, or a stroke, cancer is probably the biggest one. We can also apply for and obtain, like, child trauma policies, which in the event that your child is diagnosed with, like, a traumatic condition, can also pay out a lump sum tax free benefit there. Those are the types of insurances you can't hold inside. So if they are an external cost added to your back pocket, did you wanna look at an additional cover, or you're just happy with the covers that you have at the moment? Happy? That's okay. If you ever wanna have more of a conversation or find out more about these other types of insurances, please let me know. Just making sure that you've got all the information there and that you can make an informed decision. Easy. Fantastic. I mean, realistically, when you think of all the insurances you can have, you can basically insure everything to the health care. This is the out of pocket expense for doing that. Beautiful. Beautiful. And now so just having a look with your expenditure, are you finding are you guys finding that you are able to save a little bit at the moment? I think last year when we caught up and did the annual review, we're managing to save or put away about a thousand dollars per week. Are you still finding that, or is it a little bit tougher with everything expenses? Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Okay. Yeah. That's okay. And what's the estimated time frame for having the granny flat completed? Have you given yourselves a bit of a deadline at all? Or Okay. Wow. Yeah. Yes. Yeah. Yeah. Yep. Okay. Yeah. Yeah. No. No. That's okay. That's fantastic. We'll cross our fingers. Everything goes to plan and that you do have all of that done by the end of the year. That'd be fantastic. Excellent. Excellent. And just for the caravan, I have it noted here estimated value last year was about 55,000. Would you alter or change that value or keep it about the same? Yes. What value would it be to you if you if you had to sell the caravan or if you wanted to sell the caravan? What would you want for it? What value is it more to you? Yes. Beautiful. Fantastic. I've was that's okay. I've also got cars on here. I believe it's probably two. It just says cars, plural. Just double checking, asset value combined is about 30,000. Would you keep the cars roughly the same, or what value are they to you? 20 5. Yep. Beautiful. Yeah. That's okay. And I also had a note here that you've got a boat, roughly estimated value of about 15,000. Yep. Beautiful. And then you also did have about 30 5,000 in savings last year. This was being used for the investment property. Is that kind of being used for the granny flat, or do you still have that money in an offset? Oh, no. Yeah. Yep. Yep. Yes. Fantastic. Excellent. Excellent. And then with the the property, just so double checking the values on those, the Karratha property, we had it noted about 750,000. Do you think that might have increased in value a little bit since we spoke last year in November? On point. Yep. That's okay. I've also got here, so the Estuary property about 800,000 in value. Would you increase that one a little bit or a lot? Yep. Fantastic. Excellent. And then your main primary residence in Timberlane, 1.1 million I had on here for you. Yep. Fantastic. Excellent. Well, thank you so much for updating all those. That's good. That's fantastic. I mean, having in recent months, the property markets have been, you know, going up in some areas, not so much in others. And I see the Melbourne's had a little bit of a decrease, so it's good to see WA is being increasing for you guys. Yeah. Excellent. Now the last thing to sort of touch base on is the estate planning side of things. I do have it noted that you didn't have a will or power of attorney last year when we did the annual review. Have you guys talked about doing up a will, power of attorney, things like that? Yep. Fantastic. Yep. Yep. Yep. No. That's okay. Fantastic. Excellent. And with your beneficiary nominations on your life insurance and your super, I have it noted down here as Darren's spouse a 100% to receive the benefit. That's exactly how you want those to be nominated. Yeah. Fantastic. Excellent. Just making sure everything is up to date there. I'm glad you've done your well. It's one of those things we always kinda put them off and then we discover we really need to do them. So I'm glad they're all done. Absolutely. Fantastic. Well, just to kinda recap, what I'll do is I'll do up do some research for you. It does take a few weeks to kind of reevaluate all the investments and do up an advice document for you. So once we have got that ready to go, I'll come back, book you back in, and we'll go through the advice together. I'll also do up a bit of an increased quote for your income protection just to sort of send through so you can review what that might look like to increase that. I'll also add any notes down around any exclusions or loadings that you might have applied or expected with regards to that to gonna give you an overview on whether you wanted to increase that insurances. If you have any questions in relation to any of those days, you're welcome to come back and let me know at any point in time. Okay? Is there any other medium term goals or any other goals that you might have down the track that you're sort of looking to achieve or nothing at the moment? Or no. No. That's okay. I'll pop down here, finish the Granny Flat, possibly add additional properties down the track there. You've also got here commercial properties that you might wanna invest in down the track there as well. Does that sound about right? Yep. Oh, fantastic. Is there anything else that you might want me to touch on or anything I may have missed or anything else of importance or any other questions that you might have at all? No? Fantastic. Not a problem. But I will I will get cracking on that research there for you. I thank you so much for your time. Attached to any review pack is all those documents I went through. So your internal rate of return, your summary there. We've also got the financial services guide attached for you, which outlines everything about who we are, what we do, and how we do it. We do also have attached there for you your ongoing service agreement. So out of your super, you do pay us an ongoing service fee for looking at your super monitoring, maintaining it, and also updating and providing advice to keep you on track towards meeting your retirement goals there. Our ongoing service fee is 1.65% per annum. That is currently capped at 600,000, and it's deducted in smaller monthly increments. So the idea is that as a percentage based fee, it fluctuates with the market. So when the market is doing really well, our fee is a little bit higher. However, when we see dips like we saw in March and April this year, it means that our fee takes a bit of a dip there with it as well. So it is dependent on what's happening with your super to how much we make, and which is really important because we wanna make sure we're putting your needs above that of our own. That includes our fees. So it's good to see the 8% return, and that return is after fees. It's a net return, and that's after our ongoing service fee has been deducted as well. So it's really, really important that we kinda clarify those for you. If you are happy with our services, wanna remain on board for a bit longer as a client, I'll get you to sign and return that one back there for me. Feel free to take some time to read those documents. And if you do find you have any questions in relation to any of them, you're welcome to let me know. Okay? Excellent. Is there anything else that you might want me to sort of research or just to sort of go through while I'm sending you an email so I could any other questions that you might might have popped up in the last few minutes? No. My pleasure, Jay. Look. Thank you so much for taking my call. I hope you have a lovely day. I hope you have a great weekend coming up. I know it's only Tuesday, but the weekend will be here before we know it. I love it, and I'll get a crack in that research there. If there's anything that comes up, you're welcome to let me know at any point. Okay? Thanks. My pleasure. Enjoy your day. Thank you for your time. See you later. Bye.","confidence":0.9970703,"words":[{"word":"hey","start":0.48,"end":0.71999997,"confidence":0.99365234,"punctuated_word":"Hey,","sentiment":"neutral","sentiment_score":0.07065941393375397},{"word":"sam","start":0.71999997,"end":1.22,"confidence":0.9995117,"punctuated_word":"Sam.","sentiment":"neutral","sentiment_score":0.07061892747879028},{"word":"i'm","start":3.52,"end":3.84,"confidence":0.9975586,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.3745930790901184},{"word":"good","start":3.84,"end":4.08,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.40812253952026367},{"word":"how","start":4.08,"end":4.24,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.2474261373281479},{"word":"are","start":4.24,"end":4.48,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2229733020067215},{"word":"you","start":4.48,"end":4.98,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.3008343577384949},{"word":"oh","start":10.88,"end":11.2,"confidence":0.9921875,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.5450130105018616},{"word":"perfect","start":11.2,"end":11.7,"confidence":0.9995117,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.6357415914535522},{"word":"awesome","start":11.759999,"end":12.16,"confidence":1.0,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.6601184606552124},{"word":"thank","start":12.16,"end":12.32,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6916646957397461},{"word":"you","start":12.32,"end":12.48,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6906382441520691},{"word":"so","start":12.48,"end":12.639999,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7047595381736755},{"word":"much","start":12.639999,"end":12.799999,"confidence":0.939209,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.653867781162262},{"word":"because","start":12.799999,"end":12.96,"confidence":0.9819336,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.1654101014137268},{"word":"we","start":12.96,"end":13.12,"confidence":0.9819336,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15351349115371704},{"word":"had","start":13.12,"end":13.28,"confidence":0.7397461,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.13310882449150083},{"word":"the","start":13.28,"end":13.44,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1157640814781189},{"word":"phone","start":13.44,"end":13.679999,"confidence":0.9941406,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.07341955602169037},{"word":"ring","start":13.679999,"end":13.84,"confidence":0.99609375,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":0.0746140256524086},{"word":"once","start":13.84,"end":14.08,"confidence":0.767334,"punctuated_word":"once.","sentiment":"neutral","sentiment_score":0.08236818760633469},{"word":"i","start":14.08,"end":14.16,"confidence":0.5283203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0508250966668129},{"word":"was","start":14.16,"end":14.32,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.038289740681648254},{"word":"like","start":14.32,"end":14.48,"confidence":0.8666992,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.061049897223711014},{"word":"i","start":14.48,"end":14.559999,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06944384425878525},{"word":"wonder","start":14.559999,"end":14.88,"confidence":0.99902344,"punctuated_word":"wonder","sentiment":"neutral","sentiment_score":0.03801604732871056},{"word":"if","start":14.88,"end":15.04,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.045773301273584366},{"word":"you","start":15.04,"end":15.2,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.051498278975486755},{"word":"picked","start":15.2,"end":15.36,"confidence":0.9941406,"punctuated_word":"picked","sentiment":"neutral","sentiment_score":0.05180373042821884},{"word":"it","start":15.36,"end":15.5199995,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07167664915323257},{"word":"up","start":15.5199995,"end":15.675,"confidence":0.97802734,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.05173338204622269},{"word":"if","start":15.675,"end":15.835,"confidence":0.99121094,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.012157496064901352},{"word":"not","start":15.835,"end":15.915,"confidence":0.9970703,"punctuated_word":"not,","sentiment":"neutral","sentiment_score":0.02651501446962357},{"word":"i","start":15.915,"end":15.995,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05710476264357567},{"word":"was","start":15.995,"end":16.075,"confidence":0.9921875,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.03167374059557915},{"word":"gonna","start":16.075,"end":16.155,"confidence":0.9892578,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.054524488747119904},{"word":"try","start":16.155,"end":16.555,"confidence":0.99902344,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.05348539352416992},{"word":"and","start":16.555,"end":16.635,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06992291659116745},{"word":"give","start":16.635,"end":16.795,"confidence":0.9970703,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.06989739835262299},{"word":"her","start":16.795,"end":16.915,"confidence":0.984375,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.07894083112478256},{"word":"a","start":16.915,"end":17.035,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11667413264513016},{"word":"callback","start":17.035,"end":17.535,"confidence":0.99365234,"punctuated_word":"callback.","sentiment":"neutral","sentiment_score":0.07330247759819031},{"word":"easy","start":25.195,"end":25.695,"confidence":0.92333984,"punctuated_word":"Easy","sentiment":"positive","sentiment_score":0.3906773626804352},{"word":"done","start":25.755001,"end":26.255001,"confidence":0.8937988,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.3221012353897095},{"word":"perfect","start":26.395,"end":26.895,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3958816528320313},{"word":"how","start":27.195,"end":27.435,"confidence":0.99902344,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.19396817684173584},{"word":"is","start":27.435,"end":27.675,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.18446043133735657},{"word":"she","start":27.675,"end":27.915,"confidence":0.9995117,"punctuated_word":"she?","sentiment":"neutral","sentiment_score":0.26092785596847534},{"word":"she's","start":27.915,"end":28.154999,"confidence":0.99853516,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":0.32846564054489136},{"word":"all","start":28.154999,"end":28.395,"confidence":0.9951172,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.34951817989349365},{"word":"good","start":28.395,"end":28.895,"confidence":0.97631836,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.33563005924224854},{"word":"yes","start":33.02,"end":33.260002,"confidence":0.9165039,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.043179139494895935},{"word":"she","start":33.260002,"end":33.5,"confidence":0.9472656,"punctuated_word":"She","sentiment":"neutral","sentiment_score":0.13697409629821777},{"word":"does","start":33.5,"end":34.0,"confidence":1.0,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":0.1813049167394638},{"word":"fantastic","start":38.06,"end":38.56,"confidence":0.9890137,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5437685251235962},{"word":"you","start":38.7,"end":38.86,"confidence":1.0,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.34045374393463135},{"word":"can","start":38.86,"end":39.02,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3315679728984833},{"word":"send","start":39.02,"end":39.260002,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.3231959342956543},{"word":"her","start":39.260002,"end":39.34,"confidence":0.8310547,"punctuated_word":"her","sentiment":"positive","sentiment_score":0.3488493859767914},{"word":"through","start":39.34,"end":39.58,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.36797961592674255},{"word":"whenever","start":39.58,"end":39.98,"confidence":1.0,"punctuated_word":"whenever","sentiment":"positive","sentiment_score":0.3907550275325775},{"word":"you're","start":39.98,"end":40.14,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.281910240650177},{"word":"ready","start":40.14,"end":40.54,"confidence":1.0,"punctuated_word":"ready.","sentiment":"neutral","sentiment_score":0.28817224502563477},{"word":"beautiful","start":40.54,"end":41.04,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.3395870327949524},{"word":"oh","start":45.415,"end":45.575,"confidence":0.7980957,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.10000132024288176},{"word":"hi","start":45.575,"end":45.895,"confidence":0.9836426,"punctuated_word":"hi,","sentiment":"neutral","sentiment_score":0.10212954133749008},{"word":"jade","start":45.895,"end":46.135002,"confidence":0.8251953,"punctuated_word":"Jade.","sentiment":"neutral","sentiment_score":0.10291807353496552},{"word":"this","start":46.135002,"end":46.295002,"confidence":0.99902344,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.13283796608448029},{"word":"is","start":46.295002,"end":46.375,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1287447214126587},{"word":"how","start":46.455,"end":46.695,"confidence":0.92333984,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.13581885397434235},{"word":"are","start":46.695,"end":46.775,"confidence":0.9819336,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.14234741032123566},{"word":"you","start":46.775,"end":46.855,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1402834951877594},{"word":"this","start":46.855,"end":47.095,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.14848692715168},{"word":"afternoon","start":47.095,"end":47.595,"confidence":1.0,"punctuated_word":"afternoon?","sentiment":"neutral","sentiment_score":0.13179366290569303},{"word":"i'm","start":50.055,"end":50.455,"confidence":0.9970703,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2403562068939209},{"word":"very","start":50.455,"end":50.775,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.26386305689811707},{"word":"well","start":50.775,"end":51.095,"confidence":0.9926758,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2617880702018738},{"word":"thank","start":51.095,"end":51.335,"confidence":1.0,"punctuated_word":"Thank","sentiment":"neutral","sentiment_score":0.27895620465278625},{"word":"you","start":51.335,"end":51.495003,"confidence":0.95581055,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.24250206351280212},{"word":"sorry","start":51.495003,"end":51.735,"confidence":0.9277344,"punctuated_word":"Sorry","sentiment":"neutral","sentiment_score":-0.009279981255531313},{"word":"about","start":51.735,"end":51.895,"confidence":0.98291016,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.029000360518693924},{"word":"playing","start":51.895,"end":52.135002,"confidence":0.9921875,"punctuated_word":"playing","sentiment":"neutral","sentiment_score":-0.002532202750444412},{"word":"a","start":52.135002,"end":52.215,"confidence":0.9526367,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.008797034621238708},{"word":"bit","start":52.215,"end":52.455,"confidence":0.9941406,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.01988392323255539},{"word":"of","start":52.455,"end":52.535,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07156625390052795},{"word":"phone","start":52.535,"end":52.855,"confidence":0.9770508,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":-0.06640534847974777},{"word":"tag","start":52.855,"end":53.095,"confidence":0.99609375,"punctuated_word":"tag","sentiment":"neutral","sentiment_score":-0.012749556452035904},{"word":"with","start":53.095,"end":53.335,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.01266511157155037},{"word":"you","start":53.335,"end":53.815002,"confidence":0.9941406,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.024354463443160057},{"word":"thank","start":53.815002,"end":54.055,"confidence":0.9633789,"punctuated_word":"Thank","sentiment":"neutral","sentiment_score":0.03570406511425972},{"word":"you","start":54.055,"end":54.215,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05941920727491379},{"word":"so","start":54.215,"end":54.375,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.07181114703416824},{"word":"much","start":54.375,"end":54.535,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.13272510468959808},{"word":"for","start":54.535,"end":54.695,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11114303022623062},{"word":"calling","start":54.695,"end":55.015,"confidence":0.99902344,"punctuated_word":"calling","sentiment":"neutral","sentiment_score":0.07751135528087616},{"word":"us","start":55.015,"end":55.175,"confidence":0.7890625,"punctuated_word":"us,","sentiment":"neutral","sentiment_score":0.0724002867937088},{"word":"but","start":55.175,"end":55.335,"confidence":0.9951172,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.04420875757932663},{"word":"no","start":55.415,"end":55.575,"confidence":0.9951172,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.08113766461610794},{"word":"you're","start":55.575,"end":55.895,"confidence":0.99853516,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.12078198045492172},{"word":"fine","start":55.895,"end":56.395,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.16909481585025787},{"word":"all","start":58.239998,"end":58.64,"confidence":0.94921875,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.23756136000156405},{"word":"good","start":58.64,"end":59.14,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.213928684592247},{"word":"jade","start":59.28,"end":59.68,"confidence":0.7963867,"punctuated_word":"Jade,","sentiment":"neutral","sentiment_score":0.05672980472445488},{"word":"i","start":59.68,"end":59.76,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05575334280729294},{"word":"had","start":59.76,"end":59.92,"confidence":0.97998047,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.05674320459365845},{"word":"you","start":59.92,"end":60.0,"confidence":0.5605469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03707659989595413},{"word":"booked","start":60.0,"end":60.239998,"confidence":0.33007812,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.06158328056335449},{"word":"in","start":60.239998,"end":60.32,"confidence":0.90527344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05063912272453308},{"word":"to","start":60.32,"end":60.399998,"confidence":0.98095703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05531374365091324},{"word":"go","start":60.399998,"end":60.559998,"confidence":0.9902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06125534325838089},{"word":"through","start":60.559998,"end":60.72,"confidence":0.91503906,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06480199098587036},{"word":"a","start":60.72,"end":60.8,"confidence":0.9770508,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06444023549556732},{"word":"bit","start":60.8,"end":60.96,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06517545878887177},{"word":"of","start":60.96,"end":61.04,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06352570652961731},{"word":"an","start":61.04,"end":61.12,"confidence":0.98828125,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06298432499170303},{"word":"annual","start":61.12,"end":61.44,"confidence":0.9770508,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.06452161818742752},{"word":"review","start":61.44,"end":61.68,"confidence":0.9980469,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.057703375816345215},{"word":"there","start":61.68,"end":61.92,"confidence":0.9013672,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.08581419289112091},{"word":"with","start":61.92,"end":62.079998,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08799847215414047},{"word":"you","start":62.079998,"end":62.32,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09997746348381042},{"word":"today","start":62.32,"end":62.82,"confidence":0.99902344,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.0670623928308487},{"word":"before","start":63.04,"end":63.36,"confidence":0.8720703,"punctuated_word":"Before","sentiment":"neutral","sentiment_score":0.02899257466197014},{"word":"we","start":63.36,"end":63.44,"confidence":0.88134766,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02890760637819767},{"word":"jump","start":63.44,"end":63.68,"confidence":0.9970703,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.0531429722905159},{"word":"into","start":63.68,"end":63.92,"confidence":0.99121094,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.04552491009235382},{"word":"the","start":63.92,"end":64.08,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04441805183887482},{"word":"call","start":64.08,"end":64.32,"confidence":0.99853516,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":0.04753618687391281},{"word":"just","start":64.32,"end":64.56,"confidence":0.9350586,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04617590457201004},{"word":"wanted","start":64.56,"end":64.88,"confidence":0.9970703,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.04696494713425636},{"word":"to","start":64.88,"end":65.38,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07020430266857147},{"word":"find","start":65.52,"end":65.76,"confidence":0.8989258,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.0674818903207779},{"word":"out","start":65.76,"end":65.92,"confidence":0.9970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.04779545962810517},{"word":"if","start":65.92,"end":66.0,"confidence":0.9863281,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05023302137851715},{"word":"there's","start":66.0,"end":66.24,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.05468067526817322},{"word":"anything","start":66.24,"end":66.64,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.05834458768367767},{"word":"specific","start":66.64,"end":67.04,"confidence":1.0,"punctuated_word":"specific","sentiment":"neutral","sentiment_score":0.043284643441438675},{"word":"that","start":67.04,"end":67.2,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03653033822774887},{"word":"you're","start":67.2,"end":67.44,"confidence":0.9914551,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.034989215433597565},{"word":"wanting","start":67.44,"end":67.68,"confidence":0.99902344,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.03960135951638222},{"word":"to","start":67.68,"end":67.84,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04600564390420914},{"word":"maybe","start":67.84,"end":68.34,"confidence":0.9589844,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.05335049703717232},{"word":"have","start":68.56,"end":68.72,"confidence":0.78808594,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05545957759022713},{"word":"me","start":68.72,"end":68.88,"confidence":0.9970703,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0529903769493103},{"word":"touch","start":68.88,"end":69.119995,"confidence":0.9941406,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.055143486708402634},{"word":"base","start":69.119995,"end":69.36,"confidence":0.98828125,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.04968469589948654},{"word":"on","start":69.36,"end":69.6,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05680583417415619},{"word":"or","start":69.6,"end":69.76,"confidence":0.9038086,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05367224290966987},{"word":"any","start":69.76,"end":70.245,"confidence":0.85131836,"punctuated_word":"any,","sentiment":"neutral","sentiment_score":0.036315642297267914},{"word":"sorry","start":70.485,"end":70.885,"confidence":0.99121094,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":0.00937679409980774},{"word":"specific","start":70.885,"end":71.365005,"confidence":1.0,"punctuated_word":"specific","sentiment":"neutral","sentiment_score":0.031141553074121475},{"word":"questions","start":71.365005,"end":71.685005,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.02710844948887825},{"word":"that","start":71.685005,"end":71.845,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.029637854546308517},{"word":"you","start":71.845,"end":71.925,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01719757542014122},{"word":"would","start":71.925,"end":72.085,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.023800674825906754},{"word":"like","start":72.085,"end":72.325005,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.017340857535600662},{"word":"me","start":72.325005,"end":72.485,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0441410131752491},{"word":"to","start":72.485,"end":72.645004,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04201825708150864},{"word":"sort","start":72.645004,"end":72.805,"confidence":0.9902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.056389037519693375},{"word":"of","start":72.805,"end":72.885,"confidence":0.6040039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06043380498886109},{"word":"tackle","start":72.885,"end":73.285,"confidence":1.0,"punctuated_word":"tackle","sentiment":"neutral","sentiment_score":0.05371677875518799},{"word":"for","start":73.285,"end":73.445,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05823151022195816},{"word":"you","start":73.445,"end":73.685005,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04335864633321762},{"word":"today","start":73.685005,"end":74.185005,"confidence":0.9851074,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.03114134632050991},{"word":"nope","start":77.285,"end":77.605,"confidence":0.9333496,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.1068272590637207},{"word":"that's","start":77.605,"end":77.845,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.015589084476232529},{"word":"okay","start":77.845,"end":78.085,"confidence":0.99902344,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.007818523794412613},{"word":"just","start":78.085,"end":78.245,"confidence":0.9580078,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.02111886814236641},{"word":"a","start":78.245,"end":78.325005,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03785190358757973},{"word":"bit","start":78.325005,"end":78.485,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.04025270789861679},{"word":"of","start":78.485,"end":78.565,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.052782248705625534},{"word":"an","start":78.565,"end":78.725006,"confidence":0.9921875,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.045997798442840576},{"word":"overview","start":78.725006,"end":79.125,"confidence":0.99121094,"punctuated_word":"overview","sentiment":"neutral","sentiment_score":0.04890098795294762},{"word":"on","start":79.125,"end":79.285,"confidence":0.9707031,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.049585625529289246},{"word":"how","start":79.285,"end":79.445,"confidence":0.9951172,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.04433494061231613},{"word":"sleep","start":79.445,"end":79.685005,"confidence":0.25610352,"punctuated_word":"sleep","sentiment":"neutral","sentiment_score":0.060958776623010635},{"word":"has","start":79.685005,"end":79.845,"confidence":0.96240234,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.05446788668632507},{"word":"been","start":79.845,"end":80.08501,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.06800150871276855},{"word":"going","start":80.08501,"end":80.325005,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.1141134351491928},{"word":"for","start":80.325005,"end":80.565,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06206321716308594},{"word":"you","start":80.565,"end":80.725006,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03676376119256019},{"word":"then","start":80.725006,"end":81.225006,"confidence":0.8256836,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.034032680094242096},{"word":"yes","start":82.08501,"end":82.58501,"confidence":0.7607422,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.061811383813619614},{"word":"beautiful","start":82.645004,"end":83.145004,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.2967073321342468},{"word":"all","start":83.365005,"end":83.605,"confidence":0.9819336,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.2658000588417053},{"word":"good","start":83.605,"end":84.105,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.22029712796211243},{"word":"so","start":84.520004,"end":84.76,"confidence":0.9411621,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.07908372581005096},{"word":"jade","start":84.76,"end":85.08,"confidence":0.9248047,"punctuated_word":"Jade,","sentiment":"neutral","sentiment_score":0.07342757284641266},{"word":"i","start":85.08,"end":85.16,"confidence":0.59472656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06965409219264984},{"word":"just","start":85.16,"end":85.4,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06149974465370178},{"word":"wanna","start":85.4,"end":85.64,"confidence":0.60595703,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.06905698776245117},{"word":"double","start":85.64,"end":86.04,"confidence":0.44750977,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.07355325669050217},{"word":"check","start":86.04,"end":86.36,"confidence":0.97436523,"punctuated_word":"check.","sentiment":"neutral","sentiment_score":0.05394027382135391},{"word":"do","start":86.36,"end":86.520004,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.01929115131497383},{"word":"you","start":86.520004,"end":86.68,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02245013788342476},{"word":"have","start":86.68,"end":86.840004,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.018354246392846107},{"word":"access","start":86.840004,"end":87.16,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.025901908054947853},{"word":"to","start":87.16,"end":87.240005,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03461514785885811},{"word":"your","start":87.240005,"end":87.4,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.021182402968406677},{"word":"email","start":87.4,"end":87.72,"confidence":0.6323242,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.04256756976246834},{"word":"at","start":87.72,"end":87.96,"confidence":0.36132812,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.019078902900218964},{"word":"the","start":87.96,"end":88.04,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.032363686710596085},{"word":"moment","start":88.04,"end":88.54,"confidence":1.0,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.04157356917858124},{"word":"yeah","start":90.28,"end":90.600006,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1227901726961136},{"word":"beautiful","start":90.600006,"end":91.0,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.2489042729139328},{"word":"what","start":91.0,"end":91.16,"confidence":0.99902344,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.11531061679124832},{"word":"i'm","start":91.16,"end":91.32,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.10729637742042542},{"word":"gonna","start":91.32,"end":91.48,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.11945581436157228},{"word":"do","start":91.48,"end":91.64,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09512116760015488},{"word":"is","start":91.64,"end":91.72,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08061489462852478},{"word":"i'm","start":91.72,"end":91.880005,"confidence":0.9970703,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.10007068514823914},{"word":"gonna","start":91.880005,"end":92.12,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.11133503913879396},{"word":"send","start":92.12,"end":92.28,"confidence":0.9892578,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.10524051636457445},{"word":"through","start":92.28,"end":92.44,"confidence":0.5805664,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09481961280107498},{"word":"an","start":92.44,"end":92.600006,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.09114713966846466},{"word":"email","start":92.600006,"end":92.920006,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.11879537999629974},{"word":"to","start":92.920006,"end":93.08,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08891164511442184},{"word":"you","start":93.08,"end":93.240005,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.06508497893810272},{"word":"it","start":93.240005,"end":93.4,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.125205859541893},{"word":"does","start":93.4,"end":93.560005,"confidence":0.9980469,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.1686946600675583},{"word":"just","start":93.560005,"end":93.8,"confidence":0.9819336,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1314184069633484},{"word":"have","start":93.8,"end":93.96001,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16314104199409485},{"word":"your","start":93.96001,"end":94.200005,"confidence":0.9633789,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13120606541633606},{"word":"annual","start":94.200005,"end":94.44,"confidence":0.97802734,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.12438560277223588},{"word":"review","start":94.44,"end":94.76,"confidence":0.99902344,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.09206360578536989},{"word":"documents","start":94.76,"end":95.240005,"confidence":0.98828125,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.14023683965206146},{"word":"attached","start":95.240005,"end":95.64,"confidence":0.9980469,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":0.16097131371498108},{"word":"there","start":95.64,"end":95.880005,"confidence":0.99316406,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.14851835370063782},{"word":"for","start":95.880005,"end":96.04,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1350826621055603},{"word":"you","start":96.04,"end":96.200005,"confidence":0.7807617,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.13170601427555084},{"word":"so","start":96.200005,"end":96.36,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1357673555612564},{"word":"i'll","start":96.36,"end":96.44,"confidence":0.94189453,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1104179471731186},{"word":"press","start":96.44,"end":96.68,"confidence":1.0,"punctuated_word":"press","sentiment":"neutral","sentiment_score":0.09588047862052916},{"word":"send","start":96.68,"end":96.92,"confidence":0.99902344,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.07928372919559479},{"word":"on","start":96.92,"end":97.08,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09726938605308531},{"word":"that","start":97.08,"end":97.240005,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15662160515785217},{"word":"one","start":97.240005,"end":97.725,"confidence":1.0,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.14058102667331696},{"word":"you","start":98.365,"end":98.525,"confidence":0.96777344,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.42439043521881104},{"word":"are","start":98.525,"end":98.765,"confidence":1.0,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.4139474034309387},{"word":"welcome","start":98.765,"end":99.005,"confidence":0.99902344,"punctuated_word":"welcome","sentiment":"positive","sentiment_score":0.5731938481330872},{"word":"to","start":99.005,"end":99.165,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4032523036003113},{"word":"open","start":99.165,"end":99.405,"confidence":0.7426758,"punctuated_word":"open","sentiment":"positive","sentiment_score":0.3691161870956421},{"word":"them","start":99.405,"end":99.564995,"confidence":0.97509766,"punctuated_word":"them","sentiment":"positive","sentiment_score":0.3472549021244049},{"word":"up","start":99.564995,"end":99.725,"confidence":0.9892578,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.383099228143692},{"word":"and","start":99.725,"end":99.805,"confidence":0.34887695,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3879373073577881},{"word":"have","start":99.805,"end":99.925,"confidence":0.9980469,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3707386255264282},{"word":"a","start":99.925,"end":100.045,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3692116141319275},{"word":"bit","start":100.045,"end":100.205,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.3222264051437378},{"word":"of","start":100.205,"end":100.285,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.41599979996681213},{"word":"a","start":100.285,"end":100.365,"confidence":0.9003906,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3726885318756103},{"word":"review","start":100.365,"end":100.765,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.2910515367984772},{"word":"of","start":100.765,"end":100.924995,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3338682949542999},{"word":"them","start":100.924995,"end":101.165,"confidence":0.99902344,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.3322015404701233},{"word":"i","start":101.165,"end":101.405,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23909273743629456},{"word":"will","start":101.405,"end":101.485,"confidence":0.49609375,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.18302398920059204},{"word":"also","start":101.485,"end":101.805,"confidence":0.5083008,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1535540521144867},{"word":"touch","start":101.805,"end":102.125,"confidence":0.70654297,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.13717131316661835},{"word":"on","start":102.125,"end":102.284996,"confidence":0.99316406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15524743497371674},{"word":"some","start":102.284996,"end":102.445,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.12056836485862732},{"word":"of","start":102.445,"end":102.525,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14834503829479218},{"word":"those","start":102.525,"end":102.845,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.17140567302703855},{"word":"documents","start":102.845,"end":103.325,"confidence":0.9980469,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.11975023150444032},{"word":"as","start":103.325,"end":103.485,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.19741427898406985},{"word":"we","start":103.485,"end":103.645,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.21266043186187744},{"word":"are","start":103.645,"end":103.725,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.22918960452079773},{"word":"going","start":103.725,"end":104.045,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.2682999074459076},{"word":"through","start":104.045,"end":104.205,"confidence":0.9770508,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.21061766147613523},{"word":"the","start":104.205,"end":104.445,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18588219583034515},{"word":"review","start":104.445,"end":104.845,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.12307120114564896},{"word":"there","start":104.845,"end":105.345,"confidence":0.9020996,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.17153888940811157},{"word":"but","start":105.645,"end":105.725,"confidence":0.99121094,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.12218630313873292},{"word":"the","start":105.725,"end":105.884995,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07028500735759735},{"word":"most","start":105.884995,"end":106.045,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.06803081929683685},{"word":"important","start":106.045,"end":106.365,"confidence":0.99902344,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.08439403027296066},{"word":"ones","start":106.365,"end":106.604996,"confidence":0.63916016,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":0.113124780356884},{"word":"are","start":106.604996,"end":106.765,"confidence":0.3869629,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.11582358181476592},{"word":"just","start":106.765,"end":106.924995,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1734528690576553},{"word":"giving","start":106.924995,"end":107.165,"confidence":1.0,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.15706855058670044},{"word":"you","start":107.165,"end":107.325,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14607982337474823},{"word":"an","start":107.325,"end":107.485,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.139895498752594},{"word":"update","start":107.485,"end":107.805,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.17661404609680176},{"word":"on","start":107.805,"end":107.884995,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.17411553859710693},{"word":"your","start":107.884995,"end":108.125,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20700250566005707},{"word":"super","start":108.125,"end":108.525,"confidence":0.9550781,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.270254522562027},{"word":"performance","start":108.525,"end":109.025,"confidence":0.98828125,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.25755491852760315},{"word":"and","start":109.244995,"end":109.485,"confidence":0.9741211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2181706428527832},{"word":"a","start":109.485,"end":109.565,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2082163542509079},{"word":"bit","start":109.565,"end":109.805,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.19644629955291748},{"word":"of","start":109.805,"end":109.884995,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22692929208278656},{"word":"your","start":109.884995,"end":110.125,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1934379935264587},{"word":"super","start":110.125,"end":110.445,"confidence":0.95947266,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1855534315109253},{"word":"an","start":110.604996,"end":110.845,"confidence":0.6513672,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1746770739555359},{"word":"insurance","start":110.845,"end":111.33,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.16654807329177856},{"word":"summary","start":111.490005,"end":111.810005,"confidence":1.0,"punctuated_word":"summary","sentiment":"neutral","sentiment_score":0.13766895234584808},{"word":"there","start":111.810005,"end":111.97,"confidence":0.99121094,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.24627383053302765},{"word":"for","start":111.97,"end":112.29,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1928018182516098},{"word":"you","start":112.29,"end":112.450005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1822587549686432},{"word":"as","start":112.450005,"end":112.61,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.16391196846961975},{"word":"well","start":112.61,"end":113.11,"confidence":0.9980469,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.12943625450134277},{"word":"okay","start":113.17,"end":113.67,"confidence":0.84472656,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1381782740354538},{"word":"fantastic","start":115.01,"end":115.51,"confidence":0.99902344,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.4371449947357178},{"word":"how's","start":115.73,"end":116.05,"confidence":0.9211426,"punctuated_word":"How's","sentiment":"neutral","sentiment_score":0.2705356478691101},{"word":"your","start":116.05,"end":116.21,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.28540459275245667},{"word":"morning","start":116.21,"end":116.61,"confidence":1.0,"punctuated_word":"morning","sentiment":"positive","sentiment_score":0.365212082862854},{"word":"been","start":116.61,"end":116.85,"confidence":0.88720703,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.31423723697662354},{"word":"so","start":116.85,"end":117.090004,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2203679233789444},{"word":"far","start":117.090004,"end":117.590004,"confidence":1.0,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.2606583535671234},{"word":"yeah","start":120.450005,"end":120.950005,"confidence":0.767334,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.07180888950824738},{"word":"yeah","start":122.05,"end":122.37,"confidence":0.9506836,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12832069396972656},{"word":"of","start":122.37,"end":122.53,"confidence":0.56933594,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.14133089780807495},{"word":"course","start":122.53,"end":123.03,"confidence":0.9951172,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.2216619849205017},{"word":"all","start":123.89,"end":124.130005,"confidence":0.8588867,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.4541813135147095},{"word":"good","start":124.130005,"end":124.630005,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.45946574211120605},{"word":"beautiful","start":125.425,"end":125.925,"confidence":0.99853516,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4700417220592499},{"word":"and","start":125.985,"end":126.225,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1362261027097702},{"word":"how's","start":126.225,"end":126.465004,"confidence":0.9592285,"punctuated_word":"how's","sentiment":"neutral","sentiment_score":0.08727812767028809},{"word":"everything","start":126.465004,"end":126.785,"confidence":0.9902344,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.07385614514350891},{"word":"sort","start":126.785,"end":126.945,"confidence":0.99121094,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.07222238928079605},{"word":"of","start":126.945,"end":127.025,"confidence":0.6904297,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02814282476902008},{"word":"been","start":127.025,"end":127.345,"confidence":0.9951172,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.03402462974190712},{"word":"since","start":127.345,"end":127.505005,"confidence":0.99902344,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.049113303422927856},{"word":"we","start":127.505005,"end":127.665,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03732558339834213},{"word":"last","start":127.665,"end":127.905,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.02767695300281048},{"word":"caught","start":127.905,"end":128.145,"confidence":0.98828125,"punctuated_word":"caught","sentiment":"neutral","sentiment_score":0.07045242935419083},{"word":"up","start":128.145,"end":128.385,"confidence":0.95410156,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.031089814379811287},{"word":"last","start":128.385,"end":128.625,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.037273623049259186},{"word":"year","start":128.625,"end":128.865,"confidence":0.9980469,"punctuated_word":"year?","sentiment":"neutral","sentiment_score":0.05464569851756096},{"word":"has","start":128.865,"end":129.105,"confidence":0.99902344,"punctuated_word":"Has","sentiment":"neutral","sentiment_score":0.002807140350341797},{"word":"there","start":129.105,"end":129.185,"confidence":0.9941406,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.0062573980540037155},{"word":"been","start":129.185,"end":129.425,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.00011092051863670348},{"word":"any","start":129.425,"end":129.585,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.004940345883369446},{"word":"major","start":129.585,"end":129.905,"confidence":1.0,"punctuated_word":"major","sentiment":"neutral","sentiment_score":-0.012574642896652222},{"word":"changes","start":129.905,"end":130.30501,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.011524135246872902},{"word":"with","start":130.30501,"end":130.545,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.02216198667883873},{"word":"work","start":130.545,"end":130.945,"confidence":0.9970703,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.00221918523311615},{"word":"or","start":130.945,"end":131.105,"confidence":0.9873047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0013693086802959442},{"word":"with","start":131.105,"end":131.345,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.004361160099506378},{"word":"your","start":131.345,"end":131.505,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.009232670068740845},{"word":"circumstances","start":131.505,"end":132.005,"confidence":0.9995117,"punctuated_word":"circumstances?","sentiment":"neutral","sentiment_score":0.02494526095688343},{"word":"oh","start":141.12,"end":141.2,"confidence":0.7416992,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.20369404554367063},{"word":"fantastic","start":141.2,"end":141.7,"confidence":0.99853516,"punctuated_word":"fantastic.","sentiment":"neutral","sentiment_score":0.21759498119354248},{"word":"just","start":144.4,"end":144.56,"confidence":0.82177734,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.0722983255982399},{"word":"having","start":144.56,"end":144.87999,"confidence":0.9716797,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.07563701272010803},{"word":"a","start":144.87999,"end":144.95999,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11249612271785736},{"word":"look","start":144.95999,"end":145.2,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.13545799255371094},{"word":"at","start":145.2,"end":145.28,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1353607326745987},{"word":"what","start":145.28,"end":145.43999,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06131112575531006},{"word":"i","start":145.43999,"end":145.59999,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05936720594763756},{"word":"have","start":145.59999,"end":145.76,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05817137658596039},{"word":"here","start":145.76,"end":146.0,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.101458378136158},{"word":"at","start":146.0,"end":146.07999,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0946597158908844},{"word":"the","start":146.07999,"end":146.23999,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10804599523544312},{"word":"moment","start":146.23999,"end":146.73999,"confidence":0.97631836,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.13513921201229095},{"word":"so","start":147.12,"end":147.35999,"confidence":0.92089844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03958990424871445},{"word":"we","start":147.35999,"end":147.59999,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.032081183046102524},{"word":"had","start":147.59999,"end":147.92,"confidence":0.97509766,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.031206192448735237},{"word":"down","start":147.92,"end":148.15999,"confidence":0.95166016,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.04957437515258789},{"word":"here","start":148.15999,"end":148.65999,"confidence":0.9921875,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.03579523414373398},{"word":"your","start":150.495,"end":150.89499,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03359546884894371},{"word":"main","start":150.89499,"end":151.215,"confidence":0.99902344,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.046789973974227905},{"word":"primary","start":151.215,"end":151.61499,"confidence":0.99609375,"punctuated_word":"primary","sentiment":"neutral","sentiment_score":0.048978663980960846},{"word":"residence","start":151.61499,"end":152.11499,"confidence":0.96875,"punctuated_word":"residence","sentiment":"neutral","sentiment_score":0.04455546662211418},{"word":"noted","start":152.33499,"end":152.73499,"confidence":0.99902344,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.059323638677597046},{"word":"as","start":152.73499,"end":152.97499,"confidence":0.98535156,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04965411499142647},{"word":"being","start":152.97499,"end":153.375,"confidence":0.96240234,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.05535082519054413},{"word":"in","start":153.375,"end":153.775,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06725317239761353},{"word":"timberlane","start":153.775,"end":154.275,"confidence":0.75634766,"punctuated_word":"Timberlane,","sentiment":"neutral","sentiment_score":0.06660767644643784},{"word":"and","start":154.495,"end":154.655,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.042510442435741425},{"word":"then","start":154.655,"end":154.81499,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04781392216682434},{"word":"we","start":154.81499,"end":155.055,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04792799428105354},{"word":"also","start":155.055,"end":155.295,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.03892015293240547},{"word":"had","start":155.295,"end":155.61499,"confidence":0.99121094,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.0395045280456543},{"word":"two","start":155.61499,"end":155.935,"confidence":0.9970703,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.03275645896792412},{"word":"investment","start":155.935,"end":156.435,"confidence":0.99121094,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.02495952881872654},{"word":"properties","start":156.495,"end":156.81499,"confidence":0.73828125,"punctuated_word":"properties,","sentiment":"neutral","sentiment_score":0.0323149636387825},{"word":"one","start":156.81499,"end":156.97499,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.057530876249074936},{"word":"in","start":156.97499,"end":157.215,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0462850034236908},{"word":"estuary","start":157.215,"end":157.715,"confidence":0.96313477,"punctuated_word":"Estuary","sentiment":"neutral","sentiment_score":0.04042805731296539},{"word":"and","start":157.775,"end":157.935,"confidence":0.90234375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04645433649420738},{"word":"the","start":157.935,"end":158.09499,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05327229201793671},{"word":"other","start":158.09499,"end":158.33499,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.04732127860188484},{"word":"one","start":158.33499,"end":158.575,"confidence":0.9970703,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.05589081346988678},{"word":"in","start":158.575,"end":158.81499,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04511965811252594},{"word":"karratha","start":158.81499,"end":159.31499,"confidence":0.8781738,"punctuated_word":"Karratha.","sentiment":"neutral","sentiment_score":0.05639520660042763},{"word":"is","start":159.53499,"end":159.69499,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.021498775109648705},{"word":"there","start":159.69499,"end":159.855,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.02634952776134014},{"word":"any","start":159.855,"end":160.09499,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.020009510219097137},{"word":"additional","start":160.09499,"end":160.575,"confidence":0.9921875,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.012999474070966244},{"word":"to","start":160.575,"end":160.655,"confidence":0.6855469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.017070557922124863},{"word":"those","start":160.655,"end":160.89499,"confidence":0.9970703,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.021030720323324203},{"word":"that","start":160.89499,"end":161.055,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.005724357441067696},{"word":"we","start":161.055,"end":161.215,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.020478392019867897},{"word":"would","start":161.215,"end":161.375,"confidence":0.9970703,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.02351750060915947},{"word":"already","start":161.375,"end":161.69499,"confidence":0.9980469,"punctuated_word":"already","sentiment":"neutral","sentiment_score":-0.028721719980239868},{"word":"have","start":161.69499,"end":161.855,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.022154098376631737},{"word":"noted","start":161.855,"end":162.25499,"confidence":0.85498047,"punctuated_word":"noted?","sentiment":"neutral","sentiment_score":-0.030145958065986633},{"word":"or","start":162.25499,"end":162.575,"confidence":0.9790039,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.014812991954386234},{"word":"yeah","start":163.135,"end":163.635,"confidence":0.6900635,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01358181331306696},{"word":"that's","start":170.29,"end":170.79,"confidence":0.7064209,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.057325296103954315},{"word":"alright","start":171.04999,"end":171.54999,"confidence":0.9748535,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":-0.07413904368877411},{"word":"yeah","start":171.81,"end":172.31,"confidence":0.9790039,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04728058725595474},{"word":"fantastic","start":175.09,"end":175.59,"confidence":0.9941406,"punctuated_word":"Fantastic.","sentiment":"neutral","sentiment_score":0.1101856529712677},{"word":"no","start":175.89,"end":176.04999,"confidence":0.9926758,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.04082474485039711},{"word":"well","start":176.04999,"end":176.20999,"confidence":0.99658203,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.11402534693479538},{"word":"that's","start":176.20999,"end":176.53,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2011791318655014},{"word":"fantastic","start":176.53,"end":177.03,"confidence":0.99853516,"punctuated_word":"fantastic.","sentiment":"neutral","sentiment_score":0.2892405390739441},{"word":"good","start":177.17,"end":177.40999,"confidence":1.0,"punctuated_word":"Good","sentiment":"neutral","sentiment_score":0.24986618757247925},{"word":"to","start":177.40999,"end":177.56999,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3093506097793579},{"word":"hear","start":177.56999,"end":178.06999,"confidence":1.0,"punctuated_word":"hear.","sentiment":"neutral","sentiment_score":0.2787182331085205},{"word":"is","start":178.365,"end":178.525,"confidence":0.9892578,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.07065524905920029},{"word":"there","start":178.525,"end":178.605,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.07031968981027603},{"word":"any","start":178.605,"end":178.845,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.06084404140710831},{"word":"plans","start":178.845,"end":179.165,"confidence":0.9980469,"punctuated_word":"plans","sentiment":"neutral","sentiment_score":0.04060720279812813},{"word":"to","start":179.165,"end":179.325,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04334115609526634},{"word":"purchase","start":179.325,"end":179.725,"confidence":1.0,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":0.02884998545050621},{"word":"more","start":179.725,"end":179.885,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.007475011050701141},{"word":"properties","start":179.885,"end":180.365,"confidence":1.0,"punctuated_word":"properties","sentiment":"neutral","sentiment_score":0.05738503485918045},{"word":"down","start":180.365,"end":180.605,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.05452609434723854},{"word":"the","start":180.605,"end":180.685,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0879877582192421},{"word":"track","start":180.685,"end":180.925,"confidence":0.8798828,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":0.06343851238489151},{"word":"or","start":180.925,"end":181.085,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03839181736111641},{"word":"are","start":181.085,"end":181.165,"confidence":0.50341797,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.04157828539609909},{"word":"you","start":181.165,"end":181.325,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06731028854846954},{"word":"just","start":181.325,"end":181.485,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07428370416164398},{"word":"sort","start":181.485,"end":181.60501,"confidence":0.99609375,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.06994105875492096},{"word":"of","start":181.60501,"end":181.725,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05440801382064819},{"word":"seeing","start":181.725,"end":181.965,"confidence":0.99609375,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":0.06629599630832672},{"word":"how","start":181.965,"end":182.205,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.055209800601005554},{"word":"these","start":182.205,"end":182.365,"confidence":0.99902344,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.05654466897249222},{"word":"ones","start":182.365,"end":182.685,"confidence":0.99316406,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":0.05490238592028618},{"word":"go","start":182.685,"end":183.085,"confidence":0.96484375,"punctuated_word":"go?","sentiment":"neutral","sentiment_score":0.04517877846956253},{"word":"or","start":183.085,"end":183.405,"confidence":0.9013672,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.0054139140993356705},{"word":"yeah","start":193.18,"end":193.68,"confidence":0.6710205,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.051152303814888},{"word":"oh","start":194.22,"end":194.54,"confidence":0.8691406,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.14224772155284882},{"word":"fantastic","start":194.54,"end":195.04,"confidence":0.99853516,"punctuated_word":"fantastic.","sentiment":"neutral","sentiment_score":0.17335167527198792},{"word":"that'd","start":195.26,"end":195.58,"confidence":0.78149414,"punctuated_word":"That'd","sentiment":"neutral","sentiment_score":0.12131202220916748},{"word":"be","start":195.58,"end":195.66,"confidence":0.9941406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.14285407960414886},{"word":"a","start":195.66,"end":195.74,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12883895635604858},{"word":"bit","start":195.74,"end":195.9,"confidence":0.9902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08918413519859314},{"word":"of","start":195.9,"end":196.06,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0978594422340393},{"word":"a","start":196.06,"end":196.14,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0916297361254692},{"word":"process","start":196.14,"end":196.64,"confidence":0.9980469,"punctuated_word":"process","sentiment":"neutral","sentiment_score":0.08446468412876129},{"word":"building","start":196.7,"end":197.1,"confidence":0.5307617,"punctuated_word":"building","sentiment":"neutral","sentiment_score":0.10158252716064452},{"word":"that","start":197.1,"end":197.26,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1449013650417328},{"word":"one","start":197.26,"end":197.76,"confidence":0.9970703,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.12118297815322876},{"word":"fantastic","start":200.94,"end":201.44,"confidence":0.9855957,"punctuated_word":"Fantastic.","sentiment":"neutral","sentiment_score":0.25559478998184204},{"word":"the","start":201.5,"end":201.66,"confidence":0.77001953,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.16541071236133575},{"word":"in","start":201.66,"end":201.9,"confidence":0.98535156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16473570466041565},{"word":"laws","start":201.9,"end":202.06,"confidence":0.99121094,"punctuated_word":"laws","sentiment":"neutral","sentiment_score":0.15717685222625732},{"word":"will","start":202.06,"end":202.22,"confidence":0.72509766,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2453440427780151},{"word":"be","start":202.22,"end":202.38,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.278319388628006},{"word":"moving","start":202.38,"end":202.62,"confidence":1.0,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.26411524415016174},{"word":"in","start":202.62,"end":202.78,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19209447503089905},{"word":"and","start":202.78,"end":203.02,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18264169991016388},{"word":"living","start":203.02,"end":203.26,"confidence":0.99902344,"punctuated_word":"living","sentiment":"neutral","sentiment_score":0.2455323338508606},{"word":"in","start":203.26,"end":203.42,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2809700667858124},{"word":"the","start":203.42,"end":203.5,"confidence":0.96435547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2705376148223877},{"word":"granny","start":203.5,"end":203.9,"confidence":0.9770508,"punctuated_word":"granny","sentiment":"neutral","sentiment_score":0.25489312410354614},{"word":"flat","start":203.9,"end":204.22,"confidence":0.99902344,"punctuated_word":"flat","sentiment":"neutral","sentiment_score":0.26174694299697876},{"word":"and","start":204.22,"end":204.645,"confidence":0.9614258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.239395335316658},{"word":"helping","start":204.725,"end":205.045,"confidence":0.99609375,"punctuated_word":"helping","sentiment":"neutral","sentiment_score":0.28164729475975037},{"word":"out","start":205.045,"end":205.08499,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.26772940158843994},{"word":"a","start":205.08499,"end":205.125,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2481057196855545},{"word":"little","start":205.125,"end":205.285,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.21465660631656647},{"word":"bit","start":205.285,"end":205.60501,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.25992247462272644},{"word":"there","start":205.60501,"end":205.845,"confidence":0.9941406,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.23417064547538757},{"word":"for","start":205.845,"end":205.925,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2202313244342804},{"word":"you","start":205.925,"end":206.425,"confidence":0.8964844,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.1527189016342163},{"word":"yeah","start":208.645,"end":209.125,"confidence":0.99365234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17183780670166016},{"word":"beautiful","start":209.125,"end":209.625,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.3866465985774994},{"word":"excellent","start":209.765,"end":210.265,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.4365389049053192},{"word":"good","start":210.725,"end":210.965,"confidence":0.9921875,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.4178774356842041},{"word":"to","start":210.965,"end":211.125,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4693472981452942},{"word":"see","start":211.125,"end":211.625,"confidence":0.99902344,"punctuated_word":"see.","sentiment":"positive","sentiment_score":0.4180792570114136},{"word":"we","start":211.925,"end":212.16501,"confidence":0.62597656,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.2017052173614502},{"word":"had","start":212.16501,"end":212.325,"confidence":0.73095703,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.19706055521965027},{"word":"a","start":212.325,"end":212.485,"confidence":0.45361328,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17093798518180847},{"word":"note","start":212.485,"end":212.645,"confidence":0.43676758,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.1664169281721115},{"word":"here","start":212.645,"end":212.965,"confidence":0.6298828,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.1358945220708847},{"word":"that","start":212.965,"end":213.125,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1411024034023285},{"word":"you","start":213.125,"end":213.285,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13061347603797913},{"word":"were","start":213.285,"end":213.445,"confidence":0.796875,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.13272258639335632},{"word":"also","start":213.445,"end":213.845,"confidence":0.8222656,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1414504200220108},{"word":"had","start":213.845,"end":214.345,"confidence":0.7758789,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.16076955199241638},{"word":"another","start":214.405,"end":214.80501,"confidence":0.92333984,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.20214979350566864},{"word":"medium","start":214.80501,"end":215.125,"confidence":0.9819336,"punctuated_word":"medium","sentiment":"neutral","sentiment_score":0.17115738987922668},{"word":"term","start":215.125,"end":215.365,"confidence":0.9980469,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.21443432569503784},{"word":"goal","start":215.365,"end":215.685,"confidence":0.9980469,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.16825437545776367},{"word":"of","start":215.685,"end":215.925,"confidence":0.77685547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16869854927062988},{"word":"looking","start":215.925,"end":216.325,"confidence":0.875,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.186709925532341},{"word":"to","start":216.325,"end":216.66,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1523176282644272},{"word":"study","start":216.82,"end":217.14,"confidence":1.0,"punctuated_word":"study","sentiment":"neutral","sentiment_score":0.17555750906467438},{"word":"or","start":217.14,"end":217.38,"confidence":0.96240234,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.13669896125793457},{"word":"that","start":217.38,"end":217.46,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16422490775585177},{"word":"you","start":217.46,"end":217.7,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14761465787887573},{"word":"were","start":217.7,"end":217.94,"confidence":1.0,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.11769545078277588},{"word":"studying","start":217.94,"end":218.26001,"confidence":0.96191406,"punctuated_word":"studying.","sentiment":"neutral","sentiment_score":0.09177666902542114},{"word":"i'm","start":218.26001,"end":218.42,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2310376614332199},{"word":"so","start":218.42,"end":218.66,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.3148057758808136},{"word":"sorry","start":218.66,"end":218.78,"confidence":0.9904785,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.3187814950942993},{"word":"it","start":218.78,"end":218.90001,"confidence":0.5620117,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.30290669202804565},{"word":"just","start":218.90001,"end":219.14,"confidence":0.95947266,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2635113000869751},{"word":"says","start":219.14,"end":219.3,"confidence":0.98535156,"punctuated_word":"says","sentiment":"neutral","sentiment_score":-0.22802186012268064},{"word":"study","start":219.3,"end":219.62001,"confidence":0.96240234,"punctuated_word":"study","sentiment":"negative","sentiment_score":-0.36069485545158386},{"word":"is","start":219.62001,"end":219.7,"confidence":0.85839844,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.28330665826797485},{"word":"a","start":219.7,"end":219.86,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2199648916721344},{"word":"long","start":219.86,"end":220.1,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.1981230825185776},{"word":"term","start":220.1,"end":220.34,"confidence":1.0,"punctuated_word":"term","sentiment":"neutral","sentiment_score":-0.15876814723014832},{"word":"goal","start":220.34,"end":220.84,"confidence":1.0,"punctuated_word":"goal.","sentiment":"neutral","sentiment_score":-0.20230871438980105},{"word":"are","start":221.3,"end":221.54001,"confidence":0.62353516,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.07547394186258316},{"word":"you","start":221.54001,"end":221.62001,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05981949716806412},{"word":"currently","start":221.62001,"end":222.12001,"confidence":1.0,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.05529358983039856},{"word":"taking","start":222.26001,"end":222.58,"confidence":0.9921875,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.057033222168684006},{"word":"on","start":222.58,"end":222.74,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0656995102763176},{"word":"any","start":222.74,"end":222.90001,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.05376113951206207},{"word":"additional","start":222.90001,"end":223.3,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.0882241353392601},{"word":"studies","start":223.3,"end":223.7,"confidence":0.9104004,"punctuated_word":"studies,","sentiment":"neutral","sentiment_score":-0.11556478589773178},{"word":"or","start":223.7,"end":223.86,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08493980020284653},{"word":"is","start":223.86,"end":223.94,"confidence":0.98828125,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07586273550987244},{"word":"it","start":223.94,"end":224.02,"confidence":0.9902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06056686118245125},{"word":"something","start":224.02,"end":224.34,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.08998946100473404},{"word":"you're","start":224.34,"end":224.5,"confidence":0.94384766,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.0958787053823471},{"word":"wanting","start":224.5,"end":224.74,"confidence":0.99902344,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.12637153267860413},{"word":"to","start":224.74,"end":224.90001,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11269191652536392},{"word":"do","start":224.90001,"end":224.98001,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.09171448647975922},{"word":"down","start":224.98001,"end":225.22,"confidence":0.8051758,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.07367207854986191},{"word":"the","start":225.22,"end":225.3,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08661852777004242},{"word":"track","start":225.3,"end":225.8,"confidence":0.9975586,"punctuated_word":"track?","sentiment":"neutral","sentiment_score":-0.06347104161977768},{"word":"yes","start":231.315,"end":231.815,"confidence":0.8835449,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.015239600092172624},{"word":"no","start":231.875,"end":232.115,"confidence":0.9616699,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.016073595732450485},{"word":"that's","start":232.115,"end":232.435,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.03220387548208237},{"word":"okay","start":232.435,"end":232.835,"confidence":0.99902344,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.02198314480483532},{"word":"not","start":232.835,"end":232.995,"confidence":0.99902344,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.08751799166202545},{"word":"a","start":232.995,"end":233.075,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08486754447221756},{"word":"problem","start":233.075,"end":233.395,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.10746552050113678},{"word":"at","start":233.395,"end":233.55501,"confidence":0.99121094,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08942748606204987},{"word":"all","start":233.55501,"end":233.715,"confidence":1.0,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.0932738184928894},{"word":"is","start":233.715,"end":233.875,"confidence":0.9980469,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.00822146050632},{"word":"it","start":233.875,"end":233.955,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.022508654743433},{"word":"more","start":233.955,"end":234.195,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.02447827160358429},{"word":"just","start":234.195,"end":234.695,"confidence":0.984375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0298113115131855},{"word":"a","start":234.755,"end":234.91501,"confidence":0.66259766,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.023151811212301254},{"word":"study","start":234.91501,"end":235.155,"confidence":0.9892578,"punctuated_word":"study","sentiment":"neutral","sentiment_score":0.007181059569120407},{"word":"on","start":235.155,"end":235.315,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.013616394251585008},{"word":"top","start":235.315,"end":235.475,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.0024180151522159576},{"word":"of","start":235.475,"end":235.63501,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01683962345123291},{"word":"what","start":235.63501,"end":235.795,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.004826227203011513},{"word":"you're","start":235.795,"end":236.035,"confidence":0.93652344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.005735479295253754},{"word":"currently","start":236.035,"end":236.355,"confidence":1.0,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.0009345561265945436},{"word":"doing","start":236.355,"end":236.675,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.0014293622225522995},{"word":"for","start":236.675,"end":236.835,"confidence":0.9550781,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.00012311525642871857},{"word":"work","start":236.835,"end":237.155,"confidence":0.89208984,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":0.0046945903450250626},{"word":"or","start":237.155,"end":237.395,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0113960113376379},{"word":"is","start":237.395,"end":237.55501,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.006342286244034767},{"word":"it","start":237.55501,"end":237.715,"confidence":0.89746094,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.002355874516069889},{"word":"like","start":237.715,"end":237.955,"confidence":1.0,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.00817720964550972},{"word":"additional","start":237.955,"end":238.435,"confidence":0.99902344,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.0150180421769619},{"word":"another","start":238.91501,"end":239.395,"confidence":0.9633789,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.015818750485777855},{"word":"area","start":239.395,"end":239.795,"confidence":1.0,"punctuated_word":"area","sentiment":"neutral","sentiment_score":-0.0024143606424331665},{"word":"to","start":239.795,"end":239.955,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01724901981651783},{"word":"study","start":239.955,"end":240.455,"confidence":0.9995117,"punctuated_word":"study?","sentiment":"neutral","sentiment_score":-0.019258614629507065},{"word":"building","start":246.45,"end":246.85,"confidence":0.88012695,"punctuated_word":"Building.","sentiment":"neutral","sentiment_score":0.01850607618689537},{"word":"yeah","start":246.85,"end":247.25,"confidence":0.9370117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09242510795593262},{"word":"beautiful","start":247.25,"end":247.75,"confidence":0.9970703,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4171517789363861},{"word":"yes","start":248.21,"end":248.71,"confidence":0.83496094,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10430211573839188},{"word":"oh","start":253.745,"end":253.985,"confidence":0.8684082,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.386404812335968},{"word":"beautiful","start":253.985,"end":254.485,"confidence":0.99853516,"punctuated_word":"beautiful.","sentiment":"positive","sentiment_score":0.6181303262710571},{"word":"lovely","start":254.785,"end":255.285,"confidence":1.0,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.6543667316436768},{"word":"excellent","start":255.505,"end":256.005,"confidence":0.99902344,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5916674137115479},{"word":"and","start":256.865,"end":257.105,"confidence":0.7080078,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.26987478137016296},{"word":"i","start":257.105,"end":257.265,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20880821347236633},{"word":"had","start":257.265,"end":257.425,"confidence":0.76464844,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.1822981983423233},{"word":"your","start":257.425,"end":257.665,"confidence":0.94384766,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16772210597991943},{"word":"income","start":257.665,"end":258.065,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.21306267380714417},{"word":"last","start":258.065,"end":258.305,"confidence":0.98828125,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.07032962143421173},{"word":"year","start":258.305,"end":258.385,"confidence":0.6783447,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.10933554172515868},{"word":"it's","start":258.385,"end":258.545,"confidence":0.9284668,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.07930910587310791},{"word":"about","start":258.545,"end":258.785,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08299977332353592},{"word":"140,000","start":258.785,"end":260.145,"confidence":0.9993164,"punctuated_word":"140,000.","sentiment":"neutral","sentiment_score":0.08689233660697937},{"word":"is","start":260.145,"end":260.305,"confidence":0.49804688,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.018942859023809433},{"word":"your","start":260.305,"end":260.545,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.024704983457922935},{"word":"income","start":260.545,"end":260.945,"confidence":0.9941406,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.05201910436153412},{"word":"increased","start":260.945,"end":261.345,"confidence":0.80126953,"punctuated_word":"increased","sentiment":"neutral","sentiment_score":0.03645678237080574},{"word":"since","start":261.345,"end":261.585,"confidence":0.9980469,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.014377836138010023},{"word":"we","start":261.585,"end":261.825,"confidence":0.9941406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.018364137038588524},{"word":"last","start":261.825,"end":262.065,"confidence":0.9160156,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.01110910065472126},{"word":"sort","start":262.065,"end":262.225,"confidence":0.4008789,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.016374900937080383},{"word":"of","start":262.225,"end":262.385,"confidence":0.9160156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.012650543823838234},{"word":"caught","start":262.385,"end":262.625,"confidence":0.45361328,"punctuated_word":"caught","sentiment":"neutral","sentiment_score":0.03442724049091339},{"word":"up","start":262.625,"end":262.945,"confidence":0.6109619,"punctuated_word":"up?","sentiment":"neutral","sentiment_score":0.02011672779917717},{"word":"or","start":262.945,"end":263.445,"confidence":0.8027344,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.00939178466796875},{"word":"not","start":265.84,"end":266.24,"confidence":0.34594727,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.02632104605436325},{"word":"the","start":266.24,"end":266.48,"confidence":0.92578125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.016756907105445862},{"word":"same","start":266.48,"end":266.98,"confidence":0.9765625,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.01685337722301483},{"word":"yep","start":268.0,"end":268.32,"confidence":0.9091797,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.026410330086946487},{"word":"no","start":268.32,"end":268.56,"confidence":0.97680664,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.0021544992923736572},{"word":"that's","start":268.56,"end":268.88,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.05753634497523308},{"word":"okay","start":268.88,"end":269.38,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.08553522080183029},{"word":"all","start":269.44,"end":269.68,"confidence":0.9921875,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.29997095465660095},{"word":"good","start":269.68,"end":270.18,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2697553038597107},{"word":"i","start":270.32,"end":270.48,"confidence":0.81152344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0008429177105426788},{"word":"will","start":270.48,"end":270.72,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.030331868678331375},{"word":"apologize","start":270.72,"end":271.12,"confidence":0.96240234,"punctuated_word":"apologize","sentiment":"neutral","sentiment_score":-0.07832508534193039},{"word":"in","start":271.12,"end":271.28,"confidence":0.50634766,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02856110781431198},{"word":"advance","start":271.28,"end":271.6,"confidence":0.9980469,"punctuated_word":"advance","sentiment":"neutral","sentiment_score":-0.016430556774139404},{"word":"there","start":271.6,"end":271.76,"confidence":0.70666504,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.014171212911605837},{"word":"jade","start":271.76,"end":272.08,"confidence":0.91625977,"punctuated_word":"Jade.","sentiment":"neutral","sentiment_score":-0.027615152299404144},{"word":"it","start":272.08,"end":272.16,"confidence":0.9921875,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.001971464604139328},{"word":"does","start":272.16,"end":272.48,"confidence":0.9951172,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.01310977339744568},{"word":"look","start":272.48,"end":272.64,"confidence":0.99609375,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0030224546790122986},{"word":"like","start":272.64,"end":272.88,"confidence":0.9941406,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.016682084649801254},{"word":"your","start":272.88,"end":273.28,"confidence":0.9370117,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.036196961998939514},{"word":"the","start":273.36,"end":273.6,"confidence":0.9453125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.047258876264095306},{"word":"annual","start":273.6,"end":273.92,"confidence":0.68359375,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":-0.035342663526535034},{"word":"review","start":273.92,"end":274.16,"confidence":0.9819336,"punctuated_word":"review","sentiment":"neutral","sentiment_score":-0.050620272755622864},{"word":"pack","start":274.16,"end":274.4,"confidence":0.7988281,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":-0.05717509984970093},{"word":"is","start":274.4,"end":274.56,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04545585811138153},{"word":"coming","start":274.56,"end":274.88,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.054374370723962784},{"word":"through","start":274.88,"end":275.04,"confidence":0.920166,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":-0.06344263255596161},{"word":"it's","start":275.04,"end":275.28,"confidence":0.9926758,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.13072195649147034},{"word":"just","start":275.28,"end":275.44,"confidence":0.98535156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.11092952638864516},{"word":"not","start":275.44,"end":275.6,"confidence":0.9941406,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.18691618740558624},{"word":"sending","start":275.6,"end":276.0,"confidence":0.9970703,"punctuated_word":"sending","sentiment":"neutral","sentiment_score":-0.1940310001373291},{"word":"at","start":276.0,"end":276.08,"confidence":0.97314453,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.20071923732757568},{"word":"the","start":276.08,"end":276.24,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20182263851165771},{"word":"moment","start":276.24,"end":276.56,"confidence":0.9379883,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.21731498837471008},{"word":"so","start":276.56,"end":276.72,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.13099907338619232},{"word":"after","start":276.72,"end":276.96,"confidence":0.9970703,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.14459991455078125},{"word":"the","start":276.96,"end":277.12,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10055533796548843},{"word":"call","start":277.12,"end":277.28,"confidence":0.8305664,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":-0.10752229392528534},{"word":"if","start":277.28,"end":277.36,"confidence":0.6948242,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.11779622733592988},{"word":"it's","start":277.36,"end":277.52,"confidence":0.94750977,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.11880570650100708},{"word":"okay","start":277.52,"end":277.76,"confidence":0.9223633,"punctuated_word":"okay,","sentiment":"neutral","sentiment_score":-0.13575296103954315},{"word":"i'll","start":277.76,"end":277.92,"confidence":0.9770508,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.13015294075012207},{"word":"just","start":277.92,"end":278.16,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0893629714846611},{"word":"have","start":278.16,"end":278.32,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1308402121067047},{"word":"to","start":278.32,"end":278.4,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12428148090839386},{"word":"go","start":278.4,"end":278.64,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.11806491017341614},{"word":"back","start":278.64,"end":278.8,"confidence":0.9970703,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.10793950408697128},{"word":"in","start":278.8,"end":279.04,"confidence":0.9892578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11427268385887146},{"word":"and","start":279.04,"end":279.285,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1408647447824478},{"word":"see","start":279.365,"end":279.525,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.14371642470359802},{"word":"what","start":279.525,"end":279.685,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.15049976110458374},{"word":"the","start":279.685,"end":279.765,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17426258325576782},{"word":"it","start":279.765,"end":280.165,"confidence":0.93115234,"punctuated_word":"IT","sentiment":"neutral","sentiment_score":-0.2101246565580368},{"word":"issue","start":280.165,"end":280.405,"confidence":0.9902344,"punctuated_word":"issue","sentiment":"neutral","sentiment_score":-0.1350909173488617},{"word":"is","start":280.405,"end":280.565,"confidence":0.9838867,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.16803623735904694},{"word":"and","start":280.565,"end":280.725,"confidence":0.9633789,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1457335352897644},{"word":"resend","start":280.725,"end":281.045,"confidence":0.9838867,"punctuated_word":"resend","sentiment":"neutral","sentiment_score":-0.133178249001503},{"word":"it","start":281.045,"end":281.20502,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.10691356658935548},{"word":"out","start":281.20502,"end":281.365,"confidence":0.97998047,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.07484345138072968},{"word":"to","start":281.365,"end":281.445,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09278475493192671},{"word":"you","start":281.445,"end":281.525,"confidence":0.9597168,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.1026747152209282},{"word":"so","start":281.525,"end":281.685,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0505499541759491},{"word":"i","start":281.685,"end":281.765,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05719225853681564},{"word":"do","start":281.765,"end":282.005,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.047825753688812256},{"word":"apologize","start":282.005,"end":282.48502,"confidence":1.0,"punctuated_word":"apologize","sentiment":"neutral","sentiment_score":-0.057800378650426865},{"word":"that","start":282.48502,"end":282.645,"confidence":0.90234375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03527161106467247},{"word":"it's","start":282.645,"end":282.805,"confidence":0.98339844,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.05407801270484924},{"word":"probably","start":282.805,"end":283.20502,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.08864481747150421},{"word":"not","start":283.20502,"end":283.445,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.07035290449857712},{"word":"coming","start":283.445,"end":283.605,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.038965076208114624},{"word":"through","start":283.605,"end":283.765,"confidence":0.92822266,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.02615386992692947},{"word":"with","start":283.765,"end":283.845,"confidence":0.43603516,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.028809020295739177},{"word":"you","start":283.845,"end":284.005,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03180931508541107},{"word":"at","start":284.005,"end":284.08502,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03546050935983658},{"word":"the","start":284.08502,"end":284.165,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.028387485072016716},{"word":"moment","start":284.165,"end":284.665,"confidence":1.0,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.02504434809088707},{"word":"oh","start":285.20502,"end":285.445,"confidence":0.9902344,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.022373579442501068},{"word":"you","start":285.445,"end":285.605,"confidence":0.9902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02220575138926506},{"word":"have","start":285.605,"end":286.105,"confidence":0.98657227,"punctuated_word":"have?","sentiment":"neutral","sentiment_score":-0.02209097519516945},{"word":"that's","start":286.805,"end":287.125,"confidence":0.99658203,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.20312142372131348},{"word":"so","start":287.125,"end":287.365,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.25800567865371704},{"word":"bizarre","start":287.365,"end":287.865,"confidence":0.9970703,"punctuated_word":"bizarre.","sentiment":"neutral","sentiment_score":-0.2627158761024475},{"word":"says","start":288.085,"end":288.325,"confidence":0.5683594,"punctuated_word":"Says","sentiment":"neutral","sentiment_score":-0.15764674544334412},{"word":"here","start":288.325,"end":288.48502,"confidence":0.8798828,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.12827813625335693},{"word":"that","start":288.48502,"end":288.805,"confidence":0.9580078,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1335427463054657},{"word":"it's","start":288.805,"end":289.20502,"confidence":0.9526367,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1446802318096161},{"word":"not","start":289.20502,"end":289.445,"confidence":0.99609375,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.14687472581863403},{"word":"sending","start":289.445,"end":289.945,"confidence":0.98657227,"punctuated_word":"sending.","sentiment":"neutral","sentiment_score":-0.19430416822433472},{"word":"very","start":290.405,"end":290.805,"confidence":0.99902344,"punctuated_word":"Very","sentiment":"neutral","sentiment_score":-0.2930162250995636},{"word":"strange","start":290.805,"end":291.305,"confidence":1.0,"punctuated_word":"strange.","sentiment":"neutral","sentiment_score":-0.22267355024814608},{"word":"that's","start":295.88,"end":296.2,"confidence":0.92578125,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.16080795228481293},{"word":"probably","start":296.2,"end":296.68,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.1517249196767807},{"word":"it","start":296.68,"end":296.84,"confidence":0.9855957,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.13732348382472992},{"word":"yeah","start":296.84,"end":297.08,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05664893239736557},{"word":"it","start":297.08,"end":297.24,"confidence":0.9980469,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.09755773842334747},{"word":"just","start":297.24,"end":297.48,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.10259565711021423},{"word":"keeps","start":297.48,"end":297.72,"confidence":0.99902344,"punctuated_word":"keeps","sentiment":"neutral","sentiment_score":-0.1423293948173523},{"word":"telling","start":297.72,"end":297.88,"confidence":1.0,"punctuated_word":"telling","sentiment":"neutral","sentiment_score":-0.07144545018672943},{"word":"me","start":297.88,"end":298.38,"confidence":0.99609375,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.06838107109069824},{"word":"there's","start":299.48,"end":299.72,"confidence":0.8730469,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.08062669634819031},{"word":"some","start":299.72,"end":299.96,"confidence":0.9902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.06519941985607147},{"word":"fields","start":299.96,"end":300.36,"confidence":0.98095703,"punctuated_word":"fields","sentiment":"neutral","sentiment_score":-0.0453546978533268},{"word":"missing","start":300.36,"end":300.68,"confidence":0.7609863,"punctuated_word":"missing,","sentiment":"neutral","sentiment_score":-0.09526579827070236},{"word":"and","start":300.68,"end":300.84,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12101569771766664},{"word":"it's","start":300.84,"end":301.0,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1329447627067566},{"word":"not","start":301.0,"end":301.24,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1357472538948059},{"word":"sending","start":301.24,"end":301.56,"confidence":0.9914551,"punctuated_word":"sending.","sentiment":"neutral","sentiment_score":-0.1038655936717987},{"word":"so","start":301.56,"end":301.72,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07419358938932419},{"word":"if","start":301.72,"end":301.88,"confidence":0.94140625,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.21539101004600525},{"word":"it's","start":301.88,"end":301.96,"confidence":0.9765625,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.16105034947395325},{"word":"come","start":301.96,"end":302.2,"confidence":0.9902344,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.1857164651155472},{"word":"through","start":302.2,"end":302.44,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.16149553656578064},{"word":"to","start":302.44,"end":302.52,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16174329817295074},{"word":"you","start":302.52,"end":302.76,"confidence":0.9946289,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.13884824514389038},{"word":"that","start":302.76,"end":302.92,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3532243072986603},{"word":"is","start":302.92,"end":303.16,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3473992347717285},{"word":"fantastic","start":303.16,"end":303.66,"confidence":1.0,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.35249799489974976},{"word":"thank","start":303.8,"end":304.04,"confidence":1.0,"punctuated_word":"Thank","sentiment":"neutral","sentiment_score":0.333082377910614},{"word":"you","start":304.04,"end":304.28,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2414570301771164},{"word":"sorry","start":304.28,"end":304.52,"confidence":1.0,"punctuated_word":"Sorry","sentiment":"neutral","sentiment_score":0.0032629668712615967},{"word":"about","start":304.52,"end":304.76,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06397733837366104},{"word":"that","start":304.76,"end":305.26,"confidence":1.0,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.08478173613548279},{"word":"love","start":305.67502,"end":305.99503,"confidence":0.99609375,"punctuated_word":"Love","sentiment":"neutral","sentiment_score":0.137386292219162},{"word":"technology","start":305.99503,"end":306.49503,"confidence":0.9790039,"punctuated_word":"technology","sentiment":"neutral","sentiment_score":0.014066046103835106},{"word":"when","start":306.635,"end":306.875,"confidence":0.97509766,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.028833579272031784},{"word":"it","start":306.875,"end":306.95502,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.037628449499607086},{"word":"wants","start":306.95502,"end":307.195,"confidence":0.9970703,"punctuated_word":"wants","sentiment":"neutral","sentiment_score":-0.04300688952207565},{"word":"to","start":307.195,"end":307.435,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.007478989660739899},{"word":"work","start":307.435,"end":307.935,"confidence":1.0,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":-0.006106642074882984},{"word":"no","start":309.035,"end":309.355,"confidence":0.99560547,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.0036944877356290817},{"word":"you're","start":309.355,"end":309.595,"confidence":0.99902344,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.06276129186153412},{"word":"absolutely","start":309.595,"end":310.095,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.2134048342704773},{"word":"fine","start":310.39502,"end":310.875,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.19839595258235931},{"word":"beautiful","start":310.875,"end":311.375,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.31919676065444946},{"word":"yeah","start":312.23502,"end":312.73502,"confidence":0.9885254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12581627070903778},{"word":"all","start":314.635,"end":314.875,"confidence":0.9863281,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.18351906538009644},{"word":"good","start":314.875,"end":315.375,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.0413520447909832},{"word":"yep","start":317.515,"end":318.015,"confidence":0.99853516,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02180969715118408},{"word":"yeah","start":320.71,"end":321.11,"confidence":0.9536133,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.024115893989801407},{"word":"so","start":321.11,"end":321.35,"confidence":0.98291016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02511836215853691},{"word":"if","start":321.35,"end":321.43,"confidence":0.9448242,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03640677034854889},{"word":"you","start":321.43,"end":321.50998,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03396641090512276},{"word":"open","start":321.50998,"end":321.75,"confidence":0.93847656,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.03783007711172104},{"word":"the","start":321.75,"end":321.99,"confidence":0.83203125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03039170429110527},{"word":"attachments","start":321.99,"end":322.47,"confidence":0.9770508,"punctuated_word":"attachments","sentiment":"neutral","sentiment_score":0.018503565341234207},{"word":"there","start":322.47,"end":322.71,"confidence":0.9807129,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.03159897029399872},{"word":"you'll","start":322.71,"end":322.94998,"confidence":1.0,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.03719668090343475},{"word":"see","start":322.94998,"end":323.19,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.03303937241435051},{"word":"one","start":323.19,"end":323.35,"confidence":0.95947266,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.028483953326940536},{"word":"of","start":323.35,"end":323.43,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.017592960968613625},{"word":"those","start":323.43,"end":323.75,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.0243650171905756},{"word":"attachments","start":323.75,"end":324.25,"confidence":0.99902344,"punctuated_word":"attachments","sentiment":"neutral","sentiment_score":0.020473619922995567},{"word":"is","start":324.38998,"end":324.71,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.039429426193237305},{"word":"your","start":324.71,"end":325.21,"confidence":0.9580078,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0580209344625473},{"word":"superannuation","start":325.27,"end":325.77,"confidence":0.9947917,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.04359438642859459},{"word":"and","start":325.99,"end":326.15,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03014388680458069},{"word":"insurance","start":326.15,"end":326.65,"confidence":0.9951172,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.035565152764320374},{"word":"summary","start":326.71,"end":327.11,"confidence":1.0,"punctuated_word":"summary","sentiment":"neutral","sentiment_score":0.019938206300139427},{"word":"there","start":327.11,"end":327.35,"confidence":0.9875488,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.03439634293317795},{"word":"so","start":327.35,"end":327.66998,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03662903979420662},{"word":"having","start":327.66998,"end":327.91,"confidence":0.98828125,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.03264256939291954},{"word":"a","start":327.91,"end":328.07,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06339958310127258},{"word":"look","start":328.07,"end":328.31,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.03785373270511627},{"word":"back","start":328.31,"end":328.55,"confidence":0.9980469,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.05527171492576599},{"word":"now","start":328.55,"end":328.78998,"confidence":0.68847656,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.05072613060474396},{"word":"we","start":328.78998,"end":328.94998,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0618915893137455},{"word":"did","start":328.94998,"end":329.19,"confidence":0.9741211,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.05713591352105141},{"word":"sort","start":329.19,"end":329.43,"confidence":0.9873047,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.020903661847114563},{"word":"of","start":329.43,"end":329.50998,"confidence":0.7631836,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.033866237848997116},{"word":"catch","start":329.50998,"end":329.75,"confidence":1.0,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.02465227246284485},{"word":"up","start":329.75,"end":329.83,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.026650695130228996},{"word":"and","start":329.83,"end":329.99,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.025242727249860764},{"word":"do","start":329.99,"end":330.15,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.037781111896038055},{"word":"a","start":330.15,"end":330.31,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03997255116701126},{"word":"review","start":330.31,"end":330.81,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.03234907239675522},{"word":"around","start":330.94998,"end":331.27,"confidence":0.9941406,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.019123712554574013},{"word":"about","start":331.27,"end":331.59,"confidence":0.9951172,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.01729488931596279},{"word":"november","start":331.59,"end":332.07,"confidence":1.0,"punctuated_word":"November","sentiment":"neutral","sentiment_score":0.029413480311632156},{"word":"last","start":332.07,"end":332.475,"confidence":0.9980469,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.02456490881741047},{"word":"year","start":332.475,"end":332.795,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.033382806926965714},{"word":"there","start":332.795,"end":332.95502,"confidence":0.9682617,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.03294892609119415},{"word":"so","start":332.95502,"end":333.355,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0397973507642746},{"word":"i","start":333.355,"end":333.435,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09909452497959136},{"word":"can","start":333.435,"end":333.595,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0913599207997322},{"word":"see","start":333.595,"end":333.835,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.08682576566934586},{"word":"having","start":333.835,"end":334.075,"confidence":0.7397461,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.06870466470718384},{"word":"a","start":334.075,"end":334.155,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09619837999343872},{"word":"look","start":334.155,"end":334.39502,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.060532279312610626},{"word":"here","start":334.39502,"end":334.715,"confidence":0.765625,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.08526315540075302},{"word":"your","start":334.715,"end":335.035,"confidence":0.8017578,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07528859376907349},{"word":"your","start":335.035,"end":335.355,"confidence":0.91748047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06643788516521454},{"word":"balance","start":335.355,"end":335.755,"confidence":0.9970703,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.0385751947760582},{"word":"and","start":335.755,"end":335.915,"confidence":0.96875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.020393770188093185},{"word":"your","start":335.915,"end":336.155,"confidence":0.97998047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.15598662197589874},{"word":"review","start":336.155,"end":336.475,"confidence":0.96777344,"punctuated_word":"review","sentiment":"neutral","sentiment_score":-0.08705323934555054},{"word":"time","start":336.475,"end":336.795,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.06895866990089417},{"word":"last","start":336.795,"end":337.035,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.14545919001102448},{"word":"year","start":337.035,"end":337.515,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.1756223738193512},{"word":"was","start":337.515,"end":337.755,"confidence":0.9667969,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.13510186970233917},{"word":"about","start":337.755,"end":337.995,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.06931619346141815},{"word":"a","start":337.995,"end":338.155,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06529371440410614},{"word":"hundred","start":338.155,"end":338.475,"confidence":1.0,"punctuated_word":"hundred","sentiment":"neutral","sentiment_score":-0.05813337489962578},{"word":"and","start":338.475,"end":338.635,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09553389996290208},{"word":"two","start":338.635,"end":338.875,"confidence":0.625,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.10667334496974944},{"word":"thousand","start":338.875,"end":339.375,"confidence":0.99902344,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":-0.06731513142585754},{"word":"three","start":339.595,"end":339.915,"confidence":0.9550781,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.06532203406095505},{"word":"hundred","start":339.915,"end":340.155,"confidence":1.0,"punctuated_word":"hundred","sentiment":"neutral","sentiment_score":-0.03654184564948082},{"word":"and","start":340.155,"end":340.39502,"confidence":0.98095703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06654942780733109},{"word":"fifty","start":340.39502,"end":340.715,"confidence":0.9980469,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":-0.03228151053190231},{"word":"two","start":340.715,"end":340.875,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.06155065447092056},{"word":"and","start":340.875,"end":341.115,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07808035612106323},{"word":"fifty","start":341.115,"end":341.435,"confidence":1.0,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":-0.05099191889166832},{"word":"cents","start":341.435,"end":341.755,"confidence":0.9770508,"punctuated_word":"cents","sentiment":"neutral","sentiment_score":-0.027574971318244938},{"word":"there","start":341.755,"end":342.255,"confidence":0.9682617,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0010528657585382462},{"word":"so","start":342.315,"end":342.475,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10932616889476776},{"word":"then","start":342.475,"end":342.715,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.11645736545324326},{"word":"having","start":342.715,"end":342.95502,"confidence":0.9941406,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.26351669430732727},{"word":"a","start":342.95502,"end":343.035,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31725484132766724},{"word":"look","start":343.035,"end":343.195,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.23099470138549805},{"word":"at","start":343.195,"end":343.355,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.3280337154865265},{"word":"your","start":343.355,"end":343.595,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3782511055469513},{"word":"superannuation","start":343.595,"end":344.095,"confidence":0.97005206,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.2752133011817932},{"word":"balance","start":344.39502,"end":344.795,"confidence":0.99902344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.17720937728881836},{"word":"since","start":344.795,"end":345.035,"confidence":0.98535156,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.28461235761642456},{"word":"then","start":345.035,"end":345.535,"confidence":0.99658203,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.23367378115653992},{"word":"it","start":345.84,"end":346.0,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4648852944374085},{"word":"has","start":346.0,"end":346.32,"confidence":1.0,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.35798853635787964},{"word":"definitely","start":346.32,"end":346.80002,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.3801354169845581},{"word":"increased","start":346.80002,"end":347.12,"confidence":0.9394531,"punctuated_word":"increased.","sentiment":"positive","sentiment_score":0.3489493131637573},{"word":"so","start":347.12,"end":347.2,"confidence":0.20544434,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.32409629225730896},{"word":"we","start":347.2,"end":347.36002,"confidence":0.85058594,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.34093689918518066},{"word":"got","start":347.36002,"end":347.6,"confidence":0.734375,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.3675852417945862},{"word":"a","start":347.6,"end":347.68,"confidence":0.9921875,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3405853509902954},{"word":"113,953","start":347.68,"end":350.48,"confidence":0.99696183,"punctuated_word":"113,953","sentiment":"neutral","sentiment_score":0.29146820306777954},{"word":"and","start":350.48,"end":350.80002,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14243298768997192},{"word":"11¢","start":350.80002,"end":351.76,"confidence":0.91967773,"punctuated_word":"11¢."},{"word":"so","start":351.76,"end":352.24002,"confidence":0.9970703,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4585686326026917},{"word":"it","start":352.24002,"end":352.48,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6154559850692749},{"word":"has","start":352.48,"end":352.72,"confidence":1.0,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.6276105046272278},{"word":"definitely","start":352.72,"end":353.2,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.6547982692718506},{"word":"gone","start":353.2,"end":353.52002,"confidence":0.9951172,"punctuated_word":"gone","sentiment":"positive","sentiment_score":0.6695070266723633},{"word":"up","start":353.52002,"end":353.76,"confidence":0.9916992,"punctuated_word":"up,","sentiment":"positive","sentiment_score":0.6132760047912598},{"word":"which","start":353.76,"end":354.0,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.6707703471183777},{"word":"is","start":354.0,"end":354.16,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6251438856124878},{"word":"good","start":354.16,"end":354.66,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3566983640193939},{"word":"i","start":354.96,"end":355.12,"confidence":0.9111328,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.058148398995399475},{"word":"don't","start":355.12,"end":355.28,"confidence":0.99853516,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.00734735606238246},{"word":"know","start":355.28,"end":355.44,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.008454248309135437},{"word":"if","start":355.44,"end":355.52002,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.012077969498932362},{"word":"you","start":355.52002,"end":355.68,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01336602121591568},{"word":"sort","start":355.68,"end":355.92,"confidence":0.9902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.009606361389160156},{"word":"of","start":355.92,"end":356.0,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0022237468510866165},{"word":"look","start":356.0,"end":356.16,"confidence":0.9921875,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.0006511807441711426},{"word":"at","start":356.16,"end":356.24,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.011816974729299544},{"word":"your","start":356.24,"end":356.48,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03052041307091713},{"word":"super","start":356.48,"end":356.88,"confidence":0.984375,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.00035600364208221436},{"word":"very","start":356.88,"end":357.2,"confidence":0.9921875,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.006088728085160255},{"word":"often","start":357.2,"end":357.6,"confidence":1.0,"punctuated_word":"often","sentiment":"neutral","sentiment_score":-0.005042439326643944},{"word":"or","start":357.6,"end":357.92,"confidence":0.97265625,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.007750973105430603},{"word":"hear","start":357.92,"end":358.16,"confidence":0.9892578,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":0.014254458248615263},{"word":"about","start":358.16,"end":358.32,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.011489655822515488},{"word":"what's","start":358.32,"end":358.56,"confidence":0.9995117,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.002076667500659823},{"word":"happening","start":358.56,"end":358.88,"confidence":1.0,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":-0.003234211355447769},{"word":"in","start":358.88,"end":359.12,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.009938253089785576},{"word":"the","start":359.12,"end":359.2,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007614741101861},{"word":"news","start":359.2,"end":359.52002,"confidence":0.4194336,"punctuated_word":"news","sentiment":"neutral","sentiment_score":0.012152684852480888},{"word":"call","start":359.52002,"end":360.02002,"confidence":0.71362305,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.015588678419589996},{"word":"yeah","start":360.815,"end":361.315,"confidence":0.7861328,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04049191623926163},{"word":"yeah","start":364.815,"end":365.315,"confidence":0.9785156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.033475037664175034},{"word":"yeah","start":373.15,"end":373.65,"confidence":0.83740234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02063683606684208},{"word":"yep","start":377.38998,"end":377.88998,"confidence":0.98291016,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.01983877271413803},{"word":"yes","start":385.965,"end":386.465,"confidence":0.77685547,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04360488057136536},{"word":"yes","start":387.645,"end":388.145,"confidence":0.98535156,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.09008759260177612},{"word":"yeah","start":388.285,"end":388.785,"confidence":0.9526367,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2610386908054352},{"word":"absolutely","start":393.405,"end":393.905,"confidence":0.67614746,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.2732263207435608},{"word":"and","start":394.285,"end":394.525,"confidence":0.93115234,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15285158157348633},{"word":"when","start":394.525,"end":394.685,"confidence":0.9970703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.10672373324632645},{"word":"i","start":394.685,"end":394.845,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1139802634716034},{"word":"sort","start":394.845,"end":395.005,"confidence":0.9658203,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.10106803476810455},{"word":"of","start":395.005,"end":395.085,"confidence":0.61376953,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07524880766868591},{"word":"have","start":395.085,"end":395.245,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06468305736780167},{"word":"a","start":395.245,"end":395.325,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07075098156929016},{"word":"look","start":395.325,"end":395.48502,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1284564733505249},{"word":"at","start":395.48502,"end":395.565,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0907711535692215},{"word":"the","start":395.565,"end":395.725,"confidence":0.9770508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10872343182563782},{"word":"graph","start":395.725,"end":395.965,"confidence":0.95825195,"punctuated_word":"graph,","sentiment":"neutral","sentiment_score":0.09030792117118835},{"word":"i","start":395.965,"end":396.125,"confidence":0.9838867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07404787093400955},{"word":"also","start":396.125,"end":396.625,"confidence":0.96240234,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.06573052704334259},{"word":"also","start":396.685,"end":396.845,"confidence":0.40625,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.07440149784088135},{"word":"have","start":396.845,"end":397.005,"confidence":0.9902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09167549014091492},{"word":"a","start":397.005,"end":397.165,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07678882777690887},{"word":"look","start":397.165,"end":397.325,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08304035663604736},{"word":"at","start":397.325,"end":397.48502,"confidence":0.93408203,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0579548254609108},{"word":"what's","start":397.48502,"end":397.725,"confidence":1.0,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.07151052355766296},{"word":"happening","start":397.725,"end":398.225,"confidence":1.0,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":0.11335896700620653},{"word":"globally","start":398.68,"end":399.16,"confidence":1.0,"punctuated_word":"globally","sentiment":"neutral","sentiment_score":0.08134559541940689},{"word":"and","start":399.16,"end":399.32,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0929943025112152},{"word":"look","start":399.32,"end":399.56,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08949358761310577},{"word":"at","start":399.56,"end":399.8,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07173831760883331},{"word":"benchmarks","start":399.8,"end":400.3,"confidence":0.83325195,"punctuated_word":"benchmarks.","sentiment":"neutral","sentiment_score":0.05860824137926102},{"word":"and","start":400.36,"end":400.52,"confidence":0.9116211,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.008541375398635864},{"word":"the","start":400.52,"end":400.68,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03588023781776428},{"word":"benchmark","start":400.68,"end":401.08,"confidence":0.94140625,"punctuated_word":"benchmark","sentiment":"neutral","sentiment_score":0.0556904561817646},{"word":"i","start":401.08,"end":401.24,"confidence":0.9707031,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0889042466878891},{"word":"tend","start":401.24,"end":401.48,"confidence":0.9863281,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":0.06386561691761017},{"word":"to","start":401.48,"end":401.56,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04830676689743996},{"word":"look","start":401.56,"end":401.72,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.05061205476522446},{"word":"at","start":401.72,"end":401.88,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06089354306459427},{"word":"is","start":401.88,"end":402.04,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.054544027894735336},{"word":"the","start":402.04,"end":402.2,"confidence":0.6801758,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07982918620109558},{"word":"all","start":402.2,"end":402.36,"confidence":0.45581055,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.06885015219449997},{"word":"ordinaries","start":402.36,"end":402.84,"confidence":0.8527832,"punctuated_word":"ordinaries,","sentiment":"neutral","sentiment_score":0.06702838838100433},{"word":"and","start":402.84,"end":403.0,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08168284595012665},{"word":"that","start":403.0,"end":403.16,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09895895421504974},{"word":"gives","start":403.16,"end":403.4,"confidence":1.0,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.1177402213215828},{"word":"us","start":403.4,"end":403.48,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.09841063618659972},{"word":"an","start":403.48,"end":403.63998,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06404636055231094},{"word":"idea","start":403.63998,"end":403.84,"confidence":1.0,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.08627032488584518},{"word":"of","start":403.84,"end":404.04,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08522538840770721},{"word":"what","start":404.04,"end":404.28,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1106048747897148},{"word":"the","start":404.28,"end":404.68,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10666313767433168},{"word":"the","start":404.68,"end":404.84,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07781340926885605},{"word":"whole","start":404.84,"end":405.16,"confidence":0.99902344,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":0.10597547888755798},{"word":"asx","start":405.16,"end":405.66,"confidence":0.9797363,"punctuated_word":"ASX","sentiment":"neutral","sentiment_score":0.10400368273258208},{"word":"as","start":405.8,"end":406.04,"confidence":0.9707031,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1189309060573578},{"word":"a","start":406.04,"end":406.2,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.095981165766716},{"word":"whole","start":406.2,"end":406.52,"confidence":0.9980469,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":0.07057569921016693},{"word":"does","start":406.52,"end":406.84,"confidence":0.9812012,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":0.02874124050140381},{"word":"and","start":406.84,"end":407.0,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.019765064120292664},{"word":"your","start":407.0,"end":407.32,"confidence":0.9716797,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.055866777896881104},{"word":"super","start":407.32,"end":407.63998,"confidence":0.96240234,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.019035428762435913},{"word":"has","start":407.63998,"end":407.96,"confidence":0.99316406,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.001447305083274841},{"word":"very","start":407.96,"end":408.2,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.013287201523780824},{"word":"much","start":408.2,"end":408.44,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.05169647932052612},{"word":"gone","start":408.44,"end":408.76,"confidence":0.9741211,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.08238444477319717},{"word":"up","start":408.76,"end":408.91998,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.04455834627151489},{"word":"and","start":408.91998,"end":409.16,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.016162313520908356},{"word":"down","start":409.16,"end":409.56,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.009759441018104551},{"word":"in","start":409.56,"end":409.72,"confidence":0.9863281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06843779981136322},{"word":"line","start":409.72,"end":410.12,"confidence":0.99902344,"punctuated_word":"line","sentiment":"neutral","sentiment_score":-0.04025578498840332},{"word":"with","start":410.12,"end":410.28,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.01414785534143448},{"word":"what","start":410.28,"end":410.52,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.012058883905410768},{"word":"the","start":410.52,"end":410.68,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.007366091012954712},{"word":"all","start":410.68,"end":410.84,"confidence":0.88427734,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.023623980581760406},{"word":"ordinaries","start":410.84,"end":411.34,"confidence":0.9773763,"punctuated_word":"ordinaries","sentiment":"neutral","sentiment_score":-0.014183331280946732},{"word":"or","start":411.4,"end":411.48,"confidence":0.7089844,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.01837555319070816},{"word":"what","start":411.48,"end":411.72,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.023365065455436707},{"word":"the","start":411.72,"end":411.88,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02813449501991272},{"word":"market","start":411.88,"end":412.2,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.062479421496391296},{"word":"has","start":412.2,"end":412.52,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.04169084131717682},{"word":"as","start":412.52,"end":412.68,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.06086589395999909},{"word":"a","start":412.68,"end":412.76,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06261561810970306},{"word":"whole","start":412.76,"end":413.16,"confidence":0.92163086,"punctuated_word":"whole.","sentiment":"neutral","sentiment_score":-0.05533736199140549},{"word":"so","start":413.16,"end":413.655,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.14715848863124847},{"word":"there's","start":413.735,"end":414.055,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.1485714614391327},{"word":"nothing","start":414.055,"end":414.535,"confidence":1.0,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.1732180118560791},{"word":"really","start":414.535,"end":415.01498,"confidence":0.95947266,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.4531612992286682},{"word":"that","start":415.01498,"end":415.255,"confidence":0.99902344,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.5809672474861145},{"word":"is","start":415.255,"end":415.495,"confidence":0.99609375,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.6051614880561829},{"word":"flagging","start":415.495,"end":415.975,"confidence":0.9941406,"punctuated_word":"flagging","sentiment":"negative","sentiment_score":-0.6097669005393982},{"word":"as","start":415.975,"end":416.215,"confidence":0.9560547,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.5964254140853882},{"word":"really","start":416.215,"end":416.455,"confidence":0.95410156,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.6628672480583191},{"word":"needs","start":416.455,"end":416.775,"confidence":0.9873047,"punctuated_word":"needs","sentiment":"negative","sentiment_score":-0.7031177878379822},{"word":"to","start":416.775,"end":416.855,"confidence":0.99609375,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.7336505055427551},{"word":"be","start":416.855,"end":417.01498,"confidence":0.9980469,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.665152907371521},{"word":"removed","start":417.01498,"end":417.495,"confidence":0.99902344,"punctuated_word":"removed","sentiment":"negative","sentiment_score":-0.5556124448776245},{"word":"or","start":417.495,"end":417.735,"confidence":0.9892578,"punctuated_word":"or","sentiment":"negative","sentiment_score":-0.45827290415763855},{"word":"altered","start":417.735,"end":418.055,"confidence":0.9560547,"punctuated_word":"altered","sentiment":"negative","sentiment_score":-0.3552698493003845},{"word":"because","start":418.055,"end":418.295,"confidence":0.88183594,"punctuated_word":"because","sentiment":"negative","sentiment_score":-0.3504316508769989},{"word":"it","start":418.295,"end":418.455,"confidence":0.9819336,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.3280804455280304},{"word":"is","start":418.455,"end":418.695,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2323075830936432},{"word":"just","start":418.695,"end":418.935,"confidence":0.5439453,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.4265015423297882},{"word":"following","start":418.935,"end":419.255,"confidence":0.984375,"punctuated_word":"following","sentiment":"neutral","sentiment_score":-0.1752174198627472},{"word":"market","start":419.255,"end":419.655,"confidence":0.99316406,"punctuated_word":"market","sentiment":"negative","sentiment_score":-0.3764148950576782},{"word":"reactions","start":419.655,"end":420.135,"confidence":0.9855957,"punctuated_word":"reactions,","sentiment":"neutral","sentiment_score":-0.14019283652305603},{"word":"which","start":420.135,"end":420.375,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.050784945487976074},{"word":"is","start":420.375,"end":420.535,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1871759295463562},{"word":"good","start":420.535,"end":420.775,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":-0.05078734457492829},{"word":"to","start":420.775,"end":420.855,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16345606744289398},{"word":"know","start":420.855,"end":421.355,"confidence":0.9748535,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.07470651715993881},{"word":"and","start":421.815,"end":422.055,"confidence":0.54541016,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.04436597973108291},{"word":"it","start":422.055,"end":422.215,"confidence":0.9873047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07975388318300247},{"word":"did","start":422.215,"end":422.375,"confidence":0.9819336,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.08800839632749557},{"word":"it","start":422.375,"end":422.535,"confidence":0.89208984,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13625597953796387},{"word":"did","start":422.535,"end":422.775,"confidence":0.98535156,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.11440099775791168},{"word":"take","start":422.775,"end":422.935,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.1372895389795303},{"word":"a","start":422.935,"end":423.095,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1811540126800537},{"word":"very","start":423.095,"end":423.335,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.2866491675376892},{"word":"big","start":423.335,"end":423.655,"confidence":0.9980469,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.28155872225761414},{"word":"drop","start":423.655,"end":423.975,"confidence":0.9951172,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.2238304913043976},{"word":"around","start":423.975,"end":424.29498,"confidence":0.5410156,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.2863551080226898},{"word":"about","start":424.29498,"end":424.615,"confidence":0.96875,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.2806622087955475},{"word":"sort","start":424.615,"end":424.775,"confidence":0.84277344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.25846996903419495},{"word":"of","start":424.775,"end":424.935,"confidence":0.9770508,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2533766031265259},{"word":"the","start":424.935,"end":425.095,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2753303647041321},{"word":"april","start":425.095,"end":425.655,"confidence":0.97347003,"punctuated_word":"April","sentiment":"neutral","sentiment_score":-0.23673395812511444},{"word":"7","start":425.655,"end":426.215,"confidence":0.97347003,"punctuated_word":"7","sentiment":"neutral","sentiment_score":-0.2348947674036026},{"word":"is","start":426.215,"end":426.375,"confidence":0.45922852,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.15698981285095215},{"word":"when","start":426.375,"end":426.615,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.14120906591415405},{"word":"we","start":426.615,"end":426.695,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.14431248605251312},{"word":"saw","start":426.695,"end":427.195,"confidence":0.9980469,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":-0.1412053257226944},{"word":"quite","start":427.415,"end":427.575,"confidence":0.5722656,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.22374625504016876},{"word":"a","start":427.575,"end":427.735,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.19139131903648376},{"word":"large","start":427.735,"end":428.215,"confidence":1.0,"punctuated_word":"large","sentiment":"neutral","sentiment_score":-0.2831275463104248},{"word":"dip","start":428.215,"end":428.455,"confidence":0.9863281,"punctuated_word":"dip","sentiment":"neutral","sentiment_score":-0.15199796855449677},{"word":"there","start":428.455,"end":428.955,"confidence":0.89453125,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.2069842517375946},{"word":"and","start":429.05,"end":429.13,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1755890995264053},{"word":"there","start":429.13,"end":429.29,"confidence":0.99316406,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.17966747283935547},{"word":"was","start":429.29,"end":429.45,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.17368142306804657},{"word":"another","start":429.45,"end":429.85,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.17789888381958008},{"word":"run","start":429.85,"end":430.01,"confidence":0.91748047,"punctuated_word":"run","sentiment":"neutral","sentiment_score":-0.13690176606178284},{"word":"around","start":430.01,"end":430.25,"confidence":0.71777344,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.13650986552238464},{"word":"about","start":430.25,"end":430.65,"confidence":0.98095703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.14377038180828094},{"word":"august","start":430.65,"end":431.53,"confidence":0.95422363,"punctuated_word":"August","sentiment":"neutral","sentiment_score":-0.10817047953605652},{"word":"2024","start":431.53,"end":432.41,"confidence":0.95422363,"punctuated_word":"2024.","sentiment":"neutral","sentiment_score":-0.12618058919906616},{"word":"so","start":432.41,"end":432.65,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.041280850768089294},{"word":"you","start":432.65,"end":432.89,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.032891448587179184},{"word":"sort","start":432.89,"end":433.05,"confidence":0.99316406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.02737227827310562},{"word":"of","start":433.05,"end":433.13,"confidence":0.83740234,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06902261823415756},{"word":"saw","start":433.13,"end":433.37,"confidence":0.9941406,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":-0.047040313482284546},{"word":"that","start":433.37,"end":433.45,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07871299982070923},{"word":"dip","start":433.45,"end":433.69,"confidence":0.99902344,"punctuated_word":"dip","sentiment":"neutral","sentiment_score":-0.058348506689071655},{"word":"in","start":433.69,"end":433.85,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.08263913542032242},{"word":"2024","start":433.85,"end":434.65,"confidence":0.9951172,"punctuated_word":"2024.","sentiment":"neutral","sentiment_score":-0.08905881643295288},{"word":"it","start":434.65,"end":434.89,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.14797279238700867},{"word":"came","start":434.89,"end":435.13,"confidence":1.0,"punctuated_word":"came","sentiment":"neutral","sentiment_score":-0.10003402084112167},{"word":"back","start":435.13,"end":435.29,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.05910062789916992},{"word":"and","start":435.29,"end":435.45,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04359588772058487},{"word":"recovered","start":435.45,"end":435.85,"confidence":0.94628906,"punctuated_word":"recovered","sentiment":"neutral","sentiment_score":-0.10812491178512572},{"word":"from","start":435.85,"end":436.09,"confidence":0.9892578,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.097458615899086},{"word":"that","start":436.09,"end":436.25,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07949113100767136},{"word":"point","start":436.25,"end":436.49,"confidence":0.99902344,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.06991147994995117},{"word":"onwards","start":436.49,"end":436.99,"confidence":0.81274414,"punctuated_word":"onwards.","sentiment":"neutral","sentiment_score":-0.03541812300682068},{"word":"and","start":437.21,"end":437.37,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.04521989822387695},{"word":"then","start":437.37,"end":437.53,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.01318100094795227},{"word":"we","start":437.53,"end":437.69,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.042724985629320145},{"word":"saw","start":437.69,"end":437.93,"confidence":0.9980469,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":-0.0139470212161541},{"word":"another","start":437.93,"end":438.33,"confidence":0.99902344,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.023474209010601044},{"word":"bit","start":438.33,"end":438.49,"confidence":0.99316406,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.033783040940761566},{"word":"of","start":438.49,"end":438.65,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03216022253036499},{"word":"a","start":438.65,"end":438.81,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03622452914714813},{"word":"dip","start":438.81,"end":439.05,"confidence":0.9980469,"punctuated_word":"dip","sentiment":"neutral","sentiment_score":-0.023957371711730957},{"word":"around","start":439.05,"end":439.37,"confidence":0.99902344,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.06699180603027344},{"word":"march","start":439.37,"end":439.69,"confidence":0.99902344,"punctuated_word":"March","sentiment":"neutral","sentiment_score":-0.05673190951347351},{"word":"and","start":439.69,"end":439.85,"confidence":0.5834961,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04517430439591408},{"word":"then","start":439.85,"end":440.09,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.025924526154994965},{"word":"another","start":440.09,"end":440.41,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.04748564958572388},{"word":"bigger","start":440.41,"end":440.65,"confidence":0.9970703,"punctuated_word":"bigger","sentiment":"neutral","sentiment_score":-0.06741206347942352},{"word":"one","start":440.65,"end":440.89,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.05453044921159744},{"word":"at","start":440.89,"end":441.05,"confidence":0.88671875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06576681137084961},{"word":"april","start":441.05,"end":441.37,"confidence":0.9888916,"punctuated_word":"April","sentiment":"neutral","sentiment_score":-0.027345051988959312},{"word":"7","start":441.37,"end":441.69,"confidence":0.9888916,"punctuated_word":"7,","sentiment":"neutral","sentiment_score":-0.0223745908588171},{"word":"which","start":441.69,"end":441.85,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.03799888491630554},{"word":"is","start":441.85,"end":442.01,"confidence":0.98828125,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03919084742665291},{"word":"when","start":442.01,"end":442.25,"confidence":0.94140625,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.030631832778453827},{"word":"the","start":442.25,"end":442.41,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05264344811439514},{"word":"height","start":442.41,"end":442.65,"confidence":0.56152344,"punctuated_word":"height","sentiment":"neutral","sentiment_score":-0.03956032544374466},{"word":"of","start":442.65,"end":442.81,"confidence":0.99121094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0435897633433342},{"word":"all","start":442.81,"end":442.97,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.03535252436995506},{"word":"that","start":442.97,"end":443.235,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03638014569878578},{"word":"with","start":443.31497,"end":443.47498,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.05617991089820862},{"word":"the","start":443.47498,"end":443.715,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.06698861718177795},{"word":"us","start":443.715,"end":443.91498,"confidence":1.0,"punctuated_word":"US","sentiment":"neutral","sentiment_score":-0.07340764999389648},{"word":"and","start":443.91498,"end":444.115,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03325127065181732},{"word":"the","start":444.115,"end":444.19498,"confidence":0.9404297,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11809208989143372},{"word":"iran","start":444.19498,"end":444.51498,"confidence":0.97265625,"punctuated_word":"Iran","sentiment":"neutral","sentiment_score":-0.1941586583852768},{"word":"war","start":444.51498,"end":444.75497,"confidence":0.93603516,"punctuated_word":"war","sentiment":"neutral","sentiment_score":-0.19490991532802585},{"word":"was","start":444.75497,"end":444.995,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.09874790906906128},{"word":"going","start":444.995,"end":445.235,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.03278619050979614},{"word":"on","start":445.235,"end":445.395,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.05068126320838928},{"word":"in","start":445.395,"end":445.63498,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03191477805376053},{"word":"the","start":445.63498,"end":445.79498,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08103188872337341},{"word":"news","start":445.79498,"end":446.29498,"confidence":0.99316406,"punctuated_word":"news.","sentiment":"neutral","sentiment_score":-0.052380532026290894},{"word":"and","start":446.675,"end":446.835,"confidence":0.75341797,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.015009962022304537},{"word":"then","start":446.835,"end":447.07498,"confidence":0.9885254,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.03756122663617134},{"word":"yeah","start":447.07498,"end":447.19498,"confidence":0.99658203,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.13479073345661163},{"word":"it","start":447.19498,"end":447.31497,"confidence":0.97802734,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08871236443519592},{"word":"has","start":447.31497,"end":447.555,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.08451239764690399},{"word":"definitely","start":447.555,"end":448.03497,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.175555020570755},{"word":"come","start":448.03497,"end":448.275,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.08054998517036438},{"word":"back","start":448.275,"end":448.675,"confidence":0.8598633,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":0.06236802786588669},{"word":"and","start":448.675,"end":448.995,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0755864605307579},{"word":"from","start":448.995,"end":449.31497,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.12347307056188583},{"word":"about","start":449.31497,"end":449.81497,"confidence":0.7663574,"punctuated_word":"about,","sentiment":"neutral","sentiment_score":0.09999052435159685},{"word":"you","start":450.75497,"end":450.91498,"confidence":0.9560547,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09876015782356262},{"word":"know","start":450.91498,"end":451.41498,"confidence":0.9206543,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.07570459693670273},{"word":"from","start":452.03497,"end":452.35498,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.07015939801931381},{"word":"there","start":452.35498,"end":452.75497,"confidence":0.99560547,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.04216012358665466},{"word":"we","start":452.75497,"end":452.91498,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09456074982881546},{"word":"have","start":452.91498,"end":453.155,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08020775020122528},{"word":"gone","start":453.155,"end":453.395,"confidence":0.98828125,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.16359876096248627},{"word":"back","start":453.395,"end":453.63498,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.1262720823287964},{"word":"to","start":453.63498,"end":454.03497,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09080693125724792},{"word":"higher","start":454.03497,"end":454.35498,"confidence":0.9873047,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.07844100892543793},{"word":"than","start":454.35498,"end":454.675,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.14725175499916077},{"word":"we","start":454.675,"end":454.835,"confidence":0.99316406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04530806839466095},{"word":"were","start":454.835,"end":455.155,"confidence":0.9902344,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.1087140291929245},{"word":"originally","start":455.155,"end":455.655,"confidence":0.9211426,"punctuated_word":"originally.","sentiment":"neutral","sentiment_score":0.061519548296928406},{"word":"so","start":456.03497,"end":456.435,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2321552932262421},{"word":"it","start":456.435,"end":456.59497,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2409905195236206},{"word":"has","start":456.59497,"end":457.09497,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.21400274336338043},{"word":"it","start":457.31497,"end":457.555,"confidence":0.9667969,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.21686312556266785},{"word":"has","start":457.555,"end":458.055,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.26102861762046814},{"word":"definitely","start":458.29,"end":458.61002,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.3971818685531616},{"word":"recovered","start":458.61002,"end":459.09,"confidence":1.0,"punctuated_word":"recovered","sentiment":"positive","sentiment_score":0.3360641896724701},{"word":"out","start":459.09,"end":459.25,"confidence":1.0,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3956946134567261},{"word":"of","start":459.25,"end":459.41,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3798455595970154},{"word":"that","start":459.41,"end":459.65,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.32392823696136475},{"word":"and","start":459.65,"end":459.81,"confidence":0.8154297,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3552652597427368},{"word":"has","start":459.81,"end":460.05002,"confidence":0.97509766,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.3652797341346741},{"word":"seen","start":460.05002,"end":460.29,"confidence":0.9951172,"punctuated_word":"seen","sentiment":"positive","sentiment_score":0.4740181863307953},{"word":"additional","start":460.29,"end":460.77002,"confidence":1.0,"punctuated_word":"additional","sentiment":"positive","sentiment_score":0.402098149061203},{"word":"growth","start":460.77002,"end":461.09,"confidence":1.0,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.5221103429794312},{"word":"there","start":461.09,"end":461.59,"confidence":0.9980469,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.306181937456131},{"word":"when","start":461.65,"end":461.89,"confidence":0.99902344,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.12811720371246338},{"word":"i","start":461.89,"end":461.97,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08977693319320679},{"word":"look","start":461.97,"end":462.13,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0661994069814682},{"word":"at","start":462.13,"end":462.29,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05556190758943558},{"word":"how","start":462.29,"end":462.45,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.05897502228617668},{"word":"your","start":462.45,"end":462.69,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07914416491985321},{"word":"investments","start":462.69,"end":463.19,"confidence":0.9951172,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.03907562792301178},{"word":"are","start":463.25,"end":463.41,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07572924345731735},{"word":"performing","start":463.41,"end":463.91,"confidence":0.99902344,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":0.09714236110448836},{"word":"individually","start":464.05002,"end":464.55002,"confidence":0.85498047,"punctuated_word":"individually,","sentiment":"neutral","sentiment_score":0.05117008835077286},{"word":"and","start":464.69,"end":464.85,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04715798050165176},{"word":"you'll","start":464.85,"end":465.17,"confidence":1.0,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.04735281318426132},{"word":"see","start":465.17,"end":465.57,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.060009993612766266},{"word":"one","start":465.57,"end":465.73,"confidence":0.9633789,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.05955267325043678},{"word":"of","start":465.73,"end":465.81,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06769625097513199},{"word":"those","start":465.81,"end":466.13,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.05398598313331604},{"word":"attachments","start":466.13,"end":466.61002,"confidence":0.99316406,"punctuated_word":"attachments","sentiment":"neutral","sentiment_score":0.027882754802703857},{"word":"is","start":466.61002,"end":466.85,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04123400151729584},{"word":"the","start":466.85,"end":467.01,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.044938575476408005},{"word":"performance","start":467.01,"end":467.49,"confidence":0.99902344,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.035435449331998825},{"word":"with","start":467.49,"end":467.73,"confidence":0.9667969,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.037237510085105896},{"word":"internal","start":467.73,"end":468.21,"confidence":0.99609375,"punctuated_word":"internal","sentiment":"neutral","sentiment_score":0.03544992953538895},{"word":"rate","start":468.21,"end":468.45,"confidence":0.99902344,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.07112978398799896},{"word":"of","start":468.45,"end":468.53,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05884377658367157},{"word":"return","start":468.53,"end":469.03,"confidence":0.8317871,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":0.07041261345148087},{"word":"and","start":470.38498,"end":470.54498,"confidence":0.99121094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10766027867794035},{"word":"that","start":470.54498,"end":470.785,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12074369937181471},{"word":"sort","start":470.785,"end":471.025,"confidence":0.98291016,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.12729156017303467},{"word":"of","start":471.025,"end":471.10498,"confidence":0.9472656,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11331862956285477},{"word":"breaks","start":471.10498,"end":471.345,"confidence":0.9980469,"punctuated_word":"breaks","sentiment":"neutral","sentiment_score":0.1183597296476364},{"word":"down","start":471.345,"end":471.585,"confidence":0.9941406,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.15378150343894958},{"word":"how","start":471.585,"end":471.82498,"confidence":0.9980469,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.11560215055942535},{"word":"your","start":471.82498,"end":472.065,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14485183358192444},{"word":"investments","start":472.065,"end":472.565,"confidence":0.9980469,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.09696657210588457},{"word":"are","start":472.625,"end":472.865,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.11661368608474731},{"word":"performing","start":472.865,"end":473.365,"confidence":1.0,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":0.15503312647342682},{"word":"individually","start":473.50497,"end":474.00497,"confidence":0.9970703,"punctuated_word":"individually.","sentiment":"neutral","sentiment_score":0.1194513663649559},{"word":"now","start":474.065,"end":474.38498,"confidence":0.9941406,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.499519556760788},{"word":"everything","start":474.38498,"end":474.785,"confidence":0.99316406,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.5900835990905762},{"word":"is","start":474.785,"end":475.025,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5059859752655029},{"word":"doing","start":475.025,"end":475.425,"confidence":0.9951172,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.5574482679367065},{"word":"really","start":475.425,"end":475.66498,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5935648679733276},{"word":"well","start":475.66498,"end":476.16498,"confidence":0.99560547,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.5822136402130127},{"word":"you","start":476.465,"end":476.625,"confidence":0.97998047,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.5252187848091125},{"word":"do","start":476.625,"end":476.785,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4257228076457978},{"word":"have","start":476.785,"end":477.025,"confidence":0.99902344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.485400527715683},{"word":"some","start":477.025,"end":477.26498,"confidence":0.98828125,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.4231161475181579},{"word":"s","start":477.26498,"end":477.425,"confidence":0.78515625,"punctuated_word":"s","sentiment":"positive","sentiment_score":0.4609469771385193},{"word":"and","start":477.425,"end":477.585,"confidence":0.9980469,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3753342032432556},{"word":"p","start":477.585,"end":477.82498,"confidence":0.9819336,"punctuated_word":"p","sentiment":"positive","sentiment_score":0.3514407277107239},{"word":"500","start":477.82498,"end":478.465,"confidence":0.85595703,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.30133959650993347},{"word":"for","start":478.465,"end":478.625,"confidence":0.3474121,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.30260908603668213},{"word":"the","start":478.625,"end":478.865,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26388388872146606},{"word":"top","start":478.865,"end":479.025,"confidence":0.9951172,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.2511318624019623},{"word":"500","start":479.025,"end":479.585,"confidence":1.0,"punctuated_word":"500","sentiment":"positive","sentiment_score":0.3371787965297699},{"word":"companies","start":479.585,"end":480.065,"confidence":0.99609375,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.2938070297241211},{"word":"in","start":480.065,"end":480.22498,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.28949856758117676},{"word":"the","start":480.22498,"end":480.38498,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.23396378755569455},{"word":"us","start":480.38498,"end":480.705,"confidence":0.99560547,"punctuated_word":"US.","sentiment":"neutral","sentiment_score":0.2975803017616272},{"word":"you've","start":480.705,"end":480.865,"confidence":0.9797363,"punctuated_word":"You've","sentiment":"positive","sentiment_score":0.5099093914031982},{"word":"got","start":480.865,"end":481.10498,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.5390275120735168},{"word":"some","start":481.10498,"end":481.345,"confidence":0.93408203,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.5069755911827087},{"word":"physical","start":481.345,"end":481.82498,"confidence":0.99121094,"punctuated_word":"physical","sentiment":"positive","sentiment_score":0.5251908302307129},{"word":"gold","start":481.82498,"end":482.145,"confidence":0.8757324,"punctuated_word":"gold.","sentiment":"positive","sentiment_score":0.48268598318099976},{"word":"both","start":482.145,"end":482.38498,"confidence":0.99316406,"punctuated_word":"Both","sentiment":"positive","sentiment_score":0.5810045003890991},{"word":"of","start":482.38498,"end":482.465,"confidence":0.95166016,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5788211822509766},{"word":"those","start":482.465,"end":482.705,"confidence":0.99902344,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.5357943177223206},{"word":"are","start":482.705,"end":482.865,"confidence":0.99902344,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.46905767917633057},{"word":"performing","start":482.865,"end":483.365,"confidence":1.0,"punctuated_word":"performing","sentiment":"positive","sentiment_score":0.5094776749610901},{"word":"nicely","start":483.425,"end":483.925,"confidence":1.0,"punctuated_word":"nicely.","sentiment":"positive","sentiment_score":0.5324115753173828},{"word":"we've","start":484.08,"end":484.31998,"confidence":1.0,"punctuated_word":"We've","sentiment":"positive","sentiment_score":0.5381073355674744},{"word":"had","start":484.31998,"end":484.47998,"confidence":1.0,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.5825673341751099},{"word":"a","start":484.47998,"end":484.56,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5639992952346802},{"word":"1618%","start":484.56,"end":486.0,"confidence":0.9902344,"punctuated_word":"1618%","sentiment":"positive","sentiment_score":0.4350149631500244},{"word":"return","start":486.0,"end":486.47998,"confidence":0.99609375,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.5342380404472351},{"word":"on","start":486.47998,"end":486.63998,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.5199161767959595},{"word":"those","start":486.63998,"end":486.96,"confidence":0.99902344,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.480852484703064},{"word":"net","start":486.96,"end":487.28,"confidence":0.9165039,"punctuated_word":"net","sentiment":"positive","sentiment_score":0.544700026512146},{"word":"growth","start":487.43997,"end":487.93997,"confidence":0.875,"punctuated_word":"growth.","sentiment":"positive","sentiment_score":0.5093485713005066},{"word":"we've","start":488.31998,"end":488.63998,"confidence":0.8015137,"punctuated_word":"We've","sentiment":"positive","sentiment_score":0.42813950777053833},{"word":"also","start":488.63998,"end":488.87997,"confidence":1.0,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.34246280789375305},{"word":"got","start":488.87997,"end":489.12,"confidence":0.99902344,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.4147864580154419},{"word":"some","start":489.12,"end":489.36,"confidence":0.9902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.3313537836074829},{"word":"cybersecurity","start":489.36,"end":489.86,"confidence":0.8811035,"punctuated_word":"cybersecurity.","sentiment":"neutral","sentiment_score":0.288948118686676},{"word":"you've","start":490.4,"end":490.63998,"confidence":0.87158203,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.2703987956047058},{"word":"also","start":490.63998,"end":491.03998,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2064887434244156},{"word":"got","start":491.03998,"end":491.28,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.268243670463562},{"word":"some","start":491.28,"end":491.52,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2128410041332245},{"word":"australian","start":491.52,"end":492.0,"confidence":0.99609375,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.22642774879932404},{"word":"equities","start":492.0,"end":492.47998,"confidence":0.9506836,"punctuated_word":"equities","sentiment":"neutral","sentiment_score":0.186210498213768},{"word":"in","start":492.47998,"end":492.63998,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17160873115062714},{"word":"them","start":492.63998,"end":493.12,"confidence":0.8432617,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":0.17922204732894895},{"word":"some","start":493.12,"end":493.36,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1895372569561005},{"word":"agriculture","start":493.36,"end":493.86,"confidence":0.97143555,"punctuated_word":"agriculture,","sentiment":"neutral","sentiment_score":0.15449367463588717},{"word":"and","start":494.87997,"end":495.03998,"confidence":0.9194336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16129210591316223},{"word":"also","start":495.03998,"end":495.36,"confidence":0.8989258,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.17818547785282135},{"word":"some","start":495.36,"end":495.86,"confidence":0.99121094,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.16979947686195374},{"word":"infrastructure","start":495.91998,"end":496.41998,"confidence":0.91845703,"punctuated_word":"infrastructure.","sentiment":"neutral","sentiment_score":0.16334974765777588},{"word":"and","start":496.8,"end":496.96,"confidence":0.98828125,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10235027223825456},{"word":"then","start":496.96,"end":497.12,"confidence":0.9970703,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09168852865695952},{"word":"you've","start":497.12,"end":497.43997,"confidence":0.9692383,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.10327034443616868},{"word":"you've","start":497.43997,"end":497.52,"confidence":0.82470703,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.098932683467865},{"word":"got","start":497.52,"end":497.68,"confidence":0.984375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.09592849761247636},{"word":"your","start":497.68,"end":497.84,"confidence":0.67089844,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09300115704536438},{"word":"banelon","start":497.84,"end":498.34,"confidence":0.5689087,"punctuated_word":"BANELON","sentiment":"neutral","sentiment_score":0.06670987606048584},{"word":"australian","start":498.60498,"end":498.925,"confidence":0.9604492,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.07418251037597656},{"word":"equities","start":498.925,"end":499.405,"confidence":0.725708,"punctuated_word":"equities","sentiment":"neutral","sentiment_score":0.07705345004796982},{"word":"portion","start":499.405,"end":499.725,"confidence":0.98828125,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":0.07170650362968445},{"word":"in","start":499.725,"end":499.805,"confidence":0.9580078,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06925825029611588},{"word":"there","start":499.805,"end":500.04498,"confidence":0.9748535,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.07203695178031921},{"word":"now","start":500.04498,"end":500.285,"confidence":0.92089844,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.027481382712721825},{"word":"bandalong","start":500.285,"end":500.785,"confidence":0.9946289,"punctuated_word":"Bandalong","sentiment":"neutral","sentiment_score":0.02343583852052689},{"word":"was","start":500.845,"end":501.005,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.013048732653260233},{"word":"originally","start":501.005,"end":501.485,"confidence":1.0,"punctuated_word":"originally","sentiment":"neutral","sentiment_score":0.005298949778079987},{"word":"put","start":501.485,"end":501.645,"confidence":0.9980469,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.00029588304460048676},{"word":"in","start":501.645,"end":501.725,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.00028876401484012604},{"word":"there","start":501.725,"end":501.88498,"confidence":0.9941406,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.006006935611367226},{"word":"as","start":501.88498,"end":502.04498,"confidence":0.9902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0021318532526493073},{"word":"a","start":502.04498,"end":502.205,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.002177910879254341},{"word":"managed","start":502.205,"end":502.60498,"confidence":0.97265625,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.007657166570425034},{"word":"fund","start":502.60498,"end":503.10498,"confidence":0.9916992,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.012302392162382604},{"word":"all","start":503.725,"end":503.965,"confidence":0.7270508,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.02199430391192436},{"word":"of","start":503.965,"end":504.125,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.010347552597522736},{"word":"your","start":504.125,"end":504.285,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.01070304960012436},{"word":"investments","start":504.285,"end":504.785,"confidence":0.9951172,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.004531741142272949},{"word":"are","start":504.845,"end":505.005,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.004909738898277283},{"word":"performing","start":505.005,"end":505.505,"confidence":1.0,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":0.038079701364040375},{"word":"very","start":505.565,"end":505.88498,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.04333551973104477},{"word":"well","start":505.88498,"end":506.125,"confidence":0.984375,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.05385221913456917},{"word":"but","start":506.125,"end":506.365,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.004194542765617371},{"word":"you","start":506.365,"end":506.525,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.052955515682697296},{"word":"might","start":506.525,"end":506.685,"confidence":0.9970703,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.06695528328418732},{"word":"have","start":506.685,"end":506.76498,"confidence":0.7636719,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.05411967635154724},{"word":"sort","start":506.76498,"end":507.005,"confidence":0.88427734,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.07751574367284775},{"word":"of","start":507.005,"end":507.085,"confidence":0.81396484,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06975504755973816},{"word":"noticed","start":507.085,"end":507.405,"confidence":0.9819336,"punctuated_word":"noticed","sentiment":"neutral","sentiment_score":-0.050585515797138214},{"word":"your","start":507.405,"end":507.565,"confidence":0.93603516,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.146172434091568},{"word":"bandalong","start":507.565,"end":508.04498,"confidence":0.9946289,"punctuated_word":"Bandalong","sentiment":"neutral","sentiment_score":-0.13274681568145752},{"word":"australian","start":508.04498,"end":508.365,"confidence":0.94384766,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.09348206967115402},{"word":"equities","start":508.365,"end":508.845,"confidence":0.91430664,"punctuated_word":"equities","sentiment":"neutral","sentiment_score":-0.08837519586086273},{"word":"is","start":508.845,"end":508.925,"confidence":0.9428711,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.08927561342716217},{"word":"actually","start":508.925,"end":509.32498,"confidence":0.99609375,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.06897824257612228},{"word":"quite","start":509.32498,"end":509.565,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.06590761244297028},{"word":"low","start":509.565,"end":509.805,"confidence":0.99902344,"punctuated_word":"low.","sentiment":"neutral","sentiment_score":-0.06588669866323471},{"word":"it","start":509.805,"end":509.965,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.0667361244559288},{"word":"is","start":509.965,"end":510.04498,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05893566459417343},{"word":"showing","start":510.04498,"end":510.54,"confidence":1.0,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":-0.04236882925033569},{"word":"an","start":511.02002,"end":511.26,"confidence":0.9951172,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.05262121185660362},{"word":"internal","start":511.26,"end":511.66,"confidence":0.99609375,"punctuated_word":"internal","sentiment":"neutral","sentiment_score":-0.01172630488872528},{"word":"rate","start":511.66,"end":511.82,"confidence":1.0,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.00833253562450409},{"word":"of","start":511.82,"end":511.98,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.009256556630134584},{"word":"return","start":511.98,"end":512.38,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":-0.007961168885231018},{"word":"of","start":512.38,"end":512.54004,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.032995253801345825},{"word":"down","start":512.54004,"end":512.78,"confidence":0.9892578,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.0179297998547554},{"word":"the","start":512.78,"end":513.02,"confidence":0.42749023,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.014303416013717651},{"word":"18.48%","start":513.02,"end":514.8,"confidence":0.9975586,"punctuated_word":"18.48%.","sentiment":"neutral","sentiment_score":0.009490054100751877},{"word":"essentially","start":515.58,"end":516.08,"confidence":0.97998047,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.006389635615050793},{"word":"ban","start":516.14,"end":516.38,"confidence":0.890625,"punctuated_word":"ban","sentiment":"neutral","sentiment_score":0.018454961478710175},{"word":"along","start":516.38,"end":516.62,"confidence":0.9941406,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.02126715332269669},{"word":"when","start":516.62,"end":516.78,"confidence":0.4428711,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.008591383695602417},{"word":"it","start":516.78,"end":516.82,"confidence":0.9160156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.008090421557426453},{"word":"what","start":516.86,"end":517.02,"confidence":0.921875,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.005609959363937378},{"word":"is","start":517.02,"end":517.26,"confidence":0.56152344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.008535444736480713},{"word":"originally","start":517.26,"end":517.58,"confidence":0.96777344,"punctuated_word":"originally","sentiment":"neutral","sentiment_score":-0.004220560193061829},{"word":"put","start":517.58,"end":517.74,"confidence":0.95947266,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.006811156868934631},{"word":"in","start":517.74,"end":517.9,"confidence":0.9863281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0003746077418327331},{"word":"your","start":517.9,"end":518.06,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.008994169533252716},{"word":"portfolio","start":518.06,"end":518.54004,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.015180416405200958},{"word":"was","start":518.54004,"end":518.7,"confidence":0.53564453,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0069358572363853455},{"word":"meant","start":518.7,"end":518.94,"confidence":1.0,"punctuated_word":"meant","sentiment":"neutral","sentiment_score":0.0030741840600967407},{"word":"to","start":518.94,"end":519.02,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00980609655380249},{"word":"be","start":519.02,"end":519.10004,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.009704723954200745},{"word":"an","start":519.10004,"end":519.26,"confidence":0.9902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.01132221519947052},{"word":"actively","start":519.26,"end":519.74,"confidence":1.0,"punctuated_word":"actively","sentiment":"neutral","sentiment_score":0.07217414677143097},{"word":"managed","start":519.74,"end":520.14,"confidence":0.9970703,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.009732358157634737},{"word":"fund","start":520.14,"end":520.46,"confidence":0.85668945,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.019688915461301804},{"word":"so","start":520.46,"end":520.7,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03264608979225159},{"word":"the","start":520.7,"end":520.86,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03765562176704407},{"word":"investment","start":520.86,"end":521.34,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.03731934726238251},{"word":"manager","start":521.34,"end":521.74,"confidence":1.0,"punctuated_word":"manager","sentiment":"neutral","sentiment_score":0.009324535727500916},{"word":"of","start":521.74,"end":521.9,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04255211353302002},{"word":"that","start":521.9,"end":522.06,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.009346187114715576},{"word":"fund","start":522.06,"end":522.38,"confidence":0.99902344,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.01678585261106491},{"word":"is","start":522.38,"end":522.54004,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03366652876138687},{"word":"meant","start":522.54004,"end":522.78,"confidence":1.0,"punctuated_word":"meant","sentiment":"neutral","sentiment_score":0.04309040307998657},{"word":"to","start":522.78,"end":522.86,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03894402086734772},{"word":"be","start":522.86,"end":523.02,"confidence":0.9892578,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.025068990886211395},{"word":"actively","start":523.02,"end":523.5,"confidence":1.0,"punctuated_word":"actively","sentiment":"neutral","sentiment_score":0.10561249405145644},{"word":"managing","start":523.5,"end":524.0,"confidence":0.89208984,"punctuated_word":"managing","sentiment":"neutral","sentiment_score":0.06656233966350555},{"word":"it","start":524.06,"end":524.14,"confidence":0.38085938,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08365478366613388},{"word":"to","start":524.14,"end":524.3,"confidence":0.8935547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.053158238530159},{"word":"try","start":524.3,"end":524.46,"confidence":0.9873047,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.0963042676448822},{"word":"and","start":524.46,"end":524.7,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0772838443517685},{"word":"outperform","start":524.7,"end":525.18,"confidence":0.98291016,"punctuated_word":"outperform","sentiment":"neutral","sentiment_score":0.06353765726089478},{"word":"against","start":525.18,"end":525.58,"confidence":0.9980469,"punctuated_word":"against","sentiment":"neutral","sentiment_score":0.023661747574806213},{"word":"the","start":525.58,"end":525.74,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02705569565296173},{"word":"market","start":525.74,"end":526.24,"confidence":0.99658203,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.007230132818222046},{"word":"realistically","start":527.185,"end":527.685,"confidence":0.99641925,"punctuated_word":"Realistically,","sentiment":"neutral","sentiment_score":-0.0007618572562932968},{"word":"some","start":528.225,"end":528.46497,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.00999373197555542},{"word":"managed","start":528.46497,"end":528.865,"confidence":0.92333984,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.004701897501945496},{"word":"funds","start":528.865,"end":529.265,"confidence":0.99609375,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.07440950721502304},{"word":"can","start":529.265,"end":529.505,"confidence":0.90478516,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.028242245316505432},{"word":"outperform","start":529.505,"end":530.005,"confidence":0.9921875,"punctuated_word":"outperform","sentiment":"neutral","sentiment_score":0.10099946707487106},{"word":"against","start":530.065,"end":530.385,"confidence":0.99902344,"punctuated_word":"against","sentiment":"neutral","sentiment_score":0.0783274918794632},{"word":"the","start":530.385,"end":530.545,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04611373692750931},{"word":"market","start":530.545,"end":531.02496,"confidence":0.84521484,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.00953768566250801},{"word":"others","start":531.02496,"end":531.345,"confidence":0.99902344,"punctuated_word":"Others","sentiment":"neutral","sentiment_score":-0.16627615690231323},{"word":"don't","start":531.345,"end":531.585,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.14523479342460632},{"word":"do","start":531.585,"end":531.825,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.13661788403987885},{"word":"it","start":531.825,"end":531.985,"confidence":0.9995117,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.13851509988307953},{"word":"they","start":531.985,"end":532.145,"confidence":1.0,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.22151431441307068},{"word":"don't","start":532.145,"end":532.385,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.17010192573070526},{"word":"all","start":532.385,"end":532.625,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.18130595982074735},{"word":"do","start":532.625,"end":532.785,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.1632196307182312},{"word":"it","start":532.785,"end":533.02496,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1339094638824463},{"word":"every","start":533.02496,"end":533.345,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.15775498747825625},{"word":"year","start":533.345,"end":533.585,"confidence":0.9980469,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.1352054476737976},{"word":"it's","start":533.585,"end":533.825,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.17599599063396454},{"word":"not","start":533.825,"end":533.985,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.12456008046865465},{"word":"something","start":533.985,"end":534.385,"confidence":0.99902344,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.08992177993059158},{"word":"they're","start":534.385,"end":534.785,"confidence":0.84155273,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.13291476666927338},{"word":"all","start":534.785,"end":534.945,"confidence":0.9951172,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.07494840025901794},{"word":"very","start":534.945,"end":535.185,"confidence":0.99902344,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.15443265438079834},{"word":"good","start":535.185,"end":535.425,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":-0.0214899480342865},{"word":"and","start":535.425,"end":535.585,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06913883984088898},{"word":"consistent","start":535.585,"end":536.085,"confidence":1.0,"punctuated_word":"consistent","sentiment":"neutral","sentiment_score":-0.10338366776704788},{"word":"with","start":536.145,"end":536.385,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.07497555017471313},{"word":"doing","start":536.385,"end":536.885,"confidence":0.7915039,"punctuated_word":"doing.","sentiment":"neutral","sentiment_score":-0.06304793059825897},{"word":"but","start":537.665,"end":537.985,"confidence":0.9453125,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.19410140812397003},{"word":"benelon","start":537.985,"end":538.46497,"confidence":0.5640462,"punctuated_word":"Benelon","sentiment":"negative","sentiment_score":-0.46530336141586304},{"word":"hasn't","start":538.46497,"end":538.785,"confidence":0.99609375,"punctuated_word":"hasn't","sentiment":"negative","sentiment_score":-0.5765619874000549},{"word":"been","start":538.785,"end":539.02496,"confidence":0.9970703,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.5116349458694458},{"word":"able","start":539.02496,"end":539.185,"confidence":0.9902344,"punctuated_word":"able","sentiment":"negative","sentiment_score":-0.5137171745300293},{"word":"to","start":539.185,"end":539.52,"confidence":0.96972656,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5520121455192566},{"word":"outperform","start":539.52,"end":539.84,"confidence":0.9460449,"punctuated_word":"outperform","sentiment":"negative","sentiment_score":-0.3535231947898865},{"word":"the","start":539.84,"end":539.92004,"confidence":0.9980469,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.35778430104255676},{"word":"market","start":539.92004,"end":540.24,"confidence":0.9375,"punctuated_word":"market,","sentiment":"neutral","sentiment_score":-0.21865659952163696},{"word":"and","start":540.24,"end":540.48004,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.30391737818717957},{"word":"we","start":540.48004,"end":540.64,"confidence":1.0,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.3673853874206543},{"word":"are","start":540.64,"end":540.88,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.31744036078453064},{"word":"finding","start":540.88,"end":541.2,"confidence":1.0,"punctuated_word":"finding","sentiment":"neutral","sentiment_score":-0.29891958832740784},{"word":"some","start":541.2,"end":541.36005,"confidence":0.99902344,"punctuated_word":"some","sentiment":"negative","sentiment_score":-0.35886862874031067},{"word":"of","start":541.36005,"end":541.52,"confidence":0.99902344,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3687223196029663},{"word":"the","start":541.52,"end":541.68,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.34986597299575806},{"word":"underlying","start":541.68,"end":542.16003,"confidence":1.0,"punctuated_word":"underlying","sentiment":"neutral","sentiment_score":-0.3064596652984619},{"word":"issues","start":542.16003,"end":542.56,"confidence":0.99902344,"punctuated_word":"issues","sentiment":"neutral","sentiment_score":-0.30091458559036255},{"word":"with","start":542.56,"end":542.72003,"confidence":0.98291016,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.4266222417354584},{"word":"benelon","start":542.72003,"end":543.16003,"confidence":0.9977214,"punctuated_word":"Benelon","sentiment":"negative","sentiment_score":-0.34036821126937866},{"word":"are","start":543.16003,"end":543.60004,"confidence":0.41967773,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.37687480449676514},{"word":"issues","start":543.60004,"end":544.08,"confidence":0.984375,"punctuated_word":"issues","sentiment":"negative","sentiment_score":-0.3441337049007416},{"word":"that","start":544.08,"end":544.4,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2977299988269806},{"word":"are","start":544.4,"end":544.64,"confidence":0.9902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.30211421847343445},{"word":"within","start":544.64,"end":545.04004,"confidence":0.99609375,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.26348480582237244},{"word":"the","start":545.04004,"end":545.2,"confidence":0.96777344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3013404309749603},{"word":"fund","start":545.2,"end":545.7,"confidence":0.81591797,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":-0.3234611749649048},{"word":"so","start":545.92004,"end":546.24,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.3032500445842743},{"word":"they're","start":546.24,"end":546.48004,"confidence":0.9550781,"punctuated_word":"they're","sentiment":"negative","sentiment_score":-0.3364800214767456},{"word":"invested","start":546.48004,"end":546.96,"confidence":0.9873047,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":-0.3226458430290222},{"word":"in","start":546.96,"end":547.04004,"confidence":0.93359375,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.3529108166694641},{"word":"funds","start":547.04004,"end":547.36005,"confidence":0.9951172,"punctuated_word":"funds","sentiment":"negative","sentiment_score":-0.36253121495246887},{"word":"that","start":547.36005,"end":547.52,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2901756167411804},{"word":"they","start":547.52,"end":547.68,"confidence":1.0,"punctuated_word":"they","sentiment":"negative","sentiment_score":-0.44824716448783875},{"word":"can't","start":547.68,"end":547.92004,"confidence":0.99902344,"punctuated_word":"can't","sentiment":"negative","sentiment_score":-0.4131296277046203},{"word":"get","start":547.92004,"end":548.24,"confidence":0.99902344,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.43797001242637634},{"word":"out","start":548.24,"end":548.4,"confidence":0.67089844,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.4352439045906067},{"word":"of","start":548.4,"end":548.72003,"confidence":0.9404297,"punctuated_word":"of,","sentiment":"negative","sentiment_score":-0.42242735624313354},{"word":"that","start":548.72003,"end":548.80005,"confidence":0.9091797,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4053124189376831},{"word":"there's","start":548.80005,"end":549.12,"confidence":0.9916992,"punctuated_word":"there's","sentiment":"negative","sentiment_score":-0.3904080390930176},{"word":"issues","start":549.12,"end":549.44,"confidence":0.99902344,"punctuated_word":"issues","sentiment":"negative","sentiment_score":-0.4249984622001648},{"word":"with","start":549.44,"end":549.68,"confidence":0.96777344,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.47456249594688416},{"word":"their","start":549.68,"end":549.84,"confidence":0.99121094,"punctuated_word":"their","sentiment":"negative","sentiment_score":-0.4811226129531861},{"word":"underlying","start":549.84,"end":550.32,"confidence":0.99902344,"punctuated_word":"underlying","sentiment":"negative","sentiment_score":-0.3679781258106232},{"word":"investments","start":550.32,"end":550.82,"confidence":0.82055664,"punctuated_word":"investments.","sentiment":"negative","sentiment_score":-0.334389865398407},{"word":"so","start":550.96,"end":551.36005,"confidence":1.0,"punctuated_word":"So","sentiment":"negative","sentiment_score":-0.38683754205703735},{"word":"we","start":551.36005,"end":551.52,"confidence":0.99902344,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.5965167284011841},{"word":"actually","start":551.52,"end":551.84,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"negative","sentiment_score":-0.610341489315033},{"word":"don't","start":551.84,"end":552.225,"confidence":1.0,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.6322131156921387},{"word":"see","start":552.305,"end":552.46497,"confidence":1.0,"punctuated_word":"see","sentiment":"negative","sentiment_score":-0.5907281637191772},{"word":"it","start":552.46497,"end":552.625,"confidence":1.0,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.6469162106513977},{"word":"as","start":552.625,"end":552.865,"confidence":1.0,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.6279441118240356},{"word":"a","start":552.865,"end":553.02496,"confidence":0.99902344,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.6097952127456665},{"word":"good","start":553.02496,"end":553.345,"confidence":1.0,"punctuated_word":"good","sentiment":"negative","sentiment_score":-0.4437199532985687},{"word":"investment","start":553.345,"end":553.845,"confidence":1.0,"punctuated_word":"investment","sentiment":"negative","sentiment_score":-0.5339380502700806},{"word":"moving","start":553.90497,"end":554.225,"confidence":0.9980469,"punctuated_word":"moving","sentiment":"negative","sentiment_score":-0.535354733467102},{"word":"forward","start":554.225,"end":554.46497,"confidence":0.74853516,"punctuated_word":"forward,","sentiment":"negative","sentiment_score":-0.5238486528396606},{"word":"and","start":554.46497,"end":554.785,"confidence":1.0,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.4884693920612335},{"word":"i","start":554.785,"end":554.865,"confidence":0.60498047,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.5995096564292908},{"word":"wanted","start":554.865,"end":555.185,"confidence":0.48339844,"punctuated_word":"wanted","sentiment":"negative","sentiment_score":-0.5605809092521667},{"word":"to","start":555.185,"end":555.345,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5522969961166382},{"word":"kind","start":555.345,"end":555.58496,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"negative","sentiment_score":-0.5071303248405457},{"word":"of","start":555.58496,"end":555.665,"confidence":0.99902344,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5371755957603455},{"word":"move","start":555.665,"end":555.985,"confidence":1.0,"punctuated_word":"move","sentiment":"negative","sentiment_score":-0.5326338410377502},{"word":"all","start":555.985,"end":556.105,"confidence":0.9970703,"punctuated_word":"all","sentiment":"negative","sentiment_score":-0.5825522541999817},{"word":"of","start":556.105,"end":556.225,"confidence":0.5371094,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5897096395492554},{"word":"our","start":556.225,"end":556.38495,"confidence":0.9013672,"punctuated_word":"our","sentiment":"negative","sentiment_score":-0.6187227368354797},{"word":"clients","start":556.38495,"end":556.865,"confidence":0.9921875,"punctuated_word":"clients","sentiment":"negative","sentiment_score":-0.606757402420044},{"word":"away","start":556.865,"end":557.185,"confidence":1.0,"punctuated_word":"away","sentiment":"negative","sentiment_score":-0.4454915225505829},{"word":"from","start":557.185,"end":557.425,"confidence":1.0,"punctuated_word":"from","sentiment":"negative","sentiment_score":-0.48606038093566895},{"word":"that","start":557.425,"end":557.925,"confidence":0.96655273,"punctuated_word":"that.","sentiment":"negative","sentiment_score":-0.43855345249176025},{"word":"just","start":559.58496,"end":559.90497,"confidence":0.80126953,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.13696016371250153},{"word":"sort","start":559.90497,"end":560.065,"confidence":0.96972656,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.17146679759025574},{"word":"of","start":560.065,"end":560.225,"confidence":0.8496094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13760825991630554},{"word":"having","start":560.225,"end":560.46497,"confidence":0.9970703,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.18419161438941956},{"word":"a","start":560.46497,"end":560.545,"confidence":0.9506836,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09489375352859496},{"word":"look","start":560.545,"end":560.785,"confidence":0.99121094,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.10993579030036926},{"word":"at","start":560.785,"end":560.865,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.08035199344158173},{"word":"because","start":560.94495,"end":561.105,"confidence":0.99902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.04191829264163971},{"word":"i'd","start":561.105,"end":561.345,"confidence":0.9995117,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.14494171738624573},{"word":"love","start":561.345,"end":561.505,"confidence":0.99902344,"punctuated_word":"love","sentiment":"neutral","sentiment_score":-0.061013177037239075},{"word":"to","start":561.505,"end":561.58496,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06283438205718994},{"word":"definitely","start":561.58496,"end":561.985,"confidence":0.9980469,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":-0.1818503439426422},{"word":"remove","start":561.985,"end":562.305,"confidence":0.99902344,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.19592970609664917},{"word":"this","start":562.305,"end":562.46497,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.2495832592248917},{"word":"from","start":562.46497,"end":562.70496,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.2589123845100403},{"word":"your","start":562.70496,"end":562.94495,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.028457701206207275},{"word":"portfolio","start":562.94495,"end":563.44495,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.19847354292869568},{"word":"and","start":563.505,"end":563.665,"confidence":0.97314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13339734077453613},{"word":"try","start":563.665,"end":563.90497,"confidence":0.96777344,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.18708020448684692},{"word":"to","start":563.90497,"end":564.065,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15168461203575134},{"word":"find","start":564.065,"end":564.305,"confidence":1.0,"punctuated_word":"find","sentiment":"neutral","sentiment_score":-0.0977347493171692},{"word":"something","start":564.305,"end":564.70496,"confidence":0.99902344,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.09753106534481049},{"word":"else","start":564.70496,"end":564.94495,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":-0.06134748458862305},{"word":"there","start":564.94495,"end":565.425,"confidence":0.99365234,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.00008150935173034668},{"word":"we","start":565.425,"end":565.58496,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.021298356354236603},{"word":"do","start":565.58496,"end":565.82495,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11211025714874268},{"word":"have","start":565.82495,"end":565.985,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06202082335948944},{"word":"a","start":565.985,"end":566.065,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10894311964511871},{"word":"couple","start":566.065,"end":566.38495,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.1314794272184372},{"word":"of","start":566.38495,"end":566.545,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11883711069822311},{"word":"different","start":566.545,"end":566.94495,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.0873333215713501},{"word":"options","start":566.94495,"end":567.44495,"confidence":0.99902344,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.055623989552259445},{"word":"to","start":567.505,"end":567.58496,"confidence":0.89453125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06719271093606949},{"word":"look","start":567.58496,"end":567.90497,"confidence":0.9941406,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.02157503366470337},{"word":"at","start":567.90497,"end":568.2,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.056114643812179565},{"word":"for","start":568.2,"end":568.44,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04513087868690491},{"word":"the","start":568.44,"end":568.68,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05967003107070923},{"word":"replacement","start":568.68,"end":569.16003,"confidence":1.0,"punctuated_word":"replacement","sentiment":"neutral","sentiment_score":-0.007478557527065277},{"word":"of","start":569.16003,"end":569.32,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05423165112733841},{"word":"that","start":569.32,"end":569.56,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0409618616104126},{"word":"investment","start":569.56,"end":570.06,"confidence":0.89697266,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.004018699750304222},{"word":"but","start":570.76,"end":571.0,"confidence":0.53564453,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.02014199271798134},{"word":"did","start":571.0,"end":571.24,"confidence":0.39868164,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.01835690066218376},{"word":"you","start":571.24,"end":571.4,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017903588712215424},{"word":"wanna","start":571.4,"end":571.64,"confidence":0.97314453,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.03969842195510864},{"word":"look","start":571.64,"end":571.88,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.010322298854589462},{"word":"at","start":571.88,"end":572.04004,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.016021862626075745},{"word":"something","start":572.04004,"end":572.36,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.03132784366607666},{"word":"a","start":572.36,"end":572.44,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.011741198599338531},{"word":"bit","start":572.44,"end":572.68,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.005958519876003265},{"word":"more","start":572.68,"end":572.92,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.01137366145849228},{"word":"actively","start":572.92,"end":573.32,"confidence":1.0,"punctuated_word":"actively","sentiment":"neutral","sentiment_score":0.058704085648059845},{"word":"managed","start":573.32,"end":573.8,"confidence":0.99121094,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":-0.003267906606197357},{"word":"like","start":573.8,"end":573.96,"confidence":0.81640625,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.011829935014247894},{"word":"what","start":573.96,"end":574.2,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08778314292430878},{"word":"you","start":574.2,"end":574.36,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05126335099339485},{"word":"have","start":574.36,"end":574.60004,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06676177680492401},{"word":"here","start":574.60004,"end":574.84,"confidence":0.8918457,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.04177699610590935},{"word":"or","start":574.84,"end":575.08,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.020504295825958252},{"word":"did","start":575.08,"end":575.24,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.031011808663606644},{"word":"you","start":575.24,"end":575.32,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008669562637805939},{"word":"wanna","start":575.32,"end":575.64,"confidence":0.9580078,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.045206088572740555},{"word":"sort","start":575.64,"end":575.8,"confidence":0.9892578,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.03596195578575134},{"word":"of","start":575.8,"end":575.96,"confidence":0.8330078,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0324573740363121},{"word":"look","start":575.96,"end":576.2,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.01847841590642929},{"word":"at","start":576.2,"end":576.36,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.004929691553115845},{"word":"a","start":576.36,"end":576.44,"confidence":0.9526367,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03278101980686188},{"word":"more","start":576.44,"end":576.60004,"confidence":0.9951172,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.03961174190044403},{"word":"of","start":576.60004,"end":576.76,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0545443594455719},{"word":"a","start":576.76,"end":576.84,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07404258847236633},{"word":"low","start":576.84,"end":577.08,"confidence":0.9951172,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.1150667816400528},{"word":"cost","start":577.08,"end":577.4,"confidence":0.99902344,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.06913314014673233},{"word":"investment","start":577.4,"end":577.88,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.04733800143003464},{"word":"to","start":577.88,"end":578.12,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08530391752719879},{"word":"replace","start":578.12,"end":578.52,"confidence":0.9472656,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":0.05269934982061386},{"word":"that","start":578.52,"end":578.76,"confidence":0.3215332,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04029860347509384},{"word":"along","start":578.76,"end":579.08,"confidence":0.95166016,"punctuated_word":"along?","sentiment":"neutral","sentiment_score":0.03135302662849426},{"word":"what","start":579.08,"end":579.24,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.0008133836090564728},{"word":"would","start":579.24,"end":579.4,"confidence":0.99121094,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.005883269011974335},{"word":"your","start":579.4,"end":579.64,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.014422010630369186},{"word":"thoughts","start":579.64,"end":579.96,"confidence":0.96875,"punctuated_word":"thoughts","sentiment":"neutral","sentiment_score":-0.01875309646129608},{"word":"be","start":579.96,"end":580.12,"confidence":0.9921875,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.009092334657907486},{"word":"around","start":580.12,"end":580.44,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.020621750503778458},{"word":"that","start":580.44,"end":580.935,"confidence":0.99560547,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.023164790123701096},{"word":"yeah","start":591.815,"end":592.315,"confidence":0.85180664,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04570244997739792},{"word":"that's","start":599.67,"end":599.99,"confidence":0.98168945,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.20263338088989255},{"word":"okay","start":599.99,"end":600.49,"confidence":0.99902344,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.14147630333900452},{"word":"yeah","start":602.07,"end":602.57,"confidence":0.9885254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.021588198840618137},{"word":"yeah","start":603.11,"end":603.61,"confidence":0.98339844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01663830503821373},{"word":"yeah","start":605.92505,"end":606.42505,"confidence":0.9880371,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05651728808879852},{"word":"yes","start":609.765,"end":610.265,"confidence":0.9926758,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.08885468542575836},{"word":"yeah","start":611.525,"end":612.025,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07323001325130463},{"word":"yeah","start":620.66,"end":620.82,"confidence":0.90478516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1290624737739563},{"word":"absolutely","start":620.82,"end":621.32,"confidence":0.93066406,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.31691503524780273},{"word":"yeah","start":624.42,"end":624.92,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16463473439216614},{"word":"absolutely","start":625.22,"end":625.72,"confidence":0.99560547,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.2020758092403412},{"word":"yeah","start":626.74,"end":627.24,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19776961207389832},{"word":"perfect","start":628.33997,"end":628.83997,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.32713818550109863},{"word":"no","start":629.315,"end":629.475,"confidence":0.98999023,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.030758246779441833},{"word":"that's","start":629.475,"end":629.71497,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.13382157683372498},{"word":"okay","start":629.71497,"end":630.21497,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.08733256906270981},{"word":"what","start":630.355,"end":630.595,"confidence":0.9970703,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.07936684787273407},{"word":"i","start":630.595,"end":630.755,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12798798084259033},{"word":"can","start":630.755,"end":630.995,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2766552269458771},{"word":"definitely","start":630.995,"end":631.315,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.2981898784637451},{"word":"look","start":631.315,"end":631.555,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.24052545428276065},{"word":"at","start":631.555,"end":631.71497,"confidence":0.95410156,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2791709899902344},{"word":"for","start":631.71497,"end":631.875,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2795524299144745},{"word":"you","start":631.875,"end":632.035,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3055577278137207},{"word":"to","start":632.035,"end":632.195,"confidence":0.98095703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2695060074329376},{"word":"make","start":632.195,"end":632.355,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.3115355968475342},{"word":"it","start":632.355,"end":632.435,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2899371087551117},{"word":"a","start":632.435,"end":632.515,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3054131269454956},{"word":"bit","start":632.515,"end":632.755,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.238687664270401},{"word":"easier","start":632.755,"end":633.075,"confidence":0.96435547,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.2914026975631714},{"word":"if","start":633.075,"end":633.15497,"confidence":0.7739258,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2558368444442749},{"word":"you","start":633.15497,"end":633.315,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2266964316368103},{"word":"like","start":633.315,"end":633.555,"confidence":0.9970703,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2062956988811493},{"word":"is","start":633.555,"end":633.71497,"confidence":0.9506836,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1823720782995224},{"word":"obviously","start":633.71497,"end":634.035,"confidence":0.6557617,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.2225177139043808},{"word":"the","start":634.035,"end":634.195,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.226969450712204},{"word":"cost","start":634.195,"end":634.515,"confidence":0.9980469,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.22625082731246948},{"word":"side","start":634.515,"end":634.675,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.24494610726833344},{"word":"of","start":634.675,"end":634.755,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3041435182094574},{"word":"things","start":634.755,"end":635.075,"confidence":0.96875,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.18292002379894257},{"word":"so","start":635.075,"end":635.235,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08777164667844772},{"word":"we","start":635.235,"end":635.39496,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14165641367435455},{"word":"can","start":635.39496,"end":635.555,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15565718710422516},{"word":"look","start":635.555,"end":635.71497,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.13029040396213531},{"word":"at","start":635.71497,"end":636.195,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11689859628677368},{"word":"how","start":636.195,"end":636.435,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.06997913122177124},{"word":"much","start":636.435,"end":636.675,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.0973724126815796},{"word":"you","start":636.675,"end":636.83496,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14123860001564026},{"word":"were","start":636.83496,"end":637.075,"confidence":0.9873047,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.05036977678537369},{"word":"paying","start":637.075,"end":637.39496,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.06618888676166534},{"word":"for","start":637.39496,"end":637.555,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06948956847190857},{"word":"that","start":637.555,"end":637.795,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09049391001462936},{"word":"manage","start":637.795,"end":638.115,"confidence":0.5332031,"punctuated_word":"manage","sentiment":"neutral","sentiment_score":0.0827665701508522},{"word":"fund","start":638.195,"end":638.435,"confidence":0.52197266,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.10974983870983124},{"word":"and","start":638.435,"end":638.595,"confidence":0.6010742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1041652113199234},{"word":"management","start":638.595,"end":639.095,"confidence":0.9970703,"punctuated_word":"management","sentiment":"neutral","sentiment_score":0.09002438932657242},{"word":"fees","start":639.15497,"end":639.475,"confidence":0.9892578,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.1911273747682571},{"word":"and","start":639.475,"end":639.635,"confidence":0.6845703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13950125873088837},{"word":"maybe","start":639.635,"end":639.95496,"confidence":1.0,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.12261401116847992},{"word":"look","start":639.95496,"end":640.115,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.12516191601753235},{"word":"at","start":640.115,"end":640.355,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.16155675053596497},{"word":"something","start":640.355,"end":640.83496,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.0891292616724968},{"word":"a","start":640.83496,"end":640.915,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12219323217868804},{"word":"bit","start":640.915,"end":641.15497,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.12577170133590698},{"word":"more","start":641.15497,"end":641.315,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.08898196369409561},{"word":"lower","start":641.315,"end":641.71497,"confidence":1.0,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.2179108560085297},{"word":"cost","start":641.71497,"end":642.035,"confidence":0.8605957,"punctuated_word":"cost,","sentiment":"neutral","sentiment_score":0.18728414177894592},{"word":"which","start":642.035,"end":642.355,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.2572374641895294},{"word":"has","start":642.355,"end":642.595,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.21962054073810575},{"word":"provided","start":642.595,"end":643.075,"confidence":1.0,"punctuated_word":"provided","sentiment":"positive","sentiment_score":0.3740990161895752},{"word":"a","start":643.075,"end":643.15497,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3285844922065735},{"word":"greater","start":643.15497,"end":643.475,"confidence":0.9980469,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.29799458384513855},{"word":"level","start":643.475,"end":643.795,"confidence":1.0,"punctuated_word":"level","sentiment":"positive","sentiment_score":0.3865002989768982},{"word":"of","start":643.795,"end":644.035,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.32614025473594666},{"word":"past","start":644.035,"end":644.27496,"confidence":0.8598633,"punctuated_word":"past","sentiment":"positive","sentiment_score":0.35440582036972046},{"word":"return","start":644.27496,"end":644.77496,"confidence":0.81884766,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":0.30438485741615295},{"word":"but","start":645.34,"end":645.42,"confidence":0.9863281,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.20141443610191345},{"word":"also","start":645.42,"end":645.82,"confidence":0.50439453,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2010350227355957},{"word":"maybe","start":645.82,"end":646.14,"confidence":0.8989258,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.18946735560894012},{"word":"puts","start":646.14,"end":646.38,"confidence":0.48950195,"punctuated_word":"puts","sentiment":"neutral","sentiment_score":0.1938691139221191},{"word":"more","start":646.38,"end":646.62,"confidence":0.9941406,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.22127258777618408},{"word":"diversification","start":646.62,"end":647.12,"confidence":0.9980469,"punctuated_word":"diversification","sentiment":"neutral","sentiment_score":0.25946807861328125},{"word":"in","start":647.42,"end":647.5,"confidence":0.56396484,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.23210498690605164},{"word":"there","start":647.5,"end":647.74,"confidence":0.86694336,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.22838330268859863},{"word":"so","start":647.74,"end":647.9,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07145723700523376},{"word":"one","start":647.9,"end":648.06,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.1240273043513298},{"word":"of","start":648.06,"end":648.14,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09459056705236436},{"word":"the","start":648.14,"end":648.3,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15796160697937012},{"word":"things","start":648.3,"end":648.54,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.2013934850692749},{"word":"i","start":648.54,"end":648.78,"confidence":0.7583008,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1871911585330963},{"word":"like","start":648.78,"end":649.02,"confidence":0.44140625,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.18115024268627167},{"word":"to","start":649.02,"end":649.1,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1441486030817032},{"word":"look","start":649.1,"end":649.26,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.11225678771734238},{"word":"at","start":649.26,"end":649.76,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.17431765794754028},{"word":"as","start":649.98,"end":650.14,"confidence":0.84716797,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08724367618560791},{"word":"an","start":650.14,"end":650.3,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.11877605319023132},{"word":"adviser","start":650.3,"end":650.8,"confidence":0.8769531,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.14180883765220642},{"word":"is","start":650.86,"end":651.34,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13377335667610168},{"word":"with","start":651.34,"end":651.58,"confidence":0.7890625,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09963712096214294},{"word":"benelon","start":651.58,"end":652.06,"confidence":0.6519165,"punctuated_word":"Benelon,","sentiment":"neutral","sentiment_score":0.09037385135889052},{"word":"they","start":652.06,"end":652.3,"confidence":0.9951172,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.1170368790626526},{"word":"hold","start":652.3,"end":652.46,"confidence":0.90625,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.09765900671482086},{"word":"anywhere","start":652.46,"end":652.86,"confidence":1.0,"punctuated_word":"anywhere","sentiment":"neutral","sentiment_score":0.07508273422718048},{"word":"between","start":652.86,"end":653.18,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.042645830661058426},{"word":"15","start":653.18,"end":653.58,"confidence":0.9970703,"punctuated_word":"15","sentiment":"neutral","sentiment_score":0.11300206184387208},{"word":"to","start":653.58,"end":653.74,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.029645919799804688},{"word":"20","start":653.74,"end":654.06,"confidence":1.0,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.12531600892543793},{"word":"different","start":654.06,"end":654.46,"confidence":0.99902344,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.08005419373512268},{"word":"investment","start":654.46,"end":654.94,"confidence":0.9980469,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.018149495124816895},{"word":"options","start":654.94,"end":655.34,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.059251297265291214},{"word":"depending","start":655.34,"end":655.74,"confidence":0.9580078,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":0.09321730583906174},{"word":"on","start":655.74,"end":655.82,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08596602082252502},{"word":"what","start":655.82,"end":655.98,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.04611837863922119},{"word":"they're","start":655.98,"end":656.22003,"confidence":0.99365234,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.01711662858724594},{"word":"invested","start":656.22003,"end":656.7,"confidence":0.99609375,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.005326375365257263},{"word":"in","start":656.7,"end":657.135,"confidence":0.8654785,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.0389585942029953},{"word":"whereas","start":657.295,"end":657.615,"confidence":0.99609375,"punctuated_word":"Whereas","sentiment":"neutral","sentiment_score":-0.03612162917852402},{"word":"there's","start":657.615,"end":657.855,"confidence":0.83154297,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.0241350457072258},{"word":"other","start":657.855,"end":658.175,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.025210890918970108},{"word":"investments","start":658.175,"end":658.675,"confidence":0.9970703,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.03110792487859726},{"word":"out","start":658.735,"end":658.97504,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.030955085530877113},{"word":"there","start":658.97504,"end":659.295,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.02407304383814335},{"word":"that","start":659.295,"end":659.53503,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.039156898856163025},{"word":"might","start":659.53503,"end":659.775,"confidence":0.99902344,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.03115314804017544},{"word":"hold","start":659.775,"end":660.015,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.0613672211766243},{"word":"a","start":660.015,"end":660.175,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.056305039674043655},{"word":"lot","start":660.175,"end":660.41504,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.05003645271062851},{"word":"more","start":660.41504,"end":660.735,"confidence":0.9980469,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.03675726056098938},{"word":"of","start":660.735,"end":661.235,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.047379836440086365},{"word":"australian","start":661.53503,"end":662.015,"confidence":0.9921875,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.06987816095352173},{"word":"equities","start":662.015,"end":662.495,"confidence":0.98999023,"punctuated_word":"equities","sentiment":"neutral","sentiment_score":0.07638111710548401},{"word":"or","start":662.495,"end":662.735,"confidence":0.98535156,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06233862414956093},{"word":"more","start":662.735,"end":662.97504,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.05901248008012771},{"word":"investments","start":662.97504,"end":663.455,"confidence":0.9970703,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.04757595807313919},{"word":"within","start":663.455,"end":663.775,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.08618029952049255},{"word":"their","start":663.775,"end":664.015,"confidence":0.9838867,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.03490797430276871},{"word":"funds","start":664.015,"end":664.41504,"confidence":0.74658203,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":0.07183902710676193},{"word":"which","start":664.41504,"end":664.655,"confidence":0.99902344,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.09263124316930772},{"word":"can","start":664.655,"end":664.815,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1039586067199707},{"word":"give","start":664.815,"end":664.97504,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.10291767865419388},{"word":"you","start":664.97504,"end":665.215,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07712770253419876},{"word":"a","start":665.215,"end":665.295,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1021350845694542},{"word":"greater","start":665.295,"end":665.695,"confidence":0.9951172,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.12146908789873125},{"word":"diversification","start":665.695,"end":666.195,"confidence":0.99902344,"punctuated_word":"diversification","sentiment":"neutral","sentiment_score":0.2076667845249176},{"word":"and","start":666.575,"end":666.815,"confidence":0.55859375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22597278654575348},{"word":"might","start":666.815,"end":667.055,"confidence":0.9951172,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.2745901048183441},{"word":"actually","start":667.055,"end":667.295,"confidence":0.99609375,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.2808237075805664},{"word":"be","start":667.295,"end":667.375,"confidence":0.9448242,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.27365440130233765},{"word":"a","start":667.375,"end":667.455,"confidence":0.39233398,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.285922646522522},{"word":"bit","start":667.455,"end":667.615,"confidence":0.71972656,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.19183200597763064},{"word":"more","start":667.615,"end":667.855,"confidence":0.9716797,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.13837268948554993},{"word":"low","start":667.855,"end":668.09503,"confidence":0.9902344,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.2296898663043976},{"word":"cost","start":668.09503,"end":668.59503,"confidence":0.99316406,"punctuated_word":"cost.","sentiment":"neutral","sentiment_score":0.20099592208862305},{"word":"would","start":668.895,"end":669.055,"confidence":0.9951172,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.0777277797460556},{"word":"you","start":669.055,"end":669.215,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08728155493736267},{"word":"like","start":669.215,"end":669.375,"confidence":0.9902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.11290556192398073},{"word":"me","start":669.375,"end":669.53503,"confidence":0.99121094,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.13449731469154358},{"word":"to","start":669.53503,"end":669.695,"confidence":0.9760742,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12703152000904083},{"word":"sort","start":669.695,"end":669.935,"confidence":0.98535156,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.17572049796581268},{"word":"of","start":669.935,"end":670.015,"confidence":0.9428711,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19681566953659055},{"word":"weigh","start":670.015,"end":670.255,"confidence":0.9951172,"punctuated_word":"weigh","sentiment":"neutral","sentiment_score":0.1298319548368454},{"word":"up","start":670.255,"end":670.335,"confidence":0.7998047,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.17165124416351318},{"word":"those","start":670.335,"end":670.83,"confidence":0.96972656,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.17213329672813416},{"word":"options","start":670.91003,"end":671.23004,"confidence":0.8720703,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.12806272506713867},{"word":"and","start":671.23004,"end":671.31,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.095963716506958},{"word":"see","start":671.31,"end":671.79004,"confidence":0.9951172,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.12100875377655028},{"word":"what","start":671.79004,"end":672.11005,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1199195459485054},{"word":"sort","start":672.11005,"end":672.27,"confidence":0.9941406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.12060009688138962},{"word":"of","start":672.27,"end":672.51,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13726331293582916},{"word":"is","start":672.51,"end":672.75,"confidence":0.9902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13894328474998474},{"word":"preferable","start":672.75,"end":673.23004,"confidence":0.87353516,"punctuated_word":"preferable,","sentiment":"neutral","sentiment_score":0.18467865884304047},{"word":"how","start":673.23004,"end":673.47003,"confidence":0.9980469,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.16197681427001953},{"word":"it","start":673.47003,"end":673.63,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20239610970020297},{"word":"looks","start":673.63,"end":673.95,"confidence":0.796875,"punctuated_word":"looks,","sentiment":"neutral","sentiment_score":0.19523124396800995},{"word":"what","start":673.95,"end":674.11005,"confidence":0.9506836,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1986347734928131},{"word":"puts","start":674.11005,"end":674.35004,"confidence":0.9941406,"punctuated_word":"puts","sentiment":"neutral","sentiment_score":0.20272743701934817},{"word":"you","start":674.35004,"end":674.51,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2185860127210617},{"word":"in","start":674.51,"end":674.67004,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2069903463125229},{"word":"a","start":674.67004,"end":674.75,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17971739172935486},{"word":"greater","start":674.75,"end":675.07,"confidence":0.9970703,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.13730035722255707},{"word":"position","start":675.07,"end":675.47003,"confidence":0.99902344,"punctuated_word":"position","sentiment":"neutral","sentiment_score":0.2491156905889511},{"word":"down","start":675.47003,"end":675.63,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2325240522623062},{"word":"the","start":675.63,"end":675.79004,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18726448714733124},{"word":"track","start":675.79004,"end":676.03,"confidence":0.84887695,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":0.1678064465522766},{"word":"and","start":676.03,"end":676.53,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12455467879772186},{"word":"maybe","start":676.59,"end":676.99,"confidence":0.9970703,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.13891318440437317},{"word":"make","start":676.99,"end":677.15,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.12745428085327148},{"word":"a","start":677.15,"end":677.31,"confidence":0.9790039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16724902391433716},{"word":"recommendation","start":677.31,"end":677.81,"confidence":1.0,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.18939431011676788},{"word":"on","start":677.95,"end":678.19,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.154045969247818},{"word":"switching","start":678.19,"end":678.51,"confidence":0.9980469,"punctuated_word":"switching","sentiment":"neutral","sentiment_score":0.13045144081115723},{"word":"that","start":678.51,"end":678.67004,"confidence":0.74853516,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1288931369781494},{"word":"investment","start":678.67004,"end":679.15,"confidence":0.9980469,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.04666533321142197},{"word":"out","start":679.15,"end":679.39,"confidence":0.93359375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.12136784195899963},{"word":"for","start":679.39,"end":679.55,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1239570900797844},{"word":"you","start":679.55,"end":680.05,"confidence":0.9880371,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.10357123613357544},{"word":"yeah","start":681.87,"end":682.37,"confidence":0.67871094,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.25951558351516724},{"word":"that's","start":683.10504,"end":683.42505,"confidence":0.9589844,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2828082740306854},{"word":"okay","start":683.42505,"end":683.905,"confidence":0.9133301,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.2211911678314209},{"word":"not","start":683.905,"end":684.065,"confidence":0.99902344,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.27831506729125977},{"word":"a","start":684.065,"end":684.22504,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1649644523859024},{"word":"problem","start":684.22504,"end":684.54504,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.1981732547283173},{"word":"at","start":684.54504,"end":684.78503,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.16185888648033142},{"word":"all","start":684.78503,"end":685.10504,"confidence":1.0,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.19137337803840637},{"word":"it's","start":685.10504,"end":685.42505,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.13774067163467407},{"word":"always","start":685.42505,"end":685.66504,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.1646844744682312},{"word":"good","start":685.66504,"end":685.825,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.14902643859386444},{"word":"to","start":685.825,"end":685.905,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1748535931110382},{"word":"check","start":685.905,"end":686.22504,"confidence":0.9890137,"punctuated_word":"check.","sentiment":"neutral","sentiment_score":0.1586952805519104},{"word":"not","start":686.22504,"end":686.385,"confidence":1.0,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.015372343361377716},{"word":"everyone","start":686.385,"end":686.78503,"confidence":1.0,"punctuated_word":"everyone","sentiment":"neutral","sentiment_score":0.012184076011180878},{"word":"sort","start":686.78503,"end":686.945,"confidence":0.97802734,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0178399458527565},{"word":"of","start":686.945,"end":687.10504,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02404877543449402},{"word":"knows","start":687.10504,"end":687.34503,"confidence":0.9970703,"punctuated_word":"knows","sentiment":"neutral","sentiment_score":0.0008739680051803589},{"word":"what","start":687.34503,"end":687.585,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0002714022994041443},{"word":"they're","start":687.585,"end":687.825,"confidence":0.99902344,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.018851924687623978},{"word":"after","start":687.825,"end":688.065,"confidence":0.9941406,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.02058570086956024},{"word":"with","start":688.065,"end":688.30505,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04098644107580185},{"word":"investments","start":688.30505,"end":688.80505,"confidence":0.92333984,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.04435992240905762},{"word":"but","start":688.86505,"end":689.025,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06862731277942657},{"word":"it's","start":689.025,"end":689.265,"confidence":0.75024414,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.12227883189916612},{"word":"always","start":689.265,"end":689.505,"confidence":0.9873047,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.16688570380210876},{"word":"sort","start":689.505,"end":689.66504,"confidence":0.9921875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.15591232478618622},{"word":"of","start":689.66504,"end":689.745,"confidence":0.77734375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15171825885772705},{"word":"good","start":689.745,"end":689.98505,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.1101813018321991},{"word":"to","start":689.98505,"end":690.065,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14435431361198425},{"word":"check","start":690.065,"end":690.30505,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.1291286200284958},{"word":"because","start":690.30505,"end":690.54504,"confidence":0.8100586,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.10019581019878387},{"word":"some","start":690.54504,"end":690.705,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.11752783507108688},{"word":"people","start":690.705,"end":690.945,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.08962596952915192},{"word":"have","start":690.945,"end":691.185,"confidence":0.9921875,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11703765392303468},{"word":"more","start":691.185,"end":691.34503,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.06920291483402252},{"word":"of","start":691.34503,"end":691.505,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11835934221744536},{"word":"a","start":691.505,"end":691.585,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09862616658210754},{"word":"preference","start":691.585,"end":692.085,"confidence":1.0,"punctuated_word":"preference","sentiment":"neutral","sentiment_score":0.06521905958652496},{"word":"than","start":692.30505,"end":692.54504,"confidence":0.9760742,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.1134183630347252},{"word":"others","start":692.54504,"end":692.945,"confidence":0.93310547,"punctuated_word":"others.","sentiment":"neutral","sentiment_score":0.08945774286985397},{"word":"so","start":692.945,"end":693.185,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.18895865976810455},{"word":"i","start":693.185,"end":693.265,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.28106391429901123},{"word":"do","start":693.265,"end":693.42505,"confidence":0.99121094,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.28583046793937683},{"word":"like","start":693.42505,"end":693.66504,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.292177677154541},{"word":"to","start":693.66504,"end":693.745,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2845154404640198},{"word":"kinda","start":693.745,"end":694.065,"confidence":0.9472656,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.3365156352519989},{"word":"gauge","start":694.065,"end":694.385,"confidence":0.9941406,"punctuated_word":"gauge","sentiment":"neutral","sentiment_score":0.2639847993850708},{"word":"how","start":694.385,"end":694.54504,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.22057363390922544},{"word":"everyone's","start":694.54504,"end":695.025,"confidence":0.99658203,"punctuated_word":"everyone's","sentiment":"neutral","sentiment_score":0.2055600881576538},{"word":"feeling","start":695.025,"end":695.42505,"confidence":0.798584,"punctuated_word":"feeling.","sentiment":"neutral","sentiment_score":0.21162870526313785},{"word":"but","start":695.42505,"end":695.73,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.2318017780780792},{"word":"i","start":695.88995,"end":696.05,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2610834240913391},{"word":"can","start":696.05,"end":696.20996,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.25598853826522827},{"word":"have","start":696.20996,"end":696.29,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2557402551174164},{"word":"a","start":696.29,"end":696.37,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26633358001708984},{"word":"look","start":696.37,"end":696.61,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.18986660242080688},{"word":"at","start":696.61,"end":696.69,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.250124454498291},{"word":"all","start":696.69,"end":696.85,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2790527939796448},{"word":"the","start":696.85,"end":697.01,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2413700968027115},{"word":"different","start":697.01,"end":697.25,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.20229557156562805},{"word":"options","start":697.25,"end":697.57,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.1827450692653656},{"word":"for","start":697.57,"end":697.81,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2994080185890198},{"word":"you","start":697.81,"end":698.05,"confidence":0.89697266,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.30308252573013306},{"word":"look","start":698.05,"end":698.20996,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2560553550720215},{"word":"at","start":698.20996,"end":698.29,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2617475688457489},{"word":"what's","start":698.29,"end":698.61,"confidence":1.0,"punctuated_word":"what's","sentiment":"positive","sentiment_score":0.34153398871421814},{"word":"gonna","start":698.61,"end":698.85,"confidence":0.9921875,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.3643016815185547},{"word":"work","start":698.85,"end":699.01,"confidence":0.98291016,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.35691994428634644},{"word":"out","start":699.01,"end":699.25,"confidence":0.9951172,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3776688873767853},{"word":"better","start":699.25,"end":699.57,"confidence":0.99902344,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.24462264776229856},{"word":"for","start":699.57,"end":699.73,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3495059609413147},{"word":"you","start":699.73,"end":700.23,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2649887502193451},{"word":"we","start":700.61,"end":700.93,"confidence":0.92089844,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.11221081763505936},{"word":"do","start":700.93,"end":701.08997,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16844119131565094},{"word":"update","start":701.08997,"end":701.49,"confidence":0.9980469,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.17941612005233765},{"word":"the","start":701.49,"end":701.64996,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15113095939159393},{"word":"advice","start":701.64996,"end":702.05,"confidence":0.9873047,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.15968158841133118},{"word":"to","start":702.05,"end":702.29,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15686741471290588},{"word":"reflect","start":702.29,"end":702.69,"confidence":1.0,"punctuated_word":"reflect","sentiment":"neutral","sentiment_score":0.13910019397735596},{"word":"the","start":702.69,"end":702.93,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14090867340564728},{"word":"changes","start":702.93,"end":703.32996,"confidence":0.98413086,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.12956716120243073},{"word":"show","start":703.32996,"end":703.57,"confidence":0.99902344,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.13374945521354675},{"word":"you","start":703.57,"end":703.73,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15039238333702087},{"word":"the","start":703.73,"end":703.88995,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15338893234729767},{"word":"cost","start":703.88995,"end":704.29,"confidence":0.70703125,"punctuated_word":"cost,","sentiment":"neutral","sentiment_score":0.13419531285762787},{"word":"the","start":704.29,"end":704.44995,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14505337178707123},{"word":"outcomes","start":704.44995,"end":704.94995,"confidence":0.99316406,"punctuated_word":"outcomes,","sentiment":"neutral","sentiment_score":0.12066520750522614},{"word":"the","start":705.32996,"end":705.57,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14550715684890747},{"word":"projection","start":705.57,"end":706.07,"confidence":0.72021484,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":0.1438903510570526},{"word":"side","start":706.13,"end":706.37,"confidence":0.99609375,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.1495058238506317},{"word":"of","start":706.37,"end":706.44995,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17124836146831512},{"word":"things","start":706.44995,"end":706.76996,"confidence":0.8442383,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.13942807912826538},{"word":"so","start":706.76996,"end":706.93,"confidence":0.57177734,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.14355748891830444},{"word":"then","start":706.93,"end":707.08997,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.15932637453079224},{"word":"you","start":707.08997,"end":707.25,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1395099312067032},{"word":"can","start":707.25,"end":707.41,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13581976294517517},{"word":"decide","start":707.41,"end":707.73,"confidence":1.0,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.14205004274845123},{"word":"whether","start":707.73,"end":707.97,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.11139479279518127},{"word":"you're","start":707.97,"end":708.13,"confidence":0.99316406,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.10370751470327376},{"word":"happy","start":708.13,"end":708.44995,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.0899924635887146},{"word":"to","start":708.44995,"end":708.61,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13225987553596497},{"word":"take","start":708.61,"end":708.76996,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.15698207914829254},{"word":"that","start":708.76996,"end":709.01,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21018654108047485},{"word":"advice","start":709.01,"end":709.32996,"confidence":0.99853516,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.12928760051727295},{"word":"does","start":709.32996,"end":709.49,"confidence":0.984375,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.1266094148159027},{"word":"that","start":709.49,"end":709.73,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19954867660999295},{"word":"sound","start":709.73,"end":709.97,"confidence":0.9970703,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.1143805980682373},{"word":"okay","start":709.97,"end":710.47,"confidence":1.0,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.13244393467903137},{"word":"that's","start":712.875,"end":713.195,"confidence":0.9597168,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.28353437781333923},{"word":"okay","start":713.195,"end":713.515,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.24269205331802368},{"word":"that's","start":713.515,"end":713.835,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.20064787566661835},{"word":"not","start":713.835,"end":714.075,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.27705755829811096},{"word":"a","start":714.075,"end":714.155,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16584978997707367},{"word":"problem","start":714.155,"end":714.555,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.19020336866378784},{"word":"at","start":714.555,"end":714.79504,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2885414659976959},{"word":"all","start":714.79504,"end":715.195,"confidence":1.0,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.2998166084289551},{"word":"we","start":715.195,"end":715.435,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.18941718339920044},{"word":"just","start":715.435,"end":715.755,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1709422767162323},{"word":"sort","start":715.755,"end":715.835,"confidence":0.88720703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.14323654770851135},{"word":"of","start":715.835,"end":715.91504,"confidence":0.6489258,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13503307104110718},{"word":"had","start":715.91504,"end":716.075,"confidence":0.9741211,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.148683100938797},{"word":"a","start":716.075,"end":716.155,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20110782980918884},{"word":"really","start":716.155,"end":716.395,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.2543233036994934},{"word":"good","start":716.395,"end":716.555,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.22647666931152344},{"word":"look","start":716.555,"end":716.715,"confidence":0.9501953,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.2760413885116577},{"word":"and","start":716.715,"end":716.875,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2527479827404022},{"word":"i'd","start":716.875,"end":717.03503,"confidence":0.74523926,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.26014065742492676},{"word":"like","start":717.03503,"end":717.275,"confidence":0.9770508,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.19803817570209503},{"word":"to","start":717.275,"end":717.435,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18955229222774503},{"word":"double","start":717.435,"end":717.755,"confidence":0.99902344,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.14556579291820526},{"word":"check","start":717.755,"end":717.995,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.07818494737148285},{"word":"what's","start":717.995,"end":718.23505,"confidence":1.0,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.08272304385900497},{"word":"happening","start":718.23505,"end":718.555,"confidence":1.0,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":0.05239230394363403},{"word":"with","start":718.555,"end":718.715,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0576067790389061},{"word":"your","start":718.715,"end":718.79504,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16169951856136322},{"word":"funds","start":718.79504,"end":719.115,"confidence":0.9951172,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.09429063647985458},{"word":"there","start":719.115,"end":719.195,"confidence":0.8129883,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.07477978616952896},{"word":"and","start":719.195,"end":719.35504,"confidence":0.98291016,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.01831236481666565},{"word":"i","start":719.35504,"end":719.435,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04764857888221741},{"word":"sort","start":719.435,"end":719.675,"confidence":0.98095703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.031975239515304565},{"word":"of","start":719.675,"end":719.755,"confidence":0.9472656,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.051389846950769424},{"word":"noted","start":719.755,"end":720.075,"confidence":0.8076172,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":-0.06753000617027283},{"word":"when","start":720.075,"end":720.315,"confidence":0.9716797,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.09208017587661745},{"word":"bennelong","start":720.315,"end":720.79504,"confidence":0.62402344,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":-0.17960575222969055},{"word":"hasn't","start":720.79504,"end":721.115,"confidence":0.9995117,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":-0.1404068022966385},{"word":"been","start":721.115,"end":721.35504,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.1384161412715912},{"word":"performing","start":721.35504,"end":721.755,"confidence":0.95654297,"punctuated_word":"performing,","sentiment":"neutral","sentiment_score":-0.15254391729831696},{"word":"we","start":721.755,"end":721.91504,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.12509839236736298},{"word":"are","start":721.91504,"end":722.075,"confidence":0.6738281,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.1282951831817627},{"word":"best","start":722.075,"end":722.315,"confidence":0.98828125,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.14353865385055542},{"word":"to","start":722.315,"end":722.47504,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12149663269519806},{"word":"try","start":722.47504,"end":722.635,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.13861116766929626},{"word":"and","start":722.635,"end":722.79504,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1138831302523613},{"word":"remove","start":722.79504,"end":723.115,"confidence":0.99902344,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.09448070824146272},{"word":"that","start":723.115,"end":723.35504,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1465456336736679},{"word":"now","start":723.35504,"end":723.59503,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.1348048746585846},{"word":"rather","start":723.59503,"end":723.835,"confidence":0.9902344,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":-0.07751836627721786},{"word":"than","start":723.835,"end":724.075,"confidence":0.99902344,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.0667450875043869},{"word":"down","start":724.075,"end":724.315,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.15934322774410248},{"word":"the","start":724.315,"end":724.47504,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08139432221651077},{"word":"track","start":724.47504,"end":724.97504,"confidence":0.96069336,"punctuated_word":"track.","sentiment":"neutral","sentiment_score":-0.07518165558576584},{"word":"essentially","start":726.06,"end":726.38,"confidence":0.9645996,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":-0.06302763521671295},{"word":"while","start":726.38,"end":726.86,"confidence":0.6484375,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.10753538459539412},{"word":"it","start":726.86,"end":727.1,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1887304484844208},{"word":"has","start":727.1,"end":727.33997,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.1858346164226532},{"word":"seen","start":727.33997,"end":727.57996,"confidence":0.9951172,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.1906663179397583},{"word":"a","start":727.57996,"end":727.66,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1826702356338501},{"word":"little","start":727.66,"end":727.81995,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.19249886274337769},{"word":"bit","start":727.81995,"end":727.98,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2095259130001068},{"word":"of","start":727.98,"end":728.05994,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.221329003572464},{"word":"a","start":728.05994,"end":728.13995,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.22994518280029297},{"word":"loss","start":728.13995,"end":728.38,"confidence":0.98217773,"punctuated_word":"loss,","sentiment":"neutral","sentiment_score":-0.22111621499061584},{"word":"we","start":728.38,"end":728.54,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1929188370704651},{"word":"don't","start":728.54,"end":728.77997,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.22846144437789917},{"word":"want","start":728.77997,"end":728.86,"confidence":0.99609375,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.31752029061317444},{"word":"that","start":728.86,"end":729.1,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2882763147354126},{"word":"loss","start":729.1,"end":729.33997,"confidence":0.73583984,"punctuated_word":"loss","sentiment":"negative","sentiment_score":-0.3632540106773377},{"word":"to","start":729.33997,"end":729.42,"confidence":0.9091797,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.34569722414016724},{"word":"compound","start":729.42,"end":729.92,"confidence":0.99316406,"punctuated_word":"compound","sentiment":"neutral","sentiment_score":-0.2937096357345581},{"word":"further","start":729.98,"end":730.38,"confidence":0.7907715,"punctuated_word":"further.","sentiment":"neutral","sentiment_score":-0.28862059116363525},{"word":"so","start":730.38,"end":730.62,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.12089750170707704},{"word":"we","start":730.62,"end":730.69995,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.15807832777500153},{"word":"don't","start":730.69995,"end":730.94,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1652185022830963},{"word":"want","start":730.94,"end":731.1,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.1592773050069809},{"word":"you","start":731.1,"end":731.33997,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.15628980100154877},{"word":"invested","start":731.33997,"end":731.74,"confidence":0.9951172,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":-0.1909905821084976},{"word":"in","start":731.74,"end":731.89996,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.25332826375961304},{"word":"anything","start":731.89996,"end":732.22,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.273235559463501},{"word":"that's","start":732.22,"end":732.45996,"confidence":0.98217773,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.22073140740394592},{"word":"been","start":732.45996,"end":732.62,"confidence":0.9951172,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.24584610760211945},{"word":"underperforming","start":732.62,"end":733.12,"confidence":0.99397784,"punctuated_word":"underperforming.","sentiment":"neutral","sentiment_score":-0.1944960355758667},{"word":"fantastic","start":733.89996,"end":734.39996,"confidence":0.99365234,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.38787785172462463},{"word":"excellent","start":735.89996,"end":736.39996,"confidence":0.9523926,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.41705596446990967},{"word":"now","start":737.25995,"end":737.42,"confidence":0.9589844,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.13578055799007416},{"word":"the","start":737.42,"end":737.57996,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08106917142868042},{"word":"other","start":737.57996,"end":737.74,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.11163259297609328},{"word":"thing","start":737.74,"end":737.98,"confidence":0.9980469,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.11361297965049744},{"word":"to","start":737.98,"end":738.06,"confidence":0.9267578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08987544476985931},{"word":"sort","start":738.06,"end":738.3,"confidence":0.9873047,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.07859792560338974},{"word":"of","start":738.3,"end":738.45996,"confidence":0.63427734,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04901640862226486},{"word":"have","start":738.45996,"end":738.54,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06208689138293266},{"word":"a","start":738.54,"end":738.62,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11891213804483414},{"word":"look","start":738.62,"end":738.86,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1115940287709236},{"word":"at","start":738.86,"end":739.01996,"confidence":0.9902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15539416670799255},{"word":"is","start":739.01996,"end":739.25995,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1054738238453865},{"word":"the","start":739.25995,"end":739.33997,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11762411892414092},{"word":"way","start":739.33997,"end":739.5,"confidence":0.99316406,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.12232274562120438},{"word":"you","start":739.5,"end":739.66,"confidence":0.88427734,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1240982860326767},{"word":"are","start":739.66,"end":739.89996,"confidence":0.9135742,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.11262232065200806},{"word":"invested","start":739.89996,"end":740.325,"confidence":0.951416,"punctuated_word":"invested.","sentiment":"neutral","sentiment_score":0.10951052606105804},{"word":"now","start":740.405,"end":740.565,"confidence":0.98828125,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.0902116671204567},{"word":"you","start":740.565,"end":740.72504,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14130012691020966},{"word":"are","start":740.72504,"end":740.885,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.13276851177215576},{"word":"more","start":740.885,"end":741.205,"confidence":0.7817383,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.11436141282320024},{"word":"of","start":741.205,"end":741.28503,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1598450243473053},{"word":"a","start":741.28503,"end":741.445,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17456194758415222},{"word":"growth","start":741.445,"end":741.765,"confidence":0.8769531,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.16923776268959043},{"word":"sort","start":741.765,"end":742.005,"confidence":0.99121094,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.16266801953315735},{"word":"of","start":742.005,"end":742.16504,"confidence":0.9760742,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12753826379776},{"word":"portfolio","start":742.16504,"end":742.66504,"confidence":0.8503418,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.09441591054201126},{"word":"and","start":743.125,"end":743.28503,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0999687910079956},{"word":"when","start":743.28503,"end":743.525,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1242472380399704},{"word":"we","start":743.525,"end":743.60504,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11105205118656158},{"word":"have","start":743.60504,"end":743.84503,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.118138387799263},{"word":"a","start":743.84503,"end":743.925,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13862544298171997},{"word":"look","start":743.925,"end":744.245,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1305889189243317},{"word":"at","start":744.245,"end":744.405,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1594516783952713},{"word":"your","start":744.405,"end":744.645,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13111892342567444},{"word":"time","start":744.645,"end":744.965,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.126905620098114},{"word":"horizon","start":744.965,"end":745.465,"confidence":0.9873047,"punctuated_word":"horizon,","sentiment":"neutral","sentiment_score":0.15979322791099548},{"word":"that","start":745.60504,"end":745.925,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21275374293327332},{"word":"portfolio","start":745.925,"end":746.425,"confidence":0.9970703,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.0811636820435524},{"word":"does","start":746.565,"end":746.805,"confidence":0.9980469,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.2735457122325897},{"word":"generally","start":746.805,"end":747.28503,"confidence":0.99121094,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":0.23076938092708588},{"word":"suit","start":747.28503,"end":747.525,"confidence":0.47583008,"punctuated_word":"suit","sentiment":"neutral","sentiment_score":0.26470741629600525},{"word":"your","start":747.525,"end":747.685,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2393634021282196},{"word":"time","start":747.685,"end":747.925,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.24549877643585205},{"word":"horizon","start":747.925,"end":748.405,"confidence":1.0,"punctuated_word":"horizon","sentiment":"neutral","sentiment_score":0.2248470038175583},{"word":"pretty","start":748.405,"end":748.645,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.3161363899707794},{"word":"well","start":748.645,"end":749.145,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1841874718666077},{"word":"what","start":749.685,"end":749.84503,"confidence":0.8496094,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.12717317044734955},{"word":"a","start":749.84503,"end":750.005,"confidence":0.9267578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12877967953681946},{"word":"growth","start":750.005,"end":750.325,"confidence":0.98535156,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.17205899953842163},{"word":"portfolio","start":750.325,"end":750.825,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.12569941580295563},{"word":"tends","start":750.965,"end":751.365,"confidence":0.99609375,"punctuated_word":"tends","sentiment":"neutral","sentiment_score":0.19384217262268064},{"word":"to","start":751.365,"end":751.445,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15590432286262512},{"word":"see","start":751.445,"end":751.685,"confidence":0.97998047,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.18174727261066437},{"word":"is","start":751.685,"end":751.84503,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17625895142555237},{"word":"about","start":751.84503,"end":752.16504,"confidence":0.95947266,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1650487780570984},{"word":"80%","start":752.16504,"end":752.805,"confidence":1.0,"punctuated_word":"80%","sentiment":"neutral","sentiment_score":0.21330860257148743},{"word":"of","start":752.805,"end":752.885,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18512463569641113},{"word":"your","start":752.885,"end":753.045,"confidence":0.9277344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21987284719944},{"word":"future","start":753.045,"end":753.445,"confidence":0.1697998,"punctuated_word":"future","sentiment":"neutral","sentiment_score":0.17637264728546145},{"word":"invested","start":753.445,"end":753.84503,"confidence":0.96777344,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.1889757215976715},{"word":"in","start":753.84503,"end":754.085,"confidence":0.98095703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.26218748092651367},{"word":"growth","start":754.085,"end":754.405,"confidence":0.9741211,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2219211757183075},{"word":"assets","start":754.405,"end":754.805,"confidence":0.89941406,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.01523946039378643},{"word":"so","start":754.805,"end":754.965,"confidence":0.7949219,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1276894211769104},{"word":"think","start":754.965,"end":755.205,"confidence":0.9135742,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.11954206228256226},{"word":"of","start":755.205,"end":755.28503,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1622784435749054},{"word":"things","start":755.28503,"end":755.525,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.1772407740354538},{"word":"like","start":755.525,"end":755.79,"confidence":0.93408203,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1300375908613205},{"word":"australian","start":755.94995,"end":756.26996,"confidence":0.98828125,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.15481814742088318},{"word":"shares","start":756.26996,"end":756.76996,"confidence":0.9970703,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.14042679965496063},{"word":"international","start":756.82996,"end":757.32996,"confidence":0.99902344,"punctuated_word":"international","sentiment":"neutral","sentiment_score":0.15999320149421692},{"word":"shares","start":757.47,"end":757.94995,"confidence":0.9951172,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.15543466806411743},{"word":"listed","start":757.94995,"end":758.35,"confidence":0.9951172,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.12833818793296814},{"word":"property","start":758.35,"end":758.75,"confidence":0.97753906,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.11917495727539062},{"word":"and","start":758.75,"end":758.91,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12911280989646912},{"word":"also","start":758.91,"end":759.31,"confidence":0.90478516,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.14582669734954834},{"word":"commodities","start":759.31,"end":759.79,"confidence":0.9941406,"punctuated_word":"commodities","sentiment":"neutral","sentiment_score":0.1264798641204834},{"word":"like","start":759.79,"end":760.02997,"confidence":0.78271484,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1974371522665024},{"word":"gold","start":760.02997,"end":760.26996,"confidence":0.9951172,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.19446934759616852},{"word":"and","start":760.26996,"end":760.43,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21558672189712524},{"word":"silver","start":760.43,"end":760.93,"confidence":0.8078613,"punctuated_word":"silver.","sentiment":"neutral","sentiment_score":0.18547913432121277},{"word":"and","start":761.55,"end":761.70996,"confidence":0.6816406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.16405761241912842},{"word":"then","start":761.70996,"end":761.94995,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1262790560722351},{"word":"the","start":761.94995,"end":762.11,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16754348576068878},{"word":"other","start":762.11,"end":762.43,"confidence":0.9863281,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.15507113933563232},{"word":"20%","start":762.43,"end":763.25,"confidence":0.98999023,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":0.255243718624115},{"word":"in","start":763.31,"end":763.55,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2066369652748108},{"word":"lower","start":763.55,"end":763.87,"confidence":1.0,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.23738500475883484},{"word":"risk","start":763.87,"end":764.26996,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.13002018630504608},{"word":"investments","start":764.26996,"end":764.76996,"confidence":0.9404297,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.19411222636699677},{"word":"things","start":764.82996,"end":765.07,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.2715005874633789},{"word":"like","start":765.07,"end":765.38995,"confidence":0.9921875,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2285609096288681},{"word":"cash","start":765.38995,"end":765.70996,"confidence":0.93115234,"punctuated_word":"cash,","sentiment":"neutral","sentiment_score":0.2602270245552063},{"word":"bonds","start":765.70996,"end":766.11,"confidence":0.9387207,"punctuated_word":"bonds,","sentiment":"neutral","sentiment_score":0.25801366567611694},{"word":"and","start":766.11,"end":766.26996,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2389652580022812},{"word":"fixed","start":766.26996,"end":766.67,"confidence":0.99902344,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.18142244219779968},{"word":"interest","start":766.67,"end":767.17,"confidence":0.9267578,"punctuated_word":"interest.","sentiment":"neutral","sentiment_score":0.1969963014125824},{"word":"having","start":768.775,"end":769.095,"confidence":0.94970703,"punctuated_word":"Having","sentiment":"neutral","sentiment_score":0.18766655027866364},{"word":"a","start":769.095,"end":769.175,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.226716548204422},{"word":"look","start":769.175,"end":769.415,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2069009095430374},{"word":"at","start":769.415,"end":769.575,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.21937021613121033},{"word":"where","start":769.575,"end":769.815,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.22391879558563232},{"word":"your","start":769.815,"end":770.055,"confidence":0.6611328,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2351914644241333},{"word":"at","start":770.055,"end":770.295,"confidence":0.41992188,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.16866278648376465},{"word":"time","start":770.295,"end":770.615,"confidence":0.984375,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.18690766394138336},{"word":"horizon","start":770.615,"end":771.015,"confidence":0.9980469,"punctuated_word":"horizon","sentiment":"neutral","sentiment_score":0.2637690305709839},{"word":"was","start":771.015,"end":771.415,"confidence":0.6998291,"punctuated_word":"was,","sentiment":"neutral","sentiment_score":0.20376169681549072},{"word":"now","start":771.415,"end":771.735,"confidence":0.9970703,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.1234726905822754},{"word":"you're","start":771.735,"end":772.055,"confidence":0.98999023,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.18557214736938477},{"word":"still","start":772.055,"end":772.375,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.14577186107635498},{"word":"very","start":772.375,"end":772.615,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.1446930170059204},{"word":"young","start":772.615,"end":772.855,"confidence":0.9770508,"punctuated_word":"young.","sentiment":"neutral","sentiment_score":0.2015785276889801},{"word":"you've","start":772.855,"end":773.015,"confidence":0.9980469,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.2662847638130188},{"word":"got","start":773.015,"end":773.175,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.27879446744918823},{"word":"a","start":773.175,"end":773.255,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.33528855443000793},{"word":"lot","start":773.255,"end":773.495,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.3151565194129944},{"word":"of","start":773.495,"end":773.575,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.30126601457595825},{"word":"time","start":773.575,"end":773.815,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.32521745562553406},{"word":"ahead","start":773.815,"end":774.055,"confidence":1.0,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.2937297821044922},{"word":"of","start":774.055,"end":774.215,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.393510103225708},{"word":"you","start":774.215,"end":774.375,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.323721706867218},{"word":"here","start":774.375,"end":774.695,"confidence":0.8586426,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.2204423546791077},{"word":"so","start":774.695,"end":775.015,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07893544435501099},{"word":"date","start":775.015,"end":775.255,"confidence":0.9526367,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.11126422882080078},{"word":"of","start":775.255,"end":775.335,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10166315734386444},{"word":"birth","start":775.335,"end":775.655,"confidence":1.0,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":0.09438484907150269},{"word":"is","start":775.655,"end":775.895,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10884829610586166},{"word":"'83","start":775.895,"end":776.715,"confidence":0.9980469,"punctuated_word":"'83.","sentiment":"neutral","sentiment_score":0.0957033634185791},{"word":"just","start":778.055,"end":778.295,"confidence":0.9301758,"punctuated_word":"Just","sentiment":"positive","sentiment_score":0.33687901496887207},{"word":"sort","start":778.295,"end":778.455,"confidence":0.9873047,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.3672021329402923},{"word":"of","start":778.455,"end":778.615,"confidence":0.9902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4514952003955841},{"word":"looking","start":778.615,"end":779.015,"confidence":0.9980469,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.45074766874313354},{"word":"forward","start":779.015,"end":779.415,"confidence":0.9951172,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.6062433123588562},{"word":"at","start":779.415,"end":779.915,"confidence":0.98828125,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.6462698578834534},{"word":"your","start":780.375,"end":780.695,"confidence":0.9951172,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.589716911315918},{"word":"goal","start":780.695,"end":781.095,"confidence":0.99609375,"punctuated_word":"goal","sentiment":"positive","sentiment_score":0.5583269596099854},{"word":"around","start":781.095,"end":781.495,"confidence":0.9902344,"punctuated_word":"around","sentiment":"positive","sentiment_score":0.5824757218360901},{"word":"the","start":781.495,"end":781.655,"confidence":0.8671875,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5300641059875488},{"word":"time","start":781.655,"end":781.66766,"confidence":0.9199219,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.5644092559814453},{"word":"and","start":781.66766,"end":781.6803,"confidence":0.75097656,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.555820882320404},{"word":"aspect","start":781.6803,"end":781.69293,"confidence":0.7619629,"punctuated_word":"aspect,","sentiment":"positive","sentiment_score":0.4380059242248535},{"word":"and","start":781.69293,"end":781.70557,"confidence":0.5908203,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4033828675746918},{"word":"i","start":781.70557,"end":781.7182,"confidence":0.42382812,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.300270140171051},{"word":"know","start":781.7182,"end":781.73083,"confidence":0.80908203,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.3395706117153168},{"word":"you've","start":781.73083,"end":781.74347,"confidence":0.80200195,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.2950103282928467},{"word":"got","start":781.74347,"end":781.7561,"confidence":0.9482422,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.31916505098342896},{"word":"a","start":781.7561,"end":781.76874,"confidence":0.87841797,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.34560155868530273},{"word":"lot","start":781.76874,"end":781.7813,"confidence":0.62841797,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.2868380546569824},{"word":"of","start":781.7813,"end":781.79395,"confidence":0.7290039,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3518657684326172},{"word":"time","start":781.79395,"end":781.8066,"confidence":0.5419922,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.34239915013313293},{"word":"ahead","start":781.8066,"end":781.8192,"confidence":0.6503906,"punctuated_word":"ahead","sentiment":"positive","sentiment_score":0.357951819896698},{"word":"of","start":781.8192,"end":781.83185,"confidence":0.7626953,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.415535032749176},{"word":"you","start":781.83185,"end":781.8445,"confidence":0.91503906,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30990779399871826},{"word":"before","start":781.8445,"end":781.8571,"confidence":0.7421875,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.28323525190353394},{"word":"you","start":781.8571,"end":781.86975,"confidence":0.921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23276765644550323},{"word":"reach","start":781.86975,"end":781.8824,"confidence":0.8310547,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.20802727341651917},{"word":"that","start":781.8824,"end":781.895,"confidence":0.89160156,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.2647177577018738},{"word":"but","start":781.895,"end":782.145,"confidence":0.6430664,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.11856105923652648},{"word":"i","start":782.145,"end":782.4,"confidence":0.6875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10312196612358092},{"word":"but","start":786.08,"end":786.32,"confidence":0.6816406,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.049308788031339645},{"word":"are","start":786.32,"end":786.48004,"confidence":0.9873047,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.013720758259296416},{"word":"you","start":786.48004,"end":786.64,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08252343535423279},{"word":"sort","start":786.64,"end":786.88,"confidence":0.984375,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.05824558436870575},{"word":"of","start":786.88,"end":787.04004,"confidence":0.82128906,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1000392884016037},{"word":"hoping","start":787.04004,"end":787.44,"confidence":0.9941406,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.07994139194488525},{"word":"to","start":787.44,"end":787.60004,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.114191934466362},{"word":"be","start":787.60004,"end":787.84,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.11463405936956406},{"word":"able","start":787.84,"end":788.08,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.20138290524482727},{"word":"to","start":788.08,"end":788.24005,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2297547459602356},{"word":"access","start":788.24005,"end":788.72003,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.17733234167099},{"word":"super","start":788.72003,"end":789.2,"confidence":0.7036133,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2992168962955475},{"word":"around","start":789.2,"end":789.52,"confidence":0.9902344,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.15404967963695526},{"word":"about","start":789.52,"end":789.76,"confidence":0.97998047,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.11368027329444884},{"word":"the","start":789.76,"end":789.92004,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13160134851932526},{"word":"age","start":789.92004,"end":790.16003,"confidence":0.984375,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.09842470288276672},{"word":"of","start":790.16003,"end":790.32,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11160203814506532},{"word":"60","start":790.32,"end":790.80005,"confidence":0.99902344,"punctuated_word":"60","sentiment":"neutral","sentiment_score":0.12505292892456055},{"word":"at","start":790.80005,"end":790.88,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1412774920463562},{"word":"the","start":790.88,"end":791.04004,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1480487585067749},{"word":"earliest","start":791.04004,"end":791.54004,"confidence":0.9970703,"punctuated_word":"earliest","sentiment":"neutral","sentiment_score":0.11722902953624724},{"word":"possible","start":791.68005,"end":792.16003,"confidence":0.8952637,"punctuated_word":"possible,","sentiment":"neutral","sentiment_score":0.06403058022260666},{"word":"or","start":792.16003,"end":792.4,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03888877481222153},{"word":"are","start":792.4,"end":792.48004,"confidence":0.9091797,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.006802402436733246},{"word":"you","start":792.48004,"end":792.72003,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04878302663564682},{"word":"sort","start":792.72003,"end":792.88,"confidence":0.9892578,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.003010958433151245},{"word":"of","start":792.88,"end":793.04004,"confidence":0.94384766,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02922952920198441},{"word":"hoping","start":793.04004,"end":793.44,"confidence":0.99902344,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.03859136998653412},{"word":"or","start":793.44,"end":793.60004,"confidence":0.9892578,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.028960853815078735},{"word":"wanting","start":793.60004,"end":793.92004,"confidence":1.0,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.040229737758636475},{"word":"to","start":793.92004,"end":794.16003,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06210966408252716},{"word":"work","start":794.16003,"end":794.4,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.0909845232963562},{"word":"a","start":794.4,"end":794.48004,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.056176554411649704},{"word":"bit","start":794.48004,"end":794.72003,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06728927791118622},{"word":"longer","start":794.72003,"end":795.22003,"confidence":0.99609375,"punctuated_word":"longer?","sentiment":"neutral","sentiment_score":0.09799069166183472},{"word":"what's","start":795.44,"end":795.76,"confidence":0.9951172,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.05595675110816955},{"word":"your","start":795.76,"end":796.0,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05160081759095192},{"word":"long","start":796.0,"end":796.24005,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.059928350150585175},{"word":"term","start":796.24005,"end":796.56,"confidence":0.99609375,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.13862240314483645},{"word":"retirement","start":796.56,"end":797.06,"confidence":0.98828125,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.08104675263166428},{"word":"goal","start":797.2,"end":797.44,"confidence":0.97509766,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.12383782863616943},{"word":"look","start":797.44,"end":797.68005,"confidence":0.9902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07392191886901855},{"word":"like","start":797.68005,"end":798.075,"confidence":0.99365234,"punctuated_word":"like?","sentiment":"neutral","sentiment_score":0.07597490400075912},{"word":"yeah","start":808.555,"end":809.055,"confidence":0.9748535,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09471183270215988},{"word":"okay","start":812.57,"end":813.07,"confidence":0.99609375,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0958491712808609},{"word":"yeah","start":816.49005,"end":816.99005,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.022722497582435608},{"word":"yeah","start":828.02496,"end":828.52496,"confidence":0.9753418,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10104973614215852},{"word":"okay","start":832.665,"end":833.165,"confidence":0.9975586,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05968567728996277},{"word":"yeah","start":844.68,"end":845.0,"confidence":0.9921875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0024726279079914093},{"word":"no","start":845.0,"end":845.24,"confidence":0.99560547,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0403616763651371},{"word":"that's","start":845.24,"end":845.56,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.17905673384666443},{"word":"perfect","start":845.56,"end":846.06,"confidence":0.99560547,"punctuated_word":"perfect.","sentiment":"neutral","sentiment_score":0.23429334163665771},{"word":"yep","start":847.115,"end":847.615,"confidence":0.7648926,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1090553030371666},{"word":"yeah","start":867.93,"end":868.43,"confidence":0.8820801,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07202675938606262},{"word":"yes","start":869.13,"end":869.63,"confidence":0.9104004,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1217980980873108},{"word":"yep","start":878.66504,"end":878.825,"confidence":0.8483887,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09185444563627244},{"word":"right","start":878.825,"end":879.325,"confidence":0.97802734,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.11008364707231522},{"word":"yep","start":879.78503,"end":880.28503,"confidence":0.9914551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12981478869915009},{"word":"that's","start":881.465,"end":881.78503,"confidence":0.9975586,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.22487327456474304},{"word":"okay","start":881.78503,"end":882.265,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.2221648097038269},{"word":"so","start":882.265,"end":882.505,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1435401439666748},{"word":"with","start":882.505,"end":882.66504,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12339673936367036},{"word":"the","start":882.66504,"end":882.825,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1277744024991989},{"word":"goldie","start":882.825,"end":883.22504,"confidence":0.6726074,"punctuated_word":"Goldie","sentiment":"neutral","sentiment_score":0.1967170238494873},{"word":"investment","start":883.22504,"end":883.705,"confidence":0.9614258,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.10358066111803056},{"word":"properties","start":883.705,"end":884.10504,"confidence":0.97753906,"punctuated_word":"properties,","sentiment":"neutral","sentiment_score":0.08197636902332306},{"word":"you've","start":884.10504,"end":884.265,"confidence":0.97216797,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.099837027490139},{"word":"got","start":884.265,"end":884.505,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07280003279447556},{"word":"two","start":884.505,"end":884.66504,"confidence":0.9892578,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.04738934338092804},{"word":"at","start":884.66504,"end":884.825,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07366843521595001},{"word":"the","start":884.825,"end":884.905,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09502870589494704},{"word":"moment","start":884.905,"end":885.405,"confidence":0.9921875,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.04293335601687431},{"word":"you","start":885.95996,"end":886.12,"confidence":0.9892578,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.0032074563205242157},{"word":"kinda","start":886.12,"end":886.43994,"confidence":0.93115234,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.0007082130759954453},{"word":"mentioned","start":886.43994,"end":886.68,"confidence":0.99902344,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.005532563664019108},{"word":"that","start":886.68,"end":886.92,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0034933537244796753},{"word":"you","start":886.92,"end":887.07996,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01425436045974493},{"word":"weren't","start":887.07996,"end":887.24,"confidence":0.9848633,"punctuated_word":"weren't","sentiment":"neutral","sentiment_score":-0.02016803622245789},{"word":"looking","start":887.24,"end":887.56,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.030229048803448677},{"word":"to","start":887.56,"end":887.63995,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.039688318967819214},{"word":"buy","start":887.63995,"end":887.87994,"confidence":1.0,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":-0.07868163287639618},{"word":"any","start":887.87994,"end":888.04,"confidence":0.5107422,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.07958981394767761},{"word":"more","start":888.04,"end":888.27997,"confidence":0.9980469,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.07470940798521042},{"word":"in","start":888.27997,"end":888.36,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03411947190761566},{"word":"the","start":888.36,"end":888.51996,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.021238550543785095},{"word":"short","start":888.51996,"end":888.75995,"confidence":1.0,"punctuated_word":"short","sentiment":"neutral","sentiment_score":-0.0005021952092647552},{"word":"term","start":888.75995,"end":889.0,"confidence":0.99902344,"punctuated_word":"term","sentiment":"neutral","sentiment_score":-0.0015897154808044434},{"word":"at","start":889.0,"end":889.16,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.026907632127404213},{"word":"the","start":889.16,"end":889.24,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.025873392820358276},{"word":"moment","start":889.24,"end":889.48,"confidence":0.83740234,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.022265600040555},{"word":"but","start":889.48,"end":889.63995,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.006514951586723328},{"word":"is","start":889.63995,"end":889.8,"confidence":0.9863281,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.005007543601095676},{"word":"your","start":889.8,"end":889.95996,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.002410084009170532},{"word":"goal","start":889.95996,"end":890.19995,"confidence":0.9980469,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.007938945665955544},{"word":"to","start":890.19995,"end":890.36,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.012217968702316284},{"word":"have","start":890.36,"end":890.6,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.030912308022379875},{"word":"more","start":890.6,"end":890.83997,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.03868959844112396},{"word":"properties","start":890.83997,"end":891.31995,"confidence":0.99902344,"punctuated_word":"properties","sentiment":"neutral","sentiment_score":0.04586219787597656},{"word":"down","start":891.31995,"end":891.48,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.06270565092563629},{"word":"the","start":891.48,"end":891.63995,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06622352451086044},{"word":"track","start":891.63995,"end":891.87994,"confidence":0.8989258,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.08103539794683456},{"word":"to","start":891.87994,"end":892.19995,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0686296597123146},{"word":"sort","start":892.19995,"end":892.36,"confidence":0.9277344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.06374920904636383},{"word":"of","start":892.36,"end":892.51996,"confidence":0.87841797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08140348643064499},{"word":"supplement","start":892.51996,"end":893.01996,"confidence":0.9902344,"punctuated_word":"supplement","sentiment":"neutral","sentiment_score":0.08110806345939636},{"word":"super","start":893.16,"end":893.63995,"confidence":0.9716797,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.12316153198480606},{"word":"as","start":893.63995,"end":894.13995,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08195481449365616},{"word":"income","start":894.19995,"end":894.6,"confidence":0.82373047,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.11219996213912964},{"word":"in","start":894.6,"end":894.83997,"confidence":0.79052734,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05656271427869797},{"word":"retirement","start":894.83997,"end":895.33997,"confidence":0.7565918,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":0.05115653574466705},{"word":"or","start":895.56,"end":895.8,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.044131532311439514},{"word":"what's","start":895.8,"end":896.12,"confidence":0.99658203,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.03659713640809059},{"word":"your","start":896.12,"end":896.43994,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.027524489909410477},{"word":"goal","start":896.43994,"end":896.68,"confidence":0.9941406,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.033679522573947906},{"word":"with","start":896.68,"end":896.83997,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03984146937727928},{"word":"those","start":896.83997,"end":897.33997,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.033215224742889404},{"word":"at","start":897.39996,"end":897.56,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.01492351107299328},{"word":"the","start":897.56,"end":897.72,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.026228822767734528},{"word":"moment","start":897.72,"end":898.22,"confidence":0.99902344,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.031524233520030975},{"word":"yep","start":901.215,"end":901.715,"confidence":0.9226074,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03159081190824509},{"word":"yep","start":909.775,"end":910.255,"confidence":0.8642578,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0593661293387413},{"word":"no","start":910.255,"end":910.495,"confidence":0.9970703,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.06345383822917938},{"word":"that's","start":910.495,"end":910.73505,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.14295293390750885},{"word":"okay","start":910.73505,"end":911.055,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.20068883895874023},{"word":"that's","start":911.055,"end":911.29504,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.6177699565887451},{"word":"perfect","start":911.29504,"end":911.695,"confidence":0.99853516,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.6340208053588867},{"word":"it","start":911.695,"end":911.85504,"confidence":0.98095703,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.4494705498218536},{"word":"kinda","start":911.85504,"end":912.09503,"confidence":0.92822266,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.4467701315879822},{"word":"gives","start":912.09503,"end":912.335,"confidence":0.9902344,"punctuated_word":"gives","sentiment":"positive","sentiment_score":0.35252076387405396},{"word":"me","start":912.335,"end":912.495,"confidence":0.92578125,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.3900028467178345},{"word":"an","start":912.495,"end":912.575,"confidence":0.9980469,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.3686339259147644},{"word":"idea","start":912.575,"end":912.815,"confidence":1.0,"punctuated_word":"idea","sentiment":"positive","sentiment_score":0.3428995907306671},{"word":"of","start":912.815,"end":912.895,"confidence":0.94921875,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3671700358390808},{"word":"where","start":912.895,"end":913.055,"confidence":0.9892578,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.2960902154445648},{"word":"we're","start":913.055,"end":913.29504,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.32559916377067566},{"word":"tracking","start":913.29504,"end":913.695,"confidence":0.97631836,"punctuated_word":"tracking.","sentiment":"positive","sentiment_score":0.3459235429763794},{"word":"so","start":913.695,"end":914.13,"confidence":0.9355469,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.21622875332832336},{"word":"i","start":914.21,"end":914.29,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16991890966892242},{"word":"mean","start":914.29,"end":914.53,"confidence":1.0,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.21145793795585632},{"word":"realistically","start":914.53,"end":914.81006,"confidence":0.99560547,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.2157098352909088},{"word":"the","start":914.81006,"end":915.09,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20994076132774353},{"word":"way","start":915.09,"end":915.25,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.1904734969139099},{"word":"i","start":915.25,"end":915.41003,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1846894472837448},{"word":"sort","start":915.41003,"end":915.65,"confidence":0.9838867,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.19902268052101135},{"word":"of","start":915.65,"end":915.73,"confidence":0.8911133,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.222139373421669},{"word":"see","start":915.73,"end":915.89,"confidence":0.9291992,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1993371844291687},{"word":"things","start":915.89,"end":916.13,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.1757158190011978},{"word":"at","start":916.13,"end":916.21,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1620296835899353},{"word":"the","start":916.21,"end":916.37,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17840799689292908},{"word":"moment","start":916.37,"end":916.61,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.17361511290073395},{"word":"is","start":916.61,"end":916.77,"confidence":0.9550781,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16820482909679413},{"word":"you're","start":916.77,"end":916.93,"confidence":0.9794922,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.208454892039299},{"word":"wanting","start":916.93,"end":917.17,"confidence":0.9970703,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.22728750109672544},{"word":"to","start":917.17,"end":917.25,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28023117780685425},{"word":"build","start":917.25,"end":917.49,"confidence":0.99902344,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.26621711254119873},{"word":"your","start":917.49,"end":917.73,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2935299575328827},{"word":"super","start":917.73,"end":918.05,"confidence":0.64990234,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.381281703710556},{"word":"as","start":918.05,"end":918.21,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2744053304195404},{"word":"much","start":918.21,"end":918.53,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.33157989382743835},{"word":"as","start":918.53,"end":918.77,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2153947502374649},{"word":"possible","start":918.77,"end":919.17,"confidence":1.0,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.25070562958717346},{"word":"because","start":919.17,"end":919.57,"confidence":0.8310547,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.2097130715847015},{"word":"your","start":919.57,"end":919.81,"confidence":0.97802734,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.27168312668800354},{"word":"super","start":919.81,"end":920.13,"confidence":0.9760742,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.304416686296463},{"word":"is","start":920.13,"end":920.29,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.27162817120552063},{"word":"the","start":920.29,"end":920.45,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25553932785987854},{"word":"one","start":920.45,"end":920.61,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.2757846713066101},{"word":"that's","start":920.61,"end":920.85,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.27049756050109863},{"word":"gonna","start":920.85,"end":921.09,"confidence":0.9863281,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.2914707064628601},{"word":"be","start":921.09,"end":921.25,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.28692862391471863},{"word":"relied","start":921.25,"end":921.65,"confidence":0.9980469,"punctuated_word":"relied","sentiment":"neutral","sentiment_score":0.26175329089164734},{"word":"on","start":921.65,"end":921.81,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.3099963665008545},{"word":"down","start":921.81,"end":921.97003,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.23223815858364105},{"word":"the","start":921.97003,"end":922.13,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24602025747299192},{"word":"track","start":922.13,"end":922.37,"confidence":0.85961914,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":0.1875301897525787},{"word":"but","start":922.37,"end":922.61,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.14948388934135437},{"word":"then","start":922.61,"end":922.85,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.15637598931789398},{"word":"supplementing","start":922.85,"end":923.35,"confidence":0.99902344,"punctuated_word":"supplementing","sentiment":"neutral","sentiment_score":0.148321270942688},{"word":"that","start":923.57,"end":923.81,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16055136919021606},{"word":"by","start":923.81,"end":924.31,"confidence":0.99316406,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.15055961906909943},{"word":"maybe","start":924.37,"end":924.87,"confidence":0.95410156,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.19256046414375305},{"word":"working","start":924.93,"end":925.33,"confidence":0.8100586,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.13699036836624146},{"word":"longer","start":925.33,"end":925.73,"confidence":1.0,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":0.14782267808914185},{"word":"and","start":925.73,"end":925.89,"confidence":0.9091797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1381225883960724},{"word":"part","start":925.89,"end":926.21,"confidence":1.0,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.12849324941635132},{"word":"time","start":926.21,"end":926.53,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1327003687620163},{"word":"if","start":926.53,"end":926.69,"confidence":0.8496094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.18969851732254028},{"word":"you","start":926.69,"end":926.85,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22899016737937927},{"word":"can","start":926.85,"end":927.17,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1911165565252304},{"word":"or","start":927.17,"end":927.33,"confidence":0.8588867,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.19357316195964813},{"word":"if","start":927.33,"end":927.49,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1830812990665436},{"word":"you're","start":927.49,"end":927.885,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.18400034308433533},{"word":"comfortable","start":928.045,"end":928.365,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.11696945130825044},{"word":"doing","start":928.365,"end":928.765,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.16594459116458893},{"word":"that","start":928.765,"end":928.925,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2025376409292221},{"word":"when","start":928.925,"end":929.16504,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.11510759592056274},{"word":"you","start":929.16504,"end":929.325,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1681777536869049},{"word":"hit","start":929.325,"end":929.485,"confidence":1.0,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":0.14729024469852448},{"word":"the","start":929.485,"end":929.805,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13901710510253906},{"word":"the","start":929.805,"end":930.045,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11724641174077988},{"word":"sixties","start":930.045,"end":930.545,"confidence":0.8460286,"punctuated_word":"sixties,","sentiment":"neutral","sentiment_score":0.09014926850795746},{"word":"but","start":930.925,"end":931.16504,"confidence":0.7001953,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.09232431650161745},{"word":"also","start":931.16504,"end":931.405,"confidence":0.8256836,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.12381556630134584},{"word":"then","start":931.405,"end":931.72504,"confidence":0.9589844,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.17042893171310425},{"word":"long","start":931.72504,"end":931.965,"confidence":0.95410156,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.15215875208377838},{"word":"term","start":931.965,"end":932.465,"confidence":0.8725586,"punctuated_word":"term,","sentiment":"neutral","sentiment_score":0.2303048074245453},{"word":"having","start":932.84503,"end":933.16504,"confidence":0.9326172,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.25572288036346436},{"word":"that","start":933.16504,"end":933.405,"confidence":0.65966797,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2646191120147705},{"word":"investment","start":933.405,"end":933.905,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.14821940660476685},{"word":"income","start":933.965,"end":934.365,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.23040704429149628},{"word":"coming","start":934.365,"end":934.685,"confidence":0.9970703,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.2460460364818573},{"word":"from","start":934.685,"end":934.84503,"confidence":0.9951172,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.23836353421211243},{"word":"those","start":934.84503,"end":935.16504,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.18648342788219452},{"word":"properties","start":935.16504,"end":935.565,"confidence":0.95947266,"punctuated_word":"properties","sentiment":"neutral","sentiment_score":0.1872771382331848},{"word":"to","start":935.565,"end":935.72504,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2043740302324295},{"word":"supplement","start":935.72504,"end":936.205,"confidence":1.0,"punctuated_word":"supplement","sentiment":"neutral","sentiment_score":0.1808266788721085},{"word":"what's","start":936.205,"end":936.445,"confidence":0.98828125,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.2604449689388275},{"word":"coming","start":936.445,"end":936.685,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.2891446053981781},{"word":"out","start":936.685,"end":936.925,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.3106922209262848},{"word":"of","start":936.925,"end":937.005,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3208589553833008},{"word":"your","start":937.005,"end":937.245,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.23723453283309937},{"word":"super","start":937.245,"end":937.645,"confidence":0.8569336,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2810615599155426},{"word":"to","start":937.645,"end":937.72504,"confidence":0.98291016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2547735869884491},{"word":"provide","start":937.72504,"end":938.045,"confidence":1.0,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.252134770154953},{"word":"that","start":938.045,"end":938.28503,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22853170335292816},{"word":"longevity","start":938.28503,"end":938.78503,"confidence":0.9880371,"punctuated_word":"longevity.","sentiment":"neutral","sentiment_score":0.20449456572532657},{"word":"am","start":938.925,"end":939.16504,"confidence":0.9980469,"punctuated_word":"Am","sentiment":"neutral","sentiment_score":0.08768463134765625},{"word":"i","start":939.16504,"end":939.245,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14084500074386597},{"word":"on","start":939.245,"end":939.405,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13427692651748657},{"word":"the","start":939.405,"end":939.565,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1247035786509514},{"word":"right","start":939.565,"end":939.805,"confidence":0.9970703,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.17996959388256073},{"word":"track","start":939.805,"end":940.045,"confidence":1.0,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.1018366813659668},{"word":"with","start":940.045,"end":940.205,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09555484354496002},{"word":"that","start":940.205,"end":940.705,"confidence":0.9995117,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.08700735867023468},{"word":"yeah","start":942.1,"end":942.6,"confidence":0.7824707,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14589357376098633},{"word":"beautiful","start":943.3,"end":943.8,"confidence":0.99902344,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5234292149543762},{"word":"that's","start":944.18,"end":944.5,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5850178003311157},{"word":"fantastic","start":944.5,"end":945.0,"confidence":0.99853516,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.6134716868400574},{"word":"and","start":945.22,"end":945.45996,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1425102949142456},{"word":"do","start":945.45996,"end":945.54,"confidence":0.92578125,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05117790400981903},{"word":"you","start":945.54,"end":945.62,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08014607429504395},{"word":"know","start":945.62,"end":945.86,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.057497911155223846},{"word":"roughly","start":945.86,"end":946.33997,"confidence":0.65185547,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":0.04345448315143585},{"word":"so","start":946.42,"end":946.66,"confidence":0.44555664,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03719080239534378},{"word":"your","start":946.66,"end":946.82,"confidence":0.9902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.009566370397806168},{"word":"husband","start":946.82,"end":947.22,"confidence":0.9980469,"punctuated_word":"husband","sentiment":"neutral","sentiment_score":-0.014270421117544174},{"word":"doesn't","start":947.22,"end":947.62,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.001923890202306211},{"word":"work","start":947.62,"end":947.94,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.00008961930871009827},{"word":"sorry","start":948.26,"end":948.58,"confidence":0.8227539,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.02374963089823723},{"word":"he's","start":948.58,"end":948.82,"confidence":0.9941406,"punctuated_word":"He's","sentiment":"neutral","sentiment_score":-0.02203836664557457},{"word":"self","start":948.82,"end":949.06,"confidence":0.9970703,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.002770189195871353},{"word":"employed","start":949.06,"end":949.38,"confidence":0.96655273,"punctuated_word":"employed.","sentiment":"neutral","sentiment_score":-0.004746709018945694},{"word":"i","start":949.38,"end":949.54,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04591408371925354},{"word":"do","start":949.54,"end":949.7,"confidence":0.94384766,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.043808162212371826},{"word":"apologize","start":949.7,"end":950.2,"confidence":0.9995117,"punctuated_word":"apologize.","sentiment":"neutral","sentiment_score":-0.03562719002366066},{"word":"what","start":951.38,"end":951.54,"confidence":0.8251953,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.008840272203087807},{"word":"does","start":951.54,"end":951.7,"confidence":0.9838867,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.007057569921016693},{"word":"he","start":951.7,"end":951.94,"confidence":0.99902344,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.003412981517612934},{"word":"do","start":951.94,"end":952.1,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.003066863864660263},{"word":"for","start":952.1,"end":952.33997,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.007648369297385216},{"word":"work","start":952.33997,"end":952.83997,"confidence":1.0,"punctuated_word":"work?","sentiment":"neutral","sentiment_score":0.0022129137068986893},{"word":"okay","start":957.585,"end":958.085,"confidence":0.99658203,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.027835771441459656},{"word":"oh","start":964.22504,"end":964.625,"confidence":0.99072266,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.27819401025772095},{"word":"fantastic","start":964.625,"end":965.125,"confidence":0.99902344,"punctuated_word":"fantastic.","sentiment":"neutral","sentiment_score":0.25273218750953674},{"word":"yep","start":975.85,"end":976.35,"confidence":0.6956787,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05918901786208153},{"word":"wow","start":981.705,"end":981.785,"confidence":0.8029785,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.12249103933572768},{"word":"yeah","start":981.785,"end":982.285,"confidence":0.8413086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11288463324308395},{"word":"wow","start":985.865,"end":986.365,"confidence":0.982666,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.19374647736549375},{"word":"that","start":991.8,"end":992.12,"confidence":0.9892578,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.5449185371398926},{"word":"is","start":992.12,"end":992.44,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.601927638053894},{"word":"fantastic","start":992.44,"end":992.94,"confidence":1.0,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.4988826513290405},{"word":"wow","start":993.72003,"end":994.22003,"confidence":0.99853516,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.18068577349185944},{"word":"awesome","start":995.32,"end":995.82,"confidence":0.8066406,"punctuated_word":"Awesome.","sentiment":"neutral","sentiment_score":0.3162650465965271},{"word":"and","start":996.04,"end":996.36,"confidence":0.8405762,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.14081449806690216},{"word":"i","start":996.36,"end":996.44,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11604257673025133},{"word":"mean","start":996.44,"end":996.68,"confidence":0.9980469,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.1295020580291748},{"word":"coming","start":996.68,"end":997.0,"confidence":0.99902344,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.12346907705068588},{"word":"into","start":997.0,"end":997.32,"confidence":0.98291016,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0826181098818779},{"word":"winter","start":997.32,"end":997.64,"confidence":0.9980469,"punctuated_word":"winter","sentiment":"neutral","sentiment_score":0.10409747809171677},{"word":"is","start":997.64,"end":997.88,"confidence":0.9448242,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11695917695760728},{"word":"sort","start":997.88,"end":998.04,"confidence":0.9707031,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.13450990617275238},{"word":"of","start":998.04,"end":998.12,"confidence":0.73779297,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11852852255105972},{"word":"when","start":998.12,"end":998.36,"confidence":0.99121094,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.12072873115539552},{"word":"everyone","start":998.36,"end":998.86,"confidence":0.9980469,"punctuated_word":"everyone","sentiment":"neutral","sentiment_score":0.14581775665283203},{"word":"would","start":999.08,"end":999.24,"confidence":0.59033203,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1466369777917862},{"word":"wanna","start":999.24,"end":999.56,"confidence":0.98291016,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.14823132753372192},{"word":"be","start":999.56,"end":999.64,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.15499401092529297},{"word":"getting","start":999.64,"end":999.88,"confidence":0.99902344,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.13884970545768738},{"word":"that","start":999.88,"end":1000.12,"confidence":0.61083984,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1737338900566101},{"word":"full","start":1000.12,"end":1000.36,"confidence":0.81396484,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.23960411548614505},{"word":"renovated","start":1000.36,"end":1000.86,"confidence":0.8203125,"punctuated_word":"renovated,","sentiment":"neutral","sentiment_score":0.211407870054245},{"word":"get","start":1001.0,"end":1001.16003,"confidence":0.9550781,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1863091737031937},{"word":"all","start":1001.16003,"end":1001.32,"confidence":0.7055664,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.18720643222332},{"word":"the","start":1001.32,"end":1001.48,"confidence":0.9716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17946907877922058},{"word":"work","start":1001.48,"end":1001.64,"confidence":0.9970703,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.15629388391971588},{"word":"done","start":1001.64,"end":1001.96,"confidence":0.9970703,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.19177371263504028},{"word":"ready","start":1001.96,"end":1002.28,"confidence":0.9194336,"punctuated_word":"ready","sentiment":"neutral","sentiment_score":0.23325765132904053},{"word":"for","start":1002.28,"end":1002.68,"confidence":0.9025879,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.14642740786075592},{"word":"you","start":1002.68,"end":1002.76,"confidence":0.9873047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10538944602012634},{"word":"know","start":1002.76,"end":1003.24,"confidence":0.97680664,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.112875834107399},{"word":"summer","start":1003.24,"end":1003.56,"confidence":0.9375,"punctuated_word":"summer","sentiment":"neutral","sentiment_score":0.1662793755531311},{"word":"coming","start":1003.56,"end":1003.88,"confidence":0.99609375,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.15145209431648254},{"word":"back","start":1003.88,"end":1004.12,"confidence":0.984375,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.19067829847335815},{"word":"again","start":1004.12,"end":1004.52,"confidence":0.9213867,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.1328629106283188},{"word":"so","start":1004.52,"end":1005.02,"confidence":0.91015625,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.044149771332740784},{"word":"absolutely","start":1005.415,"end":1005.915,"confidence":0.7475586,"punctuated_word":"absolutely.","sentiment":"positive","sentiment_score":0.3617814183235169},{"word":"perfect","start":1007.015,"end":1007.515,"confidence":0.9921875,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4873450994491577},{"word":"no","start":1007.565,"end":1007.815,"confidence":0.93188477,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.11393749713897704},{"word":"excellent","start":1007.815,"end":1008.315,"confidence":0.9770508,"punctuated_word":"Excellent.","sentiment":"neutral","sentiment_score":0.24053344130516052},{"word":"yep","start":1012.375,"end":1012.875,"confidence":0.98999023,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04815536364912987},{"word":"wow","start":1021.11005,"end":1021.61005,"confidence":0.9182129,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.07859649509191513},{"word":"yes","start":1024.71,"end":1025.21,"confidence":0.98583984,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.002300995402038098},{"word":"yeah","start":1029.685,"end":1030.185,"confidence":0.7416992,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01815221458673477},{"word":"wow","start":1031.2451,"end":1031.7451,"confidence":0.94799805,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.1524251401424408},{"word":"perfect","start":1032.805,"end":1033.285,"confidence":0.8535156,"punctuated_word":"Perfect","sentiment":"neutral","sentiment_score":0.23879534006118777},{"word":"time","start":1033.285,"end":1033.785,"confidence":0.953125,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.22911903262138367},{"word":"yeah","start":1035.2051,"end":1035.525,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.043844252824783325},{"word":"wow","start":1035.525,"end":1036.025,"confidence":0.9904785,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.09475359320640564},{"word":"yeah","start":1038.5651,"end":1039.0651,"confidence":0.8000488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.039922259747982025},{"word":"yes","start":1041.78,"end":1042.28,"confidence":0.8234863,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04623003304004669},{"word":"yeah","start":1048.8201,"end":1049.06,"confidence":0.84716797,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07635781168937683},{"word":"wow","start":1049.06,"end":1049.56,"confidence":0.94921875,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.2383548617362976},{"word":"that's","start":1049.8601,"end":1050.26,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5040906667709351},{"word":"incredible","start":1050.26,"end":1050.74,"confidence":0.9807129,"punctuated_word":"incredible.","sentiment":"positive","sentiment_score":0.431458055973053},{"word":"and","start":1050.74,"end":1050.9,"confidence":0.9667969,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0638275295495987},{"word":"is","start":1050.9,"end":1051.06,"confidence":0.6386719,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.00176309235394001},{"word":"it","start":1051.06,"end":1051.2201,"confidence":0.57470703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03875267505645752},{"word":"sort","start":1051.2201,"end":1051.4601,"confidence":0.97314453,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.023812655359506607},{"word":"of","start":1051.4601,"end":1051.54,"confidence":0.7519531,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.009966321289539335},{"word":"gone","start":1051.54,"end":1051.7001,"confidence":0.9550781,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.0024190284311771393},{"word":"for","start":1051.7001,"end":1051.8601,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.017767781391739845},{"word":"long","start":1051.8601,"end":1052.1001,"confidence":0.98535156,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.021403897553682327},{"word":"periods","start":1052.1001,"end":1052.42,"confidence":0.9873047,"punctuated_word":"periods","sentiment":"neutral","sentiment_score":-0.03183186799287796},{"word":"of","start":1052.42,"end":1052.5801,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04343605786561966},{"word":"time","start":1052.5801,"end":1052.8201,"confidence":0.93066406,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.027214571833610535},{"word":"like","start":1052.8201,"end":1052.9801,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.028767067939043045},{"word":"a","start":1052.9801,"end":1053.06,"confidence":0.63671875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.00824415497481823},{"word":"week","start":1053.06,"end":1053.3,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.0009619109332561492},{"word":"or","start":1053.3,"end":1053.4601,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.01625935360789299},{"word":"two","start":1053.4601,"end":1053.62,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.02005576714873314},{"word":"at","start":1053.62,"end":1053.7001,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.01018492877483368},{"word":"a","start":1053.7001,"end":1053.8601,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.010517051443457603},{"word":"time","start":1053.8601,"end":1054.1001,"confidence":0.86083984,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.008453127928078175},{"word":"or","start":1054.1001,"end":1054.26,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.02279742062091827},{"word":"is","start":1054.26,"end":1054.42,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.00955006293952465},{"word":"it","start":1054.42,"end":1054.5,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0005382820963859558},{"word":"more","start":1054.5,"end":1054.74,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.009875243529677393},{"word":"just","start":1054.74,"end":1054.9801,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.015228362753987312},{"word":"a","start":1054.9801,"end":1055.06,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01806353405117989},{"word":"few","start":1055.06,"end":1055.2201,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.018312081694602966},{"word":"days","start":1055.2201,"end":1055.54,"confidence":1.0,"punctuated_word":"days","sentiment":"neutral","sentiment_score":-0.006496582180261612},{"word":"here","start":1055.54,"end":1055.78,"confidence":0.9980469,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.0019286442548036575},{"word":"and","start":1055.78,"end":1055.9401,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0016918331384658811},{"word":"there","start":1055.9401,"end":1056.3401,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.005843790248036385},{"word":"each","start":1056.3401,"end":1056.66,"confidence":0.42919922,"punctuated_word":"each","sentiment":"neutral","sentiment_score":-0.016901422291994095},{"word":"week","start":1056.66,"end":1057.095,"confidence":0.9790039,"punctuated_word":"week?","sentiment":"neutral","sentiment_score":-0.0175649281591177},{"word":"yeah","start":1061.655,"end":1061.895,"confidence":0.970459,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01517694815993309},{"word":"wow","start":1061.895,"end":1062.395,"confidence":0.94921875,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.044226668775081635},{"word":"yeah","start":1064.5349,"end":1065.0349,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05053737014532089},{"word":"wow","start":1067.895,"end":1068.395,"confidence":0.98535156,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.14451444149017334},{"word":"i","start":1069.27,"end":1069.4299,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1030941903591156},{"word":"mean","start":1069.4299,"end":1069.59,"confidence":0.9951172,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.1189093142747879},{"word":"that's","start":1069.59,"end":1069.83,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2393859624862671},{"word":"a","start":1069.83,"end":1069.99,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22803598642349243},{"word":"pretty","start":1069.99,"end":1070.3099,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.2525084912776947},{"word":"amazing","start":1070.3099,"end":1070.79,"confidence":1.0,"punctuated_word":"amazing","sentiment":"neutral","sentiment_score":0.309441477060318},{"word":"skill","start":1070.79,"end":1071.03,"confidence":0.81933594,"punctuated_word":"skill","sentiment":"neutral","sentiment_score":0.32134413719177246},{"word":"set","start":1071.03,"end":1071.27,"confidence":0.89160156,"punctuated_word":"set.","sentiment":"neutral","sentiment_score":0.24240797758102417},{"word":"i","start":1071.27,"end":1071.4299,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07267507165670395},{"word":"definitely","start":1071.4299,"end":1071.83,"confidence":0.9980469,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.029990479350090027},{"word":"can't","start":1071.83,"end":1072.07,"confidence":0.9890137,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":0.12435542047023772},{"word":"free","start":1072.07,"end":1072.3099,"confidence":0.9301758,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.08290737122297287},{"word":"dive","start":1072.3099,"end":1072.5499,"confidence":0.9343262,"punctuated_word":"dive,","sentiment":"neutral","sentiment_score":0.08464774489402771},{"word":"and","start":1072.5499,"end":1072.71,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04494113475084305},{"word":"i","start":1072.71,"end":1072.79,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0419156551361084},{"word":"think","start":1072.79,"end":1073.11,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.06407970190048218},{"word":"anyone","start":1073.11,"end":1073.4299,"confidence":0.92333984,"punctuated_word":"anyone","sentiment":"neutral","sentiment_score":0.07133813202381134},{"word":"who","start":1073.4299,"end":1073.59,"confidence":0.9951172,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.024962887167930603},{"word":"can","start":1073.59,"end":1073.67,"confidence":0.9892578,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03734613209962845},{"word":"hold","start":1073.67,"end":1073.91,"confidence":0.99902344,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.0404386892914772},{"word":"their","start":1073.91,"end":1074.15,"confidence":0.9951172,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.016397058963775635},{"word":"breath","start":1074.15,"end":1074.39,"confidence":0.9760742,"punctuated_word":"breath","sentiment":"neutral","sentiment_score":0.056374553591012955},{"word":"for","start":1074.39,"end":1074.5499,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.035468704998493195},{"word":"that","start":1074.5499,"end":1074.71,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08365226536989212},{"word":"long","start":1074.71,"end":1075.03,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.05994214862585068},{"word":"is","start":1075.03,"end":1075.19,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.030044902116060257},{"word":"pretty","start":1075.19,"end":1075.51,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.07596459984779358},{"word":"amazing","start":1075.51,"end":1076.01,"confidence":1.0,"punctuated_word":"amazing.","sentiment":"neutral","sentiment_score":0.28473636507987976},{"word":"oh","start":1077.83,"end":1078.15,"confidence":0.9946289,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.044572293758392334},{"word":"wow","start":1078.15,"end":1078.65,"confidence":0.99853516,"punctuated_word":"wow.","sentiment":"neutral","sentiment_score":0.16713783144950867},{"word":"oh","start":1079.67,"end":1080.07,"confidence":0.98999023,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.38575077056884766},{"word":"fantastic","start":1080.07,"end":1080.57,"confidence":0.9995117,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.49939578771591187},{"word":"excellent","start":1080.95,"end":1081.35,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.4301076829433441},{"word":"well","start":1081.35,"end":1081.51,"confidence":0.9975586,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.288373202085495},{"word":"i","start":1081.51,"end":1081.67,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4836973249912262},{"word":"do","start":1081.67,"end":1081.83,"confidence":0.99902344,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.452131986618042},{"word":"love","start":1081.83,"end":1082.07,"confidence":1.0,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.536724865436554},{"word":"that","start":1082.07,"end":1082.3099,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.3791500926017761},{"word":"so","start":1082.3099,"end":1082.745,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07510276138782501},{"word":"what","start":1082.825,"end":1082.985,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.07426733523607254},{"word":"i","start":1082.985,"end":1083.145,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.059599608182907104},{"word":"will","start":1083.145,"end":1083.465,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.06766102463006973},{"word":"sort","start":1083.465,"end":1083.705,"confidence":0.98535156,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04913750663399696},{"word":"of","start":1083.705,"end":1083.785,"confidence":0.6845703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.033057987689971924},{"word":"look","start":1083.785,"end":1083.945,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.019197778776288033},{"word":"at","start":1083.945,"end":1084.105,"confidence":0.91845703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.024991866201162335},{"word":"for","start":1084.105,"end":1084.265,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03846077620983124},{"word":"the","start":1084.265,"end":1084.425,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06200873851776123},{"word":"advice","start":1084.425,"end":1084.745,"confidence":0.9633789,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.05584113299846649},{"word":"is","start":1084.745,"end":1084.985,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.031952619552612305},{"word":"just","start":1084.985,"end":1085.225,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04793598875403404},{"word":"maybe","start":1085.225,"end":1085.545,"confidence":0.9873047,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.04005879536271095},{"word":"splitting","start":1085.545,"end":1086.025,"confidence":0.99902344,"punctuated_word":"splitting","sentiment":"neutral","sentiment_score":0.022312933579087257},{"word":"out","start":1086.025,"end":1086.345,"confidence":0.9970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.02653373591601849},{"word":"that","start":1086.345,"end":1086.665,"confidence":0.4975586,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04446813464164734},{"word":"so","start":1086.905,"end":1087.145,"confidence":0.7729492,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.06202103570103645},{"word":"removing","start":1087.145,"end":1087.545,"confidence":0.99316406,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":0.046947136521339417},{"word":"the","start":1087.545,"end":1087.625,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01638415828347206},{"word":"ban","start":1087.625,"end":1087.865,"confidence":0.26123047,"punctuated_word":"ban","sentiment":"neutral","sentiment_score":0.0071103982627391815},{"word":"along","start":1087.865,"end":1088.105,"confidence":0.9873047,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.026423178613185883},{"word":"and","start":1088.105,"end":1088.265,"confidence":0.8676758,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0343354232609272},{"word":"replacing","start":1088.265,"end":1088.745,"confidence":0.7084961,"punctuated_word":"replacing","sentiment":"neutral","sentiment_score":0.03331886604428291},{"word":"it","start":1088.745,"end":1088.825,"confidence":0.8144531,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05888801068067551},{"word":"with","start":1088.825,"end":1088.985,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.02793923020362854},{"word":"something","start":1088.985,"end":1089.225,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.000979103147983551},{"word":"else","start":1089.225,"end":1089.465,"confidence":0.7216797,"punctuated_word":"else.","sentiment":"neutral","sentiment_score":0.007123269140720367},{"word":"so","start":1089.465,"end":1089.545,"confidence":0.5073242,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.004186354577541351},{"word":"look","start":1089.545,"end":1089.705,"confidence":0.9604492,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.0037881340831518178},{"word":"at","start":1089.705,"end":1089.865,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.01141594722867012},{"word":"the","start":1089.865,"end":1089.945,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.009470224380493164},{"word":"cost","start":1089.945,"end":1090.265,"confidence":0.99609375,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.005287420004606247},{"word":"side","start":1090.265,"end":1090.425,"confidence":0.9980469,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.002014927566051483},{"word":"of","start":1090.425,"end":1090.505,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0002704411745071411},{"word":"things","start":1090.505,"end":1091.005,"confidence":0.9970703,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":-0.0017583947628736496},{"word":"one","start":1091.465,"end":1091.625,"confidence":0.7944336,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.00022061169147491455},{"word":"of","start":1091.625,"end":1091.785,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01788601279258728},{"word":"the","start":1091.785,"end":1091.865,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014113951474428175},{"word":"things","start":1091.865,"end":1092.025,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.01335175707936287},{"word":"i","start":1092.025,"end":1092.1849,"confidence":0.86572266,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02351045608520508},{"word":"do","start":1092.1849,"end":1092.345,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.020974893122911453},{"word":"wanna","start":1092.345,"end":1092.585,"confidence":0.99121094,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.033188194036483765},{"word":"look","start":1092.585,"end":1092.745,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.008517753332853317},{"word":"at","start":1092.745,"end":1092.905,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.005289897322654724},{"word":"is","start":1092.905,"end":1093.145,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.013648442924022676},{"word":"the","start":1093.145,"end":1093.305,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0027438215911388397},{"word":"cdt","start":1093.305,"end":1093.805,"confidence":0.82666016,"punctuated_word":"CDT","sentiment":"neutral","sentiment_score":-0.02772517502307892},{"word":"consequences","start":1093.865,"end":1094.365,"confidence":0.97558594,"punctuated_word":"consequences.","sentiment":"neutral","sentiment_score":-0.016452860087156296},{"word":"so","start":1094.665,"end":1094.985,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.004863955080509186},{"word":"what","start":1094.985,"end":1095.145,"confidence":0.51220703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.004772886633872986},{"word":"your","start":1095.225,"end":1095.465,"confidence":0.9819336,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.005540486425161362},{"word":"super","start":1095.465,"end":1095.865,"confidence":0.71191406,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.015627317130565643},{"word":"fund","start":1095.865,"end":1096.025,"confidence":0.8173828,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.01132766716182232},{"word":"just","start":1096.025,"end":1096.265,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0030661560595035553},{"word":"like","start":1096.265,"end":1096.505,"confidence":0.9970703,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.016323886811733246},{"word":"you","start":1096.505,"end":1096.665,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.023687314242124557},{"word":"do","start":1096.665,"end":1096.825,"confidence":0.9855957,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.0193758737295866},{"word":"does","start":1096.825,"end":1096.985,"confidence":0.9951172,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.008029162883758545},{"word":"a","start":1096.985,"end":1097.065,"confidence":0.97802734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0026664789766073227},{"word":"tax","start":1097.065,"end":1097.385,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.018961235880851746},{"word":"return","start":1097.385,"end":1097.785,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.015474170446395874},{"word":"every","start":1097.785,"end":1098.025,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.0041260384023189545},{"word":"year","start":1098.025,"end":1098.48,"confidence":0.9667969,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.0021103527396917343},{"word":"so","start":1098.72,"end":1098.88,"confidence":0.97802734,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.004269365221261978},{"word":"when","start":1098.88,"end":1099.12,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.0020704977214336395},{"word":"we","start":1099.12,"end":1099.36,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.008231382817029953},{"word":"do","start":1099.36,"end":1099.86,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.010221172124147415},{"word":"rebalance","start":1100.24,"end":1100.74,"confidence":0.90771484,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":0.006375344470143318},{"word":"the","start":1100.88,"end":1101.04,"confidence":0.48217773,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.001822739839553833},{"word":"portfolio","start":1101.04,"end":1101.54,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.02082841470837593},{"word":"or","start":1101.76,"end":1102.0,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.007475804537534714},{"word":"replace","start":1102.0,"end":1102.48,"confidence":0.9873047,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":-0.0037545189261436462},{"word":"investments","start":1102.48,"end":1102.98,"confidence":0.9890137,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":-0.010773777961730955},{"word":"your","start":1103.12,"end":1103.28,"confidence":0.9838867,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0462452657520771},{"word":"super","start":1103.28,"end":1103.6,"confidence":0.99316406,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.0067311301827430725},{"word":"fund","start":1103.6,"end":1103.84,"confidence":0.98535156,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.01909611001610756},{"word":"does","start":1103.84,"end":1104.0,"confidence":0.99316406,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.026422951370477676},{"word":"have","start":1104.0,"end":1104.24,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.03702561184763909},{"word":"to","start":1104.24,"end":1104.32,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.024487849324941635},{"word":"pay","start":1104.32,"end":1104.5599,"confidence":0.9301758,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.021520521491765976},{"word":"capital","start":1104.5599,"end":1104.96,"confidence":0.99902344,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.03757293522357941},{"word":"gains","start":1104.96,"end":1105.28,"confidence":0.9873047,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":-0.02368316799402237},{"word":"tax","start":1105.28,"end":1105.6,"confidence":0.9453125,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":-0.015182815492153168},{"word":"so","start":1105.6,"end":1105.6799,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06086566671729088},{"word":"i","start":1105.6799,"end":1105.84,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.081170953810215},{"word":"will","start":1105.84,"end":1106.0,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.08115115016698837},{"word":"take","start":1106.0,"end":1106.24,"confidence":0.9536133,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.1325477659702301},{"word":"that","start":1106.24,"end":1106.4,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0914364904165268},{"word":"into","start":1106.4,"end":1106.72,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.06456155329942703},{"word":"account","start":1106.72,"end":1107.04,"confidence":0.9892578,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.08576459437608719},{"word":"as","start":1107.04,"end":1107.2,"confidence":0.984375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08090459555387497},{"word":"part","start":1107.2,"end":1107.36,"confidence":0.875,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.09172163158655168},{"word":"of","start":1107.36,"end":1107.44,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11067810654640198},{"word":"the","start":1107.44,"end":1107.6,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09130050241947174},{"word":"advice","start":1107.6,"end":1108.0,"confidence":0.7626953,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.05440737307071686},{"word":"there","start":1108.0,"end":1108.24,"confidence":0.97265625,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.05826752632856369},{"word":"for","start":1108.24,"end":1108.5599,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.031653862446546555},{"word":"you","start":1108.5599,"end":1109.0599,"confidence":0.9428711,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.05442718043923378},{"word":"depending","start":1109.52,"end":1109.9199,"confidence":0.9941406,"punctuated_word":"Depending","sentiment":"neutral","sentiment_score":0.09426171332597733},{"word":"on","start":1109.9199,"end":1110.08,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09358970820903778},{"word":"what","start":1110.08,"end":1110.24,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05414553731679917},{"word":"we're","start":1110.24,"end":1110.48,"confidence":0.99560547,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.07189956307411194},{"word":"rebalancing","start":1110.48,"end":1110.98,"confidence":0.9977214,"punctuated_word":"rebalancing","sentiment":"neutral","sentiment_score":0.049628809094429016},{"word":"and","start":1111.12,"end":1111.44,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06003723666071892},{"word":"how","start":1111.44,"end":1111.6,"confidence":0.9980469,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.05151253938674927},{"word":"benelong","start":1111.6,"end":1112.1,"confidence":0.56689453,"punctuated_word":"Benelong","sentiment":"neutral","sentiment_score":0.06823240220546722},{"word":"has","start":1112.16,"end":1112.535,"confidence":0.9819336,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.049120865762233734},{"word":"has","start":1113.015,"end":1113.255,"confidence":0.7758789,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.04626055806875229},{"word":"sort","start":1113.255,"end":1113.415,"confidence":0.98828125,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.08815322816371918},{"word":"of","start":1113.415,"end":1113.5751,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06981536746025085},{"word":"performed","start":1113.5751,"end":1114.055,"confidence":0.83984375,"punctuated_word":"performed,","sentiment":"neutral","sentiment_score":0.08048780262470245},{"word":"we","start":1114.055,"end":1114.2151,"confidence":0.9941406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07947423309087753},{"word":"might","start":1114.2151,"end":1114.375,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.0926779732108116},{"word":"even","start":1114.375,"end":1114.615,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.04398273304104805},{"word":"be","start":1114.615,"end":1114.775,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06508375704288483},{"word":"able","start":1114.775,"end":1114.935,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.06368366628885269},{"word":"to","start":1114.935,"end":1115.0951,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06732001900672913},{"word":"offset","start":1115.0951,"end":1115.5951,"confidence":0.99902344,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":0.02094445750117302},{"word":"any","start":1116.135,"end":1116.375,"confidence":0.96240234,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.014085963368415833},{"word":"cgt","start":1116.375,"end":1116.875,"confidence":0.8378906,"punctuated_word":"CGT","sentiment":"neutral","sentiment_score":-0.030131738632917404},{"word":"consequences","start":1117.0951,"end":1117.5951,"confidence":0.99316406,"punctuated_word":"consequences","sentiment":"neutral","sentiment_score":-0.09601512551307678},{"word":"inside","start":1117.735,"end":1118.055,"confidence":0.9199219,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":-0.23555415868759155},{"word":"super","start":1118.055,"end":1118.4551,"confidence":0.50097656,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.2288151383399963},{"word":"and","start":1118.4551,"end":1118.935,"confidence":0.5473633,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2136095315217972},{"word":"really","start":1118.935,"end":1119.255,"confidence":0.8461914,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.2615817189216614},{"word":"isn't","start":1119.255,"end":1119.5751,"confidence":0.9460449,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.2107032984495163},{"word":"to","start":1119.5751,"end":1119.655,"confidence":0.9633789,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16979946196079254},{"word":"your","start":1119.655,"end":1119.895,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.18843790888786316},{"word":"advantage","start":1119.895,"end":1120.395,"confidence":1.0,"punctuated_word":"advantage","sentiment":"neutral","sentiment_score":-0.12972292304039},{"word":"there","start":1120.4551,"end":1120.6951,"confidence":0.8354492,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.18450184166431427},{"word":"so","start":1120.6951,"end":1120.855,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.016610343009233475},{"word":"that'll","start":1120.855,"end":1121.175,"confidence":0.99609375,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.03291088342666626},{"word":"be","start":1121.175,"end":1121.3351,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.025587275624275208},{"word":"a","start":1121.3351,"end":1121.415,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.523919939994812},{"word":"good","start":1121.415,"end":1121.5751,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5927461981773376},{"word":"thing","start":1121.5751,"end":1121.735,"confidence":1.0,"punctuated_word":"thing","sentiment":"positive","sentiment_score":0.5464755296707153},{"word":"to","start":1121.735,"end":1121.895,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5570129156112671},{"word":"look","start":1121.895,"end":1122.135,"confidence":0.99902344,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.5883255004882812},{"word":"at","start":1122.135,"end":1122.635,"confidence":0.9746094,"punctuated_word":"at.","sentiment":"positive","sentiment_score":0.5648618936538696},{"word":"i","start":1123.0951,"end":1123.255,"confidence":0.97998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09995434433221816},{"word":"know","start":1123.255,"end":1123.495,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.07269346714019775},{"word":"when","start":1123.495,"end":1123.655,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.04952996224164963},{"word":"you","start":1123.655,"end":1123.895,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06127604842185974},{"word":"came","start":1123.895,"end":1124.135,"confidence":0.99316406,"punctuated_word":"came","sentiment":"neutral","sentiment_score":0.08131968230009079},{"word":"on","start":1124.135,"end":1124.295,"confidence":0.7109375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09731000661849976},{"word":"board","start":1124.295,"end":1124.535,"confidence":0.9230957,"punctuated_word":"board,","sentiment":"neutral","sentiment_score":0.09871186316013336},{"word":"the","start":1124.535,"end":1124.615,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06002761423587799},{"word":"last","start":1124.615,"end":1124.935,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.03648702800273895},{"word":"few","start":1124.935,"end":1125.0951,"confidence":0.9667969,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.039197925478219986},{"word":"advice","start":1125.0951,"end":1125.415,"confidence":0.85498047,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.04403030499815941},{"word":"documents","start":1125.415,"end":1125.8151,"confidence":0.9873047,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.03458269685506821},{"word":"you","start":1125.8151,"end":1126.055,"confidence":0.96972656,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05973275005817413},{"word":"probably","start":1126.055,"end":1126.375,"confidence":0.82470703,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.059036094695329666},{"word":"received","start":1126.375,"end":1126.6951,"confidence":0.98291016,"punctuated_word":"received","sentiment":"neutral","sentiment_score":0.046905241906642914},{"word":"would","start":1126.6951,"end":1126.855,"confidence":0.9941406,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.05341251939535141},{"word":"have","start":1126.855,"end":1127.015,"confidence":0.8339844,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0558881014585495},{"word":"sort","start":1127.015,"end":1127.175,"confidence":0.9394531,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.07890734076499939},{"word":"of","start":1127.175,"end":1127.46,"confidence":0.5786133,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09237391501665115},{"word":"sorta","start":1127.46,"end":1127.86,"confidence":0.9904785,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":0.09236092865467072},{"word":"shown","start":1127.86,"end":1128.02,"confidence":0.9013672,"punctuated_word":"shown","sentiment":"neutral","sentiment_score":0.04069450497627258},{"word":"you","start":1128.02,"end":1128.34,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.054237883538007736},{"word":"right","start":1128.34,"end":1128.58,"confidence":0.99902344,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.05973263829946518},{"word":"up","start":1128.58,"end":1128.6599,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.024093322455883023},{"word":"until","start":1128.6599,"end":1129.1599,"confidence":0.9980469,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.027084868401288983},{"word":"retirement","start":1129.22,"end":1129.72,"confidence":0.9057617,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":0.0426223948597908},{"word":"because","start":1130.5,"end":1130.8999,"confidence":0.609375,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.008077062666416168},{"word":"you","start":1130.8999,"end":1130.98,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.011851157993078232},{"word":"are","start":1130.98,"end":1131.22,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.01314283162355423},{"word":"still","start":1131.22,"end":1131.5399,"confidence":0.9970703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.03176210820674896},{"word":"so","start":1131.5399,"end":1131.7,"confidence":0.98095703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.018420353531837463},{"word":"young","start":1131.7,"end":1132.02,"confidence":0.96972656,"punctuated_word":"young,","sentiment":"neutral","sentiment_score":-0.04149250686168671},{"word":"because","start":1132.02,"end":1132.34,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.025670476257801056},{"word":"there","start":1132.34,"end":1132.5,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.009339295327663422},{"word":"are","start":1132.5,"end":1132.6599,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.003563322126865387},{"word":"a","start":1132.6599,"end":1132.74,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01202297955751419},{"word":"lot","start":1132.74,"end":1132.98,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.012930087745189668},{"word":"of","start":1132.98,"end":1133.0599,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.008563511073589325},{"word":"things","start":1133.0599,"end":1133.46,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.01605290174484253},{"word":"occurring","start":1133.46,"end":1133.94,"confidence":0.9980469,"punctuated_word":"occurring","sentiment":"neutral","sentiment_score":0.02097432315349579},{"word":"and","start":1133.94,"end":1134.1799,"confidence":0.95703125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0039346665143966675},{"word":"altering","start":1134.1799,"end":1134.58,"confidence":0.9980469,"punctuated_word":"altering","sentiment":"neutral","sentiment_score":0.019504789263010025},{"word":"and","start":1134.58,"end":1134.82,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.000974506139755249},{"word":"changing","start":1134.82,"end":1135.22,"confidence":1.0,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":0.045477211475372314},{"word":"in","start":1135.22,"end":1135.2999,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01943599432706833},{"word":"your","start":1135.2999,"end":1135.5399,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03981679677963257},{"word":"life","start":1135.5399,"end":1136.0399,"confidence":0.9926758,"punctuated_word":"life,","sentiment":"neutral","sentiment_score":0.04406577721238136},{"word":"this","start":1136.34,"end":1136.58,"confidence":0.98095703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.06725196540355682},{"word":"advice","start":1136.58,"end":1136.98,"confidence":0.9111328,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.06455732882022858},{"word":"document","start":1136.98,"end":1137.38,"confidence":0.98828125,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.08620050549507141},{"word":"will","start":1137.38,"end":1137.62,"confidence":0.9902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.056776031851768494},{"word":"only","start":1137.62,"end":1137.86,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.03426250442862511},{"word":"project","start":1137.86,"end":1138.26,"confidence":0.9980469,"punctuated_word":"project","sentiment":"neutral","sentiment_score":0.06119617074728012},{"word":"out","start":1138.26,"end":1138.4199,"confidence":0.890625,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.027238115668296817},{"word":"the","start":1138.4199,"end":1138.58,"confidence":0.9589844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05056143179535866},{"word":"next","start":1138.58,"end":1138.82,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.0556773878633976},{"word":"five","start":1138.82,"end":1139.0599,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.02052219957113266},{"word":"to","start":1139.0599,"end":1139.22,"confidence":0.9716797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0044508203864097595},{"word":"ten","start":1139.22,"end":1139.38,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.03383886069059372},{"word":"years","start":1139.38,"end":1139.7,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.017731565982103348},{"word":"due","start":1139.7,"end":1139.86,"confidence":0.99609375,"punctuated_word":"due","sentiment":"neutral","sentiment_score":0.01944136992096901},{"word":"to","start":1139.86,"end":1140.02,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0330270454287529},{"word":"the","start":1140.02,"end":1140.1,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02649288810789585},{"word":"amount","start":1140.1,"end":1140.34,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.018146853893995285},{"word":"of","start":1140.34,"end":1140.5,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.027927113696932793},{"word":"things","start":1140.5,"end":1140.74,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.05083540454506874},{"word":"that","start":1140.74,"end":1140.8999,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10916788876056673},{"word":"can","start":1140.8999,"end":1141.0599,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13202333450317383},{"word":"definitely","start":1141.0599,"end":1141.46,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.1526065468788147},{"word":"change","start":1141.46,"end":1141.96,"confidence":0.8442383,"punctuated_word":"change.","sentiment":"neutral","sentiment_score":0.1351637840270996},{"word":"and","start":1142.515,"end":1142.675,"confidence":0.9550781,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15758441388607025},{"word":"then","start":1142.675,"end":1142.835,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.21533124148845673},{"word":"we'll","start":1142.835,"end":1143.075,"confidence":0.9975586,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.26767417788505554},{"word":"just","start":1143.075,"end":1143.235,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3029356300830841},{"word":"keep","start":1143.235,"end":1143.5549,"confidence":0.9980469,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.33483847975730896},{"word":"building","start":1143.5549,"end":1143.955,"confidence":1.0,"punctuated_word":"building","sentiment":"positive","sentiment_score":0.36210089921951294},{"word":"on","start":1143.955,"end":1144.115,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4375672936439514},{"word":"that","start":1144.115,"end":1144.275,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.388954222202301},{"word":"for","start":1144.275,"end":1144.4349,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.33230921626091003},{"word":"you","start":1144.4349,"end":1144.5549,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3101339042186737},{"word":"to","start":1144.5549,"end":1144.675,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2845870852470398},{"word":"try","start":1144.675,"end":1144.915,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.2956313490867615},{"word":"and","start":1144.915,"end":1144.995,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2706427574157715},{"word":"get","start":1144.995,"end":1145.235,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.22534148395061493},{"word":"as","start":1145.235,"end":1145.315,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2574581205844879},{"word":"much","start":1145.315,"end":1145.5549,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.3092675507068634},{"word":"into","start":1145.5549,"end":1145.795,"confidence":0.93408203,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.23893162608146667},{"word":"super","start":1145.795,"end":1146.115,"confidence":0.86328125,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.33246466517448425},{"word":"as","start":1146.115,"end":1146.275,"confidence":0.99121094,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2842373251914978},{"word":"we","start":1146.275,"end":1146.4349,"confidence":0.9951172,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3839743137359619},{"word":"possibly","start":1146.4349,"end":1146.835,"confidence":0.99609375,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":0.33011505007743835},{"word":"can","start":1146.835,"end":1147.155,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.33447718620300293},{"word":"and","start":1147.155,"end":1147.235,"confidence":0.95947266,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.328144371509552},{"word":"build","start":1147.235,"end":1147.475,"confidence":0.99316406,"punctuated_word":"build","sentiment":"positive","sentiment_score":0.40885159373283386},{"word":"that","start":1147.475,"end":1147.635,"confidence":0.9394531,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.43660712242126465},{"word":"up","start":1147.635,"end":1147.875,"confidence":0.9902344,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.33466148376464844},{"word":"to","start":1147.875,"end":1148.355,"confidence":0.97314453,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3108161389827728},{"word":"give","start":1148.355,"end":1148.515,"confidence":0.94628906,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.3294965624809265},{"word":"you","start":1148.515,"end":1148.675,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4147423505783081},{"word":"the","start":1148.675,"end":1148.995,"confidence":0.98461914,"punctuated_word":"the,","sentiment":"neutral","sentiment_score":0.30589160323143005},{"word":"you","start":1148.995,"end":1149.155,"confidence":0.9589844,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3115149736404419},{"word":"know","start":1149.155,"end":1149.315,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.2791917324066162},{"word":"the","start":1149.315,"end":1149.5549,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24162305891513824},{"word":"most","start":1149.5549,"end":1150.0549,"confidence":0.99902344,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.2278886586427689},{"word":"the","start":1150.275,"end":1150.4349,"confidence":0.87841797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17334704101085663},{"word":"most","start":1150.4349,"end":1150.675,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.16763722896575928},{"word":"out","start":1150.675,"end":1150.915,"confidence":0.9873047,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.18848535418510437},{"word":"of","start":1150.915,"end":1150.995,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21322081983089447},{"word":"your","start":1150.995,"end":1151.235,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.23469798266887665},{"word":"retirement","start":1151.235,"end":1151.635,"confidence":0.5805664,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.24170610308647156},{"word":"years","start":1151.635,"end":1151.875,"confidence":0.7421875,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.286316841840744},{"word":"when","start":1151.875,"end":1152.115,"confidence":0.98291016,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.21978901326656344},{"word":"you","start":1152.115,"end":1152.275,"confidence":0.9770508,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23465371131896973},{"word":"get","start":1152.275,"end":1152.4349,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.20344515144824984},{"word":"to","start":1152.4349,"end":1152.515,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.187467560172081},{"word":"that","start":1152.515,"end":1152.755,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22758696973323825},{"word":"point","start":1152.755,"end":1152.995,"confidence":0.9946289,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":0.15803849697113037},{"word":"how","start":1152.995,"end":1153.155,"confidence":0.66308594,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.1403074860572815},{"word":"does","start":1153.155,"end":1153.395,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.1215335726737976},{"word":"that","start":1153.395,"end":1153.475,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1938088685274124},{"word":"sound","start":1153.475,"end":1153.975,"confidence":0.99560547,"punctuated_word":"sound?","sentiment":"neutral","sentiment_score":0.13308987021446228},{"word":"fantastic","start":1155.09,"end":1155.59,"confidence":0.61779785,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.7591792345046997},{"word":"fantastic","start":1156.37,"end":1156.87,"confidence":0.8774414,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.6480330228805542},{"word":"now","start":1157.65,"end":1157.97,"confidence":0.4116211,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.25623658299446106},{"word":"a","start":1157.97,"end":1158.05,"confidence":0.91015625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11208125948905943},{"word":"few","start":1158.05,"end":1158.21,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.09414395689964294},{"word":"other","start":1158.21,"end":1158.45,"confidence":0.9873047,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.1117715835571289},{"word":"questions","start":1158.45,"end":1158.77,"confidence":0.9970703,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.07836262136697769},{"word":"here","start":1158.77,"end":1159.01,"confidence":0.99316406,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.019979327917099},{"word":"just","start":1159.01,"end":1159.17,"confidence":0.79248047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.040294598788022995},{"word":"to","start":1159.17,"end":1159.25,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.034285299479961395},{"word":"kinda","start":1159.25,"end":1159.49,"confidence":0.9506836,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.0704006552696228},{"word":"gauge","start":1159.49,"end":1159.81,"confidence":0.9941406,"punctuated_word":"gauge","sentiment":"neutral","sentiment_score":0.02885857969522476},{"word":"whether","start":1159.81,"end":1160.05,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.06854747980833054},{"word":"you're","start":1160.05,"end":1160.21,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.02716856077313423},{"word":"in","start":1160.21,"end":1160.37,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.019671961665153503},{"word":"the","start":1160.37,"end":1160.45,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09186285734176636},{"word":"right","start":1160.45,"end":1160.77,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.0740523636341095},{"word":"portfolio","start":1160.77,"end":1161.27,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.03537130355834961},{"word":"or","start":1161.57,"end":1161.73,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0164463073015213},{"word":"not","start":1161.73,"end":1162.23,"confidence":0.9616699,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":0.003186039626598358},{"word":"if","start":1162.85,"end":1163.01,"confidence":0.92822266,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.033592239022254944},{"word":"you","start":1163.01,"end":1163.25,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.027807747945189476},{"word":"sort","start":1163.25,"end":1163.41,"confidence":0.9873047,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.031060129404067993},{"word":"of","start":1163.41,"end":1163.49,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.033866267651319504},{"word":"have","start":1163.57,"end":1163.73,"confidence":0.9819336,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.03098383918404579},{"word":"you","start":1163.73,"end":1163.89,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.031081903725862503},{"word":"ever","start":1163.89,"end":1164.05,"confidence":0.9921875,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.013941694051027298},{"word":"looked","start":1164.05,"end":1164.29,"confidence":0.9951172,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.031626977026462555},{"word":"at","start":1164.29,"end":1164.37,"confidence":0.99121094,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03532758727669716},{"word":"your","start":1164.37,"end":1164.61,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.043884195387363434},{"word":"super","start":1164.61,"end":1164.93,"confidence":0.49804688,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.03840634971857071},{"word":"and","start":1164.93,"end":1165.09,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03835885971784592},{"word":"found","start":1165.09,"end":1165.33,"confidence":0.9589844,"punctuated_word":"found","sentiment":"neutral","sentiment_score":-0.04336189106106758},{"word":"that","start":1165.33,"end":1165.49,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.052122220396995544},{"word":"it","start":1165.49,"end":1165.57,"confidence":0.9873047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05998733639717102},{"word":"had","start":1165.57,"end":1165.89,"confidence":0.9819336,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.08503763377666473},{"word":"fallen","start":1165.89,"end":1166.39,"confidence":0.98046875,"punctuated_word":"fallen,","sentiment":"neutral","sentiment_score":-0.05187508463859558},{"word":"addison","start":1166.53,"end":1167.01,"confidence":0.9197591,"punctuated_word":"Addison?","sentiment":"neutral","sentiment_score":-0.06414489448070526},{"word":"i","start":1167.01,"end":1167.09,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06812642514705658},{"word":"know","start":1167.09,"end":1167.33,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.07772590965032578},{"word":"we've","start":1167.33,"end":1167.57,"confidence":0.7661133,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.06476054340600967},{"word":"all","start":1167.57,"end":1167.73,"confidence":0.6899414,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.06596443802118301},{"word":"sort","start":1167.73,"end":1167.97,"confidence":0.96533203,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.08115550875663757},{"word":"of","start":1167.97,"end":1168.13,"confidence":0.9291992,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07519309967756271},{"word":"bought","start":1168.13,"end":1168.605,"confidence":0.46923828,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":-0.09156033396720886},{"word":"the","start":1168.765,"end":1168.885,"confidence":0.35595703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0500292032957077},{"word":"saw","start":1169.005,"end":1169.165,"confidence":0.59228516,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":-0.0352708101272583},{"word":"it","start":1169.165,"end":1169.325,"confidence":0.8618164,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07540100067853928},{"word":"fall","start":1169.325,"end":1169.645,"confidence":0.6899414,"punctuated_word":"fall","sentiment":"neutral","sentiment_score":-0.06614211201667786},{"word":"fall","start":1169.8049,"end":1170.125,"confidence":0.46984863,"punctuated_word":"fall,","sentiment":"neutral","sentiment_score":-0.057494156062603},{"word":"sorry","start":1170.125,"end":1170.365,"confidence":0.8166504,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.10232886672019958},{"word":"i","start":1170.365,"end":1170.445,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11782732605934144},{"word":"do","start":1170.445,"end":1170.6849,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.09724783897399902},{"word":"apologize","start":1170.6849,"end":1171.165,"confidence":0.8017578,"punctuated_word":"apologize.","sentiment":"neutral","sentiment_score":-0.09882572293281557},{"word":"in","start":1171.165,"end":1171.325,"confidence":0.9873047,"punctuated_word":"In","sentiment":"neutral","sentiment_score":-0.06436345726251602},{"word":"march","start":1171.325,"end":1171.645,"confidence":0.98999023,"punctuated_word":"March,","sentiment":"neutral","sentiment_score":-0.06001345068216324},{"word":"april","start":1171.645,"end":1171.965,"confidence":1.0,"punctuated_word":"April","sentiment":"neutral","sentiment_score":-0.050600361078977585},{"word":"this","start":1171.965,"end":1172.205,"confidence":0.7680664,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.04835093021392822},{"word":"year","start":1172.205,"end":1172.445,"confidence":0.99316406,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.043303437530994415},{"word":"with","start":1172.445,"end":1172.605,"confidence":0.9316406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.04902488738298416},{"word":"what","start":1172.605,"end":1172.765,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.06604917347431183},{"word":"was","start":1172.765,"end":1172.9249,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.07577480375766754},{"word":"happening","start":1172.9249,"end":1173.4249,"confidence":0.9277344,"punctuated_word":"happening.","sentiment":"neutral","sentiment_score":-0.04114338755607605},{"word":"but","start":1174.0449,"end":1174.205,"confidence":0.9902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.025481555610895157},{"word":"have","start":1174.205,"end":1174.445,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.04158435016870499},{"word":"you","start":1174.445,"end":1174.525,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.034462954849004745},{"word":"ever","start":1174.525,"end":1174.765,"confidence":1.0,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.025257542729377747},{"word":"seen","start":1174.765,"end":1175.005,"confidence":1.0,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.035050902515649796},{"word":"it","start":1175.005,"end":1175.165,"confidence":0.91845703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07520323246717453},{"word":"fall","start":1175.165,"end":1175.405,"confidence":0.9941406,"punctuated_word":"fall","sentiment":"neutral","sentiment_score":-0.08208871632814407},{"word":"very","start":1175.405,"end":1175.725,"confidence":0.99902344,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.0897868275642395},{"word":"heavily","start":1175.725,"end":1176.125,"confidence":0.9321289,"punctuated_word":"heavily,","sentiment":"neutral","sentiment_score":-0.09672406315803528},{"word":"like","start":1176.125,"end":1176.285,"confidence":0.90405273,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.09154365956783296},{"word":"around","start":1176.285,"end":1176.525,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.09100315719842912},{"word":"about","start":1176.525,"end":1176.845,"confidence":0.9941406,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.08351951092481613},{"word":"10","start":1176.845,"end":1177.085,"confidence":0.99902344,"punctuated_word":"10","sentiment":"neutral","sentiment_score":-0.07003705203533173},{"word":"or","start":1177.085,"end":1177.245,"confidence":0.97802734,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07435330003499985},{"word":"20%","start":1177.245,"end":1178.125,"confidence":0.99902344,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":-0.06605365872383118},{"word":"in","start":1178.125,"end":1178.365,"confidence":0.47265625,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05841849744319916},{"word":"past","start":1178.365,"end":1178.865,"confidence":0.701416,"punctuated_word":"past?","sentiment":"neutral","sentiment_score":-0.06293077766895294},{"word":"no","start":1181.66,"end":1181.9,"confidence":0.99560547,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1409822255373001},{"word":"that's","start":1181.9,"end":1182.3,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.10995206236839294},{"word":"okay","start":1182.3,"end":1182.8,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.08472369611263275},{"word":"if","start":1183.02,"end":1183.18,"confidence":0.9970703,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.10793189704418182},{"word":"you","start":1183.18,"end":1183.34,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09238652139902116},{"word":"did","start":1183.34,"end":1183.58,"confidence":0.9873047,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.06876377761363983},{"word":"happen","start":1183.58,"end":1183.82,"confidence":0.99902344,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.07909335196018219},{"word":"to","start":1183.82,"end":1183.98,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08480782806873322},{"word":"see","start":1183.98,"end":1184.22,"confidence":0.95703125,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.09276708960533142},{"word":"your","start":1184.22,"end":1184.38,"confidence":0.9760742,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.15576177835464478},{"word":"super","start":1184.38,"end":1184.78,"confidence":0.7446289,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.18197627365589145},{"word":"four","start":1184.78,"end":1185.02,"confidence":0.42041016,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.13514405488967896},{"word":"pretty","start":1185.02,"end":1185.34,"confidence":0.9980469,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.14549899101257324},{"word":"heavily","start":1185.34,"end":1185.84,"confidence":0.9746094,"punctuated_word":"heavily,","sentiment":"neutral","sentiment_score":-0.12346939742565156},{"word":"the","start":1186.7,"end":1186.86,"confidence":0.80322266,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12518391013145447},{"word":"fact","start":1186.86,"end":1186.98,"confidence":0.99902344,"punctuated_word":"fact","sentiment":"neutral","sentiment_score":-0.1439715027809143},{"word":"that","start":1186.98,"end":1187.1,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12994320690631866},{"word":"you","start":1187.1,"end":1187.5,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.16341157257556915},{"word":"can't","start":1187.5,"end":1187.82,"confidence":0.98291016,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.1534755676984787},{"word":"access","start":1187.82,"end":1188.14,"confidence":0.99902344,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.24772101640701297},{"word":"it","start":1188.14,"end":1188.22,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1250167191028595},{"word":"now","start":1188.22,"end":1188.38,"confidence":0.97314453,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.18581560254096985},{"word":"you've","start":1188.38,"end":1188.62,"confidence":0.99560547,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.1470337212085724},{"word":"got","start":1188.62,"end":1188.78,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.14011496305465698},{"word":"quite","start":1188.78,"end":1188.94,"confidence":0.9980469,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.12309505045413972},{"word":"a","start":1188.94,"end":1189.02,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13556361198425293},{"word":"bit","start":1189.02,"end":1189.18,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1222718507051468},{"word":"of","start":1189.18,"end":1189.34,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16782788932323456},{"word":"time","start":1189.34,"end":1189.58,"confidence":0.9892578,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.10024699568748474},{"word":"ahead","start":1189.58,"end":1189.82,"confidence":0.9980469,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":-0.09450941532850266},{"word":"of","start":1189.82,"end":1189.98,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16893762350082395},{"word":"you","start":1189.98,"end":1190.46,"confidence":0.8312988,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.14144086837768555},{"word":"do","start":1190.46,"end":1190.62,"confidence":0.9892578,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.10173341631889345},{"word":"you","start":1190.62,"end":1190.78,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06108306720852852},{"word":"think","start":1190.78,"end":1191.1,"confidence":0.9863281,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.08095218986272812},{"word":"seeing","start":1191.1,"end":1191.42,"confidence":0.9326172,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":-0.11166989803314208},{"word":"dips","start":1191.42,"end":1191.74,"confidence":0.84472656,"punctuated_word":"dips","sentiment":"neutral","sentiment_score":-0.12009158730506896},{"word":"like","start":1191.74,"end":1191.9,"confidence":0.97509766,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.16505028307437897},{"word":"that","start":1191.9,"end":1192.0599,"confidence":0.9741211,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.16903747618198395},{"word":"in","start":1192.0599,"end":1192.14,"confidence":0.9091797,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.16534781455993652},{"word":"your","start":1192.14,"end":1192.62,"confidence":0.9091797,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.10243608057498932},{"word":"would","start":1192.62,"end":1193.02,"confidence":0.43432617,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.10997262597084044},{"word":"concern","start":1193.02,"end":1193.1,"confidence":0.58691406,"punctuated_word":"concern","sentiment":"neutral","sentiment_score":-0.20250487327575684},{"word":"or","start":1193.1,"end":1193.295,"confidence":0.74365234,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1110563799738884},{"word":"are","start":1194.3351,"end":1194.5751,"confidence":0.5366211,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.11396269500255583},{"word":"you","start":1194.5751,"end":1194.735,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09177537262439728},{"word":"sort","start":1194.735,"end":1194.9751,"confidence":0.9892578,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.1410519778728485},{"word":"of","start":1194.9751,"end":1195.135,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09761825948953629},{"word":"not","start":1195.135,"end":1195.295,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.154255211353302},{"word":"overly","start":1195.295,"end":1195.775,"confidence":1.0,"punctuated_word":"overly","sentiment":"neutral","sentiment_score":-0.1835842728614807},{"word":"concerned","start":1195.775,"end":1196.175,"confidence":0.9980469,"punctuated_word":"concerned","sentiment":"neutral","sentiment_score":-0.2152942717075348},{"word":"because","start":1196.175,"end":1196.495,"confidence":0.9790039,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.15216676890850067},{"word":"you","start":1196.495,"end":1196.655,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1970614641904831},{"word":"can't","start":1196.655,"end":1197.055,"confidence":0.9980469,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.17629598081111908},{"word":"access","start":1197.055,"end":1197.375,"confidence":0.99902344,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.2754090428352356},{"word":"soup","start":1197.375,"end":1197.615,"confidence":0.46704102,"punctuated_word":"soup","sentiment":"neutral","sentiment_score":-0.11649836599826811},{"word":"and","start":1197.615,"end":1197.775,"confidence":0.47753906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09818807244300842},{"word":"now","start":1197.775,"end":1197.8551,"confidence":0.9819336,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.08390688896179199},{"word":"you've","start":1197.8551,"end":1198.0951,"confidence":0.98461914,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.059248507022857666},{"word":"got","start":1198.0951,"end":1198.175,"confidence":0.9873047,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.05794573575258255},{"word":"a","start":1198.175,"end":1198.255,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07830870151519775},{"word":"bit","start":1198.255,"end":1198.415,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.04736780375242233},{"word":"of","start":1198.415,"end":1198.5751,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09522978216409685},{"word":"time","start":1198.5751,"end":1198.8151,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.012815892696380615},{"word":"ahead","start":1198.8151,"end":1199.055,"confidence":1.0,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":-0.02009955048561096},{"word":"of","start":1199.055,"end":1199.135,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07827842235565186},{"word":"you","start":1199.135,"end":1199.375,"confidence":0.90600586,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":-0.053365111351013184},{"word":"how","start":1199.375,"end":1199.535,"confidence":0.99902344,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.02218789234757423},{"word":"do","start":1199.535,"end":1199.6951,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.025078415870666504},{"word":"you","start":1199.6951,"end":1199.775,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0032788515090942383},{"word":"think","start":1199.775,"end":1200.015,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.021722614765167236},{"word":"you","start":1200.015,"end":1200.0951,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.025855451822280884},{"word":"might","start":1200.0951,"end":1200.3351,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.027708139270544052},{"word":"be","start":1200.3351,"end":1200.495,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.029242008924484253},{"word":"feeling","start":1200.495,"end":1200.995,"confidence":0.99853516,"punctuated_word":"feeling?","sentiment":"neutral","sentiment_score":0.014134984463453293},{"word":"yeah","start":1208.1901,"end":1208.6901,"confidence":0.7298584,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15340420603752136},{"word":"yeah","start":1221.4049,"end":1221.9049,"confidence":0.9790039,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08435475826263428},{"word":"yep","start":1225.885,"end":1226.385,"confidence":0.8203125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10924088954925536},{"word":"yeah","start":1230.5399,"end":1230.94,"confidence":0.75219727,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04361353814601898},{"word":"yeah","start":1230.94,"end":1231.44,"confidence":0.982666,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.044803082942962646},{"word":"yep","start":1235.4199,"end":1235.9199,"confidence":0.8095703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.02765803039073944},{"word":"absolutely","start":1238.46,"end":1238.96,"confidence":0.6348877,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":-0.0407974049448967},{"word":"yeah","start":1241.1799,"end":1241.6799,"confidence":0.99194336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.067317895591259},{"word":"yep","start":1249.905,"end":1250.3049,"confidence":0.9177246,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07565372437238693},{"word":"yep","start":1250.3049,"end":1250.8049,"confidence":0.9082031,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14482851326465607},{"word":"perf","start":1251.265,"end":1251.765,"confidence":0.54577637,"punctuated_word":"Perf","sentiment":"neutral","sentiment_score":0.095995232462883},{"word":"perfect","start":1252.865,"end":1253.365,"confidence":0.98999023,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.5860419273376465},{"word":"all","start":1253.745,"end":1253.985,"confidence":0.9550781,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.6436434984207153},{"word":"good","start":1253.985,"end":1254.485,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5099045038223267},{"word":"and","start":1254.62,"end":1254.78,"confidence":0.9902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.14677949249744415},{"word":"do","start":1254.78,"end":1254.8601,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04398158937692642},{"word":"you","start":1254.8601,"end":1254.9401,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16783636808395386},{"word":"feel","start":1254.9401,"end":1255.26,"confidence":1.0,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.09751682728528976},{"word":"like","start":1255.26,"end":1255.5,"confidence":0.96533203,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.08777406811714172},{"word":"you'd","start":1255.5,"end":1255.66,"confidence":0.9807129,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.08897840976715088},{"word":"be","start":1255.66,"end":1255.8201,"confidence":0.9741211,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07900169491767883},{"word":"comfortable","start":1255.8201,"end":1256.3,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.06088391691446304},{"word":"now","start":1256.3,"end":1256.54,"confidence":0.9941406,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.1516643762588501},{"word":"taking","start":1256.54,"end":1256.9401,"confidence":0.99902344,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.11373711377382278},{"word":"on","start":1256.9401,"end":1257.1001,"confidence":0.7578125,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08443284034729004},{"word":"more","start":1257.1001,"end":1257.3401,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.03833138197660446},{"word":"risk","start":1257.3401,"end":1257.5801,"confidence":0.99121094,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.08008620142936707},{"word":"in","start":1257.5801,"end":1257.74,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11149588972330092},{"word":"the","start":1257.74,"end":1257.9,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16810989379882812},{"word":"market","start":1257.9,"end":1258.2201,"confidence":0.99902344,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.21946057677268985},{"word":"to","start":1258.2201,"end":1258.38,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06652756035327911},{"word":"try","start":1258.38,"end":1258.62,"confidence":0.99316406,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.07810138911008835},{"word":"and","start":1258.62,"end":1258.86,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11892103403806686},{"word":"obtain","start":1258.86,"end":1259.26,"confidence":0.9941406,"punctuated_word":"obtain","sentiment":"neutral","sentiment_score":0.14941558241844177},{"word":"those","start":1259.26,"end":1259.5,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.22556355595588684},{"word":"greater","start":1259.5,"end":1259.8201,"confidence":0.9970703,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.23484796285629272},{"word":"potential","start":1259.8201,"end":1260.3201,"confidence":1.0,"punctuated_word":"potential","sentiment":"positive","sentiment_score":0.4238293170928955},{"word":"returns","start":1260.38,"end":1260.88,"confidence":0.78222656,"punctuated_word":"returns,","sentiment":"neutral","sentiment_score":0.2416345775127411},{"word":"or","start":1261.66,"end":1261.8201,"confidence":0.71777344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.034883879125118256},{"word":"do","start":1261.8201,"end":1261.98,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.02496341243386269},{"word":"you","start":1261.98,"end":1262.06,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.018472187221050262},{"word":"feel","start":1262.06,"end":1262.3,"confidence":1.0,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.047404177486896515},{"word":"like","start":1262.3,"end":1262.54,"confidence":0.9770508,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.03993485867977142},{"word":"you'd","start":1262.54,"end":1262.78,"confidence":0.967041,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":-0.03910807520151138},{"word":"be","start":1262.78,"end":1263.18,"confidence":0.9604492,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.03641461580991745},{"word":"feeling","start":1263.18,"end":1263.5,"confidence":0.75341797,"punctuated_word":"feeling","sentiment":"neutral","sentiment_score":-0.06766811013221741},{"word":"a","start":1263.5,"end":1263.5801,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.007148712873458862},{"word":"bit","start":1263.5801,"end":1263.74,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.006643623113632202},{"word":"more","start":1263.74,"end":1263.98,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.06762714684009552},{"word":"conservative","start":1263.98,"end":1264.48,"confidence":1.0,"punctuated_word":"conservative","sentiment":"neutral","sentiment_score":-0.03238572180271149},{"word":"because","start":1264.62,"end":1264.86,"confidence":0.9951172,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.017765268683433533},{"word":"of","start":1264.86,"end":1265.02,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02123357355594635},{"word":"the","start":1265.02,"end":1265.1001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04270783066749573},{"word":"ups","start":1265.1001,"end":1265.26,"confidence":0.99902344,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":-0.035208627581596375},{"word":"and","start":1265.26,"end":1265.42,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08183339238166809},{"word":"downs","start":1265.42,"end":1265.74,"confidence":0.9951172,"punctuated_word":"downs","sentiment":"neutral","sentiment_score":-0.002719104290008545},{"word":"the","start":1265.74,"end":1265.8201,"confidence":0.95947266,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.001955866813659668},{"word":"market","start":1265.8201,"end":1266.14,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.01590937376022339},{"word":"has","start":1266.14,"end":1266.38,"confidence":0.9951172,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.0019105002284049988},{"word":"been","start":1266.38,"end":1266.62,"confidence":0.96875,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.001404210925102234},{"word":"seeing","start":1266.62,"end":1266.86,"confidence":0.859375,"punctuated_word":"seeing?","sentiment":"neutral","sentiment_score":-0.015734612941741943},{"word":"how","start":1266.86,"end":1267.1001,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.004603646695613861},{"word":"do","start":1267.1001,"end":1267.18,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.01211698353290558},{"word":"you","start":1267.18,"end":1267.26,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04130037873983383},{"word":"think","start":1267.26,"end":1267.5,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.034038037061691284},{"word":"you","start":1267.5,"end":1267.5801,"confidence":0.8857422,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.012059137225151062},{"word":"might","start":1267.5801,"end":1267.9,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.04002219438552856},{"word":"sort","start":1267.9,"end":1268.14,"confidence":0.9838867,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.022807955741882324},{"word":"of","start":1268.14,"end":1268.2201,"confidence":0.9667969,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03307940810918808},{"word":"fit","start":1268.2201,"end":1268.38,"confidence":0.9941406,"punctuated_word":"fit","sentiment":"neutral","sentiment_score":0.019509777426719666},{"word":"in","start":1268.38,"end":1268.54,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.025372467935085297},{"word":"there","start":1268.54,"end":1269.04,"confidence":0.99902344,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":0.07548478245735168},{"word":"yep","start":1273.925,"end":1274.425,"confidence":0.94677734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07860584557056427},{"word":"yep","start":1276.7251,"end":1277.2251,"confidence":0.8171387,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.011537137441337109},{"word":"yeah","start":1280.3251,"end":1280.8251,"confidence":0.93847656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.021018704399466515},{"word":"yeah","start":1283.54,"end":1284.04,"confidence":0.8288574,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06101159006357193},{"word":"absolutely","start":1284.18,"end":1284.68,"confidence":0.95458984,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.07231399416923523},{"word":"well","start":1284.8201,"end":1285.06,"confidence":0.9772949,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.030490702018141747},{"word":"with","start":1285.06,"end":1285.2201,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.019268039613962173},{"word":"the","start":1285.2201,"end":1285.38,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03111179918050766},{"word":"growth","start":1285.38,"end":1285.7001,"confidence":0.9716797,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.06023881584405899},{"word":"sort","start":1285.7001,"end":1285.8601,"confidence":0.9658203,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.03536967188119888},{"word":"of","start":1285.8601,"end":1285.9401,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01732201874256134},{"word":"area","start":1285.9401,"end":1286.26,"confidence":0.99902344,"punctuated_word":"area","sentiment":"neutral","sentiment_score":0.03414035961031914},{"word":"and","start":1286.26,"end":1286.3401,"confidence":0.84765625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03423716872930527},{"word":"the","start":1286.3401,"end":1286.5,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.049314163625240326},{"word":"growth","start":1286.5,"end":1286.9,"confidence":0.9970703,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.06922711431980133},{"word":"portfolio","start":1286.9,"end":1287.3,"confidence":0.9526367,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.010790839791297913},{"word":"that","start":1287.3,"end":1287.4601,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04103534296154976},{"word":"you're","start":1287.4601,"end":1287.7001,"confidence":0.9946289,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05540161952376366},{"word":"in","start":1287.7001,"end":1287.8601,"confidence":0.97314453,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.06491715461015701},{"word":"when","start":1287.8601,"end":1288.02,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.04552139714360237},{"word":"you","start":1288.02,"end":1288.18,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03262989595532417},{"word":"sort","start":1288.18,"end":1288.42,"confidence":0.99316406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.021271195262670517},{"word":"of","start":1288.42,"end":1288.5801,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.023846708238124847},{"word":"assess","start":1288.5801,"end":1289.06,"confidence":0.97802734,"punctuated_word":"assess","sentiment":"neutral","sentiment_score":0.020639270544052124},{"word":"risk","start":1289.06,"end":1289.38,"confidence":0.9980469,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.005034707486629486},{"word":"out","start":1289.38,"end":1289.6201,"confidence":0.9873047,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.022358573973178864},{"word":"of","start":1289.6201,"end":1289.78,"confidence":0.9038086,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.007308419793844223},{"word":"say","start":1289.78,"end":1290.28,"confidence":0.9980469,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.005579054355621338},{"word":"a","start":1290.66,"end":1290.7401,"confidence":0.9658203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015889007598161697},{"word":"number","start":1290.7401,"end":1291.06,"confidence":0.7104492,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.0063339099287986755},{"word":"between","start":1291.06,"end":1291.38,"confidence":0.99609375,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.016987808048725128},{"word":"one","start":1291.38,"end":1291.6201,"confidence":0.9970703,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.04037459194660187},{"word":"and","start":1291.6201,"end":1291.78,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0027514025568962097},{"word":"five","start":1291.78,"end":1292.1001,"confidence":0.9904785,"punctuated_word":"five,","sentiment":"neutral","sentiment_score":0.025044765323400497},{"word":"you're","start":1292.1001,"end":1292.3401,"confidence":0.95336914,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.01538134180009365},{"word":"kind","start":1292.3401,"end":1292.5,"confidence":0.83740234,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.0011689811944961548},{"word":"of","start":1292.5,"end":1292.66,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.000933609902858734},{"word":"in","start":1292.66,"end":1292.8201,"confidence":0.9863281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.005472853779792786},{"word":"that","start":1292.8201,"end":1292.9801,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.012966036796569824},{"word":"sort","start":1292.9801,"end":1293.14,"confidence":0.9838867,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.0190877765417099},{"word":"of","start":1293.14,"end":1293.38,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.006910480558872223},{"word":"three","start":1293.38,"end":1293.54,"confidence":0.98535156,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.004988253116607666},{"word":"to","start":1293.54,"end":1293.7001,"confidence":0.9550781,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03128320723772049},{"word":"4%","start":1293.7001,"end":1294.375,"confidence":0.9127197,"punctuated_word":"4%.","sentiment":"neutral","sentiment_score":0.01748284511268139},{"word":"so","start":1294.375,"end":1294.615,"confidence":0.9863281,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02804376557469368},{"word":"you're","start":1294.615,"end":1294.695,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.030139729380607605},{"word":"not","start":1294.695,"end":1295.015,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.07535028457641602},{"word":"really","start":1295.015,"end":1295.255,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.0722518190741539},{"word":"in","start":1295.255,"end":1295.495,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0933174043893814},{"word":"the","start":1295.495,"end":1295.6549,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06898952275514603},{"word":"highest","start":1295.6549,"end":1296.0549,"confidence":1.0,"punctuated_word":"highest","sentiment":"neutral","sentiment_score":-0.1017594039440155},{"word":"risk","start":1296.0549,"end":1296.375,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.13859592378139496},{"word":"category","start":1296.375,"end":1296.855,"confidence":0.9921875,"punctuated_word":"category.","sentiment":"neutral","sentiment_score":-0.12986132502555847},{"word":"you're","start":1296.855,"end":1297.095,"confidence":1.0,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.020317835733294487},{"word":"not","start":1297.095,"end":1297.255,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.020551539957523342},{"word":"putting","start":1297.255,"end":1297.575,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":-0.027461843565106392},{"word":"all","start":1297.575,"end":1297.735,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.004153270274400711},{"word":"of","start":1297.735,"end":1297.895,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.007687732577323914},{"word":"your","start":1297.895,"end":1298.395,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.007231071591377258},{"word":"investments","start":1298.5349,"end":1299.015,"confidence":0.9658203,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.02456305176019669},{"word":"in","start":1299.015,"end":1299.1749,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.01414458453655243},{"word":"those","start":1299.1749,"end":1299.4149,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.01961854100227356},{"word":"high","start":1299.4149,"end":1299.6549,"confidence":0.9838867,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.009189099073410034},{"word":"growth","start":1299.6549,"end":1299.975,"confidence":0.9633789,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.02915961667895317},{"word":"kind","start":1299.975,"end":1300.215,"confidence":0.9633789,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.002101793885231018},{"word":"of","start":1300.215,"end":1300.5349,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.009020447731018066},{"word":"assets","start":1300.5349,"end":1300.855,"confidence":0.9890137,"punctuated_word":"assets,","sentiment":"neutral","sentiment_score":-0.0019038598984479904},{"word":"but","start":1300.855,"end":1301.095,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.038033585995435715},{"word":"you're","start":1301.095,"end":1301.255,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.05908648669719696},{"word":"also","start":1301.255,"end":1301.575,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.06347556412220001},{"word":"not","start":1301.575,"end":1301.735,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.07562942057847977},{"word":"very","start":1301.735,"end":1302.0549,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.115408793091774},{"word":"conservative","start":1302.0549,"end":1302.5549,"confidence":0.9760742,"punctuated_word":"conservative","sentiment":"neutral","sentiment_score":-0.12192414700984956},{"word":"on","start":1302.695,"end":1302.775,"confidence":0.8989258,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.12443643063306808},{"word":"the","start":1302.775,"end":1302.9349,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07223039120435715},{"word":"lower","start":1302.9349,"end":1303.1749,"confidence":0.99902344,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":-0.04367636889219284},{"word":"end","start":1303.1749,"end":1303.4149,"confidence":0.98535156,"punctuated_word":"end.","sentiment":"neutral","sentiment_score":-0.09505373239517212},{"word":"you're","start":1303.4149,"end":1303.575,"confidence":0.99365234,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.01509646326303482},{"word":"kind","start":1303.575,"end":1303.815,"confidence":0.9980469,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.010944075882434843},{"word":"of","start":1303.815,"end":1303.895,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.021785102784633636},{"word":"in","start":1303.895,"end":1304.0549,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.015963114798069},{"word":"the","start":1304.0549,"end":1304.135,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0038898326456546783},{"word":"middle","start":1304.135,"end":1304.455,"confidence":1.0,"punctuated_word":"middle","sentiment":"neutral","sentiment_score":-0.01453077793121338},{"word":"there","start":1304.455,"end":1304.855,"confidence":0.9663086,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0018594861030578611},{"word":"so","start":1304.855,"end":1305.015,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.002274066209793091},{"word":"with","start":1305.015,"end":1305.255,"confidence":0.9902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.005886785686016083},{"word":"that","start":1305.255,"end":1305.4149,"confidence":0.7392578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.010452888906002045},{"word":"eighty","start":1305.4149,"end":1305.735,"confidence":0.99316406,"punctuated_word":"eighty","sentiment":"neutral","sentiment_score":0.005422688089311123},{"word":"twenty","start":1305.735,"end":1306.0549,"confidence":0.86035156,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.009521296247839928},{"word":"split","start":1306.0549,"end":1306.215,"confidence":0.9394531,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.006837533786892891},{"word":"yeah","start":1306.455,"end":1306.955,"confidence":0.9980469,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.02567058801651001},{"word":"and","start":1307.1799,"end":1307.34,"confidence":0.94384766,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.04058991000056267},{"word":"realistically","start":1307.34,"end":1307.84,"confidence":1.0,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.0653381273150444},{"word":"this","start":1308.0599,"end":1308.2999,"confidence":0.9941406,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.09503589570522308},{"word":"sort","start":1308.2999,"end":1308.5399,"confidence":0.98291016,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.05216001719236374},{"word":"of","start":1308.5399,"end":1308.62,"confidence":0.99121094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08486628532409668},{"word":"portfolio","start":1308.62,"end":1309.12,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.026348158717155457},{"word":"does","start":1309.26,"end":1309.58,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.06026299297809601},{"word":"sort","start":1309.58,"end":1309.74,"confidence":0.9921875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.05840613692998886},{"word":"of","start":1309.74,"end":1310.22,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08836019039154053},{"word":"sit","start":1310.22,"end":1310.5399,"confidence":0.4975586,"punctuated_word":"sit","sentiment":"neutral","sentiment_score":0.125899076461792},{"word":"with","start":1310.5399,"end":1310.86,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10232746601104736},{"word":"your","start":1310.86,"end":1311.1,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0863589495420456},{"word":"time","start":1311.1,"end":1311.4199,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.09389951825141908},{"word":"horizon","start":1311.4199,"end":1311.9199,"confidence":0.9975586,"punctuated_word":"horizon.","sentiment":"neutral","sentiment_score":0.10060405731201172},{"word":"it","start":1312.46,"end":1312.78,"confidence":0.7709961,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.10588790476322174},{"word":"generally","start":1312.78,"end":1313.1799,"confidence":0.99121094,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":0.11299466341733932},{"word":"suits","start":1313.1799,"end":1313.4199,"confidence":0.7973633,"punctuated_word":"suits","sentiment":"neutral","sentiment_score":0.08303527534008026},{"word":"someone","start":1313.4199,"end":1313.66,"confidence":0.99902344,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.1184212565422058},{"word":"who","start":1313.66,"end":1313.82,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.08199910819530487},{"word":"has","start":1313.82,"end":1314.0599,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.04829011484980583},{"word":"about","start":1314.0599,"end":1314.38,"confidence":0.9863281,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.048727892339229584},{"word":"six","start":1314.38,"end":1314.62,"confidence":0.8935547,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.07341700047254562},{"word":"years","start":1314.62,"end":1314.86,"confidence":0.9951172,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.05979115143418312},{"word":"before","start":1314.86,"end":1315.1,"confidence":0.79248047,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.07476012408733368},{"word":"they're","start":1315.1,"end":1315.26,"confidence":0.9807129,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.06601600348949432},{"word":"wanting","start":1315.26,"end":1315.58,"confidence":0.9970703,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.06980013847351074},{"word":"to","start":1315.58,"end":1315.74,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07328106462955475},{"word":"access","start":1315.74,"end":1316.14,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.05097205191850662},{"word":"their","start":1316.14,"end":1316.38,"confidence":0.93847656,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.06881971657276154},{"word":"super","start":1316.38,"end":1316.88,"confidence":0.98413086,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.1232115775346756},{"word":"as","start":1317.26,"end":1317.4199,"confidence":0.97998047,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.038588687777519226},{"word":"i","start":1317.4199,"end":1317.58,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.055143482983112335},{"word":"mentioned","start":1317.58,"end":1317.82,"confidence":0.9926758,"punctuated_word":"mentioned,","sentiment":"neutral","sentiment_score":0.03825639188289642},{"word":"you","start":1317.82,"end":1317.98,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04210352897644043},{"word":"have","start":1317.98,"end":1318.14,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03468427434563637},{"word":"the","start":1318.14,"end":1318.38,"confidence":0.55126953,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04294703900814056},{"word":"eighty","start":1318.38,"end":1318.62,"confidence":0.99902344,"punctuated_word":"eighty","sentiment":"neutral","sentiment_score":0.02887566201388836},{"word":"twenty","start":1318.62,"end":1318.94,"confidence":0.97802734,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.028868958353996277},{"word":"kind","start":1318.94,"end":1319.1799,"confidence":0.81396484,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.0273432694375515},{"word":"of","start":1319.1799,"end":1319.26,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.027384378015995026},{"word":"split","start":1319.26,"end":1319.58,"confidence":0.97314453,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.02045982889831066},{"word":"between","start":1319.58,"end":1319.9,"confidence":0.99902344,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.0375366248190403},{"word":"gross","start":1319.9,"end":1320.22,"confidence":0.54345703,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":0.025596555322408676},{"word":"defensive","start":1320.22,"end":1320.72,"confidence":0.4501953,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.01944173127412796},{"word":"assets","start":1321.02,"end":1321.5,"confidence":0.80981445,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.02660222537815571},{"word":"and","start":1321.5,"end":1322.0,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05900873616337776},{"word":"the","start":1322.105,"end":1322.265,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1098541095852852},{"word":"average","start":1322.265,"end":1322.505,"confidence":1.0,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.12586084008216858},{"word":"return","start":1322.505,"end":1322.985,"confidence":0.9980469,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.1920049786567688},{"word":"we're","start":1322.985,"end":1323.145,"confidence":0.9970703,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.12612292170524597},{"word":"looking","start":1323.145,"end":1323.385,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.07292374223470688},{"word":"to","start":1323.385,"end":1323.545,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10069029778242113},{"word":"try","start":1323.545,"end":1323.7051,"confidence":0.9921875,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.1352093666791916},{"word":"and","start":1323.7051,"end":1323.865,"confidence":0.8642578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1449793130159378},{"word":"achieve","start":1323.865,"end":1324.345,"confidence":0.99902344,"punctuated_word":"achieve","sentiment":"neutral","sentiment_score":0.13355185091495514},{"word":"over","start":1324.345,"end":1324.5851,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.1439088135957718},{"word":"the","start":1324.5851,"end":1324.745,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12591415643692017},{"word":"longer","start":1324.745,"end":1325.0651,"confidence":0.99902344,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":0.12641793489456177},{"word":"term","start":1325.0651,"end":1325.305,"confidence":0.99609375,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.13416652381420135},{"word":"from","start":1325.305,"end":1325.545,"confidence":0.99121094,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.14692863821983335},{"word":"this","start":1325.545,"end":1325.7051,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1293448507785797},{"word":"one","start":1325.7051,"end":1325.9451,"confidence":0.9482422,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.13427132368087769},{"word":"is","start":1325.9451,"end":1326.185,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10016533732414246},{"word":"about","start":1326.185,"end":1326.505,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.09951932728290558},{"word":"seven","start":1326.505,"end":1326.8251,"confidence":0.9980469,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.10565391182899476},{"word":"to","start":1326.8251,"end":1326.905,"confidence":0.98095703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0594976581633091},{"word":"9%","start":1326.905,"end":1327.465,"confidence":1.0,"punctuated_word":"9%","sentiment":"neutral","sentiment_score":0.1382759064435959},{"word":"on","start":1327.465,"end":1327.625,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10392597317695618},{"word":"a","start":1327.625,"end":1327.785,"confidence":0.90722656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10450835525989532},{"word":"yearly","start":1327.785,"end":1328.185,"confidence":0.9980469,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.10301901400089264},{"word":"basis","start":1328.185,"end":1328.685,"confidence":0.99658203,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":0.08789065480232239},{"word":"so","start":1328.745,"end":1329.245,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06912665069103241},{"word":"looking","start":1329.305,"end":1329.625,"confidence":0.96533203,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.08552221208810806},{"word":"at","start":1329.625,"end":1329.785,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1844325214624405},{"word":"how","start":1329.785,"end":1330.025,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.21896429359912872},{"word":"your","start":1330.025,"end":1330.265,"confidence":0.9658203,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.29792919754981995},{"word":"super","start":1330.265,"end":1330.665,"confidence":0.9707031,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.4960314631462097},{"word":"this","start":1330.665,"end":1330.905,"confidence":0.94189453,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.3008314073085785},{"word":"year","start":1330.905,"end":1331.145,"confidence":0.99316406,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.34320777654647827},{"word":"has","start":1331.145,"end":1331.385,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.2526054382324219},{"word":"performed","start":1331.385,"end":1331.885,"confidence":0.9628906,"punctuated_word":"performed,","sentiment":"neutral","sentiment_score":0.3150119185447693},{"word":"net","start":1332.345,"end":1332.665,"confidence":0.9428711,"punctuated_word":"net","sentiment":"positive","sentiment_score":0.3845701515674591},{"word":"of","start":1332.665,"end":1332.745,"confidence":0.91503906,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2736801505088806},{"word":"fees","start":1332.745,"end":1333.0651,"confidence":0.9733887,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.235891655087471},{"word":"you've","start":1333.0651,"end":1333.305,"confidence":0.95410156,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.3128488063812256},{"word":"actually","start":1333.305,"end":1333.805,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.311126172542572},{"word":"performed","start":1333.865,"end":1334.345,"confidence":0.99902344,"punctuated_word":"performed","sentiment":"neutral","sentiment_score":0.3316669464111328},{"word":"and","start":1334.345,"end":1334.505,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.30615490674972534},{"word":"returned","start":1334.505,"end":1335.005,"confidence":0.99902344,"punctuated_word":"returned","sentiment":"positive","sentiment_score":0.3378605842590332},{"word":"8.28","start":1335.0651,"end":1336.265,"confidence":0.9975586,"punctuated_word":"8.28","sentiment":"neutral","sentiment_score":0.22123396396636963},{"word":"percent","start":1336.265,"end":1336.765,"confidence":0.9628906,"punctuated_word":"percent.","sentiment":"neutral","sentiment_score":0.25057798624038696},{"word":"so","start":1337.2001,"end":1337.3601,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.23315870761871335},{"word":"it","start":1337.3601,"end":1337.6001,"confidence":0.9970703,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4616762697696686},{"word":"is","start":1337.6001,"end":1337.8401,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4088398814201355},{"word":"definitely","start":1337.8401,"end":1338.24,"confidence":0.9980469,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.4891800582408905},{"word":"in","start":1338.24,"end":1338.4801,"confidence":0.9980469,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4644918143749237},{"word":"that","start":1338.4801,"end":1338.7201,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5070127248764038},{"word":"range","start":1338.7201,"end":1339.04,"confidence":0.98217773,"punctuated_word":"range.","sentiment":"positive","sentiment_score":0.43476036190986633},{"word":"you're","start":1339.04,"end":1339.28,"confidence":0.99316406,"punctuated_word":"You're","sentiment":"positive","sentiment_score":0.4698372483253479},{"word":"kind","start":1339.28,"end":1339.4401,"confidence":0.9980469,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.39984166622161865},{"word":"of","start":1339.4401,"end":1339.6001,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.45547574758529663},{"word":"on","start":1339.6001,"end":1339.8401,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4253799617290497},{"word":"track","start":1339.8401,"end":1340.16,"confidence":1.0,"punctuated_word":"track","sentiment":"positive","sentiment_score":0.49370190501213074},{"word":"with","start":1340.16,"end":1340.4801,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5101339817047119},{"word":"what","start":1340.4801,"end":1340.7201,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.45411282777786255},{"word":"what","start":1340.7201,"end":1340.9601,"confidence":0.9951172,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4043958783149719},{"word":"we're","start":1340.9601,"end":1341.28,"confidence":0.99853516,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.3766113221645355},{"word":"kind","start":1341.28,"end":1341.52,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.3074645698070526},{"word":"of","start":1341.52,"end":1341.6001,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.39310944080352783},{"word":"aiming","start":1341.6001,"end":1341.92,"confidence":1.0,"punctuated_word":"aiming","sentiment":"positive","sentiment_score":0.3375479280948639},{"word":"for","start":1341.92,"end":1342.16,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.31681469082832336},{"word":"with","start":1342.16,"end":1342.3201,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.3259260058403015},{"word":"this","start":1342.3201,"end":1342.56,"confidence":0.9980469,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.3726418614387512},{"word":"portfolio","start":1342.56,"end":1343.06,"confidence":0.81518555,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.2859480679035187},{"word":"and","start":1343.6001,"end":1343.76,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.17105719447135925},{"word":"to","start":1343.76,"end":1343.92,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15998752415180206},{"word":"come","start":1343.92,"end":1344.16,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.17823103070259094},{"word":"out","start":1344.16,"end":1344.3201,"confidence":0.9902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.21282069385051727},{"word":"even","start":1344.3201,"end":1344.56,"confidence":0.5605469,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.1512652486562729},{"word":"with","start":1344.56,"end":1344.8,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17332960665225983},{"word":"what's","start":1344.8,"end":1345.04,"confidence":0.99902344,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.151272714138031},{"word":"been","start":1345.04,"end":1345.2001,"confidence":0.9970703,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.11755580455064774},{"word":"happening","start":1345.2001,"end":1345.7001,"confidence":1.0,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":0.17640060186386108},{"word":"this","start":1345.76,"end":1346.0,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.14320415258407593},{"word":"year","start":1346.0,"end":1346.24,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.21008434891700745},{"word":"and","start":1346.24,"end":1346.4801,"confidence":0.86328125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1659885197877884},{"word":"with","start":1346.4801,"end":1346.7201,"confidence":0.8178711,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2129247486591339},{"word":"ben","start":1346.7201,"end":1346.88,"confidence":0.61816406,"punctuated_word":"Ben","sentiment":"neutral","sentiment_score":0.15980225801467896},{"word":"along","start":1346.88,"end":1347.3601,"confidence":0.6159668,"punctuated_word":"along,","sentiment":"neutral","sentiment_score":0.15286174416542053},{"word":"having","start":1347.6001,"end":1347.92,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.13675649464130402},{"word":"a","start":1347.92,"end":1348.0,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10972386598587036},{"word":"bit","start":1348.0,"end":1348.16,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07128678262233734},{"word":"of","start":1348.16,"end":1348.3201,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08344054222106934},{"word":"a","start":1348.3201,"end":1348.4801,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04193310812115669},{"word":"downtime","start":1348.4801,"end":1348.9601,"confidence":0.97998047,"punctuated_word":"downtime","sentiment":"neutral","sentiment_score":-0.023142019286751747},{"word":"and","start":1348.9601,"end":1349.325,"confidence":0.9741211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.009125988930463793},{"word":"not","start":1349.485,"end":1349.725,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.0023925751447677612},{"word":"performing","start":1349.725,"end":1350.205,"confidence":1.0,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":0.032451778650283813},{"word":"the","start":1350.205,"end":1350.2849,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09005016088485718},{"word":"way","start":1350.2849,"end":1350.5249,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.11979620903730392},{"word":"we","start":1350.5249,"end":1350.6849,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09849564731121065},{"word":"wanted","start":1350.6849,"end":1351.005,"confidence":0.9873047,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.09806575626134872},{"word":"to","start":1351.005,"end":1351.1649,"confidence":0.8178711,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09670688211917876},{"word":"to","start":1351.1649,"end":1351.325,"confidence":0.8100586,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10371369123458862},{"word":"come","start":1351.325,"end":1351.485,"confidence":0.9980469,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.1742255985736847},{"word":"up","start":1351.485,"end":1351.565,"confidence":0.67529297,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.14397846162319183},{"word":"with","start":1351.565,"end":1351.725,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.16178689897060394},{"word":"an","start":1351.725,"end":1351.885,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.12588852643966675},{"word":"8%","start":1351.885,"end":1352.365,"confidence":0.99902344,"punctuated_word":"8%","sentiment":"neutral","sentiment_score":0.15783601999282837},{"word":"return","start":1352.365,"end":1352.7649,"confidence":0.9970703,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.14056342840194702},{"word":"net","start":1352.7649,"end":1353.005,"confidence":0.9326172,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.14869627356529236},{"word":"of","start":1353.005,"end":1353.245,"confidence":0.9741211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08318357169628143},{"word":"fees","start":1353.245,"end":1353.565,"confidence":0.70336914,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.10574997961521149},{"word":"there's","start":1353.565,"end":1353.8049,"confidence":0.9399414,"punctuated_word":"There's","sentiment":"positive","sentiment_score":0.3911934494972229},{"word":"still","start":1353.8049,"end":1353.965,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4319429397583008},{"word":"a","start":1353.965,"end":1354.0449,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5364049673080444},{"word":"good","start":1354.0449,"end":1354.365,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5479246377944946},{"word":"positive","start":1354.365,"end":1354.7649,"confidence":0.9448242,"punctuated_word":"positive","sentiment":"positive","sentiment_score":0.7423175573348999},{"word":"result","start":1354.7649,"end":1355.245,"confidence":0.6928711,"punctuated_word":"result.","sentiment":"positive","sentiment_score":0.6354469060897827},{"word":"so","start":1355.245,"end":1355.4049,"confidence":0.42236328,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.7129377126693726},{"word":"very","start":1355.4049,"end":1355.6449,"confidence":0.86865234,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.7996379137039185},{"word":"happy","start":1355.6449,"end":1355.965,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.7493676543235779},{"word":"with","start":1355.965,"end":1356.125,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.7895433902740479},{"word":"that","start":1356.125,"end":1356.365,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.8021308779716492},{"word":"for","start":1356.365,"end":1356.605,"confidence":0.9980469,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7596867084503174},{"word":"the","start":1356.605,"end":1356.6849,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7694656252861023},{"word":"year","start":1356.6849,"end":1357.1649,"confidence":0.9995117,"punctuated_word":"year.","sentiment":"positive","sentiment_score":0.6750088930130005},{"word":"yeah","start":1357.1649,"end":1357.6649,"confidence":0.9655762,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.23370707035064697},{"word":"fantastic","start":1358.9249,"end":1359.4249,"confidence":0.9951172,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5956764221191406},{"word":"so","start":1359.565,"end":1359.725,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.39574384689331055},{"word":"i","start":1359.725,"end":1359.885,"confidence":0.9863281,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3830995559692383},{"word":"definitely","start":1359.885,"end":1360.205,"confidence":0.97265625,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.38266757130622864},{"word":"wanna","start":1360.205,"end":1360.445,"confidence":0.9902344,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.3625324368476868},{"word":"keep","start":1360.445,"end":1360.6849,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.299579381942749},{"word":"you","start":1360.6849,"end":1360.7649,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2649468183517456},{"word":"in","start":1360.7649,"end":1360.9249,"confidence":0.98828125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3078518211841583},{"word":"that","start":1360.9249,"end":1361.085,"confidence":0.9873047,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.34335270524024963},{"word":"growth","start":1361.085,"end":1361.325,"confidence":0.91845703,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.3804031014442444},{"word":"kind","start":1361.325,"end":1361.565,"confidence":0.9604492,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.25929713249206543},{"word":"of","start":1361.565,"end":1361.725,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.25941920280456543},{"word":"environment","start":1361.725,"end":1362.125,"confidence":0.9550781,"punctuated_word":"environment","sentiment":"positive","sentiment_score":0.3626911640167236},{"word":"a","start":1362.125,"end":1362.205,"confidence":0.7050781,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2154141366481781},{"word":"bit","start":1362.205,"end":1362.445,"confidence":0.99316406,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11143635213375092},{"word":"longer","start":1362.445,"end":1362.7649,"confidence":0.84643555,"punctuated_word":"longer.","sentiment":"neutral","sentiment_score":0.26545804738998413},{"word":"if","start":1362.7649,"end":1362.9249,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.124712236225605},{"word":"you","start":1362.9249,"end":1363.085,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07651308178901672},{"word":"ever","start":1363.085,"end":1363.4049,"confidence":0.9404297,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.07617390155792236},{"word":"find","start":1363.4049,"end":1363.9049,"confidence":0.9873047,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.07136492431163788},{"word":"the","start":1364.0599,"end":1364.22,"confidence":0.46850586,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0446356013417244},{"word":"day","start":1364.22,"end":1364.34,"confidence":0.97998047,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.04869263991713524},{"word":"that","start":1364.34,"end":1364.46,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03746624663472176},{"word":"you","start":1364.46,"end":1364.78,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07046887278556824},{"word":"are","start":1364.78,"end":1365.02,"confidence":0.9951172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05828450620174408},{"word":"a","start":1365.02,"end":1365.1799,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05457349121570587},{"word":"bit","start":1365.1799,"end":1365.34,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.022535137832164764},{"word":"nervous","start":1365.34,"end":1365.66,"confidence":1.0,"punctuated_word":"nervous","sentiment":"neutral","sentiment_score":0.00827779620885849},{"word":"about","start":1365.66,"end":1365.82,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.02647172659635544},{"word":"what's","start":1365.82,"end":1365.98,"confidence":0.9995117,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.003465625224635005},{"word":"happening","start":1365.98,"end":1366.2999,"confidence":1.0,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":0.007298789918422699},{"word":"or","start":1366.2999,"end":1366.54,"confidence":0.9633789,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.020832009613513947},{"word":"just","start":1366.54,"end":1366.7,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.030685335397720337},{"word":"had","start":1366.7,"end":1366.86,"confidence":0.81347656,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.06374349445104599},{"word":"some","start":1366.86,"end":1367.02,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.02640686556696892},{"word":"questions","start":1367.02,"end":1367.4199,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.03863898292183876},{"word":"around","start":1367.4199,"end":1367.66,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.02843191847205162},{"word":"the","start":1367.66,"end":1367.9,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07358007878065109},{"word":"investments","start":1367.9,"end":1368.4,"confidence":0.8305664,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.06089133769273758},{"word":"or","start":1368.62,"end":1368.86,"confidence":0.9604492,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06665859371423721},{"word":"anything","start":1368.86,"end":1369.1799,"confidence":0.9980469,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.07655978202819824},{"word":"that","start":1369.1799,"end":1369.34,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03702978044748306},{"word":"you","start":1369.34,"end":1369.5,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04542939737439155},{"word":"are","start":1369.5,"end":1369.66,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.04111961647868157},{"word":"hearing","start":1369.66,"end":1369.98,"confidence":0.99853516,"punctuated_word":"hearing,","sentiment":"neutral","sentiment_score":0.057626545429229736},{"word":"please","start":1369.98,"end":1370.2999,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.10764393210411072},{"word":"do","start":1370.2999,"end":1370.46,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10514207184314728},{"word":"give","start":1370.46,"end":1370.62,"confidence":0.9980469,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1347917467355728},{"word":"us","start":1370.62,"end":1370.86,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.1433619260787964},{"word":"a","start":1370.86,"end":1370.94,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10926391184329988},{"word":"call","start":1370.94,"end":1371.1799,"confidence":0.9995117,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.1108165755867958},{"word":"we","start":1371.1799,"end":1371.34,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.22846010327339172},{"word":"are","start":1371.34,"end":1371.5,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.222361758351326},{"word":"here","start":1371.5,"end":1371.74,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.28792741894721985},{"word":"to","start":1371.74,"end":1371.82,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24015724658966064},{"word":"help","start":1371.82,"end":1372.0599,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.3113439977169037},{"word":"you","start":1372.0599,"end":1372.22,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.325684130191803},{"word":"along","start":1372.22,"end":1372.72,"confidence":1.0,"punctuated_word":"along","sentiment":"positive","sentiment_score":0.39496877789497375},{"word":"and","start":1372.94,"end":1373.1,"confidence":0.5541992,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3378485143184662},{"word":"definitely","start":1373.1,"end":1373.5,"confidence":0.9741211,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.40360012650489807},{"word":"provide","start":1373.5,"end":1373.82,"confidence":0.99902344,"punctuated_word":"provide","sentiment":"positive","sentiment_score":0.3533663749694824},{"word":"information","start":1373.82,"end":1374.2999,"confidence":0.9980469,"punctuated_word":"information","sentiment":"positive","sentiment_score":0.33923736214637756},{"word":"and","start":1374.2999,"end":1374.46,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3111341595649719},{"word":"guide","start":1374.46,"end":1374.7,"confidence":1.0,"punctuated_word":"guide","sentiment":"neutral","sentiment_score":0.3114511966705322},{"word":"you","start":1374.7,"end":1374.94,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.31333744525909424},{"word":"through","start":1374.94,"end":1375.1,"confidence":0.9970703,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.3366963267326355},{"word":"those","start":1375.1,"end":1375.4199,"confidence":0.99121094,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.18455877900123596},{"word":"times","start":1375.4199,"end":1375.82,"confidence":0.84106445,"punctuated_word":"times.","sentiment":"neutral","sentiment_score":0.1891208589076996},{"word":"but","start":1375.82,"end":1376.32,"confidence":0.99121094,"punctuated_word":"But","sentiment":"positive","sentiment_score":0.392441064119339},{"word":"i'm","start":1376.46,"end":1376.62,"confidence":0.95825195,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6230303645133972},{"word":"very","start":1376.62,"end":1376.86,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.6686471104621887},{"word":"positive","start":1376.86,"end":1377.34,"confidence":1.0,"punctuated_word":"positive","sentiment":"positive","sentiment_score":0.6807183027267456},{"word":"and","start":1377.34,"end":1377.5,"confidence":0.99121094,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6909251809120178},{"word":"very","start":1377.5,"end":1377.66,"confidence":0.99902344,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.7544699311256409},{"word":"happy","start":1377.66,"end":1377.98,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.7941758036613464},{"word":"with","start":1377.98,"end":1378.14,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.7920619249343872},{"word":"how","start":1378.14,"end":1378.2999,"confidence":1.0,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.7870154976844788},{"word":"your","start":1378.2999,"end":1378.46,"confidence":0.9453125,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7661546468734741},{"word":"super","start":1378.46,"end":1378.86,"confidence":0.4975586,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.8243229985237122},{"word":"performed","start":1378.86,"end":1379.26,"confidence":0.56396484,"punctuated_word":"performed","sentiment":"positive","sentiment_score":0.7736424803733826},{"word":"for","start":1379.26,"end":1379.4199,"confidence":0.9980469,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7628421187400818},{"word":"the","start":1379.4199,"end":1379.58,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7516754865646362},{"word":"year","start":1379.58,"end":1379.955,"confidence":0.87475586,"punctuated_word":"year.","sentiment":"positive","sentiment_score":0.5914141535758972},{"word":"so","start":1379.955,"end":1380.195,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1991235613822937},{"word":"we'll","start":1380.195,"end":1380.4349,"confidence":0.92529297,"punctuated_word":"we'll,","sentiment":"neutral","sentiment_score":0.16570380330085754},{"word":"you","start":1380.4349,"end":1380.755,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1060420423746109},{"word":"know","start":1380.755,"end":1380.9149,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.10569608211517334},{"word":"try","start":1380.9149,"end":1381.1549,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.15659227967262268},{"word":"to","start":1381.1549,"end":1381.235,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20658212900161743},{"word":"keep","start":1381.235,"end":1381.475,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.21667516231536865},{"word":"it","start":1381.475,"end":1381.635,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3203251361846924},{"word":"on","start":1381.635,"end":1381.7949,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.23681922256946564},{"word":"track","start":1381.7949,"end":1382.115,"confidence":0.9375,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":0.22066602110862732},{"word":"and","start":1382.115,"end":1382.355,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2160033881664276},{"word":"i'll","start":1382.355,"end":1382.515,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.20466667413711548},{"word":"just","start":1382.515,"end":1382.755,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2766767740249634},{"word":"make","start":1382.755,"end":1382.995,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2186489850282669},{"word":"some","start":1382.995,"end":1383.235,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.17733429372310638},{"word":"alterations","start":1383.235,"end":1383.735,"confidence":0.9741211,"punctuated_word":"alterations","sentiment":"neutral","sentiment_score":0.21133922040462497},{"word":"of","start":1383.7949,"end":1383.955,"confidence":0.5019531,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16862039268016815},{"word":"those","start":1383.955,"end":1384.195,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.15746696293354034},{"word":"investments","start":1384.195,"end":1384.695,"confidence":0.75512695,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.1535729169845581},{"word":"and","start":1384.755,"end":1384.835,"confidence":0.9770508,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17047348618507385},{"word":"i'll","start":1384.835,"end":1384.9149,"confidence":0.99609375,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.16877254843711853},{"word":"come","start":1384.9149,"end":1385.075,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.19155597686767575},{"word":"back","start":1385.075,"end":1385.315,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.15852685272693634},{"word":"with","start":1385.315,"end":1385.475,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17888233065605164},{"word":"an","start":1385.475,"end":1385.635,"confidence":0.99609375,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.16185978055000305},{"word":"advice","start":1385.635,"end":1386.0349,"confidence":0.9316406,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.14968015253543854},{"word":"document","start":1386.0349,"end":1386.4349,"confidence":0.9980469,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.1620386838912964},{"word":"that","start":1386.4349,"end":1386.6749,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16839779913425446},{"word":"shows","start":1386.6749,"end":1386.995,"confidence":1.0,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.12894882261753082},{"word":"you","start":1386.995,"end":1387.1549,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1332070678472519},{"word":"what","start":1387.1549,"end":1387.315,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.16290375590324402},{"word":"i'm","start":1387.315,"end":1387.475,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.14175266027450562},{"word":"outlining","start":1387.475,"end":1387.975,"confidence":0.9970703,"punctuated_word":"outlining","sentiment":"neutral","sentiment_score":0.14901497960090637},{"word":"recommendation","start":1388.115,"end":1388.615,"confidence":0.9790039,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.17427349090576172},{"word":"wise","start":1388.9149,"end":1389.4149,"confidence":0.9970703,"punctuated_word":"wise.","sentiment":"neutral","sentiment_score":0.1450132578611374},{"word":"okay","start":1389.475,"end":1389.975,"confidence":0.9794922,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.10904359817504884},{"word":"beautiful","start":1391.635,"end":1392.135,"confidence":0.99902344,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5098555684089661},{"word":"now","start":1393.1699,"end":1393.33,"confidence":0.9741211,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1517548710107803},{"word":"the","start":1393.33,"end":1393.49,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07831193506717682},{"word":"other","start":1393.49,"end":1393.6499,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.08499488979578018},{"word":"thing","start":1393.6499,"end":1393.8899,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.07970227301120758},{"word":"is","start":1393.8899,"end":1393.97,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05573888123035431},{"word":"you","start":1393.97,"end":1394.1299,"confidence":0.9707031,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0706879198551178},{"word":"do","start":1394.1299,"end":1394.37,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05068747699260712},{"word":"also","start":1394.37,"end":1394.61,"confidence":0.984375,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.047234781086444855},{"word":"have","start":1394.61,"end":1394.85,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.044164806604385376},{"word":"insurances","start":1394.85,"end":1395.35,"confidence":0.98583984,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.03970468416810036},{"word":"inside","start":1395.49,"end":1395.97,"confidence":0.9980469,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.038225624710321426},{"word":"your","start":1395.97,"end":1396.1299,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05176768824458122},{"word":"super","start":1396.1299,"end":1396.5299,"confidence":0.82714844,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.09890715777873992},{"word":"fund","start":1396.5299,"end":1396.69,"confidence":0.93408203,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.06858853995800018},{"word":"there","start":1396.69,"end":1396.85,"confidence":0.8984375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.03699936345219612},{"word":"as","start":1396.85,"end":1397.09,"confidence":0.87158203,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.046627968549728394},{"word":"well","start":1397.09,"end":1397.25,"confidence":0.73876953,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.03893306851387024},{"word":"paid","start":1397.25,"end":1397.57,"confidence":0.96435547,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.04087818041443825},{"word":"out","start":1397.57,"end":1397.73,"confidence":0.984375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.05997401475906372},{"word":"of","start":1397.73,"end":1397.8899,"confidence":0.73583984,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0213925801217556},{"word":"super","start":1397.8899,"end":1398.1299,"confidence":0.89208984,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.06645388901233673},{"word":"at","start":1398.1299,"end":1398.2899,"confidence":0.98291016,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02637394890189171},{"word":"the","start":1398.2899,"end":1398.37,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04060646519064903},{"word":"moment","start":1398.37,"end":1398.85,"confidence":0.9797363,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.041328199207782745},{"word":"so","start":1398.85,"end":1399.1699,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.053581736981868744},{"word":"you've","start":1399.1699,"end":1399.4099,"confidence":0.99902344,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.04012201726436615},{"word":"got","start":1399.4099,"end":1399.57,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.029857153072953224},{"word":"your","start":1399.57,"end":1400.07,"confidence":0.9589844,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.042630769312381744},{"word":"life","start":1400.37,"end":1400.61,"confidence":0.6040039,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.05595877021551132},{"word":"and","start":1400.61,"end":1400.85,"confidence":0.77001953,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04523913562297821},{"word":"tbd","start":1400.85,"end":1401.33,"confidence":0.59814453,"punctuated_word":"TBD","sentiment":"neutral","sentiment_score":0.042958132922649384},{"word":"with","start":1401.33,"end":1401.57,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0735919401049614},{"word":"clearview","start":1401.57,"end":1402.07,"confidence":0.82747394,"punctuated_word":"ClearView.","sentiment":"neutral","sentiment_score":0.07708345353603363},{"word":"the","start":1402.9299,"end":1403.09,"confidence":0.9770508,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.02150408551096916},{"word":"current","start":1403.09,"end":1403.59,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.013522639870643616},{"word":"sum","start":1404.1299,"end":1404.45,"confidence":0.703125,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.04111264646053314},{"word":"insured","start":1404.45,"end":1404.85,"confidence":0.9941406,"punctuated_word":"insured","sentiment":"neutral","sentiment_score":0.02102658897638321},{"word":"for","start":1404.85,"end":1405.0099,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.013207292184233664},{"word":"those","start":1405.0099,"end":1405.33,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.018367931246757507},{"word":"is","start":1405.33,"end":1405.57,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.016391858458518982},{"word":"about","start":1405.57,"end":1405.8899,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.022588182240724564},{"word":"861,842","start":1405.8899,"end":1409.295,"confidence":0.9905229,"punctuated_word":"861,842.","sentiment":"neutral","sentiment_score":0.02902042306959629},{"word":"in","start":1409.835,"end":1410.0751,"confidence":0.9970703,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.01190202310681343},{"word":"the","start":1410.0751,"end":1410.155,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0049471259117126465},{"word":"event","start":1410.155,"end":1410.635,"confidence":0.99316406,"punctuated_word":"event","sentiment":"neutral","sentiment_score":-0.028055377304553986},{"word":"of","start":1410.635,"end":1410.795,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.015434782952070236},{"word":"a","start":1410.795,"end":1410.9551,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.019472500309348103},{"word":"life","start":1410.9551,"end":1411.4551,"confidence":0.98095703,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.02756565436720848},{"word":"event","start":1411.595,"end":1412.0751,"confidence":0.7907715,"punctuated_word":"event,","sentiment":"neutral","sentiment_score":-0.0167478546500206},{"word":"so","start":1412.0751,"end":1412.235,"confidence":0.9140625,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0021500401198863983},{"word":"if","start":1412.235,"end":1412.3151,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.012266313657164574},{"word":"you","start":1412.3151,"end":1412.475,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00914212316274643},{"word":"were","start":1412.475,"end":1412.635,"confidence":0.6870117,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.02092934399843216},{"word":"to","start":1412.635,"end":1412.715,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03294810280203819},{"word":"pass","start":1412.715,"end":1412.9551,"confidence":0.9370117,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.053657952696084976},{"word":"away","start":1412.9551,"end":1413.275,"confidence":0.984375,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.016484007239341736},{"word":"prematurely","start":1413.275,"end":1413.775,"confidence":0.99658203,"punctuated_word":"prematurely,","sentiment":"neutral","sentiment_score":-0.023616692051291462},{"word":"your","start":1414.235,"end":1414.475,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0053085461258888245},{"word":"super","start":1414.475,"end":1414.875,"confidence":0.984375,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.08231769502162933},{"word":"is","start":1414.875,"end":1415.035,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01763845980167389},{"word":"paid","start":1415.035,"end":1415.275,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.011022120714187622},{"word":"out","start":1415.275,"end":1415.595,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.04574665427207947},{"word":"as","start":1415.595,"end":1415.755,"confidence":0.9716797,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05440990626811981},{"word":"well","start":1415.755,"end":1415.915,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.061296381056308746},{"word":"as","start":1415.915,"end":1416.0751,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06754596531391144},{"word":"your","start":1416.0751,"end":1416.235,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05109785869717598},{"word":"life","start":1416.235,"end":1416.555,"confidence":0.9248047,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.05877546966075897},{"word":"cover","start":1416.555,"end":1416.795,"confidence":0.95654297,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":0.05417273938655853},{"word":"so","start":1416.795,"end":1417.035,"confidence":0.91381836,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.07281118631362915},{"word":"realistically","start":1417.035,"end":1417.535,"confidence":1.0,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.07355374842882156},{"word":"you've","start":1417.835,"end":1418.0751,"confidence":0.99902344,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.07248952984809875},{"word":"got","start":1418.0751,"end":1418.3151,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.096389077603817},{"word":"that","start":1418.3151,"end":1418.475,"confidence":0.47021484,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09549713879823685},{"word":"extra","start":1418.475,"end":1418.715,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.07294587045907974},{"word":"$113,009.53","start":1418.715,"end":1420.9551,"confidence":0.9974121,"punctuated_word":"$113,009.53","sentiment":"neutral","sentiment_score":0.08476023375988007},{"word":"on","start":1420.9551,"end":1421.115,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1067873314023018},{"word":"top","start":1421.115,"end":1421.355,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.05405861511826515},{"word":"of","start":1421.355,"end":1421.435,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07385729998350143},{"word":"the","start":1421.435,"end":1421.675,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06745743751525879},{"word":"$8.61","start":1421.675,"end":1422.8151,"confidence":0.9987793,"punctuated_word":"$8.61.","sentiment":"neutral","sentiment_score":0.05767044797539711},{"word":"when","start":1422.95,"end":1423.11,"confidence":0.99902344,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.029507139697670937},{"word":"we","start":1423.11,"end":1423.27,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02592378854751587},{"word":"sort","start":1423.27,"end":1423.35,"confidence":0.99609375,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04568258672952652},{"word":"of","start":1423.35,"end":1423.59,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04047426953911781},{"word":"have","start":1423.59,"end":1423.83,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.040748704224824905},{"word":"a","start":1423.83,"end":1423.91,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.049290791153907776},{"word":"look","start":1423.91,"end":1424.15,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.030306469649076465},{"word":"at","start":1424.15,"end":1424.3099,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02943602204322815},{"word":"your","start":1424.3099,"end":1424.63,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03613477200269699},{"word":"assets","start":1424.63,"end":1425.11,"confidence":0.9941406,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.03329634666442871},{"word":"there","start":1425.11,"end":1425.61,"confidence":0.842041,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.058991290628910065},{"word":"having","start":1426.95,"end":1427.27,"confidence":0.9165039,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.09086759388446808},{"word":"a","start":1427.27,"end":1427.35,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06884865462779999},{"word":"look","start":1427.35,"end":1427.75,"confidence":0.6894531,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":-0.008200117386877537},{"word":"so","start":1427.75,"end":1428.07,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01117255911231041},{"word":"with","start":1428.07,"end":1428.3099,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.014012658968567848},{"word":"the","start":1428.3099,"end":1428.47,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.025057366117835045},{"word":"loans","start":1428.47,"end":1428.79,"confidence":0.92822266,"punctuated_word":"loans,","sentiment":"neutral","sentiment_score":0.0126261655241251},{"word":"just","start":1428.79,"end":1429.03,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02351219207048416},{"word":"to","start":1429.03,"end":1429.19,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.017411891371011734},{"word":"confirm","start":1429.19,"end":1429.67,"confidence":0.8000488,"punctuated_word":"confirm,","sentiment":"neutral","sentiment_score":0.02423459105193615},{"word":"and","start":1429.67,"end":1429.83,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.024428430944681168},{"word":"let","start":1429.83,"end":1429.99,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.026325400918722153},{"word":"me","start":1429.99,"end":1430.15,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.025717996060848236},{"word":"know","start":1430.15,"end":1430.23,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.0389486700296402},{"word":"if","start":1430.23,"end":1430.39,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.022796135395765305},{"word":"there's","start":1430.39,"end":1430.55,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.016115713864564896},{"word":"any","start":1430.55,"end":1430.79,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.021139299497008324},{"word":"changes","start":1430.79,"end":1431.27,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.0037692561745643616},{"word":"here","start":1431.27,"end":1431.77,"confidence":0.83447266,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.006101761013269424},{"word":"but","start":1431.83,"end":1432.07,"confidence":0.9536133,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.008596567437052727},{"word":"your","start":1432.07,"end":1432.3099,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.003672828897833824},{"word":"main","start":1432.3099,"end":1432.55,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.0021913982927799225},{"word":"primary","start":1432.55,"end":1433.05,"confidence":1.0,"punctuated_word":"primary","sentiment":"neutral","sentiment_score":-0.004339851438999176},{"word":"residence","start":1433.11,"end":1433.61,"confidence":0.9248047,"punctuated_word":"residence","sentiment":"neutral","sentiment_score":0.000064801424741745},{"word":"there","start":1433.67,"end":1433.91,"confidence":0.9526367,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.006312512792646885},{"word":"i","start":1433.91,"end":1434.07,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.00963297113776207},{"word":"have","start":1434.07,"end":1434.3099,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02357560396194458},{"word":"it","start":1434.3099,"end":1434.47,"confidence":0.5419922,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01584416814148426},{"word":"down","start":1434.47,"end":1434.63,"confidence":0.9941406,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.02254109643399715},{"word":"here","start":1434.63,"end":1434.79,"confidence":0.98291016,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.025104526430368423},{"word":"that","start":1434.79,"end":1434.95,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.019587574526667595},{"word":"you're","start":1434.95,"end":1435.19,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.0019237108062952757},{"word":"owing","start":1435.19,"end":1435.43,"confidence":1.0,"punctuated_word":"owing","sentiment":"neutral","sentiment_score":-0.0047943806275725365},{"word":"about","start":1435.43,"end":1435.725,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.0017113778740167618},{"word":"540,000","start":1435.8049,"end":1437.325,"confidence":0.9989258,"punctuated_word":"540,000.","sentiment":"neutral","sentiment_score":-0.006219158880412579},{"word":"is","start":1437.325,"end":1437.565,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.002645242959260941},{"word":"that","start":1437.565,"end":1437.725,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.019373055547475815},{"word":"fairly","start":1437.725,"end":1438.0449,"confidence":0.8540039,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.007284771651029587},{"word":"accurate","start":1438.0449,"end":1438.525,"confidence":0.86694336,"punctuated_word":"accurate,","sentiment":"neutral","sentiment_score":-0.0008351914584636688},{"word":"or","start":1438.525,"end":1439.025,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.018099218606948853},{"word":"would","start":1439.085,"end":1439.245,"confidence":0.78564453,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.002756945788860321},{"word":"that","start":1439.245,"end":1439.485,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.002792295068502426},{"word":"change","start":1439.485,"end":1439.985,"confidence":0.98535156,"punctuated_word":"change?","sentiment":"neutral","sentiment_score":-0.0009653568267822266},{"word":"that's","start":1442.525,"end":1442.845,"confidence":0.86035156,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07736946642398834},{"word":"okay","start":1442.845,"end":1443.345,"confidence":0.98999023,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.09431133419275284},{"word":"yep","start":1448.3,"end":1448.8,"confidence":0.8466797,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03678935021162033},{"word":"i","start":1452.3,"end":1452.46,"confidence":0.8232422,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01860300451517105},{"word":"had","start":1452.46,"end":1452.94,"confidence":0.8125,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.01375341136008501},{"word":"a","start":1452.94,"end":1453.1,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.003948856145143509},{"word":"loan","start":1453.1,"end":1453.42,"confidence":0.99316406,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.0041654277592897415},{"word":"of","start":1453.42,"end":1453.58,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.012591958045959473},{"word":"540,000","start":1453.58,"end":1455.12,"confidence":0.99853516,"punctuated_word":"540,000.","sentiment":"neutral","sentiment_score":-0.010633619502186775},{"word":"that's","start":1460.3,"end":1460.8,"confidence":0.92944336,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.001865060767158866},{"word":"timberlane","start":1460.94,"end":1461.44,"confidence":0.85042316,"punctuated_word":"Timberlane.","sentiment":"neutral","sentiment_score":-0.0007402891060337424},{"word":"oh","start":1468.485,"end":1468.965,"confidence":0.9851074,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.5633301734924316},{"word":"fantastic","start":1468.965,"end":1469.465,"confidence":0.99853516,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.6682102680206299},{"word":"that's","start":1469.605,"end":1469.845,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.6349007487297058},{"word":"a","start":1469.845,"end":1469.9249,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6750761270523071},{"word":"really","start":1469.9249,"end":1470.165,"confidence":0.9980469,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6852073669433594},{"word":"good","start":1470.165,"end":1470.405,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6385529637336731},{"word":"joke","start":1470.405,"end":1470.8049,"confidence":0.8449707,"punctuated_word":"joke.","sentiment":"positive","sentiment_score":0.5004054307937622},{"word":"excellent","start":1470.8049,"end":1471.3049,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5136573314666748},{"word":"alright","start":1475.94,"end":1476.44,"confidence":0.9921875,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.0439494326710701},{"word":"i've","start":1478.42,"end":1478.66,"confidence":0.8647461,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04505841061472893},{"word":"also","start":1478.66,"end":1478.98,"confidence":0.97802734,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.04439786821603775},{"word":"got","start":1478.98,"end":1479.22,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.058834001421928406},{"word":"the","start":1479.22,"end":1479.38,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04465406388044357},{"word":"investment","start":1479.38,"end":1479.88,"confidence":0.9921875,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.0267875287681818},{"word":"property","start":1479.94,"end":1480.42,"confidence":0.6870117,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.026775630190968513},{"word":"for","start":1480.42,"end":1480.66,"confidence":0.49609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.030155818909406665},{"word":"estuary","start":1480.66,"end":1481.16,"confidence":0.9142253,"punctuated_word":"Estuary,","sentiment":"neutral","sentiment_score":0.03475653752684593},{"word":"and","start":1481.38,"end":1481.54,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04050762951374054},{"word":"that","start":1481.54,"end":1481.7,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.035255491733551025},{"word":"one","start":1481.7,"end":1482.02,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.024678805842995644},{"word":"there","start":1482.02,"end":1482.5,"confidence":0.9633789,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.02791209891438484},{"word":"had","start":1482.5,"end":1482.74,"confidence":0.9921875,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.02939397096633911},{"word":"a","start":1482.74,"end":1482.98,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03286014497280121},{"word":"loan","start":1482.98,"end":1483.3,"confidence":0.9980469,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.02690335363149643},{"word":"of","start":1483.3,"end":1483.54,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.026902807876467705},{"word":"560,000","start":1483.54,"end":1485.16,"confidence":0.99853516,"punctuated_word":"560,000.","sentiment":"neutral","sentiment_score":0.02318708598613739},{"word":"yep","start":1493.475,"end":1493.975,"confidence":0.95654297,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.001946207135915756},{"word":"absolutely","start":1496.515,"end":1497.015,"confidence":0.99902344,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.1276346743106842},{"word":"$6.60","start":1501.41,"end":1502.2101,"confidence":0.97875977,"punctuated_word":"$6.60.","sentiment":"neutral","sentiment_score":0.08396837115287781},{"word":"beautiful","start":1502.2101,"end":1502.7101,"confidence":0.99853516,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4201813936233521},{"word":"and","start":1502.85,"end":1503.0901,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1471431851387024},{"word":"then","start":1503.0901,"end":1503.41,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.11339231580495834},{"word":"the","start":1503.41,"end":1503.5701,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.061152175068855286},{"word":"other","start":1503.5701,"end":1503.81,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.0406864657998085},{"word":"one","start":1503.81,"end":1504.05,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.02304971031844616},{"word":"i","start":1504.05,"end":1504.13,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03524056077003479},{"word":"had","start":1504.13,"end":1504.4501,"confidence":0.95947266,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.04098297655582428},{"word":"here","start":1504.4501,"end":1504.77,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.04267800971865654},{"word":"is","start":1504.77,"end":1505.25,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03920435160398483},{"word":"a","start":1505.25,"end":1505.41,"confidence":0.96875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07169017195701599},{"word":"carasa","start":1505.41,"end":1505.89,"confidence":0.60176593,"punctuated_word":"Carasa,","sentiment":"neutral","sentiment_score":0.05953634902834892},{"word":"and","start":1505.89,"end":1506.05,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04842248931527138},{"word":"it","start":1506.05,"end":1506.2101,"confidence":0.79296875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07662811875343323},{"word":"was","start":1506.2101,"end":1506.4501,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.05869123339653015},{"word":"$518,005.30","start":1506.4501,"end":1514.7451,"confidence":0.86890256,"punctuated_word":"$518,005.30.","sentiment":"neutral","sentiment_score":0.042985305190086365},{"word":"then","start":1514.7451,"end":1515.185,"confidence":0.33129883,"punctuated_word":"Then","sentiment":"neutral","sentiment_score":0.062260229140520096},{"word":"heck","start":1515.985,"end":1516.485,"confidence":0.70336914,"punctuated_word":"heck.","sentiment":"neutral","sentiment_score":0.0942803919315338},{"word":"excellent","start":1516.7051,"end":1517.2051,"confidence":0.9995117,"punctuated_word":"Excellent.","sentiment":"neutral","sentiment_score":0.2549927532672882},{"word":"so","start":1517.505,"end":1518.005,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05483941361308098},{"word":"looking","start":1518.0651,"end":1518.4651,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.05315457284450531},{"word":"at","start":1518.4651,"end":1518.625,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07356588542461395},{"word":"the","start":1518.625,"end":1518.7051,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0717710331082344},{"word":"way","start":1518.7051,"end":1518.9451,"confidence":0.9980469,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.08851491659879684},{"word":"and","start":1518.9451,"end":1519.1051,"confidence":0.94970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05546483397483826},{"word":"what","start":1519.1051,"end":1519.3451,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.024373501539230347},{"word":"you","start":1519.3451,"end":1519.505,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0246480256319046},{"word":"wanted","start":1519.505,"end":1519.8251,"confidence":0.9980469,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.009883247315883636},{"word":"your","start":1519.8251,"end":1519.985,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03341289237141609},{"word":"life","start":1519.985,"end":1520.2251,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.008584782481193542},{"word":"cover","start":1520.2251,"end":1520.4651,"confidence":0.9951172,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.042736392468214035},{"word":"to","start":1520.4651,"end":1520.545,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.038465466350317},{"word":"pay","start":1520.545,"end":1520.7051,"confidence":0.94384766,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.045159753412008286},{"word":"out","start":1520.7051,"end":1520.865,"confidence":0.8317871,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.05552545189857483},{"word":"so","start":1520.865,"end":1521.025,"confidence":0.98828125,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.06666313111782074},{"word":"with","start":1521.025,"end":1521.185,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0776226669549942},{"word":"your","start":1521.185,"end":1521.425,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06963017582893372},{"word":"goal","start":1521.425,"end":1521.665,"confidence":0.9873047,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.05601935461163521},{"word":"with","start":1521.665,"end":1521.8251,"confidence":0.8540039,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10134439915418623},{"word":"your","start":1521.8251,"end":1521.985,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0890764594078064},{"word":"life","start":1521.985,"end":1522.305,"confidence":0.99902344,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.04991789162158966},{"word":"insurance","start":1522.305,"end":1522.805,"confidence":0.98950195,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.05680183321237564},{"word":"if","start":1523.28,"end":1523.4401,"confidence":0.96875,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03312041983008385},{"word":"you","start":1523.4401,"end":1523.6001,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016967684030532837},{"word":"were","start":1523.6001,"end":1523.92,"confidence":0.98828125,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.0658431425690651},{"word":"to","start":1523.92,"end":1524.0,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06857992708683014},{"word":"pass","start":1524.0,"end":1524.24,"confidence":0.99316406,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.12638187408447266},{"word":"away","start":1524.24,"end":1524.7201,"confidence":0.9892578,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.0926394835114479},{"word":"prematurely","start":1524.7201,"end":1525.2201,"confidence":0.9975586,"punctuated_word":"prematurely,","sentiment":"neutral","sentiment_score":-0.07913526147603989},{"word":"are","start":1525.4401,"end":1525.68,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.042775556445121765},{"word":"you","start":1525.68,"end":1525.8401,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.028520621359348297},{"word":"wanting","start":1525.8401,"end":1526.0801,"confidence":0.99902344,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.035762932151556015},{"word":"to","start":1526.0801,"end":1526.24,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.030945364385843277},{"word":"just","start":1526.24,"end":1526.48,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.018460825085639954},{"word":"have","start":1526.48,"end":1526.7201,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.011427409946918488},{"word":"your","start":1526.7201,"end":1526.88,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.023789342492818832},{"word":"main","start":1526.88,"end":1527.12,"confidence":0.99902344,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.02435852587223053},{"word":"primary","start":1527.12,"end":1527.62,"confidence":0.9951172,"punctuated_word":"primary","sentiment":"neutral","sentiment_score":-0.02096801251173019},{"word":"residence","start":1527.68,"end":1528.16,"confidence":0.9707031,"punctuated_word":"residence","sentiment":"neutral","sentiment_score":-0.012500151991844176},{"word":"covered","start":1528.16,"end":1528.56,"confidence":0.9970703,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":0.008684031665325165},{"word":"and","start":1528.56,"end":1528.7201,"confidence":0.90527344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0009722448885440826},{"word":"then","start":1528.7201,"end":1529.12,"confidence":0.9951172,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.014194263145327568},{"word":"you","start":1529.12,"end":1529.28,"confidence":0.97314453,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0006256960332393646},{"word":"know","start":1529.28,"end":1529.52,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.003409840166568756},{"word":"allow","start":1529.52,"end":1529.8401,"confidence":1.0,"punctuated_word":"allow","sentiment":"neutral","sentiment_score":-0.009032078087329865},{"word":"your","start":1529.8401,"end":1530.0801,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.006857529282569885},{"word":"partner","start":1530.0801,"end":1530.48,"confidence":0.7060547,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":0.01992984116077423},{"word":"to","start":1530.48,"end":1530.64,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.011335372924804688},{"word":"sell","start":1530.64,"end":1530.9601,"confidence":0.9970703,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.011738955974578856},{"word":"the","start":1530.9601,"end":1531.12,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004267357289791107},{"word":"investment","start":1531.12,"end":1531.52,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.008731506764888763},{"word":"properties","start":1531.52,"end":1531.92,"confidence":0.8408203,"punctuated_word":"properties","sentiment":"neutral","sentiment_score":0.006307680159807205},{"word":"or","start":1531.92,"end":1532.16,"confidence":0.9580078,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.008727256208658218},{"word":"keep","start":1532.16,"end":1532.3201,"confidence":0.98291016,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.011435430496931076},{"word":"them","start":1532.3201,"end":1532.48,"confidence":0.97998047,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.02039311081171036},{"word":"depending","start":1532.48,"end":1532.88,"confidence":0.9951172,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":0.011861074715852736},{"word":"on","start":1532.88,"end":1532.9601,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.014459405094385149},{"word":"what","start":1532.9601,"end":1533.2001,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0069097913801670074},{"word":"he","start":1533.2001,"end":1533.36,"confidence":0.9970703,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.0007757321000099182},{"word":"chooses","start":1533.36,"end":1533.8401,"confidence":0.8222656,"punctuated_word":"chooses,","sentiment":"neutral","sentiment_score":-0.011772002093493938},{"word":"or","start":1533.8401,"end":1534.0,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.021105816587805748},{"word":"are","start":1534.0,"end":1534.0801,"confidence":0.87597656,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.018200457096099857},{"word":"you","start":1534.0801,"end":1534.24,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01196281611919403},{"word":"kinda","start":1534.24,"end":1534.56,"confidence":0.62060547,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.007357964292168617},{"word":"wanting","start":1534.56,"end":1534.88,"confidence":0.99902344,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.00653751939535141},{"word":"to","start":1534.88,"end":1535.38,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.021112553775310516},{"word":"cover","start":1535.4401,"end":1535.9401,"confidence":0.984375,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.019985321909189224},{"word":"all","start":1536.16,"end":1536.3201,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.00021818280220031736},{"word":"the","start":1536.3201,"end":1536.48,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.007428541779518128},{"word":"loans","start":1536.48,"end":1536.7201,"confidence":0.88061523,"punctuated_word":"loans?","sentiment":"neutral","sentiment_score":-0.009615398943424225},{"word":"what","start":1536.7201,"end":1536.88,"confidence":0.9980469,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.007416561245918274},{"word":"would","start":1536.88,"end":1537.12,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.016267184168100357},{"word":"your","start":1537.12,"end":1537.28,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.005942851305007935},{"word":"goal","start":1537.28,"end":1537.6001,"confidence":0.9941406,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":-0.01020912453532219},{"word":"be","start":1537.6001,"end":1537.76,"confidence":0.9902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.024636156857013702},{"word":"with","start":1537.76,"end":1538.26,"confidence":0.6604004,"punctuated_word":"with?","sentiment":"neutral","sentiment_score":-0.02197557687759399},{"word":"no","start":1540.415,"end":1540.915,"confidence":0.93652344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10744105279445648},{"word":"yep","start":1541.855,"end":1542.355,"confidence":0.9279785,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.015256568789482117},{"word":"that's","start":1542.655,"end":1543.055,"confidence":0.99365234,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.03470392897725105},{"word":"okay","start":1543.055,"end":1543.375,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.033777497708797455},{"word":"so","start":1543.375,"end":1543.615,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.018928885459899902},{"word":"with","start":1543.615,"end":1543.855,"confidence":0.88720703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.013594243675470352},{"word":"the","start":1543.855,"end":1544.015,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.021346023306250572},{"word":"current","start":1544.015,"end":1544.3351,"confidence":0.9970703,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.014095503836870192},{"word":"cover","start":1544.3351,"end":1544.5751,"confidence":0.9921875,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.017277684062719345},{"word":"you","start":1544.5751,"end":1544.735,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.019900141283869743},{"word":"have","start":1544.735,"end":1544.9751,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02082187496125698},{"word":"at","start":1544.9751,"end":1545.055,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.012711629271507263},{"word":"the","start":1545.055,"end":1545.2151,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02097451128065586},{"word":"moment","start":1545.2151,"end":1545.7151,"confidence":0.98291016,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.01824371889233589},{"word":"that","start":1545.855,"end":1546.015,"confidence":0.7836914,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.021634504199028015},{"word":"would","start":1546.015,"end":1546.175,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.024454638361930847},{"word":"obviously","start":1546.175,"end":1546.655,"confidence":0.984375,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.03427481651306152},{"word":"pay","start":1546.655,"end":1546.8151,"confidence":0.984375,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.021906642243266106},{"word":"off","start":1546.8151,"end":1546.9751,"confidence":0.9980469,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.010984095744788648},{"word":"the","start":1546.9751,"end":1547.135,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.030183209106326103},{"word":"main","start":1547.135,"end":1547.375,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.02213430404663086},{"word":"primary","start":1547.375,"end":1547.855,"confidence":0.99902344,"punctuated_word":"primary","sentiment":"neutral","sentiment_score":0.010842666029930116},{"word":"residence","start":1547.855,"end":1548.3351,"confidence":0.87841797,"punctuated_word":"residence","sentiment":"neutral","sentiment_score":0.006955448538064957},{"word":"there","start":1548.3351,"end":1548.5751,"confidence":0.96972656,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.023832447826862335},{"word":"to","start":1548.5751,"end":1548.735,"confidence":0.43920898,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02719748206436634},{"word":"cover","start":1548.735,"end":1549.055,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.02316943556070328},{"word":"the","start":1549.055,"end":1549.135,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.030929498374462128},{"word":"400,000","start":1549.135,"end":1550.175,"confidence":0.9996745,"punctuated_word":"400,000","sentiment":"neutral","sentiment_score":0.022522177547216415},{"word":"owing","start":1550.175,"end":1550.675,"confidence":0.87060547,"punctuated_word":"owing.","sentiment":"neutral","sentiment_score":0.0164464320987463},{"word":"and","start":1551.21,"end":1551.45,"confidence":0.98291016,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02892745286226273},{"word":"then","start":1551.45,"end":1551.95,"confidence":0.99658203,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.03405172377824783},{"word":"you","start":1552.01,"end":1552.1699,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.029558971524238583},{"word":"know","start":1552.1699,"end":1552.41,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.034840792417526245},{"word":"you","start":1552.41,"end":1552.57,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05087244510650635},{"word":"would","start":1552.57,"end":1552.8099,"confidence":0.9790039,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.04837691783905029},{"word":"have","start":1552.8099,"end":1552.97,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.052085429430007935},{"word":"that","start":1552.97,"end":1553.21,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.055069662630558014},{"word":"extra","start":1553.21,"end":1553.71,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.04027862101793289},{"word":"buffer","start":1553.77,"end":1554.1699,"confidence":0.9892578,"punctuated_word":"buffer","sentiment":"neutral","sentiment_score":0.03224197030067444},{"word":"which","start":1554.1699,"end":1554.41,"confidence":0.6010742,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.06571975350379944},{"word":"he","start":1554.41,"end":1554.57,"confidence":0.9526367,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.05435785278677941},{"word":"could","start":1554.57,"end":1554.73,"confidence":0.99121094,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.04464787244796753},{"word":"either","start":1554.73,"end":1554.97,"confidence":0.9921875,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.046361878514289856},{"word":"put","start":1554.97,"end":1555.13,"confidence":0.9980469,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.03954364359378815},{"word":"on","start":1555.13,"end":1555.29,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.041365571320056915},{"word":"the","start":1555.29,"end":1555.45,"confidence":0.9633789,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.034810829907655716},{"word":"loans","start":1555.45,"end":1555.85,"confidence":0.984375,"punctuated_word":"loans","sentiment":"neutral","sentiment_score":0.014970270916819572},{"word":"or","start":1555.85,"end":1556.35,"confidence":0.98291016,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.013899741694331167},{"word":"use","start":1556.57,"end":1556.89,"confidence":0.84228516,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.03806683421134949},{"word":"to","start":1556.89,"end":1556.97,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03940979391336441},{"word":"take","start":1556.97,"end":1557.21,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.0310753770172596},{"word":"some","start":1557.21,"end":1557.53,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.034181512892246246},{"word":"time","start":1557.53,"end":1557.85,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.029394036158919334},{"word":"off","start":1557.85,"end":1558.09,"confidence":0.9980469,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.021047396585345268},{"word":"to","start":1558.09,"end":1558.33,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.030877428129315376},{"word":"allow","start":1558.33,"end":1558.73,"confidence":0.98168945,"punctuated_word":"allow,","sentiment":"neutral","sentiment_score":0.042937345802783966},{"word":"you","start":1558.73,"end":1558.89,"confidence":0.98095703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03240427374839783},{"word":"know","start":1558.89,"end":1559.13,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.040226589888334274},{"word":"bereavement","start":1559.13,"end":1559.63,"confidence":0.85058594,"punctuated_word":"bereavement,","sentiment":"neutral","sentiment_score":0.013140675611793997},{"word":"work","start":1559.77,"end":1560.01,"confidence":0.9370117,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.026332704350352287},{"word":"out","start":1560.01,"end":1560.1699,"confidence":0.9526367,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.056130602955818176},{"word":"what","start":1560.1699,"end":1560.33,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03615446761250496},{"word":"he","start":1560.33,"end":1560.49,"confidence":1.0,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.031106479465961456},{"word":"wants","start":1560.49,"end":1560.8099,"confidence":0.99902344,"punctuated_word":"wants","sentiment":"neutral","sentiment_score":0.01829925552010536},{"word":"to","start":1560.8099,"end":1560.89,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.018886342644691467},{"word":"do","start":1560.89,"end":1561.39,"confidence":0.90771484,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.017494384199380875},{"word":"you","start":1561.61,"end":1561.77,"confidence":0.9741211,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01781093142926693},{"word":"know","start":1561.77,"end":1562.25,"confidence":0.9946289,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.017954885959625244},{"word":"get","start":1562.25,"end":1562.41,"confidence":0.8491211,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.018497532233595848},{"word":"whether","start":1562.49,"end":1562.73,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.0154802817851305},{"word":"he","start":1562.73,"end":1562.89,"confidence":0.99902344,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.02141525223851204},{"word":"wants","start":1562.89,"end":1563.13,"confidence":0.99902344,"punctuated_word":"wants","sentiment":"neutral","sentiment_score":0.009140845388174055},{"word":"to","start":1563.13,"end":1563.2676,"confidence":0.9433594,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.01173487026244402},{"word":"you","start":1563.2676,"end":1563.405,"confidence":0.51171875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01410297490656376},{"word":"know","start":1563.485,"end":1563.645,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.004686929285526276},{"word":"not","start":1563.645,"end":1563.885,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.014082025736570358},{"word":"work","start":1563.885,"end":1564.045,"confidence":0.9970703,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.036766164004802704},{"word":"for","start":1564.045,"end":1564.2051,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.046792272478342056},{"word":"a","start":1564.2051,"end":1564.285,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.033966269344091415},{"word":"couple","start":1564.285,"end":1564.4451,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.047139570116996765},{"word":"of","start":1564.4451,"end":1564.525,"confidence":0.78125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03653644025325775},{"word":"years","start":1564.525,"end":1564.845,"confidence":0.9812012,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.03439781442284584},{"word":"take","start":1564.845,"end":1565.005,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.02060520648956299},{"word":"care","start":1565.005,"end":1565.165,"confidence":1.0,"punctuated_word":"care","sentiment":"neutral","sentiment_score":-0.00414314866065979},{"word":"of","start":1565.165,"end":1565.3251,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.005281578749418259},{"word":"the","start":1565.3251,"end":1565.405,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0031600743532180786},{"word":"kids","start":1565.405,"end":1565.725,"confidence":0.98657227,"punctuated_word":"kids,","sentiment":"neutral","sentiment_score":-0.0016566719859838486},{"word":"consider","start":1565.725,"end":1566.225,"confidence":0.9951172,"punctuated_word":"consider,","sentiment":"neutral","sentiment_score":0.0025092680007219315},{"word":"you","start":1566.365,"end":1566.525,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.012353766709566116},{"word":"know","start":1566.525,"end":1566.765,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.015658829361200333},{"word":"childcare","start":1566.765,"end":1567.265,"confidence":0.6225586,"punctuated_word":"childcare","sentiment":"neutral","sentiment_score":-0.022045254707336422},{"word":"aspects","start":1567.405,"end":1567.885,"confidence":0.9020996,"punctuated_word":"aspects.","sentiment":"neutral","sentiment_score":-0.01492113247513771},{"word":"so","start":1567.885,"end":1568.2051,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.004464734345674515},{"word":"are","start":1568.2051,"end":1568.285,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.005149930715560913},{"word":"you","start":1568.285,"end":1568.4451,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02053678035736084},{"word":"fairly","start":1568.4451,"end":1568.845,"confidence":0.9892578,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.02510036528110504},{"word":"comfortable","start":1568.845,"end":1569.245,"confidence":0.9980469,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.005548171699047089},{"word":"with","start":1569.245,"end":1569.3251,"confidence":0.98535156,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.038339924067258835},{"word":"the","start":1569.3251,"end":1569.485,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04298841953277588},{"word":"life","start":1569.485,"end":1569.805,"confidence":0.5336914,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.009542956948280334},{"word":"sorry","start":1570.125,"end":1570.4451,"confidence":0.6074219,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":0.020439155399799347},{"word":"life","start":1570.4451,"end":1570.685,"confidence":0.93603516,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.005214475095272064},{"word":"cover","start":1570.685,"end":1570.925,"confidence":0.9970703,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.056641001254320145},{"word":"that","start":1570.925,"end":1571.005,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.046735458076000214},{"word":"you","start":1571.005,"end":1571.165,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0024679135531187057},{"word":"have","start":1571.165,"end":1571.3251,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.009608684107661247},{"word":"at","start":1571.3251,"end":1571.485,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.001333700492978096},{"word":"the","start":1571.485,"end":1571.645,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011283913627266884},{"word":"moment","start":1571.645,"end":1572.045,"confidence":0.99365234,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.025342890992760655},{"word":"yep","start":1572.045,"end":1572.545,"confidence":0.8742676,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11824935674667358},{"word":"beautiful","start":1573.485,"end":1573.985,"confidence":0.6536865,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6132553815841675},{"word":"beautiful","start":1575.3251,"end":1575.69,"confidence":0.7602539,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5117883682250977},{"word":"now","start":1575.85,"end":1576.09,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.235075443983078},{"word":"with","start":1576.09,"end":1576.33,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13141553103923798},{"word":"tbd","start":1576.33,"end":1576.83,"confidence":0.9848633,"punctuated_word":"TBD,","sentiment":"neutral","sentiment_score":0.07869978249073029},{"word":"total","start":1577.37,"end":1577.7699,"confidence":0.6328125,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.13565769791603088},{"word":"permanent","start":1577.7699,"end":1578.1699,"confidence":0.65771484,"punctuated_word":"permanent","sentiment":"neutral","sentiment_score":0.08167006075382233},{"word":"disability","start":1578.1699,"end":1578.6499,"confidence":1.0,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":0.07406508177518845},{"word":"is","start":1578.6499,"end":1578.73,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07946652173995972},{"word":"paid","start":1578.73,"end":1578.97,"confidence":0.99902344,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.07481738179922104},{"word":"out","start":1578.97,"end":1579.1299,"confidence":0.98828125,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.12049899995326996},{"word":"in","start":1579.1299,"end":1579.21,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0995706170797348},{"word":"the","start":1579.21,"end":1579.37,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10550130158662796},{"word":"event","start":1579.37,"end":1579.61,"confidence":0.99902344,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.15058249235153198},{"word":"that","start":1579.61,"end":1579.69,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0970190167427063},{"word":"you're","start":1579.69,"end":1579.9299,"confidence":0.9875488,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.11010949313640594},{"word":"never","start":1579.9299,"end":1580.25,"confidence":1.0,"punctuated_word":"never","sentiment":"neutral","sentiment_score":0.07324370741844177},{"word":"able","start":1580.25,"end":1580.49,"confidence":0.99902344,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.09768453240394592},{"word":"to","start":1580.49,"end":1580.57,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10102885961532591},{"word":"go","start":1580.57,"end":1580.8099,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.082061268389225},{"word":"back","start":1580.8099,"end":1580.97,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.14497056603431702},{"word":"to","start":1580.97,"end":1581.0499,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10664334148168564},{"word":"work","start":1581.0499,"end":1581.45,"confidence":0.99902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.07424664497375488},{"word":"again","start":1581.45,"end":1581.7699,"confidence":0.9995117,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.09988147765398026},{"word":"so","start":1581.7699,"end":1582.0099,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.023068059235811234},{"word":"with","start":1582.0099,"end":1582.25,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.02773319184780121},{"word":"tbd","start":1582.25,"end":1582.75,"confidence":0.99365234,"punctuated_word":"TBD,","sentiment":"neutral","sentiment_score":0.0297858864068985},{"word":"i","start":1583.37,"end":1583.5299,"confidence":0.9604492,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01961003616452217},{"word":"just","start":1583.5299,"end":1583.7699,"confidence":0.63623047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.019905731081962585},{"word":"like","start":1583.7699,"end":1583.9299,"confidence":0.95410156,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.006778795272111893},{"word":"to","start":1583.9299,"end":1584.0099,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.017442718148231506},{"word":"clarify","start":1584.0099,"end":1584.4099,"confidence":1.0,"punctuated_word":"clarify","sentiment":"neutral","sentiment_score":0.00994432345032692},{"word":"because","start":1584.4099,"end":1584.73,"confidence":0.7133789,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0009317845106124878},{"word":"not","start":1584.73,"end":1584.8899,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.01744936779141426},{"word":"everyone","start":1584.8899,"end":1585.2899,"confidence":1.0,"punctuated_word":"everyone","sentiment":"neutral","sentiment_score":-0.025660919025540352},{"word":"is","start":1585.2899,"end":1585.45,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.02646823413670063},{"word":"aware","start":1585.45,"end":1585.85,"confidence":0.82299805,"punctuated_word":"aware.","sentiment":"neutral","sentiment_score":-0.04194481670856476},{"word":"unfortunately","start":1585.85,"end":1586.35,"confidence":0.99902344,"punctuated_word":"Unfortunately,","sentiment":"neutral","sentiment_score":-0.07376871258020401},{"word":"it","start":1586.4099,"end":1586.49,"confidence":0.9921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07438239455223083},{"word":"is","start":1586.49,"end":1586.6499,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06614740937948227},{"word":"also","start":1586.6499,"end":1586.97,"confidence":0.9970703,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.07324609905481339},{"word":"a","start":1586.97,"end":1587.1299,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07388260960578918},{"word":"taxable","start":1587.1299,"end":1587.6299,"confidence":1.0,"punctuated_word":"taxable","sentiment":"neutral","sentiment_score":-0.08191082626581192},{"word":"payment","start":1587.69,"end":1588.0099,"confidence":0.986084,"punctuated_word":"payment.","sentiment":"neutral","sentiment_score":-0.08934687077999115},{"word":"so","start":1588.0099,"end":1588.1699,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.026914507150650024},{"word":"if","start":1588.1699,"end":1588.33,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.016494184732437134},{"word":"you","start":1588.33,"end":1588.49,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.010754667222499847},{"word":"were","start":1588.49,"end":1588.6499,"confidence":0.95947266,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.014713186770677568},{"word":"to","start":1588.6499,"end":1588.8099,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.014039194211363792},{"word":"claim","start":1588.8099,"end":1589.21,"confidence":0.99902344,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.01721576228737831},{"word":"tbd","start":1589.21,"end":1589.71,"confidence":0.99658203,"punctuated_word":"TBD,","sentiment":"neutral","sentiment_score":0.01134021393954754},{"word":"you","start":1590.585,"end":1591.085,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.020733367651700977},{"word":"can","start":1591.385,"end":1591.625,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.016037851572036743},{"word":"pay","start":1591.625,"end":1591.945,"confidence":0.86621094,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.01850251853466034},{"word":"tax","start":1591.945,"end":1592.265,"confidence":0.6899414,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.005019143223762512},{"word":"of","start":1592.265,"end":1592.505,"confidence":0.8720703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.006182882934808731},{"word":"up","start":1592.505,"end":1592.665,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.00022662431001663208},{"word":"to","start":1592.665,"end":1592.825,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.004382532089948654},{"word":"22%","start":1592.825,"end":1593.705,"confidence":0.99869794,"punctuated_word":"22%","sentiment":"neutral","sentiment_score":0.001235753297805786},{"word":"depending","start":1593.705,"end":1594.105,"confidence":0.96875,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":0.007194183766841888},{"word":"on","start":1594.105,"end":1594.605,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.00211203470826149},{"word":"how","start":1594.665,"end":1594.825,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.003298532217741013},{"word":"you","start":1594.825,"end":1594.985,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01228010468184948},{"word":"take","start":1594.985,"end":1595.225,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.0016780383884906769},{"word":"the","start":1595.225,"end":1595.385,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004235666245222092},{"word":"funds","start":1595.385,"end":1595.885,"confidence":0.9890137,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":0.0026607178151607513},{"word":"we","start":1596.025,"end":1596.265,"confidence":0.78759766,"punctuated_word":"We,","sentiment":"neutral","sentiment_score":0.03895045816898346},{"word":"as","start":1596.265,"end":1596.505,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04370381683111191},{"word":"advisers","start":1596.505,"end":1596.985,"confidence":0.94189453,"punctuated_word":"advisers,","sentiment":"neutral","sentiment_score":0.060805901885032654},{"word":"if","start":1596.985,"end":1597.225,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0835626870393753},{"word":"you","start":1597.225,"end":1597.385,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.051423199474811554},{"word":"ever","start":1597.385,"end":1597.625,"confidence":1.0,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.06878814846277237},{"word":"had","start":1597.625,"end":1597.785,"confidence":0.99609375,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.031053315848112103},{"word":"to","start":1597.785,"end":1597.945,"confidence":0.6245117,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.052418991923332214},{"word":"claim","start":1597.945,"end":1598.345,"confidence":0.99609375,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.02822398766875267},{"word":"tbd","start":1598.345,"end":1598.825,"confidence":0.5213623,"punctuated_word":"TBD,","sentiment":"neutral","sentiment_score":0.052609991282224655},{"word":"would","start":1598.825,"end":1599.065,"confidence":0.66503906,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0761088877916336},{"word":"help","start":1599.065,"end":1599.3049,"confidence":0.9970703,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.09432780742645264},{"word":"you","start":1599.3049,"end":1599.465,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.051171910017728806},{"word":"to","start":1599.465,"end":1599.625,"confidence":0.7109375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07596302777528763},{"word":"claim","start":1599.625,"end":1599.865,"confidence":0.9970703,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.05331841483712197},{"word":"it","start":1599.865,"end":1599.945,"confidence":0.8972168,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.043079227209091187},{"word":"but","start":1599.945,"end":1600.105,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.063353031873703},{"word":"then","start":1600.105,"end":1600.265,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07245250791311264},{"word":"we","start":1600.265,"end":1600.4249,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07018668204545975},{"word":"would","start":1600.4249,"end":1600.585,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.07643923163414001},{"word":"also","start":1600.585,"end":1600.985,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.05622096732258797},{"word":"provide","start":1600.985,"end":1601.385,"confidence":1.0,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.06275145709514618},{"word":"advice","start":1601.385,"end":1601.885,"confidence":0.9863281,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.05332654342055321},{"word":"on","start":1601.945,"end":1602.105,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06798244267702103},{"word":"how","start":1602.105,"end":1602.345,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.07044905424118042},{"word":"best","start":1602.345,"end":1602.585,"confidence":0.99609375,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.06497485935688019},{"word":"to","start":1602.585,"end":1602.745,"confidence":0.97314453,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0834575667977333},{"word":"structure","start":1602.745,"end":1603.225,"confidence":0.99609375,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":0.05503205209970474},{"word":"those","start":1603.225,"end":1603.5449,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.04723792150616646},{"word":"payments","start":1603.5449,"end":1604.0449,"confidence":0.9892578,"punctuated_word":"payments","sentiment":"neutral","sentiment_score":0.028813205659389496},{"word":"so","start":1604.4199,"end":1604.6599,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.07995987683534622},{"word":"that","start":1604.6599,"end":1604.82,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09469403326511384},{"word":"you","start":1604.82,"end":1605.0599,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08575938642024994},{"word":"could","start":1605.0599,"end":1605.2999,"confidence":0.9970703,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.0765848234295845},{"word":"limit","start":1605.2999,"end":1605.7,"confidence":0.9921875,"punctuated_word":"limit","sentiment":"neutral","sentiment_score":0.03263161703944206},{"word":"the","start":1605.7,"end":1605.86,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027894478291273117},{"word":"amount","start":1605.86,"end":1606.1,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.000758390873670578},{"word":"of","start":1606.1,"end":1606.26,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.019422776997089383},{"word":"tax","start":1606.26,"end":1606.5,"confidence":0.9248047,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.07904873788356781},{"word":"that","start":1606.5,"end":1606.6599,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02620766684412956},{"word":"you","start":1606.6599,"end":1606.82,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03687083348631859},{"word":"would","start":1606.82,"end":1607.0599,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0037325453013181686},{"word":"have","start":1607.0599,"end":1607.2999,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.005665549077093601},{"word":"to","start":1607.2999,"end":1607.5399,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0040472205728292465},{"word":"pay","start":1607.5399,"end":1608.0399,"confidence":0.99316406,"punctuated_word":"pay.","sentiment":"neutral","sentiment_score":0.006791424006223679},{"word":"yeah","start":1608.1799,"end":1608.6799,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0296090729534626},{"word":"but","start":1609.22,"end":1609.46,"confidence":0.6088867,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.04763302206993103},{"word":"you","start":1609.46,"end":1609.7,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05935141444206238},{"word":"do","start":1609.7,"end":1609.86,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0632852166891098},{"word":"have","start":1609.86,"end":1610.1,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05433902144432068},{"word":"the","start":1610.1,"end":1610.26,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05549263954162598},{"word":"same","start":1610.26,"end":1610.5,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.07673629373311996},{"word":"amount","start":1610.5,"end":1610.82,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.0613565556704998},{"word":"of","start":1610.82,"end":1610.98,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.054165106266736984},{"word":"tbd","start":1610.98,"end":1611.48,"confidence":0.88964844,"punctuated_word":"TBD","sentiment":"neutral","sentiment_score":0.034986793994903564},{"word":"as","start":1611.62,"end":1611.7799,"confidence":0.9707031,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07947827875614166},{"word":"you","start":1611.7799,"end":1611.94,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06546785682439804},{"word":"do","start":1611.94,"end":1612.1,"confidence":0.69763184,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.06413726508617401},{"word":"like","start":1612.1,"end":1612.4199,"confidence":0.81152344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05235416069626808},{"word":"$861,008.40","start":1612.4199,"end":1614.58,"confidence":0.99937224,"punctuated_word":"$861,008.40","sentiment":"neutral","sentiment_score":0.03584470599889755},{"word":"2","start":1614.58,"end":1614.74,"confidence":0.9916992,"punctuated_word":"2,","sentiment":"neutral","sentiment_score":0.03531310334801674},{"word":"which","start":1614.74,"end":1615.0599,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.06675206124782562},{"word":"realistically","start":1615.0599,"end":1615.5599,"confidence":0.80615234,"punctuated_word":"realistically","sentiment":"neutral","sentiment_score":0.07751350849866867},{"word":"would","start":1615.86,"end":1616.1,"confidence":0.9658203,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.06600366532802582},{"word":"pay","start":1616.1,"end":1616.34,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.05308843404054642},{"word":"off","start":1616.34,"end":1616.5,"confidence":0.9970703,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.03701876476407051},{"word":"the","start":1616.5,"end":1616.6599,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.055168259888887405},{"word":"main","start":1616.6599,"end":1616.9,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.0564887672662735},{"word":"primary","start":1616.9,"end":1617.38,"confidence":0.99902344,"punctuated_word":"primary","sentiment":"neutral","sentiment_score":0.03817339986562729},{"word":"residence","start":1617.38,"end":1617.86,"confidence":0.9428711,"punctuated_word":"residence","sentiment":"neutral","sentiment_score":0.03595713526010513},{"word":"there","start":1617.86,"end":1618.36,"confidence":0.7722168,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.05748283863067627},{"word":"could","start":1619.365,"end":1619.605,"confidence":0.8413086,"punctuated_word":"Could","sentiment":"neutral","sentiment_score":0.07762260735034943},{"word":"also","start":1619.605,"end":1619.9249,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.08977028727531433},{"word":"then","start":1619.9249,"end":1620.245,"confidence":0.9951172,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.107303686439991},{"word":"be","start":1620.245,"end":1620.4049,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.09550467133522034},{"word":"used","start":1620.4049,"end":1620.725,"confidence":1.0,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.10846085101366044},{"word":"to","start":1620.725,"end":1620.885,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09408216178417206},{"word":"pay","start":1620.885,"end":1621.125,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.07780268788337708},{"word":"down","start":1621.125,"end":1621.605,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.0872216671705246},{"word":"some","start":1621.605,"end":1621.845,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.08628012239933014},{"word":"of","start":1621.845,"end":1622.005,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08792035281658173},{"word":"the","start":1622.005,"end":1622.1649,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08333416283130646},{"word":"additional","start":1622.1649,"end":1622.565,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.06534351408481598},{"word":"debts","start":1622.565,"end":1623.0449,"confidence":0.8918457,"punctuated_word":"debts,","sentiment":"neutral","sentiment_score":0.060742974281311035},{"word":"you","start":1623.0449,"end":1623.205,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0729040652513504},{"word":"know","start":1623.205,"end":1623.365,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0639820471405983},{"word":"on","start":1623.365,"end":1623.5249,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0710417702794075},{"word":"the","start":1623.5249,"end":1623.6849,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07051422446966171},{"word":"other","start":1623.6849,"end":1623.9249,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.05761647969484329},{"word":"properties","start":1623.9249,"end":1624.325,"confidence":0.9951172,"punctuated_word":"properties","sentiment":"neutral","sentiment_score":0.0443791002035141},{"word":"if","start":1624.325,"end":1624.485,"confidence":0.96435547,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07222256064414978},{"word":"you","start":1624.485,"end":1624.565,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06028739735484123},{"word":"wanted","start":1624.565,"end":1624.885,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.05421978235244751},{"word":"to","start":1624.885,"end":1625.205,"confidence":0.8408203,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.02974359691143036},{"word":"or","start":1625.205,"end":1625.705,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05050370469689369},{"word":"the","start":1625.765,"end":1626.005,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05193959176540375},{"word":"additional","start":1626.005,"end":1626.4049,"confidence":0.9980469,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.04773953557014465},{"word":"could","start":1626.4049,"end":1626.6449,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.04524318128824234},{"word":"be","start":1626.6449,"end":1626.8049,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05601070821285248},{"word":"drawn","start":1626.8049,"end":1627.125,"confidence":0.9790039,"punctuated_word":"drawn","sentiment":"neutral","sentiment_score":0.05336400493979454},{"word":"down","start":1627.125,"end":1627.2849,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.06593762338161469},{"word":"as","start":1627.2849,"end":1627.605,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04738885909318924},{"word":"income","start":1627.605,"end":1627.9249,"confidence":0.99609375,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.04210132360458374},{"word":"to","start":1627.9249,"end":1628.1649,"confidence":0.9472656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05007382109761238},{"word":"sort","start":1628.1649,"end":1628.325,"confidence":0.9902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.048267509788274765},{"word":"of","start":1628.325,"end":1628.485,"confidence":0.97265625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0500028058886528},{"word":"support","start":1628.485,"end":1628.985,"confidence":0.97875977,"punctuated_word":"support,","sentiment":"neutral","sentiment_score":0.050462838262319565},{"word":"you","start":1629.0449,"end":1629.205,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0578853115439415},{"word":"know","start":1629.205,"end":1629.605,"confidence":0.9970703,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.05143267661333084},{"word":"support","start":1629.605,"end":1629.9249,"confidence":0.9970703,"punctuated_word":"support","sentiment":"neutral","sentiment_score":0.04732280969619751},{"word":"you","start":1629.9249,"end":1630.085,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06706339120864868},{"word":"for","start":1630.085,"end":1630.325,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.060906268656253815},{"word":"a","start":1630.325,"end":1630.4049,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06396695971488953},{"word":"bit","start":1630.4049,"end":1630.565,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06692929565906525},{"word":"longer","start":1630.565,"end":1631.065,"confidence":0.9797363,"punctuated_word":"longer,","sentiment":"neutral","sentiment_score":0.061407435685396194},{"word":"allow","start":1631.5399,"end":1631.86,"confidence":0.9536133,"punctuated_word":"allow","sentiment":"neutral","sentiment_score":0.03446049243211746},{"word":"for","start":1631.86,"end":1632.1799,"confidence":0.9926758,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.04585924744606018},{"word":"you","start":1632.1799,"end":1632.34,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.031048305332660675},{"word":"know","start":1632.34,"end":1632.58,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.038149066269397736},{"word":"changes","start":1632.58,"end":1633.0599,"confidence":0.9970703,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.04307793453335762},{"word":"to","start":1633.0599,"end":1633.22,"confidence":0.96240234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04026038944721222},{"word":"vehicles","start":1633.22,"end":1633.72,"confidence":0.98095703,"punctuated_word":"vehicles","sentiment":"neutral","sentiment_score":0.02272174321115017},{"word":"or","start":1633.78,"end":1634.02,"confidence":0.9086914,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04688302427530289},{"word":"modifications","start":1634.02,"end":1634.52,"confidence":0.9921875,"punctuated_word":"modifications","sentiment":"neutral","sentiment_score":0.038966454565525055},{"word":"to","start":1634.74,"end":1634.9,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.047061190009117126},{"word":"the","start":1634.9,"end":1635.0599,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0391012467443943},{"word":"home","start":1635.0599,"end":1635.2999,"confidence":1.0,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.03357081860303879},{"word":"or","start":1635.2999,"end":1635.78,"confidence":0.96875,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":0.03634179383516312},{"word":"you","start":1635.78,"end":1636.28,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02178353071212769},{"word":"know","start":1636.38,"end":1636.88,"confidence":0.9914551,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.03138141334056854},{"word":"recreational","start":1636.98,"end":1637.48,"confidence":0.27905273,"punctuated_word":"recreational","sentiment":"neutral","sentiment_score":0.03594527766108513},{"word":"recovery","start":1637.5399,"end":1637.94,"confidence":0.9123535,"punctuated_word":"recovery,","sentiment":"neutral","sentiment_score":0.03494826704263687},{"word":"whatever","start":1637.94,"end":1638.34,"confidence":1.0,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.03358886390924454},{"word":"was","start":1638.34,"end":1638.58,"confidence":0.84277344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.024469733238220215},{"word":"sort","start":1638.58,"end":1638.74,"confidence":0.9873047,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0407925546169281},{"word":"of","start":1638.74,"end":1638.82,"confidence":0.7260742,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03796529397368431},{"word":"needed","start":1638.82,"end":1639.14,"confidence":0.99902344,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":0.02795957587659359},{"word":"there","start":1639.14,"end":1639.2999,"confidence":0.96655273,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.02580084279179573},{"word":"but","start":1639.2999,"end":1639.5399,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.010883908718824388},{"word":"do","start":1639.5399,"end":1639.7,"confidence":0.9482422,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.01267225481569767},{"word":"you","start":1639.7,"end":1639.78,"confidence":0.5986328,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00023394078016281128},{"word":"are","start":1639.86,"end":1639.94,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.008806698024272919},{"word":"you","start":1639.94,"end":1640.1,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005143098533153534},{"word":"comfortable","start":1640.1,"end":1640.58,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.009028010070323944},{"word":"with","start":1640.58,"end":1640.74,"confidence":0.9863281,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.008850645273923874},{"word":"the","start":1640.74,"end":1640.82,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0023203231394290924},{"word":"level","start":1640.82,"end":1641.14,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.009649965912103651},{"word":"of","start":1641.14,"end":1641.2999,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.004900764673948288},{"word":"cover","start":1641.2999,"end":1641.5399,"confidence":0.9707031,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.0010636411607265472},{"word":"you","start":1641.5399,"end":1641.78,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.007893428206443787},{"word":"have","start":1641.78,"end":1641.94,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01410491019487381},{"word":"with","start":1641.94,"end":1642.26,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.01079598069190979},{"word":"cbd","start":1642.26,"end":1642.76,"confidence":0.7128906,"punctuated_word":"CBD?","sentiment":"neutral","sentiment_score":0.007500758394598961},{"word":"did","start":1642.82,"end":1642.98,"confidence":0.9980469,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.010513927787542343},{"word":"you","start":1642.98,"end":1643.14,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.001263648271560669},{"word":"wanna","start":1643.14,"end":1643.46,"confidence":0.984375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.006509463302791119},{"word":"kinda","start":1643.46,"end":1643.78,"confidence":0.83935547,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.001814262941479683},{"word":"review","start":1643.78,"end":1644.1,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.0003610178828239441},{"word":"that","start":1644.1,"end":1644.34,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02605537697672844},{"word":"at","start":1644.34,"end":1644.5,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.019153328612446785},{"word":"all","start":1644.5,"end":1645.0,"confidence":1.0,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":-0.004051564261317253},{"word":"that's","start":1647.255,"end":1647.655,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2343452423810959},{"word":"okay","start":1647.655,"end":1648.155,"confidence":0.98706055,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.2950741648674011},{"word":"beautiful","start":1648.215,"end":1648.715,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4417632222175598},{"word":"and","start":1649.1749,"end":1649.4149,"confidence":0.68652344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.150897815823555},{"word":"then","start":1649.4149,"end":1649.575,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1355482041835785},{"word":"with","start":1649.575,"end":1649.815,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08742191642522812},{"word":"the","start":1649.815,"end":1649.975,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11515332013368608},{"word":"income","start":1649.975,"end":1650.375,"confidence":0.9980469,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.09950512647628784},{"word":"protection","start":1650.375,"end":1650.855,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.05540504306554794},{"word":"benefit","start":1650.855,"end":1651.255,"confidence":0.99609375,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.06088978797197342},{"word":"there","start":1651.255,"end":1651.4149,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.0669446587562561},{"word":"as","start":1651.4149,"end":1651.575,"confidence":0.99316406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.053011454641819},{"word":"well","start":1651.575,"end":1651.655,"confidence":0.9980469,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.07313988357782364},{"word":"and","start":1651.735,"end":1651.895,"confidence":0.81640625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.014993797987699509},{"word":"i","start":1651.895,"end":1652.0549,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05202189087867737},{"word":"do","start":1652.0549,"end":1652.2949,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.022398799657821655},{"word":"apologize","start":1652.2949,"end":1652.7949,"confidence":0.94921875,"punctuated_word":"apologize.","sentiment":"neutral","sentiment_score":-0.023723527789115902},{"word":"my","start":1652.855,"end":1653.015,"confidence":1.0,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.005001207813620567},{"word":"computer","start":1653.015,"end":1653.335,"confidence":1.0,"punctuated_word":"computer","sentiment":"neutral","sentiment_score":0.0013225339353084564},{"word":"had","start":1653.335,"end":1653.575,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.00982089340686798},{"word":"a","start":1653.575,"end":1653.655,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.015232482925057411},{"word":"little","start":1653.655,"end":1653.815,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.021279705688357353},{"word":"bit","start":1653.815,"end":1653.975,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.01530446670949459},{"word":"of","start":1653.975,"end":1654.0549,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.014177881181240082},{"word":"a","start":1654.0549,"end":1654.135,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0057557797990739346},{"word":"moment","start":1654.135,"end":1654.5349,"confidence":0.9980469,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.0024539087899029255},{"word":"i","start":1654.5349,"end":1654.615,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0041494714096188545},{"word":"had","start":1654.615,"end":1654.775,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.0026385895907878876},{"word":"your","start":1654.775,"end":1654.9349,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.008733071386814117},{"word":"income","start":1654.9349,"end":1655.255,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.00560048408806324},{"word":"as","start":1655.255,"end":1655.4149,"confidence":0.94384766,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.003111717291176319},{"word":"a","start":1655.4149,"end":1655.495,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0029048840515315533},{"word":"140,000","start":1655.495,"end":1656.695,"confidence":0.99938965,"punctuated_word":"140,000.","sentiment":"neutral","sentiment_score":-0.0015515319537371397},{"word":"did","start":1656.695,"end":1656.855,"confidence":1.0,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.009046847000718117},{"word":"you","start":1656.855,"end":1657.095,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.005583414807915688},{"word":"tell","start":1657.095,"end":1657.255,"confidence":0.93847656,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":-0.0029390789568424225},{"word":"me","start":1657.255,"end":1657.4149,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.00029485300183296204},{"word":"before","start":1657.4149,"end":1657.655,"confidence":0.99902344,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.016052696853876114},{"word":"that","start":1657.655,"end":1657.815,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.014764830470085144},{"word":"you","start":1657.815,"end":1657.975,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.025118259713053703},{"word":"wanted","start":1657.975,"end":1658.215,"confidence":0.99902344,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.02367591112852097},{"word":"to","start":1658.215,"end":1658.375,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.031898755580186844},{"word":"increase","start":1658.375,"end":1658.775,"confidence":1.0,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":-0.022323358803987503},{"word":"or","start":1658.775,"end":1658.855,"confidence":0.93359375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04344649612903595},{"word":"alter","start":1658.855,"end":1659.1749,"confidence":0.8972168,"punctuated_word":"alter,","sentiment":"neutral","sentiment_score":-0.02174755558371544},{"word":"or","start":1659.1749,"end":1659.335,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.028631340712308884},{"word":"is","start":1659.335,"end":1659.4149,"confidence":0.9790039,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.02004960924386978},{"word":"that","start":1659.4149,"end":1659.575,"confidence":0.95410156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0059457384049892426},{"word":"still","start":1659.575,"end":1659.815,"confidence":0.9970703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.03070388361811638},{"word":"the","start":1659.815,"end":1659.975,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01845005340874195},{"word":"same","start":1659.975,"end":1660.215,"confidence":0.99853516,"punctuated_word":"same?","sentiment":"neutral","sentiment_score":-0.022938258945941925},{"word":"i'm","start":1660.215,"end":1660.375,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.15908503532409668},{"word":"so","start":1660.375,"end":1660.5349,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.1999383568763733},{"word":"sorry","start":1660.5349,"end":1661.0349,"confidence":1.0,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.21027955412864685},{"word":"that","start":1663.3099,"end":1663.63,"confidence":0.7314453,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.02423585206270218},{"word":"right","start":1663.63,"end":1663.95,"confidence":0.77685547,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.04293525218963623},{"word":"yes","start":1663.95,"end":1664.4299,"confidence":0.7421875,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11236985772848128},{"word":"beautiful","start":1664.4299,"end":1664.9299,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5505377054214478},{"word":"so","start":1665.3099,"end":1665.63,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.023818792775273323},{"word":"having","start":1665.63,"end":1665.95,"confidence":0.9980469,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.043512992560863495},{"word":"a","start":1665.95,"end":1666.0299,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03261902183294296},{"word":"look","start":1666.0299,"end":1666.2699,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.020468566566705704},{"word":"at","start":1666.2699,"end":1666.35,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02521222084760666},{"word":"that","start":1666.35,"end":1666.6699,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03283407539129257},{"word":"at","start":1666.6699,"end":1666.75,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02587052807211876},{"word":"the","start":1666.75,"end":1666.83,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04331929609179497},{"word":"moment","start":1666.83,"end":1667.3099,"confidence":0.8664551,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.04690748080611229},{"word":"with","start":1667.3099,"end":1667.5499,"confidence":0.94970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0586029589176178},{"word":"income","start":1667.5499,"end":1667.87,"confidence":0.9589844,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.06241919845342636},{"word":"protection","start":1667.87,"end":1668.35,"confidence":0.9951172,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":0.05100708454847336},{"word":"you","start":1668.35,"end":1668.59,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07586360722780228},{"word":"can","start":1668.59,"end":1668.75,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0757189691066742},{"word":"be","start":1668.75,"end":1668.9099,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06837816536426544},{"word":"covered","start":1668.9099,"end":1669.3099,"confidence":1.0,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":0.05034063011407852},{"word":"for","start":1669.3099,"end":1669.47,"confidence":0.98291016,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05440618470311165},{"word":"up","start":1669.47,"end":1669.71,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07189009338617325},{"word":"to","start":1669.71,"end":1669.87,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07707855850458145},{"word":"70%","start":1669.87,"end":1670.59,"confidence":1.0,"punctuated_word":"70%","sentiment":"neutral","sentiment_score":0.0922703668475151},{"word":"of","start":1670.59,"end":1670.75,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04640885069966316},{"word":"your","start":1670.75,"end":1670.99,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03793482854962349},{"word":"income","start":1670.99,"end":1671.47,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.02036074548959732},{"word":"in","start":1671.47,"end":1671.71,"confidence":0.98828125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05375456437468529},{"word":"the","start":1671.71,"end":1671.87,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0542781725525856},{"word":"event","start":1671.87,"end":1672.19,"confidence":0.9902344,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.041118085384368896},{"word":"that","start":1672.19,"end":1672.35,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.021571144461631775},{"word":"you're","start":1672.35,"end":1672.59,"confidence":0.9604492,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.008002376183867455},{"word":"unable","start":1672.59,"end":1672.99,"confidence":1.0,"punctuated_word":"unable","sentiment":"neutral","sentiment_score":-0.041346851736307144},{"word":"to","start":1672.99,"end":1673.1499,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.056270528584718704},{"word":"work","start":1673.1499,"end":1673.3899,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.07681357860565186},{"word":"in","start":1673.3899,"end":1673.47,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.056702643632888794},{"word":"the","start":1673.47,"end":1673.63,"confidence":0.96533203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02230154350399971},{"word":"short","start":1673.63,"end":1673.87,"confidence":1.0,"punctuated_word":"short","sentiment":"neutral","sentiment_score":-0.03332973271608353},{"word":"term","start":1673.87,"end":1674.37,"confidence":0.9980469,"punctuated_word":"term.","sentiment":"neutral","sentiment_score":0.02083640731871128},{"word":"with","start":1675.265,"end":1675.505,"confidence":0.98095703,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.06776150315999985},{"word":"the","start":1675.505,"end":1675.6649,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06925982236862183},{"word":"income","start":1675.6649,"end":1675.985,"confidence":0.9980469,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.0476955845952034},{"word":"protection","start":1675.985,"end":1676.485,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.03363843262195587},{"word":"benefit","start":1676.5449,"end":1676.945,"confidence":0.9980469,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.06110663712024689},{"word":"you","start":1676.945,"end":1677.105,"confidence":0.9819336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08276763558387756},{"word":"have","start":1677.105,"end":1677.505,"confidence":1.0,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.07778996229171753},{"word":"you","start":1677.505,"end":1677.6649,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06778448075056076},{"word":"have","start":1677.6649,"end":1677.9049,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07723367214202881},{"word":"a","start":1677.9049,"end":1678.065,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08987757563591003},{"word":"benefit","start":1678.065,"end":1678.5449,"confidence":1.0,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.06216889247298241},{"word":"amount","start":1678.5449,"end":1678.865,"confidence":0.99902344,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.05947416648268699},{"word":"of","start":1678.865,"end":1679.105,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06214354559779167},{"word":"$6,008.38","start":1679.105,"end":1680.865,"confidence":0.9962565,"punctuated_word":"$6,008.38.","sentiment":"neutral","sentiment_score":0.06132310628890991},{"word":"it's","start":1680.865,"end":1681.105,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.05428776890039444},{"word":"a","start":1681.105,"end":1681.265,"confidence":0.8642578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04835718125104904},{"word":"pretax","start":1681.265,"end":1681.765,"confidence":0.98339844,"punctuated_word":"pretax","sentiment":"neutral","sentiment_score":0.08066549152135849},{"word":"amount","start":1681.825,"end":1682.225,"confidence":0.99609375,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.06754213571548462},{"word":"and","start":1682.225,"end":1682.385,"confidence":0.94189453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04015395790338516},{"word":"a","start":1682.385,"end":1682.465,"confidence":0.9111328,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04628771543502808},{"word":"monthly","start":1682.465,"end":1682.945,"confidence":1.0,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.05704467371106148},{"word":"benefit","start":1682.945,"end":1683.4249,"confidence":0.8522949,"punctuated_word":"benefit.","sentiment":"neutral","sentiment_score":0.03941407799720764},{"word":"so","start":1683.4249,"end":1683.9049,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04654638469219208},{"word":"that's","start":1683.9049,"end":1684.065,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.05328693985939026},{"word":"how","start":1684.065,"end":1684.225,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.0385674424469471},{"word":"much","start":1684.225,"end":1684.465,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.023273270577192307},{"word":"you","start":1684.465,"end":1684.705,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02756626158952713},{"word":"could","start":1684.705,"end":1684.945,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.03176090866327286},{"word":"claim","start":1684.945,"end":1685.345,"confidence":0.99316406,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.03433575481176376},{"word":"pretax","start":1685.345,"end":1685.845,"confidence":0.9975586,"punctuated_word":"pretax","sentiment":"neutral","sentiment_score":0.028629006817936897},{"word":"if","start":1685.9049,"end":1686.1449,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.028439562767744064},{"word":"you","start":1686.1449,"end":1686.3049,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04614716395735741},{"word":"are","start":1686.3049,"end":1686.465,"confidence":0.5107422,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.04751557111740112},{"word":"off","start":1686.465,"end":1686.705,"confidence":0.98535156,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.051559239625930786},{"word":"work","start":1686.705,"end":1687.205,"confidence":0.95751953,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":-0.02769770845770836},{"word":"70%","start":1687.75,"end":1688.47,"confidence":0.9975586,"punctuated_word":"70%","sentiment":"neutral","sentiment_score":0.04083435609936714},{"word":"of","start":1688.47,"end":1688.63,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.018056582659482956},{"word":"your","start":1688.63,"end":1688.87,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01135803759098053},{"word":"current","start":1688.87,"end":1689.35,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.020131245255470276},{"word":"income","start":1689.35,"end":1689.6699,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.02003984898328781},{"word":"would","start":1689.6699,"end":1689.91,"confidence":0.99316406,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.01911350339651108},{"word":"mean","start":1689.91,"end":1690.07,"confidence":0.9863281,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.026432663202285767},{"word":"we'd","start":1690.07,"end":1690.39,"confidence":0.96899414,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":0.02589222602546215},{"word":"need","start":1690.39,"end":1690.5499,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.03763291239738464},{"word":"to","start":1690.5499,"end":1690.71,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.038852956146001816},{"word":"increase","start":1690.71,"end":1691.19,"confidence":1.0,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.06739917397499084},{"word":"that","start":1691.19,"end":1691.4299,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06327581405639648},{"word":"benefit","start":1691.4299,"end":1691.9299,"confidence":0.9951172,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.05641169473528862},{"word":"to","start":1691.99,"end":1692.15,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.037904441356658936},{"word":"about","start":1692.15,"end":1692.47,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.036289773881435394},{"word":"8,001","start":1692.47,"end":1693.35,"confidence":0.99902344,"punctuated_word":"8,001","sentiment":"neutral","sentiment_score":0.04898346960544586},{"word":"166","start":1693.35,"end":1694.5499,"confidence":0.9963379,"punctuated_word":"166","sentiment":"neutral","sentiment_score":0.0016378015279769895},{"word":"per","start":1694.5499,"end":1694.7899,"confidence":0.9838867,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.023923367261886597},{"word":"month","start":1694.7899,"end":1695.11,"confidence":0.95410156,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":-0.01645161211490631},{"word":"so","start":1695.11,"end":1695.19,"confidence":0.5600586,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04457461088895798},{"word":"you","start":1695.19,"end":1695.35,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06666406989097595},{"word":"are","start":1695.35,"end":1695.59,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0877382755279541},{"word":"a","start":1695.59,"end":1695.6699,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09537800401449203},{"word":"little","start":1695.6699,"end":1695.91,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.09784676134586334},{"word":"bit","start":1695.91,"end":1696.07,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1321319043636322},{"word":"underinsured","start":1696.07,"end":1696.57,"confidence":0.9416504,"punctuated_word":"underinsured","sentiment":"neutral","sentiment_score":-0.1143319606781006},{"word":"at","start":1696.95,"end":1697.03,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.16044844686985016},{"word":"the","start":1697.03,"end":1697.19,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12395530939102171},{"word":"moment","start":1697.19,"end":1697.69,"confidence":0.9980469,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.10037001222372056},{"word":"however","start":1699.11,"end":1699.59,"confidence":0.9838867,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":-0.032438989728689194},{"word":"in","start":1699.59,"end":1699.83,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.026941493153572083},{"word":"the","start":1699.83,"end":1699.99,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02437750995159149},{"word":"event","start":1699.99,"end":1700.47,"confidence":0.99902344,"punctuated_word":"event","sentiment":"neutral","sentiment_score":-0.00048482418060302734},{"word":"of","start":1700.47,"end":1700.71,"confidence":0.94799805,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.02748464234173298},{"word":"say","start":1700.71,"end":1701.21,"confidence":0.9995117,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.019073329865932465},{"word":"claiming","start":1701.27,"end":1701.75,"confidence":0.8833008,"punctuated_word":"claiming","sentiment":"neutral","sentiment_score":-0.006313461810350418},{"word":"on","start":1701.75,"end":1701.99,"confidence":0.6948242,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.006442181766033173},{"word":"income","start":1701.99,"end":1702.39,"confidence":0.91845703,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.0019421838223934176},{"word":"protection","start":1702.39,"end":1702.89,"confidence":0.99853516,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":-0.002599315717816353},{"word":"would","start":1703.8551,"end":1704.0951,"confidence":0.95947266,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.031149305403232574},{"word":"the","start":1704.0951,"end":1704.3351,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00787416473031044},{"word":"benefit","start":1704.3351,"end":1704.735,"confidence":0.99902344,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.033455826342105865},{"word":"you're","start":1704.735,"end":1704.895,"confidence":0.982666,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.006319361738860607},{"word":"covered","start":1704.895,"end":1705.2151,"confidence":0.99902344,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":0.028206363320350647},{"word":"for","start":1705.2151,"end":1705.375,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.014623899012804031},{"word":"the","start":1705.375,"end":1705.535,"confidence":0.7944336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.033146440982818604},{"word":"$6.08","start":1705.535,"end":1706.0951,"confidence":0.99853516,"punctuated_word":"$6.08","sentiment":"neutral","sentiment_score":0.021172484382987022},{"word":"$3.08","start":1706.0951,"end":1706.655,"confidence":0.9980469,"punctuated_word":"$3.08","sentiment":"neutral","sentiment_score":0.010249721817672253},{"word":"plus","start":1706.655,"end":1706.9751,"confidence":0.7270508,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.022480662912130356},{"word":"maybe","start":1706.9751,"end":1707.295,"confidence":0.9482422,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.015748925507068634},{"word":"your","start":1707.295,"end":1707.4551,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0025623440742492676},{"word":"husband's","start":1707.4551,"end":1707.9551,"confidence":0.9995117,"punctuated_word":"husband's","sentiment":"neutral","sentiment_score":0.007971033453941345},{"word":"income","start":1708.015,"end":1708.415,"confidence":0.74975586,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.02302914671599865},{"word":"plus","start":1708.415,"end":1708.735,"confidence":1.0,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.04572597891092301},{"word":"any","start":1708.735,"end":1708.9751,"confidence":0.99316406,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.029630273580551147},{"word":"income","start":1708.9751,"end":1709.295,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.024497848004102707},{"word":"from","start":1709.295,"end":1709.4551,"confidence":0.97802734,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.01747848093509674},{"word":"the","start":1709.4551,"end":1709.615,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.028702974319458008},{"word":"investment","start":1709.615,"end":1710.115,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.00660116970539093},{"word":"properties","start":1710.175,"end":1710.655,"confidence":0.9980469,"punctuated_word":"properties","sentiment":"neutral","sentiment_score":0.02171507477760315},{"word":"or","start":1710.655,"end":1710.8151,"confidence":0.5390625,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.033574990928173065},{"word":"anywhere","start":1710.8151,"end":1711.135,"confidence":0.99902344,"punctuated_word":"anywhere","sentiment":"neutral","sentiment_score":0.026169948279857635},{"word":"else","start":1711.135,"end":1711.375,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.0171784907579422},{"word":"that","start":1711.375,"end":1711.535,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.024800743907690048},{"word":"you're","start":1711.535,"end":1711.775,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.023804988712072372},{"word":"able","start":1711.775,"end":1712.015,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.03723622485995293},{"word":"to","start":1712.015,"end":1712.175,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04278813302516937},{"word":"generate","start":1712.175,"end":1712.655,"confidence":1.0,"punctuated_word":"generate","sentiment":"neutral","sentiment_score":0.038240037858486176},{"word":"funds","start":1712.655,"end":1712.9751,"confidence":0.99902344,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.06435106694698334},{"word":"from","start":1712.9751,"end":1713.4751,"confidence":0.98168945,"punctuated_word":"from,","sentiment":"neutral","sentiment_score":0.020347941666841507},{"word":"would","start":1713.615,"end":1713.8551,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.003133572638034821},{"word":"all","start":1713.8551,"end":1714.015,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.04050791263580322},{"word":"that","start":1714.015,"end":1714.3351,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.031998828053474426},{"word":"be","start":1714.3351,"end":1714.495,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.010753892362117767},{"word":"sufficient","start":1714.495,"end":1714.995,"confidence":0.845459,"punctuated_word":"sufficient,","sentiment":"neutral","sentiment_score":0.014287766069173813},{"word":"or","start":1715.055,"end":1715.295,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.03640434145927429},{"word":"would","start":1715.295,"end":1715.4551,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.029918186366558075},{"word":"you","start":1715.4551,"end":1715.615,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0546843521296978},{"word":"need","start":1715.615,"end":1715.8551,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.0362863764166832},{"word":"to","start":1715.8551,"end":1715.935,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05064331740140915},{"word":"maybe","start":1715.935,"end":1716.255,"confidence":0.9902344,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.036560818552970886},{"word":"look","start":1716.255,"end":1716.495,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.0646139457821846},{"word":"at","start":1716.495,"end":1716.655,"confidence":0.9892578,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.027701780200004578},{"word":"increasing","start":1716.655,"end":1717.135,"confidence":0.921875,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.012553855776786804},{"word":"that","start":1717.135,"end":1717.375,"confidence":0.9453125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.011364035308361052},{"word":"income","start":1717.375,"end":1717.6951,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.010239452123641968},{"word":"protection","start":1717.6951,"end":1718.1951,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.005962591618299484},{"word":"benefit","start":1718.255,"end":1718.755,"confidence":0.9970703,"punctuated_word":"benefit?","sentiment":"neutral","sentiment_score":-0.0011168066412210464},{"word":"i'd","start":1724.0,"end":1724.24,"confidence":0.8652344,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.002802203176543117},{"word":"have","start":1724.24,"end":1724.5599,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.005889378488063812},{"word":"to","start":1724.5599,"end":1724.72,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0042885057628154755},{"word":"do","start":1724.72,"end":1724.84,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.005924634635448456},{"word":"a","start":1724.84,"end":1724.96,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.008440680801868439},{"word":"bit","start":1724.96,"end":1725.12,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.01087314635515213},{"word":"of","start":1725.12,"end":1725.28,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.002066008746623993},{"word":"a","start":1725.28,"end":1725.36,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0038683880120515823},{"word":"quote","start":1725.36,"end":1725.68,"confidence":1.0,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":-0.0005434565246105194},{"word":"for","start":1725.68,"end":1725.92,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.018903430551290512},{"word":"you","start":1725.92,"end":1726.08,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.003694001585245133},{"word":"and","start":1726.08,"end":1726.32,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.012850318104028702},{"word":"see","start":1726.32,"end":1726.48,"confidence":0.9555664,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.015301908366382122},{"word":"if","start":1726.48,"end":1726.64,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.041423335671424866},{"word":"you","start":1726.64,"end":1726.72,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04006054997444153},{"word":"like","start":1726.72,"end":1726.96,"confidence":0.9824219,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.051125288009643555},{"word":"i","start":1726.96,"end":1727.12,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.053791776299476624},{"word":"can","start":1727.12,"end":1727.36,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04965892434120178},{"word":"generate","start":1727.36,"end":1727.68,"confidence":1.0,"punctuated_word":"generate","sentiment":"neutral","sentiment_score":0.050659921020269394},{"word":"a","start":1727.68,"end":1727.84,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0597856305539608},{"word":"quote","start":1727.84,"end":1728.08,"confidence":1.0,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.04393862187862396},{"word":"and","start":1728.08,"end":1728.24,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05125859379768371},{"word":"send","start":1728.24,"end":1728.4,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.046384118497371674},{"word":"it","start":1728.4,"end":1728.5599,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05260489881038666},{"word":"through","start":1728.5599,"end":1728.88,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.04482132196426392},{"word":"just","start":1728.88,"end":1729.04,"confidence":0.9316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0467677116394043},{"word":"to","start":1729.04,"end":1729.2,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04885941743850708},{"word":"give","start":1729.2,"end":1729.36,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.056332383304834366},{"word":"you","start":1729.36,"end":1729.52,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06158357858657837},{"word":"a","start":1729.52,"end":1729.6,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05839618295431137},{"word":"bit","start":1729.6,"end":1729.76,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.033931832760572433},{"word":"of","start":1729.76,"end":1729.84,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03566243499517441},{"word":"a","start":1729.84,"end":1730.0,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04181420803070069},{"word":"guide","start":1730.0,"end":1730.24,"confidence":0.99316406,"punctuated_word":"guide.","sentiment":"neutral","sentiment_score":0.021690262481570244},{"word":"it's","start":1730.24,"end":1730.48,"confidence":0.9970703,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.024371130391955376},{"word":"not","start":1730.48,"end":1730.72,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.034927647560834885},{"word":"an","start":1730.72,"end":1730.88,"confidence":0.99609375,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.04753056913614273},{"word":"exact","start":1730.88,"end":1731.2,"confidence":0.9970703,"punctuated_word":"exact","sentiment":"neutral","sentiment_score":-0.0439668670296669},{"word":"because","start":1731.2,"end":1731.52,"confidence":0.7524414,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.05492658168077469},{"word":"it","start":1731.52,"end":1731.6,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.042443618178367615},{"word":"depends","start":1731.6,"end":1732.0,"confidence":0.99316406,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":-0.03698587045073509},{"word":"on","start":1732.0,"end":1732.335,"confidence":0.9111328,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.02901875227689743},{"word":"factors","start":1732.495,"end":1732.815,"confidence":0.9707031,"punctuated_word":"factors","sentiment":"neutral","sentiment_score":-0.02934315800666809},{"word":"there","start":1732.815,"end":1733.315,"confidence":0.782959,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.033077020198106766},{"word":"but","start":1733.615,"end":1733.7749,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.00535501167178154},{"word":"i","start":1733.7749,"end":1733.855,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.032961469143629074},{"word":"could","start":1733.855,"end":1734.095,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.09494731575250626},{"word":"get","start":1734.095,"end":1734.255,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.09981510043144226},{"word":"a","start":1734.255,"end":1734.335,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10293512046337128},{"word":"bit","start":1734.335,"end":1734.4149,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.076818086206913},{"word":"of","start":1734.4149,"end":1734.575,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.118220254778862},{"word":"a","start":1734.575,"end":1734.6549,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09752116352319716},{"word":"quote","start":1734.6549,"end":1734.895,"confidence":1.0,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.06667615473270416},{"word":"and","start":1734.895,"end":1735.135,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09584832191467284},{"word":"email","start":1735.135,"end":1735.455,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.09236091375350952},{"word":"it","start":1735.455,"end":1735.5349,"confidence":0.9316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09846338629722597},{"word":"through","start":1735.5349,"end":1735.855,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07493405044078827},{"word":"so","start":1735.855,"end":1735.9349,"confidence":0.97265625,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.07587239146232605},{"word":"you","start":1735.9349,"end":1736.095,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06031778082251549},{"word":"can","start":1736.095,"end":1736.255,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07681170105934143},{"word":"see","start":1736.255,"end":1736.4149,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.07968984544277191},{"word":"what","start":1736.4149,"end":1736.735,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05296548828482628},{"word":"the","start":1736.735,"end":1736.895,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0682586058974266},{"word":"estimated","start":1736.895,"end":1737.395,"confidence":0.99609375,"punctuated_word":"estimated","sentiment":"neutral","sentiment_score":0.0719047263264656},{"word":"increase","start":1737.455,"end":1737.9349,"confidence":0.9970703,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.05487225577235222},{"word":"might","start":1737.9349,"end":1738.1749,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.030166763812303543},{"word":"look","start":1738.1749,"end":1738.4149,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.042021818459033966},{"word":"like","start":1738.4149,"end":1738.575,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.030049949884414673},{"word":"and","start":1738.575,"end":1738.815,"confidence":0.9472656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.031323496252298355},{"word":"sort","start":1738.815,"end":1738.975,"confidence":0.9667969,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04462158679962158},{"word":"of","start":1738.975,"end":1739.0549,"confidence":0.7260742,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.035278890281915665},{"word":"work","start":1739.0549,"end":1739.2949,"confidence":0.9892578,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.05934885889291763},{"word":"out","start":1739.2949,"end":1739.5349,"confidence":0.9243164,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.002083688974380493},{"word":"if","start":1739.5349,"end":1739.695,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.004964958876371384},{"word":"you","start":1739.695,"end":1739.855,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00024967268109321594},{"word":"need","start":1739.855,"end":1740.015,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.0066101811826229095},{"word":"to","start":1740.015,"end":1740.255,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.004141613841056824},{"word":"increase","start":1740.255,"end":1740.755,"confidence":0.98999023,"punctuated_word":"increase.","sentiment":"neutral","sentiment_score":0.006195710971951485},{"word":"yeah","start":1740.975,"end":1741.475,"confidence":0.96069336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13889078795909882},{"word":"yep","start":1743.0549,"end":1743.5549,"confidence":0.9758301,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.30312302708625793},{"word":"absolutely","start":1743.695,"end":1744.195,"confidence":0.96728516,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.4420386552810669},{"word":"not","start":1744.735,"end":1744.895,"confidence":1.0,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.5223978757858276},{"word":"a","start":1744.895,"end":1745.0549,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.37081414461135864},{"word":"problem","start":1745.0549,"end":1745.375,"confidence":1.0,"punctuated_word":"problem","sentiment":"positive","sentiment_score":0.42282360792160034},{"word":"at","start":1745.375,"end":1745.5349,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3789912164211273},{"word":"all","start":1745.5349,"end":1745.97,"confidence":0.9995117,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.3854637145996094},{"word":"with","start":1746.21,"end":1746.37,"confidence":0.97265625,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.24423080682754517},{"word":"your","start":1746.37,"end":1746.61,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20433779060840607},{"word":"income","start":1746.61,"end":1746.9299,"confidence":0.9980469,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.2293403446674347},{"word":"protection","start":1746.9299,"end":1747.25,"confidence":0.99560547,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":0.18906787037849423},{"word":"you've","start":1747.25,"end":1747.49,"confidence":0.9904785,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.23824208974838257},{"word":"also","start":1747.49,"end":1747.65,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.20632615685462952},{"word":"got","start":1747.65,"end":1747.8099,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2257363498210907},{"word":"a","start":1747.8099,"end":1747.97,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21210618317127228},{"word":"ninety","start":1747.97,"end":1748.2899,"confidence":1.0,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":0.2043166011571884},{"word":"day","start":1748.2899,"end":1748.53,"confidence":1.0,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.15573376417160034},{"word":"waiting","start":1748.53,"end":1748.77,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.17894980311393738},{"word":"period","start":1748.77,"end":1749.1699,"confidence":0.75878906,"punctuated_word":"period.","sentiment":"neutral","sentiment_score":0.14717434346675873},{"word":"so","start":1749.1699,"end":1749.25,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20165130496025083},{"word":"you","start":1749.25,"end":1749.4099,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2028295248746872},{"word":"just","start":1749.4099,"end":1749.57,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18015876412391665},{"word":"have","start":1749.57,"end":1749.73,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1670946180820465},{"word":"to","start":1749.73,"end":1749.8099,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.055389389395713806},{"word":"be","start":1749.8099,"end":1749.97,"confidence":0.99121094,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.007384426891803741},{"word":"off","start":1749.97,"end":1750.13,"confidence":0.9980469,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.04215943068265915},{"word":"work","start":1750.13,"end":1750.2899,"confidence":0.9980469,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.04244835674762726},{"word":"for","start":1750.2899,"end":1750.53,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.03133397549390793},{"word":"ninety","start":1750.53,"end":1750.85,"confidence":0.9980469,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":0.08275116235017776},{"word":"days","start":1750.85,"end":1751.09,"confidence":1.0,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.06511232256889343},{"word":"prior","start":1751.09,"end":1751.33,"confidence":0.99902344,"punctuated_word":"prior","sentiment":"neutral","sentiment_score":0.04531385004520416},{"word":"to","start":1751.33,"end":1751.49,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11894849687814713},{"word":"making","start":1751.49,"end":1751.8099,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.1120775192975998},{"word":"a","start":1751.8099,"end":1752.0499,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15971381962299347},{"word":"claim","start":1752.0499,"end":1752.5499,"confidence":0.99902344,"punctuated_word":"claim.","sentiment":"neutral","sentiment_score":0.09925885498523712},{"word":"we","start":1752.85,"end":1753.09,"confidence":0.9790039,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.08664891868829727},{"word":"suggest","start":1753.09,"end":1753.49,"confidence":1.0,"punctuated_word":"suggest","sentiment":"neutral","sentiment_score":-0.09545083343982697},{"word":"that","start":1753.49,"end":1753.8099,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11602391302585602},{"word":"as","start":1753.8099,"end":1753.97,"confidence":0.9873047,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.143427774310112},{"word":"soon","start":1753.97,"end":1754.21,"confidence":1.0,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":-0.18895262479782104},{"word":"as","start":1754.21,"end":1754.2899,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.13143768906593323},{"word":"you're","start":1754.2899,"end":1754.53,"confidence":0.9951172,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.14134415984153748},{"word":"off","start":1754.53,"end":1754.69,"confidence":1.0,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.1505695283412933},{"word":"work","start":1754.69,"end":1754.9299,"confidence":0.9980469,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.17558109760284424},{"word":"and","start":1754.9299,"end":1755.1699,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10340597480535509},{"word":"not","start":1755.1699,"end":1755.33,"confidence":0.81347656,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.13055482506752014},{"word":"able","start":1755.33,"end":1755.73,"confidence":0.99902344,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.18417321145534515},{"word":"to","start":1755.73,"end":1756.23,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17352992296218872},{"word":"go","start":1756.45,"end":1756.69,"confidence":0.9819336,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.18487516045570376},{"word":"back","start":1756.69,"end":1756.85,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.22028760612010956},{"word":"for","start":1756.85,"end":1757.01,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1632087677717209},{"word":"a","start":1757.01,"end":1757.09,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17583617568016052},{"word":"period","start":1757.09,"end":1757.33,"confidence":0.99902344,"punctuated_word":"period","sentiment":"neutral","sentiment_score":-0.16326123476028442},{"word":"of","start":1757.33,"end":1757.49,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.20479261875152588},{"word":"time","start":1757.49,"end":1757.65,"confidence":0.89501953,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.1388115435838699},{"word":"you","start":1757.65,"end":1757.8099,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2268398106098175},{"word":"think","start":1757.8099,"end":1757.97,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.22529250383377075},{"word":"you're","start":1757.97,"end":1758.21,"confidence":0.99609375,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.23187732696533203},{"word":"gonna","start":1758.21,"end":1758.45,"confidence":0.9921875,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.18689420819282532},{"word":"be","start":1758.45,"end":1758.61,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.16080830991268158},{"word":"off","start":1758.61,"end":1758.77,"confidence":0.9838867,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.16917230188846588},{"word":"that","start":1758.77,"end":1759.01,"confidence":0.84716797,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09714604914188384},{"word":"time","start":1759.01,"end":1759.25,"confidence":0.9863281,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.20086054503917697},{"word":"frame","start":1759.25,"end":1759.57,"confidence":0.78222656,"punctuated_word":"frame,","sentiment":"neutral","sentiment_score":-0.11328911036252975},{"word":"to","start":1759.57,"end":1759.73,"confidence":0.8774414,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06901661306619644},{"word":"give","start":1759.73,"end":1759.89,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.075263611972332},{"word":"us","start":1759.89,"end":1760.0499,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.04241277649998665},{"word":"a","start":1760.0499,"end":1760.13,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04037488251924515},{"word":"call","start":1760.13,"end":1760.37,"confidence":0.8684082,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":-0.042487043887376785},{"word":"let","start":1760.37,"end":1760.61,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.028938665986061096},{"word":"us","start":1760.61,"end":1760.69,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.01178807020187378},{"word":"know","start":1760.69,"end":1761.105,"confidence":0.9680176,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.049893852323293686},{"word":"we","start":1761.265,"end":1761.505,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.10115141421556471},{"word":"can","start":1761.505,"end":1761.585,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11289577931165697},{"word":"at","start":1761.585,"end":1761.825,"confidence":0.98291016,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06751479208469391},{"word":"least","start":1761.825,"end":1762.065,"confidence":1.0,"punctuated_word":"least","sentiment":"neutral","sentiment_score":0.053714945912361145},{"word":"let","start":1762.065,"end":1762.225,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.12497637420892715},{"word":"the","start":1762.225,"end":1762.385,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1223028376698494},{"word":"insurer","start":1762.385,"end":1762.865,"confidence":0.9863281,"punctuated_word":"insurer","sentiment":"neutral","sentiment_score":0.15488485991954803},{"word":"know","start":1762.865,"end":1763.1849,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.20587430894374847},{"word":"that","start":1763.1849,"end":1763.505,"confidence":0.99902344,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.2018732726573944},{"word":"you","start":1763.505,"end":1763.665,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.177305668592453},{"word":"know","start":1763.665,"end":1763.985,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1619383841753006},{"word":"there","start":1763.985,"end":1764.3049,"confidence":0.92822266,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.15528124570846558},{"word":"is","start":1764.3049,"end":1764.465,"confidence":0.94384766,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14059236645698547},{"word":"a","start":1764.465,"end":1764.625,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1757173240184784},{"word":"possible","start":1764.625,"end":1765.025,"confidence":1.0,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.1621222048997879},{"word":"claim","start":1765.025,"end":1765.4249,"confidence":0.9970703,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.14137858152389526},{"word":"coming","start":1765.4249,"end":1765.825,"confidence":0.9226074,"punctuated_word":"coming,","sentiment":"neutral","sentiment_score":0.1883039623498917},{"word":"and","start":1765.825,"end":1765.985,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2246064245700836},{"word":"then","start":1765.985,"end":1766.225,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2515922486782074},{"word":"they","start":1766.225,"end":1766.385,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.26133275032043457},{"word":"can","start":1766.385,"end":1766.625,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16483426094055176},{"word":"work","start":1766.625,"end":1766.865,"confidence":0.9980469,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.17958739399909973},{"word":"out","start":1766.865,"end":1767.1849,"confidence":0.9699707,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.2337115108966827},{"word":"you","start":1767.1849,"end":1767.4249,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.158830925822258},{"word":"know","start":1767.4249,"end":1767.585,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.20366647839546204},{"word":"the","start":1767.585,"end":1767.745,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23024263978004456},{"word":"ninety","start":1767.745,"end":1768.065,"confidence":0.9970703,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":0.169101744890213},{"word":"day","start":1768.065,"end":1768.385,"confidence":0.84277344,"punctuated_word":"day","sentiment":"positive","sentiment_score":0.3347741663455963},{"word":"starting","start":1768.385,"end":1768.785,"confidence":0.99902344,"punctuated_word":"starting","sentiment":"positive","sentiment_score":0.4904952943325043},{"word":"point","start":1768.785,"end":1769.105,"confidence":0.9902344,"punctuated_word":"point","sentiment":"positive","sentiment_score":0.5672353506088257},{"word":"and","start":1769.105,"end":1769.345,"confidence":0.64746094,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.41166967153549194},{"word":"just","start":1769.345,"end":1769.505,"confidence":0.9716797,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4933396577835083},{"word":"makes","start":1769.505,"end":1769.745,"confidence":0.8720703,"punctuated_word":"makes","sentiment":"positive","sentiment_score":0.4583615362644195},{"word":"it","start":1769.745,"end":1769.905,"confidence":0.9091797,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.531640887260437},{"word":"a","start":1769.905,"end":1769.985,"confidence":0.95703125,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5711067318916321},{"word":"bit","start":1769.985,"end":1770.145,"confidence":0.9902344,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.5258530378341675},{"word":"easier","start":1770.145,"end":1770.465,"confidence":0.95947266,"punctuated_word":"easier","sentiment":"positive","sentiment_score":0.6466683149337769},{"word":"and","start":1770.465,"end":1770.5449,"confidence":0.7949219,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5511365532875061},{"word":"more","start":1770.5449,"end":1770.785,"confidence":0.9604492,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.5460502505302429},{"word":"streamlined","start":1770.785,"end":1771.265,"confidence":0.9135742,"punctuated_word":"streamlined","sentiment":"positive","sentiment_score":0.4921945929527282},{"word":"there","start":1771.265,"end":1771.585,"confidence":0.9921875,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.5166319608688354},{"word":"for","start":1771.585,"end":1771.745,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.46622195839881897},{"word":"you","start":1771.745,"end":1772.245,"confidence":0.9970703,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.30976128578186035},{"word":"and","start":1772.465,"end":1772.625,"confidence":0.55810547,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.19075916707515717},{"word":"you","start":1772.625,"end":1772.865,"confidence":0.9658203,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25689083337783813},{"word":"do","start":1772.865,"end":1773.025,"confidence":0.6357422,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.20504477620124817},{"word":"have","start":1773.025,"end":1773.1849,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.24515767395496368},{"word":"a","start":1773.1849,"end":1773.345,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22960731387138367},{"word":"five","start":1773.345,"end":1773.585,"confidence":0.984375,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.20015475153923035},{"word":"year","start":1773.585,"end":1773.905,"confidence":0.9902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.223294198513031},{"word":"benefit","start":1773.905,"end":1774.3049,"confidence":0.99609375,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.15908780694007874},{"word":"period","start":1774.3049,"end":1774.625,"confidence":0.90478516,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":0.1994960904121399},{"word":"so","start":1774.625,"end":1774.865,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.22684133052825928},{"word":"it","start":1774.865,"end":1774.945,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.28869444131851196},{"word":"does","start":1774.945,"end":1775.1849,"confidence":0.98095703,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.2535269260406494},{"word":"mean","start":1775.1849,"end":1775.4249,"confidence":1.0,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.22511015832424164},{"word":"you","start":1775.4249,"end":1775.505,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24261197447776792},{"word":"can","start":1775.505,"end":1775.745,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2043522149324417},{"word":"be","start":1775.745,"end":1775.905,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2303436249494553},{"word":"on","start":1775.905,"end":1776.145,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.23077848553657532},{"word":"a","start":1776.145,"end":1776.225,"confidence":0.90234375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22073744237422943},{"word":"claim","start":1776.225,"end":1776.5449,"confidence":1.0,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.1625174582004547},{"word":"for","start":1776.5449,"end":1776.785,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11781184375286102},{"word":"up","start":1776.785,"end":1776.865,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1180422455072403},{"word":"to","start":1776.865,"end":1777.05,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1484379917383194},{"word":"five","start":1777.05,"end":1777.29,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.12935122847557068},{"word":"years","start":1777.29,"end":1777.79,"confidence":0.9975586,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.09729544818401337},{"word":"after","start":1778.25,"end":1778.65,"confidence":0.69189453,"punctuated_word":"After","sentiment":"neutral","sentiment_score":0.050533026456832886},{"word":"that","start":1778.65,"end":1778.9701,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04065817594528198},{"word":"five","start":1778.9701,"end":1779.2101,"confidence":0.9980469,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.055760107934474945},{"word":"years","start":1779.2101,"end":1779.7101,"confidence":0.9980469,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.044928885996341705},{"word":"the","start":1779.77,"end":1779.93,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.021792680025100708},{"word":"claim","start":1779.93,"end":1780.25,"confidence":0.9970703,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.0009419173002243042},{"word":"does","start":1780.25,"end":1780.5701,"confidence":0.9980469,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.009281344711780548},{"word":"stop","start":1780.5701,"end":1780.81,"confidence":0.6816406,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":-0.001291118562221527},{"word":"regardless","start":1780.81,"end":1781.29,"confidence":0.95410156,"punctuated_word":"regardless","sentiment":"neutral","sentiment_score":0.036321841180324554},{"word":"of","start":1781.29,"end":1781.4501,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.012387879192829132},{"word":"whether","start":1781.4501,"end":1781.6901,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.02076900005340576},{"word":"you","start":1781.6901,"end":1781.8501,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.021824628114700317},{"word":"can","start":1781.8501,"end":1782.01,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.04784315824508667},{"word":"work","start":1782.01,"end":1782.3301,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.02969495952129364},{"word":"or","start":1782.3301,"end":1782.49,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.004470489919185638},{"word":"not","start":1782.49,"end":1782.65,"confidence":0.92285156,"punctuated_word":"not,","sentiment":"neutral","sentiment_score":0.013214830309152603},{"word":"but","start":1782.65,"end":1782.81,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0648786798119545},{"word":"i","start":1782.81,"end":1782.89,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16823738813400269},{"word":"do","start":1782.89,"end":1783.13,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.21266639232635495},{"word":"like","start":1783.13,"end":1783.29,"confidence":0.99121094,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2616581618785858},{"word":"a","start":1783.29,"end":1783.37,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2358921468257904},{"word":"five","start":1783.37,"end":1783.6101,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.22948548197746277},{"word":"year","start":1783.6101,"end":1783.8501,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.22400538623332977},{"word":"benefit","start":1783.8501,"end":1784.3301,"confidence":0.9970703,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.19463153183460236},{"word":"period","start":1784.3301,"end":1784.65,"confidence":0.9980469,"punctuated_word":"period.","sentiment":"neutral","sentiment_score":0.20285652577877045},{"word":"it","start":1784.65,"end":1784.81,"confidence":0.97509766,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.18812574446201324},{"word":"means","start":1784.81,"end":1784.9701,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.156204491853714},{"word":"that","start":1784.9701,"end":1785.13,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19434864819049835},{"word":"you're","start":1785.13,"end":1785.37,"confidence":0.6188965,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.19329498708248136},{"word":"you","start":1785.6101,"end":1785.6901,"confidence":0.6748047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15219157934188843},{"word":"know","start":1785.6901,"end":1785.8501,"confidence":0.99121094,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.2132343053817749},{"word":"most","start":1785.8501,"end":1786.0901,"confidence":0.99902344,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.2572813332080841},{"word":"claims","start":1786.0901,"end":1786.49,"confidence":0.99609375,"punctuated_word":"claims","sentiment":"neutral","sentiment_score":0.13534006476402283},{"word":"are","start":1786.49,"end":1786.81,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.19283844530582428},{"word":"completed","start":1786.81,"end":1787.31,"confidence":0.99902344,"punctuated_word":"completed","sentiment":"neutral","sentiment_score":0.1317996233701706},{"word":"within","start":1787.37,"end":1787.6901,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.1439322978258133},{"word":"that","start":1787.6901,"end":1787.77,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1396283656358719},{"word":"sort","start":1787.77,"end":1787.93,"confidence":0.9819336,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.07742618024349213},{"word":"of","start":1787.93,"end":1788.0901,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12760987877845764},{"word":"one","start":1788.0901,"end":1788.25,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.1232462227344513},{"word":"to","start":1788.25,"end":1788.49,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06168108433485031},{"word":"two","start":1788.49,"end":1788.7301,"confidence":0.9951172,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.1284841746091843},{"word":"years","start":1788.7301,"end":1789.2301,"confidence":0.9890137,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.07552795112133026},{"word":"however","start":1789.6101,"end":1790.01,"confidence":0.99853516,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":0.016452033072710037},{"word":"there","start":1790.01,"end":1790.25,"confidence":0.98828125,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.00813506543636322},{"word":"are","start":1790.25,"end":1790.41,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0023641064763069153},{"word":"instances","start":1790.41,"end":1790.91,"confidence":1.0,"punctuated_word":"instances","sentiment":"neutral","sentiment_score":-0.001796238124370575},{"word":"where","start":1791.05,"end":1791.29,"confidence":0.9892578,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.016071058809757233},{"word":"maybe","start":1791.29,"end":1791.6101,"confidence":0.9790039,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.0001090019941329956},{"word":"you","start":1791.6101,"end":1791.77,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.024989381432533264},{"word":"need","start":1791.77,"end":1792.01,"confidence":0.9819336,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.03961974382400513},{"word":"to","start":1792.01,"end":1792.0901,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.043742064386606216},{"word":"be","start":1792.0901,"end":1792.17,"confidence":0.97265625,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.04688695818185806},{"word":"on","start":1792.17,"end":1792.3301,"confidence":0.9941406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.05038881301879883},{"word":"a","start":1792.3301,"end":1792.41,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.015844888985157013},{"word":"partial","start":1792.41,"end":1792.81,"confidence":0.97802734,"punctuated_word":"partial","sentiment":"neutral","sentiment_score":-0.06966061890125275},{"word":"claim","start":1792.81,"end":1792.935,"confidence":0.55908203,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.04986366629600525},{"word":"for","start":1793.015,"end":1793.255,"confidence":0.5053711,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.040651917457580566},{"word":"a","start":1793.255,"end":1793.3351,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05488192290067673},{"word":"little","start":1793.3351,"end":1793.415,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.037534408271312714},{"word":"bit","start":1793.415,"end":1793.655,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.07832831144332886},{"word":"longer","start":1793.655,"end":1793.9751,"confidence":0.7680664,"punctuated_word":"longer,","sentiment":"neutral","sentiment_score":-0.020042475312948227},{"word":"so","start":1793.9751,"end":1794.2151,"confidence":0.9892578,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.09233791381120682},{"word":"having","start":1794.2151,"end":1794.4551,"confidence":0.9980469,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.1379958689212799},{"word":"that","start":1794.4551,"end":1794.6951,"confidence":0.78125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15795153379440308},{"word":"five","start":1794.6951,"end":1794.8551,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.1200198382139206},{"word":"year","start":1794.8551,"end":1795.175,"confidence":0.99609375,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.14439597725868225},{"word":"benefit","start":1795.175,"end":1795.5751,"confidence":0.89746094,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.10010940581560136},{"word":"period","start":1795.5751,"end":1795.895,"confidence":0.9248047,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.15773575007915497},{"word":"can","start":1795.895,"end":1796.135,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16234701871871948},{"word":"provide","start":1796.135,"end":1796.295,"confidence":1.0,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.14896711707115173},{"word":"a","start":1796.295,"end":1796.4551,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.093498557806015},{"word":"bit","start":1796.4551,"end":1796.6951,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0623178705573082},{"word":"of","start":1796.6951,"end":1796.8551,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07224776595830917},{"word":"a","start":1796.8551,"end":1796.935,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06064402684569359},{"word":"buffer","start":1796.935,"end":1797.255,"confidence":0.9980469,"punctuated_word":"buffer","sentiment":"neutral","sentiment_score":0.03385096788406372},{"word":"there","start":1797.255,"end":1797.755,"confidence":0.9995117,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.03163530305027962},{"word":"are","start":1798.935,"end":1799.0951,"confidence":0.9086914,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.038842156529426575},{"word":"you","start":1799.0951,"end":1799.3351,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03648405522108078},{"word":"sort","start":1799.3351,"end":1799.5751,"confidence":0.94921875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.02312843501567841},{"word":"of","start":1799.5751,"end":1799.7351,"confidence":0.7963867,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.044256165623664856},{"word":"happy","start":1799.7351,"end":1799.9751,"confidence":0.99902344,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":-0.04715156555175781},{"word":"with","start":1799.9751,"end":1800.135,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.03343974053859711},{"word":"the","start":1800.135,"end":1800.295,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0014144182205200195},{"word":"waiting","start":1800.295,"end":1800.6151,"confidence":0.99609375,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.07438673824071884},{"word":"and","start":1800.6151,"end":1800.775,"confidence":0.9453125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.014254018664360046},{"word":"benefit","start":1800.775,"end":1801.255,"confidence":0.9902344,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.05300255119800568},{"word":"periods","start":1801.255,"end":1801.5751,"confidence":0.9248047,"punctuated_word":"periods","sentiment":"neutral","sentiment_score":0.12240147590637208},{"word":"of","start":1801.5751,"end":1801.7351,"confidence":0.7739258,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.025365695357322693},{"word":"those","start":1801.7351,"end":1801.9751,"confidence":0.96972656,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.022897914052009583},{"word":"at","start":1801.9751,"end":1802.055,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.05175472050905228},{"word":"the","start":1802.055,"end":1802.2151,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.006785251200199127},{"word":"moment","start":1802.2151,"end":1802.7151,"confidence":0.9316406,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.03461945056915283},{"word":"or","start":1802.775,"end":1803.275,"confidence":0.99609375,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.03666737303137779},{"word":"yes","start":1804.535,"end":1804.95,"confidence":0.7819824,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.2491503059864044},{"word":"beautiful","start":1805.11,"end":1805.4299,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5769176483154297},{"word":"do","start":1805.4299,"end":1805.6699,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.21741552650928497},{"word":"you","start":1805.6699,"end":1805.75,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2522984445095062},{"word":"have","start":1805.75,"end":1805.9099,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17810319364070892},{"word":"any","start":1805.9099,"end":1806.1499,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.20367765426635745},{"word":"questions","start":1806.1499,"end":1806.5499,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.17533518373966217},{"word":"about","start":1806.5499,"end":1806.7899,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.11887872964143752},{"word":"the","start":1806.7899,"end":1806.95,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0766601637005806},{"word":"insurances","start":1806.95,"end":1807.45,"confidence":0.93098956,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.09943874925374983},{"word":"how","start":1807.51,"end":1807.75,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1346375048160553},{"word":"they're","start":1807.75,"end":1808.07,"confidence":0.99121094,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.1539979726076126},{"word":"structured","start":1808.07,"end":1808.57,"confidence":0.83496094,"punctuated_word":"structured,","sentiment":"neutral","sentiment_score":0.12673822045326233},{"word":"or","start":1808.7899,"end":1809.11,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.17350488901138306},{"word":"what","start":1809.11,"end":1809.2699,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.15970605611801147},{"word":"you","start":1809.2699,"end":1809.4299,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2034829407930374},{"word":"can","start":1809.4299,"end":1809.59,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16704854369163513},{"word":"claim","start":1809.59,"end":1810.09,"confidence":0.8623047,"punctuated_word":"claim,","sentiment":"neutral","sentiment_score":0.11154596507549286},{"word":"or","start":1810.3099,"end":1810.63,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.10515495389699936},{"word":"anything","start":1810.63,"end":1811.13,"confidence":0.99560547,"punctuated_word":"anything?","sentiment":"neutral","sentiment_score":0.08232556283473969},{"word":"no","start":1813.2699,"end":1813.7699,"confidence":0.9550781,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.13015557825565338},{"word":"that's","start":1814.1499,"end":1814.5499,"confidence":0.9970703,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.0071930838748812675},{"word":"okay","start":1814.5499,"end":1815.0499,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.1129612922668457},{"word":"beautiful","start":1815.11,"end":1815.61,"confidence":0.9980469,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4867761731147766},{"word":"and","start":1816.3899,"end":1816.63,"confidence":0.58691406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.31470608711242676},{"word":"it","start":1816.63,"end":1816.7899,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.35837340354919434},{"word":"looks","start":1816.7899,"end":1816.95,"confidence":1.0,"punctuated_word":"looks","sentiment":"positive","sentiment_score":0.3892933130264282},{"word":"like","start":1816.95,"end":1817.11,"confidence":0.99902344,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.3396996259689331},{"word":"you","start":1817.11,"end":1817.2699,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.32998502254486084},{"word":"don't","start":1817.2699,"end":1817.51,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.22105717658996585},{"word":"have","start":1817.51,"end":1817.75,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.19169121980667111},{"word":"any","start":1817.75,"end":1817.99,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.13596190512180328},{"word":"additional","start":1817.99,"end":1818.3099,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.0246715247631073},{"word":"insurances","start":1818.3099,"end":1818.8099,"confidence":0.9995117,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.036397360265254974},{"word":"that","start":1818.87,"end":1819.0299,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15809951722621918},{"word":"can","start":1819.0299,"end":1819.2699,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14671526849269867},{"word":"be","start":1819.2699,"end":1819.35,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.167936310172081},{"word":"held","start":1819.35,"end":1819.59,"confidence":1.0,"punctuated_word":"held","sentiment":"neutral","sentiment_score":0.2012292444705963},{"word":"outside","start":1819.59,"end":1820.085,"confidence":0.9941406,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.07483044266700745},{"word":"sleep","start":1820.085,"end":1820.325,"confidence":0.42993164,"punctuated_word":"sleep.","sentiment":"neutral","sentiment_score":0.11591804772615431},{"word":"but","start":1820.325,"end":1820.485,"confidence":0.61621094,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.10601378232240675},{"word":"i'm","start":1820.485,"end":1820.565,"confidence":0.89453125,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.09051799774169922},{"word":"having","start":1820.565,"end":1820.885,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.0929654985666275},{"word":"a","start":1820.885,"end":1820.965,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07853875309228897},{"word":"bit","start":1820.965,"end":1821.125,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09574195742607115},{"word":"of","start":1821.125,"end":1821.205,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13048535585403442},{"word":"a","start":1821.205,"end":1821.2849,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08047705888748169},{"word":"look","start":1821.2849,"end":1821.5249,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09688488394021988},{"word":"here","start":1821.5249,"end":1821.765,"confidence":0.9526367,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.12098030745983124},{"word":"i","start":1821.765,"end":1821.845,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12371205538511276},{"word":"can","start":1821.845,"end":1822.005,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13006190955638883},{"word":"see","start":1822.005,"end":1822.1649,"confidence":0.9970703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.14648431539535522},{"word":"that","start":1822.1649,"end":1822.325,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10865256190299988},{"word":"you've","start":1822.325,"end":1822.565,"confidence":0.99902344,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.08966609090566635},{"word":"got","start":1822.565,"end":1822.885,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08510972559452057},{"word":"three","start":1822.885,"end":1823.2849,"confidence":0.99902344,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.051472969353199005},{"word":"kids","start":1823.2849,"end":1823.765,"confidence":0.92749023,"punctuated_word":"kids,","sentiment":"neutral","sentiment_score":0.08490809053182602},{"word":"three","start":1823.765,"end":1824.085,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.07996731996536255},{"word":"dependents","start":1824.085,"end":1824.565,"confidence":0.9916992,"punctuated_word":"dependents","sentiment":"neutral","sentiment_score":0.08654068410396576},{"word":"at","start":1824.565,"end":1824.725,"confidence":0.97509766,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07581809163093567},{"word":"home","start":1824.725,"end":1824.965,"confidence":1.0,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.0824846476316452},{"word":"as","start":1824.965,"end":1825.125,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15661035478115082},{"word":"well","start":1825.125,"end":1825.2849,"confidence":0.99902344,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.13022172451019287},{"word":"is","start":1825.2849,"end":1825.445,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.10716798901557922},{"word":"that","start":1825.445,"end":1825.605,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1038924753665924},{"word":"right","start":1825.605,"end":1826.105,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.09064967930316924},{"word":"yeah","start":1827.5249,"end":1828.0249,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.029608651995658875},{"word":"what","start":1828.085,"end":1828.325,"confidence":0.9316406,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.020191863179206848},{"word":"ages","start":1828.325,"end":1828.725,"confidence":0.9921875,"punctuated_word":"ages","sentiment":"neutral","sentiment_score":0.02272823080420494},{"word":"are","start":1828.725,"end":1828.885,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.02314339205622673},{"word":"they","start":1828.885,"end":1829.385,"confidence":1.0,"punctuated_word":"they?","sentiment":"neutral","sentiment_score":0.02326854318380356},{"word":"wow","start":1832.66,"end":1833.16,"confidence":0.9970703,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.07885850965976715},{"word":"all","start":1833.62,"end":1833.86,"confidence":0.984375,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.06046370416879654},{"word":"teenagers","start":1833.86,"end":1834.36,"confidence":0.986084,"punctuated_word":"teenagers.","sentiment":"neutral","sentiment_score":0.07467275857925415},{"word":"wow","start":1838.98,"end":1839.38,"confidence":0.95166016,"punctuated_word":"Wow.","sentiment":"positive","sentiment_score":0.5236108303070068},{"word":"that's","start":1839.38,"end":1839.7,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.7216417789459229},{"word":"exciting","start":1839.7,"end":1840.2,"confidence":1.0,"punctuated_word":"exciting.","sentiment":"positive","sentiment_score":0.5866130590438843},{"word":"so","start":1841.7,"end":1841.94,"confidence":0.640625,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22736339271068573},{"word":"there","start":1841.94,"end":1842.1799,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.20177176594734192},{"word":"are","start":1842.1799,"end":1842.4199,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.21602782607078552},{"word":"additional","start":1842.4199,"end":1842.9,"confidence":0.99902344,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.17512935400009155},{"word":"insurances","start":1842.9,"end":1843.4,"confidence":0.99902344,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.14360348880290985},{"word":"outside","start":1843.5399,"end":1843.94,"confidence":0.9863281,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.16050489246845245},{"word":"of","start":1843.94,"end":1844.1,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1396004557609558},{"word":"life","start":1844.1,"end":1844.4199,"confidence":0.64990234,"punctuated_word":"Life","sentiment":"neutral","sentiment_score":0.119357667863369},{"word":"tbd","start":1844.4199,"end":1844.9199,"confidence":0.29467773,"punctuated_word":"TBD","sentiment":"neutral","sentiment_score":0.11017857491970062},{"word":"income","start":1844.98,"end":1845.2999,"confidence":0.5151367,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.1396145075559616},{"word":"protection","start":1845.2999,"end":1845.7,"confidence":0.9980469,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.14358067512512207},{"word":"that","start":1845.7,"end":1845.86,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23432211577892303},{"word":"you","start":1845.86,"end":1846.02,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2627578377723694},{"word":"could","start":1846.02,"end":1846.26,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.260949045419693},{"word":"always","start":1846.26,"end":1846.58,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.28697410225868225},{"word":"look","start":1846.58,"end":1846.82,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.20216816663742063},{"word":"to","start":1846.82,"end":1846.98,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24586880207061768},{"word":"apply","start":1846.98,"end":1847.2999,"confidence":1.0,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":0.2172558605670929},{"word":"for","start":1847.2999,"end":1847.7999,"confidence":0.99902344,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":0.185430109500885},{"word":"we","start":1848.1849,"end":1848.345,"confidence":0.9741211,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.05592652410268784},{"word":"have","start":1848.345,"end":1848.585,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05738474801182747},{"word":"other","start":1848.585,"end":1848.905,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.03735817223787308},{"word":"insurances","start":1848.905,"end":1849.385,"confidence":0.90893555,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.020272452384233475},{"word":"like","start":1849.385,"end":1849.625,"confidence":0.83984375,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.05378318950533867},{"word":"trauma","start":1849.625,"end":1850.025,"confidence":0.87158203,"punctuated_word":"trauma,","sentiment":"neutral","sentiment_score":0.10488025844097136},{"word":"which","start":1850.025,"end":1850.345,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.14142128825187683},{"word":"pays","start":1850.345,"end":1850.585,"confidence":0.9902344,"punctuated_word":"pays","sentiment":"neutral","sentiment_score":0.1199071928858757},{"word":"out","start":1850.585,"end":1850.745,"confidence":0.71972656,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1876140981912613},{"word":"a","start":1850.745,"end":1850.905,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1601826399564743},{"word":"lump","start":1850.905,"end":1851.145,"confidence":1.0,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.18253540992736816},{"word":"sum","start":1851.145,"end":1851.545,"confidence":0.9892578,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.21392282843589783},{"word":"tax","start":1851.545,"end":1851.785,"confidence":0.96240234,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.3324725925922394},{"word":"free","start":1851.785,"end":1852.105,"confidence":0.95947266,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.1887226402759552},{"word":"benefit","start":1852.105,"end":1852.585,"confidence":0.9921875,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.15995021164417267},{"word":"in","start":1852.585,"end":1852.745,"confidence":0.98535156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1607496589422226},{"word":"the","start":1852.745,"end":1852.905,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12581953406333923},{"word":"event","start":1852.905,"end":1853.225,"confidence":1.0,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.0957220196723938},{"word":"that","start":1853.225,"end":1853.385,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06796591728925705},{"word":"you're","start":1853.385,"end":1853.625,"confidence":0.99121094,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.041611284017562866},{"word":"diagnosed","start":1853.625,"end":1854.105,"confidence":0.9980469,"punctuated_word":"diagnosed","sentiment":"neutral","sentiment_score":-0.007439471781253815},{"word":"with","start":1854.105,"end":1854.345,"confidence":0.92285156,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":-0.0012117139995098114},{"word":"say","start":1854.345,"end":1854.845,"confidence":0.9951172,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.017582811415195465},{"word":"parkinson's","start":1855.145,"end":1855.645,"confidence":0.90559894,"punctuated_word":"Parkinson's,","sentiment":"neutral","sentiment_score":0.009555775672197342},{"word":"have","start":1855.865,"end":1856.025,"confidence":0.9951172,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.029149308800697327},{"word":"a","start":1856.025,"end":1856.1849,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.044362060725688934},{"word":"heart","start":1856.1849,"end":1856.425,"confidence":1.0,"punctuated_word":"heart","sentiment":"neutral","sentiment_score":-0.014616265892982485},{"word":"attack","start":1856.425,"end":1856.745,"confidence":0.8251953,"punctuated_word":"attack,","sentiment":"neutral","sentiment_score":0.008554037660360336},{"word":"or","start":1856.745,"end":1857.065,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.017760910093784332},{"word":"a","start":1857.065,"end":1857.225,"confidence":0.5234375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01965893805027008},{"word":"stroke","start":1857.225,"end":1857.545,"confidence":0.75,"punctuated_word":"stroke,","sentiment":"neutral","sentiment_score":0.0007573626935482025},{"word":"cancer","start":1857.545,"end":1857.945,"confidence":0.9394531,"punctuated_word":"cancer","sentiment":"neutral","sentiment_score":0.03795215487480163},{"word":"is","start":1857.945,"end":1858.025,"confidence":0.6977539,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.010817930102348328},{"word":"probably","start":1858.025,"end":1858.425,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.0565667450428009},{"word":"the","start":1858.425,"end":1858.505,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.016680479049682617},{"word":"biggest","start":1858.505,"end":1858.905,"confidence":1.0,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":0.023699864745140076},{"word":"one","start":1858.905,"end":1859.405,"confidence":0.99853516,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.02615576609969139},{"word":"we","start":1859.785,"end":1859.945,"confidence":0.6411133,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.07444062829017639},{"word":"can","start":1859.945,"end":1860.1849,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10557599365711212},{"word":"also","start":1860.1849,"end":1860.505,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.08064714074134827},{"word":"apply","start":1860.505,"end":1860.905,"confidence":0.9980469,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":0.07812223583459854},{"word":"for","start":1860.905,"end":1861.225,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.061305250972509384},{"word":"and","start":1861.225,"end":1861.625,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0408434197306633},{"word":"obtain","start":1861.625,"end":1862.105,"confidence":0.9758301,"punctuated_word":"obtain,","sentiment":"neutral","sentiment_score":0.057414088398218155},{"word":"like","start":1862.105,"end":1862.425,"confidence":0.9970703,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.07110124081373215},{"word":"child","start":1862.425,"end":1862.745,"confidence":0.99902344,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.06486286222934723},{"word":"trauma","start":1862.745,"end":1863.225,"confidence":1.0,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.04358764737844467},{"word":"policies","start":1863.225,"end":1863.725,"confidence":0.95166016,"punctuated_word":"policies,","sentiment":"neutral","sentiment_score":0.08709797263145447},{"word":"which","start":1863.9199,"end":1864.4199,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.11322856694459917},{"word":"in","start":1864.72,"end":1864.96,"confidence":0.55859375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07867810130119324},{"word":"the","start":1864.96,"end":1865.12,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06829380244016647},{"word":"event","start":1865.12,"end":1865.36,"confidence":0.99902344,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.09917936474084854},{"word":"that","start":1865.36,"end":1865.52,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06653352826833725},{"word":"your","start":1865.52,"end":1865.76,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06079386547207832},{"word":"child","start":1865.76,"end":1866.26,"confidence":1.0,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.03891034051775932},{"word":"is","start":1866.32,"end":1866.72,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04830557852983475},{"word":"diagnosed","start":1866.72,"end":1867.22,"confidence":0.99902344,"punctuated_word":"diagnosed","sentiment":"neutral","sentiment_score":0.03725098446011543},{"word":"with","start":1867.44,"end":1867.94,"confidence":0.9616699,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.05164247751235962},{"word":"like","start":1868.08,"end":1868.32,"confidence":0.9394531,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.061870232224464417},{"word":"a","start":1868.32,"end":1868.5599,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06822304427623749},{"word":"traumatic","start":1868.5599,"end":1869.0599,"confidence":0.99902344,"punctuated_word":"traumatic","sentiment":"neutral","sentiment_score":0.03844337537884712},{"word":"condition","start":1869.2799,"end":1869.76,"confidence":0.83325195,"punctuated_word":"condition,","sentiment":"neutral","sentiment_score":0.08643840253353119},{"word":"can","start":1869.76,"end":1869.9199,"confidence":0.77441406,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09402497112751008},{"word":"also","start":1869.9199,"end":1870.1599,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.08949168771505356},{"word":"pay","start":1870.1599,"end":1870.32,"confidence":0.98828125,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.08627800643444061},{"word":"out","start":1870.32,"end":1870.48,"confidence":0.7783203,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.11375666409730913},{"word":"a","start":1870.48,"end":1870.64,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10467315465211868},{"word":"lump","start":1870.64,"end":1870.7999,"confidence":0.99902344,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.11537113040685654},{"word":"sum","start":1870.7999,"end":1871.0399,"confidence":0.9873047,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.1403733193874359},{"word":"tax","start":1871.0399,"end":1871.36,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.2145642638206482},{"word":"free","start":1871.36,"end":1871.52,"confidence":0.9404297,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.11118648201227188},{"word":"benefit","start":1871.52,"end":1872.0,"confidence":0.9580078,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.12110967934131622},{"word":"there","start":1872.0,"end":1872.5,"confidence":0.9980469,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0868525356054306},{"word":"those","start":1872.5599,"end":1872.88,"confidence":0.97509766,"punctuated_word":"Those","sentiment":"neutral","sentiment_score":0.05563589558005333},{"word":"are","start":1872.88,"end":1873.0399,"confidence":0.62841797,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.02781042270362377},{"word":"the","start":1873.0399,"end":1873.2,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03256857767701149},{"word":"types","start":1873.2,"end":1873.52,"confidence":0.984375,"punctuated_word":"types","sentiment":"neutral","sentiment_score":0.02905000001192093},{"word":"of","start":1873.52,"end":1873.6799,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04429759830236435},{"word":"insurances","start":1873.6799,"end":1874.1799,"confidence":0.98706055,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.03156082332134247},{"word":"you","start":1874.32,"end":1874.48,"confidence":0.8720703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.034378547221422195},{"word":"can't","start":1874.48,"end":1874.72,"confidence":0.99902344,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":0.02894866093993187},{"word":"hold","start":1874.72,"end":1874.96,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.012034840881824492},{"word":"inside","start":1874.96,"end":1875.36,"confidence":0.6444092,"punctuated_word":"inside.","sentiment":"neutral","sentiment_score":0.02633462101221085},{"word":"so","start":1875.36,"end":1875.6,"confidence":0.97509766,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04513879120349884},{"word":"if","start":1875.6,"end":1875.76,"confidence":0.96533203,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04264445602893829},{"word":"they","start":1875.76,"end":1875.9199,"confidence":0.77978516,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.02851156145334244},{"word":"are","start":1875.9199,"end":1876.08,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.02750419080257416},{"word":"an","start":1876.08,"end":1876.24,"confidence":0.9970703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.03242427110671997},{"word":"external","start":1876.24,"end":1876.74,"confidence":1.0,"punctuated_word":"external","sentiment":"neutral","sentiment_score":0.017112459987401962},{"word":"cost","start":1876.7999,"end":1877.2999,"confidence":0.9951172,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.012412242591381071},{"word":"added","start":1877.36,"end":1877.6,"confidence":0.5332031,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.01605406403541565},{"word":"to","start":1877.6,"end":1877.6799,"confidence":0.33251953,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.023574646562337875},{"word":"your","start":1877.6799,"end":1877.84,"confidence":0.75634766,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.028136014938354492},{"word":"back","start":1877.84,"end":1878.08,"confidence":0.94628906,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.02130141109228134},{"word":"pocket","start":1878.08,"end":1878.58,"confidence":0.8720703,"punctuated_word":"pocket,","sentiment":"neutral","sentiment_score":0.02033517509698868},{"word":"did","start":1878.815,"end":1878.895,"confidence":0.9970703,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.009081706404685974},{"word":"you","start":1878.895,"end":1879.135,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03724023327231407},{"word":"wanna","start":1879.135,"end":1879.375,"confidence":0.98828125,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.03939307481050491},{"word":"look","start":1879.375,"end":1879.615,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.02366124838590622},{"word":"at","start":1879.615,"end":1879.855,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.009753376245498655},{"word":"an","start":1879.855,"end":1880.015,"confidence":0.50927734,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.021856781095266346},{"word":"additional","start":1880.015,"end":1880.495,"confidence":0.9970703,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.011519942432641985},{"word":"cover","start":1880.495,"end":1880.735,"confidence":0.7089844,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":0.02110614627599716},{"word":"or","start":1880.735,"end":1880.895,"confidence":0.9760742,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.029172703623771667},{"word":"you're","start":1880.895,"end":1881.0549,"confidence":0.765625,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.027450021356344223},{"word":"just","start":1881.0549,"end":1881.295,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.017333272844552994},{"word":"happy","start":1881.295,"end":1881.455,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.027506191283464432},{"word":"with","start":1881.455,"end":1881.695,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08990010619163513},{"word":"the","start":1881.695,"end":1881.855,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12856820225715637},{"word":"covers","start":1881.855,"end":1882.1749,"confidence":0.9741211,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":0.0800965204834938},{"word":"that","start":1882.1749,"end":1882.255,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11861720681190492},{"word":"you","start":1882.255,"end":1882.415,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1006467193365097},{"word":"have","start":1882.415,"end":1882.655,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1141251027584076},{"word":"at","start":1882.655,"end":1882.815,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04895726591348648},{"word":"the","start":1882.815,"end":1882.895,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06176501885056496},{"word":"moment","start":1882.895,"end":1883.395,"confidence":0.99853516,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.10640694200992584},{"word":"happy","start":1886.335,"end":1886.835,"confidence":0.8444824,"punctuated_word":"Happy?","sentiment":"positive","sentiment_score":0.5960066318511963},{"word":"that's","start":1886.895,"end":1887.215,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3932066857814789},{"word":"okay","start":1887.215,"end":1887.715,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.3225667476654053},{"word":"if","start":1888.1749,"end":1888.335,"confidence":0.7949219,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.22192488610744476},{"word":"you","start":1888.335,"end":1888.495,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1747947484254837},{"word":"ever","start":1888.495,"end":1888.815,"confidence":1.0,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.18558840453624725},{"word":"wanna","start":1888.815,"end":1889.135,"confidence":0.99609375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.16790902614593506},{"word":"have","start":1889.135,"end":1889.295,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1511835753917694},{"word":"more","start":1889.295,"end":1889.455,"confidence":0.9863281,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1121535524725914},{"word":"of","start":1889.455,"end":1889.615,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15533782541751862},{"word":"a","start":1889.615,"end":1889.775,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1980474889278412},{"word":"conversation","start":1889.775,"end":1890.275,"confidence":0.99902344,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.16747458279132843},{"word":"or","start":1890.335,"end":1890.575,"confidence":0.9921875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1882675737142563},{"word":"find","start":1890.575,"end":1890.735,"confidence":0.99121094,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.1595764309167862},{"word":"out","start":1890.735,"end":1890.895,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.14165526628494263},{"word":"more","start":1890.895,"end":1891.135,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.11156949400901794},{"word":"about","start":1891.135,"end":1891.375,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.14018656313419342},{"word":"these","start":1891.375,"end":1891.615,"confidence":1.0,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.1844335645437241},{"word":"other","start":1891.615,"end":1891.855,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.15107661485671997},{"word":"types","start":1891.855,"end":1892.1749,"confidence":0.99902344,"punctuated_word":"types","sentiment":"neutral","sentiment_score":0.12171603739261629},{"word":"of","start":1892.1749,"end":1892.255,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20620253682136536},{"word":"insurances","start":1892.255,"end":1892.755,"confidence":0.99609375,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.15110963582992554},{"word":"please","start":1892.895,"end":1893.295,"confidence":0.9970703,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.19278563559055328},{"word":"let","start":1893.295,"end":1893.535,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.22075438499450684},{"word":"me","start":1893.535,"end":1893.695,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2230692356824875},{"word":"know","start":1893.695,"end":1894.195,"confidence":0.9309082,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.23412945866584775},{"word":"just","start":1894.29,"end":1894.79,"confidence":0.7080078,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.2061934620141983},{"word":"making","start":1894.8501,"end":1895.17,"confidence":0.99902344,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.18423986434936523},{"word":"sure","start":1895.17,"end":1895.3301,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.23294883966445923},{"word":"that","start":1895.3301,"end":1895.41,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2802288830280304},{"word":"you've","start":1895.41,"end":1895.5701,"confidence":0.99365234,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.30431729555130005},{"word":"got","start":1895.5701,"end":1895.73,"confidence":0.9921875,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2905868589878082},{"word":"all","start":1895.73,"end":1895.89,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.27318036556243896},{"word":"the","start":1895.89,"end":1896.05,"confidence":0.92089844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2754484713077545},{"word":"information","start":1896.05,"end":1896.55,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.2998058795928955},{"word":"there","start":1896.61,"end":1896.8501,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.3122863173484802},{"word":"and","start":1896.8501,"end":1897.01,"confidence":0.91845703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2522726058959961},{"word":"that","start":1897.01,"end":1897.17,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26328542828559875},{"word":"you","start":1897.17,"end":1897.3301,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.327934205532074},{"word":"can","start":1897.3301,"end":1897.49,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2987724542617798},{"word":"make","start":1897.49,"end":1897.65,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.281721293926239},{"word":"an","start":1897.65,"end":1897.81,"confidence":0.9951172,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.31057462096214294},{"word":"informed","start":1897.81,"end":1898.2101,"confidence":0.9838867,"punctuated_word":"informed","sentiment":"neutral","sentiment_score":0.2932320535182953},{"word":"decision","start":1898.2101,"end":1898.7101,"confidence":0.79467773,"punctuated_word":"decision.","sentiment":"neutral","sentiment_score":0.295590341091156},{"word":"easy","start":1898.93,"end":1899.43,"confidence":0.984375,"punctuated_word":"Easy.","sentiment":"positive","sentiment_score":0.43624186515808105},{"word":"fantastic","start":1900.6901,"end":1901.1901,"confidence":0.9980469,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.7136625051498413},{"word":"i","start":1901.49,"end":1901.5701,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4597121477127075},{"word":"mean","start":1901.5701,"end":1901.89,"confidence":0.99902344,"punctuated_word":"mean,","sentiment":"positive","sentiment_score":0.4319617748260498},{"word":"realistically","start":1901.89,"end":1902.37,"confidence":0.99853516,"punctuated_word":"realistically,","sentiment":"positive","sentiment_score":0.4333493709564209},{"word":"when","start":1902.37,"end":1902.61,"confidence":1.0,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.34387901425361633},{"word":"you","start":1902.61,"end":1902.6901,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3344084322452545},{"word":"think","start":1902.6901,"end":1902.8501,"confidence":1.0,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.35221871733665466},{"word":"of","start":1902.8501,"end":1903.01,"confidence":0.98535156,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.435980886220932},{"word":"all","start":1903.01,"end":1903.0901,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4017501175403595},{"word":"the","start":1903.0901,"end":1903.17,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3749004900455475},{"word":"insurances","start":1903.17,"end":1903.65,"confidence":0.9980469,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.2524655759334564},{"word":"you","start":1903.65,"end":1903.81,"confidence":0.9760742,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.35279613733291626},{"word":"can","start":1903.81,"end":1903.9701,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.39085912704467773},{"word":"have","start":1903.9701,"end":1904.13,"confidence":0.99902344,"punctuated_word":"have,","sentiment":"positive","sentiment_score":0.41757869720458984},{"word":"you","start":1904.13,"end":1904.29,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.48412778973579407},{"word":"can","start":1904.29,"end":1904.4501,"confidence":0.99902344,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3995484709739685},{"word":"basically","start":1904.4501,"end":1904.8501,"confidence":0.99609375,"punctuated_word":"basically","sentiment":"positive","sentiment_score":0.4097474813461304},{"word":"insure","start":1904.8501,"end":1905.17,"confidence":0.75,"punctuated_word":"insure","sentiment":"neutral","sentiment_score":0.3184080719947815},{"word":"everything","start":1905.17,"end":1905.5701,"confidence":1.0,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.37144505977630615},{"word":"to","start":1905.5701,"end":1905.65,"confidence":0.97314453,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3853376507759094},{"word":"the","start":1905.65,"end":1905.81,"confidence":0.97998047,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3670876324176788},{"word":"health","start":1905.81,"end":1906.05,"confidence":0.5810547,"punctuated_word":"health","sentiment":"neutral","sentiment_score":0.2516278028488159},{"word":"care","start":1906.05,"end":1906.29,"confidence":0.5157471,"punctuated_word":"care.","sentiment":"neutral","sentiment_score":0.3035726547241211},{"word":"this","start":1906.29,"end":1906.53,"confidence":0.4802246,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.181612029671669},{"word":"is","start":1906.53,"end":1906.61,"confidence":0.97998047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11243882775306702},{"word":"the","start":1906.61,"end":1906.77,"confidence":0.96533203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15874524414539337},{"word":"out","start":1906.77,"end":1906.93,"confidence":0.99121094,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1656125783920288},{"word":"of","start":1906.93,"end":1907.01,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11400086432695387},{"word":"pocket","start":1907.01,"end":1907.41,"confidence":0.99902344,"punctuated_word":"pocket","sentiment":"neutral","sentiment_score":0.12897437810897827},{"word":"expense","start":1907.41,"end":1907.73,"confidence":0.9741211,"punctuated_word":"expense","sentiment":"neutral","sentiment_score":0.13320396840572357},{"word":"for","start":1907.73,"end":1907.9701,"confidence":0.95947266,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15076816082000732},{"word":"doing","start":1907.9701,"end":1908.2101,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.21160727739334104},{"word":"that","start":1908.2101,"end":1908.7101,"confidence":0.9975586,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.21441534161567688},{"word":"beautiful","start":1911.335,"end":1911.835,"confidence":0.99609375,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.535851001739502},{"word":"beautiful","start":1911.8949,"end":1912.3949,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.47973883152008057},{"word":"and","start":1913.1749,"end":1913.495,"confidence":0.7402344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.14909294247627258},{"word":"now","start":1913.495,"end":1913.815,"confidence":0.9873047,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.13515061140060425},{"word":"so","start":1913.815,"end":1914.0549,"confidence":0.38964844,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0906827449798584},{"word":"just","start":1914.0549,"end":1914.215,"confidence":0.9716797,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.092609740793705},{"word":"having","start":1914.215,"end":1914.455,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.07891843467950821},{"word":"a","start":1914.455,"end":1914.5349,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06583940982818604},{"word":"look","start":1914.5349,"end":1914.9349,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.05015445128083229},{"word":"with","start":1914.9349,"end":1915.1749,"confidence":0.8178711,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06645253300666809},{"word":"your","start":1915.1749,"end":1915.4149,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0737883597612381},{"word":"expenditure","start":1915.4149,"end":1915.9149,"confidence":0.8483887,"punctuated_word":"expenditure,","sentiment":"neutral","sentiment_score":0.05418790876865387},{"word":"are","start":1916.0549,"end":1916.2949,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.026900514960289},{"word":"you","start":1916.2949,"end":1916.455,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03526618331670761},{"word":"finding","start":1916.455,"end":1916.855,"confidence":1.0,"punctuated_word":"finding","sentiment":"neutral","sentiment_score":0.03457750380039215},{"word":"are","start":1916.9349,"end":1917.0149,"confidence":0.9951172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.01959225907921791},{"word":"you","start":1917.0149,"end":1917.1749,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04201867803931236},{"word":"guys","start":1917.1749,"end":1917.4149,"confidence":0.9770508,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.07097918540239334},{"word":"finding","start":1917.4149,"end":1917.735,"confidence":0.99902344,"punctuated_word":"finding","sentiment":"neutral","sentiment_score":0.06633869558572769},{"word":"that","start":1917.735,"end":1917.8949,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.049777813255786896},{"word":"you","start":1917.8949,"end":1918.1349,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0762183666229248},{"word":"are","start":1918.1349,"end":1918.375,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05949431285262108},{"word":"able","start":1918.375,"end":1918.695,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.09782185405492784},{"word":"to","start":1918.695,"end":1918.9349,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09918376803398132},{"word":"save","start":1918.9349,"end":1919.1749,"confidence":1.0,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.08864894509315491},{"word":"a","start":1919.1749,"end":1919.335,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09663794934749605},{"word":"little","start":1919.335,"end":1919.495,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.08954782038927078},{"word":"bit","start":1919.495,"end":1919.615,"confidence":0.99121094,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09328391402959824},{"word":"at","start":1919.615,"end":1919.735,"confidence":0.97509766,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05601192265748978},{"word":"the","start":1919.735,"end":1919.8949,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07945694029331207},{"word":"moment","start":1919.8949,"end":1920.215,"confidence":0.99194336,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.0712093934416771},{"word":"i","start":1920.215,"end":1920.2949,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.011593133211135864},{"word":"think","start":1920.2949,"end":1920.5349,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.01570028066635132},{"word":"last","start":1920.5349,"end":1920.855,"confidence":0.97265625,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.024630526080727577},{"word":"year","start":1920.855,"end":1921.0149,"confidence":0.90771484,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.011666219681501389},{"word":"when","start":1921.0149,"end":1921.335,"confidence":0.57421875,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.027568042278289795},{"word":"we","start":1921.335,"end":1921.575,"confidence":0.9921875,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.008643865585327148},{"word":"caught","start":1921.575,"end":1921.815,"confidence":0.9707031,"punctuated_word":"caught","sentiment":"neutral","sentiment_score":0.009146779775619509},{"word":"up","start":1921.815,"end":1921.8949,"confidence":0.99121094,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.019149228930473328},{"word":"and","start":1921.8949,"end":1922.0549,"confidence":0.9111328,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.016283385455608368},{"word":"did","start":1922.0549,"end":1922.215,"confidence":0.9863281,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.025350548326969147},{"word":"the","start":1922.215,"end":1922.375,"confidence":0.625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02828967198729515},{"word":"annual","start":1922.375,"end":1922.695,"confidence":0.95410156,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.03682592138648033},{"word":"review","start":1922.695,"end":1922.9349,"confidence":0.75878906,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.01709849387407303},{"word":"we're","start":1922.9349,"end":1923.36,"confidence":0.6750488,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.03641185164451599},{"word":"managing","start":1923.6799,"end":1924.0,"confidence":0.71777344,"punctuated_word":"managing","sentiment":"neutral","sentiment_score":0.07042733579874039},{"word":"to","start":1924.0,"end":1924.24,"confidence":0.79248047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.040918126702308655},{"word":"save","start":1924.24,"end":1924.48,"confidence":0.7314453,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.0504203662276268},{"word":"or","start":1924.48,"end":1924.5599,"confidence":0.84228516,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.024323582649230957},{"word":"put","start":1924.5599,"end":1924.72,"confidence":0.99609375,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.0020931661128997803},{"word":"away","start":1924.72,"end":1924.96,"confidence":0.99902344,"punctuated_word":"away","sentiment":"neutral","sentiment_score":0.02262911945581436},{"word":"about","start":1924.96,"end":1925.2,"confidence":0.9526367,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.01555304229259491},{"word":"a","start":1925.2,"end":1925.36,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0005296021699905396},{"word":"thousand","start":1925.36,"end":1925.76,"confidence":0.99902344,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.019281789660453796},{"word":"dollars","start":1925.76,"end":1926.16,"confidence":0.9980469,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.005965046584606171},{"word":"per","start":1926.16,"end":1926.4,"confidence":0.99902344,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.021166525781154633},{"word":"week","start":1926.4,"end":1926.5599,"confidence":0.9790039,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":-0.025805365294218063},{"word":"are","start":1926.5599,"end":1926.72,"confidence":0.9970703,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.0513475313782692},{"word":"you","start":1926.72,"end":1926.96,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03631255775690079},{"word":"still","start":1926.96,"end":1927.28,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.05721184238791466},{"word":"finding","start":1927.28,"end":1927.6,"confidence":0.99902344,"punctuated_word":"finding","sentiment":"neutral","sentiment_score":-0.03506488353013992},{"word":"that","start":1927.6,"end":1927.84,"confidence":0.89086914,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.054705146700143814},{"word":"or","start":1927.84,"end":1928.0,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.09153515845537186},{"word":"is","start":1928.0,"end":1928.16,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06852563470602036},{"word":"it","start":1928.16,"end":1928.24,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07740968465805054},{"word":"a","start":1928.24,"end":1928.32,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09840474277734756},{"word":"little","start":1928.32,"end":1928.48,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.09756146371364594},{"word":"bit","start":1928.48,"end":1928.72,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1298019289970398},{"word":"tougher","start":1928.72,"end":1929.04,"confidence":0.9951172,"punctuated_word":"tougher","sentiment":"neutral","sentiment_score":-0.10503019392490388},{"word":"with","start":1929.04,"end":1929.28,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1361110806465149},{"word":"everything","start":1929.28,"end":1929.78,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.058542605489492416},{"word":"expenses","start":1930.32,"end":1930.82,"confidence":0.83691406,"punctuated_word":"expenses?","sentiment":"neutral","sentiment_score":-0.0405205674469471},{"word":"yeah","start":1939.215,"end":1939.715,"confidence":0.9448242,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0507928729057312},{"word":"yeah","start":1949.71,"end":1950.21,"confidence":0.97143555,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.014132428914308548},{"word":"yeah","start":1958.75,"end":1959.25,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.028316067531704903},{"word":"yeah","start":1959.31,"end":1959.81,"confidence":0.9863281,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02725164219737053},{"word":"yeah","start":1972.125,"end":1972.625,"confidence":0.9921875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04993341863155365},{"word":"yeah","start":1982.83,"end":1982.99,"confidence":0.9736328,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.030775608494877815},{"word":"yeah","start":1982.99,"end":1983.49,"confidence":0.9921875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.035218700766563416},{"word":"yeah","start":1985.485,"end":1985.985,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02250620163977146},{"word":"yep","start":1986.6849,"end":1987.1849,"confidence":0.9147949,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.019568676128983498},{"word":"okay","start":1994.365,"end":1994.865,"confidence":0.9921875,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.019319558516144753},{"word":"yeah","start":1996.765,"end":1997.265,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08270317316055298},{"word":"that's","start":1997.5901,"end":1997.8301,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.14388258755207062},{"word":"okay","start":1997.8301,"end":1998.31,"confidence":0.9970703,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.13079360127449036},{"word":"and","start":1998.31,"end":1998.4701,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04817824065685272},{"word":"what's","start":1998.4701,"end":1998.79,"confidence":1.0,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.05206440016627312},{"word":"the","start":1998.79,"end":1999.03,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05190424248576164},{"word":"estimated","start":1999.03,"end":1999.51,"confidence":1.0,"punctuated_word":"estimated","sentiment":"neutral","sentiment_score":0.048426102846860886},{"word":"time","start":1999.51,"end":1999.75,"confidence":0.96875,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.05434824153780937},{"word":"frame","start":1999.75,"end":1999.9901,"confidence":0.9980469,"punctuated_word":"frame","sentiment":"neutral","sentiment_score":0.03349025547504425},{"word":"for","start":1999.9901,"end":2000.15,"confidence":0.97802734,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03308776021003723},{"word":"having","start":2000.15,"end":2000.39,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.03580610081553459},{"word":"the","start":2000.39,"end":2000.55,"confidence":0.89208984,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06248983740806579},{"word":"granny","start":2000.55,"end":2000.9501,"confidence":0.9863281,"punctuated_word":"granny","sentiment":"neutral","sentiment_score":0.047671303153038025},{"word":"flat","start":2000.9501,"end":2001.1901,"confidence":0.99121094,"punctuated_word":"flat","sentiment":"neutral","sentiment_score":0.0734778568148613},{"word":"completed","start":2001.1901,"end":2001.67,"confidence":0.9838867,"punctuated_word":"completed?","sentiment":"neutral","sentiment_score":0.036983467638492584},{"word":"have","start":2001.67,"end":2001.8301,"confidence":0.96972656,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.0049105435609817505},{"word":"you","start":2001.8301,"end":2001.91,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.012330638244748116},{"word":"given","start":2001.91,"end":2002.2301,"confidence":0.9921875,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.009685739874839784},{"word":"yourselves","start":2002.2301,"end":2002.63,"confidence":0.7475586,"punctuated_word":"yourselves","sentiment":"neutral","sentiment_score":0.004152016714215279},{"word":"a","start":2002.63,"end":2002.79,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.011949239298701286},{"word":"bit","start":2002.79,"end":2002.9501,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0102456696331501},{"word":"of","start":2002.9501,"end":2003.03,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0026453230530023575},{"word":"a","start":2003.03,"end":2003.1901,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.004009366035461426},{"word":"deadline","start":2003.1901,"end":2003.5901,"confidence":0.99902344,"punctuated_word":"deadline","sentiment":"neutral","sentiment_score":0.001620778813958168},{"word":"at","start":2003.5901,"end":2003.75,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.006538528949022293},{"word":"all","start":2003.75,"end":2004.0701,"confidence":0.970459,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.003958567976951599},{"word":"or","start":2004.0701,"end":2004.5701,"confidence":0.85058594,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.0036370176821947098},{"word":"okay","start":2016.1649,"end":2016.6649,"confidence":0.921875,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0638858824968338},{"word":"wow","start":2023.38,"end":2023.88,"confidence":0.9172363,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.10296200960874556},{"word":"yeah","start":2029.62,"end":2030.12,"confidence":0.97021484,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.047973670065402985},{"word":"yes","start":2035.235,"end":2035.735,"confidence":0.81396484,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05726394057273865},{"word":"yeah","start":2041.635,"end":2042.135,"confidence":0.7937012,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01059078797698021},{"word":"yeah","start":2048.45,"end":2048.95,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01264255214482546},{"word":"yep","start":2051.97,"end":2052.47,"confidence":0.83447266,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.018248599022626877},{"word":"okay","start":2065.025,"end":2065.525,"confidence":0.77368164,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.0037148669362068176},{"word":"yeah","start":2071.44,"end":2071.94,"confidence":0.83081055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.00902516022324562},{"word":"yeah","start":2073.76,"end":2074.0,"confidence":0.9746094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0301608145236969},{"word":"no","start":2074.0,"end":2074.5,"confidence":0.96362305,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0835581049323082},{"word":"no","start":2079.28,"end":2079.52,"confidence":0.9711914,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09666893631219864},{"word":"that's","start":2079.52,"end":2079.92,"confidence":0.87939453,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.05756312608718872},{"word":"okay","start":2079.92,"end":2080.24,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.026638604700565335},{"word":"that's","start":2080.24,"end":2080.56,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5069939494132996},{"word":"fantastic","start":2080.56,"end":2081.06,"confidence":0.9995117,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.5841639041900635},{"word":"we'll","start":2081.12,"end":2081.36,"confidence":0.8457031,"punctuated_word":"We'll","sentiment":"positive","sentiment_score":0.4085527658462525},{"word":"cross","start":2081.36,"end":2081.52,"confidence":0.9614258,"punctuated_word":"cross","sentiment":"positive","sentiment_score":0.3583335876464844},{"word":"our","start":2081.52,"end":2081.68,"confidence":0.8886719,"punctuated_word":"our","sentiment":"positive","sentiment_score":0.3555218577384949},{"word":"fingers","start":2081.68,"end":2082.0,"confidence":0.7384033,"punctuated_word":"fingers.","sentiment":"positive","sentiment_score":0.3344273567199707},{"word":"everything","start":2082.0,"end":2082.4,"confidence":0.98535156,"punctuated_word":"Everything","sentiment":"neutral","sentiment_score":0.3157004415988922},{"word":"goes","start":2082.4,"end":2082.6401,"confidence":0.99902344,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.30513864755630493},{"word":"to","start":2082.6401,"end":2082.855,"confidence":0.9838867,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.40738508105278015},{"word":"plan","start":2082.855,"end":2083.095,"confidence":0.9970703,"punctuated_word":"plan","sentiment":"positive","sentiment_score":0.3814800679683686},{"word":"and","start":2083.095,"end":2083.255,"confidence":0.7675781,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.29517194628715515},{"word":"that","start":2083.255,"end":2083.335,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.33180469274520874},{"word":"you","start":2083.335,"end":2083.575,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3240715563297272},{"word":"do","start":2083.575,"end":2083.7349,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.350410521030426},{"word":"have","start":2083.7349,"end":2083.975,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17528624832630155},{"word":"all","start":2083.975,"end":2084.135,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2637958228588104},{"word":"of","start":2084.135,"end":2084.215,"confidence":0.97509766,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.29701024293899536},{"word":"that","start":2084.215,"end":2084.375,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2476532757282257},{"word":"done","start":2084.375,"end":2084.615,"confidence":0.99902344,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.2051198333501816},{"word":"by","start":2084.615,"end":2084.695,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.21528978645801544},{"word":"the","start":2084.695,"end":2084.775,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20174211263656616},{"word":"end","start":2084.775,"end":2084.935,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.23799844086170197},{"word":"of","start":2084.935,"end":2085.095,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2485528588294983},{"word":"the","start":2085.095,"end":2085.175,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22208921611309052},{"word":"year","start":2085.175,"end":2085.335,"confidence":0.90893555,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.2541202902793884},{"word":"that'd","start":2085.335,"end":2085.575,"confidence":0.8737793,"punctuated_word":"That'd","sentiment":"positive","sentiment_score":0.6694446802139282},{"word":"be","start":2085.575,"end":2085.815,"confidence":0.9980469,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.6517843008041382},{"word":"fantastic","start":2085.815,"end":2086.315,"confidence":1.0,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.6194726228713989},{"word":"excellent","start":2088.455,"end":2088.955,"confidence":0.75219727,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5401250720024109},{"word":"excellent","start":2089.4949,"end":2089.975,"confidence":0.9980469,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.4482583999633789},{"word":"and","start":2089.975,"end":2090.215,"confidence":0.9941406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.20101946592330933},{"word":"just","start":2090.215,"end":2090.375,"confidence":0.9091797,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12322892248630524},{"word":"for","start":2090.375,"end":2090.615,"confidence":0.5175781,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11619856208562852},{"word":"the","start":2090.615,"end":2090.775,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17226478457450867},{"word":"caravan","start":2090.775,"end":2091.255,"confidence":0.9785156,"punctuated_word":"caravan,","sentiment":"neutral","sentiment_score":0.15366756916046145},{"word":"i","start":2091.255,"end":2091.335,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0987209752202034},{"word":"have","start":2091.335,"end":2091.4949,"confidence":0.97265625,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09244772791862488},{"word":"it","start":2091.4949,"end":2091.655,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09872365742921828},{"word":"noted","start":2091.655,"end":2091.975,"confidence":1.0,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.1044929027557373},{"word":"here","start":2091.975,"end":2092.215,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.1207190677523613},{"word":"estimated","start":2092.215,"end":2092.715,"confidence":0.41455078,"punctuated_word":"estimated","sentiment":"neutral","sentiment_score":0.11072432994842528},{"word":"value","start":2092.855,"end":2093.255,"confidence":0.99902344,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.1154944747686386},{"word":"last","start":2093.255,"end":2093.4949,"confidence":0.9838867,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.03588400036096573},{"word":"year","start":2093.4949,"end":2093.7349,"confidence":0.9980469,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.06956189125776291},{"word":"was","start":2093.7349,"end":2093.895,"confidence":0.9892578,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0707070603966713},{"word":"about","start":2093.895,"end":2094.215,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06945042312145233},{"word":"55,000","start":2094.215,"end":2095.335,"confidence":0.9996745,"punctuated_word":"55,000.","sentiment":"neutral","sentiment_score":0.03306622803211212},{"word":"would","start":2095.335,"end":2095.4949,"confidence":1.0,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":-0.03538377955555916},{"word":"you","start":2095.4949,"end":2095.7349,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.026634277775883675},{"word":"alter","start":2095.7349,"end":2096.055,"confidence":0.99316406,"punctuated_word":"alter","sentiment":"neutral","sentiment_score":-0.03097078762948513},{"word":"or","start":2096.055,"end":2096.215,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04552130401134491},{"word":"change","start":2096.215,"end":2096.455,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.05700608342885971},{"word":"that","start":2096.455,"end":2096.775,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05590081214904785},{"word":"value","start":2096.775,"end":2097.095,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.1361478865146637},{"word":"or","start":2097.095,"end":2097.255,"confidence":0.97314453,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06583999842405319},{"word":"keep","start":2097.255,"end":2097.415,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.09969878196716309},{"word":"it","start":2097.415,"end":2097.575,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08535444736480713},{"word":"about","start":2097.575,"end":2097.895,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.08193746954202652},{"word":"the","start":2097.895,"end":2097.975,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07532662153244019},{"word":"same","start":2097.975,"end":2098.475,"confidence":0.9995117,"punctuated_word":"same?","sentiment":"neutral","sentiment_score":-0.08092078566551208},{"word":"yes","start":2120.655,"end":2120.9749,"confidence":0.8034668,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.010571125894784927},{"word":"what","start":2120.9749,"end":2121.2148,"confidence":0.9453125,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.0460045151412487},{"word":"value","start":2121.2148,"end":2121.535,"confidence":0.99902344,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.06892979890108109},{"word":"would","start":2121.535,"end":2121.775,"confidence":0.99609375,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.03427227586507797},{"word":"it","start":2121.775,"end":2121.855,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.00039427727460861206},{"word":"be","start":2121.855,"end":2122.015,"confidence":0.9941406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.03673192858695984},{"word":"to","start":2122.015,"end":2122.175,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01655612140893936},{"word":"you","start":2122.175,"end":2122.415,"confidence":0.98828125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.033199843019247055},{"word":"if","start":2122.415,"end":2122.575,"confidence":0.97998047,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.026111602783203125},{"word":"you","start":2122.575,"end":2122.655,"confidence":0.79833984,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03153038024902344},{"word":"if","start":2122.655,"end":2122.83,"confidence":0.63916016,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0340782031416893},{"word":"you","start":2122.9102,"end":2122.99,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02949211746454239},{"word":"had","start":2122.99,"end":2123.1099,"confidence":0.9921875,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.04358422011137009},{"word":"to","start":2123.1099,"end":2123.23,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0504295639693737},{"word":"sell","start":2123.23,"end":2123.55,"confidence":0.99902344,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.07239814847707748},{"word":"the","start":2123.55,"end":2123.79,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.030356884002685547},{"word":"caravan","start":2123.79,"end":2124.1902,"confidence":0.98291016,"punctuated_word":"caravan","sentiment":"neutral","sentiment_score":-0.040954701602458954},{"word":"or","start":2124.1902,"end":2124.35,"confidence":0.78515625,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.025591004639863968},{"word":"if","start":2124.35,"end":2124.51,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.03131557255983353},{"word":"you","start":2124.51,"end":2124.59,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.026643382385373116},{"word":"wanted","start":2124.59,"end":2124.9102,"confidence":0.9941406,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.03259067237377167},{"word":"to","start":2124.9102,"end":2124.99,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.016204863786697388},{"word":"sell","start":2124.99,"end":2125.23,"confidence":1.0,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.03541623055934906},{"word":"the","start":2125.23,"end":2125.3901,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03066409192979336},{"word":"caravan","start":2125.3901,"end":2125.87,"confidence":0.97216797,"punctuated_word":"caravan?","sentiment":"neutral","sentiment_score":-0.026443438604474068},{"word":"what","start":2125.87,"end":2126.03,"confidence":0.99902344,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.03157814219594002},{"word":"would","start":2126.03,"end":2126.27,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.04237754270434379},{"word":"you","start":2126.27,"end":2126.35,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.018112588673830032},{"word":"want","start":2126.35,"end":2126.59,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.01931674033403397},{"word":"for","start":2126.59,"end":2126.83,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0101822167634964},{"word":"it","start":2126.83,"end":2126.9102,"confidence":0.89868164,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.02186836488544941},{"word":"what","start":2126.9102,"end":2127.07,"confidence":0.9970703,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.036040354520082474},{"word":"value","start":2127.07,"end":2127.3901,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.034011803567409515},{"word":"is","start":2127.3901,"end":2127.6301,"confidence":0.63916016,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.025604993104934692},{"word":"it","start":2127.6301,"end":2127.71,"confidence":0.9863281,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.004591681063175201},{"word":"more","start":2127.71,"end":2127.9502,"confidence":0.9980469,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.024210572242736816},{"word":"to","start":2127.9502,"end":2128.11,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00966835394501686},{"word":"you","start":2128.11,"end":2128.61,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.006625929847359657},{"word":"yes","start":2134.59,"end":2135.025,"confidence":0.7583008,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.302142858505249},{"word":"beautiful","start":2135.4248,"end":2135.9248,"confidence":0.9980469,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5088561773300171},{"word":"fantastic","start":2136.2249,"end":2136.7249,"confidence":1.0,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5337876081466675},{"word":"i've","start":2137.9048,"end":2138.145,"confidence":0.8339844,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.07786208391189575},{"word":"was","start":2138.145,"end":2138.645,"confidence":0.4794922,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.4691167175769806},{"word":"that's","start":2139.345,"end":2139.585,"confidence":0.7668457,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.29582691192626953},{"word":"okay","start":2139.585,"end":2139.9048,"confidence":0.9980469,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.25700733065605164},{"word":"i've","start":2139.9048,"end":2140.2249,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.07077222317457199},{"word":"also","start":2140.2249,"end":2140.545,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.046995874494314194},{"word":"got","start":2140.545,"end":2140.865,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0493311733007431},{"word":"cars","start":2140.865,"end":2141.1848,"confidence":0.9941406,"punctuated_word":"cars","sentiment":"neutral","sentiment_score":0.04157208651304245},{"word":"on","start":2141.1848,"end":2141.4248,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.042318474501371384},{"word":"here","start":2141.4248,"end":2141.7449,"confidence":0.9970703,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.04929399490356445},{"word":"i","start":2141.7449,"end":2141.9048,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.020431537181138992},{"word":"believe","start":2141.9048,"end":2142.2249,"confidence":1.0,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":0.019487589597702023},{"word":"it's","start":2142.2249,"end":2142.4648,"confidence":0.99609375,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.028748001903295517},{"word":"probably","start":2142.4648,"end":2142.9448,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.00982155092060566},{"word":"two","start":2142.9448,"end":2143.105,"confidence":0.5983887,"punctuated_word":"two.","sentiment":"neutral","sentiment_score":0.01639121025800705},{"word":"it","start":2143.105,"end":2143.1848,"confidence":0.67041016,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.008761607110500336},{"word":"just","start":2143.1848,"end":2143.4248,"confidence":0.97265625,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.010039053857326508},{"word":"says","start":2143.4248,"end":2143.6648,"confidence":0.9970703,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.01603272557258606},{"word":"cars","start":2143.6648,"end":2143.9849,"confidence":0.87109375,"punctuated_word":"cars,","sentiment":"neutral","sentiment_score":0.014918729662895204},{"word":"plural","start":2143.9849,"end":2144.4849,"confidence":0.9995117,"punctuated_word":"plural.","sentiment":"neutral","sentiment_score":0.01591162197291851},{"word":"just","start":2146.145,"end":2146.385,"confidence":0.9394531,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.010721046477556229},{"word":"double","start":2146.385,"end":2146.625,"confidence":0.99902344,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.02779951319098473},{"word":"checking","start":2146.625,"end":2147.105,"confidence":0.73046875,"punctuated_word":"checking,","sentiment":"neutral","sentiment_score":0.02329973131418228},{"word":"asset","start":2147.105,"end":2147.4248,"confidence":0.98291016,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.02694518119096756},{"word":"value","start":2147.4248,"end":2147.825,"confidence":0.9970703,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.013555075973272324},{"word":"combined","start":2147.825,"end":2148.305,"confidence":0.9902344,"punctuated_word":"combined","sentiment":"neutral","sentiment_score":0.04079208150506019},{"word":"is","start":2148.305,"end":2148.4648,"confidence":0.9873047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03162240982055664},{"word":"about","start":2148.4648,"end":2148.865,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.02660151943564415},{"word":"30,000","start":2148.865,"end":2149.6848,"confidence":0.9992676,"punctuated_word":"30,000.","sentiment":"neutral","sentiment_score":0.038275789469480515},{"word":"would","start":2149.825,"end":2150.065,"confidence":1.0,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.010330192744731905},{"word":"you","start":2150.065,"end":2150.565,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017123956233263016},{"word":"keep","start":2150.75,"end":2151.0698,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.012063484638929369},{"word":"the","start":2151.0698,"end":2151.15,"confidence":0.7709961,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0014465823769569397},{"word":"cars","start":2151.15,"end":2151.63,"confidence":0.8959961,"punctuated_word":"cars","sentiment":"neutral","sentiment_score":0.011440347880125046},{"word":"roughly","start":2151.63,"end":2152.03,"confidence":0.9941406,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":0.007868587970733643},{"word":"the","start":2152.03,"end":2152.19,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.001991216093301773},{"word":"same","start":2152.19,"end":2152.51,"confidence":0.90185547,"punctuated_word":"same,","sentiment":"neutral","sentiment_score":0.020294565707445145},{"word":"or","start":2152.51,"end":2152.75,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.00906643643975258},{"word":"what","start":2152.75,"end":2152.91,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.017820004373788834},{"word":"value","start":2152.91,"end":2153.3098,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.015931446105241776},{"word":"are","start":2153.3098,"end":2153.47,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.026287183165550232},{"word":"they","start":2153.47,"end":2153.71,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.02398467063903809},{"word":"to","start":2153.71,"end":2153.8699,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.014937177300453186},{"word":"you","start":2153.8699,"end":2154.3699,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.024897482246160507},{"word":"20","start":2160.1099,"end":2160.43,"confidence":0.8642578,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.03167656064033508},{"word":"5","start":2160.43,"end":2160.93,"confidence":0.89990234,"punctuated_word":"5.","sentiment":"neutral","sentiment_score":0.026914943009614944},{"word":"yep","start":2161.39,"end":2161.89,"confidence":0.9885254,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05054984614253044},{"word":"beautiful","start":2162.8298,"end":2163.3298,"confidence":0.9645996,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.3291059136390686},{"word":"yeah","start":2164.855,"end":2165.3352,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10818132758140564},{"word":"that's","start":2165.3352,"end":2165.8152,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.15756992995738983},{"word":"okay","start":2165.8152,"end":2166.3152,"confidence":0.99609375,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.1499815732240677},{"word":"and","start":2166.615,"end":2166.7751,"confidence":0.75439453,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08724039047956467},{"word":"i","start":2166.7751,"end":2166.935,"confidence":0.97802734,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07762639224529266},{"word":"also","start":2166.935,"end":2167.2551,"confidence":0.9951172,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.047980181872844696},{"word":"had","start":2167.2551,"end":2167.415,"confidence":0.984375,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.03309277445077896},{"word":"a","start":2167.415,"end":2167.495,"confidence":0.9086914,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03617643192410469},{"word":"note","start":2167.495,"end":2167.735,"confidence":0.9863281,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.034490376710891724},{"word":"here","start":2167.735,"end":2167.895,"confidence":0.9980469,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.038651108741760254},{"word":"that","start":2167.895,"end":2168.0552,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03536678105592728},{"word":"you've","start":2168.0552,"end":2168.215,"confidence":0.99560547,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.03621536120772362},{"word":"got","start":2168.215,"end":2168.455,"confidence":0.99316406,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.030332421883940697},{"word":"a","start":2168.455,"end":2168.695,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03768647089600563},{"word":"boat","start":2168.695,"end":2169.195,"confidence":0.53808594,"punctuated_word":"boat,","sentiment":"neutral","sentiment_score":0.04945668950676918},{"word":"roughly","start":2169.2551,"end":2169.735,"confidence":0.9580078,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":0.046868205070495605},{"word":"estimated","start":2169.735,"end":2170.235,"confidence":0.98828125,"punctuated_word":"estimated","sentiment":"neutral","sentiment_score":0.0681341290473938},{"word":"value","start":2170.375,"end":2170.855,"confidence":0.9980469,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.0419081449508667},{"word":"of","start":2170.855,"end":2171.095,"confidence":0.8701172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05082651600241661},{"word":"about","start":2171.095,"end":2171.595,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03892972320318222},{"word":"15,000","start":2171.655,"end":2172.7952,"confidence":0.9243164,"punctuated_word":"15,000.","sentiment":"neutral","sentiment_score":0.05539177358150482},{"word":"yep","start":2173.975,"end":2174.475,"confidence":0.93530273,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13380520045757294},{"word":"beautiful","start":2174.935,"end":2175.435,"confidence":0.99853516,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.32800719141960144},{"word":"and","start":2176.0552,"end":2176.215,"confidence":0.9667969,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08272738754749298},{"word":"then","start":2176.215,"end":2176.375,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07119463384151459},{"word":"you","start":2176.375,"end":2176.615,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06252162158489227},{"word":"also","start":2176.615,"end":2176.935,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.06648536026477814},{"word":"did","start":2176.935,"end":2177.175,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.07186723500490189},{"word":"have","start":2177.175,"end":2177.3352,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05695106089115143},{"word":"about","start":2177.3352,"end":2177.735,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.030817296355962753},{"word":"30","start":2177.735,"end":2178.0552,"confidence":1.0,"punctuated_word":"30","sentiment":"neutral","sentiment_score":0.01972603425383568},{"word":"5,000","start":2178.0552,"end":2178.695,"confidence":1.0,"punctuated_word":"5,000","sentiment":"neutral","sentiment_score":0.02737715281546116},{"word":"in","start":2178.695,"end":2178.855,"confidence":0.97802734,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02715170755982399},{"word":"savings","start":2178.855,"end":2179.355,"confidence":1.0,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.034867845475673676},{"word":"last","start":2179.415,"end":2179.77,"confidence":0.9819336,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.016959719359874725},{"word":"year","start":2179.77,"end":2180.01,"confidence":0.9904785,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.0436786487698555},{"word":"this","start":2180.01,"end":2180.17,"confidence":1.0,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.026573389768600464},{"word":"was","start":2180.17,"end":2180.25,"confidence":0.9370117,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.01056409627199173},{"word":"being","start":2180.25,"end":2180.49,"confidence":0.99902344,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.019138239324092865},{"word":"used","start":2180.49,"end":2180.8901,"confidence":1.0,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.032586194574832916},{"word":"for","start":2180.8901,"end":2181.21,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.021022288128733635},{"word":"the","start":2181.21,"end":2181.45,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02932473085820675},{"word":"investment","start":2181.45,"end":2181.93,"confidence":0.98828125,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.026963550597429276},{"word":"property","start":2181.93,"end":2182.43,"confidence":0.9995117,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.03360268473625183},{"word":"is","start":2182.8901,"end":2183.05,"confidence":0.88134766,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.009438950568437576},{"word":"that","start":2183.05,"end":2183.29,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02448827400803566},{"word":"kind","start":2183.29,"end":2183.45,"confidence":0.9892578,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.01070735976099968},{"word":"of","start":2183.45,"end":2183.61,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.004539532586932182},{"word":"being","start":2183.61,"end":2183.77,"confidence":0.9902344,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.0021354425698518753},{"word":"used","start":2183.77,"end":2184.01,"confidence":0.99902344,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.02237914875149727},{"word":"for","start":2184.01,"end":2184.17,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.008381091058254242},{"word":"the","start":2184.17,"end":2184.33,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01947231963276863},{"word":"granny","start":2184.33,"end":2184.73,"confidence":0.92700195,"punctuated_word":"granny","sentiment":"neutral","sentiment_score":0.021925944834947583},{"word":"flat","start":2184.73,"end":2184.97,"confidence":0.93530273,"punctuated_word":"flat,","sentiment":"neutral","sentiment_score":0.02010444737970829},{"word":"or","start":2184.97,"end":2185.1301,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.010883592069149016},{"word":"do","start":2185.1301,"end":2185.29,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.015189865604043009},{"word":"you","start":2185.29,"end":2185.37,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00489579513669014},{"word":"still","start":2185.37,"end":2185.69,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.01634320244193077},{"word":"have","start":2185.69,"end":2185.93,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.005275983363389969},{"word":"that","start":2185.93,"end":2186.09,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.00027849525213241577},{"word":"money","start":2186.09,"end":2186.41,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.016026202589273453},{"word":"in","start":2186.41,"end":2186.57,"confidence":0.984375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02258177101612091},{"word":"an","start":2186.57,"end":2186.73,"confidence":0.984375,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.01466001197695732},{"word":"offset","start":2186.73,"end":2187.23,"confidence":0.9567871,"punctuated_word":"offset?","sentiment":"neutral","sentiment_score":-0.017512498423457146},{"word":"oh","start":2200.505,"end":2200.905,"confidence":0.71447754,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.17463156580924988},{"word":"no","start":2200.905,"end":2201.405,"confidence":0.9423828,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.20524102449417111},{"word":"yeah","start":2208.52,"end":2209.02,"confidence":0.9562988,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02290431596338749},{"word":"yep","start":2213.0,"end":2213.5,"confidence":0.95825195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.038377583026885986},{"word":"yep","start":2218.2148,"end":2218.7148,"confidence":0.77246094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.036742378026247025},{"word":"yes","start":2219.7349,"end":2220.2349,"confidence":0.82128906,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04117691144347191},{"word":"fantastic","start":2224.135,"end":2224.635,"confidence":0.9926758,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.4941473007202149},{"word":"excellent","start":2225.815,"end":2226.315,"confidence":0.99902344,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.3757568597793579},{"word":"excellent","start":2226.535,"end":2227.035,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.3496464490890503},{"word":"and","start":2227.255,"end":2227.4949,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12742586433887482},{"word":"then","start":2227.4949,"end":2227.7349,"confidence":0.9970703,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.096739262342453},{"word":"with","start":2227.7349,"end":2227.9749,"confidence":0.39135742,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08703126758337021},{"word":"the","start":2227.9749,"end":2228.2148,"confidence":0.67626953,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09610015898942947},{"word":"the","start":2228.2148,"end":2228.295,"confidence":0.5571289,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07973983883857727},{"word":"property","start":2228.295,"end":2228.6948,"confidence":0.6906738,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.04520559683442116},{"word":"just","start":2228.6948,"end":2229.18,"confidence":0.8461914,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05347302556037903},{"word":"so","start":2229.74,"end":2229.9,"confidence":0.36694336,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.050600044429302216},{"word":"double","start":2229.9,"end":2230.14,"confidence":0.98291016,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.05626565217971802},{"word":"checking","start":2230.14,"end":2230.46,"confidence":0.9873047,"punctuated_word":"checking","sentiment":"neutral","sentiment_score":0.07284998148679733},{"word":"the","start":2230.46,"end":2230.7,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07683824747800827},{"word":"values","start":2230.7,"end":2231.02,"confidence":0.9970703,"punctuated_word":"values","sentiment":"neutral","sentiment_score":0.040610432624816895},{"word":"on","start":2231.02,"end":2231.0999,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0795334130525589},{"word":"those","start":2231.0999,"end":2231.42,"confidence":0.7216797,"punctuated_word":"those,","sentiment":"neutral","sentiment_score":0.07172787189483643},{"word":"the","start":2231.42,"end":2231.5798,"confidence":0.97998047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08591561019420624},{"word":"karratha","start":2231.5798,"end":2232.0598,"confidence":0.6975505,"punctuated_word":"Karratha","sentiment":"neutral","sentiment_score":0.07839304208755493},{"word":"property","start":2232.0598,"end":2232.38,"confidence":0.8996582,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.0631767064332962},{"word":"we","start":2232.38,"end":2232.54,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0508609265089035},{"word":"had","start":2232.54,"end":2232.78,"confidence":0.984375,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.051624007523059845},{"word":"it","start":2232.78,"end":2232.8599,"confidence":0.9614258,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0655958279967308},{"word":"noted","start":2232.8599,"end":2233.18,"confidence":1.0,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.053959302604198456},{"word":"about","start":2233.18,"end":2233.5,"confidence":0.9941406,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.05024249851703644},{"word":"750,000","start":2233.5,"end":2235.02,"confidence":0.9988281,"punctuated_word":"750,000.","sentiment":"neutral","sentiment_score":0.03634145110845566},{"word":"do","start":2235.02,"end":2235.18,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.008074743673205376},{"word":"you","start":2235.18,"end":2235.3398,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01094411313533783},{"word":"think","start":2235.3398,"end":2235.5,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.007875189185142517},{"word":"that","start":2235.5,"end":2235.66,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.013951566070318222},{"word":"might","start":2235.66,"end":2235.9,"confidence":0.99902344,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.02118842490017414},{"word":"have","start":2235.9,"end":2236.0598,"confidence":0.93359375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.004958506673574448},{"word":"increased","start":2236.0598,"end":2236.54,"confidence":0.98535156,"punctuated_word":"increased","sentiment":"neutral","sentiment_score":0.007726462557911873},{"word":"in","start":2236.54,"end":2236.7,"confidence":0.9873047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0014571566134691238},{"word":"value","start":2236.7,"end":2237.02,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.003618307411670685},{"word":"a","start":2237.02,"end":2237.0999,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.011522797867655754},{"word":"little","start":2237.0999,"end":2237.3398,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.005221884697675705},{"word":"bit","start":2237.3398,"end":2237.5798,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.010352954268455504},{"word":"since","start":2237.5798,"end":2237.9,"confidence":0.99609375,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.02139117568731308},{"word":"we","start":2237.9,"end":2238.4,"confidence":0.9707031,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.020822914317250252},{"word":"spoke","start":2238.54,"end":2238.8599,"confidence":0.9277344,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.021800177171826363},{"word":"last","start":2238.8599,"end":2239.0999,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.010079439729452131},{"word":"year","start":2239.0999,"end":2239.26,"confidence":0.99316406,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.014505555853247644},{"word":"in","start":2239.26,"end":2239.42,"confidence":0.96240234,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01573381945490837},{"word":"november","start":2239.42,"end":2239.92,"confidence":0.97021484,"punctuated_word":"November?","sentiment":"neutral","sentiment_score":0.016889989376068115},{"word":"on","start":2243.115,"end":2243.435,"confidence":0.13745117,"punctuated_word":"On","sentiment":"neutral","sentiment_score":0.0136159248650074},{"word":"point","start":2243.435,"end":2243.935,"confidence":0.84155273,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":0.015599953010678291},{"word":"yep","start":2244.155,"end":2244.655,"confidence":0.9941406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03708499297499657},{"word":"that's","start":2245.835,"end":2246.235,"confidence":0.98583984,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.09210258722305298},{"word":"okay","start":2246.235,"end":2246.735,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.07979850471019745},{"word":"i've","start":2247.355,"end":2247.595,"confidence":0.85131836,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.05829746276140213},{"word":"also","start":2247.595,"end":2247.915,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.046709734946489334},{"word":"got","start":2247.915,"end":2248.155,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05201279744505882},{"word":"here","start":2248.155,"end":2248.395,"confidence":0.6801758,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.04467038810253143},{"word":"so","start":2248.395,"end":2248.635,"confidence":0.8925781,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03245220333337784},{"word":"the","start":2248.635,"end":2248.875,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03443104773759842},{"word":"estuary","start":2248.875,"end":2249.375,"confidence":0.828125,"punctuated_word":"Estuary","sentiment":"neutral","sentiment_score":0.02614753507077694},{"word":"property","start":2249.5151,"end":2250.0151,"confidence":0.8935547,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.02392360009253025},{"word":"about","start":2250.155,"end":2250.475,"confidence":0.4194336,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.021631769835948944},{"word":"800,000","start":2250.475,"end":2251.435,"confidence":1.0,"punctuated_word":"800,000","sentiment":"neutral","sentiment_score":0.028888624161481857},{"word":"in","start":2251.435,"end":2251.675,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.021602941676974297},{"word":"value","start":2251.675,"end":2252.075,"confidence":0.8947754,"punctuated_word":"value.","sentiment":"neutral","sentiment_score":0.027751117944717407},{"word":"would","start":2252.075,"end":2252.235,"confidence":1.0,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.019222764298319817},{"word":"you","start":2252.235,"end":2252.475,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02320481650531292},{"word":"increase","start":2252.475,"end":2252.875,"confidence":1.0,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.029787329956889153},{"word":"that","start":2252.875,"end":2253.115,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0395711287856102},{"word":"one","start":2253.115,"end":2253.2751,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.02778474986553192},{"word":"a","start":2253.2751,"end":2253.355,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.023180723190307617},{"word":"little","start":2253.355,"end":2253.595,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.01989203691482544},{"word":"bit","start":2253.595,"end":2254.095,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.009358986280858517},{"word":"or","start":2254.3152,"end":2254.475,"confidence":0.9091797,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.005025763530284166},{"word":"a","start":2254.475,"end":2254.5552,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.005268767476081848},{"word":"lot","start":2254.5552,"end":2255.0552,"confidence":0.9980469,"punctuated_word":"lot?","sentiment":"neutral","sentiment_score":0.009355874732136726},{"word":"yep","start":2260.9,"end":2261.4,"confidence":0.9909668,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15788191556930542},{"word":"fantastic","start":2261.46,"end":2261.96,"confidence":0.99853516,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.4071870446205139},{"word":"excellent","start":2262.66,"end":2263.14,"confidence":0.99365234,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.3420758843421936},{"word":"and","start":2263.14,"end":2263.38,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.19615963101387024},{"word":"then","start":2263.38,"end":2263.54,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1826029121875763},{"word":"your","start":2263.54,"end":2263.7,"confidence":0.9902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13432708382606506},{"word":"main","start":2263.7,"end":2263.94,"confidence":0.9970703,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.16984155774116516},{"word":"primary","start":2263.94,"end":2264.3398,"confidence":0.9980469,"punctuated_word":"primary","sentiment":"neutral","sentiment_score":0.14255379140377045},{"word":"residence","start":2264.3398,"end":2264.8398,"confidence":0.97265625,"punctuated_word":"residence","sentiment":"neutral","sentiment_score":0.11168642342090608},{"word":"in","start":2264.9,"end":2265.06,"confidence":0.9873047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08771536499261856},{"word":"timberlane","start":2265.06,"end":2265.56,"confidence":0.88655597,"punctuated_word":"Timberlane,","sentiment":"neutral","sentiment_score":0.10980576276779176},{"word":"1.1","start":2265.7,"end":2266.42,"confidence":0.9716797,"punctuated_word":"1.1","sentiment":"neutral","sentiment_score":0.0660906508564949},{"word":"million","start":2266.42,"end":2266.8198,"confidence":1.0,"punctuated_word":"million","sentiment":"neutral","sentiment_score":0.061947666108608246},{"word":"i","start":2266.8198,"end":2266.98,"confidence":0.8457031,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08811472356319427},{"word":"had","start":2266.98,"end":2267.14,"confidence":0.9741211,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.07083524763584137},{"word":"on","start":2267.14,"end":2267.3,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08252314478158951},{"word":"here","start":2267.3,"end":2267.6199,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.11433632671833038},{"word":"for","start":2267.6199,"end":2267.78,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10301517695188522},{"word":"you","start":2267.78,"end":2268.28,"confidence":0.9494629,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.08462699502706528},{"word":"yep","start":2274.525,"end":2275.025,"confidence":0.9501953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12420948594808578},{"word":"fantastic","start":2275.1648,"end":2275.6648,"confidence":1.0,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.35171064734458923},{"word":"excellent","start":2276.045,"end":2276.545,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"neutral","sentiment_score":0.3123910129070282},{"word":"well","start":2276.605,"end":2276.845,"confidence":0.9995117,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.18017753958702087},{"word":"thank","start":2276.845,"end":2277.005,"confidence":1.0,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.3764793872833252},{"word":"you","start":2277.005,"end":2277.1648,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3494305908679962},{"word":"so","start":2277.1648,"end":2277.2449,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.18101146817207336},{"word":"much","start":2277.2449,"end":2277.4849,"confidence":0.9980469,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.25843870639801025},{"word":"for","start":2277.4849,"end":2277.645,"confidence":0.9941406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.32591941952705383},{"word":"updating","start":2277.645,"end":2278.045,"confidence":0.9970703,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":0.25483813881874084},{"word":"all","start":2278.045,"end":2278.285,"confidence":0.98828125,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.15139073133468628},{"word":"those","start":2278.285,"end":2278.785,"confidence":0.9523926,"punctuated_word":"those.","sentiment":"neutral","sentiment_score":0.18052330613136292},{"word":"that's","start":2279.9648,"end":2280.285,"confidence":0.96875,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.32466602325439453},{"word":"good","start":2280.285,"end":2280.605,"confidence":0.9975586,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2955712080001831},{"word":"that's","start":2280.605,"end":2280.845,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.32789796590805054},{"word":"fantastic","start":2280.845,"end":2281.345,"confidence":0.9995117,"punctuated_word":"fantastic.","sentiment":"neutral","sentiment_score":0.32673269510269165},{"word":"i","start":2281.805,"end":2281.885,"confidence":0.9819336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07769839465618134},{"word":"mean","start":2281.885,"end":2282.125,"confidence":0.98706055,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.058976106345653534},{"word":"having","start":2282.125,"end":2282.4448,"confidence":0.9770508,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.03616738319396973},{"word":"in","start":2282.4448,"end":2282.605,"confidence":0.7890625,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.021794579923152924},{"word":"recent","start":2282.605,"end":2282.94,"confidence":0.94921875,"punctuated_word":"recent","sentiment":"neutral","sentiment_score":0.008578181266784668},{"word":"months","start":2282.94,"end":2283.18,"confidence":0.91430664,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.00917491503059864},{"word":"the","start":2283.18,"end":2283.3398,"confidence":0.92822266,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008345965296030045},{"word":"property","start":2283.3398,"end":2283.8198,"confidence":0.9902344,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.00992080569267273},{"word":"markets","start":2283.8198,"end":2284.14,"confidence":0.8881836,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":-0.016699325293302536},{"word":"have","start":2284.14,"end":2284.3,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.00852585956454277},{"word":"been","start":2284.3,"end":2284.6199,"confidence":0.9951172,"punctuated_word":"been,","sentiment":"neutral","sentiment_score":0.01956590451300144},{"word":"you","start":2284.6199,"end":2284.78,"confidence":0.8569336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005800973623991013},{"word":"know","start":2284.78,"end":2284.94,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.017009323462843895},{"word":"going","start":2284.94,"end":2285.18,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.01735668256878853},{"word":"up","start":2285.18,"end":2285.42,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.02927771955728531},{"word":"in","start":2285.42,"end":2285.5,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.025418080389499664},{"word":"some","start":2285.5,"end":2285.66,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.022273395210504532},{"word":"areas","start":2285.66,"end":2286.06,"confidence":0.9433594,"punctuated_word":"areas,","sentiment":"neutral","sentiment_score":-0.001684442162513733},{"word":"not","start":2286.06,"end":2286.22,"confidence":0.9863281,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.007444553077220917},{"word":"so","start":2286.22,"end":2286.38,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.002805285155773163},{"word":"much","start":2286.38,"end":2286.54,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.005455590784549713},{"word":"in","start":2286.54,"end":2286.6199,"confidence":0.96435547,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0004589557647705078},{"word":"others","start":2286.6199,"end":2286.94,"confidence":0.8093262,"punctuated_word":"others.","sentiment":"neutral","sentiment_score":0.002152375876903534},{"word":"and","start":2286.94,"end":2287.02,"confidence":0.46289062,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.02196476422250271},{"word":"i","start":2287.02,"end":2287.0999,"confidence":0.36523438,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02827100455760956},{"word":"see","start":2287.0999,"end":2287.26,"confidence":0.4345703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.023803353309631348},{"word":"the","start":2287.26,"end":2287.42,"confidence":0.67285156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03062589094042778},{"word":"melbourne's","start":2287.42,"end":2287.8198,"confidence":0.6480713,"punctuated_word":"Melbourne's","sentiment":"neutral","sentiment_score":-0.04608740657567978},{"word":"had","start":2287.8198,"end":2287.94,"confidence":0.9394531,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.03851211071014404},{"word":"a","start":2287.94,"end":2288.06,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03310691565275192},{"word":"little","start":2288.06,"end":2288.22,"confidence":0.99902344,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.0410047322511673},{"word":"bit","start":2288.22,"end":2288.38,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.03824311867356301},{"word":"of","start":2288.38,"end":2288.54,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03342368081212044},{"word":"a","start":2288.54,"end":2288.7,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.039307110011577606},{"word":"decrease","start":2288.7,"end":2289.02,"confidence":0.7836914,"punctuated_word":"decrease,","sentiment":"neutral","sentiment_score":-0.012308692559599876},{"word":"so","start":2289.02,"end":2289.26,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.007643602788448334},{"word":"it's","start":2289.26,"end":2289.3398,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.13458696007728577},{"word":"good","start":2289.3398,"end":2289.5798,"confidence":0.9980469,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.20731499791145325},{"word":"to","start":2289.5798,"end":2289.66,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1522078961133957},{"word":"see","start":2289.66,"end":2289.9,"confidence":0.9819336,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1343255192041397},{"word":"wa","start":2289.9,"end":2290.3,"confidence":0.984375,"punctuated_word":"WA","sentiment":"neutral","sentiment_score":0.15198904275894165},{"word":"is","start":2290.3,"end":2290.46,"confidence":0.4194336,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05827340856194496},{"word":"being","start":2290.46,"end":2290.78,"confidence":0.8535156,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.0557255744934082},{"word":"increasing","start":2290.78,"end":2291.18,"confidence":0.8354492,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.07635468989610672},{"word":"for","start":2291.18,"end":2291.3398,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08047382533550262},{"word":"you","start":2291.3398,"end":2291.5,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07355436682701111},{"word":"guys","start":2291.5,"end":2291.98,"confidence":0.99609375,"punctuated_word":"guys.","sentiment":"neutral","sentiment_score":0.07631397247314453},{"word":"yeah","start":2291.98,"end":2292.48,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.046053696423769},{"word":"excellent","start":2294.06,"end":2294.56,"confidence":0.99316406,"punctuated_word":"Excellent.","sentiment":"neutral","sentiment_score":0.2110721170902252},{"word":"now","start":2295.26,"end":2295.5,"confidence":0.85546875,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.09849919378757475},{"word":"the","start":2295.5,"end":2295.5798,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07973402738571167},{"word":"last","start":2295.5798,"end":2295.8198,"confidence":0.9980469,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.054638803005218506},{"word":"thing","start":2295.8198,"end":2296.065,"confidence":0.9902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.08418743312358856},{"word":"to","start":2296.145,"end":2296.2249,"confidence":0.88964844,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07612407207489014},{"word":"sort","start":2296.2249,"end":2296.3447,"confidence":0.9921875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.07952336966991425},{"word":"of","start":2296.3447,"end":2296.4648,"confidence":0.83935547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03560899943113327},{"word":"touch","start":2296.4648,"end":2296.545,"confidence":0.99902344,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.02743117138743401},{"word":"base","start":2296.545,"end":2296.865,"confidence":0.9819336,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.04273089021444321},{"word":"on","start":2296.865,"end":2297.185,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04947055131196976},{"word":"is","start":2297.185,"end":2297.425,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05981900170445442},{"word":"the","start":2297.425,"end":2297.585,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07344518601894379},{"word":"estate","start":2297.585,"end":2297.905,"confidence":0.99121094,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.05524814873933792},{"word":"planning","start":2297.905,"end":2298.385,"confidence":1.0,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.06280656158924103},{"word":"side","start":2298.385,"end":2298.7048,"confidence":0.90771484,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.0787367895245552},{"word":"of","start":2298.7048,"end":2298.785,"confidence":0.95410156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06561791896820068},{"word":"things","start":2298.785,"end":2299.285,"confidence":0.9108887,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.05789624899625778},{"word":"i","start":2299.665,"end":2299.905,"confidence":0.9428711,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03940640017390251},{"word":"do","start":2299.905,"end":2300.2249,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05693339556455612},{"word":"have","start":2300.2249,"end":2300.385,"confidence":0.95410156,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05015728995203972},{"word":"it","start":2300.385,"end":2300.625,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06332825869321823},{"word":"noted","start":2300.625,"end":2301.125,"confidence":1.0,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.04223015159368515},{"word":"that","start":2301.185,"end":2301.425,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.055035289376974106},{"word":"you","start":2301.425,"end":2301.585,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03439236059784889},{"word":"didn't","start":2301.585,"end":2301.905,"confidence":0.99902344,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":0.03484557941555977},{"word":"have","start":2301.905,"end":2302.145,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.026906786486506466},{"word":"a","start":2302.145,"end":2302.2249,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02645724266767502},{"word":"will","start":2302.2249,"end":2302.4648,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.030121931806206703},{"word":"or","start":2302.4648,"end":2302.625,"confidence":0.9604492,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.01422714814543724},{"word":"power","start":2302.625,"end":2302.865,"confidence":0.99121094,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.02757645957171917},{"word":"of","start":2302.865,"end":2302.9448,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.013362834230065346},{"word":"attorney","start":2302.9448,"end":2303.4448,"confidence":1.0,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.012314436957240105},{"word":"last","start":2303.585,"end":2303.825,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.007001379504799843},{"word":"year","start":2303.825,"end":2303.9849,"confidence":0.99609375,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.025461405515670776},{"word":"when","start":2303.9849,"end":2304.2249,"confidence":0.99121094,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.026325829327106476},{"word":"we","start":2304.2249,"end":2304.305,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04228159040212631},{"word":"did","start":2304.305,"end":2304.4648,"confidence":0.9921875,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.04578102380037308},{"word":"the","start":2304.4648,"end":2304.625,"confidence":0.51708984,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04703806713223457},{"word":"annual","start":2304.625,"end":2305.025,"confidence":0.9863281,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.03290824592113495},{"word":"review","start":2305.025,"end":2305.525,"confidence":0.99902344,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":0.019005291163921356},{"word":"have","start":2306.065,"end":2306.305,"confidence":0.9902344,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.02196919173002243},{"word":"you","start":2306.305,"end":2306.4648,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02401071973145008},{"word":"guys","start":2306.4648,"end":2306.9448,"confidence":0.9970703,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.05258571356534958},{"word":"talked","start":2306.9448,"end":2307.265,"confidence":0.9980469,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.03799113258719444},{"word":"about","start":2307.265,"end":2307.505,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03384824097156525},{"word":"doing","start":2307.505,"end":2307.825,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.04579716920852661},{"word":"up","start":2307.825,"end":2307.9849,"confidence":0.9819336,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.04642169177532196},{"word":"a","start":2307.9849,"end":2308.065,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05299948900938034},{"word":"will","start":2308.065,"end":2308.385,"confidence":0.8198242,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":0.0454564206302166},{"word":"power","start":2308.385,"end":2308.625,"confidence":0.97509766,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.06561630964279175},{"word":"of","start":2308.625,"end":2308.785,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03351154923439026},{"word":"attorney","start":2308.785,"end":2309.185,"confidence":0.9758301,"punctuated_word":"attorney,","sentiment":"neutral","sentiment_score":0.02886342443525791},{"word":"things","start":2309.185,"end":2309.505,"confidence":0.9980469,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.03344054892659187},{"word":"like","start":2309.505,"end":2309.665,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.03023840114474297},{"word":"that","start":2309.665,"end":2310.165,"confidence":0.9970703,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.04659158363938331},{"word":"yep","start":2310.305,"end":2310.805,"confidence":0.95654297,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.062318455427885056},{"word":"fantastic","start":2314.07,"end":2314.57,"confidence":0.9975586,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.3585076332092285},{"word":"yep","start":2318.31,"end":2318.81,"confidence":0.98999023,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0952630341053009},{"word":"yep","start":2331.365,"end":2331.605,"confidence":0.92700195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06295403838157654},{"word":"yep","start":2331.605,"end":2332.085,"confidence":0.9970703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.039705656468868256},{"word":"no","start":2332.085,"end":2332.325,"confidence":0.9970703,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06330819427967072},{"word":"that's","start":2332.325,"end":2332.565,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.03007030300796032},{"word":"okay","start":2332.565,"end":2333.065,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.007353056222200394},{"word":"fantastic","start":2333.845,"end":2334.345,"confidence":0.9995117,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.6516382694244385},{"word":"excellent","start":2334.885,"end":2335.385,"confidence":0.99902344,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.6042478084564209},{"word":"and","start":2336.0798,"end":2336.16,"confidence":0.9838867,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2815234065055847},{"word":"with","start":2336.16,"end":2336.48,"confidence":0.9790039,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3404809236526489},{"word":"your","start":2336.48,"end":2336.72,"confidence":0.9970703,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.347816526889801},{"word":"beneficiary","start":2336.72,"end":2337.22,"confidence":0.9580078,"punctuated_word":"beneficiary","sentiment":"positive","sentiment_score":0.35771799087524414},{"word":"nominations","start":2337.44,"end":2337.94,"confidence":0.99902344,"punctuated_word":"nominations","sentiment":"neutral","sentiment_score":0.2561831474304199},{"word":"on","start":2338.0,"end":2338.24,"confidence":0.9892578,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2526851296424866},{"word":"your","start":2338.24,"end":2338.48,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2621462047100067},{"word":"life","start":2338.48,"end":2338.72,"confidence":0.99902344,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.2555435597896576},{"word":"insurance","start":2338.72,"end":2339.22,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.2738843262195587},{"word":"and","start":2339.3599,"end":2339.5999,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22075100243091583},{"word":"your","start":2339.5999,"end":2339.92,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.24879413843154907},{"word":"super","start":2339.92,"end":2340.42,"confidence":0.9729004,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.2741238474845886},{"word":"i","start":2340.72,"end":2340.8,"confidence":0.8852539,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2022077590227127},{"word":"have","start":2340.8,"end":2341.04,"confidence":0.84228516,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1868833601474762},{"word":"it","start":2341.04,"end":2341.1199,"confidence":0.9921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22442859411239624},{"word":"noted","start":2341.1199,"end":2341.44,"confidence":0.96777344,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.23940825462341309},{"word":"down","start":2341.44,"end":2341.68,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.24979713559150696},{"word":"here","start":2341.68,"end":2341.92,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.2533089816570282},{"word":"as","start":2341.92,"end":2342.16,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.22765639424324036},{"word":"darren's","start":2342.16,"end":2342.64,"confidence":0.7624512,"punctuated_word":"Darren's","sentiment":"neutral","sentiment_score":0.2614659070968628},{"word":"spouse","start":2342.64,"end":2342.96,"confidence":0.99121094,"punctuated_word":"spouse","sentiment":"neutral","sentiment_score":0.248715341091156},{"word":"a","start":2342.96,"end":2343.1199,"confidence":0.7895508,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2932632267475128},{"word":"100%","start":2343.1199,"end":2343.92,"confidence":0.9995117,"punctuated_word":"100%","sentiment":"neutral","sentiment_score":0.24941065907478333},{"word":"to","start":2343.92,"end":2344.0798,"confidence":0.9428711,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2732793390750885},{"word":"receive","start":2344.0798,"end":2344.48,"confidence":0.99902344,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.26017358899116516},{"word":"the","start":2344.48,"end":2344.64,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.296207070350647},{"word":"benefit","start":2344.64,"end":2345.04,"confidence":0.9655762,"punctuated_word":"benefit.","sentiment":"neutral","sentiment_score":0.30219170451164246},{"word":"that's","start":2345.04,"end":2345.28,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.4582220315933227},{"word":"exactly","start":2345.28,"end":2345.76,"confidence":0.9941406,"punctuated_word":"exactly","sentiment":"positive","sentiment_score":0.4601382911205292},{"word":"how","start":2345.76,"end":2345.92,"confidence":1.0,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.391497015953064},{"word":"you","start":2345.92,"end":2346.0798,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3905152678489685},{"word":"want","start":2346.0798,"end":2346.3198,"confidence":1.0,"punctuated_word":"want","sentiment":"positive","sentiment_score":0.4142650365829468},{"word":"those","start":2346.3198,"end":2346.5598,"confidence":0.99316406,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.45474207401275635},{"word":"to","start":2346.5598,"end":2346.72,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3516393303871155},{"word":"be","start":2346.72,"end":2346.88,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.30465954542160034},{"word":"nominated","start":2346.88,"end":2347.38,"confidence":0.9223633,"punctuated_word":"nominated.","sentiment":"neutral","sentiment_score":0.3039959669113159},{"word":"yeah","start":2349.0552,"end":2349.5352,"confidence":0.6744385,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3706105351448059},{"word":"fantastic","start":2349.5352,"end":2350.0352,"confidence":0.9941406,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.6209874749183655},{"word":"excellent","start":2350.655,"end":2351.135,"confidence":0.9995117,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.6097863912582397},{"word":"just","start":2351.135,"end":2351.375,"confidence":0.97998047,"punctuated_word":"Just","sentiment":"positive","sentiment_score":0.5237219929695129},{"word":"making","start":2351.375,"end":2351.695,"confidence":0.99902344,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.4942054152488709},{"word":"sure","start":2351.695,"end":2351.855,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.5182732343673706},{"word":"everything","start":2351.855,"end":2352.2551,"confidence":1.0,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.5285734534263611},{"word":"is","start":2352.2551,"end":2352.575,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4365198612213135},{"word":"up","start":2352.575,"end":2352.735,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.448302149772644},{"word":"to","start":2352.735,"end":2352.8152,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.38869354128837585},{"word":"date","start":2352.8152,"end":2353.0552,"confidence":1.0,"punctuated_word":"date","sentiment":"positive","sentiment_score":0.40901097655296326},{"word":"there","start":2353.0552,"end":2353.215,"confidence":0.7973633,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.4492765665054322},{"word":"i'm","start":2353.215,"end":2353.455,"confidence":0.8215332,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6244018077850342},{"word":"glad","start":2353.455,"end":2353.695,"confidence":1.0,"punctuated_word":"glad","sentiment":"positive","sentiment_score":0.7066055536270142},{"word":"you've","start":2353.695,"end":2353.935,"confidence":0.9633789,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.6530242562294006},{"word":"done","start":2353.935,"end":2354.175,"confidence":0.99902344,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.6810277700424194},{"word":"your","start":2354.175,"end":2354.335,"confidence":0.9536133,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.710549533367157},{"word":"well","start":2354.335,"end":2354.735,"confidence":0.76293945,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.6695163249969482},{"word":"it's","start":2354.735,"end":2354.975,"confidence":0.9663086,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.22149395942687988},{"word":"one","start":2354.975,"end":2355.135,"confidence":0.9790039,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.2077936828136444},{"word":"of","start":2355.135,"end":2355.215,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24424868822097776},{"word":"those","start":2355.215,"end":2355.5352,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2100922465324402},{"word":"things","start":2355.5352,"end":2355.855,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.19059798121452332},{"word":"we","start":2355.855,"end":2356.095,"confidence":0.49316406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12519052624702454},{"word":"always","start":2356.095,"end":2356.595,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.1014256700873375},{"word":"kinda","start":2356.655,"end":2356.895,"confidence":0.64501953,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.1197011172771454},{"word":"put","start":2356.895,"end":2357.0552,"confidence":0.9980469,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.08973481506109238},{"word":"them","start":2357.0552,"end":2357.215,"confidence":0.99902344,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.12235919386148451},{"word":"off","start":2357.215,"end":2357.375,"confidence":0.9970703,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.18122562766075137},{"word":"and","start":2357.375,"end":2357.5352,"confidence":0.49804688,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20973920822143555},{"word":"then","start":2357.5352,"end":2357.615,"confidence":0.9970703,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1731574982404709},{"word":"we","start":2357.615,"end":2357.7751,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2368476688861847},{"word":"discover","start":2357.7751,"end":2358.2551,"confidence":0.9921875,"punctuated_word":"discover","sentiment":"neutral","sentiment_score":0.2653849422931671},{"word":"we","start":2358.2551,"end":2358.415,"confidence":0.99316406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17007708549499512},{"word":"really","start":2358.415,"end":2358.575,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.12856563925743103},{"word":"need","start":2358.575,"end":2358.735,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.23444457352161407},{"word":"to","start":2358.735,"end":2358.8152,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23900550603866577},{"word":"do","start":2358.8152,"end":2358.975,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.28958648443222046},{"word":"them","start":2358.975,"end":2359.215,"confidence":0.9199219,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.2972389757633209},{"word":"so","start":2359.215,"end":2359.2952,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.23804062604904175},{"word":"i'm","start":2359.2952,"end":2359.455,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.33458995819091797},{"word":"glad","start":2359.455,"end":2359.695,"confidence":1.0,"punctuated_word":"glad","sentiment":"positive","sentiment_score":0.37224605679512024},{"word":"they're","start":2359.695,"end":2359.935,"confidence":0.9995117,"punctuated_word":"they're","sentiment":"positive","sentiment_score":0.3729761838912964},{"word":"all","start":2359.935,"end":2360.095,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4305402338504791},{"word":"done","start":2360.095,"end":2360.575,"confidence":0.9926758,"punctuated_word":"done.","sentiment":"positive","sentiment_score":0.34397387504577637},{"word":"absolutely","start":2360.575,"end":2361.075,"confidence":0.99853516,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.32355499267578125},{"word":"fantastic","start":2362.19,"end":2362.69,"confidence":0.8598633,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.4808834791183472},{"word":"well","start":2362.75,"end":2362.91,"confidence":0.9567871,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.1852526217699051},{"word":"just","start":2362.91,"end":2363.15,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15546339750289917},{"word":"to","start":2363.15,"end":2363.23,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12750767171382904},{"word":"kinda","start":2363.23,"end":2363.47,"confidence":0.63623047,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.15069881081581116},{"word":"recap","start":2363.47,"end":2363.7898,"confidence":0.96875,"punctuated_word":"recap,","sentiment":"neutral","sentiment_score":0.1295226812362671},{"word":"what","start":2363.7898,"end":2363.95,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.12975051999092102},{"word":"i'll","start":2363.95,"end":2364.1099,"confidence":0.99609375,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.13717591762542725},{"word":"do","start":2364.1099,"end":2364.19,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.14329081773757937},{"word":"is","start":2364.19,"end":2364.3499,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1438763439655304},{"word":"i'll","start":2364.3499,"end":2364.5898,"confidence":0.99072266,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.15314814448356628},{"word":"do","start":2364.5898,"end":2364.75,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.14926359057426453},{"word":"up","start":2364.75,"end":2365.15,"confidence":0.9560547,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.17087185382843018},{"word":"do","start":2365.3098,"end":2365.47,"confidence":0.9902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1583978682756424},{"word":"some","start":2365.47,"end":2365.63,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.16556687653064728},{"word":"research","start":2365.63,"end":2366.1099,"confidence":0.99902344,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.15728506445884705},{"word":"for","start":2366.1099,"end":2366.19,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15571506321430206},{"word":"you","start":2366.19,"end":2366.27,"confidence":0.9790039,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1517455130815506},{"word":"it","start":2366.27,"end":2366.3499,"confidence":0.7475586,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.09770634770393372},{"word":"does","start":2366.3499,"end":2366.5098,"confidence":0.93115234,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.10182817280292512},{"word":"take","start":2366.5098,"end":2366.67,"confidence":0.9980469,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.12400545179843904},{"word":"a","start":2366.67,"end":2366.75,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11512845009565352},{"word":"few","start":2366.75,"end":2366.91,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.07179097831249237},{"word":"weeks","start":2366.91,"end":2367.23,"confidence":1.0,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.08935469388961792},{"word":"to","start":2367.23,"end":2367.39,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07952962815761566},{"word":"kind","start":2367.39,"end":2367.63,"confidence":0.9716797,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.11330870538949966},{"word":"of","start":2367.63,"end":2367.8699,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13740397989749908},{"word":"reevaluate","start":2367.8699,"end":2368.3699,"confidence":0.9980469,"punctuated_word":"reevaluate","sentiment":"neutral","sentiment_score":0.11276664584875108},{"word":"all","start":2368.5098,"end":2368.67,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.14629529416561127},{"word":"the","start":2368.67,"end":2368.8298,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13908790051937103},{"word":"investments","start":2368.8298,"end":2369.3298,"confidence":0.9667969,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.08142242580652237},{"word":"and","start":2369.39,"end":2369.71,"confidence":0.97265625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11377286911010742},{"word":"do","start":2369.71,"end":2369.8699,"confidence":0.9921875,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15651363134384155},{"word":"up","start":2369.8699,"end":2370.0298,"confidence":0.94189453,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.16389667987823486},{"word":"an","start":2370.0298,"end":2370.19,"confidence":0.9951172,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.18271103501319885},{"word":"advice","start":2370.19,"end":2370.5898,"confidence":0.9550781,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.13591623306274414},{"word":"document","start":2370.5898,"end":2370.99,"confidence":0.9863281,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.14630679786205292},{"word":"for","start":2370.99,"end":2371.15,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18025392293930056},{"word":"you","start":2371.15,"end":2371.3098,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.142857626080513},{"word":"so","start":2371.3098,"end":2371.5498,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11732296645641328},{"word":"once","start":2371.5498,"end":2371.7898,"confidence":1.0,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.10176114737987518},{"word":"we","start":2371.7898,"end":2371.95,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08483052253723145},{"word":"have","start":2371.95,"end":2372.1099,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09603867679834366},{"word":"got","start":2372.1099,"end":2372.2698,"confidence":0.9526367,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1020481139421463},{"word":"that","start":2372.2698,"end":2372.5098,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12571103870868683},{"word":"ready","start":2372.5098,"end":2372.75,"confidence":1.0,"punctuated_word":"ready","sentiment":"neutral","sentiment_score":0.14965355396270752},{"word":"to","start":2372.75,"end":2372.91,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13751336932182312},{"word":"go","start":2372.91,"end":2373.15,"confidence":0.9995117,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":0.1369304656982422},{"word":"i'll","start":2373.15,"end":2373.3098,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.12428630888462068},{"word":"come","start":2373.3098,"end":2373.47,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.13248734176158905},{"word":"back","start":2373.47,"end":2373.71,"confidence":0.9255371,"punctuated_word":"back,","sentiment":"neutral","sentiment_score":0.1054774820804596},{"word":"book","start":2373.71,"end":2373.95,"confidence":0.9550781,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.14817599952220917},{"word":"you","start":2373.95,"end":2374.1099,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12091156095266342},{"word":"back","start":2374.1099,"end":2374.2698,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.13619095087051392},{"word":"in","start":2374.2698,"end":2374.3499,"confidence":0.97802734,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.1249340921640396},{"word":"and","start":2374.3499,"end":2374.5098,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13388073444366455},{"word":"we'll","start":2374.5098,"end":2374.75,"confidence":0.99560547,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.13969305157661438},{"word":"go","start":2374.75,"end":2374.91,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.144856795668602},{"word":"through","start":2374.91,"end":2375.0698,"confidence":0.9760742,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1591980755329132},{"word":"the","start":2375.0698,"end":2375.23,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1735883206129074},{"word":"advice","start":2375.23,"end":2375.63,"confidence":0.9951172,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.1394129991531372},{"word":"together","start":2375.63,"end":2376.13,"confidence":1.0,"punctuated_word":"together.","sentiment":"neutral","sentiment_score":0.13573892414569855},{"word":"i'll","start":2376.8152,"end":2376.975,"confidence":0.99560547,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0945357084274292},{"word":"also","start":2376.975,"end":2377.455,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.08702351897954941},{"word":"do","start":2377.455,"end":2377.6152,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09379130601882936},{"word":"up","start":2377.6152,"end":2377.7751,"confidence":0.9863281,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.09871918708086014},{"word":"a","start":2377.7751,"end":2377.8552,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10237517952919006},{"word":"bit","start":2377.8552,"end":2378.0151,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1077990010380745},{"word":"of","start":2378.0151,"end":2378.175,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12891468405723572},{"word":"an","start":2378.175,"end":2378.415,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.10962389409542084},{"word":"increased","start":2378.415,"end":2378.895,"confidence":0.7709961,"punctuated_word":"increased","sentiment":"neutral","sentiment_score":0.0939045399427414},{"word":"quote","start":2378.895,"end":2379.2952,"confidence":0.9892578,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.12582100927829742},{"word":"for","start":2379.2952,"end":2379.6152,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0976540595293045},{"word":"your","start":2379.6152,"end":2379.935,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10177478939294816},{"word":"income","start":2379.935,"end":2380.3352,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.10198882967233658},{"word":"protection","start":2380.3352,"end":2380.8352,"confidence":0.99902344,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.08402378857135773},{"word":"just","start":2380.895,"end":2381.135,"confidence":0.984375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04738575592637062},{"word":"to","start":2381.135,"end":2381.2952,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03854449838399887},{"word":"sort","start":2381.2952,"end":2381.455,"confidence":0.9980469,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.025208337232470512},{"word":"of","start":2381.455,"end":2381.6152,"confidence":0.9277344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05272062122821808},{"word":"send","start":2381.6152,"end":2381.8552,"confidence":0.97509766,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.05611228942871094},{"word":"through","start":2381.8552,"end":2382.0952,"confidence":0.9863281,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.04520010948181152},{"word":"so","start":2382.0952,"end":2382.3352,"confidence":0.94921875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0628543496131897},{"word":"you","start":2382.3352,"end":2382.415,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0696253776550293},{"word":"can","start":2382.415,"end":2382.655,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0672396570444107},{"word":"review","start":2382.655,"end":2382.975,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.06769776344299316},{"word":"what","start":2382.975,"end":2383.215,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.034306757152080536},{"word":"that","start":2383.215,"end":2383.375,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0486726313829422},{"word":"might","start":2383.375,"end":2383.5352,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.015610363334417343},{"word":"look","start":2383.5352,"end":2383.7751,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06275796890258789},{"word":"like","start":2383.7751,"end":2384.0151,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.060777731239795685},{"word":"to","start":2384.0151,"end":2384.175,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05577469244599342},{"word":"increase","start":2384.175,"end":2384.655,"confidence":1.0,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.07642850279808044},{"word":"that","start":2384.655,"end":2385.155,"confidence":0.99902344,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.07386171817779541},{"word":"i'll","start":2385.6152,"end":2385.8552,"confidence":0.98217773,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.05742824077606201},{"word":"also","start":2385.8552,"end":2386.3352,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0458984449505806},{"word":"add","start":2386.3352,"end":2386.495,"confidence":1.0,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.0499369278550148},{"word":"any","start":2386.495,"end":2386.735,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.050329647958278656},{"word":"notes","start":2386.735,"end":2387.0552,"confidence":0.99121094,"punctuated_word":"notes","sentiment":"neutral","sentiment_score":0.03516693413257599},{"word":"down","start":2387.0552,"end":2387.375,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.047095317393541336},{"word":"around","start":2387.375,"end":2387.6152,"confidence":0.9970703,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.03690531477332115},{"word":"any","start":2387.6152,"end":2387.935,"confidence":0.9951172,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.035242535173892975},{"word":"exclusions","start":2387.935,"end":2388.435,"confidence":0.9941406,"punctuated_word":"exclusions","sentiment":"neutral","sentiment_score":0.016434278339147568},{"word":"or","start":2388.495,"end":2388.655,"confidence":0.96972656,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.01111735962331295},{"word":"loadings","start":2388.655,"end":2389.0552,"confidence":0.9885254,"punctuated_word":"loadings","sentiment":"neutral","sentiment_score":0.02759329043328762},{"word":"that","start":2389.0552,"end":2389.215,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02892303094267845},{"word":"you","start":2389.215,"end":2389.375,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03344038128852844},{"word":"might","start":2389.375,"end":2389.5352,"confidence":0.99609375,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.007359258830547333},{"word":"have","start":2389.5352,"end":2389.7751,"confidence":0.98828125,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.012675274163484572},{"word":"applied","start":2389.7751,"end":2390.175,"confidence":0.98095703,"punctuated_word":"applied","sentiment":"neutral","sentiment_score":0.02993655391037464},{"word":"or","start":2390.175,"end":2390.61,"confidence":0.96777344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04788476973772049},{"word":"expected","start":2390.6902,"end":2391.01,"confidence":0.9140625,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":0.06793475151062012},{"word":"with","start":2391.01,"end":2391.09,"confidence":0.9921875,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06732814759016037},{"word":"regards","start":2391.09,"end":2391.57,"confidence":0.6723633,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.057652704417705536},{"word":"to","start":2391.57,"end":2391.7302,"confidence":0.9633789,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06316283345222473},{"word":"that","start":2391.7302,"end":2391.9702,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07993435859680176},{"word":"to","start":2391.9702,"end":2392.1301,"confidence":0.4790039,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10390470921993256},{"word":"gonna","start":2392.1301,"end":2392.29,"confidence":0.6230469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.14734724164009094},{"word":"give","start":2392.29,"end":2392.4502,"confidence":0.9980469,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.10952230542898178},{"word":"you","start":2392.4502,"end":2392.61,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12307287752628326},{"word":"an","start":2392.61,"end":2392.85,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.09155790507793428},{"word":"overview","start":2392.85,"end":2393.25,"confidence":1.0,"punctuated_word":"overview","sentiment":"neutral","sentiment_score":0.08628534525632858},{"word":"on","start":2393.25,"end":2393.33,"confidence":0.9716797,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05877118557691574},{"word":"whether","start":2393.33,"end":2393.57,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.03847057372331619},{"word":"you","start":2393.57,"end":2393.81,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06002931296825409},{"word":"wanted","start":2393.81,"end":2394.1301,"confidence":0.9892578,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.03769540414214134},{"word":"to","start":2394.1301,"end":2394.2102,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03731157630681992},{"word":"increase","start":2394.2102,"end":2394.61,"confidence":0.99902344,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.07675712555646896},{"word":"that","start":2394.61,"end":2394.85,"confidence":0.7421875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07046976685523987},{"word":"insurances","start":2394.85,"end":2395.35,"confidence":0.9894206,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":0.07489173114299774},{"word":"if","start":2395.8901,"end":2396.05,"confidence":0.9980469,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.09678810089826584},{"word":"you","start":2396.05,"end":2396.2102,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09410171955823898},{"word":"have","start":2396.2102,"end":2396.61,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07865642756223679},{"word":"any","start":2396.61,"end":2396.9302,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.07380761206150055},{"word":"questions","start":2396.9302,"end":2397.33,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.05345810949802399},{"word":"in","start":2397.33,"end":2397.49,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06099031865596771},{"word":"relation","start":2397.49,"end":2397.81,"confidence":0.99902344,"punctuated_word":"relation","sentiment":"neutral","sentiment_score":0.06814542412757874},{"word":"to","start":2397.81,"end":2397.9702,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08546780049800873},{"word":"any","start":2397.9702,"end":2398.1301,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1052958220243454},{"word":"of","start":2398.1301,"end":2398.2102,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09337951242923737},{"word":"those","start":2398.2102,"end":2398.37,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.07521997392177582},{"word":"days","start":2398.37,"end":2398.61,"confidence":0.8359375,"punctuated_word":"days,","sentiment":"neutral","sentiment_score":0.12960165739059448},{"word":"you're","start":2398.61,"end":2398.85,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.18035349249839783},{"word":"welcome","start":2398.85,"end":2399.1702,"confidence":1.0,"punctuated_word":"welcome","sentiment":"neutral","sentiment_score":0.21782585978507996},{"word":"to","start":2399.1702,"end":2399.25,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2179112434387207},{"word":"come","start":2399.25,"end":2399.4102,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.17897430062294006},{"word":"back","start":2399.4102,"end":2399.57,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.15426000952720642},{"word":"and","start":2399.57,"end":2399.7302,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19099092483520508},{"word":"let","start":2399.7302,"end":2399.8901,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.15964892506599426},{"word":"me","start":2399.8901,"end":2399.9702,"confidence":0.9980469,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.16277411580085754},{"word":"know","start":2399.9702,"end":2400.2102,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.16101090610027313},{"word":"at","start":2400.2102,"end":2400.29,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.13800746202468872},{"word":"any","start":2400.29,"end":2400.61,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.16296280920505524},{"word":"point","start":2400.61,"end":2400.77,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.1218026876449585},{"word":"in","start":2400.77,"end":2401.01,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1412404179573059},{"word":"time","start":2401.01,"end":2401.49,"confidence":1.0,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.149971604347229},{"word":"okay","start":2401.49,"end":2401.99,"confidence":0.9946289,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.08762496709823608},{"word":"is","start":2403.585,"end":2403.905,"confidence":0.96875,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.016714556142687798},{"word":"there","start":2403.905,"end":2404.145,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.018192201852798465},{"word":"any","start":2404.145,"end":2404.385,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.01862102560698986},{"word":"other","start":2404.385,"end":2404.625,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.011923126876354218},{"word":"medium","start":2404.625,"end":2405.025,"confidence":1.0,"punctuated_word":"medium","sentiment":"neutral","sentiment_score":0.02521058544516563},{"word":"term","start":2405.025,"end":2405.265,"confidence":0.99902344,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.044154901057481766},{"word":"goals","start":2405.265,"end":2405.585,"confidence":0.9902344,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.039043836295604706},{"word":"or","start":2405.585,"end":2405.745,"confidence":0.9838867,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02367706783115864},{"word":"any","start":2405.745,"end":2405.905,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.02142050676047802},{"word":"other","start":2405.905,"end":2406.145,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.018168900161981583},{"word":"goals","start":2406.145,"end":2406.385,"confidence":1.0,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.053490400314331055},{"word":"that","start":2406.385,"end":2406.545,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02289159782230854},{"word":"you","start":2406.545,"end":2406.705,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02103592269122601},{"word":"might","start":2406.705,"end":2406.945,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.008534092456102371},{"word":"have","start":2406.945,"end":2407.105,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02087729424238205},{"word":"down","start":2407.105,"end":2407.345,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.041276514530181885},{"word":"the","start":2407.345,"end":2407.505,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04298485070466995},{"word":"track","start":2407.505,"end":2407.745,"confidence":0.98535156,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.07058309763669968},{"word":"that","start":2407.745,"end":2407.905,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.019696105271577835},{"word":"you're","start":2407.905,"end":2408.145,"confidence":0.9970703,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.022511489689350128},{"word":"sort","start":2408.145,"end":2408.305,"confidence":0.9951172,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.01805781200528145},{"word":"of","start":2408.305,"end":2408.465,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.028689615428447723},{"word":"looking","start":2408.465,"end":2408.865,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.03177311271429062},{"word":"to","start":2408.865,"end":2409.105,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02010086178779602},{"word":"achieve","start":2409.105,"end":2409.605,"confidence":1.0,"punctuated_word":"achieve","sentiment":"neutral","sentiment_score":0.05324414744973183},{"word":"or","start":2409.665,"end":2410.065,"confidence":0.8232422,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.01212501898407936},{"word":"nothing","start":2410.065,"end":2410.465,"confidence":0.9970703,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.037601932883262634},{"word":"at","start":2410.465,"end":2410.625,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.02468501403927803},{"word":"the","start":2410.625,"end":2410.705,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004561875015497208},{"word":"moment","start":2410.705,"end":2411.205,"confidence":0.9020996,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.0039618611335754395},{"word":"or","start":2411.345,"end":2411.845,"confidence":0.9873047,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.0066907331347465515},{"word":"no","start":2414.075,"end":2414.575,"confidence":0.8383789,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.0651106908917427},{"word":"no","start":2414.96,"end":2415.1199,"confidence":0.99853516,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05686356872320175},{"word":"that's","start":2415.1199,"end":2415.5999,"confidence":0.9785156,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.022185465320944783},{"word":"okay","start":2415.5999,"end":2416.0,"confidence":0.9980469,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.04458083584904671},{"word":"i'll","start":2416.0,"end":2416.24,"confidence":0.99853516,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1097111850976944},{"word":"pop","start":2416.24,"end":2416.4,"confidence":0.9951172,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":0.150899276137352},{"word":"down","start":2416.4,"end":2416.5598,"confidence":0.9941406,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.1296832710504532},{"word":"here","start":2416.5598,"end":2416.7998,"confidence":0.72424316,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.11921221017837524},{"word":"finish","start":2416.7998,"end":2417.2998,"confidence":0.98291016,"punctuated_word":"finish","sentiment":"neutral","sentiment_score":0.14767129719257355},{"word":"the","start":2417.3599,"end":2417.68,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13672475516796112},{"word":"granny","start":2417.68,"end":2418.16,"confidence":0.7388916,"punctuated_word":"Granny","sentiment":"neutral","sentiment_score":0.11853298544883728},{"word":"flat","start":2418.16,"end":2418.66,"confidence":0.7233887,"punctuated_word":"Flat,","sentiment":"neutral","sentiment_score":0.12467308342456818},{"word":"possibly","start":2419.0398,"end":2419.5398,"confidence":0.9135742,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":0.1105830892920494},{"word":"add","start":2419.76,"end":2420.0,"confidence":0.66845703,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.11103683710098268},{"word":"additional","start":2420.16,"end":2420.5598,"confidence":0.99902344,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.09237557649612428},{"word":"properties","start":2420.5598,"end":2420.96,"confidence":0.99902344,"punctuated_word":"properties","sentiment":"neutral","sentiment_score":0.08807159960269928},{"word":"down","start":2420.96,"end":2421.2,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.0921659767627716},{"word":"the","start":2421.2,"end":2421.44,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11920228600502014},{"word":"track","start":2421.44,"end":2421.68,"confidence":0.9716797,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.09509330987930298},{"word":"there","start":2421.68,"end":2421.92,"confidence":0.9921875,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.019104614853858948},{"word":"you've","start":2421.92,"end":2422.16,"confidence":0.9995117,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.08655059337615967},{"word":"also","start":2422.16,"end":2422.48,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.06015290692448616},{"word":"got","start":2422.48,"end":2422.64,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.06334055215120316},{"word":"here","start":2422.64,"end":2423.14,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.062003761529922485},{"word":"commercial","start":2423.2,"end":2423.7,"confidence":0.70996094,"punctuated_word":"commercial","sentiment":"neutral","sentiment_score":0.06434744596481323},{"word":"properties","start":2423.76,"end":2424.26,"confidence":1.0,"punctuated_word":"properties","sentiment":"neutral","sentiment_score":0.06588181853294373},{"word":"that","start":2424.4,"end":2424.64,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08811546117067337},{"word":"you","start":2424.64,"end":2424.7998,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08270949870347977},{"word":"might","start":2424.7998,"end":2424.96,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.06889313459396362},{"word":"wanna","start":2424.96,"end":2425.3599,"confidence":0.91845703,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.12230151891708374},{"word":"invest","start":2425.3599,"end":2425.68,"confidence":0.9941406,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.07592785358428955},{"word":"in","start":2425.68,"end":2425.8398,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10132192075252532},{"word":"down","start":2425.8398,"end":2426.0798,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.09473174065351486},{"word":"the","start":2426.0798,"end":2426.24,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10038278251886368},{"word":"track","start":2426.24,"end":2426.48,"confidence":0.9980469,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.08222191780805588},{"word":"there","start":2426.48,"end":2426.72,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1249493882060051},{"word":"as","start":2426.72,"end":2426.96,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1033320501446724},{"word":"well","start":2426.96,"end":2427.2798,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.09312548488378523},{"word":"does","start":2427.2798,"end":2427.5198,"confidence":0.9970703,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.0836053341627121},{"word":"that","start":2427.5198,"end":2427.76,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1701287180185318},{"word":"sound","start":2427.76,"end":2428.0798,"confidence":1.0,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.08482620120048523},{"word":"about","start":2428.0798,"end":2428.4,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0405917763710022},{"word":"right","start":2428.4,"end":2428.88,"confidence":0.9995117,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.093575581908226},{"word":"yep","start":2428.88,"end":2429.38,"confidence":0.8967285,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08032996952533722},{"word":"oh","start":2431.005,"end":2431.325,"confidence":0.9472656,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.6575338840484619},{"word":"fantastic","start":2431.325,"end":2431.825,"confidence":0.9995117,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.713121771812439},{"word":"is","start":2432.2048,"end":2432.365,"confidence":0.6977539,"punctuated_word":"Is","sentiment":"positive","sentiment_score":0.35961034893989563},{"word":"there","start":2432.365,"end":2432.605,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2556819021701813},{"word":"anything","start":2432.605,"end":2432.9248,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.30224117636680603},{"word":"else","start":2432.9248,"end":2433.2449,"confidence":1.0,"punctuated_word":"else","sentiment":"positive","sentiment_score":0.3454653024673462},{"word":"that","start":2433.2449,"end":2433.405,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17799535393714905},{"word":"you","start":2433.405,"end":2433.565,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14367890357971191},{"word":"might","start":2433.565,"end":2433.805,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.12327837198972702},{"word":"want","start":2433.805,"end":2433.9648,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.15465719997882843},{"word":"me","start":2433.9648,"end":2434.125,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1964024305343628},{"word":"to","start":2434.125,"end":2434.285,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2106584310531616},{"word":"touch","start":2434.285,"end":2434.605,"confidence":0.9741211,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.2606287896633148},{"word":"on","start":2434.605,"end":2434.845,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.25885677337646484},{"word":"or","start":2434.845,"end":2435.005,"confidence":0.78027344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.23639045655727384},{"word":"anything","start":2435.005,"end":2435.325,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.1996869444847107},{"word":"i","start":2435.325,"end":2435.565,"confidence":0.9267578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15490274131298065},{"word":"may","start":2435.565,"end":2435.7249,"confidence":0.99902344,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.1992989480495453},{"word":"have","start":2435.7249,"end":2435.885,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.19888193905353543},{"word":"missed","start":2435.885,"end":2436.365,"confidence":1.0,"punctuated_word":"missed","sentiment":"neutral","sentiment_score":0.17728324234485626},{"word":"or","start":2436.365,"end":2436.845,"confidence":0.87158203,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.22153419256210327},{"word":"anything","start":2436.845,"end":2437.165,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.2529106140136719},{"word":"else","start":2437.165,"end":2437.405,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.21364545822143555},{"word":"of","start":2437.405,"end":2437.565,"confidence":0.8798828,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1519104391336441},{"word":"importance","start":2437.565,"end":2438.045,"confidence":0.9873047,"punctuated_word":"importance","sentiment":"neutral","sentiment_score":0.16252581775188446},{"word":"or","start":2438.045,"end":2438.125,"confidence":0.94189453,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.24780648946762085},{"word":"any","start":2438.125,"end":2438.285,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1944829523563385},{"word":"other","start":2438.285,"end":2438.525,"confidence":0.9892578,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.1865562200546265},{"word":"questions","start":2438.525,"end":2438.845,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.1989671289920807},{"word":"that","start":2438.845,"end":2439.005,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14023585617542267},{"word":"you","start":2439.005,"end":2439.165,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19466036558151245},{"word":"might","start":2439.165,"end":2439.325,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.1575985699892044},{"word":"have","start":2439.325,"end":2439.565,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14170441031455994},{"word":"at","start":2439.565,"end":2439.7249,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14883917570114136},{"word":"all","start":2439.7249,"end":2440.2249,"confidence":0.9995117,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.15980157256126404},{"word":"no","start":2441.885,"end":2442.385,"confidence":0.94873047,"punctuated_word":"No?","sentiment":"neutral","sentiment_score":0.019140765070915226},{"word":"fantastic","start":2443.53,"end":2444.03,"confidence":0.99560547,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5419285297393799},{"word":"not","start":2444.73,"end":2445.05,"confidence":0.9980469,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.4671527445316314},{"word":"a","start":2445.05,"end":2445.21,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.40972650051116943},{"word":"problem","start":2445.21,"end":2445.45,"confidence":0.814209,"punctuated_word":"problem.","sentiment":"positive","sentiment_score":0.4394377470016479},{"word":"but","start":2445.45,"end":2445.6902,"confidence":0.9448242,"punctuated_word":"But","sentiment":"positive","sentiment_score":0.38311535120010376},{"word":"i","start":2445.6902,"end":2445.77,"confidence":0.90771484,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3881882131099701},{"word":"will","start":2445.77,"end":2445.9302,"confidence":0.9892578,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.4734198749065399},{"word":"i","start":2445.9302,"end":2446.01,"confidence":0.95947266,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.43494316935539246},{"word":"will","start":2446.01,"end":2446.25,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.4740435779094696},{"word":"get","start":2446.25,"end":2446.4102,"confidence":0.9970703,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.42392751574516296},{"word":"cracking","start":2446.4102,"end":2446.73,"confidence":0.97509766,"punctuated_word":"cracking","sentiment":"positive","sentiment_score":0.43699878454208374},{"word":"on","start":2446.73,"end":2446.8901,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.5492745041847229},{"word":"that","start":2446.8901,"end":2447.05,"confidence":0.9707031,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.527752697467804},{"word":"research","start":2447.05,"end":2447.45,"confidence":0.9453125,"punctuated_word":"research","sentiment":"positive","sentiment_score":0.5311592817306519},{"word":"there","start":2447.45,"end":2447.6902,"confidence":0.89453125,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.511037290096283},{"word":"for","start":2447.6902,"end":2447.9302,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4747301936149597},{"word":"you","start":2447.9302,"end":2448.1702,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.418876588344574},{"word":"i","start":2448.1702,"end":2448.25,"confidence":0.9892578,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6363874077796936},{"word":"thank","start":2448.25,"end":2448.49,"confidence":1.0,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.7056523561477661},{"word":"you","start":2448.49,"end":2448.6501,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7290124893188477},{"word":"so","start":2448.6501,"end":2448.73,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7062106728553772},{"word":"much","start":2448.73,"end":2448.97,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.7039735317230225},{"word":"for","start":2448.97,"end":2449.1301,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6609551310539246},{"word":"your","start":2449.1301,"end":2449.29,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5919294357299805},{"word":"time","start":2449.29,"end":2449.79,"confidence":0.9980469,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.6583614349365234},{"word":"attached","start":2450.25,"end":2450.73,"confidence":0.9543457,"punctuated_word":"Attached","sentiment":"neutral","sentiment_score":0.16885611414909363},{"word":"to","start":2450.73,"end":2450.81,"confidence":0.8496094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17497335374355316},{"word":"any","start":2450.81,"end":2451.05,"confidence":0.72558594,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.14023782312870026},{"word":"review","start":2451.05,"end":2451.45,"confidence":0.98535156,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.12377138435840608},{"word":"pack","start":2451.45,"end":2451.77,"confidence":0.72216797,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.13566388189792633},{"word":"is","start":2451.77,"end":2451.9302,"confidence":0.97802734,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1190447360277176},{"word":"all","start":2451.9302,"end":2452.09,"confidence":0.9604492,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1284671127796173},{"word":"those","start":2452.09,"end":2452.25,"confidence":0.8881836,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.12413427233695984},{"word":"documents","start":2452.25,"end":2452.73,"confidence":0.99902344,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.12903442978858948},{"word":"i","start":2452.73,"end":2452.8901,"confidence":0.9707031,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13822408020496368},{"word":"went","start":2452.8901,"end":2453.05,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.16189856827259064},{"word":"through","start":2453.05,"end":2453.29,"confidence":0.8132324,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.14963632822036743},{"word":"so","start":2453.29,"end":2453.53,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11547250300645828},{"word":"your","start":2453.53,"end":2453.85,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10769059509038924},{"word":"internal","start":2453.85,"end":2454.33,"confidence":0.99902344,"punctuated_word":"internal","sentiment":"neutral","sentiment_score":0.1337568461894989},{"word":"rate","start":2454.33,"end":2454.49,"confidence":0.99609375,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.14156275987625122},{"word":"of","start":2454.49,"end":2454.6501,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12996317446231842},{"word":"return","start":2454.6501,"end":2455.1301,"confidence":0.9970703,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":0.12579338252544403},{"word":"your","start":2455.1301,"end":2455.53,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1450093388557434},{"word":"summary","start":2455.53,"end":2455.9302,"confidence":0.99902344,"punctuated_word":"summary","sentiment":"neutral","sentiment_score":0.11405007541179656},{"word":"there","start":2455.9302,"end":2456.09,"confidence":0.91137695,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.12815070152282715},{"word":"we've","start":2456.09,"end":2456.33,"confidence":0.9995117,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.1374073624610901},{"word":"also","start":2456.33,"end":2456.57,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.10407392680644988},{"word":"got","start":2456.57,"end":2456.73,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.14813530445098877},{"word":"the","start":2456.73,"end":2456.8901,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13066643476486206},{"word":"financial","start":2456.8901,"end":2457.37,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.12015919387340546},{"word":"services","start":2457.37,"end":2457.87,"confidence":0.99609375,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.08820272982120514},{"word":"guide","start":2457.9302,"end":2458.25,"confidence":0.9394531,"punctuated_word":"guide","sentiment":"neutral","sentiment_score":0.12155802547931673},{"word":"attached","start":2458.25,"end":2458.545,"confidence":0.97314453,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":0.1464177817106247},{"word":"for","start":2458.545,"end":2458.8335,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16077308356761932},{"word":"you","start":2458.8335,"end":2459.1218,"confidence":0.8937988,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.15673992037773132},{"word":"which","start":2459.1218,"end":2459.4104,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.16477526724338531},{"word":"outlines","start":2459.4104,"end":2459.699,"confidence":0.9941406,"punctuated_word":"outlines","sentiment":"neutral","sentiment_score":0.13512247800827026},{"word":"everything","start":2459.699,"end":2459.9873,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.12599153816699982},{"word":"about","start":2459.9873,"end":2460.276,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.09065433591604231},{"word":"who","start":2460.276,"end":2460.5645,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.07146570086479187},{"word":"we","start":2460.5645,"end":2460.8528,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10745854675769806},{"word":"are","start":2460.8528,"end":2461.1414,"confidence":0.99902344,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.12656357884407043},{"word":"what","start":2461.1414,"end":2461.43,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.11612484604120256},{"word":"we","start":2461.43,"end":2461.7183,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11036211997270584},{"word":"do","start":2461.7183,"end":2462.0068,"confidence":0.98950195,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.126580610871315},{"word":"and","start":2462.0068,"end":2462.2952,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13292601704597473},{"word":"how","start":2462.2952,"end":2462.5837,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.09278547018766405},{"word":"we","start":2462.5837,"end":2462.8723,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1387384980916977},{"word":"do","start":2462.8723,"end":2463.1606,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.14528323709964752},{"word":"it","start":2463.1606,"end":2463.4492,"confidence":1.0,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.1508963704109192},{"word":"we","start":2463.4492,"end":2463.7378,"confidence":0.6660156,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.10356318205595016},{"word":"do","start":2463.7378,"end":2464.0261,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11819283664226532},{"word":"also","start":2464.0261,"end":2464.3147,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.09490777552127838},{"word":"have","start":2464.3147,"end":2464.6033,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1264495700597763},{"word":"attached","start":2464.6033,"end":2464.8916,"confidence":0.9873047,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":0.09678834676742554},{"word":"there","start":2464.8916,"end":2465.1802,"confidence":0.98095703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.12692862749099731},{"word":"for","start":2465.1802,"end":2465.4688,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1253284513950348},{"word":"you","start":2465.4688,"end":2465.757,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12001411616802216},{"word":"your","start":2465.757,"end":2466.0457,"confidence":0.92333984,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10440831631422044},{"word":"ongoing","start":2466.0457,"end":2466.3342,"confidence":0.99902344,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.08883730322122574},{"word":"service","start":2466.3342,"end":2466.6226,"confidence":1.0,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.06931925565004349},{"word":"agreement","start":2466.6226,"end":2466.9111,"confidence":0.99121094,"punctuated_word":"agreement.","sentiment":"neutral","sentiment_score":0.09977027773857115},{"word":"so","start":2466.9111,"end":2467.1997,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1179073303937912},{"word":"out","start":2467.1997,"end":2467.488,"confidence":0.9741211,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.12948551774024963},{"word":"of","start":2467.488,"end":2467.7766,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1101224347949028},{"word":"your","start":2467.7766,"end":2468.065,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11769672483205797},{"word":"super","start":2468.065,"end":2468.3535,"confidence":0.73461914,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.1391299068927765},{"word":"you","start":2468.3535,"end":2468.642,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12599119544029236},{"word":"do","start":2468.642,"end":2468.9304,"confidence":0.9902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10451161116361618},{"word":"pay","start":2468.9304,"end":2469.219,"confidence":0.9892578,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.11795777082443236},{"word":"us","start":2469.219,"end":2469.5076,"confidence":0.6665039,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.13863128423690796},{"word":"an","start":2469.5076,"end":2469.796,"confidence":0.9892578,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.10856685042381288},{"word":"ongoing","start":2469.796,"end":2470.0845,"confidence":0.99902344,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.0906287431716919},{"word":"service","start":2470.0845,"end":2470.373,"confidence":0.9970703,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.07325927168130875},{"word":"fee","start":2470.373,"end":2470.6614,"confidence":0.9707031,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.13584579527378082},{"word":"for","start":2470.6614,"end":2470.95,"confidence":0.95947266,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09574174880981444},{"word":"looking","start":2470.95,"end":2471.19,"confidence":0.99121094,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.10584162175655364},{"word":"at","start":2471.19,"end":2471.27,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09884233772754668},{"word":"your","start":2471.27,"end":2471.43,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13843031227588654},{"word":"super","start":2471.43,"end":2471.91,"confidence":0.98828125,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.16415069997310638},{"word":"monitoring","start":2471.91,"end":2472.39,"confidence":0.8310547,"punctuated_word":"monitoring,","sentiment":"neutral","sentiment_score":0.15111136436462402},{"word":"maintaining","start":2472.39,"end":2472.89,"confidence":0.9980469,"punctuated_word":"maintaining","sentiment":"neutral","sentiment_score":0.1826559454202652},{"word":"it","start":2472.95,"end":2473.1099,"confidence":0.9394531,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.21551142632961273},{"word":"and","start":2473.1099,"end":2473.3499,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17677903175354004},{"word":"also","start":2473.3499,"end":2473.75,"confidence":0.82128906,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.14836853742599487},{"word":"updating","start":2473.75,"end":2474.23,"confidence":0.98828125,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":0.21319067478179932},{"word":"and","start":2474.23,"end":2474.39,"confidence":0.87890625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23128175735473633},{"word":"providing","start":2474.39,"end":2474.8699,"confidence":1.0,"punctuated_word":"providing","sentiment":"neutral","sentiment_score":0.26332545280456543},{"word":"advice","start":2474.8699,"end":2475.27,"confidence":0.97998047,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.22041495144367215},{"word":"to","start":2475.27,"end":2475.43,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2473444938659668},{"word":"keep","start":2475.43,"end":2475.67,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.3020482361316681},{"word":"you","start":2475.67,"end":2475.8298,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29095515608787537},{"word":"on","start":2475.8298,"end":2476.07,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2746918797492981},{"word":"track","start":2476.07,"end":2476.31,"confidence":0.99902344,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.26518920063972473},{"word":"towards","start":2476.31,"end":2476.63,"confidence":0.99121094,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.2647048234939575},{"word":"meeting","start":2476.63,"end":2476.95,"confidence":0.99609375,"punctuated_word":"meeting","sentiment":"neutral","sentiment_score":0.2964320182800293},{"word":"your","start":2476.95,"end":2477.19,"confidence":0.96875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.27643072605133057},{"word":"retirement","start":2477.19,"end":2477.67,"confidence":0.99609375,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.2167803794145584},{"word":"goals","start":2477.67,"end":2477.99,"confidence":0.9760742,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.1680704951286316},{"word":"there","start":2477.99,"end":2478.49,"confidence":0.99316406,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.1357189565896988},{"word":"our","start":2478.95,"end":2479.19,"confidence":0.9086914,"punctuated_word":"Our","sentiment":"neutral","sentiment_score":0.04274893552064896},{"word":"ongoing","start":2479.19,"end":2479.69,"confidence":0.99902344,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.06202955543994904},{"word":"service","start":2479.75,"end":2480.15,"confidence":0.9921875,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.04107498377561569},{"word":"fee","start":2480.15,"end":2480.31,"confidence":0.99609375,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.06375910341739655},{"word":"is","start":2480.31,"end":2480.47,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03781154006719589},{"word":"1.65%","start":2480.47,"end":2481.91,"confidence":0.98720706,"punctuated_word":"1.65%","sentiment":"neutral","sentiment_score":0.06868147104978561},{"word":"per","start":2481.91,"end":2482.15,"confidence":0.9760742,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.05377994850277901},{"word":"annum","start":2482.15,"end":2482.65,"confidence":0.9298503,"punctuated_word":"annum.","sentiment":"neutral","sentiment_score":0.05133502185344696},{"word":"that","start":2483.1099,"end":2483.27,"confidence":0.9658203,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.06131364405155182},{"word":"is","start":2483.27,"end":2483.51,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.052798107266426086},{"word":"currently","start":2483.51,"end":2483.91,"confidence":1.0,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.045171208679676056},{"word":"capped","start":2483.91,"end":2484.285,"confidence":0.94970703,"punctuated_word":"capped","sentiment":"neutral","sentiment_score":0.0624970979988575},{"word":"at","start":2484.525,"end":2484.765,"confidence":0.36816406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07228885591030121},{"word":"600,000","start":2484.765,"end":2485.905,"confidence":0.7225749,"punctuated_word":"600,000,","sentiment":"neutral","sentiment_score":0.0890873521566391},{"word":"and","start":2486.2048,"end":2486.365,"confidence":0.8413086,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0754912719130516},{"word":"it's","start":2486.365,"end":2486.605,"confidence":0.9472656,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0766436755657196},{"word":"deducted","start":2486.605,"end":2487.005,"confidence":0.94628906,"punctuated_word":"deducted","sentiment":"neutral","sentiment_score":0.07481339573860168},{"word":"in","start":2487.005,"end":2487.1648,"confidence":0.96533203,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08506543189287186},{"word":"smaller","start":2487.1648,"end":2487.4849,"confidence":0.9614258,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":0.08232329785823822},{"word":"monthly","start":2487.4849,"end":2487.9849,"confidence":0.9941406,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.05393111705780029},{"word":"increments","start":2488.045,"end":2488.545,"confidence":0.94873047,"punctuated_word":"increments.","sentiment":"neutral","sentiment_score":0.06242012232542038},{"word":"so","start":2488.605,"end":2488.765,"confidence":0.9394531,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04249122738838196},{"word":"the","start":2488.765,"end":2488.9248,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.037106096744537354},{"word":"idea","start":2488.9248,"end":2489.325,"confidence":1.0,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.028755800798535347},{"word":"is","start":2489.325,"end":2489.565,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04509038105607033},{"word":"that","start":2489.565,"end":2489.805,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.046391867101192474},{"word":"as","start":2489.805,"end":2489.9648,"confidence":0.94970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03005041554570198},{"word":"a","start":2489.9648,"end":2490.2048,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05112927407026291},{"word":"percentage","start":2490.2048,"end":2490.6848,"confidence":0.99902344,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":0.06284479051828384},{"word":"based","start":2490.6848,"end":2490.9248,"confidence":0.7890625,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.05341089144349098},{"word":"fee","start":2490.9248,"end":2491.085,"confidence":0.9851074,"punctuated_word":"fee,","sentiment":"neutral","sentiment_score":0.04000585526227951},{"word":"it","start":2491.085,"end":2491.325,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0334177203476429},{"word":"fluctuates","start":2491.325,"end":2491.825,"confidence":0.9995117,"punctuated_word":"fluctuates","sentiment":"neutral","sentiment_score":0.02776753343641758},{"word":"with","start":2491.885,"end":2492.045,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.01636325940489769},{"word":"the","start":2492.045,"end":2492.2048,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.013277985155582428},{"word":"market","start":2492.2048,"end":2492.605,"confidence":0.98657227,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.005858294665813446},{"word":"so","start":2492.605,"end":2492.765,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.018127279356122017},{"word":"when","start":2492.765,"end":2493.005,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.012912051752209663},{"word":"the","start":2493.005,"end":2493.085,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01038944162428379},{"word":"market","start":2493.085,"end":2493.405,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.004620905965566635},{"word":"is","start":2493.405,"end":2493.565,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05457806214690208},{"word":"doing","start":2493.565,"end":2493.805,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.062241051346063614},{"word":"really","start":2493.805,"end":2494.045,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.09948086738586426},{"word":"well","start":2494.045,"end":2494.365,"confidence":0.99902344,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.09586060047149658},{"word":"our","start":2494.365,"end":2494.525,"confidence":0.9921875,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.029802821576595303},{"word":"fee","start":2494.525,"end":2494.6848,"confidence":0.99609375,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.034718889743089676},{"word":"is","start":2494.6848,"end":2494.845,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02672300860285759},{"word":"a","start":2494.845,"end":2494.9248,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0383404865860939},{"word":"little","start":2494.9248,"end":2495.1648,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.015670180320739746},{"word":"bit","start":2495.1648,"end":2495.325,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.025503627955913544},{"word":"higher","start":2495.325,"end":2495.825,"confidence":0.99902344,"punctuated_word":"higher.","sentiment":"neutral","sentiment_score":-0.0004799328744411469},{"word":"however","start":2495.9648,"end":2496.365,"confidence":0.9995117,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":-0.01129283756017685},{"word":"when","start":2496.365,"end":2496.525,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.017037704586982727},{"word":"we","start":2496.525,"end":2496.6848,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.000030234456062316895},{"word":"see","start":2496.6848,"end":2496.9248,"confidence":0.95703125,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.031156886368989944},{"word":"dips","start":2496.9248,"end":2497.2449,"confidence":0.8852539,"punctuated_word":"dips","sentiment":"neutral","sentiment_score":-0.034177374094724655},{"word":"like","start":2497.2449,"end":2497.4849,"confidence":0.9658203,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.03892829641699791},{"word":"we","start":2497.4849,"end":2497.645,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.008434779942035675},{"word":"saw","start":2497.645,"end":2497.885,"confidence":0.99609375,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":-0.007863804697990417},{"word":"in","start":2497.885,"end":2498.045,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.01635776460170746},{"word":"march","start":2498.045,"end":2498.285,"confidence":1.0,"punctuated_word":"March","sentiment":"neutral","sentiment_score":-0.02246113121509552},{"word":"and","start":2498.285,"end":2498.4448,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.018721282482147217},{"word":"april","start":2498.4448,"end":2498.845,"confidence":1.0,"punctuated_word":"April","sentiment":"neutral","sentiment_score":-0.01037537306547165},{"word":"this","start":2498.845,"end":2499.085,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.007886454463005066},{"word":"year","start":2499.085,"end":2499.54,"confidence":1.0,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.006015393882989883},{"word":"it","start":2499.62,"end":2499.78,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.008040063083171844},{"word":"means","start":2499.78,"end":2500.02,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.009621191769838331},{"word":"that","start":2500.02,"end":2500.18,"confidence":0.8935547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0006665512919425964},{"word":"our","start":2500.18,"end":2500.26,"confidence":0.9770508,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.03183997422456741},{"word":"fee","start":2500.26,"end":2500.5,"confidence":0.9838867,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":-0.005151662975549698},{"word":"takes","start":2500.5,"end":2500.74,"confidence":0.99902344,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":-0.02803071215748787},{"word":"a","start":2500.74,"end":2500.82,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.006901726126670837},{"word":"bit","start":2500.82,"end":2501.06,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.036978237330913544},{"word":"of","start":2501.06,"end":2501.1401,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.019597746431827545},{"word":"a","start":2501.1401,"end":2501.22,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.015833590179681778},{"word":"dip","start":2501.22,"end":2501.3801,"confidence":0.9921875,"punctuated_word":"dip","sentiment":"neutral","sentiment_score":-0.014353930950164797},{"word":"there","start":2501.3801,"end":2501.62,"confidence":0.97998047,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.02493298053741455},{"word":"with","start":2501.62,"end":2501.86,"confidence":0.9589844,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.008176587522029877},{"word":"it","start":2501.86,"end":2501.94,"confidence":0.98828125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0014704465866088867},{"word":"as","start":2501.94,"end":2502.1,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.012726135551929474},{"word":"well","start":2502.1,"end":2502.34,"confidence":0.982666,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.0029814522713422775},{"word":"so","start":2502.34,"end":2502.58,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.013066217303276062},{"word":"it","start":2502.58,"end":2502.74,"confidence":0.9770508,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.009083881974220276},{"word":"is","start":2502.74,"end":2503.24,"confidence":0.8574219,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.009458202868700027},{"word":"dependent","start":2503.3801,"end":2503.8801,"confidence":0.8305664,"punctuated_word":"dependent","sentiment":"neutral","sentiment_score":0.018953874707221985},{"word":"on","start":2504.02,"end":2504.34,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.01164061203598976},{"word":"what's","start":2504.34,"end":2504.74,"confidence":0.99853516,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.012506077997386456},{"word":"happening","start":2504.74,"end":2505.1401,"confidence":1.0,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":0.015341408550739288},{"word":"with","start":2505.1401,"end":2505.3,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.008271776139736176},{"word":"your","start":2505.3,"end":2505.46,"confidence":0.96240234,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01687009632587433},{"word":"super","start":2505.46,"end":2505.78,"confidence":0.53564453,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.06749086081981659},{"word":"to","start":2505.78,"end":2505.94,"confidence":0.5229492,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07737941294908524},{"word":"how","start":2505.94,"end":2506.1,"confidence":0.9980469,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.06128758564591408},{"word":"much","start":2506.1,"end":2506.34,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.03758633136749267},{"word":"we","start":2506.34,"end":2506.58,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.055579353123903275},{"word":"make","start":2506.58,"end":2506.82,"confidence":0.78808594,"punctuated_word":"make,","sentiment":"neutral","sentiment_score":0.052701614797115326},{"word":"and","start":2506.82,"end":2506.98,"confidence":0.671875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.050275128334760666},{"word":"which","start":2506.98,"end":2507.1401,"confidence":0.9589844,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.08026429265737534},{"word":"is","start":2507.1401,"end":2507.3,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07113698124885559},{"word":"really","start":2507.3,"end":2507.54,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.08882850408554077},{"word":"important","start":2507.54,"end":2507.94,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.045322105288505554},{"word":"because","start":2507.94,"end":2508.26,"confidence":0.90527344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0901975929737091},{"word":"we","start":2508.26,"end":2508.34,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09576816111803056},{"word":"wanna","start":2508.34,"end":2508.58,"confidence":0.9951172,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.12281174212694168},{"word":"make","start":2508.58,"end":2508.74,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08603017032146454},{"word":"sure","start":2508.74,"end":2508.98,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.06258727610111237},{"word":"we're","start":2508.98,"end":2509.06,"confidence":0.9550781,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.09800039231777193},{"word":"putting","start":2509.06,"end":2509.3801,"confidence":0.99902344,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.10321344435214996},{"word":"your","start":2509.3801,"end":2509.62,"confidence":0.9633789,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0663464367389679},{"word":"needs","start":2509.62,"end":2509.86,"confidence":0.9921875,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":0.045705147087574005},{"word":"above","start":2509.86,"end":2510.18,"confidence":0.9980469,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.07528834789991379},{"word":"that","start":2510.18,"end":2510.34,"confidence":0.9838867,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07468276470899582},{"word":"of","start":2510.34,"end":2510.5,"confidence":0.8144531,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.041564956307411194},{"word":"our","start":2510.5,"end":2510.6602,"confidence":0.9980469,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.06868912279605865},{"word":"own","start":2510.6602,"end":2510.98,"confidence":0.68188477,"punctuated_word":"own.","sentiment":"neutral","sentiment_score":0.03251195698976517},{"word":"that","start":2510.98,"end":2511.22,"confidence":0.9941406,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.01993905007839203},{"word":"includes","start":2511.22,"end":2511.62,"confidence":0.99902344,"punctuated_word":"includes","sentiment":"neutral","sentiment_score":0.00322047621011734},{"word":"our","start":2511.62,"end":2511.86,"confidence":0.9482422,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-2.7604401111602783e-6},{"word":"fees","start":2511.86,"end":2512.1,"confidence":0.94873047,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.009274834766983986},{"word":"so","start":2512.1,"end":2512.6,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05759228765964508},{"word":"it's","start":2513.085,"end":2513.325,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1302083432674408},{"word":"good","start":2513.325,"end":2513.565,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.20037776231765747},{"word":"to","start":2513.565,"end":2513.645,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20364677906036377},{"word":"see","start":2513.645,"end":2513.885,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.18398654460906985},{"word":"the","start":2513.885,"end":2514.045,"confidence":0.6430664,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1467026174068451},{"word":"8%","start":2514.045,"end":2514.525,"confidence":0.9995117,"punctuated_word":"8%","sentiment":"neutral","sentiment_score":0.18957588076591492},{"word":"return","start":2514.525,"end":2514.925,"confidence":0.9519043,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":0.1858241856098175},{"word":"and","start":2514.925,"end":2515.165,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13062292337417605},{"word":"that","start":2515.165,"end":2515.2449,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11500166356563568},{"word":"return","start":2515.2449,"end":2515.645,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.11471140384674072},{"word":"is","start":2515.645,"end":2515.965,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06879043579101562},{"word":"after","start":2515.965,"end":2516.285,"confidence":0.9941406,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.09884098172187804},{"word":"fees","start":2516.285,"end":2516.685,"confidence":0.95996094,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.10190372169017792},{"word":"it's","start":2516.685,"end":2516.925,"confidence":0.92285156,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.08632662147283554},{"word":"a","start":2516.925,"end":2517.005,"confidence":0.9199219,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10088135302066804},{"word":"net","start":2517.005,"end":2517.2449,"confidence":1.0,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.12455837428569794},{"word":"return","start":2517.2449,"end":2517.645,"confidence":0.9641113,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":0.1194964274764061},{"word":"and","start":2517.645,"end":2517.805,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10313182324171066},{"word":"that's","start":2517.805,"end":2518.045,"confidence":0.9187012,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0947582945227623},{"word":"after","start":2518.045,"end":2518.365,"confidence":0.97802734,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.08368946611881256},{"word":"our","start":2518.365,"end":2518.525,"confidence":0.9350586,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.08514773845672607},{"word":"ongoing","start":2518.525,"end":2518.925,"confidence":0.99902344,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.09936237335205078},{"word":"service","start":2518.925,"end":2519.325,"confidence":0.9970703,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.05228297412395477},{"word":"fee","start":2519.325,"end":2519.565,"confidence":0.9951172,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.09979758411645888},{"word":"has","start":2519.565,"end":2519.725,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.0940503627061844},{"word":"been","start":2519.725,"end":2519.965,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.11269715428352356},{"word":"deducted","start":2519.965,"end":2520.445,"confidence":0.99609375,"punctuated_word":"deducted","sentiment":"neutral","sentiment_score":0.10702986270189284},{"word":"as","start":2520.445,"end":2520.605,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12002772837877274},{"word":"well","start":2520.605,"end":2520.925,"confidence":0.99609375,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.10978055000305176},{"word":"so","start":2520.925,"end":2521.425,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07932709157466888},{"word":"it's","start":2521.965,"end":2522.465,"confidence":0.9880371,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.10244731605052948},{"word":"really","start":2522.765,"end":2523.2449,"confidence":0.7363281,"punctuated_word":"really,","sentiment":"neutral","sentiment_score":0.1259879171848297},{"word":"really","start":2523.2449,"end":2523.4849,"confidence":0.9194336,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.14371633529663086},{"word":"important","start":2523.4849,"end":2523.805,"confidence":0.99609375,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.10859345644712448},{"word":"that","start":2523.805,"end":2523.965,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1554194688796997},{"word":"we","start":2523.965,"end":2524.125,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16172106564044952},{"word":"kinda","start":2524.125,"end":2524.445,"confidence":0.87841797,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.1868167370557785},{"word":"clarify","start":2524.445,"end":2524.945,"confidence":0.99902344,"punctuated_word":"clarify","sentiment":"neutral","sentiment_score":0.1219651848077774},{"word":"those","start":2525.005,"end":2525.325,"confidence":0.99316406,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.120736762881279},{"word":"for","start":2525.325,"end":2525.565,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16422870755195618},{"word":"you","start":2525.565,"end":2526.065,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.13087350130081177},{"word":"if","start":2526.5798,"end":2526.74,"confidence":0.9902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.13689452409744263},{"word":"you","start":2526.74,"end":2526.8198,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16064445674419403},{"word":"are","start":2526.8198,"end":2527.0598,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1675090789794922},{"word":"happy","start":2527.0598,"end":2527.38,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.21141810715198517},{"word":"with","start":2527.38,"end":2527.54,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.18513797223567963},{"word":"our","start":2527.54,"end":2527.7,"confidence":0.9951172,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.1225447803735733},{"word":"services","start":2527.7,"end":2528.18,"confidence":0.98657227,"punctuated_word":"services,","sentiment":"neutral","sentiment_score":0.1899628639221191},{"word":"wanna","start":2528.18,"end":2528.5,"confidence":0.97998047,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.3126524090766907},{"word":"remain","start":2528.5,"end":2528.8198,"confidence":1.0,"punctuated_word":"remain","sentiment":"neutral","sentiment_score":0.26178544759750366},{"word":"on","start":2528.8198,"end":2529.0598,"confidence":0.7998047,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2527906000614166},{"word":"board","start":2529.0598,"end":2529.3,"confidence":0.99902344,"punctuated_word":"board","sentiment":"neutral","sentiment_score":0.22886285185813904},{"word":"for","start":2529.3,"end":2529.6199,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2034688889980316},{"word":"a","start":2529.6199,"end":2529.7,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2014397382736206},{"word":"bit","start":2529.7,"end":2529.94,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.20962314307689667},{"word":"longer","start":2529.94,"end":2530.26,"confidence":1.0,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":0.2525327801704407},{"word":"as","start":2530.26,"end":2530.42,"confidence":0.9921875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2555878758430481},{"word":"a","start":2530.42,"end":2530.5798,"confidence":0.90234375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2520866394042969},{"word":"client","start":2530.5798,"end":2530.9,"confidence":0.9926758,"punctuated_word":"client,","sentiment":"neutral","sentiment_score":0.2371368706226349},{"word":"i'll","start":2530.9,"end":2530.98,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2583211064338684},{"word":"get","start":2530.98,"end":2531.22,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2770707309246063},{"word":"you","start":2531.22,"end":2531.38,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24974572658538816},{"word":"to","start":2531.38,"end":2531.46,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23372969031333923},{"word":"sign","start":2531.46,"end":2531.6199,"confidence":0.9980469,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.17054657638072968},{"word":"and","start":2531.6199,"end":2531.78,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.169364795088768},{"word":"return","start":2531.78,"end":2532.18,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.22285020351409912},{"word":"that","start":2532.18,"end":2532.3398,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2168770730495453},{"word":"one","start":2532.3398,"end":2532.5,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.22022300958633423},{"word":"back","start":2532.5,"end":2532.74,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.1736302524805069},{"word":"there","start":2532.74,"end":2532.98,"confidence":0.9902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.16849029064178467},{"word":"for","start":2532.98,"end":2533.0598,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18340739607810977},{"word":"me","start":2533.0598,"end":2533.38,"confidence":0.99853516,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.11396264284849168},{"word":"feel","start":2533.38,"end":2533.6199,"confidence":0.9951172,"punctuated_word":"Feel","sentiment":"neutral","sentiment_score":0.27271568775177},{"word":"free","start":2533.6199,"end":2533.8599,"confidence":1.0,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.27196741104125977},{"word":"to","start":2533.8599,"end":2533.94,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19545912742614743},{"word":"take","start":2533.94,"end":2534.18,"confidence":1.0,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.3428669273853302},{"word":"some","start":2534.18,"end":2534.42,"confidence":0.9970703,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.22360289096832275},{"word":"time","start":2534.42,"end":2534.66,"confidence":0.9980469,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.3543171286582947},{"word":"to","start":2534.66,"end":2534.74,"confidence":0.7602539,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3052613139152527},{"word":"read","start":2534.74,"end":2534.98,"confidence":1.0,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.24431762099266052},{"word":"those","start":2534.98,"end":2535.22,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.20796462893486023},{"word":"documents","start":2535.22,"end":2535.72,"confidence":0.9277344,"punctuated_word":"documents.","sentiment":"neutral","sentiment_score":0.23308897018432617},{"word":"and","start":2536.3398,"end":2536.5,"confidence":0.97265625,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.21557831764221191},{"word":"if","start":2536.5,"end":2536.66,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.21571607887744904},{"word":"you","start":2536.66,"end":2536.8198,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2533644139766693},{"word":"do","start":2536.8198,"end":2536.98,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19626466929912567},{"word":"find","start":2536.98,"end":2537.3,"confidence":0.9980469,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.22967475652694705},{"word":"you","start":2537.3,"end":2537.46,"confidence":0.9375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2391030192375183},{"word":"have","start":2537.46,"end":2537.78,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.143106147646904},{"word":"any","start":2537.78,"end":2538.02,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.11728927493095398},{"word":"questions","start":2538.02,"end":2538.5,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.13620179891586304},{"word":"in","start":2538.5,"end":2538.66,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12432197481393814},{"word":"relation","start":2538.66,"end":2539.0598,"confidence":0.9980469,"punctuated_word":"relation","sentiment":"neutral","sentiment_score":0.16759102046489716},{"word":"to","start":2539.0598,"end":2539.22,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20796597003936768},{"word":"any","start":2539.22,"end":2539.38,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.19035044312477112},{"word":"of","start":2539.38,"end":2539.54,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2110278308391571},{"word":"them","start":2539.54,"end":2539.7,"confidence":1.0,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":0.22454756498336792},{"word":"you're","start":2539.7,"end":2539.94,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2937731444835663},{"word":"welcome","start":2539.94,"end":2540.26,"confidence":1.0,"punctuated_word":"welcome","sentiment":"positive","sentiment_score":0.3780761659145355},{"word":"to","start":2540.26,"end":2540.42,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3149491846561432},{"word":"let","start":2540.42,"end":2540.66,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.3208092451095581},{"word":"me","start":2540.66,"end":2540.74,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.295908659696579},{"word":"know","start":2540.74,"end":2541.24,"confidence":0.99902344,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.2843945622444153},{"word":"okay","start":2541.3,"end":2541.8,"confidence":0.8342285,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.17800787091255188},{"word":"excellent","start":2543.995,"end":2544.495,"confidence":0.99853516,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.7948243618011475},{"word":"is","start":2544.955,"end":2545.115,"confidence":0.71728516,"punctuated_word":"Is","sentiment":"positive","sentiment_score":0.4579842686653137},{"word":"there","start":2545.115,"end":2545.355,"confidence":1.0,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.36797142028808594},{"word":"anything","start":2545.355,"end":2545.595,"confidence":1.0,"punctuated_word":"anything","sentiment":"positive","sentiment_score":0.3714048564434051},{"word":"else","start":2545.595,"end":2545.835,"confidence":1.0,"punctuated_word":"else","sentiment":"positive","sentiment_score":0.46216243505477905},{"word":"that","start":2545.835,"end":2545.995,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24893423914909363},{"word":"you","start":2545.995,"end":2546.155,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20506559312343595},{"word":"might","start":2546.155,"end":2546.315,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.15593186020851135},{"word":"want","start":2546.315,"end":2546.475,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.23915553092956543},{"word":"me","start":2546.475,"end":2546.635,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.35482239723205566},{"word":"to","start":2546.635,"end":2546.875,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3388107717037201},{"word":"sort","start":2546.875,"end":2546.955,"confidence":0.9716797,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.4068339765071869},{"word":"of","start":2546.955,"end":2547.115,"confidence":0.9770508,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.44891390204429626},{"word":"research","start":2547.115,"end":2547.615,"confidence":0.98291016,"punctuated_word":"research","sentiment":"positive","sentiment_score":0.36846521496772766},{"word":"or","start":2547.675,"end":2547.915,"confidence":0.92822266,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.16279730200767517},{"word":"just","start":2547.915,"end":2548.155,"confidence":0.7451172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2152220457792282},{"word":"to","start":2548.155,"end":2548.315,"confidence":0.84277344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.236444354057312},{"word":"sort","start":2548.315,"end":2548.475,"confidence":0.99316406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.3109741508960724},{"word":"of","start":2548.475,"end":2548.975,"confidence":0.9980469,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.37535014748573303},{"word":"go","start":2549.115,"end":2549.355,"confidence":0.9370117,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.35011541843414307},{"word":"through","start":2549.355,"end":2549.595,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.40565869212150574},{"word":"while","start":2549.595,"end":2549.7551,"confidence":0.9951172,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.15122024714946747},{"word":"i'm","start":2549.7551,"end":2549.915,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2996206283569336},{"word":"sending","start":2549.915,"end":2550.155,"confidence":1.0,"punctuated_word":"sending","sentiment":"neutral","sentiment_score":0.30789148807525635},{"word":"you","start":2550.155,"end":2550.315,"confidence":0.99609375,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.39377039670944214},{"word":"an","start":2550.315,"end":2550.395,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.2878519594669342},{"word":"email","start":2550.395,"end":2550.715,"confidence":0.9980469,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.3015494644641876},{"word":"so","start":2550.715,"end":2550.875,"confidence":0.24853516,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.23596587777137756},{"word":"i","start":2550.875,"end":2550.955,"confidence":0.49609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2845118045806885},{"word":"could","start":2550.955,"end":2551.035,"confidence":0.35986328,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.25415486097335815},{"word":"any","start":2551.115,"end":2551.355,"confidence":0.86572266,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.17612296342849731},{"word":"other","start":2551.355,"end":2551.5151,"confidence":0.9667969,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.16796615719795227},{"word":"questions","start":2551.5151,"end":2551.915,"confidence":0.9921875,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.1348883956670761},{"word":"that","start":2551.915,"end":2551.995,"confidence":0.94189453,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16305896639823914},{"word":"you","start":2551.995,"end":2552.155,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23088368773460388},{"word":"might","start":2552.155,"end":2552.315,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.1913124918937683},{"word":"might","start":2552.315,"end":2552.555,"confidence":0.9472656,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.15957264602184296},{"word":"have","start":2552.555,"end":2552.715,"confidence":0.95947266,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.20044943690299988},{"word":"popped","start":2552.715,"end":2552.955,"confidence":0.9921875,"punctuated_word":"popped","sentiment":"neutral","sentiment_score":0.22250141203403473},{"word":"up","start":2552.955,"end":2553.115,"confidence":0.95947266,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.21761435270309448},{"word":"in","start":2553.115,"end":2553.2751,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16973978281021118},{"word":"the","start":2553.2751,"end":2553.435,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20920050144195557},{"word":"last","start":2553.435,"end":2553.675,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.1322896033525467},{"word":"few","start":2553.675,"end":2553.835,"confidence":0.99902344,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.14307384192943573},{"word":"minutes","start":2553.835,"end":2554.335,"confidence":0.99072266,"punctuated_word":"minutes?","sentiment":"neutral","sentiment_score":0.21189427375793457},{"word":"no","start":2557.31,"end":2557.81,"confidence":0.7402344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.04156550392508507},{"word":"my","start":2558.03,"end":2558.27,"confidence":0.99609375,"punctuated_word":"My","sentiment":"positive","sentiment_score":0.45163923501968384},{"word":"pleasure","start":2558.27,"end":2558.6702,"confidence":0.98706055,"punctuated_word":"pleasure,","sentiment":"positive","sentiment_score":0.4954224228858948},{"word":"jay","start":2558.6702,"end":2558.9102,"confidence":0.7312012,"punctuated_word":"Jay.","sentiment":"positive","sentiment_score":0.3595060110092163},{"word":"look","start":2558.9102,"end":2559.07,"confidence":0.69628906,"punctuated_word":"Look.","sentiment":"positive","sentiment_score":0.3999716341495514},{"word":"thank","start":2559.07,"end":2559.31,"confidence":0.9970703,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7161172032356262},{"word":"you","start":2559.31,"end":2559.47,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8096033930778503},{"word":"so","start":2559.47,"end":2559.6301,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7853446006774902},{"word":"much","start":2559.6301,"end":2559.87,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.8387197852134705},{"word":"for","start":2559.87,"end":2560.03,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7907087802886963},{"word":"taking","start":2560.03,"end":2560.35,"confidence":1.0,"punctuated_word":"taking","sentiment":"positive","sentiment_score":0.8285937309265137},{"word":"my","start":2560.35,"end":2560.59,"confidence":1.0,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.8263738751411438},{"word":"call","start":2560.59,"end":2561.09,"confidence":1.0,"punctuated_word":"call.","sentiment":"positive","sentiment_score":0.7656459808349609},{"word":"i","start":2561.1501,"end":2561.3901,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.7720039486885071},{"word":"hope","start":2561.3901,"end":2561.55,"confidence":1.0,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.7548669576644897},{"word":"you","start":2561.55,"end":2561.7102,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7359616756439209},{"word":"have","start":2561.7102,"end":2561.9502,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.714832067489624},{"word":"a","start":2561.9502,"end":2562.11,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7407920956611633},{"word":"lovely","start":2562.11,"end":2562.59,"confidence":1.0,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.8423963189125061},{"word":"day","start":2562.59,"end":2562.9102,"confidence":0.9995117,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.7730084657669067},{"word":"i","start":2562.9102,"end":2562.99,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.7045040130615234},{"word":"hope","start":2562.99,"end":2563.23,"confidence":1.0,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.7177349925041199},{"word":"you","start":2563.23,"end":2563.31,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7131422162055969},{"word":"have","start":2563.31,"end":2563.47,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.7123815417289734},{"word":"a","start":2563.47,"end":2563.55,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6898298859596252},{"word":"great","start":2563.55,"end":2563.79,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.7617027163505554},{"word":"weekend","start":2563.79,"end":2564.1902,"confidence":0.9980469,"punctuated_word":"weekend","sentiment":"neutral","sentiment_score":0.24657416343688965},{"word":"coming","start":2564.1902,"end":2564.4302,"confidence":0.9970703,"punctuated_word":"coming","sentiment":"positive","sentiment_score":0.3439321517944336},{"word":"up","start":2564.4302,"end":2564.59,"confidence":0.99316406,"punctuated_word":"up.","sentiment":"positive","sentiment_score":0.39721643924713135},{"word":"i","start":2564.59,"end":2564.75,"confidence":0.9536133,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12654727697372437},{"word":"know","start":2564.75,"end":2564.9102,"confidence":0.9970703,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.023413747549057007},{"word":"it's","start":2564.9102,"end":2565.07,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06443452090024948},{"word":"only","start":2565.07,"end":2565.3901,"confidence":0.97265625,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.007906526327133179},{"word":"tuesday","start":2565.3901,"end":2565.87,"confidence":0.9941406,"punctuated_word":"Tuesday,","sentiment":"neutral","sentiment_score":0.07965803891420364},{"word":"but","start":2565.87,"end":2566.03,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06799835711717606},{"word":"the","start":2566.03,"end":2566.1902,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16449467837810516},{"word":"weekend","start":2566.1902,"end":2566.59,"confidence":0.99902344,"punctuated_word":"weekend","sentiment":"neutral","sentiment_score":0.1890044212341309},{"word":"will","start":2566.59,"end":2566.75,"confidence":0.98828125,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.18903100490570068},{"word":"be","start":2566.75,"end":2566.9102,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.19409506022930145},{"word":"here","start":2566.9102,"end":2567.23,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.1889026165008545},{"word":"before","start":2567.23,"end":2567.55,"confidence":0.578125,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.2563972771167755},{"word":"we","start":2567.55,"end":2567.7102,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16801965236663818},{"word":"know","start":2567.7102,"end":2567.87,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2682318687438965},{"word":"it","start":2567.87,"end":2568.37,"confidence":0.9941406,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.26429882645606995},{"word":"i","start":2569.545,"end":2569.7048,"confidence":0.98828125,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.8488383889198303},{"word":"love","start":2569.7048,"end":2569.785,"confidence":0.9873047,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.8540058732032776},{"word":"it","start":2569.785,"end":2570.025,"confidence":0.7548828,"punctuated_word":"it,","sentiment":"positive","sentiment_score":0.7769397497177124},{"word":"and","start":2570.025,"end":2570.265,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.8005727529525757},{"word":"i'll","start":2570.265,"end":2570.345,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.8181877136230469},{"word":"get","start":2570.345,"end":2570.585,"confidence":0.99902344,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.8671408295631409},{"word":"a","start":2570.585,"end":2570.665,"confidence":0.71777344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7955080270767212},{"word":"crack","start":2570.665,"end":2570.825,"confidence":0.5439453,"punctuated_word":"crack","sentiment":"positive","sentiment_score":0.7815138101577759},{"word":"in","start":2570.825,"end":2570.9849,"confidence":0.60791016,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.7650970220565796},{"word":"that","start":2570.9849,"end":2571.2249,"confidence":0.7817383,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.8198040127754211},{"word":"research","start":2571.2249,"end":2571.625,"confidence":0.9707031,"punctuated_word":"research","sentiment":"positive","sentiment_score":0.7498499155044556},{"word":"there","start":2571.625,"end":2571.865,"confidence":0.94091797,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.7528855800628662},{"word":"if","start":2571.865,"end":2572.025,"confidence":0.99609375,"punctuated_word":"If","sentiment":"positive","sentiment_score":0.3917033970355987},{"word":"there's","start":2572.025,"end":2572.1848,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.3515462875366211},{"word":"anything","start":2572.1848,"end":2572.505,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.3292748034000397},{"word":"that","start":2572.505,"end":2572.585,"confidence":0.9716797,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21649324893951416},{"word":"comes","start":2572.585,"end":2572.825,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.2339693307876587},{"word":"up","start":2572.825,"end":2572.9849,"confidence":0.9995117,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.23613278567790985},{"word":"you're","start":2572.9849,"end":2573.145,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.3917975425720215},{"word":"welcome","start":2573.145,"end":2573.4648,"confidence":0.99902344,"punctuated_word":"welcome","sentiment":"positive","sentiment_score":0.4212550222873688},{"word":"to","start":2573.4648,"end":2573.545,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3694623410701752},{"word":"let","start":2573.545,"end":2573.785,"confidence":1.0,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.3949519693851471},{"word":"me","start":2573.785,"end":2573.865,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.40581926703453064},{"word":"know","start":2573.865,"end":2574.105,"confidence":1.0,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.3459565043449402},{"word":"at","start":2574.105,"end":2574.265,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2637116014957428},{"word":"any","start":2574.265,"end":2574.505,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.2999912202358246},{"word":"point","start":2574.505,"end":2574.9849,"confidence":0.9995117,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":0.31539055705070496},{"word":"okay","start":2574.9849,"end":2575.4849,"confidence":0.95703125,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.21389248967170715},{"word":"thanks","start":2577.305,"end":2577.805,"confidence":0.9736328,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.7336366176605225},{"word":"my","start":2578.505,"end":2578.7449,"confidence":0.8178711,"punctuated_word":"My","sentiment":"positive","sentiment_score":0.7821905612945557},{"word":"pleasure","start":2578.7449,"end":2579.2249,"confidence":1.0,"punctuated_word":"pleasure.","sentiment":"positive","sentiment_score":0.7931836247444153},{"word":"enjoy","start":2579.2249,"end":2579.545,"confidence":1.0,"punctuated_word":"Enjoy","sentiment":"positive","sentiment_score":0.7604919075965881},{"word":"your","start":2579.545,"end":2579.7048,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8150950074195862},{"word":"day","start":2579.7048,"end":2579.9448,"confidence":1.0,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.7911856174468994},{"word":"thank","start":2579.9448,"end":2580.105,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6898666620254517},{"word":"you","start":2580.105,"end":2580.265,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7686724662780762},{"word":"for","start":2580.265,"end":2580.425,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7926487326622009},{"word":"your","start":2580.425,"end":2580.665,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7799131870269775},{"word":"time","start":2580.665,"end":2581.145,"confidence":1.0,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.7674577236175537},{"word":"see","start":2581.145,"end":2581.385,"confidence":0.9951172,"punctuated_word":"See","sentiment":"positive","sentiment_score":0.4461205303668976},{"word":"you","start":2581.385,"end":2581.4648,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5483484864234924},{"word":"later","start":2581.4648,"end":2581.9648,"confidence":1.0,"punctuated_word":"later.","sentiment":"positive","sentiment_score":0.5509963631629944},{"word":"bye","start":2582.665,"end":2583.165,"confidence":0.9946289,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.10928501188755035}],"paragraphs":{"transcript":"\nHey, Sam. I'm good. How are you? Oh, perfect. Awesome.\n\nThank you so much. Because we had the phone ring once. I was like, I wonder if you picked it up. If not, I was gonna try and give her a callback. Easy done.\n\nPerfect. How is she? She's all good. Yes. She does.\n\nFantastic. You can send her through whenever you're ready. Beautiful. Oh, hi, Jade. This is how are you this afternoon?\n\nI'm very well. Thank you. Sorry about playing a bit of phone tag with you. Thank you so much for calling us, but no. You're fine.\n\nAll good. Jade, I had you booked in to go through a bit of an annual review there with you today. Before we jump into the call, just wanted to find out if there's anything specific that you're wanting to maybe have me touch base on or any, sorry, specific questions that you would like me to sort of tackle for you today? Nope. That's okay.\n\nJust a bit of an overview on how sleep has been going for you then. Yes. Beautiful. All good. So, Jade, I just wanna double check.\n\nDo you have access to your email at the moment? Yeah. Beautiful. What I'm gonna do is I'm gonna send through an email to you. It does just have your annual review documents attached there for you, so I'll press send on that one.\n\nYou are welcome to open them up and have a bit of a review of them. I will also touch on some of those documents as we are going through the review there. But the most important ones are just giving you an update on your super performance and a bit of your super an insurance summary there for you as well. Okay. Fantastic.\n\nHow's your morning been so far? Yeah? Yeah. Of course. All good.\n\nBeautiful. And how's everything sort of been since we last caught up last year? Has there been any major changes with work or with your circumstances? Oh, fantastic. Just having a look at what I have here at the moment.\n\nSo we had down here your main primary residence noted as being in Timberlane, and then we also had two investment properties, one in Estuary and the other one in Karratha. Is there any additional to those that we would already have noted? Or Yeah. That's alright. Yeah.\n\nFantastic. No. Well, that's fantastic. Good to hear. Is there any plans to purchase more properties down the track, or are you just sort of seeing how these ones go?\n\nOr Yeah. Oh, fantastic. That'd be a bit of a process building that one. Fantastic. The in laws will be moving in and living in the granny flat and helping out a little bit there for you?\n\nYeah. Beautiful. Excellent. Good to see. We had a note here that you were also had another medium term goal of looking to study or that you were studying.\n\nI'm so sorry. It just says study is a long term goal. Are you currently taking on any additional studies, or is it something you're wanting to do down the track? Yes. No.\n\nThat's okay. Not a problem at all. Is it more just a study on top of what you're currently doing for work, or is it, like, additional another area to study? Building. Yeah.\n\nBeautiful. Yes. Oh, beautiful. Lovely. Excellent.\n\nAnd I had your income last year. It's about 140,000. Is your income increased since we last sort of caught up? Or not the same. Yep.\n\nNo. That's okay. All good. I will apologize in advance there, Jade. It does look like your the annual review pack is coming through.\n\nIt's just not sending at the moment. So after the call, if it's okay, I'll just have to go back in and see what the IT issue is and resend it out to you. So I do apologize that it's probably not coming through with you at the moment. Oh, you have? That's so bizarre.\n\nSays here that it's not sending. Very strange. That's probably it. Yeah. It just keeps telling me there's some fields missing, and it's not sending.\n\nSo if it's come through to you, that is fantastic. Thank you. Sorry about that. Love technology when it wants to work. No.\n\nYou're absolutely fine. Beautiful. Yeah. All good. Yep.\n\nYeah. So if you open the attachments there, you'll see one of those attachments is your superannuation and insurance summary there. So having a look back now, we did sort of catch up and do a review around about November last year there. So I can see having a look here, your your balance and your review time last year was about a hundred and two thousand three hundred and fifty two and fifty cents there. So then having a look at your superannuation balance since then, it has definitely increased.\n\nSo we got a 113,953 and 11¢. So it has definitely gone up, which is good. I don't know if you sort of look at your super very often or hear about what's happening in the news call. Yeah. Yeah.\n\nYeah. Yep. Yes. Yes. Yeah.\n\nAbsolutely. And when I sort of have a look at the graph, I also also have a look at what's happening globally and look at benchmarks. And the benchmark I tend to look at is the all ordinaries, and that gives us an idea of what the the whole ASX as a whole does. And your super has very much gone up and down in line with what the all ordinaries or what the market has as a whole. So there's nothing really that is flagging as really needs to be removed or altered because it is just following market reactions, which is good to know.\n\nAnd it did it did take a very big drop around about sort of the April 7 is when we saw quite a large dip there, and there was another run around about August 2024. So you sort of saw that dip in 2024. It came back and recovered from that point onwards. And then we saw another bit of a dip around March and then another bigger one at April 7, which is when the height of all that with The US and the Iran war was going on in the news. And then, yeah, it has definitely come back.\n\nAnd from about, you know, from there, we have gone back to higher than we were originally. So it has it has definitely recovered out of that and has seen additional growth there. When I look at how your investments are performing individually, and you'll see one of those attachments is the performance with internal rate of return. And that sort of breaks down how your investments are performing individually. Now everything is doing really well.\n\nYou do have some s and p 500 for the top 500 companies in The US. You've got some physical gold. Both of those are performing nicely. We've had a 1618% return on those net growth. We've also got some cybersecurity.\n\nYou've also got some Australian equities in them, some agriculture, and also some infrastructure. And then you've you've got your BANELON Australian equities portion in there. Now Bandalong was originally put in there as a managed fund. All of your investments are performing very well, but you might have sort of noticed your Bandalong Australian equities is actually quite low. It is showing an internal rate of return of down the 18.48%.\n\nEssentially, ban along when it what is originally put in your portfolio was meant to be an actively managed fund. So the investment manager of that fund is meant to be actively managing it to try and outperform against the market. Realistically, some managed funds can outperform against the market. Others don't do it. They don't all do it every year.\n\nIt's not something they're all very good and consistent with doing. But Benelon hasn't been able to outperform the market, and we are finding some of the underlying issues with Benelon are issues that are within the fund. So they're invested in funds that they can't get out of, that there's issues with their underlying investments. So we actually don't see it as a good investment moving forward, and I wanted to kind of move all of our clients away from that. Just sort of having a look at because I'd love to definitely remove this from your portfolio and try to find something else there.\n\nWe do have a couple of different options to look at for the replacement of that investment. But did you wanna look at something a bit more actively managed like what you have here, or did you wanna sort of look at a more of a low cost investment to replace that along? What would your thoughts be around that? Yeah. That's okay.\n\nYeah. Yeah. Yeah. Yes. Yeah.\n\nYeah. Absolutely. Yeah. Absolutely. Yeah.\n\nPerfect. No. That's okay. What I can definitely look at for you to make it a bit easier if you like is obviously the cost side of things. So we can look at how much you were paying for that manage fund and management fees and maybe look at something a bit more lower cost, which has provided a greater level of past return, but also maybe puts more diversification in there.\n\nSo one of the things I like to look at as an adviser is with Benelon, they hold anywhere between 15 to 20 different investment options depending on what they're invested in. Whereas there's other investments out there that might hold a lot more of Australian equities or more investments within their funds, which can give you a greater diversification and might actually be a bit more low cost. Would you like me to sort of weigh up those options and see what sort of is preferable, how it looks, what puts you in a greater position down the track, and maybe make a recommendation on switching that investment out for you? Yeah? That's okay.\n\nNot a problem at all. It's always good to check. Not everyone sort of knows what they're after with investments, but it's always sort of good to check because some people have more of a preference than others. So I do like to kinda gauge how everyone's feeling. But I can have a look at all the different options for you, look at what's gonna work out better for you.\n\nWe do update the advice to reflect the changes, show you the cost, the outcomes, the projection side of things, so then you can decide whether you're happy to take that advice. Does that sound okay? That's okay. That's not a problem at all. We just sort of had a really good look, and I'd like to double check what's happening with your funds there.\n\nAnd I sort of noted when Bennelong hasn't been performing, we are best to try and remove that now rather than down the track. Essentially, while it has seen a little bit of a loss, we don't want that loss to compound further. So we don't want you invested in anything that's been underperforming. Fantastic. Excellent.\n\nNow the other thing to sort of have a look at is the way you are invested. Now you are more of a growth sort of portfolio. And when we have a look at your time horizon, that portfolio does generally suit your time horizon pretty well. What a growth portfolio tends to see is about 80% of your future invested in growth assets. So think of things like Australian shares, international shares, listed property, and also commodities like gold and silver.\n\nAnd then the other 20% in lower risk investments, things like cash, bonds, and fixed interest. Having a look at where your at time horizon was, now you're still very young. You've got a lot of time ahead of you here. So date of birth is '83. Just sort of looking forward at your goal around the time and aspect, and I know you've got a lot of time ahead of you before you reach that.\n\nBut I But are you sort of hoping to be able to access super around about the age of 60 at the earliest possible, or are you sort of hoping or wanting to work a bit longer? What's your long term retirement goal look like? Yeah. Okay. Yeah.\n\nYeah. Okay. Yeah. No. That's perfect.\n\nYep. Yeah. Yes. Yep. Right.\n\nYep. That's okay. So with the Goldie investment properties, you've got two at the moment. You kinda mentioned that you weren't looking to buy any more in the short term at the moment, but is your goal to have more properties down the track to sort of supplement super as income in retirement, or what's your goal with those at the moment? Yep.\n\nYep. No. That's okay. That's perfect. It kinda gives me an idea of where we're tracking.\n\nSo, I mean, realistically, the way I sort of see things at the moment is you're wanting to build your super as much as possible because your super is the one that's gonna be relied on down the track, but then supplementing that by maybe working longer and part time if you can or if you're comfortable doing that when you hit the the sixties, but also then long term, having that investment income coming from those properties to supplement what's coming out of your super to provide that longevity. Am I on the right track with that? Yeah. Beautiful. That's fantastic.\n\nAnd do you know roughly so your husband doesn't work sorry. He's self employed. I do apologize. What does he do for work? Okay.\n\nOh, fantastic. Yep. Wow. Yeah. Wow.\n\nThat is fantastic. Wow. Awesome. And, I mean, coming into winter is sort of when everyone would wanna be getting that full renovated, get all the work done ready for, you know, summer coming back again. So absolutely.\n\nPerfect. No. Excellent. Yep. Wow.\n\nYes. Yeah. Wow. Perfect time. Yeah.\n\nWow. Yeah. Yes. Yeah. Wow.\n\nThat's incredible. And is it sort of gone for long periods of time, like a week or two at a time, or is it more just a few days here and there each week? Yeah. Wow. Yeah.\n\nWow. I mean, that's a pretty amazing skill set. I definitely can't free dive, and I think anyone who can hold their breath for that long is pretty amazing. Oh, wow. Oh, fantastic.\n\nExcellent. Well, I do love that. So what I will sort of look at for the advice is just maybe splitting out that so removing the ban along and replacing it with something else. So look at the cost side of things. One of the things I do wanna look at is the CDT consequences.\n\nSo what your super fund, just like you do, does a tax return every year. So when we do rebalance the portfolio or replace investments, your super fund does have to pay capital gains tax. So I will take that into account as part of the advice there for you. Depending on what we're rebalancing and how Benelong has has sort of performed, we might even be able to offset any CGT consequences inside super and really isn't to your advantage there. So that'll be a good thing to look at.\n\nI know when you came on board, the last few advice documents you probably received would have sort of sorta shown you right up until retirement. Because you are still so young, because there are a lot of things occurring and altering and changing in your life, this advice document will only project out the next five to ten years due to the amount of things that can definitely change. And then we'll just keep building on that for you to try and get as much into super as we possibly can and build that up to give you the, you know, the most the most out of your retirement years when you get to that point. How does that sound? Fantastic.\n\nFantastic. Now a few other questions here just to kinda gauge whether you're in the right portfolio or not. If you sort of have you ever looked at your super and found that it had fallen, Addison? I know we've all sort of bought the saw it fall fall, sorry. I do apologize.\n\nIn March, April this year with what was happening. But have you ever seen it fall very heavily, like, around about 10 or 20% in past? No. That's okay. If you did happen to see your super four pretty heavily, the fact that you can't access it now, you've got quite a bit of time ahead of you.\n\nDo you think seeing dips like that in your would concern or are you sort of not overly concerned because you can't access soup and now you've got a bit of time ahead of you? How do you think you might be feeling? Yeah. Yeah. Yep.\n\nYeah. Yeah. Yep. Absolutely. Yeah.\n\nYep. Yep. Perf perfect. All good. And do you feel like you'd be comfortable now taking on more risk in the market to try and obtain those greater potential returns, or do you feel like you'd be feeling a bit more conservative because of the ups and downs the market has been seeing?\n\nHow do you think you might sort of fit in there? Yep. Yep. Yeah. Yeah.\n\nAbsolutely. Well, with the growth sort of area and the growth portfolio that you're in, when you sort of assess risk out of, say, a number between one and five, you're kind of in that sort of three to 4%. So you're not really in the highest risk category. You're not putting all of your investments in those high growth kind of assets, but you're also not very conservative on the lower end. You're kind of in the middle there.\n\nSo with that eighty twenty split yeah. And, realistically, this sort of portfolio does sort of sit with your time horizon. It generally suits someone who has about six years before they're wanting to access their super. As I mentioned, you have the eighty twenty kind of split between gross defensive assets. And the average return we're looking to try and achieve over the longer term from this one is about seven to 9% on a yearly basis.\n\nSo looking at how your super this year has performed, net of fees, you've actually performed and returned 8.28 percent. So it is definitely in that range. You're kind of on track with what what we're kind of aiming for with this portfolio. And to come out even with what's been happening this year and with Ben along, having a bit of a downtime and not performing the way we wanted to to come up with an 8% return net of fees. There's still a good positive result.\n\nSo very happy with that for the year. Yeah. Fantastic. So I definitely wanna keep you in that growth kind of environment a bit longer. If you ever find the day that you are a bit nervous about what's happening or just had some questions around the investments or anything that you are hearing, please do give us a call.\n\nWe are here to help you along and definitely provide information and guide you through those times. But I'm very positive and very happy with how your super performed for the year. So we'll, you know, try to keep it on track, and I'll just make some alterations of those investments, and I'll come back with an advice document that shows you what I'm outlining recommendation wise. Okay? Beautiful.\n\nNow the other thing is you do also have insurances inside your super fund there as well, paid out of super at the moment. So you've got your life and TBD with ClearView. The current sum insured for those is about 861,842. In the event of a life event, so if you were to pass away prematurely, your super is paid out as well as your life cover. So, realistically, you've got that extra $113,009.53 on top of the $8.61.\n\nWhen we sort of have a look at your assets there, having a look. So with the loans, just to confirm, and let me know if there's any changes here, but your main primary residence there, I have it down here that you're owing about 540,000. Is that fairly accurate, or would that change? That's okay. Yep.\n\nI had a loan of 540,000. That's Timberlane. Oh, fantastic. That's a really good joke. Excellent.\n\nAlright. I've also got the investment property for Estuary, and that one there had a loan of 560,000. Yep. Absolutely. $6.60.\n\nBeautiful. And then the other one I had here is a Carasa, and it was $518,005.30. Then heck. Excellent. So looking at the way and what you wanted your life cover to pay out, so with your goal with your life insurance, if you were to pass away prematurely, are you wanting to just have your main primary residence covered and then, you know, allow your partner to sell the investment properties or keep them depending on what he chooses, or are you kinda wanting to cover all the loans?\n\nWhat would your goal be with? No. Yep. That's okay. So with the current cover you have at the moment, that would obviously pay off the main primary residence there to cover the 400,000 owing.\n\nAnd then, you know, you would have that extra buffer which he could either put on the loans or use to take some time off to allow, you know, bereavement, work out what he wants to do, you know, get whether he wants to, you know, not work for a couple of years, take care of the kids, consider, you know, childcare aspects. So are you fairly comfortable with the life sorry, life cover that you have at the moment? Yep. Beautiful. Beautiful.\n\nNow with TBD, total permanent disability is paid out in the event that you're never able to go back to work again. So with TBD, I just like to clarify because not everyone is aware. Unfortunately, it is also a taxable payment. So if you were to claim TBD, you can pay tax of up to 22% depending on how you take the funds. We, as advisers, if you ever had to claim TBD, would help you to claim it, but then we would also provide advice on how best to structure those payments so that you could limit the amount of tax that you would have to pay.\n\nYeah. But you do have the same amount of TBD as you do, like, $861,008.40 2, which realistically would pay off the main primary residence there, Could also then be used to pay down some of the additional debts, you know, on the other properties if you wanted to, or the additional could be drawn down as income to sort of support, you know, support you for a bit longer, allow for, you know, changes to vehicles or modifications to the home or, you know, recreational recovery, whatever was sort of needed there. But do you are you comfortable with the level of cover you have with CBD? Did you wanna kinda review that at all? That's okay.\n\nBeautiful. And then with the income protection benefit there as well and I do apologize. My computer had a little bit of a moment. I had your income as a 140,000. Did you tell me before that you wanted to increase or alter, or is that still the same?\n\nI'm so sorry. That right. Yes. Beautiful. So having a look at that at the moment, with income protection, you can be covered for up to 70% of your income in the event that you're unable to work in the short term.\n\nWith the income protection benefit you have, you have a benefit amount of $6,008.38. It's a pretax amount and a monthly benefit. So that's how much you could claim pretax if you are off work. 70% of your current income would mean we'd need to increase that benefit to about 8,001 166 per month. So you are a little bit underinsured at the moment.\n\nHowever, in the event of, say, claiming on income protection, would the benefit you're covered for the $6.08 $3.08 plus maybe your husband's income, plus any income from the investment properties or anywhere else that you're able to generate funds from, would all that be sufficient, or would you need to maybe look at increasing that income protection benefit? I'd have to do a bit of a quote for you and see. If you like, I can generate a quote and send it through just to give you a bit of a guide. It's not an exact because it depends on factors there. But I could get a bit of a quote and email it through so you can see what the estimated increase might look like and sort of work out if you need to increase.\n\nYeah. Yep. Absolutely. Not a problem at all. With your income protection, you've also got a ninety day waiting period.\n\nSo you just have to be off work for ninety days prior to making a claim. We suggest that as soon as you're off work and not able to go back for a period of time, you think you're gonna be off that time frame, to give us a call, let us know. We can at least let the insurer know that, you know, there is a possible claim coming, and then they can work out, you know, the ninety day starting point and just makes it a bit easier and more streamlined there for you. And you do have a five year benefit period, so it does mean you can be on a claim for up to five years. After that five years, the claim does stop regardless of whether you can work or not, but I do like a five year benefit period.\n\nIt means that you're you know, most claims are completed within that sort of one to two years. However, there are instances where maybe you need to be on a partial claim for a little bit longer, so having that five year benefit period can provide a bit of a buffer there. Are you sort of happy with the waiting and benefit periods of those at the moment? Or yes. Beautiful.\n\nDo you have any questions about the insurances, how they're structured, or what you can claim, or anything? No. That's okay. Beautiful. And it looks like you don't have any additional insurances that can be held outside sleep.\n\nBut I'm having a bit of a look here. I can see that you've got three kids, three dependents at home as well. Is that right? Yeah. What ages are they?\n\nWow. All teenagers. Wow. That's exciting. So there are additional insurances outside of Life TBD income protection that you could always look to apply for.\n\nWe have other insurances like trauma, which pays out a lump sum tax free benefit in the event that you're diagnosed with, say, Parkinson's, have a heart attack, or a stroke, cancer is probably the biggest one. We can also apply for and obtain, like, child trauma policies, which in the event that your child is diagnosed with, like, a traumatic condition, can also pay out a lump sum tax free benefit there. Those are the types of insurances you can't hold inside. So if they are an external cost added to your back pocket, did you wanna look at an additional cover, or you're just happy with the covers that you have at the moment? Happy?\n\nThat's okay. If you ever wanna have more of a conversation or find out more about these other types of insurances, please let me know. Just making sure that you've got all the information there and that you can make an informed decision. Easy. Fantastic.\n\nI mean, realistically, when you think of all the insurances you can have, you can basically insure everything to the health care. This is the out of pocket expense for doing that. Beautiful. Beautiful. And now so just having a look with your expenditure, are you finding are you guys finding that you are able to save a little bit at the moment?\n\nI think last year when we caught up and did the annual review, we're managing to save or put away about a thousand dollars per week. Are you still finding that, or is it a little bit tougher with everything expenses? Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYep. Okay. Yeah. That's okay. And what's the estimated time frame for having the granny flat completed?\n\nHave you given yourselves a bit of a deadline at all? Or Okay. Wow. Yeah. Yes.\n\nYeah. Yeah. Yep. Okay. Yeah.\n\nYeah. No. No. That's okay. That's fantastic.\n\nWe'll cross our fingers. Everything goes to plan and that you do have all of that done by the end of the year. That'd be fantastic. Excellent. Excellent.\n\nAnd just for the caravan, I have it noted here estimated value last year was about 55,000. Would you alter or change that value or keep it about the same? Yes. What value would it be to you if you if you had to sell the caravan or if you wanted to sell the caravan? What would you want for it?\n\nWhat value is it more to you? Yes. Beautiful. Fantastic. I've was that's okay.\n\nI've also got cars on here. I believe it's probably two. It just says cars, plural. Just double checking, asset value combined is about 30,000. Would you keep the cars roughly the same, or what value are they to you?\n\n20 5. Yep. Beautiful. Yeah. That's okay.\n\nAnd I also had a note here that you've got a boat, roughly estimated value of about 15,000. Yep. Beautiful. And then you also did have about 30 5,000 in savings last year. This was being used for the investment property.\n\nIs that kind of being used for the granny flat, or do you still have that money in an offset? Oh, no. Yeah. Yep. Yep.\n\nYes. Fantastic. Excellent. Excellent. And then with the the property, just so double checking the values on those, the Karratha property, we had it noted about 750,000.\n\nDo you think that might have increased in value a little bit since we spoke last year in November? On point. Yep. That's okay. I've also got here, so the Estuary property about 800,000 in value.\n\nWould you increase that one a little bit or a lot? Yep. Fantastic. Excellent. And then your main primary residence in Timberlane, 1.1 million I had on here for you.\n\nYep. Fantastic. Excellent. Well, thank you so much for updating all those. That's good.\n\nThat's fantastic. I mean, having in recent months, the property markets have been, you know, going up in some areas, not so much in others. And I see the Melbourne's had a little bit of a decrease, so it's good to see WA is being increasing for you guys. Yeah. Excellent.\n\nNow the last thing to sort of touch base on is the estate planning side of things. I do have it noted that you didn't have a will or power of attorney last year when we did the annual review. Have you guys talked about doing up a will, power of attorney, things like that? Yep. Fantastic.\n\nYep. Yep. Yep. No. That's okay.\n\nFantastic. Excellent. And with your beneficiary nominations on your life insurance and your super, I have it noted down here as Darren's spouse a 100% to receive the benefit. That's exactly how you want those to be nominated. Yeah.\n\nFantastic. Excellent. Just making sure everything is up to date there. I'm glad you've done your well. It's one of those things we always kinda put them off and then we discover we really need to do them.\n\nSo I'm glad they're all done. Absolutely. Fantastic. Well, just to kinda recap, what I'll do is I'll do up do some research for you. It does take a few weeks to kind of reevaluate all the investments and do up an advice document for you.\n\nSo once we have got that ready to go, I'll come back, book you back in, and we'll go through the advice together. I'll also do up a bit of an increased quote for your income protection just to sort of send through so you can review what that might look like to increase that. I'll also add any notes down around any exclusions or loadings that you might have applied or expected with regards to that to gonna give you an overview on whether you wanted to increase that insurances. If you have any questions in relation to any of those days, you're welcome to come back and let me know at any point in time. Okay?\n\nIs there any other medium term goals or any other goals that you might have down the track that you're sort of looking to achieve or nothing at the moment? Or no. No. That's okay. I'll pop down here, finish the Granny Flat, possibly add additional properties down the track there.\n\nYou've also got here commercial properties that you might wanna invest in down the track there as well. Does that sound about right? Yep. Oh, fantastic. Is there anything else that you might want me to touch on or anything I may have missed or anything else of importance or any other questions that you might have at all?\n\nNo? Fantastic. Not a problem. But I will I will get cracking on that research there for you. I thank you so much for your time.\n\nAttached to any review pack is all those documents I went through. So your internal rate of return, your summary there. We've also got the financial services guide attached for you, which outlines everything about who we are, what we do, and how we do it. We do also have attached there for you your ongoing service agreement. So out of your super, you do pay us an ongoing service fee for looking at your super monitoring, maintaining it, and also updating and providing advice to keep you on track towards meeting your retirement goals there.\n\nOur ongoing service fee is 1.65% per annum. That is currently capped at 600,000, and it's deducted in smaller monthly increments. So the idea is that as a percentage based fee, it fluctuates with the market. So when the market is doing really well, our fee is a little bit higher. However, when we see dips like we saw in March and April this year, it means that our fee takes a bit of a dip there with it as well.\n\nSo it is dependent on what's happening with your super to how much we make, and which is really important because we wanna make sure we're putting your needs above that of our own. That includes our fees. So it's good to see the 8% return, and that return is after fees. It's a net return, and that's after our ongoing service fee has been deducted as well. So it's really, really important that we kinda clarify those for you.\n\nIf you are happy with our services, wanna remain on board for a bit longer as a client, I'll get you to sign and return that one back there for me. Feel free to take some time to read those documents. And if you do find you have any questions in relation to any of them, you're welcome to let me know. Okay? Excellent.\n\nIs there anything else that you might want me to sort of research or just to sort of go through while I'm sending you an email so I could any other questions that you might might have popped up in the last few minutes? No. My pleasure, Jay. Look. Thank you so much for taking my call.\n\nI hope you have a lovely day. I hope you have a great weekend coming up. I know it's only Tuesday, but the weekend will be here before we know it. I love it, and I'll get a crack in that research there. If there's anything that comes up, you're welcome to let me know at any point.\n\nOkay? Thanks. My pleasure. Enjoy your day. Thank you for your time.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hey, Sam.","start":0.48,"end":1.22,"sentiment":"neutral","sentiment_score":0.07063917070627213},{"text":"I'm good.","start":3.52,"end":4.08,"sentiment":"positive","sentiment_score":0.39135780930519104},{"text":"How are you?","start":4.08,"end":4.98,"sentiment":"neutral","sentiment_score":0.2570779323577881},{"text":"Oh, perfect.","start":10.88,"end":11.7,"sentiment":"positive","sentiment_score":0.5903773009777069},{"text":"Awesome.","start":11.759999,"end":12.16,"sentiment":"positive","sentiment_score":0.6601184606552124}],"sentiment":"positive","sentiment_score":0.35361008197069166,"num_words":10,"start":0.48,"end":12.16},{"sentences":[{"text":"Thank you so much.","start":12.16,"end":12.799999,"sentiment":"positive","sentiment_score":0.6852325648069382},{"text":"Because we had the phone ring once.","start":12.799999,"end":14.08,"sentiment":"neutral","sentiment_score":0.11402832397392818},{"text":"I was like, I wonder if you picked it up.","start":14.08,"end":15.675,"sentiment":"neutral","sentiment_score":0.05301099680364132},{"text":"If not, I was gonna try and give her a callback.","start":15.675,"end":17.535,"sentiment":"neutral","sentiment_score":0.05856351385062391},{"text":"Easy done.","start":25.195,"end":26.255001,"sentiment":"positive","sentiment_score":0.3563892990350723}],"sentiment":"neutral","sentiment_score":0.159594580750255,"num_words":34,"start":12.16,"end":26.255001},{"sentences":[{"text":"Perfect.","start":26.395,"end":26.895,"sentiment":"positive","sentiment_score":0.3958816528320313},{"text":"How is she?","start":27.195,"end":27.915,"sentiment":"neutral","sentiment_score":0.21311882138252258},{"text":"She's all good.","start":27.915,"end":28.895,"sentiment":"positive","sentiment_score":0.33787129322687787},{"text":"Yes.","start":33.02,"end":33.260002,"sentiment":"neutral","sentiment_score":0.043179139494895935},{"text":"She does.","start":33.260002,"end":34.0,"sentiment":"neutral","sentiment_score":0.1591395065188408}],"sentiment":"neutral","sentiment_score":0.241031014919281,"num_words":10,"start":26.395,"end":34.0},{"sentences":[{"text":"Fantastic.","start":38.06,"end":38.56,"sentiment":"positive","sentiment_score":0.5437685251235962},{"text":"You can send her through whenever you're ready.","start":38.7,"end":40.54,"sentiment":"positive","sentiment_score":0.3341105207800865},{"text":"Beautiful.","start":40.54,"end":41.04,"sentiment":"positive","sentiment_score":0.3395870327949524},{"text":"Oh, hi, Jade.","start":45.415,"end":46.135002,"sentiment":"neutral","sentiment_score":0.10168297837177913},{"text":"This is how are you this afternoon?","start":46.135002,"end":47.595,"sentiment":"neutral","sentiment_score":0.13718757671969278}],"sentiment":"neutral","sentiment_score":0.24108008481562138,"num_words":20,"start":38.06,"end":47.595},{"sentences":[{"text":"I'm very well.","start":50.055,"end":51.095,"sentiment":"neutral","sentiment_score":0.2553357779979706},{"text":"Thank you.","start":51.095,"end":51.495003,"sentiment":"neutral","sentiment_score":0.2607291340827942},{"text":"Sorry about playing a bit of phone tag with you.","start":51.495003,"end":53.815002,"sentiment":"neutral","sentiment_score":-0.02572342362254858},{"text":"Thank you so much for calling us, but no.","start":53.815002,"end":55.575,"sentiment":"neutral","sentiment_score":0.04837419713536898},{"text":"You're fine.","start":55.575,"end":56.395,"sentiment":"neutral","sentiment_score":0.1449383981525898}],"sentiment":"neutral","sentiment_score":0.06751830524836595,"num_words":26,"start":50.055,"end":56.395},{"sentences":[{"text":"All good.","start":58.239998,"end":59.14,"sentiment":"neutral","sentiment_score":0.22574502229690552},{"text":"Jade, I had you booked in to go through a bit of an annual review there with you today.","start":59.28,"end":62.82,"sentiment":"neutral","sentiment_score":0.06416314075651922},{"text":"Before we jump into the call, just wanted to find out if there's anything specific that you're wanting to maybe have me touch base on or any, sorry, specific questions that you would like me to sort of tackle for you today?","start":63.04,"end":74.185005,"sentiment":"neutral","sentiment_score":0.04403025710156986},{"text":"Nope.","start":77.285,"end":77.605,"sentiment":"neutral","sentiment_score":-0.1068272590637207},{"text":"That's okay.","start":77.605,"end":78.085,"sentiment":"neutral","sentiment_score":-0.003885280340909958}],"sentiment":"neutral","sentiment_score":0.051594889355879844,"num_words":66,"start":58.239998,"end":78.085},{"sentences":[{"text":"Just a bit of an overview on how sleep has been going for you then.","start":78.085,"end":81.225006,"sentiment":"neutral","sentiment_score":0.05141508976618449},{"text":"Yes.","start":82.08501,"end":82.58501,"sentiment":"neutral","sentiment_score":0.061811383813619614},{"text":"Beautiful.","start":82.645004,"end":83.145004,"sentiment":"neutral","sentiment_score":0.2967073321342468},{"text":"All good.","start":83.365005,"end":84.105,"sentiment":"neutral","sentiment_score":0.24304859340190887},{"text":"So, Jade, I just wanna double check.","start":84.520004,"end":86.36,"sentiment":"neutral","sentiment_score":0.06860223625387464}],"sentiment":"neutral","sentiment_score":0.08061761165467593,"num_words":26,"start":78.085,"end":86.36},{"sentences":[{"text":"Do you have access to your email at the moment?","start":86.36,"end":88.54,"sentiment":"neutral","sentiment_score":0.027737872302532197},{"text":"Yeah.","start":90.28,"end":90.600006,"sentiment":"neutral","sentiment_score":0.1227901726961136},{"text":"Beautiful.","start":90.600006,"end":91.0,"sentiment":"neutral","sentiment_score":0.2489042729139328},{"text":"What I'm gonna do is I'm gonna send through an email to you.","start":91.0,"end":93.240005,"sentiment":"neutral","sentiment_score":0.09947722061322285},{"text":"It does just have your annual review documents attached there for you, so I'll press send on that one.","start":93.240005,"end":97.725,"sentiment":"neutral","sentiment_score":0.1299185239170727}],"sentiment":"neutral","sentiment_score":0.1002438407052647,"num_words":44,"start":86.36,"end":97.725},{"sentences":[{"text":"You are welcome to open them up and have a bit of a review of them.","start":98.365,"end":101.165,"sentiment":"positive","sentiment_score":0.38188612274825573},{"text":"I will also touch on some of those documents as we are going through the review there.","start":101.165,"end":105.345,"sentiment":"neutral","sentiment_score":0.17804900030879414},{"text":"But the most important ones are just giving you an update on your super performance and a bit of your super an insurance summary there for you as well.","start":105.645,"end":113.11,"sentiment":"neutral","sentiment_score":0.16890391501887092},{"text":"Okay.","start":113.17,"end":113.67,"sentiment":"neutral","sentiment_score":0.1381782740354538},{"text":"Fantastic.","start":115.01,"end":115.51,"sentiment":"positive","sentiment_score":0.4371449947357178}],"sentiment":"neutral","sentiment_score":0.2282898089615628,"num_words":64,"start":98.365,"end":115.51},{"sentences":[{"text":"How's your morning been so far?","start":115.73,"end":117.590004,"sentiment":"neutral","sentiment_score":0.2860693062345187},{"text":"Yeah?","start":120.450005,"end":120.950005,"sentiment":"neutral","sentiment_score":0.07180888950824738},{"text":"Yeah.","start":122.05,"end":122.37,"sentiment":"neutral","sentiment_score":0.12832069396972656},{"text":"Of course.","start":122.37,"end":123.03,"sentiment":"neutral","sentiment_score":0.18149644136428833},{"text":"All good.","start":123.89,"end":124.630005,"sentiment":"positive","sentiment_score":0.45682352781295776}],"sentiment":"neutral","sentiment_score":0.2660987799366315,"num_words":12,"start":115.73,"end":124.630005},{"sentences":[{"text":"Beautiful.","start":125.425,"end":125.925,"sentiment":"positive","sentiment_score":0.4700417220592499},{"text":"And how's everything sort of been since we last caught up last year?","start":125.985,"end":128.865,"sentiment":"neutral","sentiment_score":0.05687135572616871},{"text":"Has there been any major changes with work or with your circumstances?","start":128.865,"end":132.005,"sentiment":"neutral","sentiment_score":0.0008133986654380957},{"text":"Oh, fantastic.","start":141.12,"end":141.7,"sentiment":"neutral","sentiment_score":0.21064451336860657},{"text":"Just having a look at what I have here at the moment.","start":144.4,"end":146.73999,"sentiment":"neutral","sentiment_score":0.09578359965234995}],"sentiment":"neutral","sentiment_score":0.06974555882625282,"num_words":40,"start":125.425,"end":146.73999},{"sentences":[{"text":"So we had down here your main primary residence noted as being in Timberlane, and then we also had two investment properties, one in Estuary and the other one in Karratha.","start":147.12,"end":159.31499,"sentiment":"neutral","sentiment_score":0.045669722701272654},{"text":"Is there any additional to those that we would already have noted?","start":159.53499,"end":162.25499,"sentiment":"neutral","sentiment_score":-0.00002789551702638467},{"text":"Or Yeah.","start":162.25499,"end":163.635,"sentiment":"neutral","sentiment_score":-0.014197402633726597},{"text":"That's alright.","start":170.29,"end":171.54999,"sentiment":"neutral","sentiment_score":-0.06573216989636421},{"text":"Yeah.","start":171.81,"end":172.31,"sentiment":"neutral","sentiment_score":-0.04728058725595474}],"sentiment":"neutral","sentiment_score":0.02517264427539582,"num_words":48,"start":147.12,"end":172.31},{"sentences":[{"text":"Fantastic.","start":175.09,"end":175.59,"sentiment":"neutral","sentiment_score":0.1101856529712677},{"text":"No.","start":175.89,"end":176.04999,"sentiment":"neutral","sentiment_score":0.04082474485039711},{"text":"Well, that's fantastic.","start":176.04999,"end":177.03,"sentiment":"neutral","sentiment_score":0.20148167262474695},{"text":"Good to hear.","start":177.17,"end":178.06999,"sentiment":"neutral","sentiment_score":0.2793116768201192},{"text":"Is there any plans to purchase more properties down the track, or are you just sort of seeing how these ones go?","start":178.365,"end":183.085,"sentiment":"neutral","sentiment_score":0.05497611517255956}],"sentiment":"neutral","sentiment_score":0.0934288326650858,"num_words":30,"start":175.09,"end":183.085},{"sentences":[{"text":"Or Yeah.","start":183.085,"end":193.68,"sentiment":"neutral","sentiment_score":0.028283108957111835},{"text":"Oh, fantastic.","start":194.22,"end":195.04,"sentiment":"neutral","sentiment_score":0.15779969841241837},{"text":"That'd be a bit of a process building that one.","start":195.26,"end":197.76,"sentiment":"neutral","sentiment_score":0.1123809926211834},{"text":"Fantastic.","start":200.94,"end":201.44,"sentiment":"neutral","sentiment_score":0.25559478998184204},{"text":"The in laws will be moving in and living in the granny flat and helping out a little bit there for you?","start":201.5,"end":206.425,"sentiment":"neutral","sentiment_score":0.2310043593699282}],"sentiment":"neutral","sentiment_score":0.18469368208300424,"num_words":37,"start":183.085,"end":206.425},{"sentences":[{"text":"Yeah.","start":208.645,"end":209.125,"sentiment":"neutral","sentiment_score":0.17183780670166016},{"text":"Beautiful.","start":209.125,"end":209.625,"sentiment":"positive","sentiment_score":0.3866465985774994},{"text":"Excellent.","start":209.765,"end":210.265,"sentiment":"positive","sentiment_score":0.4365389049053192},{"text":"Good to see.","start":210.725,"end":211.625,"sentiment":"positive","sentiment_score":0.43510133028030396},{"text":"We had a note here that you were also had another medium term goal of looking to study or that you were studying.","start":211.925,"end":218.26001,"sentiment":"neutral","sentiment_score":0.15982451257498367}],"sentiment":"neutral","sentiment_score":0.2060790031120695,"num_words":29,"start":208.645,"end":218.26001},{"sentences":[{"text":"I'm so sorry.","start":218.26001,"end":218.78,"sentiment":"neutral","sentiment_score":-0.2882083108027776},{"text":"It just says study is a long term goal.","start":218.78,"end":220.84,"sentiment":"neutral","sentiment_score":-0.24640068908532461},{"text":"Are you currently taking on any additional studies, or is it something you're wanting to do down the track?","start":221.3,"end":225.8,"sentiment":"neutral","sentiment_score":-0.08066562994530327},{"text":"Yes.","start":231.315,"end":231.815,"sentiment":"neutral","sentiment_score":0.015239600092172624},{"text":"No.","start":231.875,"end":232.115,"sentiment":"neutral","sentiment_score":-0.016073595732450485}],"sentiment":"neutral","sentiment_score":-0.13987006359931195,"num_words":33,"start":218.26001,"end":232.115},{"sentences":[{"text":"That's okay.","start":232.115,"end":232.835,"sentiment":"neutral","sentiment_score":0.027093510143458843},{"text":"Not a problem at all.","start":232.835,"end":233.715,"sentiment":"neutral","sentiment_score":0.09251047223806382},{"text":"Is it more just a study on top of what you're currently doing for work, or is it, like, additional another area to study?","start":233.715,"end":240.455,"sentiment":"neutral","sentiment_score":0.0027426841746394834},{"text":"Building.","start":246.45,"end":246.85,"sentiment":"neutral","sentiment_score":0.01850607618689537},{"text":"Yeah.","start":246.85,"end":247.25,"sentiment":"neutral","sentiment_score":0.09242510795593262}],"sentiment":"neutral","sentiment_score":0.021014999570042797,"num_words":33,"start":232.115,"end":247.25},{"sentences":[{"text":"Beautiful.","start":247.25,"end":247.75,"sentiment":"positive","sentiment_score":0.4171517789363861},{"text":"Yes.","start":248.21,"end":248.71,"sentiment":"neutral","sentiment_score":0.10430211573839188},{"text":"Oh, beautiful.","start":253.745,"end":254.485,"sentiment":"positive","sentiment_score":0.5022675693035126},{"text":"Lovely.","start":254.785,"end":255.285,"sentiment":"positive","sentiment_score":0.6543667316436768},{"text":"Excellent.","start":255.505,"end":256.005,"sentiment":"positive","sentiment_score":0.5916674137115479}],"sentiment":"positive","sentiment_score":0.4620038631061713,"num_words":6,"start":247.25,"end":256.005},{"sentences":[{"text":"And I had your income last year.","start":256.865,"end":258.385,"sentiment":"neutral","sentiment_score":0.1744901623044695},{"text":"It's about 140,000.","start":258.385,"end":260.145,"sentiment":"neutral","sentiment_score":0.08306707193454106},{"text":"Is your income increased since we last sort of caught up?","start":260.145,"end":262.945,"sentiment":"neutral","sentiment_score":0.023594928736036472},{"text":"Or not the same.","start":262.945,"end":266.98,"sentiment":"neutral","sentiment_score":-0.008904090151190758},{"text":"Yep.","start":268.0,"end":268.32,"sentiment":"neutral","sentiment_score":0.026410330086946487}],"sentiment":"neutral","sentiment_score":0.06619117451974979,"num_words":26,"start":256.865,"end":268.32},{"sentences":[{"text":"No.","start":268.32,"end":268.56,"sentiment":"neutral","sentiment_score":0.0021544992923736572},{"text":"That's okay.","start":268.56,"end":269.38,"sentiment":"neutral","sentiment_score":0.07153578288853168},{"text":"All good.","start":269.44,"end":270.18,"sentiment":"neutral","sentiment_score":0.2848631292581558},{"text":"I will apologize in advance there, Jade.","start":270.32,"end":272.08,"sentiment":"neutral","sentiment_score":-0.027798866587025777},{"text":"It does look like your the annual review pack is coming through.","start":272.08,"end":275.04,"sentiment":"neutral","sentiment_score":-0.03237042731295029}],"sentiment":"neutral","sentiment_score":0.005496463738381863,"num_words":24,"start":268.32,"end":275.04},{"sentences":[{"text":"It's just not sending at the moment.","start":275.04,"end":276.56,"sentiment":"neutral","sentiment_score":-0.17749364780528204},{"text":"So after the call, if it's okay, I'll just have to go back in and see what the IT issue is and resend it out to you.","start":276.56,"end":281.525,"sentiment":"neutral","sentiment_score":-0.1277655487259229},{"text":"So I do apologize that it's probably not coming through with you at the moment.","start":281.525,"end":284.665,"sentiment":"neutral","sentiment_score":-0.04508968765536944},{"text":"Oh, you have?","start":285.20502,"end":286.105,"sentiment":"neutral","sentiment_score":-0.02222343534231186},{"text":"That's so bizarre.","start":286.805,"end":287.865,"sentiment":"neutral","sentiment_score":-0.24128099282582602}],"sentiment":"neutral","sentiment_score":-0.11198152635585178,"num_words":55,"start":275.04,"end":287.865},{"sentences":[{"text":"Says here that it's not sending.","start":288.085,"end":289.945,"sentiment":"neutral","sentiment_score":-0.15088779230912527},{"text":"Very strange.","start":290.405,"end":291.305,"sentiment":"neutral","sentiment_score":-0.25784488767385483},{"text":"That's probably it.","start":295.88,"end":296.84,"sentiment":"neutral","sentiment_score":-0.1499521185954412},{"text":"Yeah.","start":296.84,"end":297.08,"sentiment":"neutral","sentiment_score":-0.05664893239736557},{"text":"It just keeps telling me there's some fields missing, and it's not sending.","start":297.08,"end":301.56,"sentiment":"neutral","sentiment_score":-0.0971022486113585}],"sentiment":"neutral","sentiment_score":-0.12759404197335245,"num_words":25,"start":288.085,"end":301.56},{"sentences":[{"text":"So if it's come through to you, that is fantastic.","start":301.56,"end":303.66,"sentiment":"neutral","sentiment_score":0.215156003087759},{"text":"Thank you.","start":303.8,"end":304.28,"sentiment":"neutral","sentiment_score":0.2872697040438652},{"text":"Sorry about that.","start":304.28,"end":305.26,"sentiment":"neutral","sentiment_score":0.050674013793468475},{"text":"Love technology when it wants to work.","start":305.67502,"end":307.935,"sentiment":"neutral","sentiment_score":0.004056826899094241},{"text":"No.","start":309.035,"end":309.355,"sentiment":"neutral","sentiment_score":0.0036944877356290817}],"sentiment":"neutral","sentiment_score":0.1265310328858702,"num_words":23,"start":301.56,"end":309.355},{"sentences":[{"text":"You're absolutely fine.","start":309.355,"end":310.875,"sentiment":"neutral","sentiment_score":0.1581873595714569},{"text":"Beautiful.","start":310.875,"end":311.375,"sentiment":"neutral","sentiment_score":0.31919676065444946},{"text":"Yeah.","start":312.23502,"end":312.73502,"sentiment":"neutral","sentiment_score":0.12581627070903778},{"text":"All good.","start":314.635,"end":315.375,"sentiment":"neutral","sentiment_score":0.11243555508553982},{"text":"Yep.","start":317.515,"end":318.015,"sentiment":"neutral","sentiment_score":0.02180969715118408}],"sentiment":"neutral","sentiment_score":0.1457819896750152,"num_words":8,"start":309.355,"end":318.015},{"sentences":[{"text":"Yeah.","start":320.71,"end":321.11,"sentiment":"neutral","sentiment_score":0.024115893989801407},{"text":"So if you open the attachments there, you'll see one of those attachments is your superannuation and insurance summary there.","start":321.11,"end":327.35,"sentiment":"neutral","sentiment_score":0.0318027900531888},{"text":"So having a look back now, we did sort of catch up and do a review around about November last year there.","start":327.35,"end":332.95502,"sentiment":"neutral","sentiment_score":0.03607715124433691},{"text":"So I can see having a look here, your your balance and your review time last year was about a hundred and two thousand three hundred and fifty two and fifty cents there.","start":332.95502,"end":342.255,"sentiment":"neutral","sentiment_score":-0.02484290883170836},{"text":"So then having a look at your superannuation balance since then, it has definitely increased.","start":342.315,"end":347.12,"sentiment":"neutral","sentiment_score":0.28443346470594405}],"sentiment":"neutral","sentiment_score":0.053852252764524995,"num_words":91,"start":320.71,"end":347.12},{"sentences":[{"text":"So we got a 113,953 and 11¢.","start":347.12,"end":351.76,"sentiment":"neutral","sentiment_score":0.30118416249752045},{"text":"So it has definitely gone up, which is good.","start":351.76,"end":354.66,"sentiment":"positive","sentiment_score":0.5879810021983253},{"text":"I don't know if you sort of look at your super very often or hear about what's happening in the news call.","start":354.96,"end":360.02002,"sentiment":"neutral","sentiment_score":0.003949726794169031},{"text":"Yeah.","start":360.815,"end":361.315,"sentiment":"neutral","sentiment_score":0.04049191623926163},{"text":"Yeah.","start":364.815,"end":365.315,"sentiment":"neutral","sentiment_score":0.033475037664175034}],"sentiment":"neutral","sentiment_score":0.18614858815756938,"num_words":40,"start":347.12,"end":365.315},{"sentences":[{"text":"Yeah.","start":373.15,"end":373.65,"sentiment":"neutral","sentiment_score":0.02063683606684208},{"text":"Yep.","start":377.38998,"end":377.88998,"sentiment":"neutral","sentiment_score":-0.01983877271413803},{"text":"Yes.","start":385.965,"end":386.465,"sentiment":"neutral","sentiment_score":0.04360488057136536},{"text":"Yes.","start":387.645,"end":388.145,"sentiment":"neutral","sentiment_score":0.09008759260177612},{"text":"Yeah.","start":388.285,"end":388.785,"sentiment":"neutral","sentiment_score":0.2610386908054352}],"sentiment":"neutral","sentiment_score":0.07910584546625614,"num_words":5,"start":373.15,"end":388.785},{"sentences":[{"text":"Absolutely.","start":393.405,"end":393.905,"sentiment":"neutral","sentiment_score":0.2732263207435608},{"text":"And when I sort of have a look at the graph, I also also have a look at what's happening globally and look at benchmarks.","start":394.285,"end":400.3,"sentiment":"neutral","sentiment_score":0.08825017482042313},{"text":"And the benchmark I tend to look at is the all ordinaries, and that gives us an idea of what the the whole ASX as a whole does.","start":400.36,"end":406.84,"sentiment":"neutral","sentiment_score":0.07367178225623709},{"text":"And your super has very much gone up and down in line with what the all ordinaries or what the market has as a whole.","start":406.84,"end":413.16,"sentiment":"neutral","sentiment_score":-0.007963797599077225},{"text":"So there's nothing really that is flagging as really needs to be removed or altered because it is just following market reactions, which is good to know.","start":413.16,"end":421.355,"sentiment":"negative","sentiment_score":-0.3566696028466578}],"sentiment":"neutral","sentiment_score":-0.0498762605887539,"num_words":106,"start":393.405,"end":421.355},{"sentences":[{"text":"And it did it did take a very big drop around about sort of the April 7 is when we saw quite a large dip there, and there was another run around about August 2024.","start":421.815,"end":432.41,"sentiment":"neutral","sentiment_score":-0.1828121183173997},{"text":"So you sort of saw that dip in 2024.","start":432.41,"end":434.65,"sentiment":"neutral","sentiment_score":-0.058485218634208046},{"text":"It came back and recovered from that point onwards.","start":434.65,"end":436.99,"sentiment":"neutral","sentiment_score":-0.0823452878329489},{"text":"And then we saw another bit of a dip around March and then another bigger one at April 7, which is when the height of all that with The US and the Iran war was going on in the news.","start":437.21,"end":446.29498,"sentiment":"neutral","sentiment_score":-0.05360719719901681},{"text":"And then, yeah, it has definitely come back.","start":446.675,"end":448.675,"sentiment":"neutral","sentiment_score":0.08488246472552419}],"sentiment":"neutral","sentiment_score":-0.09040719672742456,"num_words":101,"start":421.815,"end":448.675},{"sentences":[{"text":"And from about, you know, from there, we have gone back to higher than we were originally.","start":448.675,"end":455.655,"sentiment":"neutral","sentiment_score":0.09308911859989166},{"text":"So it has it has definitely recovered out of that and has seen additional growth there.","start":456.03497,"end":461.59,"sentiment":"positive","sentiment_score":0.3389192735776305},{"text":"When I look at how your investments are performing individually, and you'll see one of those attachments is the performance with internal rate of return.","start":461.65,"end":469.03,"sentiment":"neutral","sentiment_score":0.05996848195791245},{"text":"And that sort of breaks down how your investments are performing individually.","start":470.38498,"end":474.00497,"sentiment":"neutral","sentiment_score":0.1241395113368829},{"text":"Now everything is doing really well.","start":474.065,"end":476.16498,"sentiment":"positive","sentiment_score":0.5548026512066523}],"sentiment":"neutral","sentiment_score":0.1753016511272443,"num_words":76,"start":448.675,"end":476.16498},{"sentences":[{"text":"You do have some s and p 500 for the top 500 companies in The US.","start":476.465,"end":480.705,"sentiment":"positive","sentiment_score":0.3511358182877302},{"text":"You've got some physical gold.","start":480.705,"end":482.145,"sentiment":"positive","sentiment_score":0.5127578616142273},{"text":"Both of those are performing nicely.","start":482.145,"end":483.925,"sentiment":"positive","sentiment_score":0.5344278216362},{"text":"We've had a 1618% return on those net growth.","start":484.08,"end":487.93997,"sentiment":"positive","sentiment_score":0.5231938030984666},{"text":"We've also got some cybersecurity.","start":488.31998,"end":489.86,"sentiment":"positive","sentiment_score":0.36113813519477844}],"sentiment":"positive","sentiment_score":0.43665766425249053,"num_words":41,"start":476.465,"end":489.86},{"sentences":[{"text":"You've also got some Australian equities in them, some agriculture, and also some infrastructure.","start":490.4,"end":496.41998,"sentiment":"neutral","sentiment_score":0.19557849849973405},{"text":"And then you've you've got your BANELON Australian equities portion in there.","start":496.8,"end":500.04498,"sentiment":"neutral","sentiment_score":0.08467658547063668},{"text":"Now Bandalong was originally put in there as a managed fund.","start":500.04498,"end":503.10498,"sentiment":"neutral","sentiment_score":0.008996046825566074},{"text":"All of your investments are performing very well, but you might have sort of noticed your Bandalong Australian equities is actually quite low.","start":503.725,"end":509.805,"sentiment":"neutral","sentiment_score":-0.04311944609102995},{"text":"It is showing an internal rate of return of down the 18.48%.","start":509.805,"end":514.8,"sentiment":"neutral","sentiment_score":-0.021762678399682045}],"sentiment":"neutral","sentiment_score":0.03611493220604542,"num_words":72,"start":490.4,"end":514.8},{"sentences":[{"text":"Essentially, ban along when it what is originally put in your portfolio was meant to be an actively managed fund.","start":515.58,"end":520.46,"sentiment":"neutral","sentiment_score":0.00509290206246078},{"text":"So the investment manager of that fund is meant to be actively managing it to try and outperform against the market.","start":520.46,"end":526.24,"sentiment":"neutral","sentiment_score":0.04430766155322393},{"text":"Realistically, some managed funds can outperform against the market.","start":527.185,"end":531.02496,"sentiment":"neutral","sentiment_score":0.03906265625523196},{"text":"Others don't do it.","start":531.02496,"end":531.985,"sentiment":"neutral","sentiment_score":-0.14666098356246948},{"text":"They don't all do it every year.","start":531.985,"end":533.585,"sentiment":"neutral","sentiment_score":-0.16614453281675065}],"sentiment":"neutral","sentiment_score":-0.005996275800051259,"num_words":61,"start":515.58,"end":533.585},{"sentences":[{"text":"It's not something they're all very good and consistent with doing.","start":533.585,"end":536.885,"sentiment":"neutral","sentiment_score":-0.09861905534159053},{"text":"But Benelon hasn't been able to outperform the market, and we are finding some of the underlying issues with Benelon are issues that are within the fund.","start":537.665,"end":545.7,"sentiment":"negative","sentiment_score":-0.3589599480231603},{"text":"So they're invested in funds that they can't get out of, that there's issues with their underlying investments.","start":545.92004,"end":550.82,"sentiment":"negative","sentiment_score":-0.3890990912914276},{"text":"So we actually don't see it as a good investment moving forward, and I wanted to kind of move all of our clients away from that.","start":550.96,"end":557.925,"sentiment":"negative","sentiment_score":-0.5493768487985318},{"text":"Just sort of having a look at because I'd love to definitely remove this from your portfolio and try to find something else there.","start":559.58496,"end":565.425,"sentiment":"neutral","sentiment_score":-0.12784082690874735}],"sentiment":"neutral","sentiment_score":-0.3314385826717008,"num_words":106,"start":533.585,"end":565.425},{"sentences":[{"text":"We do have a couple of different options to look at for the replacement of that investment.","start":565.425,"end":570.06,"sentiment":"neutral","sentiment_score":0.061121374039965516},{"text":"But did you wanna look at something a bit more actively managed like what you have here, or did you wanna sort of look at a more of a low cost investment to replace that along?","start":570.76,"end":579.08,"sentiment":"neutral","sentiment_score":0.028552899240619607},{"text":"What would your thoughts be around that?","start":579.08,"end":580.935,"sentiment":"neutral","sentiment_score":-0.013017695397138596},{"text":"Yeah.","start":591.815,"end":592.315,"sentiment":"neutral","sentiment_score":-0.04570244997739792},{"text":"That's okay.","start":599.67,"end":600.49,"sentiment":"neutral","sentiment_score":-0.17205484211444855}],"sentiment":"neutral","sentiment_score":0.025175106815165944,"num_words":63,"start":565.425,"end":600.49},{"sentences":[{"text":"Yeah.","start":602.07,"end":602.57,"sentiment":"neutral","sentiment_score":-0.021588198840618137},{"text":"Yeah.","start":603.11,"end":603.61,"sentiment":"neutral","sentiment_score":-0.01663830503821373},{"text":"Yeah.","start":605.92505,"end":606.42505,"sentiment":"neutral","sentiment_score":-0.05651728808879852},{"text":"Yes.","start":609.765,"end":610.265,"sentiment":"neutral","sentiment_score":-0.08885468542575836},{"text":"Yeah.","start":611.525,"end":612.025,"sentiment":"neutral","sentiment_score":0.07323001325130463}],"sentiment":"neutral","sentiment_score":-0.022073692828416824,"num_words":5,"start":602.07,"end":612.025},{"sentences":[{"text":"Yeah.","start":620.66,"end":620.82,"sentiment":"neutral","sentiment_score":0.1290624737739563},{"text":"Absolutely.","start":620.82,"end":621.32,"sentiment":"neutral","sentiment_score":0.31691503524780273},{"text":"Yeah.","start":624.42,"end":624.92,"sentiment":"neutral","sentiment_score":0.16463473439216614},{"text":"Absolutely.","start":625.22,"end":625.72,"sentiment":"neutral","sentiment_score":0.2020758092403412},{"text":"Yeah.","start":626.74,"end":627.24,"sentiment":"neutral","sentiment_score":0.19776961207389832}],"sentiment":"neutral","sentiment_score":0.20209153294563292,"num_words":5,"start":620.66,"end":627.24},{"sentences":[{"text":"Perfect.","start":628.33997,"end":628.83997,"sentiment":"neutral","sentiment_score":0.32713818550109863},{"text":"No.","start":629.315,"end":629.475,"sentiment":"neutral","sentiment_score":0.030758246779441833},{"text":"That's okay.","start":629.475,"end":630.21497,"sentiment":"neutral","sentiment_score":0.11057707294821739},{"text":"What I can definitely look at for you to make it a bit easier if you like is obviously the cost side of things.","start":630.355,"end":635.075,"sentiment":"neutral","sentiment_score":0.24468489301701388},{"text":"So we can look at how much you were paying for that manage fund and management fees and maybe look at something a bit more lower cost, which has provided a greater level of past return, but also maybe puts more diversification in there.","start":635.075,"end":647.74,"sentiment":"neutral","sentiment_score":0.1761665278199044}],"sentiment":"neutral","sentiment_score":0.19726132270362642,"num_words":72,"start":628.33997,"end":647.74},{"sentences":[{"text":"So one of the things I like to look at as an adviser is with Benelon, they hold anywhere between 15 to 20 different investment options depending on what they're invested in.","start":647.74,"end":657.135,"sentiment":"neutral","sentiment_score":0.0988954461645335},{"text":"Whereas there's other investments out there that might hold a lot more of Australian equities or more investments within their funds, which can give you a greater diversification and might actually be a bit more low cost.","start":657.295,"end":668.59503,"sentiment":"neutral","sentiment_score":0.10246270507372715},{"text":"Would you like me to sort of weigh up those options and see what sort of is preferable, how it looks, what puts you in a greater position down the track, and maybe make a recommendation on switching that investment out for you?","start":668.895,"end":680.05,"sentiment":"neutral","sentiment_score":0.15183314369168394},{"text":"Yeah?","start":681.87,"end":682.37,"sentiment":"neutral","sentiment_score":0.25951558351516724},{"text":"That's okay.","start":683.10504,"end":683.905,"sentiment":"neutral","sentiment_score":0.25199972093105316}],"sentiment":"neutral","sentiment_score":0.1238966484270666,"num_words":115,"start":647.74,"end":683.905},{"sentences":[{"text":"Not a problem at all.","start":683.905,"end":685.10504,"sentiment":"neutral","sentiment_score":0.19893700778484344},{"text":"It's always good to check.","start":685.10504,"end":686.22504,"sentiment":"neutral","sentiment_score":0.15700009167194368},{"text":"Not everyone sort of knows what they're after with investments, but it's always sort of good to check because some people have more of a preference than others.","start":686.22504,"end":692.945,"sentiment":"neutral","sentiment_score":0.07937818645898785},{"text":"So I do like to kinda gauge how everyone's feeling.","start":692.945,"end":695.42505,"sentiment":"neutral","sentiment_score":0.25708090215921403},{"text":"But I can have a look at all the different options for you, look at what's gonna work out better for you.","start":695.42505,"end":700.23,"sentiment":"neutral","sentiment_score":0.27437443150715396}],"sentiment":"neutral","sentiment_score":0.18013316046978747,"num_words":70,"start":683.905,"end":700.23},{"sentences":[{"text":"We do update the advice to reflect the changes, show you the cost, the outcomes, the projection side of things, so then you can decide whether you're happy to take that advice.","start":700.61,"end":709.32996,"sentiment":"neutral","sentiment_score":0.14307571947574615},{"text":"Does that sound okay?","start":709.32996,"end":710.47,"sentiment":"neutral","sentiment_score":0.1432456560432911},{"text":"That's okay.","start":712.875,"end":713.515,"sentiment":"neutral","sentiment_score":0.26311321556568146},{"text":"That's not a problem at all.","start":713.515,"end":715.195,"sentiment":"neutral","sentiment_score":0.23701944450537363},{"text":"We just sort of had a really good look, and I'd like to double check what's happening with your funds there.","start":715.195,"end":719.195,"sentiment":"neutral","sentiment_score":0.1615706327415648}],"sentiment":"neutral","sentiment_score":0.1614266466635924,"num_words":65,"start":700.61,"end":719.195},{"sentences":[{"text":"And I sort of noted when Bennelong hasn't been performing, we are best to try and remove that now rather than down the track.","start":719.195,"end":724.97504,"sentiment":"neutral","sentiment_score":-0.10528524421776335},{"text":"Essentially, while it has seen a little bit of a loss, we don't want that loss to compound further.","start":726.06,"end":730.38,"sentiment":"neutral","sentiment_score":-0.22691253494275243},{"text":"So we don't want you invested in anything that's been underperforming.","start":730.38,"end":733.12,"sentiment":"neutral","sentiment_score":-0.19439903578974985},{"text":"Fantastic.","start":733.89996,"end":734.39996,"sentiment":"positive","sentiment_score":0.38787785172462463},{"text":"Excellent.","start":735.89996,"end":736.39996,"sentiment":"positive","sentiment_score":0.41705596446990967}],"sentiment":"neutral","sentiment_score":-0.14592213576127375,"num_words":56,"start":719.195,"end":736.39996},{"sentences":[{"text":"Now the other thing to sort of have a look at is the way you are invested.","start":737.25995,"end":740.325,"sentiment":"neutral","sentiment_score":0.10583671335788335},{"text":"Now you are more of a growth sort of portfolio.","start":740.405,"end":742.66504,"sentiment":"neutral","sentiment_score":0.1366908647119999},{"text":"And when we have a look at your time horizon, that portfolio does generally suit your time horizon pretty well.","start":743.125,"end":749.145,"sentiment":"neutral","sentiment_score":0.17864316292107105},{"text":"What a growth portfolio tends to see is about 80% of your future invested in growth assets.","start":749.685,"end":754.805,"sentiment":"neutral","sentiment_score":0.17114796084077918},{"text":"So think of things like Australian shares, international shares, listed property, and also commodities like gold and silver.","start":754.805,"end":760.93,"sentiment":"neutral","sentiment_score":0.15385366562339994}],"sentiment":"neutral","sentiment_score":0.15143752863585222,"num_words":82,"start":737.25995,"end":760.93},{"sentences":[{"text":"And then the other 20% in lower risk investments, things like cash, bonds, and fixed interest.","start":761.55,"end":767.17,"sentiment":"neutral","sentiment_score":0.2045022239908576},{"text":"Having a look at where your at time horizon was, now you're still very young.","start":768.775,"end":772.855,"sentiment":"neutral","sentiment_score":0.19493026038010916},{"text":"You've got a lot of time ahead of you here.","start":772.855,"end":774.695,"sentiment":"neutral","sentiment_score":0.30534117221832274},{"text":"So date of birth is '83.","start":774.695,"end":776.715,"sentiment":"neutral","sentiment_score":0.09846655651926994},{"text":"Just sort of looking forward at your goal around the time and aspect, and I know you've got a lot of time ahead of you before you reach that.","start":778.055,"end":781.895,"sentiment":"positive","sentiment_score":0.4046173470801321}],"sentiment":"neutral","sentiment_score":0.2838697844233952,"num_words":76,"start":761.55,"end":781.895},{"sentences":[{"text":"But I But are you sort of hoping to be able to access super around about the age of 60 at the earliest possible, or are you sort of hoping or wanting to work a bit longer?","start":781.895,"end":795.22003,"sentiment":"neutral","sentiment_score":0.09610863110503635},{"text":"What's your long term retirement goal look like?","start":795.44,"end":798.075,"sentiment":"neutral","sentiment_score":0.08261121576651931},{"text":"Yeah.","start":808.555,"end":809.055,"sentiment":"neutral","sentiment_score":0.09471183270215988},{"text":"Okay.","start":812.57,"end":813.07,"sentiment":"neutral","sentiment_score":0.0958491712808609},{"text":"Yeah.","start":816.49005,"end":816.99005,"sentiment":"neutral","sentiment_score":0.022722497582435608}],"sentiment":"neutral","sentiment_score":0.09229567872049908,"num_words":48,"start":781.895,"end":816.99005},{"sentences":[{"text":"Yeah.","start":828.02496,"end":828.52496,"sentiment":"neutral","sentiment_score":0.10104973614215852},{"text":"Okay.","start":832.665,"end":833.165,"sentiment":"neutral","sentiment_score":0.05968567728996277},{"text":"Yeah.","start":844.68,"end":845.0,"sentiment":"neutral","sentiment_score":-0.0024726279079914093},{"text":"No.","start":845.0,"end":845.24,"sentiment":"neutral","sentiment_score":-0.0403616763651371},{"text":"That's perfect.","start":845.24,"end":846.06,"sentiment":"neutral","sentiment_score":0.20667503774166107}],"sentiment":"neutral","sentiment_score":0.08854186410705249,"num_words":6,"start":828.02496,"end":846.06},{"sentences":[{"text":"Yep.","start":847.115,"end":847.615,"sentiment":"neutral","sentiment_score":0.1090553030371666},{"text":"Yeah.","start":867.93,"end":868.43,"sentiment":"neutral","sentiment_score":0.07202675938606262},{"text":"Yes.","start":869.13,"end":869.63,"sentiment":"neutral","sentiment_score":0.1217980980873108},{"text":"Yep.","start":878.66504,"end":878.825,"sentiment":"neutral","sentiment_score":0.09185444563627244},{"text":"Right.","start":878.825,"end":879.325,"sentiment":"neutral","sentiment_score":0.11008364707231522}],"sentiment":"neutral","sentiment_score":0.10096365064382554,"num_words":5,"start":847.115,"end":879.325},{"sentences":[{"text":"Yep.","start":879.78503,"end":880.28503,"sentiment":"neutral","sentiment_score":0.12981478869915009},{"text":"That's okay.","start":881.465,"end":882.265,"sentiment":"neutral","sentiment_score":0.22351904213428497},{"text":"So with the Goldie investment properties, you've got two at the moment.","start":882.265,"end":885.405,"sentiment":"neutral","sentiment_score":0.10072018671780825},{"text":"You kinda mentioned that you weren't looking to buy any more in the short term at the moment, but is your goal to have more properties down the track to sort of supplement super as income in retirement, or what's your goal with those at the moment?","start":885.95996,"end":898.22,"sentiment":"neutral","sentiment_score":0.018591231706136083},{"text":"Yep.","start":901.215,"end":901.715,"sentiment":"neutral","sentiment_score":0.03159081190824509}],"sentiment":"neutral","sentiment_score":0.04271228278854063,"num_words":63,"start":879.78503,"end":901.715},{"sentences":[{"text":"Yep.","start":909.775,"end":910.255,"sentiment":"neutral","sentiment_score":0.0593661293387413},{"text":"No.","start":910.255,"end":910.495,"sentiment":"neutral","sentiment_score":0.06345383822917938},{"text":"That's okay.","start":910.495,"end":911.055,"sentiment":"neutral","sentiment_score":0.17182088643312454},{"text":"That's perfect.","start":911.055,"end":911.695,"sentiment":"positive","sentiment_score":0.6258953809738159},{"text":"It kinda gives me an idea of where we're tracking.","start":911.695,"end":913.695,"sentiment":"positive","sentiment_score":0.3685080766677856}],"sentiment":"positive","sentiment_score":0.33770832931622863,"num_words":16,"start":909.775,"end":913.695},{"sentences":[{"text":"So, I mean, realistically, the way I sort of see things at the moment is you're wanting to build your super as much as possible because your super is the one that's gonna be relied on down the track, but then supplementing that by maybe working longer and part time if you can or if you're comfortable doing that when you hit the the sixties, but also then long term, having that investment income coming from those properties to supplement what's coming out of your super to provide that longevity.","start":913.695,"end":938.78503,"sentiment":"neutral","sentiment_score":0.21007561195227836},{"text":"Am I on the right track with that?","start":938.925,"end":940.705,"sentiment":"neutral","sentiment_score":0.1189848268404603},{"text":"Yeah.","start":942.1,"end":942.6,"sentiment":"neutral","sentiment_score":0.14589357376098633},{"text":"Beautiful.","start":943.3,"end":943.8,"sentiment":"positive","sentiment_score":0.5234292149543762},{"text":"That's fantastic.","start":944.18,"end":945.0,"sentiment":"positive","sentiment_score":0.5992447435855865}],"sentiment":"neutral","sentiment_score":0.21300486241485558,"num_words":102,"start":913.695,"end":945.0},{"sentences":[{"text":"And do you know roughly so your husband doesn't work sorry.","start":945.22,"end":948.58,"sentiment":"neutral","sentiment_score":0.03469904703723097},{"text":"He's self employed.","start":948.58,"end":949.38,"sentiment":"neutral","sentiment_score":-0.008004962156216303},{"text":"I do apologize.","start":949.38,"end":950.2,"sentiment":"neutral","sentiment_score":-0.04178314531842867},{"text":"What does he do for work?","start":951.38,"end":952.83997,"sentiment":"neutral","sentiment_score":-0.00463552384947737},{"text":"Okay.","start":957.585,"end":958.085,"sentiment":"neutral","sentiment_score":0.027835771441459656}],"sentiment":"neutral","sentiment_score":0.00968115930542505,"num_words":24,"start":945.22,"end":958.085},{"sentences":[{"text":"Oh, fantastic.","start":964.22504,"end":965.125,"sentiment":"neutral","sentiment_score":0.26546309888362885},{"text":"Yep.","start":975.85,"end":976.35,"sentiment":"neutral","sentiment_score":0.05918901786208153},{"text":"Wow.","start":981.705,"end":981.785,"sentiment":"neutral","sentiment_score":0.12249103933572768},{"text":"Yeah.","start":981.785,"end":982.285,"sentiment":"neutral","sentiment_score":0.11288463324308395},{"text":"Wow.","start":985.865,"end":986.365,"sentiment":"neutral","sentiment_score":0.19374647736549375}],"sentiment":"neutral","sentiment_score":0.16987289426227412,"num_words":6,"start":964.22504,"end":986.365},{"sentences":[{"text":"That is fantastic.","start":991.8,"end":992.94,"sentiment":"positive","sentiment_score":0.548576275507609},{"text":"Wow.","start":993.72003,"end":994.22003,"sentiment":"neutral","sentiment_score":0.18068577349185944},{"text":"Awesome.","start":995.32,"end":995.82,"sentiment":"neutral","sentiment_score":0.3162650465965271},{"text":"And, I mean, coming into winter is sort of when everyone would wanna be getting that full renovated, get all the work done ready for, you know, summer coming back again.","start":996.04,"end":1004.52,"sentiment":"neutral","sentiment_score":0.15118777703854344},{"text":"So absolutely.","start":1004.52,"end":1005.915,"sentiment":"neutral","sentiment_score":0.20296559482812884}],"sentiment":"neutral","sentiment_score":0.19040610327532417,"num_words":38,"start":991.8,"end":1005.915},{"sentences":[{"text":"Perfect.","start":1007.015,"end":1007.515,"sentiment":"positive","sentiment_score":0.4873450994491577},{"text":"No.","start":1007.565,"end":1007.815,"sentiment":"neutral","sentiment_score":0.11393749713897704},{"text":"Excellent.","start":1007.815,"end":1008.315,"sentiment":"neutral","sentiment_score":0.24053344130516052},{"text":"Yep.","start":1012.375,"end":1012.875,"sentiment":"neutral","sentiment_score":0.04815536364912987},{"text":"Wow.","start":1021.11005,"end":1021.61005,"sentiment":"neutral","sentiment_score":0.07859649509191513}],"sentiment":"neutral","sentiment_score":0.19371357932686806,"num_words":5,"start":1007.015,"end":1021.61005},{"sentences":[{"text":"Yes.","start":1024.71,"end":1025.21,"sentiment":"neutral","sentiment_score":0.002300995402038098},{"text":"Yeah.","start":1029.685,"end":1030.185,"sentiment":"neutral","sentiment_score":0.01815221458673477},{"text":"Wow.","start":1031.2451,"end":1031.7451,"sentiment":"neutral","sentiment_score":0.1524251401424408},{"text":"Perfect time.","start":1032.805,"end":1033.785,"sentiment":"neutral","sentiment_score":0.2339571863412857},{"text":"Yeah.","start":1035.2051,"end":1035.525,"sentiment":"neutral","sentiment_score":0.043844252824783325}],"sentiment":"neutral","sentiment_score":0.11410616260642807,"num_words":6,"start":1024.71,"end":1035.525},{"sentences":[{"text":"Wow.","start":1035.525,"end":1036.025,"sentiment":"neutral","sentiment_score":0.09475359320640564},{"text":"Yeah.","start":1038.5651,"end":1039.0651,"sentiment":"neutral","sentiment_score":0.039922259747982025},{"text":"Yes.","start":1041.78,"end":1042.28,"sentiment":"neutral","sentiment_score":0.04623003304004669},{"text":"Yeah.","start":1048.8201,"end":1049.06,"sentiment":"neutral","sentiment_score":0.07635781168937683},{"text":"Wow.","start":1049.06,"end":1049.56,"sentiment":"neutral","sentiment_score":0.2383548617362976}],"sentiment":"neutral","sentiment_score":0.09912371188402176,"num_words":5,"start":1035.525,"end":1049.56},{"sentences":[{"text":"That's incredible.","start":1049.8601,"end":1050.74,"sentiment":"positive","sentiment_score":0.467774361371994},{"text":"And is it sort of gone for long periods of time, like a week or two at a time, or is it more just a few days here and there each week?","start":1050.74,"end":1057.095,"sentiment":"neutral","sentiment_score":-0.007611478591570631},{"text":"Yeah.","start":1061.655,"end":1061.895,"sentiment":"neutral","sentiment_score":0.01517694815993309},{"text":"Wow.","start":1061.895,"end":1062.395,"sentiment":"neutral","sentiment_score":0.044226668775081635},{"text":"Yeah.","start":1064.5349,"end":1065.0349,"sentiment":"neutral","sentiment_score":0.05053737014532089}],"sentiment":"neutral","sentiment_score":0.021673578240380093,"num_words":37,"start":1049.8601,"end":1065.0349},{"sentences":[{"text":"Wow.","start":1067.895,"end":1068.395,"sentiment":"neutral","sentiment_score":0.14451444149017334},{"text":"I mean, that's a pretty amazing skill set.","start":1069.27,"end":1071.27,"sentiment":"neutral","sentiment_score":0.22689094208180904},{"text":"I definitely can't free dive, and I think anyone who can hold their breath for that long is pretty amazing.","start":1071.27,"end":1076.01,"sentiment":"neutral","sentiment_score":0.06810895092785359},{"text":"Oh, wow.","start":1077.83,"end":1078.65,"sentiment":"neutral","sentiment_score":0.1058550626039505},{"text":"Oh, fantastic.","start":1079.67,"end":1080.57,"sentiment":"positive","sentiment_score":0.44257327914237976}],"sentiment":"neutral","sentiment_score":0.13389932364225388,"num_words":33,"start":1067.895,"end":1080.57},{"sentences":[{"text":"Excellent.","start":1080.95,"end":1081.35,"sentiment":"positive","sentiment_score":0.4301076829433441},{"text":"Well, I do love that.","start":1081.35,"end":1082.3099,"sentiment":"positive","sentiment_score":0.4280154943466187},{"text":"So what I will sort of look at for the advice is just maybe splitting out that so removing the ban along and replacing it with something else.","start":1082.3099,"end":1089.465,"sentiment":"neutral","sentiment_score":0.03900358313694596},{"text":"So look at the cost side of things.","start":1089.465,"end":1091.005,"sentiment":"neutral","sentiment_score":-0.002337926533073187},{"text":"One of the things I do wanna look at is the CDT consequences.","start":1091.465,"end":1094.365,"sentiment":"neutral","sentiment_score":0.007983085627739247}],"sentiment":"neutral","sentiment_score":0.06813385788012635,"num_words":55,"start":1080.95,"end":1094.365},{"sentences":[{"text":"So what your super fund, just like you do, does a tax return every year.","start":1094.665,"end":1098.48,"sentiment":"neutral","sentiment_score":0.008178758124510447},{"text":"So when we do rebalance the portfolio or replace investments, your super fund does have to pay capital gains tax.","start":1098.72,"end":1105.6,"sentiment":"neutral","sentiment_score":-0.012114893924444915},{"text":"So I will take that into account as part of the advice there for you.","start":1105.6,"end":1109.0599,"sentiment":"neutral","sentiment_score":0.07805726354320844},{"text":"Depending on what we're rebalancing and how Benelong has has sort of performed, we might even be able to offset any CGT consequences inside super and really isn't to your advantage there.","start":1109.52,"end":1120.6951,"sentiment":"neutral","sentiment_score":-0.01951483474113047},{"text":"So that'll be a good thing to look at.","start":1120.6951,"end":1122.635,"sentiment":"positive","sentiment_score":0.3831611644062731}],"sentiment":"neutral","sentiment_score":0.04258481554359525,"num_words":91,"start":1094.665,"end":1122.635},{"sentences":[{"text":"I know when you came on board, the last few advice documents you probably received would have sort of sorta shown you right up until retirement.","start":1123.0951,"end":1129.72,"sentiment":"neutral","sentiment_score":0.060084748010222726},{"text":"Because you are still so young, because there are a lot of things occurring and altering and changing in your life, this advice document will only project out the next five to ten years due to the amount of things that can definitely change.","start":1130.5,"end":1141.96,"sentiment":"neutral","sentiment_score":0.032318848269906914},{"text":"And then we'll just keep building on that for you to try and get as much into super as we possibly can and build that up to give you the, you know, the most the most out of your retirement years when you get to that point.","start":1142.515,"end":1152.995,"sentiment":"neutral","sentiment_score":0.2834548918490714},{"text":"How does that sound?","start":1152.995,"end":1153.975,"sentiment":"neutral","sentiment_score":0.14718494936823845},{"text":"Fantastic.","start":1155.09,"end":1155.59,"sentiment":"positive","sentiment_score":0.7591792345046997}],"sentiment":"neutral","sentiment_score":0.14470927640185005,"num_words":122,"start":1123.0951,"end":1155.59},{"sentences":[{"text":"Fantastic.","start":1156.37,"end":1156.87,"sentiment":"positive","sentiment_score":0.6480330228805542},{"text":"Now a few other questions here just to kinda gauge whether you're in the right portfolio or not.","start":1157.65,"end":1162.23,"sentiment":"neutral","sentiment_score":0.06570674106478691},{"text":"If you sort of have you ever looked at your super and found that it had fallen, Addison?","start":1162.85,"end":1167.01,"sentiment":"neutral","sentiment_score":-0.04147038060343928},{"text":"I know we've all sort of bought the saw it fall fall, sorry.","start":1167.01,"end":1170.365,"sentiment":"neutral","sentiment_score":-0.07008864673284385},{"text":"I do apologize.","start":1170.365,"end":1171.165,"sentiment":"neutral","sentiment_score":-0.104633629322052}],"sentiment":"neutral","sentiment_score":-0.0026559581944964974,"num_words":53,"start":1156.37,"end":1171.165},{"sentences":[{"text":"In March, April this year with what was happening.","start":1171.165,"end":1173.4249,"sentiment":"neutral","sentiment_score":-0.05540265432662434},{"text":"But have you ever seen it fall very heavily, like, around about 10 or 20% in past?","start":1174.0449,"end":1178.865,"sentiment":"neutral","sentiment_score":-0.06491175052874229},{"text":"No.","start":1181.66,"end":1181.9,"sentiment":"neutral","sentiment_score":-0.1409822255373001},{"text":"That's okay.","start":1181.9,"end":1182.8,"sentiment":"neutral","sentiment_score":-0.09733787924051285},{"text":"If you did happen to see your super four pretty heavily, the fact that you can't access it now, you've got quite a bit of time ahead of you.","start":1183.02,"end":1190.46,"sentiment":"neutral","sentiment_score":-0.13390282926888303}],"sentiment":"neutral","sentiment_score":-0.10036144277145123,"num_words":58,"start":1171.165,"end":1190.46},{"sentences":[{"text":"Do you think seeing dips like that in your would concern or are you sort of not overly concerned because you can't access soup and now you've got a bit of time ahead of you?","start":1190.46,"end":1199.375,"sentiment":"neutral","sentiment_score":-0.11716182412845748},{"text":"How do you think you might be feeling?","start":1199.375,"end":1200.995,"sentiment":"neutral","sentiment_score":-0.016797585878521204},{"text":"Yeah.","start":1208.1901,"end":1208.6901,"sentiment":"neutral","sentiment_score":0.15340420603752136},{"text":"Yeah.","start":1221.4049,"end":1221.9049,"sentiment":"neutral","sentiment_score":0.08435475826263428},{"text":"Yep.","start":1225.885,"end":1226.385,"sentiment":"neutral","sentiment_score":0.10924088954925536}],"sentiment":"neutral","sentiment_score":-0.08452271038423413,"num_words":46,"start":1190.46,"end":1226.385},{"sentences":[{"text":"Yeah.","start":1230.5399,"end":1230.94,"sentiment":"neutral","sentiment_score":0.04361353814601898},{"text":"Yeah.","start":1230.94,"end":1231.44,"sentiment":"neutral","sentiment_score":0.044803082942962646},{"text":"Yep.","start":1235.4199,"end":1235.9199,"sentiment":"neutral","sentiment_score":-0.02765803039073944},{"text":"Absolutely.","start":1238.46,"end":1238.96,"sentiment":"neutral","sentiment_score":-0.0407974049448967},{"text":"Yeah.","start":1241.1799,"end":1241.6799,"sentiment":"neutral","sentiment_score":0.067317895591259}],"sentiment":"neutral","sentiment_score":0.0174558162689209,"num_words":5,"start":1230.5399,"end":1241.6799},{"sentences":[{"text":"Yep.","start":1249.905,"end":1250.3049,"sentiment":"neutral","sentiment_score":0.07565372437238693},{"text":"Yep.","start":1250.3049,"end":1250.8049,"sentiment":"neutral","sentiment_score":0.14482851326465607},{"text":"Perf perfect.","start":1251.265,"end":1253.365,"sentiment":"positive","sentiment_score":0.34101857990026474},{"text":"All good.","start":1253.745,"end":1254.485,"sentiment":"positive","sentiment_score":0.576774001121521},{"text":"And do you feel like you'd be comfortable now taking on more risk in the market to try and obtain those greater potential returns, or do you feel like you'd be feeling a bit more conservative because of the ups and downs the market has been seeing?","start":1254.62,"end":1266.86,"sentiment":"neutral","sentiment_score":0.05578269088204871}],"sentiment":"neutral","sentiment_score":0.08826139379503592,"num_words":53,"start":1249.905,"end":1266.86},{"sentences":[{"text":"How do you think you might sort of fit in there?","start":1266.86,"end":1269.04,"sentiment":"neutral","sentiment_score":0.029126797210086475},{"text":"Yep.","start":1273.925,"end":1274.425,"sentiment":"neutral","sentiment_score":0.07860584557056427},{"text":"Yep.","start":1276.7251,"end":1277.2251,"sentiment":"neutral","sentiment_score":0.011537137441337109},{"text":"Yeah.","start":1280.3251,"end":1280.8251,"sentiment":"neutral","sentiment_score":0.021018704399466515},{"text":"Yeah.","start":1283.54,"end":1284.04,"sentiment":"neutral","sentiment_score":0.06101159006357193}],"sentiment":"neutral","sentiment_score":0.03283786978572607,"num_words":15,"start":1266.86,"end":1284.04},{"sentences":[{"text":"Absolutely.","start":1284.18,"end":1284.68,"sentiment":"neutral","sentiment_score":0.07231399416923523},{"text":"Well, with the growth sort of area and the growth portfolio that you're in, when you sort of assess risk out of, say, a number between one and five, you're kind of in that sort of three to 4%.","start":1284.8201,"end":1294.375,"sentiment":"neutral","sentiment_score":0.02097194379147811},{"text":"So you're not really in the highest risk category.","start":1294.375,"end":1296.855,"sentiment":"neutral","sentiment_score":-0.08203435316681862},{"text":"You're not putting all of your investments in those high growth kind of assets, but you're also not very conservative on the lower end.","start":1296.855,"end":1303.4149,"sentiment":"neutral","sentiment_score":-0.0363368249963969},{"text":"You're kind of in the middle there.","start":1303.4149,"end":1304.855,"sentiment":"neutral","sentiment_score":-0.011478554457426071}],"sentiment":"neutral","sentiment_score":-0.010006538219749927,"num_words":80,"start":1284.18,"end":1304.855},{"sentences":[{"text":"So with that eighty twenty split yeah.","start":1304.855,"end":1306.955,"sentiment":"neutral","sentiment_score":0.009437978134623595},{"text":"And, realistically, this sort of portfolio does sort of sit with your time horizon.","start":1307.1799,"end":1311.9199,"sentiment":"neutral","sentiment_score":0.07717548443802766},{"text":"It generally suits someone who has about six years before they're wanting to access their super.","start":1312.46,"end":1316.88,"sentiment":"neutral","sentiment_score":0.07871406525373459},{"text":"As I mentioned, you have the eighty twenty kind of split between gross defensive assets.","start":1317.26,"end":1321.5,"sentiment":"neutral","sentiment_score":0.03292217589914799},{"text":"And the average return we're looking to try and achieve over the longer term from this one is about seven to 9% on a yearly basis.","start":1321.5,"end":1328.685,"sentiment":"neutral","sentiment_score":0.11706209755860843}],"sentiment":"neutral","sentiment_score":0.07619736984801981,"num_words":78,"start":1304.855,"end":1328.685},{"sentences":[{"text":"So looking at how your super this year has performed, net of fees, you've actually performed and returned 8.28 percent.","start":1328.745,"end":1336.765,"sentiment":"neutral","sentiment_score":0.27646371014416216},{"text":"So it is definitely in that range.","start":1337.2001,"end":1339.04,"sentiment":"positive","sentiment_score":0.42844568831580027},{"text":"You're kind of on track with what what we're kind of aiming for with this portfolio.","start":1339.04,"end":1343.06,"sentiment":"positive","sentiment_score":0.39555894397199154},{"text":"And to come out even with what's been happening this year and with Ben along, having a bit of a downtime and not performing the way we wanted to to come up with an 8% return net of fees.","start":1343.6001,"end":1353.565,"sentiment":"neutral","sentiment_score":0.12387795989903119},{"text":"There's still a good positive result.","start":1353.565,"end":1355.245,"sentiment":"positive","sentiment_score":0.5475384096304575}],"sentiment":"neutral","sentiment_score":0.2610660002101213,"num_words":88,"start":1328.745,"end":1355.245},{"sentences":[{"text":"So very happy with that for the year.","start":1355.245,"end":1357.1649,"sentiment":"positive","sentiment_score":0.7572223469614983},{"text":"Yeah.","start":1357.1649,"end":1357.6649,"sentiment":"neutral","sentiment_score":0.23370707035064697},{"text":"Fantastic.","start":1358.9249,"end":1359.4249,"sentiment":"positive","sentiment_score":0.5956764221191406},{"text":"So I definitely wanna keep you in that growth kind of environment a bit longer.","start":1359.565,"end":1362.7649,"sentiment":"neutral","sentiment_score":0.3062595516443253},{"text":"If you ever find the day that you are a bit nervous about what's happening or just had some questions around the investments or anything that you are hearing, please do give us a call.","start":1362.7649,"end":1371.1799,"sentiment":"neutral","sentiment_score":0.05856325076227742}],"sentiment":"neutral","sentiment_score":0.2255128219917727,"num_words":60,"start":1355.245,"end":1371.1799},{"sentences":[{"text":"We are here to help you along and definitely provide information and guide you through those times.","start":1371.1799,"end":1375.82,"sentiment":"neutral","sentiment_score":0.29948556335533366},{"text":"But I'm very positive and very happy with how your super performed for the year.","start":1375.82,"end":1379.955,"sentiment":"positive","sentiment_score":0.7102358043193817},{"text":"So we'll, you know, try to keep it on track, and I'll just make some alterations of those investments, and I'll come back with an advice document that shows you what I'm outlining recommendation wise.","start":1379.955,"end":1389.4149,"sentiment":"neutral","sentiment_score":0.17896733411720822},{"text":"Okay?","start":1389.475,"end":1389.975,"sentiment":"neutral","sentiment_score":0.10904359817504884},{"text":"Beautiful.","start":1391.635,"end":1392.135,"sentiment":"positive","sentiment_score":0.5098555684089661}],"sentiment":"neutral","sentiment_score":0.32793547105098114,"num_words":69,"start":1371.1799,"end":1392.135},{"sentences":[{"text":"Now the other thing is you do also have insurances inside your super fund there as well, paid out of super at the moment.","start":1393.1699,"end":1398.85,"sentiment":"neutral","sentiment_score":0.057501633651554585},{"text":"So you've got your life and TBD with ClearView.","start":1398.85,"end":1402.07,"sentiment":"neutral","sentiment_score":0.05122478989263376},{"text":"The current sum insured for those is about 861,842.","start":1402.9299,"end":1409.295,"sentiment":"neutral","sentiment_score":0.021860183113151126},{"text":"In the event of a life event, so if you were to pass away prematurely, your super is paid out as well as your life cover.","start":1409.835,"end":1416.795,"sentiment":"neutral","sentiment_score":0.008903805238123123},{"text":"So, realistically, you've got that extra $113,009.53 on top of the $8.61.","start":1416.795,"end":1422.8151,"sentiment":"neutral","sentiment_score":0.07735649310052395}],"sentiment":"neutral","sentiment_score":0.03996976022608578,"num_words":80,"start":1393.1699,"end":1422.8151},{"sentences":[{"text":"When we sort of have a look at your assets there, having a look.","start":1422.95,"end":1427.75,"sentiment":"neutral","sentiment_score":0.040807736571878195},{"text":"So with the loans, just to confirm, and let me know if there's any changes here, but your main primary residence there, I have it down here that you're owing about 540,000.","start":1427.75,"end":1437.325,"sentiment":"neutral","sentiment_score":0.013238269537396263},{"text":"Is that fairly accurate, or would that change?","start":1437.325,"end":1439.985,"sentiment":"neutral","sentiment_score":0.0005185208283364773},{"text":"That's okay.","start":1442.525,"end":1443.345,"sentiment":"neutral","sentiment_score":0.08584040030837059},{"text":"Yep.","start":1448.3,"end":1448.8,"sentiment":"neutral","sentiment_score":0.03678935021162033}],"sentiment":"neutral","sentiment_score":0.021185109730842606,"num_words":57,"start":1422.95,"end":1448.8},{"sentences":[{"text":"I had a loan of 540,000.","start":1452.3,"end":1455.12,"sentiment":"neutral","sentiment_score":-0.010616046221305927},{"text":"That's Timberlane.","start":1460.3,"end":1461.44,"sentiment":"neutral","sentiment_score":0.0005623858305625618},{"text":"Oh, fantastic.","start":1468.485,"end":1469.465,"sentiment":"positive","sentiment_score":0.6157702207565308},{"text":"That's a really good joke.","start":1469.605,"end":1470.8049,"sentiment":"positive","sentiment_score":0.6268285274505615},{"text":"Excellent.","start":1470.8049,"end":1471.3049,"sentiment":"positive","sentiment_score":0.5136573314666748}],"sentiment":"neutral","sentiment_score":0.3010480565353646,"num_words":16,"start":1452.3,"end":1471.3049},{"sentences":[{"text":"Alright.","start":1475.94,"end":1476.44,"sentiment":"neutral","sentiment_score":0.0439494326710701},{"text":"I've also got the investment property for Estuary, and that one there had a loan of 560,000.","start":1478.42,"end":1485.16,"sentiment":"neutral","sentiment_score":0.034060073468615025},{"text":"Yep.","start":1493.475,"end":1493.975,"sentiment":"neutral","sentiment_score":-0.001946207135915756},{"text":"Absolutely.","start":1496.515,"end":1497.015,"sentiment":"neutral","sentiment_score":0.1276346743106842},{"text":"$6.60.","start":1501.41,"end":1502.2101,"sentiment":"neutral","sentiment_score":0.08396837115287781}],"sentiment":"neutral","sentiment_score":0.03964892952215104,"num_words":21,"start":1475.94,"end":1502.2101},{"sentences":[{"text":"Beautiful.","start":1502.2101,"end":1502.7101,"sentiment":"positive","sentiment_score":0.4201813936233521},{"text":"And then the other one I had here is a Carasa, and it was $518,005.30.","start":1502.85,"end":1514.7451,"sentiment":"neutral","sentiment_score":0.060098894561330475},{"text":"Then heck.","start":1514.7451,"end":1516.485,"sentiment":"neutral","sentiment_score":0.07827031053602695},{"text":"Excellent.","start":1516.7051,"end":1517.2051,"sentiment":"neutral","sentiment_score":0.2549927532672882},{"text":"So looking at the way and what you wanted your life cover to pay out, so with your goal with your life insurance, if you were to pass away prematurely, are you wanting to just have your main primary residence covered and then, you know, allow your partner to sell the investment properties or keep them depending on what he chooses, or are you kinda wanting to cover all the loans?","start":1517.505,"end":1536.7201,"sentiment":"neutral","sentiment_score":0.008569055236876011}],"sentiment":"neutral","sentiment_score":0.026017790091120534,"num_words":90,"start":1502.2101,"end":1536.7201},{"sentences":[{"text":"What would your goal be with?","start":1536.7201,"end":1538.26,"sentiment":"neutral","sentiment_score":-0.014407909164826075},{"text":"No.","start":1540.415,"end":1540.915,"sentiment":"neutral","sentiment_score":-0.10744105279445648},{"text":"Yep.","start":1541.855,"end":1542.355,"sentiment":"neutral","sentiment_score":0.015256568789482117},{"text":"That's okay.","start":1542.655,"end":1543.375,"sentiment":"neutral","sentiment_score":0.000463215634226799},{"text":"So with the current cover you have at the moment, that would obviously pay off the main primary residence there to cover the 400,000 owing.","start":1543.375,"end":1550.675,"sentiment":"neutral","sentiment_score":0.0202144805714488}],"sentiment":"neutral","sentiment_score":0.009361614473164082,"num_words":35,"start":1536.7201,"end":1550.675},{"sentences":[{"text":"And then, you know, you would have that extra buffer which he could either put on the loans or use to take some time off to allow, you know, bereavement, work out what he wants to do, you know, get whether he wants to, you know, not work for a couple of years, take care of the kids, consider, you know, childcare aspects.","start":1551.21,"end":1567.885,"sentiment":"neutral","sentiment_score":0.018664808766472907},{"text":"So are you fairly comfortable with the life sorry, life cover that you have at the moment?","start":1567.885,"end":1572.045,"sentiment":"neutral","sentiment_score":0.019455204443896517},{"text":"Yep.","start":1572.045,"end":1572.545,"sentiment":"neutral","sentiment_score":0.11824935674667358},{"text":"Beautiful.","start":1573.485,"end":1573.985,"sentiment":"positive","sentiment_score":0.6132553815841675},{"text":"Beautiful.","start":1575.3251,"end":1575.69,"sentiment":"positive","sentiment_score":0.5117883682250977}],"sentiment":"neutral","sentiment_score":0.03313150041433702,"num_words":83,"start":1551.21,"end":1575.69},{"sentences":[{"text":"Now with TBD, total permanent disability is paid out in the event that you're never able to go back to work again.","start":1575.85,"end":1581.7699,"sentiment":"neutral","sentiment_score":0.10699590092355554},{"text":"So with TBD, I just like to clarify because not everyone is aware.","start":1581.7699,"end":1585.85,"sentiment":"neutral","sentiment_score":0.0033597837273891154},{"text":"Unfortunately, it is also a taxable payment.","start":1585.85,"end":1588.0099,"sentiment":"neutral","sentiment_score":-0.07609784603118896},{"text":"So if you were to claim TBD, you can pay tax of up to 22% depending on how you take the funds.","start":1588.0099,"end":1595.885,"sentiment":"neutral","sentiment_score":-0.0033727758140726523},{"text":"We, as advisers, if you ever had to claim TBD, would help you to claim it, but then we would also provide advice on how best to structure those payments so that you could limit the amount of tax that you would have to pay.","start":1596.025,"end":1608.0399,"sentiment":"neutral","sentiment_score":0.04519199656529559}],"sentiment":"neutral","sentiment_score":0.035085696000776705,"num_words":109,"start":1575.85,"end":1608.0399},{"sentences":[{"text":"Yeah.","start":1608.1799,"end":1608.6799,"sentiment":"neutral","sentiment_score":0.0296090729534626},{"text":"But you do have the same amount of TBD as you do, like, $861,008.40 2, which realistically would pay off the main primary residence there, Could also then be used to pay down some of the additional debts, you know, on the other properties if you wanted to, or the additional could be drawn down as income to sort of support, you know, support you for a bit longer, allow for, you know, changes to vehicles or modifications to the home or, you know, recreational recovery, whatever was sort of needed there.","start":1609.22,"end":1639.2999,"sentiment":"neutral","sentiment_score":0.054891040832128216},{"text":"But do you are you comfortable with the level of cover you have with CBD?","start":1639.2999,"end":1642.76,"sentiment":"neutral","sentiment_score":0.0033804746965567273},{"text":"Did you wanna kinda review that at all?","start":1642.82,"end":1645.0,"sentiment":"neutral","sentiment_score":-0.006228225654922426},{"text":"That's okay.","start":1647.255,"end":1648.155,"sentiment":"neutral","sentiment_score":0.2647097036242485}],"sentiment":"neutral","sentiment_score":0.04754140298276887,"num_words":118,"start":1608.1799,"end":1648.155},{"sentences":[{"text":"Beautiful.","start":1648.215,"end":1648.715,"sentiment":"positive","sentiment_score":0.4417632222175598},{"text":"And then with the income protection benefit there as well and I do apologize.","start":1649.1749,"end":1652.7949,"sentiment":"neutral","sentiment_score":0.058197627908417156},{"text":"My computer had a little bit of a moment.","start":1652.855,"end":1654.5349,"sentiment":"neutral","sentiment_score":-0.009199552755388949},{"text":"I had your income as a 140,000.","start":1654.5349,"end":1656.695,"sentiment":"neutral","sentiment_score":-0.0032685688098094295},{"text":"Did you tell me before that you wanted to increase or alter, or is that still the same?","start":1656.695,"end":1660.215,"sentiment":"neutral","sentiment_score":-0.019056735353337392}],"sentiment":"neutral","sentiment_score":0.016486384083840008,"num_words":49,"start":1648.215,"end":1660.215},{"sentences":[{"text":"I'm so sorry.","start":1660.215,"end":1661.0349,"sentiment":"neutral","sentiment_score":-0.18976764877637228},{"text":"That right.","start":1663.3099,"end":1663.95,"sentiment":"neutral","sentiment_score":0.033585552126169205},{"text":"Yes.","start":1663.95,"end":1664.4299,"sentiment":"neutral","sentiment_score":0.11236985772848128},{"text":"Beautiful.","start":1664.4299,"end":1664.9299,"sentiment":"positive","sentiment_score":0.5505377054214478},{"text":"So having a look at that at the moment, with income protection, you can be covered for up to 70% of your income in the event that you're unable to work in the short term.","start":1665.3099,"end":1674.37,"sentiment":"neutral","sentiment_score":0.030818212085536548}],"sentiment":"neutral","sentiment_score":0.029509836763498328,"num_words":42,"start":1660.215,"end":1674.37},{"sentences":[{"text":"With the income protection benefit you have, you have a benefit amount of $6,008.38.","start":1675.265,"end":1680.865,"sentiment":"neutral","sentiment_score":0.0657160726508924},{"text":"It's a pretax amount and a monthly benefit.","start":1680.865,"end":1683.4249,"sentiment":"neutral","sentiment_score":0.05421912530437112},{"text":"So that's how much you could claim pretax if you are off work.","start":1683.4249,"end":1687.205,"sentiment":"neutral","sentiment_score":0.006354363348621588},{"text":"70% of your current income would mean we'd need to increase that benefit to about 8,001 166 per month.","start":1687.75,"end":1695.11,"sentiment":"neutral","sentiment_score":0.0278879748167176},{"text":"So you are a little bit underinsured at the moment.","start":1695.11,"end":1697.69,"sentiment":"neutral","sentiment_score":-0.10234393551945686}],"sentiment":"neutral","sentiment_score":0.014731514209415764,"num_words":64,"start":1675.265,"end":1697.69},{"sentences":[{"text":"However, in the event of, say, claiming on income protection, would the benefit you're covered for the $6.08 $3.08 plus maybe your husband's income, plus any income from the investment properties or anywhere else that you're able to generate funds from, would all that be sufficient, or would you need to maybe look at increasing that income protection benefit?","start":1699.11,"end":1718.755,"sentiment":"neutral","sentiment_score":0.005247030280909296},{"text":"I'd have to do a bit of a quote for you and see.","start":1724.0,"end":1726.48,"sentiment":"neutral","sentiment_score":0.005261459477389088},{"text":"If you like, I can generate a quote and send it through just to give you a bit of a guide.","start":1726.48,"end":1730.24,"sentiment":"neutral","sentiment_score":0.047169094905257225},{"text":"It's not an exact because it depends on factors there.","start":1730.24,"end":1733.315,"sentiment":"neutral","sentiment_score":-0.037659121491014955},{"text":"But I could get a bit of a quote and email it through so you can see what the estimated increase might look like and sort of work out if you need to increase.","start":1733.615,"end":1740.755,"sentiment":"neutral","sentiment_score":0.05495400063912658}],"sentiment":"neutral","sentiment_score":0.0208786099241625,"num_words":137,"start":1699.11,"end":1740.755},{"sentences":[{"text":"Yeah.","start":1740.975,"end":1741.475,"sentiment":"neutral","sentiment_score":0.13889078795909882},{"text":"Yep.","start":1743.0549,"end":1743.5549,"sentiment":"neutral","sentiment_score":0.30312302708625793},{"text":"Absolutely.","start":1743.695,"end":1744.195,"sentiment":"positive","sentiment_score":0.4420386552810669},{"text":"Not a problem at all.","start":1744.735,"end":1745.97,"sentiment":"positive","sentiment_score":0.4160981118679047},{"text":"With your income protection, you've also got a ninety day waiting period.","start":1746.21,"end":1749.1699,"sentiment":"neutral","sentiment_score":0.20296350866556168}],"sentiment":"neutral","sentiment_score":0.27000525668263436,"num_words":20,"start":1740.975,"end":1749.1699},{"sentences":[{"text":"So you just have to be off work for ninety days prior to making a claim.","start":1749.1699,"end":1752.5499,"sentiment":"neutral","sentiment_score":0.08543583983555436},{"text":"We suggest that as soon as you're off work and not able to go back for a period of time, you think you're gonna be off that time frame, to give us a call, let us know.","start":1752.85,"end":1761.105,"sentiment":"neutral","sentiment_score":-0.13633862872784203},{"text":"We can at least let the insurer know that, you know, there is a possible claim coming, and then they can work out, you know, the ninety day starting point and just makes it a bit easier and more streamlined there for you.","start":1761.265,"end":1772.245,"sentiment":"neutral","sentiment_score":0.28926688259424166},{"text":"And you do have a five year benefit period, so it does mean you can be on a claim for up to five years.","start":1772.465,"end":1777.79,"sentiment":"neutral","sentiment_score":0.20024772609273592},{"text":"After that five years, the claim does stop regardless of whether you can work or not, but I do like a five year benefit period.","start":1778.25,"end":1784.65,"sentiment":"neutral","sentiment_score":0.07671830907464028}],"sentiment":"neutral","sentiment_score":0.10679188468332948,"num_words":145,"start":1749.1699,"end":1784.65},{"sentences":[{"text":"It means that you're you know, most claims are completed within that sort of one to two years.","start":1784.65,"end":1789.2301,"sentiment":"neutral","sentiment_score":0.1495664099024402},{"text":"However, there are instances where maybe you need to be on a partial claim for a little bit longer, so having that five year benefit period can provide a bit of a buffer there.","start":1789.6101,"end":1797.755,"sentiment":"neutral","sentiment_score":0.029164597282514852},{"text":"Are you sort of happy with the waiting and benefit periods of those at the moment?","start":1798.935,"end":1802.7151,"sentiment":"neutral","sentiment_score":0.0032226648181676873},{"text":"Or yes.","start":1802.775,"end":1804.95,"sentiment":"neutral","sentiment_score":0.1429088395088911},{"text":"Beautiful.","start":1805.11,"end":1805.4299,"sentiment":"positive","sentiment_score":0.5769176483154297}],"sentiment":"neutral","sentiment_score":0.06476182606018765,"num_words":71,"start":1784.65,"end":1805.4299},{"sentences":[{"text":"Do you have any questions about the insurances, how they're structured, or what you can claim, or anything?","start":1805.4299,"end":1811.13,"sentiment":"neutral","sentiment_score":0.15221945858663982},{"text":"No.","start":1813.2699,"end":1813.7699,"sentiment":"neutral","sentiment_score":-0.13015557825565338},{"text":"That's okay.","start":1814.1499,"end":1815.0499,"sentiment":"neutral","sentiment_score":0.05288410419598222},{"text":"Beautiful.","start":1815.11,"end":1815.61,"sentiment":"positive","sentiment_score":0.4867761731147766},{"text":"And it looks like you don't have any additional insurances that can be held outside sleep.","start":1816.3899,"end":1820.325,"sentiment":"neutral","sentiment_score":0.20041034184396267}],"sentiment":"neutral","sentiment_score":0.16865538229773702,"num_words":38,"start":1805.4299,"end":1820.325},{"sentences":[{"text":"But I'm having a bit of a look here.","start":1820.325,"end":1821.765,"sentiment":"neutral","sentiment_score":0.09917839947674009},{"text":"I can see that you've got three kids, three dependents at home as well.","start":1821.765,"end":1825.2849,"sentiment":"neutral","sentiment_score":0.1022650386605944},{"text":"Is that right?","start":1825.2849,"end":1826.105,"sentiment":"neutral","sentiment_score":0.10057004789511363},{"text":"Yeah.","start":1827.5249,"end":1828.0249,"sentiment":"neutral","sentiment_score":0.029608651995658875},{"text":"What ages are they?","start":1828.085,"end":1829.385,"sentiment":"neutral","sentiment_score":0.02233300730586052}],"sentiment":"neutral","sentiment_score":0.08854732133688466,"num_words":31,"start":1820.325,"end":1829.385},{"sentences":[{"text":"Wow.","start":1832.66,"end":1833.16,"sentiment":"neutral","sentiment_score":0.07885850965976715},{"text":"All teenagers.","start":1833.62,"end":1834.36,"sentiment":"neutral","sentiment_score":0.06756823137402534},{"text":"Wow.","start":1838.98,"end":1839.38,"sentiment":"positive","sentiment_score":0.5236108303070068},{"text":"That's exciting.","start":1839.38,"end":1840.2,"sentiment":"positive","sentiment_score":0.6541274189949036},{"text":"So there are additional insurances outside of Life TBD income protection that you could always look to apply for.","start":1841.7,"end":1847.7999,"sentiment":"neutral","sentiment_score":0.1932872969068979}],"sentiment":"neutral","sentiment_score":0.22873277127742767,"num_words":25,"start":1832.66,"end":1847.7999},{"sentences":[{"text":"We have other insurances like trauma, which pays out a lump sum tax free benefit in the event that you're diagnosed with, say, Parkinson's, have a heart attack, or a stroke, cancer is probably the biggest one.","start":1848.1849,"end":1859.405,"sentiment":"neutral","sentiment_score":0.06933884342779985},{"text":"We can also apply for and obtain, like, child trauma policies, which in the event that your child is diagnosed with, like, a traumatic condition, can also pay out a lump sum tax free benefit there.","start":1859.785,"end":1872.5,"sentiment":"neutral","sentiment_score":0.08223533444106579},{"text":"Those are the types of insurances you can't hold inside.","start":1872.5599,"end":1875.36,"sentiment":"neutral","sentiment_score":0.03226199876517057},{"text":"So if they are an external cost added to your back pocket, did you wanna look at an additional cover, or you're just happy with the covers that you have at the moment?","start":1875.36,"end":1883.395,"sentiment":"neutral","sentiment_score":0.04361536568312934},{"text":"Happy?","start":1886.335,"end":1886.835,"sentiment":"positive","sentiment_score":0.5960066318511963}],"sentiment":"neutral","sentiment_score":0.06738412763891566,"num_words":117,"start":1848.1849,"end":1886.835},{"sentences":[{"text":"That's okay.","start":1886.895,"end":1887.715,"sentiment":"positive","sentiment_score":0.3578867167234421},{"text":"If you ever wanna have more of a conversation or find out more about these other types of insurances, please let me know.","start":1888.1749,"end":1894.195,"sentiment":"neutral","sentiment_score":0.1722150662023088},{"text":"Just making sure that you've got all the information there and that you can make an informed decision.","start":1894.29,"end":1898.7101,"sentiment":"neutral","sentiment_score":0.2768121800488896},{"text":"Easy.","start":1898.93,"end":1899.43,"sentiment":"positive","sentiment_score":0.43624186515808105},{"text":"Fantastic.","start":1900.6901,"end":1901.1901,"sentiment":"positive","sentiment_score":0.7136625051498413}],"sentiment":"neutral","sentiment_score":0.24020541260639827,"num_words":45,"start":1886.895,"end":1901.1901},{"sentences":[{"text":"I mean, realistically, when you think of all the insurances you can have, you can basically insure everything to the health care.","start":1901.49,"end":1906.29,"sentiment":"positive","sentiment_score":0.37603468651121313},{"text":"This is the out of pocket expense for doing that.","start":1906.29,"end":1908.7101,"sentiment":"neutral","sentiment_score":0.15713786706328392},{"text":"Beautiful.","start":1911.335,"end":1911.835,"sentiment":"positive","sentiment_score":0.535851001739502},{"text":"Beautiful.","start":1911.8949,"end":1912.3949,"sentiment":"positive","sentiment_score":0.47973883152008057},{"text":"And now so just having a look with your expenditure, are you finding are you guys finding that you are able to save a little bit at the moment?","start":1913.1749,"end":1920.215,"sentiment":"neutral","sentiment_score":0.0727532123183382}],"sentiment":"neutral","sentiment_score":0.20586626610112568,"num_words":63,"start":1901.49,"end":1920.215},{"sentences":[{"text":"I think last year when we caught up and did the annual review, we're managing to save or put away about a thousand dollars per week.","start":1920.215,"end":1926.5599,"sentiment":"neutral","sentiment_score":0.008076289167197851},{"text":"Are you still finding that, or is it a little bit tougher with everything expenses?","start":1926.5599,"end":1930.82,"sentiment":"neutral","sentiment_score":-0.07587233483791352},{"text":"Yeah.","start":1939.215,"end":1939.715,"sentiment":"neutral","sentiment_score":-0.0507928729057312},{"text":"Yeah.","start":1949.71,"end":1950.21,"sentiment":"neutral","sentiment_score":-0.014132428914308548},{"text":"Yeah.","start":1958.75,"end":1959.25,"sentiment":"neutral","sentiment_score":-0.028316067531704903}],"sentiment":"neutral","sentiment_score":-0.023212338035756893,"num_words":44,"start":1920.215,"end":1959.25},{"sentences":[{"text":"Yeah.","start":1959.31,"end":1959.81,"sentiment":"neutral","sentiment_score":-0.02725164219737053},{"text":"Yeah.","start":1972.125,"end":1972.625,"sentiment":"neutral","sentiment_score":-0.04993341863155365},{"text":"Yeah.","start":1982.83,"end":1982.99,"sentiment":"neutral","sentiment_score":0.030775608494877815},{"text":"Yeah.","start":1982.99,"end":1983.49,"sentiment":"neutral","sentiment_score":0.035218700766563416},{"text":"Yeah.","start":1985.485,"end":1985.985,"sentiment":"neutral","sentiment_score":0.02250620163977146}],"sentiment":"neutral","sentiment_score":0.0022630900144577025,"num_words":5,"start":1959.31,"end":1985.985},{"sentences":[{"text":"Yep.","start":1986.6849,"end":1987.1849,"sentiment":"neutral","sentiment_score":-0.019568676128983498},{"text":"Okay.","start":1994.365,"end":1994.865,"sentiment":"neutral","sentiment_score":0.019319558516144753},{"text":"Yeah.","start":1996.765,"end":1997.265,"sentiment":"neutral","sentiment_score":0.08270317316055298},{"text":"That's okay.","start":1997.5901,"end":1998.31,"sentiment":"neutral","sentiment_score":0.1373380944132805},{"text":"And what's the estimated time frame for having the granny flat completed?","start":1998.31,"end":2001.67,"sentiment":"neutral","sentiment_score":0.04816065076738596}],"sentiment":"neutral","sentiment_score":0.05500341491664157,"num_words":17,"start":1986.6849,"end":2001.67},{"sentences":[{"text":"Have you given yourselves a bit of a deadline at all?","start":2001.67,"end":2004.0701,"sentiment":"neutral","sentiment_score":0.00536085038699887},{"text":"Or Okay.","start":2004.0701,"end":2016.6649,"sentiment":"neutral","sentiment_score":0.033761450089514256},{"text":"Wow.","start":2023.38,"end":2023.88,"sentiment":"neutral","sentiment_score":0.10296200960874556},{"text":"Yeah.","start":2029.62,"end":2030.12,"sentiment":"neutral","sentiment_score":0.047973670065402985},{"text":"Yes.","start":2035.235,"end":2035.735,"sentiment":"neutral","sentiment_score":0.05726394057273865}],"sentiment":"neutral","sentiment_score":0.020918242167681456,"num_words":16,"start":2001.67,"end":2035.735},{"sentences":[{"text":"Yeah.","start":2041.635,"end":2042.135,"sentiment":"neutral","sentiment_score":0.01059078797698021},{"text":"Yeah.","start":2048.45,"end":2048.95,"sentiment":"neutral","sentiment_score":0.01264255214482546},{"text":"Yep.","start":2051.97,"end":2052.47,"sentiment":"neutral","sentiment_score":0.018248599022626877},{"text":"Okay.","start":2065.025,"end":2065.525,"sentiment":"neutral","sentiment_score":-0.0037148669362068176},{"text":"Yeah.","start":2071.44,"end":2071.94,"sentiment":"neutral","sentiment_score":-0.00902516022324562}],"sentiment":"neutral","sentiment_score":0.005748382396996021,"num_words":5,"start":2041.635,"end":2071.94},{"sentences":[{"text":"Yeah.","start":2073.76,"end":2074.0,"sentiment":"neutral","sentiment_score":-0.0301608145236969},{"text":"No.","start":2074.0,"end":2074.5,"sentiment":"neutral","sentiment_score":-0.0835581049323082},{"text":"No.","start":2079.28,"end":2079.52,"sentiment":"neutral","sentiment_score":-0.09666893631219864},{"text":"That's okay.","start":2079.52,"end":2080.24,"sentiment":"neutral","sentiment_score":-0.04210086539387703},{"text":"That's fantastic.","start":2080.24,"end":2081.06,"sentiment":"positive","sentiment_score":0.5455789268016815}],"sentiment":"neutral","sentiment_score":0.11379546672105789,"num_words":7,"start":2073.76,"end":2081.06},{"sentences":[{"text":"We'll cross our fingers.","start":2081.12,"end":2082.0,"sentiment":"positive","sentiment_score":0.3642088919878006},{"text":"Everything goes to plan and that you do have all of that done by the end of the year.","start":2082.0,"end":2085.335,"sentiment":"neutral","sentiment_score":0.27788532015524414},{"text":"That'd be fantastic.","start":2085.335,"end":2086.315,"sentiment":"positive","sentiment_score":0.6469005346298218},{"text":"Excellent.","start":2088.455,"end":2088.955,"sentiment":"positive","sentiment_score":0.5401250720024109},{"text":"Excellent.","start":2089.4949,"end":2089.975,"sentiment":"positive","sentiment_score":0.4482583999633789}],"sentiment":"positive","sentiment_score":0.3452050616698606,"num_words":28,"start":2081.12,"end":2089.975},{"sentences":[{"text":"And just for the caravan, I have it noted here estimated value last year was about 55,000.","start":2089.975,"end":2095.335,"sentiment":"neutral","sentiment_score":0.10508070842308156},{"text":"Would you alter or change that value or keep it about the same?","start":2095.335,"end":2098.475,"sentiment":"neutral","sentiment_score":-0.06743407965852664},{"text":"Yes.","start":2120.655,"end":2120.9749,"sentiment":"neutral","sentiment_score":0.010571125894784927},{"text":"What value would it be to you if you if you had to sell the caravan or if you wanted to sell the caravan?","start":2120.9749,"end":2125.87,"sentiment":"neutral","sentiment_score":-0.034129386845355235},{"text":"What would you want for it?","start":2125.87,"end":2126.9102,"sentiment":"neutral","sentiment_score":-0.023905932592848938}],"sentiment":"neutral","sentiment_score":-0.0006924712511359668,"num_words":61,"start":2089.975,"end":2126.9102},{"sentences":[{"text":"What value is it more to you?","start":2126.9102,"end":2128.61,"sentiment":"neutral","sentiment_score":-0.01821454694228513},{"text":"Yes.","start":2134.59,"end":2135.025,"sentiment":"neutral","sentiment_score":0.302142858505249},{"text":"Beautiful.","start":2135.4248,"end":2135.9248,"sentiment":"positive","sentiment_score":0.5088561773300171},{"text":"Fantastic.","start":2136.2249,"end":2136.7249,"sentiment":"positive","sentiment_score":0.5337876081466675},{"text":"I've was that's okay.","start":2137.9048,"end":2139.9048,"sentiment":"neutral","sentiment_score":0.2749532610177994}],"sentiment":"neutral","sentiment_score":0.16550698996122395,"num_words":14,"start":2126.9102,"end":2139.9048},{"sentences":[{"text":"I've also got cars on here.","start":2139.9048,"end":2141.7449,"sentiment":"neutral","sentiment_score":0.05004730448126793},{"text":"I believe it's probably two.","start":2141.7449,"end":2143.105,"sentiment":"neutral","sentiment_score":0.018975977972149848},{"text":"It just says cars, plural.","start":2143.105,"end":2144.4849,"sentiment":"neutral","sentiment_score":0.013132747635245324},{"text":"Just double checking, asset value combined is about 30,000.","start":2146.145,"end":2149.6848,"sentiment":"neutral","sentiment_score":0.026623594264189403},{"text":"Would you keep the cars roughly the same, or what value are they to you?","start":2149.825,"end":2154.3699,"sentiment":"neutral","sentiment_score":0.01204848513007164}],"sentiment":"neutral","sentiment_score":0.022029177006334066,"num_words":40,"start":2139.9048,"end":2154.3699},{"sentences":[{"text":"20 5.","start":2160.1099,"end":2160.93,"sentiment":"neutral","sentiment_score":0.029295751824975014},{"text":"Yep.","start":2161.39,"end":2161.89,"sentiment":"neutral","sentiment_score":0.05054984614253044},{"text":"Beautiful.","start":2162.8298,"end":2163.3298,"sentiment":"neutral","sentiment_score":0.3291059136390686},{"text":"Yeah.","start":2164.855,"end":2165.3352,"sentiment":"neutral","sentiment_score":0.10818132758140564},{"text":"That's okay.","start":2165.3352,"end":2166.3152,"sentiment":"neutral","sentiment_score":0.15377575159072876}],"sentiment":"neutral","sentiment_score":0.12199715631348747,"num_words":7,"start":2160.1099,"end":2166.3152},{"sentences":[{"text":"And I also had a note here that you've got a boat, roughly estimated value of about 15,000.","start":2166.615,"end":2172.7952,"sentiment":"neutral","sentiment_score":0.0470207707128591},{"text":"Yep.","start":2173.975,"end":2174.475,"sentiment":"neutral","sentiment_score":0.13380520045757294},{"text":"Beautiful.","start":2174.935,"end":2175.435,"sentiment":"neutral","sentiment_score":0.32800719141960144},{"text":"And then you also did have about 30 5,000 in savings last year.","start":2176.0552,"end":2180.01,"sentiment":"neutral","sentiment_score":0.04710197720963221},{"text":"This was being used for the investment property.","start":2180.01,"end":2182.43,"sentiment":"neutral","sentiment_score":0.024971896782517433}],"sentiment":"neutral","sentiment_score":0.051714320553512105,"num_words":41,"start":2166.615,"end":2182.43},{"sentences":[{"text":"Is that kind of being used for the granny flat, or do you still have that money in an offset?","start":2182.8901,"end":2187.23,"sentiment":"neutral","sentiment_score":0.0010241041891276836},{"text":"Oh, no.","start":2200.505,"end":2201.405,"sentiment":"neutral","sentiment_score":-0.1899362951517105},{"text":"Yeah.","start":2208.52,"end":2209.02,"sentiment":"neutral","sentiment_score":-0.02290431596338749},{"text":"Yep.","start":2213.0,"end":2213.5,"sentiment":"neutral","sentiment_score":-0.038377583026885986},{"text":"Yep.","start":2218.2148,"end":2218.7148,"sentiment":"neutral","sentiment_score":0.036742378026247025}],"sentiment":"neutral","sentiment_score":-0.015357201099395751,"num_words":25,"start":2182.8901,"end":2218.7148},{"sentences":[{"text":"Yes.","start":2219.7349,"end":2220.2349,"sentiment":"neutral","sentiment_score":0.04117691144347191},{"text":"Fantastic.","start":2224.135,"end":2224.635,"sentiment":"positive","sentiment_score":0.4941473007202149},{"text":"Excellent.","start":2225.815,"end":2226.315,"sentiment":"positive","sentiment_score":0.3757568597793579},{"text":"Excellent.","start":2226.535,"end":2227.035,"sentiment":"positive","sentiment_score":0.3496464490890503},{"text":"And then with the the property, just so double checking the values on those, the Karratha property, we had it noted about 750,000.","start":2227.255,"end":2235.02,"sentiment":"neutral","sentiment_score":0.06827174046117326}],"sentiment":"neutral","sentiment_score":0.10485102043107704,"num_words":27,"start":2219.7349,"end":2235.02},{"sentences":[{"text":"Do you think that might have increased in value a little bit since we spoke last year in November?","start":2235.02,"end":2239.92,"sentiment":"neutral","sentiment_score":0.012006062033929323},{"text":"On point.","start":2243.115,"end":2243.935,"sentiment":"neutral","sentiment_score":0.014607938937842846},{"text":"Yep.","start":2244.155,"end":2244.655,"sentiment":"neutral","sentiment_score":0.03708499297499657},{"text":"That's okay.","start":2245.835,"end":2246.735,"sentiment":"neutral","sentiment_score":0.08595054596662521},{"text":"I've also got here, so the Estuary property about 800,000 in value.","start":2247.355,"end":2252.075,"sentiment":"neutral","sentiment_score":0.03487660192574064}],"sentiment":"neutral","sentiment_score":0.02457878790381882,"num_words":36,"start":2235.02,"end":2252.075},{"sentences":[{"text":"Would you increase that one a little bit or a lot?","start":2252.075,"end":2255.0552,"sentiment":"neutral","sentiment_score":0.01924117650328712},{"text":"Yep.","start":2260.9,"end":2261.4,"sentiment":"neutral","sentiment_score":0.15788191556930542},{"text":"Fantastic.","start":2261.46,"end":2261.96,"sentiment":"positive","sentiment_score":0.4071870446205139},{"text":"Excellent.","start":2262.66,"end":2263.14,"sentiment":"positive","sentiment_score":0.3420758843421936},{"text":"And then your main primary residence in Timberlane, 1.1 million I had on here for you.","start":2263.14,"end":2268.28,"sentiment":"neutral","sentiment_score":0.1128864036872983}],"sentiment":"neutral","sentiment_score":0.0974993415021648,"num_words":30,"start":2252.075,"end":2268.28},{"sentences":[{"text":"Yep.","start":2274.525,"end":2275.025,"sentiment":"neutral","sentiment_score":0.12420948594808578},{"text":"Fantastic.","start":2275.1648,"end":2275.6648,"sentiment":"positive","sentiment_score":0.35171064734458923},{"text":"Excellent.","start":2276.045,"end":2276.545,"sentiment":"neutral","sentiment_score":0.3123910129070282},{"text":"Well, thank you so much for updating all those.","start":2276.605,"end":2278.785,"sentiment":"neutral","sentiment_score":0.2509121431244744},{"text":"That's good.","start":2279.9648,"end":2280.605,"sentiment":"neutral","sentiment_score":0.3101186156272888}],"sentiment":"neutral","sentiment_score":0.2619112618267536,"num_words":14,"start":2274.525,"end":2280.605},{"sentences":[{"text":"That's fantastic.","start":2280.605,"end":2281.345,"sentiment":"neutral","sentiment_score":0.3273153305053711},{"text":"I mean, having in recent months, the property markets have been, you know, going up in some areas, not so much in others.","start":2281.805,"end":2286.94,"sentiment":"neutral","sentiment_score":0.014111512786020403},{"text":"And I see the Melbourne's had a little bit of a decrease, so it's good to see WA is being increasing for you guys.","start":2286.94,"end":2291.98,"sentiment":"neutral","sentiment_score":0.03361741127446294},{"text":"Yeah.","start":2291.98,"end":2292.48,"sentiment":"neutral","sentiment_score":0.046053696423769},{"text":"Excellent.","start":2294.06,"end":2294.56,"sentiment":"neutral","sentiment_score":0.2110721170902252}],"sentiment":"neutral","sentiment_score":0.04006155174882973,"num_words":51,"start":2280.605,"end":2294.56},{"sentences":[{"text":"Now the last thing to sort of touch base on is the estate planning side of things.","start":2295.26,"end":2299.285,"sentiment":"neutral","sentiment_score":0.06361872746663935},{"text":"I do have it noted that you didn't have a will or power of attorney last year when we did the annual review.","start":2299.665,"end":2305.525,"sentiment":"neutral","sentiment_score":0.033612973826087036},{"text":"Have you guys talked about doing up a will, power of attorney, things like that?","start":2306.065,"end":2310.165,"sentiment":"neutral","sentiment_score":0.03995610574881236},{"text":"Yep.","start":2310.305,"end":2310.805,"sentiment":"neutral","sentiment_score":0.062318455427885056},{"text":"Fantastic.","start":2314.07,"end":2314.57,"sentiment":"positive","sentiment_score":0.3585076332092285}],"sentiment":"neutral","sentiment_score":0.0504348147333714,"num_words":57,"start":2295.26,"end":2314.57},{"sentences":[{"text":"Yep.","start":2318.31,"end":2318.81,"sentiment":"neutral","sentiment_score":0.0952630341053009},{"text":"Yep.","start":2331.365,"end":2331.605,"sentiment":"neutral","sentiment_score":0.06295403838157654},{"text":"Yep.","start":2331.605,"end":2332.085,"sentiment":"neutral","sentiment_score":0.039705656468868256},{"text":"No.","start":2332.085,"end":2332.325,"sentiment":"neutral","sentiment_score":-0.06330819427967072},{"text":"That's okay.","start":2332.325,"end":2333.065,"sentiment":"neutral","sentiment_score":-0.011358623392879963}],"sentiment":"neutral","sentiment_score":0.018649547981719177,"num_words":6,"start":2318.31,"end":2333.065},{"sentences":[{"text":"Fantastic.","start":2333.845,"end":2334.345,"sentiment":"positive","sentiment_score":0.6516382694244385},{"text":"Excellent.","start":2334.885,"end":2335.385,"sentiment":"positive","sentiment_score":0.6042478084564209},{"text":"And with your beneficiary nominations on your life insurance and your super, I have it noted down here as Darren's spouse a 100% to receive the benefit.","start":2336.0798,"end":2345.04,"sentiment":"neutral","sentiment_score":0.2644462044592257},{"text":"That's exactly how you want those to be nominated.","start":2345.04,"end":2347.38,"sentiment":"positive","sentiment_score":0.39218606220351326},{"text":"Yeah.","start":2349.0552,"end":2349.5352,"sentiment":"positive","sentiment_score":0.3706105351448059}],"sentiment":"neutral","sentiment_score":0.3152876588014456,"num_words":39,"start":2333.845,"end":2349.5352},{"sentences":[{"text":"Fantastic.","start":2349.5352,"end":2350.0352,"sentiment":"positive","sentiment_score":0.6209874749183655},{"text":"Excellent.","start":2350.655,"end":2351.135,"sentiment":"positive","sentiment_score":0.6097863912582397},{"text":"Just making sure everything is up to date there.","start":2351.135,"end":2353.215,"sentiment":"positive","sentiment_score":0.4662863545947605},{"text":"I'm glad you've done your well.","start":2353.215,"end":2354.735,"sentiment":"positive","sentiment_score":0.6741875410079956},{"text":"It's one of those things we always kinda put them off and then we discover we really need to do them.","start":2354.735,"end":2359.215,"sentiment":"neutral","sentiment_score":0.19323386145489557}],"sentiment":"positive","sentiment_score":0.35606282616132184,"num_words":38,"start":2349.5352,"end":2359.215},{"sentences":[{"text":"So I'm glad they're all done.","start":2359.215,"end":2360.575,"sentiment":"positive","sentiment_score":0.348727822303772},{"text":"Absolutely.","start":2360.575,"end":2361.075,"sentiment":"neutral","sentiment_score":0.32355499267578125},{"text":"Fantastic.","start":2362.19,"end":2362.69,"sentiment":"positive","sentiment_score":0.4808834791183472},{"text":"Well, just to kinda recap, what I'll do is I'll do up do some research for you.","start":2362.75,"end":2366.27,"sentiment":"neutral","sentiment_score":0.15085486804737763},{"text":"It does take a few weeks to kind of reevaluate all the investments and do up an advice document for you.","start":2366.27,"end":2371.3098,"sentiment":"neutral","sentiment_score":0.1253265461751393}],"sentiment":"neutral","sentiment_score":0.17593903548043707,"num_words":46,"start":2359.215,"end":2371.3098},{"sentences":[{"text":"So once we have got that ready to go, I'll come back, book you back in, and we'll go through the advice together.","start":2371.3098,"end":2376.13,"sentiment":"neutral","sentiment_score":0.12915836922500445},{"text":"I'll also do up a bit of an increased quote for your income protection just to sort of send through so you can review what that might look like to increase that.","start":2376.8152,"end":2385.155,"sentiment":"neutral","sentiment_score":0.07464776939013973},{"text":"I'll also add any notes down around any exclusions or loadings that you might have applied or expected with regards to that to gonna give you an overview on whether you wanted to increase that insurances.","start":2385.6152,"end":2395.35,"sentiment":"neutral","sentiment_score":0.05626298378532132},{"text":"If you have any questions in relation to any of those days, you're welcome to come back and let me know at any point in time.","start":2395.8901,"end":2401.49,"sentiment":"neutral","sentiment_score":0.12894797067229563},{"text":"Okay?","start":2401.49,"end":2401.99,"sentiment":"neutral","sentiment_score":0.08762496709823608}],"sentiment":"neutral","sentiment_score":0.09173822655516156,"num_words":118,"start":2371.3098,"end":2401.99},{"sentences":[{"text":"Is there any other medium term goals or any other goals that you might have down the track that you're sort of looking to achieve or nothing at the moment?","start":2403.585,"end":2411.205,"sentiment":"neutral","sentiment_score":0.021566179767251014},{"text":"Or no.","start":2411.345,"end":2414.575,"sentiment":"neutral","sentiment_score":-0.03590071201324463},{"text":"No.","start":2414.96,"end":2415.1199,"sentiment":"neutral","sentiment_score":-0.05686356872320175},{"text":"That's okay.","start":2415.1199,"end":2416.0,"sentiment":"neutral","sentiment_score":0.03338315058499575},{"text":"I'll pop down here, finish the Granny Flat, possibly add additional properties down the track there.","start":2416.0,"end":2421.92,"sentiment":"neutral","sentiment_score":0.11029633460566401}],"sentiment":"neutral","sentiment_score":0.046075059904479514,"num_words":51,"start":2403.585,"end":2421.92},{"sentences":[{"text":"You've also got here commercial properties that you might wanna invest in down the track there as well.","start":2421.92,"end":2427.2798,"sentiment":"neutral","sentiment_score":0.08557165724535783},{"text":"Does that sound about right?","start":2427.2798,"end":2428.88,"sentiment":"neutral","sentiment_score":0.09454552233219146},{"text":"Yep.","start":2428.88,"end":2429.38,"sentiment":"neutral","sentiment_score":0.08032996952533722},{"text":"Oh, fantastic.","start":2431.005,"end":2431.825,"sentiment":"positive","sentiment_score":0.6853278279304504},{"text":"Is there anything else that you might want me to touch on or anything I may have missed or anything else of importance or any other questions that you might have at all?","start":2432.2048,"end":2440.2249,"sentiment":"neutral","sentiment_score":0.20390237935564734}],"sentiment":"neutral","sentiment_score":0.1727590099355932,"num_words":59,"start":2421.92,"end":2440.2249},{"sentences":[{"text":"No?","start":2441.885,"end":2442.385,"sentiment":"neutral","sentiment_score":0.019140765070915226},{"text":"Fantastic.","start":2443.53,"end":2444.03,"sentiment":"positive","sentiment_score":0.5419285297393799},{"text":"Not a problem.","start":2444.73,"end":2445.45,"sentiment":"positive","sentiment_score":0.43877233068148297},{"text":"But I will I will get cracking on that research there for you.","start":2445.45,"end":2448.1702,"sentiment":"positive","sentiment_score":0.4636513109390552},{"text":"I thank you so much for your time.","start":2448.1702,"end":2449.79,"sentiment":"positive","sentiment_score":0.6740603074431419}],"sentiment":"positive","sentiment_score":0.5114359918695229,"num_words":26,"start":2441.885,"end":2449.79},{"sentences":[{"text":"Attached to any review pack is all those documents I went through.","start":2450.25,"end":2453.29,"sentiment":"neutral","sentiment_score":0.14116184040904045},{"text":"So your internal rate of return, your summary there.","start":2453.29,"end":2456.09,"sentiment":"neutral","sentiment_score":0.1268277085489697},{"text":"We've also got the financial services guide attached for you, which outlines everything about who we are, what we do, and how we do it.","start":2456.09,"end":2463.4492,"sentiment":"neutral","sentiment_score":0.12599449515342712},{"text":"We do also have attached there for you your ongoing service agreement.","start":2463.4492,"end":2466.9111,"sentiment":"neutral","sentiment_score":0.10620900491873424},{"text":"So out of your super, you do pay us an ongoing service fee for looking at your super monitoring, maintaining it, and also updating and providing advice to keep you on track towards meeting your retirement goals there.","start":2466.9111,"end":2478.49,"sentiment":"neutral","sentiment_score":0.17509859643484416}],"sentiment":"neutral","sentiment_score":0.1449323808774352,"num_words":96,"start":2450.25,"end":2478.49},{"sentences":[{"text":"Our ongoing service fee is 1.65% per annum.","start":2478.95,"end":2482.65,"sentiment":"neutral","sentiment_score":0.05265256995335221},{"text":"That is currently capped at 600,000, and it's deducted in smaller monthly increments.","start":2483.1099,"end":2488.545,"sentiment":"neutral","sentiment_score":0.06875727526270427},{"text":"So the idea is that as a percentage based fee, it fluctuates with the market.","start":2488.605,"end":2492.605,"sentiment":"neutral","sentiment_score":0.035597426195939384},{"text":"So when the market is doing really well, our fee is a little bit higher.","start":2492.605,"end":2495.825,"sentiment":"neutral","sentiment_score":0.029742781693736713},{"text":"However, when we see dips like we saw in March and April this year, it means that our fee takes a bit of a dip there with it as well.","start":2495.9648,"end":2502.34,"sentiment":"neutral","sentiment_score":-0.012650978875656922}],"sentiment":"neutral","sentiment_score":0.02364986284095564,"num_words":81,"start":2478.95,"end":2502.34},{"sentences":[{"text":"So it is dependent on what's happening with your super to how much we make, and which is really important because we wanna make sure we're putting your needs above that of our own.","start":2502.34,"end":2510.98,"sentiment":"neutral","sentiment_score":0.05489534794298165},{"text":"That includes our fees.","start":2510.98,"end":2512.1,"sentiment":"neutral","sentiment_score":0.008107900153845549},{"text":"So it's good to see the 8% return, and that return is after fees.","start":2512.1,"end":2516.685,"sentiment":"neutral","sentiment_score":0.13769896647759847},{"text":"It's a net return, and that's after our ongoing service fee has been deducted as well.","start":2516.685,"end":2520.925,"sentiment":"neutral","sentiment_score":0.09956366801634431},{"text":"So it's really, really important that we kinda clarify those for you.","start":2520.925,"end":2526.065,"sentiment":"neutral","sentiment_score":0.13348612872262797}],"sentiment":"neutral","sentiment_score":0.08776888992870227,"num_words":80,"start":2502.34,"end":2526.065},{"sentences":[{"text":"If you are happy with our services, wanna remain on board for a bit longer as a client, I'll get you to sign and return that one back there for me.","start":2526.5798,"end":2533.38,"sentiment":"neutral","sentiment_score":0.2096870491100896},{"text":"Feel free to take some time to read those documents.","start":2533.38,"end":2535.72,"sentiment":"neutral","sentiment_score":0.2651561707258224},{"text":"And if you do find you have any questions in relation to any of them, you're welcome to let me know.","start":2536.3398,"end":2541.24,"sentiment":"neutral","sentiment_score":0.22666734492494947},{"text":"Okay?","start":2541.3,"end":2541.8,"sentiment":"neutral","sentiment_score":0.17800787091255188},{"text":"Excellent.","start":2543.995,"end":2544.495,"sentiment":"positive","sentiment_score":0.7948243618011475}],"sentiment":"neutral","sentiment_score":0.23257354227826,"num_words":64,"start":2526.5798,"end":2544.495},{"sentences":[{"text":"Is there anything else that you might want me to sort of research or just to sort of go through while I'm sending you an email so I could any other questions that you might might have popped up in the last few minutes?","start":2544.955,"end":2554.335,"sentiment":"neutral","sentiment_score":0.26659372313456103},{"text":"No.","start":2557.31,"end":2557.81,"sentiment":"neutral","sentiment_score":0.04156550392508507},{"text":"My pleasure, Jay.","start":2558.03,"end":2558.9102,"sentiment":"positive","sentiment_score":0.43552255630493164},{"text":"Look.","start":2558.9102,"end":2559.07,"sentiment":"positive","sentiment_score":0.3999716341495514},{"text":"Thank you so much for taking my call.","start":2559.07,"end":2561.09,"sentiment":"positive","sentiment_score":0.795138418674469}],"sentiment":"positive","sentiment_score":0.34805852586501523,"num_words":57,"start":2544.955,"end":2561.09},{"sentences":[{"text":"I hope you have a lovely day.","start":2561.1501,"end":2562.9102,"sentiment":"positive","sentiment_score":0.7619802185467311},{"text":"I hope you have a great weekend coming up.","start":2562.9102,"end":2564.59,"sentiment":"positive","sentiment_score":0.5874464578098721},{"text":"I know it's only Tuesday, but the weekend will be here before we know it.","start":2564.59,"end":2568.37,"sentiment":"neutral","sentiment_score":0.15016225824753443},{"text":"I love it, and I'll get a crack in that research there.","start":2569.545,"end":2571.865,"sentiment":"positive","sentiment_score":0.8025286396344503},{"text":"If there's anything that comes up, you're welcome to let me know at any point.","start":2571.865,"end":2574.9849,"sentiment":"neutral","sentiment_score":0.33116372525691984}],"sentiment":"positive","sentiment_score":0.47363988066027907,"num_words":58,"start":2561.1501,"end":2574.9849},{"sentences":[{"text":"Okay?","start":2574.9849,"end":2575.4849,"sentiment":"neutral","sentiment_score":0.21389248967170715},{"text":"Thanks.","start":2577.305,"end":2577.805,"sentiment":"positive","sentiment_score":0.7336366176605225},{"text":"My pleasure.","start":2578.505,"end":2579.2249,"sentiment":"positive","sentiment_score":0.7876870930194855},{"text":"Enjoy your day.","start":2579.2249,"end":2579.9448,"sentiment":"positive","sentiment_score":0.7889241774876913},{"text":"Thank you for your time.","start":2579.9448,"end":2581.145,"sentiment":"positive","sentiment_score":0.759711754322052}],"sentiment":"positive","sentiment_score":0.7240195497870445,"num_words":12,"start":2574.9849,"end":2581.145},{"sentences":[{"text":"See you later.","start":2581.145,"end":2581.9648,"sentiment":"positive","sentiment_score":0.5151551266511282},{"text":"Bye.","start":2582.665,"end":2583.165,"sentiment":"neutral","sentiment_score":-0.10928501188755035}],"sentiment":"positive","sentiment_score":0.3590450920164585,"num_words":4,"start":2581.145,"end":2583.165}]}}]},{"alternatives":[{"transcript":"Hey, Dana. How are you? Yeah. Really good. I've got Jade on the phone. She just called back for her annual review. Yeah. I picked it up, and I was like, oh, yep, Jay. That's Dana. So it was sort of fitting that I picked it up because it was your client. Yep. No. She's really good. She's got a New Zealand accent, I think. So yep. No. She's all good. She had time to complete the call. So, yep, she's ready for you when you're ready. Alright. Perfect. In 321, you have Jade. Yes. Good. Thanks. How are you? Yes. Sorry. I had a chuckle. Yes. Oh, no. Nothing in particular. Yeah. Yes. Yes. Yes. I do. Yep. Yep. Okay. Yeah. It's been fun. Yeah. Just been at work. So yeah. So we have actually for my husband now, we purchased a second investment property. Oh, sorry. Sorry. Okay. No. Sorry. The Carathe one was the one. I I didn't realize we had challenged because when you said annual, I thought, oh, it was last year before we bought the property. But no. No. No. That's that's correct. Yeah. Yeah. Not not at this stage. We're we're actually in the process of putting a granny flat on our owner occupied house for my in laws. Yeah. Yeah. Yeah. Not not at the moment. It's a yeah. It's it's further down the track. No. It would be, yeah, just furthering my current qualifications. So I'm a psychologist, so it's which would just be furthering that. Yep. No. It's still that's pretty much what it's sitting at. Yep. Okay. I've I've got it. It's definitely come through. Yes. Okay. No. It's definitely it's come through have you tried three times? Because it's come through three times. Yep. Definitely come through. Yes. Sorry. I should have said. So okay. So the one that I well, the the thing that I'm looking at is the signing page, but then there's attachments as well. Mhmm. Yes. Yes. Yes. No. Yep. Yep. Yep. Yep. Yeah. I do. I I do I do log in from time to time to keep an eye on it. Yes, sir. Actually, funny enough well, obviously, because we were having this annual review chat, I I went on and had a look and noticed that the graph over the last sort of six months and how it kinda dipped around the whole, like, Iran war saga, you know, fuel saga. But that it's actually gone back up again. So that's quite positive. So yeah. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Mhmm. Yes. Yep. Yep. Yep. Mhmm. Yep. Mhmm. Yeah. Yes. Yes. I'm wondering so yeah. Because I'm I'm not, like, super knowledgeable about, you know, that that kind of thing. I mean, obviously, yes. I can see that, you know, percentage wise, it's it was a loss compared to everything else. And I would be happy to go with, you know, whatever is advised in terms of if there if there is a yeah. Something that is showing, you know, a good growth. Yeah. But yeah. Yes. Okay. Mhmm. Yes. Yes. I would like that. Thank you. Yeah. Yeah. Yep. Yes. That sounds great. Thank you. Yes. That's fine. Yeah. Yep. Sounds good. Yep. Yes. Yep. Yes. Yeah. Yeah. I think for me, because of the nature of my work, I could probably continue doing it even in a part time capacity for as long as, you know, my my brain is functional. So in terms of retirement, it would probably be like, I wouldn't take complete retirement at that age. I'll probably continue to work part time, you know, into my sixties. And so yeah. So so I haven't you know? Yeah. I don't see, like, a a full retirement kind of until, yeah, quite a bit along. Obviously, things contained. You you know? We don't know, but I'm sort of anticipating with all going well, my health and everything going well, and me being able to continue working. Yeah. So and, yeah, my husband's also got well, not my husband, not but we, as in our family, we you know, we've got properties, etcetera, because my husband runs his own business. So he's we bought properties as an investment and sent for him because because he doesn't really have much in a super fund per se. Yeah. So yeah. No. Yeah. We might, yeah, we might look at that as well. Yeah. So maybe another property down the line, we may look at commercial property. Yeah. So yep. Yes. Yeah. Yeah. That's that's correct. Yeah. Mhmm. A variety of things. His main his main job that he's doing at the moment is actually swimming pool renovations. So yeah. So, basically, the you try and send clean, send repaint, send, you know, so he needs refiberglass, and he does all of that. Yep. So he does that. That's main sort of focus, but he's also he does free diving and instructing as well. So he runs courses and trains people to how to free dive better and safely. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. So he does that yeah. He does that between so we're we're based in Perth, but he does he works between Perth and then he goes up into the Pilbara to Caratha, and he he works up there as well because it gets very wet in in Perth out of this time. So you can't really do a lot in terms of, you know, renovating swimming pool. But winter in Karratha is, like, the perfect climate to do swimming pool. So, yeah, so that's how he sort of puts his time. And the same thing with the with the free diving courses because the weather here and the water gets pretty cold down in Perth. So he goes up there and continues to teach and train up there. Yep. Yeah. Yeah. No. He'll go he'll go for, like, three weeks most of the time, yeah, to get, you know, to get the value of being up there because he drives drives up and down. So yeah. Yeah. Yeah. Yeah. Yeah. No. That's pretty good. Yes. Yeah. Yeah. Okay. Sure. Some of them are. Okay. Yes. Mhmm. Yeah. So yeah. Yeah. That sounds great. Mhmm. No. I I don't think so. Yeah. I mean, I think I'm I'm pretty confident that, you know, it will just continue to grow. And so even yes. If there are, like, those kinds of debts, overall, you know, if you look at the, you know, the the long I've been having earning super and whatnot, the the growth has has been steady and it's it has been you know, so even when there's been those debts sort of corrected and then, yeah, continued. So I understand that, you know, more kind of macroeconomic things can impact on it, which is obviously not within anyone's control. But for the most part, like, if things continue to be relatively stable, then, yeah, I'm I'm not concerned that by the time I retire, I'm pretty sure there'll be plenty. Yeah. Yeah. I think I'm I'm I'm happy to keep things as they are. So probably yeah. Just given yeah. Some of the the things going on in the world at the moment, I'll probably, yeah, just continue to be a bit more conservative. Yeah. Yes. Yes. Yeah. In the middle. Yeah. Yeah. Yeah. Yes. Yes. Yes. Mhmm. Yes. Yes. Yes. Mhmm. Yep. Yeah. Yeah. Sounds good. Mhmm. Yes. Let me just have a quick look. I'll just jump on to my home loans. Okay. So sorry. Say that again. The for the Woodvale property? Yeah. No. So that is we are about 400,000 on that one. It's yeah. It's it's not really. We just shuffle things around. Yeah. So that's that one's it's gone up. So we've we've put money we've taken money out of our investment properties to put into the house, into our own occupied because we don't make any money on that. So the Heathridge, the entry one is 660. Yep. Yeah. That's I mean, yeah. It's $5.13 now. So, yep, that's pretty accurate. Yeah. So yeah. So mhmm. Yeah. Yeah. Yeah. Yeah. No. We wouldn't wanna cover all the lines. Yeah. Just the primary. Mhmm. Yes. Yes. Yeah. Yes. Yes. I think that's adequate. Yep. Yes. Yes. Okay. Minimize tax. Yeah. So yeah. Okay. Yeah. Yeah. Yep. Yes. Yeah. Yes. No. I think that's fine. Yep. No. No. That's that's what it is. Yeah. Yeah. It's set up there. Yep. Mhmm. Okay. Okay. What would the cost be of increasing the benefit? Okay. Yeah. Yeah. Sure. Yeah. Yeah. If you can do that, that would be great. Thank you. Okay. Yes. Okay. Okay. Yes. Yep. Yeah. That's fine. Yep. No. No. I don't. Yes. 17, 15, and 13. Yeah. My daughter my youngest just turned 13 on Sunday. I think I'm happy with what I have now. Thank you. Okay. So Yeah. Yeah. That's right. Yeah. Yeah. Yeah. I don't know. It's hard to say. Again, I'm just having a look. Because my yeah. I've spent averaging it out. Yes. Because my husband runs his own business, obviously, his income's to a. Mhmm. And so it can be dependent on, you know, his his earning. But I would say yeah. I mean, we're probably not saving as much as we would like to. But then again, we are also well, when I say we're so we're saving, but we're putting money into the granny flat. So anything that we save within, you know, our our spending on that. So so I'd say, yeah, we'd we'd probably yeah, let let's say 500 a week. It's probably about half of what we were. Yeah. Yeah. I mean, not in a super huge rush because at the moment, my my in laws are actually just staying in our caravan. So we've got a we've got a fully self contained caravan with a kitchen and a toilet and bathroom and all of that kind of thing. So yeah. That because, I mean, they can still come in and you know, they come into the main house, and they can use the the toilet and bathroom and whatnot. But yeah. So they're kind of quite self sufficient in in that space. So we're not in a huge rush. So it's it's a case of when we have the money. You know? So being able to because, like, certain things will cost. You know? We only, like, a lump sum of of an amount. So once we, you know, get that, then we can pay. You know? So but at the moment, it's very much in the beginning phase with so the architects have submitted the plans to the council. So we've probably got about a ten week wait for approval, if they're happy with everything. And, you know, so it's really yeah. We don't ideally, if we could have it done by the end of the year, that would be, yeah, that would be ideal. But, yeah, we're not sort sort of, like, super stressed about it. But yeah. Yeah. Yeah. Yeah. Yeah. That would be. Mhmm. Oh, gosh. I'm more like this a depreciating asset, so you should probably drop it maybe. I wouldn't obviously, with the financials, our accountant does everything because all of that stuff is kind of linked to my husband's business. So they would've she would've appreciated the caravan, I'm sure. Oh gosh. Yeah. I suppose if we could get about 50 for it, that would be great. Yeah. But yeah. That's great. Yep. Yeah. It's fine. Maybe, like, a 25 because I think yeah. Yeah. Yeah. The service depreciation. Yep. Yep. Yep. Yes. Yes. Yep. No. We put that all back into, yeah, the the it was meant to be put into an offset, and when they set up the new lines, they didn't quite do it the way we wanted to. So, yeah, unfortunately, that's gone all all in back into the the home. But anyway so we've we've got we've got an offset facility that we then just you know, all the extra money goes into that. And then that's what we if we need to and it's a redraw account. So if we need to draw out of it, we can. And that's where we're putting an extra and then we pull out of that for the granny flat. So that's how what we're confusing it. Yep. Yep. No. That's pretty pretty consistent. Yeah. Caracas. Yeah. Mhmm. Yes. That's gone up. I'd say that's probably about $9,900 now. Yep. Mhmm. Yeah. That could probably go up to 1 I would say $1.02. So maybe another 100,000. Yep. Yeah. The WA property market's doing well. Yeah. Yeah. Yeah. Yeah. Yeah. Yes. Yep. Yes. So we've we've now yeah. We actually did that. Yeah. Because that was one of the things that we're like, oh, we need to get our wheels done. So we've done well. I can't remember, it was a little while ago now, if if the power of attorney was part of that or not. Yeah. But we we've definitely done the will. Yes. So that's seems to have yeah. Yeah. Yep. Yes. Yes. Yes. Yeah. Yes. Yeah. Okay. Yeah. No. That's everything. Yeah. Yep. Yep. Yes. That does. Yep. No. I think that's covered everything. Thank you. Yep. Yes. Yes. Yes. Yes. Yes. Okay. Alright. No. No. I have everything. Thank you. Thanks. Yes. Yeah. Okay. Alright. Thank you, Dana. Okay. Okay. Bye.","confidence":0.9873047,"words":[{"word":"hey","start":2.08,"end":2.3999999,"confidence":0.8515625,"punctuated_word":"Hey,","sentiment":"neutral","sentiment_score":0.10342608392238616},{"word":"dana","start":2.3999999,"end":2.8,"confidence":0.9682617,"punctuated_word":"Dana.","sentiment":"neutral","sentiment_score":0.15175245702266693},{"word":"how","start":2.8,"end":2.96,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.18039879202842712},{"word":"are","start":2.96,"end":3.12,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.16127954423427582},{"word":"you","start":3.12,"end":3.62,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.18601253628730777},{"word":"yeah","start":5.3599997,"end":5.7599998,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.30671530961990356},{"word":"really","start":5.7599998,"end":6.0,"confidence":0.9980469,"punctuated_word":"Really","sentiment":"positive","sentiment_score":0.5660823583602905},{"word":"good","start":6.0,"end":6.3199997,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5507571697235107},{"word":"i've","start":6.3199997,"end":6.64,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.3325558602809906},{"word":"got","start":6.64,"end":6.96,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.3122415542602539},{"word":"jade","start":6.96,"end":7.3599997,"confidence":0.9970703,"punctuated_word":"Jade","sentiment":"neutral","sentiment_score":0.2500603497028351},{"word":"on","start":7.3599997,"end":7.52,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2301645874977112},{"word":"the","start":7.52,"end":7.6,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26835858821868896},{"word":"phone","start":7.6,"end":7.9199996,"confidence":0.9975586,"punctuated_word":"phone.","sentiment":"neutral","sentiment_score":0.2398655265569687},{"word":"she","start":7.9199996,"end":8.16,"confidence":1.0,"punctuated_word":"She","sentiment":"neutral","sentiment_score":0.2579653561115265},{"word":"just","start":8.16,"end":8.32,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2188638299703598},{"word":"called","start":8.32,"end":8.639999,"confidence":1.0,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.17377141118049622},{"word":"back","start":8.639999,"end":9.139999,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.20551946759223935},{"word":"for","start":9.2,"end":9.44,"confidence":0.55908203,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.19868673384189608},{"word":"her","start":9.44,"end":9.599999,"confidence":0.99902344,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.2542067766189575},{"word":"annual","start":9.599999,"end":9.92,"confidence":0.63720703,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.27351114153862},{"word":"review","start":9.92,"end":10.42,"confidence":0.99560547,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":0.23149189352989197},{"word":"yeah","start":17.135,"end":17.535,"confidence":0.984375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05957426130771637},{"word":"i","start":17.535,"end":17.855,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06595973670482635},{"word":"picked","start":17.855,"end":18.095001,"confidence":0.9013672,"punctuated_word":"picked","sentiment":"neutral","sentiment_score":0.05353165790438652},{"word":"it","start":18.095001,"end":18.175,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07290983945131302},{"word":"up","start":18.175,"end":18.415,"confidence":0.86083984,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.0755268782377243},{"word":"and","start":18.415,"end":18.575,"confidence":0.875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06716401875019073},{"word":"i","start":18.575,"end":18.655,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08151084184646606},{"word":"was","start":18.655,"end":18.815,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0653793215751648},{"word":"like","start":18.815,"end":19.135,"confidence":0.9543457,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08172214031219482},{"word":"oh","start":19.135,"end":19.295,"confidence":0.9873047,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.1304265856742859},{"word":"yep","start":19.295,"end":19.615,"confidence":0.8470052,"punctuated_word":"yep,","sentiment":"neutral","sentiment_score":0.12436141073703766},{"word":"jay","start":19.615,"end":19.855,"confidence":0.6274414,"punctuated_word":"Jay.","sentiment":"neutral","sentiment_score":0.1230485811829567},{"word":"that's","start":19.855,"end":20.255001,"confidence":0.9790039,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.12433018535375596},{"word":"dana","start":20.255001,"end":20.575,"confidence":0.8671875,"punctuated_word":"Dana.","sentiment":"neutral","sentiment_score":0.1439085304737091},{"word":"so","start":20.575,"end":20.735,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14295245707035065},{"word":"it","start":20.735,"end":20.815,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15664972364902496},{"word":"was","start":20.815,"end":21.055,"confidence":0.9707031,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.1578945517539978},{"word":"sort","start":21.055,"end":21.215,"confidence":0.99121094,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1776745766401291},{"word":"of","start":21.215,"end":21.375,"confidence":0.9243164,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19695547223091123},{"word":"fitting","start":21.375,"end":21.695,"confidence":0.99609375,"punctuated_word":"fitting","sentiment":"neutral","sentiment_score":0.16549065709114075},{"word":"that","start":21.695,"end":21.935001,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22262544929981232},{"word":"i","start":21.935001,"end":22.095001,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1890685111284256},{"word":"picked","start":22.095001,"end":22.335,"confidence":0.99609375,"punctuated_word":"picked","sentiment":"neutral","sentiment_score":0.17524459958076477},{"word":"it","start":22.335,"end":22.415,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15785981714725494},{"word":"up","start":22.415,"end":22.575,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.14310823380947113},{"word":"because","start":22.575,"end":22.895,"confidence":0.9536133,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.17871150374412537},{"word":"it","start":22.895,"end":22.975,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15864591300487518},{"word":"was","start":22.975,"end":23.135,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.13579462468624115},{"word":"your","start":23.135,"end":23.375,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1527675837278366},{"word":"client","start":23.375,"end":23.875,"confidence":0.9975586,"punctuated_word":"client.","sentiment":"neutral","sentiment_score":0.15361332893371582},{"word":"yep","start":29.199999,"end":29.52,"confidence":0.9707031,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11701424419879912},{"word":"no","start":29.52,"end":29.68,"confidence":0.9975586,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.07494983077049255},{"word":"she's","start":29.68,"end":30.0,"confidence":0.99902344,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":0.18395370244979856},{"word":"really","start":30.0,"end":30.16,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.2239533364772797},{"word":"good","start":30.16,"end":30.48,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.17538025975227356},{"word":"she's","start":30.48,"end":30.64,"confidence":1.0,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":0.17574328184127808},{"word":"got","start":30.64,"end":30.8,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.150179922580719},{"word":"a","start":30.8,"end":30.96,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11365978419780733},{"word":"new","start":30.96,"end":31.119999,"confidence":0.99902344,"punctuated_word":"New","sentiment":"neutral","sentiment_score":0.09069115668535233},{"word":"zealand","start":31.119999,"end":31.52,"confidence":1.0,"punctuated_word":"Zealand","sentiment":"neutral","sentiment_score":0.09662307053804398},{"word":"accent","start":31.52,"end":31.92,"confidence":0.9880371,"punctuated_word":"accent,","sentiment":"neutral","sentiment_score":0.1615394949913025},{"word":"i","start":31.92,"end":32.0,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12112439423799516},{"word":"think","start":32.0,"end":32.32,"confidence":0.9562988,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":0.08845369517803192},{"word":"so","start":32.32,"end":32.4,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06613895297050476},{"word":"yep","start":32.48,"end":32.72,"confidence":0.9479167,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.05456674098968506},{"word":"no","start":32.72,"end":32.879997,"confidence":0.9970703,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.014817212708294392},{"word":"she's","start":32.879997,"end":33.12,"confidence":0.9995117,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":0.026598289608955383},{"word":"all","start":33.12,"end":33.28,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.03769737482070923},{"word":"good","start":33.28,"end":33.52,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.22892847657203672},{"word":"she","start":33.52,"end":33.68,"confidence":1.0,"punctuated_word":"She","sentiment":"neutral","sentiment_score":0.15961329638957977},{"word":"had","start":33.68,"end":33.84,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.17193618416786194},{"word":"time","start":33.84,"end":34.0,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1956409513950348},{"word":"to","start":34.0,"end":34.16,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21178758144378665},{"word":"complete","start":34.16,"end":34.559998,"confidence":1.0,"punctuated_word":"complete","sentiment":"neutral","sentiment_score":0.23344439268112183},{"word":"the","start":34.559998,"end":34.72,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25176018476486206},{"word":"call","start":34.72,"end":35.04,"confidence":0.6672363,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.22232532501220703},{"word":"so","start":35.04,"end":35.28,"confidence":0.8635254,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.20633944869041443},{"word":"yep","start":35.28,"end":35.6,"confidence":0.9944661,"punctuated_word":"yep,","sentiment":"neutral","sentiment_score":0.23807530105113983},{"word":"she's","start":35.6,"end":35.92,"confidence":0.9921875,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.2698737382888794},{"word":"ready","start":35.92,"end":36.239998,"confidence":1.0,"punctuated_word":"ready","sentiment":"neutral","sentiment_score":0.2259774953126907},{"word":"for","start":36.239998,"end":36.4,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.19230355322360992},{"word":"you","start":36.4,"end":36.64,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19331052899360657},{"word":"when","start":36.64,"end":36.879997,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.202598437666893},{"word":"you're","start":36.879997,"end":37.12,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.190742164850235},{"word":"ready","start":37.12,"end":37.62,"confidence":0.9995117,"punctuated_word":"ready.","sentiment":"neutral","sentiment_score":0.19843678176403048},{"word":"alright","start":40.895,"end":41.375,"confidence":0.99902344,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.2253669500350952},{"word":"perfect","start":41.375,"end":41.855,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2433479130268097},{"word":"in","start":41.855,"end":42.175,"confidence":1.0,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.09754741191864014},{"word":"321","start":42.175,"end":43.135,"confidence":0.92903644,"punctuated_word":"321,","sentiment":"neutral","sentiment_score":0.07956323772668839},{"word":"you","start":43.135,"end":43.295,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08686783164739609},{"word":"have","start":43.295,"end":43.695,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12063495069742204},{"word":"jade","start":43.695,"end":44.195,"confidence":0.9892578,"punctuated_word":"Jade.","sentiment":"neutral","sentiment_score":0.10534507036209106},{"word":"yes","start":48.254997,"end":48.575,"confidence":0.8010254,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11476615071296692},{"word":"good","start":48.575,"end":48.735,"confidence":0.9902344,"punctuated_word":"Good.","sentiment":"neutral","sentiment_score":0.1988838016986847},{"word":"thanks","start":48.735,"end":49.055,"confidence":0.99902344,"punctuated_word":"Thanks.","sentiment":"neutral","sentiment_score":0.22643986344337463},{"word":"how","start":49.055,"end":49.215,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.12383339554071426},{"word":"are","start":49.215,"end":49.375,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.138809934258461},{"word":"you","start":49.375,"end":49.875,"confidence":0.99853516,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.17255303263664246},{"word":"yes","start":53.66,"end":53.899998,"confidence":0.9160156,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.018309231847524643},{"word":"sorry","start":53.899998,"end":54.399998,"confidence":0.9885254,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.0025789663195610046},{"word":"i","start":55.019997,"end":55.179996,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.012169137597084044},{"word":"had","start":55.179996,"end":55.42,"confidence":0.95410156,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.05426628142595291},{"word":"a","start":55.42,"end":55.5,"confidence":0.8286133,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.084959015250206},{"word":"chuckle","start":55.5,"end":56.0,"confidence":0.6001587,"punctuated_word":"chuckle.","sentiment":"neutral","sentiment_score":-0.036017417907714844},{"word":"yes","start":63.339996,"end":63.839996,"confidence":0.8847656,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.03439166396856308},{"word":"oh","start":75.255,"end":75.415,"confidence":0.7751465,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.02027968317270279},{"word":"no","start":75.415,"end":75.655,"confidence":0.9970703,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.04480414465069771},{"word":"nothing","start":75.655,"end":75.975,"confidence":0.99902344,"punctuated_word":"Nothing","sentiment":"neutral","sentiment_score":-0.05014406889677048},{"word":"in","start":75.975,"end":76.135,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05250726640224457},{"word":"particular","start":76.135,"end":76.635,"confidence":0.99902344,"punctuated_word":"particular.","sentiment":"neutral","sentiment_score":-0.08220463246107101},{"word":"yeah","start":81.03,"end":81.53,"confidence":0.9616699,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.047626495361328125},{"word":"yes","start":81.67,"end":82.149994,"confidence":0.9975586,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05171617865562439},{"word":"yes","start":82.149994,"end":82.649994,"confidence":0.9926758,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11208398640155792},{"word":"yes","start":89.03,"end":89.42999,"confidence":0.98657227,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04358183220028877},{"word":"i","start":89.42999,"end":89.67,"confidence":0.97998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0458962619304657},{"word":"do","start":89.67,"end":90.17,"confidence":0.9995117,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.06903840601444244},{"word":"yep","start":98.165,"end":98.665,"confidence":0.9736328,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2650672197341919},{"word":"yep","start":106.0,"end":106.5,"confidence":0.8195801,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09604179859161376},{"word":"okay","start":113.439995,"end":113.939995,"confidence":0.9921875,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.19485387206077576},{"word":"yeah","start":118.705,"end":118.945,"confidence":0.82250977,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2683916687965393},{"word":"it's","start":118.945,"end":119.104996,"confidence":0.9951172,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.3814583420753479},{"word":"been","start":119.104996,"end":119.424995,"confidence":0.9980469,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.3930231034755707},{"word":"fun","start":119.424995,"end":119.825,"confidence":0.96313477,"punctuated_word":"fun.","sentiment":"positive","sentiment_score":0.3949434757232666},{"word":"yeah","start":119.825,"end":120.325,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15890373289585114},{"word":"just","start":120.384995,"end":120.625,"confidence":0.73779297,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.09197142720222472},{"word":"been","start":120.625,"end":120.784996,"confidence":0.6230469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.05874025076627731},{"word":"at","start":120.784996,"end":120.945,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0575144961476326},{"word":"work","start":120.945,"end":121.265,"confidence":0.9042969,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":0.08559608459472656},{"word":"so","start":121.265,"end":121.585,"confidence":0.8125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06951048970222473},{"word":"yeah","start":121.665,"end":122.165,"confidence":0.87646484,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.10182252526283264},{"word":"so","start":134.13,"end":134.61,"confidence":0.90771484,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.012483585625886915},{"word":"we","start":134.61,"end":135.01,"confidence":0.9902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0072063859552145},{"word":"have","start":135.01,"end":135.25,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.00035754404962062836},{"word":"actually","start":135.25,"end":135.75,"confidence":0.9604492,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.009711014106869698},{"word":"for","start":136.29,"end":136.53,"confidence":0.55078125,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.008209172636270523},{"word":"my","start":136.53,"end":136.61,"confidence":0.9970703,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.0025280341506004333},{"word":"husband","start":136.61,"end":136.93,"confidence":1.0,"punctuated_word":"husband","sentiment":"neutral","sentiment_score":0.00479867123067379},{"word":"now","start":136.93,"end":137.09,"confidence":0.77905273,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.016110338270664215},{"word":"we","start":137.09,"end":137.33,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.018123380839824677},{"word":"purchased","start":137.33,"end":137.83,"confidence":0.6611328,"punctuated_word":"purchased","sentiment":"neutral","sentiment_score":0.020225463435053825},{"word":"a","start":137.97,"end":138.13,"confidence":0.9658203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.026375804096460342},{"word":"second","start":138.13,"end":138.63,"confidence":0.9770508,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.027794159948825836},{"word":"investment","start":139.17,"end":139.65,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.017988622188568115},{"word":"property","start":139.65,"end":140.15,"confidence":0.9909668,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.03043164126574993},{"word":"oh","start":160.965,"end":161.28499,"confidence":0.7751465,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.01178449671715498},{"word":"sorry","start":161.28499,"end":161.765,"confidence":0.9926758,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.03157372772693634},{"word":"sorry","start":161.765,"end":162.245,"confidence":0.99902344,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.041776470839977264},{"word":"okay","start":162.245,"end":162.745,"confidence":0.9970703,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.014065086841583252},{"word":"no","start":163.22,"end":163.37999,"confidence":0.99121094,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05084746330976486},{"word":"sorry","start":163.37999,"end":163.86,"confidence":0.99658203,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.06893572211265564},{"word":"the","start":163.86,"end":164.01999,"confidence":0.9980469,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.0727003961801529},{"word":"carathe","start":164.01999,"end":164.42,"confidence":0.2662964,"punctuated_word":"Carathe","sentiment":"neutral","sentiment_score":-0.06393711268901825},{"word":"one","start":164.42,"end":164.65999,"confidence":0.9902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.06188344210386276},{"word":"was","start":164.65999,"end":164.9,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.0711757019162178},{"word":"the","start":164.9,"end":164.98,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06785376369953156},{"word":"one","start":164.98,"end":165.22,"confidence":0.8901367,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.05048735067248344},{"word":"i","start":165.22,"end":165.45999,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07258822023868561},{"word":"i","start":165.45999,"end":165.54,"confidence":0.89501953,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0844777524471283},{"word":"didn't","start":165.54,"end":165.93999,"confidence":0.9995117,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.07273606210947037},{"word":"realize","start":165.93999,"end":166.42,"confidence":0.9941406,"punctuated_word":"realize","sentiment":"neutral","sentiment_score":-0.09182678163051604},{"word":"we","start":166.42,"end":166.65999,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.08854521811008453},{"word":"had","start":166.65999,"end":167.15999,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.11946876347064972},{"word":"challenged","start":167.7,"end":168.09999,"confidence":0.40893555,"punctuated_word":"challenged","sentiment":"neutral","sentiment_score":-0.06715280562639236},{"word":"because","start":168.09999,"end":168.42,"confidence":0.5551758,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.10211048275232316},{"word":"when","start":168.42,"end":168.65999,"confidence":0.9873047,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.096329964697361},{"word":"you","start":168.65999,"end":168.73999,"confidence":0.76953125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06638731807470322},{"word":"said","start":168.73999,"end":168.98,"confidence":0.99609375,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.05901150032877922},{"word":"annual","start":168.98,"end":169.29999,"confidence":0.9345703,"punctuated_word":"annual,","sentiment":"neutral","sentiment_score":-0.0653986930847168},{"word":"i","start":169.29999,"end":169.37999,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.091027669608593},{"word":"thought","start":169.37999,"end":169.62,"confidence":0.9382324,"punctuated_word":"thought,","sentiment":"neutral","sentiment_score":-0.06092962622642517},{"word":"oh","start":169.62,"end":169.7,"confidence":0.98779297,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.06018318235874176},{"word":"it","start":169.7,"end":169.78,"confidence":0.98291016,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05087006837129593},{"word":"was","start":169.78,"end":170.01999,"confidence":0.8852539,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.055926647037267685},{"word":"last","start":170.01999,"end":170.26,"confidence":0.9980469,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.03861934691667557},{"word":"year","start":170.26,"end":170.5,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.04250653088092804},{"word":"before","start":170.5,"end":170.9,"confidence":0.9902344,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.07471343129873276},{"word":"we","start":170.9,"end":171.14,"confidence":0.9838867,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.08078975975513458},{"word":"bought","start":171.14,"end":171.37999,"confidence":0.9667969,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":-0.04284246265888214},{"word":"the","start":171.37999,"end":171.45999,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.060548387467861176},{"word":"property","start":171.45999,"end":171.78,"confidence":0.7741699,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":-0.05156004801392555},{"word":"but","start":171.78,"end":171.93999,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.04525981470942497},{"word":"no","start":171.93999,"end":172.09999,"confidence":0.7116699,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.07843542098999023},{"word":"no","start":172.09999,"end":172.18,"confidence":0.9941406,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09121359884738922},{"word":"no","start":172.18,"end":172.34,"confidence":0.82543945,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10018473863601685},{"word":"that's","start":172.34,"end":172.65999,"confidence":0.97216797,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.07333725690841675},{"word":"that's","start":172.65999,"end":172.98,"confidence":0.7624512,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.05366681516170502},{"word":"correct","start":172.98,"end":173.48,"confidence":0.99902344,"punctuated_word":"correct.","sentiment":"neutral","sentiment_score":-0.033708490431308746},{"word":"yeah","start":174.18,"end":174.68,"confidence":0.9914551,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05817105248570442},{"word":"yeah","start":183.535,"end":183.935,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.001110757701098919},{"word":"not","start":183.935,"end":184.255,"confidence":0.99121094,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.05321117490530014},{"word":"not","start":184.255,"end":184.41501,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.07278893142938614},{"word":"at","start":184.41501,"end":184.655,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06900066137313843},{"word":"this","start":184.655,"end":184.895,"confidence":0.9086914,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.0872565507888794},{"word":"stage","start":184.895,"end":185.135,"confidence":0.99121094,"punctuated_word":"stage.","sentiment":"neutral","sentiment_score":-0.08582955598831177},{"word":"we're","start":185.135,"end":185.455,"confidence":0.99902344,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.05451646447181702},{"word":"we're","start":185.455,"end":185.695,"confidence":0.9980469,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.02643423341214657},{"word":"actually","start":185.695,"end":186.015,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.01879584789276123},{"word":"in","start":186.015,"end":186.255,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.01297977939248085},{"word":"the","start":186.255,"end":186.41501,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.010547440499067308},{"word":"process","start":186.41501,"end":186.91501,"confidence":0.99902344,"punctuated_word":"process","sentiment":"neutral","sentiment_score":0.0013626404106616974},{"word":"of","start":187.05501,"end":187.295,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.003174778074026108},{"word":"putting","start":187.295,"end":187.615,"confidence":0.98291016,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.001079825684428215},{"word":"a","start":187.615,"end":187.775,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.008464362472295761},{"word":"granny","start":187.775,"end":188.255,"confidence":0.9980469,"punctuated_word":"granny","sentiment":"neutral","sentiment_score":-0.013815857470035551},{"word":"flat","start":188.255,"end":188.575,"confidence":0.99609375,"punctuated_word":"flat","sentiment":"neutral","sentiment_score":0.019099947065114975},{"word":"on","start":188.575,"end":189.075,"confidence":0.9951172,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.016428057104349136},{"word":"our","start":189.51,"end":190.01,"confidence":0.8935547,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.012909315526485445},{"word":"owner","start":190.06999,"end":190.56999,"confidence":0.94384766,"punctuated_word":"owner","sentiment":"neutral","sentiment_score":0.02089684084057808},{"word":"occupied","start":190.59,"end":191.09,"confidence":0.9980469,"punctuated_word":"occupied","sentiment":"neutral","sentiment_score":0.022731689736247063},{"word":"house","start":191.11,"end":191.51,"confidence":0.9536133,"punctuated_word":"house","sentiment":"neutral","sentiment_score":0.023714985698461533},{"word":"for","start":191.51,"end":191.67,"confidence":0.98828125,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.005193270742893219},{"word":"my","start":191.67,"end":191.98999,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.012834746390581133},{"word":"in","start":191.98999,"end":192.15,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01351313665509224},{"word":"laws","start":192.15,"end":192.65,"confidence":0.9909668,"punctuated_word":"laws.","sentiment":"neutral","sentiment_score":0.009227946400642397},{"word":"yeah","start":198.15,"end":198.65,"confidence":0.9736328,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13373246788978577},{"word":"yeah","start":206.85501,"end":207.35501,"confidence":0.80126953,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09054215252399445},{"word":"yeah","start":226.07,"end":226.47,"confidence":0.9404297,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.027854884043335915},{"word":"not","start":226.47,"end":226.71,"confidence":0.99121094,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.08816541731357574},{"word":"not","start":226.71,"end":226.95001,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.10452397167682648},{"word":"at","start":226.95001,"end":227.11,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.114283949136734},{"word":"the","start":227.11,"end":227.27,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0796722024679184},{"word":"moment","start":227.27,"end":227.67001,"confidence":0.9970703,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.14173553884029388},{"word":"it's","start":227.67001,"end":227.99,"confidence":0.9926758,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.08839192986488342},{"word":"a","start":227.99,"end":228.07,"confidence":0.5834961,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04691339656710625},{"word":"yeah","start":228.15001,"end":228.39,"confidence":0.9946289,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.036697499454021454},{"word":"it's","start":228.39,"end":228.71,"confidence":0.9914551,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.04639279097318649},{"word":"it's","start":228.71,"end":228.95001,"confidence":0.9863281,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.04252421110868454},{"word":"further","start":228.95001,"end":229.35,"confidence":0.9550781,"punctuated_word":"further","sentiment":"neutral","sentiment_score":-0.03318723291158676},{"word":"down","start":229.35,"end":229.83,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.031149890273809433},{"word":"the","start":229.83,"end":230.07,"confidence":0.75634766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05211634188890457},{"word":"track","start":230.07,"end":230.57,"confidence":0.99365234,"punctuated_word":"track.","sentiment":"neutral","sentiment_score":-0.0647561252117157},{"word":"no","start":241.485,"end":241.725,"confidence":0.9885254,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04571045935153961},{"word":"it","start":241.725,"end":241.885,"confidence":0.96875,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.019816815853118896},{"word":"would","start":241.885,"end":242.045,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.0109041016548872},{"word":"be","start":242.045,"end":242.545,"confidence":0.8198242,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":-0.032850202172994614},{"word":"yeah","start":242.765,"end":243.005,"confidence":0.9482422,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.04273492842912674},{"word":"just","start":243.005,"end":243.325,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03443102911114693},{"word":"furthering","start":243.325,"end":243.825,"confidence":0.9970703,"punctuated_word":"furthering","sentiment":"neutral","sentiment_score":-0.01868024840950966},{"word":"my","start":243.965,"end":244.205,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.020038792863488197},{"word":"current","start":244.205,"end":244.705,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.03447718545794487},{"word":"qualifications","start":246.09999,"end":246.18,"confidence":0.7626953,"punctuated_word":"qualifications.","sentiment":"neutral","sentiment_score":-0.04609179496765137},{"word":"so","start":246.18,"end":246.68,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.00314483605325222},{"word":"i'm","start":247.54,"end":247.7,"confidence":0.8552246,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.167519211769104},{"word":"a","start":247.7,"end":247.94,"confidence":0.7998047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17692485451698303},{"word":"psychologist","start":247.94,"end":248.44,"confidence":0.7609863,"punctuated_word":"psychologist,","sentiment":"neutral","sentiment_score":0.18190479278564453},{"word":"so","start":249.54,"end":249.94,"confidence":0.79052734,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.06598953902721405},{"word":"it's","start":249.94,"end":250.22,"confidence":0.91748047,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.09586580097675323},{"word":"which","start":250.5,"end":250.66,"confidence":0.56884766,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.11891643702983856},{"word":"would","start":250.66,"end":250.9,"confidence":0.9873047,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.08964141458272934},{"word":"just","start":250.9,"end":251.06,"confidence":0.97802734,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09618373960256577},{"word":"be","start":251.06,"end":251.37999,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1327083855867386},{"word":"furthering","start":251.37999,"end":251.86,"confidence":0.99902344,"punctuated_word":"furthering","sentiment":"neutral","sentiment_score":0.09771841764450072},{"word":"that","start":251.86,"end":252.09999,"confidence":0.99853516,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.16641131043434143},{"word":"yep","start":252.09999,"end":252.59999,"confidence":0.90893555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11050496995449066},{"word":"no","start":263.64502,"end":263.96503,"confidence":0.9633789,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06489266455173492},{"word":"it's","start":263.96503,"end":264.285,"confidence":0.9645996,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.05171668529510498},{"word":"still","start":264.285,"end":264.605,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.05834940820932388},{"word":"that's","start":264.765,"end":265.165,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.04545125365257263},{"word":"pretty","start":265.165,"end":265.48502,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.016323085874319077},{"word":"much","start":265.48502,"end":265.64502,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.01208474114537239},{"word":"what","start":265.64502,"end":265.885,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.019337832927703857},{"word":"it's","start":265.885,"end":266.045,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.025246720761060715},{"word":"sitting","start":266.045,"end":266.285,"confidence":0.9941406,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.011155497282743454},{"word":"at","start":266.285,"end":266.52502,"confidence":0.9941406,"punctuated_word":"at.","sentiment":"neutral","sentiment_score":-0.007940569892525673},{"word":"yep","start":266.52502,"end":267.02502,"confidence":0.83862305,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.031136227771639824},{"word":"okay","start":282.19998,"end":282.52,"confidence":0.79711914,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.03712809830904007},{"word":"i've","start":282.52,"end":282.91998,"confidence":0.9855957,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.048302970826625824},{"word":"i've","start":282.91998,"end":283.15997,"confidence":0.98950195,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.08346780389547348},{"word":"got","start":283.15997,"end":283.4,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.0903608500957489},{"word":"it","start":283.4,"end":283.71997,"confidence":0.99609375,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.08330143988132477},{"word":"it's","start":283.71997,"end":283.96,"confidence":0.97631836,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.03394761681556702},{"word":"definitely","start":283.96,"end":284.46,"confidence":0.9951172,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":-0.022703133523464203},{"word":"come","start":284.52,"end":284.75998,"confidence":0.9970703,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.03415243327617645},{"word":"through","start":284.75998,"end":285.25998,"confidence":0.9909668,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":-0.030058128759264943},{"word":"yes","start":286.485,"end":286.985,"confidence":0.9482422,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.04375232756137848},{"word":"okay","start":290.32498,"end":290.805,"confidence":0.890625,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.1222008764743805},{"word":"no","start":290.805,"end":291.04498,"confidence":0.9177246,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.15673744678497314},{"word":"it's","start":291.04498,"end":291.125,"confidence":0.8769531,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.16888932883739471},{"word":"definitely","start":291.125,"end":291.365,"confidence":0.9873047,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":-0.13607345521450043},{"word":"it's","start":291.60498,"end":291.76498,"confidence":0.99121094,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1474754512310028},{"word":"come","start":291.76498,"end":292.005,"confidence":0.9951172,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.1197977364063263},{"word":"through","start":292.005,"end":292.32498,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.10867563635110856},{"word":"have","start":292.485,"end":292.725,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.15401777625083923},{"word":"you","start":292.725,"end":292.805,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.15280431509017944},{"word":"tried","start":292.805,"end":293.125,"confidence":0.99902344,"punctuated_word":"tried","sentiment":"neutral","sentiment_score":-0.1494792997837067},{"word":"three","start":293.125,"end":293.285,"confidence":0.9873047,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.1545395702123642},{"word":"times","start":293.285,"end":293.525,"confidence":0.81347656,"punctuated_word":"times?","sentiment":"neutral","sentiment_score":-0.14302915334701538},{"word":"because","start":293.525,"end":293.76498,"confidence":0.9707031,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.14425401389598846},{"word":"it's","start":293.76498,"end":293.845,"confidence":0.96850586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1551131010055542},{"word":"come","start":293.845,"end":294.085,"confidence":0.90283203,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.1343932747840881},{"word":"through","start":294.085,"end":294.32498,"confidence":0.96240234,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.11713255941867828},{"word":"three","start":294.32498,"end":294.565,"confidence":0.8154297,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.1440836638212204},{"word":"times","start":294.565,"end":295.065,"confidence":0.99609375,"punctuated_word":"times.","sentiment":"neutral","sentiment_score":-0.16019147634506226},{"word":"yep","start":297.925,"end":298.425,"confidence":0.8059082,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.04150459170341492},{"word":"definitely","start":304.89,"end":305.39,"confidence":0.9536133,"punctuated_word":"Definitely","sentiment":"neutral","sentiment_score":0.12733620405197144},{"word":"come","start":305.45,"end":305.69,"confidence":0.9326172,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.08515693247318268},{"word":"through","start":305.69,"end":305.93,"confidence":0.9638672,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.15332481265068054},{"word":"yes","start":305.93,"end":306.17,"confidence":0.81396484,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.030658230185508728},{"word":"sorry","start":306.17,"end":306.49,"confidence":0.9807129,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.020265627652406693},{"word":"i","start":306.49,"end":306.57,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.039423927664756775},{"word":"should","start":306.57,"end":306.81,"confidence":0.99902344,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.03615885227918625},{"word":"have","start":306.81,"end":306.97,"confidence":0.640625,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.04526976495981216},{"word":"said","start":306.97,"end":307.47,"confidence":0.7697754,"punctuated_word":"said.","sentiment":"neutral","sentiment_score":-0.029357079416513443},{"word":"so","start":309.37,"end":309.87,"confidence":0.6635742,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12197258323431016},{"word":"okay","start":312.7225,"end":312.795,"confidence":0.9970703,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.10389778017997742},{"word":"so","start":313.11502,"end":313.27502,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0672224760055542},{"word":"the","start":313.27502,"end":313.515,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07637099921703339},{"word":"one","start":313.515,"end":313.755,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06968419998884201},{"word":"that","start":313.755,"end":313.99503,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05654996633529663},{"word":"i","start":313.99503,"end":314.075,"confidence":0.7949219,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06740365922451019},{"word":"well","start":314.23502,"end":314.475,"confidence":0.98413086,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.06489706039428711},{"word":"the","start":314.475,"end":314.71503,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07158457487821579},{"word":"the","start":314.71503,"end":314.795,"confidence":0.7089844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16898898780345917},{"word":"thing","start":314.795,"end":315.035,"confidence":0.9980469,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.2093621790409088},{"word":"that","start":315.035,"end":315.195,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.011810444295406342},{"word":"i'm","start":315.195,"end":315.355,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.02103679440915585},{"word":"looking","start":315.355,"end":315.755,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.016529563814401627},{"word":"at","start":315.755,"end":316.075,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.013055738061666489},{"word":"is","start":316.075,"end":316.39502,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.016543637961149216},{"word":"the","start":316.39502,"end":316.55502,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02454204671084881},{"word":"signing","start":316.55502,"end":317.05502,"confidence":0.8432617,"punctuated_word":"signing","sentiment":"neutral","sentiment_score":0.013049477711319923},{"word":"page","start":317.195,"end":317.515,"confidence":0.89868164,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.02106284163892269},{"word":"but","start":317.515,"end":317.67502,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.006817499175667763},{"word":"then","start":317.67502,"end":317.915,"confidence":0.9921875,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.004408449865877628},{"word":"there's","start":317.915,"end":318.155,"confidence":0.98095703,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.005229804664850235},{"word":"attachments","start":318.155,"end":318.51,"confidence":0.9921875,"punctuated_word":"attachments","sentiment":"neutral","sentiment_score":-0.0037030959501862526},{"word":"as","start":318.51,"end":318.86502,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.003859221935272217},{"word":"well","start":318.86502,"end":319.11502,"confidence":0.9914551,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.002939421683549881},{"word":"mhmm","start":319.11502,"end":319.61502,"confidence":0.9234619,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.006042041815817356},{"word":"yes","start":327.755,"end":328.255,"confidence":0.9604492,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06331359595060349},{"word":"yes","start":333.0,"end":333.16,"confidence":0.9692383,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05903146415948868},{"word":"yes","start":333.16,"end":333.66,"confidence":0.9519043,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08220800757408142},{"word":"no","start":335.8,"end":336.3,"confidence":0.6795654,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07727600634098053},{"word":"yep","start":342.6,"end":343.1,"confidence":0.9321289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1644531935453415},{"word":"yep","start":352.08502,"end":352.58502,"confidence":0.8937988,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.5776264071464539},{"word":"yep","start":354.325,"end":354.825,"confidence":0.7741699,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12745517492294312},{"word":"yep","start":355.045,"end":355.545,"confidence":0.68774414,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03974345326423645},{"word":"yeah","start":358.0,"end":358.4,"confidence":0.95996094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0032716179266572},{"word":"i","start":358.4,"end":358.63998,"confidence":0.97314453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.002998683601617813},{"word":"do","start":358.63998,"end":359.13998,"confidence":0.98095703,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.002224707044661045},{"word":"i","start":359.19998,"end":359.69998,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0035659000277519226},{"word":"i","start":360.0,"end":360.24,"confidence":0.92578125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.029817646369338036},{"word":"do","start":360.24,"end":360.56,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03298860043287277},{"word":"i","start":360.56,"end":360.72,"confidence":0.9633789,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.042394060641527176},{"word":"do","start":360.72,"end":360.88,"confidence":0.9941406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05306702107191086},{"word":"log","start":360.88,"end":361.12,"confidence":0.93408203,"punctuated_word":"log","sentiment":"neutral","sentiment_score":0.027883414179086685},{"word":"in","start":361.12,"end":361.36,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04303557425737381},{"word":"from","start":361.36,"end":361.52,"confidence":0.9760742,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.05364161357283592},{"word":"time","start":361.52,"end":361.75998,"confidence":0.9951172,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.06294476985931396},{"word":"to","start":361.75998,"end":361.84,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.056029003113508224},{"word":"time","start":361.84,"end":362.24,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.042851969599723816},{"word":"to","start":362.24,"end":362.4,"confidence":0.9760742,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.040476731956005096},{"word":"keep","start":362.4,"end":362.63998,"confidence":0.99316406,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.06132065877318382},{"word":"an","start":362.63998,"end":362.8,"confidence":0.9863281,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.04007653519511223},{"word":"eye","start":362.8,"end":362.96,"confidence":0.92578125,"punctuated_word":"eye","sentiment":"neutral","sentiment_score":0.05989035218954086},{"word":"on","start":362.96,"end":363.03998,"confidence":0.9921875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.056894417852163315},{"word":"it","start":363.03998,"end":363.19998,"confidence":0.9033203,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.05893339961767197},{"word":"yes","start":363.19998,"end":363.52,"confidence":0.78930664,"punctuated_word":"Yes,","sentiment":"neutral","sentiment_score":0.0877220630645752},{"word":"sir","start":363.52,"end":363.68,"confidence":0.9946289,"punctuated_word":"sir.","sentiment":"neutral","sentiment_score":0.05682068690657616},{"word":"actually","start":363.68,"end":364.18,"confidence":0.9428711,"punctuated_word":"Actually,","sentiment":"neutral","sentiment_score":0.03249398246407509},{"word":"funny","start":365.84,"end":366.16,"confidence":0.68896484,"punctuated_word":"funny","sentiment":"neutral","sentiment_score":0.031635627150535583},{"word":"enough","start":366.16,"end":366.47998,"confidence":0.98828125,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.02198627032339573},{"word":"well","start":366.63998,"end":366.96,"confidence":0.9926758,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.03103729709982872},{"word":"obviously","start":366.96,"end":367.36,"confidence":0.9724121,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.042554017156362534},{"word":"because","start":367.36,"end":367.68,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.06460302323102951},{"word":"we","start":367.68,"end":367.84,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05374668911099434},{"word":"were","start":367.84,"end":368.0,"confidence":0.9980469,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.06584027409553528},{"word":"having","start":368.0,"end":368.32,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.06472203135490417},{"word":"this","start":368.32,"end":368.595,"confidence":0.98828125,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.06436316668987274},{"word":"annual","start":370.115,"end":370.515,"confidence":0.9892578,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.04340335354208946},{"word":"review","start":370.515,"end":371.015,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.05399595573544502},{"word":"chat","start":371.155,"end":371.635,"confidence":0.8034668,"punctuated_word":"chat,","sentiment":"neutral","sentiment_score":0.03210838884115219},{"word":"i","start":371.635,"end":371.955,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03433150053024292},{"word":"i","start":371.955,"end":372.115,"confidence":0.95703125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.034570615738630295},{"word":"went","start":372.115,"end":372.435,"confidence":0.9980469,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.030561553314328194},{"word":"on","start":372.435,"end":372.515,"confidence":0.9291992,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.01886922307312489},{"word":"and","start":372.515,"end":372.675,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02089465968310833},{"word":"had","start":372.675,"end":372.835,"confidence":0.9980469,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.02298160083591938},{"word":"a","start":372.835,"end":372.915,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.020129306241869926},{"word":"look","start":372.915,"end":373.155,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.024457691237330437},{"word":"and","start":373.155,"end":373.655,"confidence":0.91015625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.022929776459932327},{"word":"noticed","start":373.875,"end":374.375,"confidence":0.97802734,"punctuated_word":"noticed","sentiment":"neutral","sentiment_score":-0.0033679530024528503},{"word":"that","start":374.595,"end":374.995,"confidence":0.52490234,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.003027677536010742},{"word":"the","start":374.995,"end":375.315,"confidence":0.96972656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.036344949156045914},{"word":"graph","start":375.315,"end":375.815,"confidence":0.9760742,"punctuated_word":"graph","sentiment":"neutral","sentiment_score":-0.02055833116173744},{"word":"over","start":376.595,"end":376.835,"confidence":0.8520508,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.02371934801340103},{"word":"the","start":376.835,"end":376.995,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03425830602645874},{"word":"last","start":376.995,"end":377.315,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.03836432844400406},{"word":"sort","start":377.315,"end":377.475,"confidence":0.92333984,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.013819262385368347},{"word":"of","start":377.475,"end":377.635,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.033632732927799225},{"word":"six","start":377.635,"end":377.875,"confidence":0.9970703,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.019774381071329117},{"word":"months","start":377.875,"end":378.275,"confidence":0.99902344,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.03770368546247482},{"word":"and","start":378.275,"end":378.595,"confidence":0.93359375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.029473546892404556},{"word":"how","start":378.595,"end":379.095,"confidence":0.9980469,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.03335192799568176},{"word":"it","start":379.715,"end":379.875,"confidence":0.97509766,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06433452665805817},{"word":"kinda","start":379.875,"end":380.275,"confidence":0.91259766,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.04444264620542526},{"word":"dipped","start":380.275,"end":380.595,"confidence":0.98095703,"punctuated_word":"dipped","sentiment":"neutral","sentiment_score":-0.057369403541088104},{"word":"around","start":380.595,"end":380.995,"confidence":0.99902344,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.09286804497241974},{"word":"the","start":380.995,"end":381.495,"confidence":0.9667969,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08028221130371094},{"word":"whole","start":382.45,"end":382.85,"confidence":0.9584961,"punctuated_word":"whole,","sentiment":"neutral","sentiment_score":-0.08705063164234161},{"word":"like","start":382.85,"end":383.33002,"confidence":0.98999023,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.10546722263097764},{"word":"iran","start":383.33002,"end":383.73,"confidence":0.9980469,"punctuated_word":"Iran","sentiment":"neutral","sentiment_score":-0.11215192079544067},{"word":"war","start":383.73,"end":384.21002,"confidence":0.9428711,"punctuated_word":"war","sentiment":"neutral","sentiment_score":-0.09674008190631866},{"word":"saga","start":384.21002,"end":384.71002,"confidence":0.6989746,"punctuated_word":"saga,","sentiment":"neutral","sentiment_score":-0.068256676197052},{"word":"you","start":384.77002,"end":385.09,"confidence":0.5083008,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05722103267908096},{"word":"know","start":385.09,"end":385.33002,"confidence":0.9946289,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.06833440810441971},{"word":"fuel","start":385.33002,"end":385.57,"confidence":0.8432617,"punctuated_word":"fuel","sentiment":"neutral","sentiment_score":-0.05635415017604828},{"word":"saga","start":385.57,"end":386.07,"confidence":0.75756836,"punctuated_word":"saga.","sentiment":"neutral","sentiment_score":-0.01932029239833355},{"word":"but","start":387.01,"end":387.17,"confidence":0.97802734,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.051303550601005554},{"word":"that","start":387.17,"end":387.41,"confidence":0.7973633,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.071011021733284},{"word":"it's","start":387.41,"end":387.57,"confidence":0.8195801,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.056704144924879074},{"word":"actually","start":387.57,"end":387.89,"confidence":0.9951172,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.05807168036699295},{"word":"gone","start":387.89,"end":388.13,"confidence":0.89501953,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.07673550397157669},{"word":"back","start":388.13,"end":388.37,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.15502041578292847},{"word":"up","start":388.37,"end":388.45,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.31960248947143555},{"word":"again","start":388.45,"end":388.93,"confidence":0.76220703,"punctuated_word":"again.","sentiment":"positive","sentiment_score":0.3539101481437683},{"word":"so","start":388.93,"end":389.09,"confidence":0.9951172,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.6022845506668091},{"word":"that's","start":389.09,"end":389.33002,"confidence":1.0,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.5412369966506958},{"word":"quite","start":389.33002,"end":389.83002,"confidence":1.0,"punctuated_word":"quite","sentiment":"positive","sentiment_score":0.531233549118042},{"word":"positive","start":390.45,"end":390.95,"confidence":0.96728516,"punctuated_word":"positive.","sentiment":"positive","sentiment_score":0.3939025998115539},{"word":"so","start":391.25,"end":391.41,"confidence":0.6977539,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3680316209793091},{"word":"yeah","start":391.49002,"end":391.99002,"confidence":0.9970703,"punctuated_word":"yeah.","sentiment":"positive","sentiment_score":0.3890641331672669},{"word":"yep","start":407.60498,"end":408.10498,"confidence":0.89331055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.03722238540649414},{"word":"yeah","start":414.21002,"end":414.71002,"confidence":0.91625977,"punctuated_word":"Yeah.","sentiment":"negative","sentiment_score":-0.3779788613319397},{"word":"yeah","start":432.965,"end":433.465,"confidence":0.8869629,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03401903808116913},{"word":"yeah","start":443.86002,"end":443.94,"confidence":0.9519043,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02895512618124485},{"word":"yeah","start":443.94,"end":444.44,"confidence":0.9255371,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03219415992498398},{"word":"yeah","start":456.005,"end":456.505,"confidence":0.7663574,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1823735535144806},{"word":"mhmm","start":461.925,"end":462.425,"confidence":0.9802246,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.08398044109344482},{"word":"yes","start":469.5,"end":470.0,"confidence":0.9770508,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10223962366580965},{"word":"yep","start":484.55502,"end":485.05502,"confidence":0.89990234,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.49106892943382263},{"word":"yep","start":493.72998,"end":494.22998,"confidence":0.95214844,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18305853009223935},{"word":"yep","start":497.33,"end":497.83,"confidence":0.7546387,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09833210706710815},{"word":"mhmm","start":503.72998,"end":504.22998,"confidence":0.99572754,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.012216158211231232},{"word":"yep","start":515.345,"end":515.845,"confidence":0.78637695,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.022661572322249413},{"word":"mhmm","start":526.99,"end":527.49,"confidence":0.95617676,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.011978195048868656},{"word":"yeah","start":537.295,"end":537.795,"confidence":0.9160156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.026499055325984955},{"word":"yes","start":558.22003,"end":558.72003,"confidence":0.77490234,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.10671113431453703},{"word":"yes","start":565.955,"end":566.455,"confidence":0.90185547,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.09110518544912338},{"word":"i'm","start":588.90497,"end":589.14496,"confidence":0.8286133,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.025569606572389603},{"word":"wondering","start":589.14496,"end":589.64496,"confidence":0.99609375,"punctuated_word":"wondering","sentiment":"neutral","sentiment_score":-0.015918787568807602},{"word":"so","start":593.545,"end":593.785,"confidence":0.9633789,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.06325940787792206},{"word":"yeah","start":593.945,"end":594.105,"confidence":0.99658203,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.05984064191579819},{"word":"because","start":594.105,"end":594.425,"confidence":0.99316406,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.1121928244829178},{"word":"i'm","start":594.425,"end":594.665,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1490975320339203},{"word":"i'm","start":594.665,"end":594.82495,"confidence":0.984375,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1619844138622284},{"word":"not","start":594.82495,"end":595.14496,"confidence":0.9543457,"punctuated_word":"not,","sentiment":"neutral","sentiment_score":-0.2149367034435272},{"word":"like","start":595.14496,"end":595.64496,"confidence":1.0,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.23164528608322144},{"word":"super","start":595.865,"end":596.365,"confidence":0.9980469,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.21578766405582428},{"word":"knowledgeable","start":597.305,"end":597.805,"confidence":0.9589844,"punctuated_word":"knowledgeable","sentiment":"neutral","sentiment_score":-0.2624817192554474},{"word":"about","start":598.985,"end":599.485,"confidence":0.8535156,"punctuated_word":"about,","sentiment":"neutral","sentiment_score":-0.15193913877010343},{"word":"you","start":599.785,"end":599.945,"confidence":0.9604492,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.22309190034866333},{"word":"know","start":599.945,"end":600.26495,"confidence":0.99609375,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.20299163460731504},{"word":"that","start":600.26495,"end":600.505,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.17783333361148834},{"word":"that","start":600.505,"end":600.745,"confidence":0.9892578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.16662144660949707},{"word":"kind","start":600.745,"end":601.065,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.15663397312164307},{"word":"of","start":601.065,"end":601.225,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.19096286594867704},{"word":"thing","start":601.225,"end":601.545,"confidence":0.99365234,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.16795305907726288},{"word":"i","start":601.545,"end":601.625,"confidence":0.9370117,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1222582459449768},{"word":"mean","start":601.625,"end":601.785,"confidence":0.9980469,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.08404965698719025},{"word":"obviously","start":601.785,"end":602.285,"confidence":0.99194336,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.03931264206767082},{"word":"yes","start":602.345,"end":602.58496,"confidence":0.81103516,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.007689465768635273},{"word":"i","start":602.58496,"end":602.745,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.023391544818878177},{"word":"can","start":602.745,"end":602.985,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.002784512937068939},{"word":"see","start":602.985,"end":603.305,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.00038627907633781433},{"word":"that","start":603.305,"end":603.63,"confidence":0.9838867,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.04127991944551468},{"word":"you","start":603.79,"end":603.95,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04377942532300949},{"word":"know","start":603.95,"end":604.45,"confidence":0.98950195,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.032606903463602066},{"word":"percentage","start":605.39,"end":605.89,"confidence":0.94628906,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":-0.019350219517946243},{"word":"wise","start":605.95,"end":606.19,"confidence":0.8730469,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":-0.09935256838798524},{"word":"it's","start":606.19,"end":606.35,"confidence":0.82592773,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.13506025075912476},{"word":"it","start":606.67,"end":606.83,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1723017543554306},{"word":"was","start":606.83,"end":607.33,"confidence":0.98828125,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.18990904092788696},{"word":"a","start":607.63,"end":607.79,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.22373440861701965},{"word":"loss","start":607.79,"end":608.29,"confidence":0.76171875,"punctuated_word":"loss","sentiment":"neutral","sentiment_score":-0.23909571766853333},{"word":"compared","start":608.75,"end":609.23,"confidence":0.94189453,"punctuated_word":"compared","sentiment":"neutral","sentiment_score":-0.24415966868400577},{"word":"to","start":609.23,"end":609.39,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2110176384449005},{"word":"everything","start":609.39,"end":609.79,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.17161306738853457},{"word":"else","start":609.79,"end":610.29,"confidence":0.9453125,"punctuated_word":"else.","sentiment":"neutral","sentiment_score":-0.04947143793106079},{"word":"and","start":612.03,"end":612.53,"confidence":0.9873047,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10231714695692062},{"word":"i","start":612.67,"end":612.83,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13628029823303223},{"word":"would","start":612.83,"end":612.99,"confidence":0.6430664,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.27625003457069397},{"word":"be","start":612.99,"end":613.15,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2606898844242096},{"word":"happy","start":613.15,"end":613.47003,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.309889554977417},{"word":"to","start":613.47003,"end":613.71,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3053465485572815},{"word":"go","start":613.71,"end":614.03,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.3030998706817627},{"word":"with","start":614.03,"end":614.35,"confidence":0.9909668,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.2233557105064392},{"word":"you","start":614.35,"end":614.43,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14449375867843628},{"word":"know","start":614.43,"end":614.67,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.22753283381462097},{"word":"whatever","start":614.67,"end":615.15,"confidence":0.9980469,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.21511951088905337},{"word":"is","start":615.15,"end":615.31,"confidence":0.5488281,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.18210239708423617},{"word":"advised","start":615.31,"end":615.81,"confidence":0.95166016,"punctuated_word":"advised","sentiment":"neutral","sentiment_score":0.15552951395511627},{"word":"in","start":616.35,"end":616.59,"confidence":0.9760742,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1451845020055771},{"word":"terms","start":616.59,"end":616.91003,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.16588032245635986},{"word":"of","start":616.91003,"end":617.07,"confidence":0.97265625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1619250625371933},{"word":"if","start":617.07,"end":617.23,"confidence":0.46118164,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13974015414714813},{"word":"there","start":617.23,"end":617.47003,"confidence":0.7529297,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.07747602462768555},{"word":"if","start":617.47003,"end":617.71,"confidence":0.6958008,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1178313046693802},{"word":"there","start":617.71,"end":617.87,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.08365601301193237},{"word":"is","start":617.87,"end":618.11,"confidence":0.9892578,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1401848345994949},{"word":"a","start":618.11,"end":618.19,"confidence":0.8413086,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0976330041885376},{"word":"yeah","start":618.51,"end":619.01,"confidence":0.93481445,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.09500858187675476},{"word":"something","start":619.995,"end":620.395,"confidence":0.9819336,"punctuated_word":"Something","sentiment":"neutral","sentiment_score":0.056782085448503494},{"word":"that","start":620.395,"end":620.635,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03871035575866699},{"word":"is","start":620.635,"end":620.875,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.058928053826093674},{"word":"showing","start":620.875,"end":621.375,"confidence":0.7246094,"punctuated_word":"showing,","sentiment":"neutral","sentiment_score":0.2719916105270386},{"word":"you","start":622.235,"end":622.395,"confidence":0.96777344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.32559120655059814},{"word":"know","start":622.395,"end":622.875,"confidence":0.98999023,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.4021962285041809},{"word":"a","start":622.875,"end":623.03503,"confidence":0.7729492,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4099442660808563},{"word":"good","start":623.03503,"end":623.35504,"confidence":0.9970703,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.45949554443359375},{"word":"growth","start":623.35504,"end":623.85504,"confidence":0.96850586,"punctuated_word":"growth.","sentiment":"positive","sentiment_score":0.41948333382606506},{"word":"yeah","start":624.875,"end":625.375,"confidence":0.96899414,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17470115423202515},{"word":"but","start":625.755,"end":626.235,"confidence":0.9560547,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1106770634651184},{"word":"yeah","start":626.315,"end":626.815,"confidence":0.99316406,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.14160721004009247},{"word":"yes","start":642.57,"end":643.07,"confidence":0.94091797,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.3244563937187195},{"word":"okay","start":657.67505,"end":658.17505,"confidence":0.97314453,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.037734780460596085},{"word":"mhmm","start":664.99005,"end":665.49005,"confidence":0.9797363,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.05010048672556877},{"word":"yes","start":669.47003,"end":669.97003,"confidence":0.8562012,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.15865351259708405},{"word":"yes","start":680.27496,"end":680.675,"confidence":0.92700195,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2845369577407837},{"word":"i","start":680.675,"end":680.83496,"confidence":0.98291016,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4392341375350952},{"word":"would","start":680.83496,"end":680.995,"confidence":1.0,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.4510934054851532},{"word":"like","start":680.995,"end":681.235,"confidence":0.99902344,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.5219259262084961},{"word":"that","start":681.235,"end":681.475,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.46689027547836304},{"word":"thank","start":681.475,"end":681.71497,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6650378108024597},{"word":"you","start":681.71497,"end":682.21497,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5653413534164429},{"word":"yeah","start":693.66003,"end":694.16003,"confidence":0.9003906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.3060687184333801},{"word":"yeah","start":700.62,"end":701.12,"confidence":0.9904785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1947251558303833},{"word":"yep","start":707.395,"end":707.895,"confidence":0.93896484,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14188534021377563},{"word":"yes","start":710.67505,"end":711.075,"confidence":0.9851074,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.26893150806427},{"word":"that","start":711.075,"end":711.23505,"confidence":0.99902344,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.4933693408966065},{"word":"sounds","start":711.23505,"end":711.55505,"confidence":0.9921875,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.5786539316177368},{"word":"great","start":711.55505,"end":711.79504,"confidence":0.9970703,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.5694055557250977},{"word":"thank","start":711.79504,"end":712.03503,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6070331335067749},{"word":"you","start":712.03503,"end":712.53503,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5414613485336304},{"word":"yes","start":725.18,"end":725.68,"confidence":0.7282715,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.03403879702091217},{"word":"that's","start":725.98,"end":726.22,"confidence":0.72924805,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.07286905497312546},{"word":"fine","start":726.22,"end":726.72,"confidence":0.94921875,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":-0.006546225398778915},{"word":"yeah","start":731.055,"end":731.555,"confidence":0.8364258,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.14169569313526154},{"word":"yep","start":733.935,"end":734.435,"confidence":0.92407227,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18841469287872312},{"word":"sounds","start":734.57495,"end":734.89496,"confidence":0.984375,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.4071710407733917},{"word":"good","start":734.89496,"end":735.21497,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.32295459508895874},{"word":"yep","start":735.21497,"end":735.71497,"confidence":0.9692383,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19884821772575376},{"word":"yes","start":761.525,"end":762.025,"confidence":0.89160156,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2431604564189911},{"word":"yep","start":767.685,"end":768.185,"confidence":0.79345703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2230265736579895},{"word":"yes","start":777.2,"end":777.7,"confidence":0.9970703,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2940882742404938},{"word":"yeah","start":799.49005,"end":799.99005,"confidence":0.80493164,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10774873942136765},{"word":"yeah","start":802.21,"end":802.53,"confidence":0.9655762,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11266909539699554},{"word":"i","start":802.53,"end":802.61005,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0981348678469658},{"word":"think","start":802.61005,"end":803.11005,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.10313987731933594},{"word":"for","start":804.53,"end":804.77,"confidence":0.6582031,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11455211043357848},{"word":"me","start":804.77,"end":805.27,"confidence":0.8322754,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.17043286561965942},{"word":"because","start":805.33,"end":805.83,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.15588310360908508},{"word":"of","start":806.035,"end":806.355,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1861444115638733},{"word":"the","start":806.355,"end":806.595,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17524969577789307},{"word":"nature","start":806.595,"end":806.995,"confidence":0.99902344,"punctuated_word":"nature","sentiment":"neutral","sentiment_score":0.1427307277917862},{"word":"of","start":806.995,"end":807.235,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18006384372711182},{"word":"my","start":807.235,"end":807.475,"confidence":0.9951172,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.12201675027608871},{"word":"work","start":807.475,"end":807.875,"confidence":0.99316406,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":0.12402097880840302},{"word":"i","start":807.875,"end":808.195,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11599327623844148},{"word":"could","start":808.195,"end":808.435,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.148602694272995},{"word":"probably","start":808.435,"end":808.935,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.1693008542060852},{"word":"continue","start":808.995,"end":809.495,"confidence":0.99316406,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":0.13019877672195437},{"word":"doing","start":809.555,"end":809.875,"confidence":0.9970703,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.2215004563331604},{"word":"it","start":809.875,"end":810.115,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.19945847988128665},{"word":"even","start":810.115,"end":810.355,"confidence":0.96777344,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.149953231215477},{"word":"in","start":810.355,"end":810.515,"confidence":0.91259766,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12765195965766907},{"word":"a","start":810.515,"end":810.675,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16792665421962738},{"word":"part","start":810.675,"end":810.915,"confidence":0.99902344,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.1456042230129242},{"word":"time","start":810.915,"end":811.235,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.16922566294670105},{"word":"capacity","start":811.235,"end":811.735,"confidence":1.0,"punctuated_word":"capacity","sentiment":"neutral","sentiment_score":0.15425285696983335},{"word":"for","start":812.435,"end":812.835,"confidence":0.84277344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09940142184495926},{"word":"as","start":812.835,"end":812.995,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04572032392024994},{"word":"long","start":812.995,"end":813.235,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.09811824560165404},{"word":"as","start":813.235,"end":813.555,"confidence":0.96313477,"punctuated_word":"as,","sentiment":"neutral","sentiment_score":0.07117924094200134},{"word":"you","start":813.555,"end":813.795,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03738260269165039},{"word":"know","start":813.795,"end":814.115,"confidence":0.99365234,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0901663899421692},{"word":"my","start":814.115,"end":814.435,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.07994237542152405},{"word":"my","start":814.435,"end":814.675,"confidence":0.97998047,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.031535208225250244},{"word":"brain","start":814.675,"end":814.995,"confidence":0.99902344,"punctuated_word":"brain","sentiment":"neutral","sentiment_score":0.07422281801700592},{"word":"is","start":814.995,"end":815.235,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08416061103343964},{"word":"functional","start":815.235,"end":815.735,"confidence":0.9975586,"punctuated_word":"functional.","sentiment":"neutral","sentiment_score":0.11015233397483826},{"word":"so","start":817.395,"end":817.895,"confidence":0.79296875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04140075296163559},{"word":"in","start":819.52997,"end":819.76996,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.01811770349740982},{"word":"terms","start":819.76996,"end":820.08997,"confidence":0.9980469,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.0025839656591415405},{"word":"of","start":820.08997,"end":820.41,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02762150764465332},{"word":"retirement","start":820.41,"end":820.91,"confidence":0.99609375,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":-0.0014424845576286316},{"word":"it","start":820.97,"end":821.05,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.028675347566604618},{"word":"would","start":821.05,"end":821.37,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.006321258842945099},{"word":"probably","start":821.37,"end":821.87,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.02147149294614792},{"word":"be","start":822.01,"end":822.51,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.03014656901359558},{"word":"like","start":823.52997,"end":823.93,"confidence":0.98999023,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.06703552603721619},{"word":"i","start":823.93,"end":824.17,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15681099891662598},{"word":"wouldn't","start":824.17,"end":824.49,"confidence":0.80322266,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.1126980185508728},{"word":"take","start":824.49,"end":824.81,"confidence":0.9223633,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.12552177906036377},{"word":"complete","start":824.81,"end":825.31,"confidence":0.99902344,"punctuated_word":"complete","sentiment":"neutral","sentiment_score":-0.1346093863248825},{"word":"retirement","start":825.44995,"end":825.94995,"confidence":0.99609375,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":-0.07876894623041153},{"word":"at","start":826.08997,"end":826.25,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.16731974482536316},{"word":"that","start":826.25,"end":826.49,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07443138211965561},{"word":"age","start":826.49,"end":826.99,"confidence":0.99853516,"punctuated_word":"age.","sentiment":"neutral","sentiment_score":-0.06533701717853546},{"word":"i'll","start":828.08997,"end":828.41,"confidence":0.69970703,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.13206449151039124},{"word":"probably","start":828.41,"end":828.91,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.14525029063224792},{"word":"continue","start":828.97,"end":829.44995,"confidence":0.9970703,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":0.14790046215057373},{"word":"to","start":829.44995,"end":829.69,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1846068948507309},{"word":"work","start":829.69,"end":829.93,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.13756448030471802},{"word":"part","start":829.93,"end":830.17,"confidence":0.9970703,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.15316927433013916},{"word":"time","start":830.17,"end":830.57,"confidence":0.99609375,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.16885395348072052},{"word":"you","start":830.57,"end":830.64996,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0986674353480339},{"word":"know","start":830.64996,"end":830.88995,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.08428432792425156},{"word":"into","start":830.88995,"end":831.20996,"confidence":0.99316406,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.06060364842414856},{"word":"my","start":831.20996,"end":831.37,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.10660098493099213},{"word":"sixties","start":831.37,"end":831.87,"confidence":0.95719403,"punctuated_word":"sixties.","sentiment":"neutral","sentiment_score":0.09956544637680054},{"word":"and","start":833.415,"end":833.895,"confidence":0.9941406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.033662330359220505},{"word":"so","start":833.895,"end":834.17505,"confidence":0.98291016,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.02742459252476692},{"word":"yeah","start":834.455,"end":834.955,"confidence":0.99853516,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.03781634569168091},{"word":"so","start":835.095,"end":835.595,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.011284127831459044},{"word":"so","start":835.735,"end":835.975,"confidence":0.97509766,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.009033869951963425},{"word":"i","start":835.975,"end":836.055,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.00952870398759842},{"word":"haven't","start":836.055,"end":836.535,"confidence":0.9995117,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.0036870529875159264},{"word":"you","start":836.695,"end":836.855,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.025913100689649585},{"word":"know","start":836.855,"end":837.335,"confidence":0.84350586,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.022096186876296997},{"word":"yeah","start":837.335,"end":837.65497,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.10814276337623596},{"word":"i","start":837.65497,"end":837.735,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.20342764258384705},{"word":"don't","start":837.735,"end":838.055,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.15275482833385468},{"word":"see","start":838.055,"end":838.295,"confidence":0.9489746,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":-0.18598973751068115},{"word":"like","start":838.295,"end":838.615,"confidence":0.99853516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.19096094369888303},{"word":"a","start":838.615,"end":838.775,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1617417186498642},{"word":"a","start":838.775,"end":838.855,"confidence":0.90527344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14438925683498385},{"word":"full","start":838.855,"end":839.095,"confidence":0.9375,"punctuated_word":"full","sentiment":"neutral","sentiment_score":-0.11393013596534728},{"word":"retirement","start":839.095,"end":839.595,"confidence":0.9873047,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":-0.06601760536432266},{"word":"kind","start":840.055,"end":840.295,"confidence":0.91259766,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.15771883726119995},{"word":"of","start":840.295,"end":840.795,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17884261906147003},{"word":"until","start":841.015,"end":841.515,"confidence":0.69750977,"punctuated_word":"until,","sentiment":"neutral","sentiment_score":-0.14568352699279785},{"word":"yeah","start":841.815,"end":842.315,"confidence":0.9941406,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.12617646157741547},{"word":"quite","start":842.695,"end":842.935,"confidence":0.82177734,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.143042653799057},{"word":"a","start":842.935,"end":843.095,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11625871062278748},{"word":"bit","start":843.095,"end":843.415,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.11842715740203856},{"word":"along","start":843.415,"end":843.915,"confidence":0.94018555,"punctuated_word":"along.","sentiment":"neutral","sentiment_score":-0.13464488089084625},{"word":"obviously","start":845.015,"end":845.415,"confidence":0.7963867,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.01091636624187231},{"word":"things","start":845.415,"end":845.735,"confidence":0.6435547,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.33226677775382996},{"word":"contained","start":845.735,"end":846.235,"confidence":0.6599121,"punctuated_word":"contained.","sentiment":"neutral","sentiment_score":0.0831497311592102},{"word":"you","start":846.935,"end":847.175,"confidence":0.96972656,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.06776056438684464},{"word":"you","start":847.175,"end":847.335,"confidence":0.8691406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04363267123699188},{"word":"know","start":847.335,"end":847.575,"confidence":0.7468262,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":0.06737447530031204},{"word":"we","start":847.575,"end":847.735,"confidence":0.78808594,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.07712908834218979},{"word":"don't","start":847.735,"end":847.975,"confidence":0.98950195,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.01805764250457287},{"word":"know","start":847.975,"end":848.135,"confidence":0.7714844,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.02561146393418312},{"word":"but","start":848.135,"end":848.375,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04921744018793106},{"word":"i'm","start":848.375,"end":848.64,"confidence":0.9904785,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1899723708629608},{"word":"sort","start":848.64,"end":848.88,"confidence":0.9980469,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1678522527217865},{"word":"of","start":848.88,"end":849.04004,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23820045590400696},{"word":"anticipating","start":849.04004,"end":849.54004,"confidence":0.99609375,"punctuated_word":"anticipating","sentiment":"neutral","sentiment_score":0.272430419921875},{"word":"with","start":849.76,"end":849.92004,"confidence":0.3005371,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.27966147661209106},{"word":"all","start":849.92004,"end":850.32,"confidence":0.97509766,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4006931185722351},{"word":"going","start":850.32,"end":850.56,"confidence":0.8647461,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.3713073134422302},{"word":"well","start":850.56,"end":850.88,"confidence":0.8220215,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.31439000368118286},{"word":"my","start":850.88,"end":851.12,"confidence":0.97314453,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.31236743927001953},{"word":"health","start":851.12,"end":851.28,"confidence":0.9316406,"punctuated_word":"health","sentiment":"neutral","sentiment_score":0.32093095779418945},{"word":"and","start":851.28,"end":851.44,"confidence":0.96240234,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.35939982533454895},{"word":"everything","start":851.44,"end":851.94,"confidence":1.0,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.33948206901550293},{"word":"going","start":852.48004,"end":852.72003,"confidence":0.9506836,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.420321524143219},{"word":"well","start":852.72003,"end":853.04004,"confidence":0.86450195,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.31468409299850464},{"word":"and","start":853.04004,"end":853.36,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2990350127220154},{"word":"me","start":853.36,"end":853.52,"confidence":0.9941406,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.3280707001686096},{"word":"being","start":853.52,"end":853.76,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.3088386058807373},{"word":"able","start":853.76,"end":854.0,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.3065453767776489},{"word":"to","start":854.0,"end":854.24,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2856173515319824},{"word":"continue","start":854.24,"end":854.72003,"confidence":1.0,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":0.28836244344711304},{"word":"working","start":854.72003,"end":855.22003,"confidence":0.9975586,"punctuated_word":"working.","sentiment":"neutral","sentiment_score":0.19276344776153564},{"word":"yeah","start":856.32,"end":856.82,"confidence":0.9797363,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11784547567367554},{"word":"so","start":857.36,"end":857.86,"confidence":0.98095703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10764645785093307},{"word":"and","start":858.8,"end":859.12,"confidence":0.91186523,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.10259310901165009},{"word":"yeah","start":859.12,"end":859.36,"confidence":0.99560547,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.12452220916748048},{"word":"my","start":859.36,"end":859.52,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.12624070048332214},{"word":"husband's","start":859.52,"end":860.02,"confidence":0.7890625,"punctuated_word":"husband's","sentiment":"neutral","sentiment_score":0.11212676763534546},{"word":"also","start":860.08,"end":860.4,"confidence":0.99316406,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.12429799139499664},{"word":"got","start":860.4,"end":860.64,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.16494140028953552},{"word":"well","start":861.735,"end":861.975,"confidence":0.9975586,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.14150959253311157},{"word":"not","start":861.975,"end":862.21497,"confidence":0.9970703,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.045016612857580185},{"word":"my","start":862.21497,"end":862.295,"confidence":0.9970703,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.03824762254953384},{"word":"husband","start":862.295,"end":862.615,"confidence":0.71606445,"punctuated_word":"husband,","sentiment":"neutral","sentiment_score":0.08065178990364075},{"word":"not","start":862.615,"end":862.695,"confidence":0.25146484,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.05762734264135361},{"word":"but","start":862.855,"end":863.335,"confidence":0.9482422,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.05743745341897011},{"word":"we","start":863.335,"end":863.735,"confidence":0.7739258,"punctuated_word":"we,","sentiment":"neutral","sentiment_score":0.09500935673713684},{"word":"as","start":863.735,"end":864.055,"confidence":0.88720703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10938823968172072},{"word":"in","start":864.055,"end":864.535,"confidence":0.9370117,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13622227311134338},{"word":"our","start":864.535,"end":864.695,"confidence":0.94921875,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.12487144768238068},{"word":"family","start":864.695,"end":865.095,"confidence":0.93237305,"punctuated_word":"family,","sentiment":"neutral","sentiment_score":0.12277811765670776},{"word":"we","start":865.095,"end":865.255,"confidence":0.95410156,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07619701325893402},{"word":"you","start":865.29504,"end":865.335,"confidence":0.98535156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06531481444835663},{"word":"know","start":865.335,"end":865.495,"confidence":0.9797363,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.07315605878829956},{"word":"we've","start":865.495,"end":865.735,"confidence":0.99902344,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.0836094468832016},{"word":"got","start":865.735,"end":865.895,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08921175450086594},{"word":"properties","start":865.895,"end":866.295,"confidence":0.96484375,"punctuated_word":"properties,","sentiment":"neutral","sentiment_score":0.07024292647838593},{"word":"etcetera","start":866.295,"end":866.695,"confidence":0.8758545,"punctuated_word":"etcetera,","sentiment":"neutral","sentiment_score":0.0845634862780571},{"word":"because","start":866.695,"end":867.015,"confidence":0.99609375,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.07993963360786438},{"word":"my","start":867.015,"end":867.095,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.06762032955884933},{"word":"husband","start":867.095,"end":867.415,"confidence":1.0,"punctuated_word":"husband","sentiment":"neutral","sentiment_score":0.07470913231372833},{"word":"runs","start":867.415,"end":867.65497,"confidence":0.9892578,"punctuated_word":"runs","sentiment":"neutral","sentiment_score":0.11622139811515808},{"word":"his","start":867.65497,"end":867.815,"confidence":0.93603516,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.06821373850107193},{"word":"own","start":867.815,"end":867.975,"confidence":0.99609375,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.08277955651283264},{"word":"business","start":867.975,"end":868.375,"confidence":0.8952637,"punctuated_word":"business.","sentiment":"neutral","sentiment_score":0.06741365790367126},{"word":"so","start":868.375,"end":868.875,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06551031023263931},{"word":"he's","start":868.935,"end":869.33496,"confidence":0.9785156,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":0.07093783468008041},{"word":"we","start":869.735,"end":869.895,"confidence":0.9394531,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11984847486019136},{"word":"bought","start":869.895,"end":870.135,"confidence":0.91748047,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":0.1534450203180313},{"word":"properties","start":870.135,"end":870.635,"confidence":0.9951172,"punctuated_word":"properties","sentiment":"neutral","sentiment_score":0.09355902671813963},{"word":"as","start":870.775,"end":871.015,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10697302222251892},{"word":"an","start":871.015,"end":871.175,"confidence":0.9970703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.11322484910488129},{"word":"investment","start":871.175,"end":871.675,"confidence":0.9873047,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.07491952180862427},{"word":"and","start":872.455,"end":872.615,"confidence":0.2578125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13252565264701843},{"word":"sent","start":872.615,"end":872.935,"confidence":0.42919922,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.11950910091400146},{"word":"for","start":872.935,"end":873.175,"confidence":0.80615234,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11027635633945464},{"word":"him","start":873.175,"end":873.675,"confidence":0.9980469,"punctuated_word":"him","sentiment":"neutral","sentiment_score":0.10319741815328598},{"word":"because","start":874.295,"end":874.53,"confidence":0.28710938,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0953245460987091},{"word":"because","start":874.53,"end":874.61,"confidence":0.76171875,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.07737748324871063},{"word":"he","start":874.61,"end":874.69,"confidence":0.9921875,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.045779597014188766},{"word":"doesn't","start":874.69,"end":875.01,"confidence":0.9995117,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.0034311986528337},{"word":"really","start":875.01,"end":875.41003,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.04305132478475571},{"word":"have","start":875.41003,"end":875.81006,"confidence":0.9951172,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.008938319981098175},{"word":"much","start":875.81006,"end":876.29004,"confidence":0.9892578,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.022424273192882534},{"word":"in","start":876.29004,"end":876.37006,"confidence":0.90771484,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04700742661952973},{"word":"a","start":876.37006,"end":876.61005,"confidence":0.7680664,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.004508554935455322},{"word":"super","start":876.61005,"end":876.93005,"confidence":0.8911133,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.012749195098876951},{"word":"fund","start":876.93005,"end":877.25,"confidence":0.6591797,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.02233538031578064},{"word":"per","start":877.25,"end":877.49005,"confidence":0.78125,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.03546106070280075},{"word":"se","start":877.49005,"end":877.99005,"confidence":0.94628906,"punctuated_word":"se.","sentiment":"neutral","sentiment_score":0.05702776461839676},{"word":"yeah","start":878.45,"end":878.95,"confidence":0.97802734,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10111983120441435},{"word":"so","start":879.41003,"end":879.81006,"confidence":0.8676758,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12191742658615112},{"word":"yeah","start":879.89,"end":880.39,"confidence":0.99658203,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.17406508326530457},{"word":"no","start":887.115,"end":887.615,"confidence":0.83618164,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04168993607163429},{"word":"yeah","start":890.235,"end":890.735,"confidence":0.92993164,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02747846022248268},{"word":"we","start":897.915,"end":898.075,"confidence":0.96435547,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.02213830128312111},{"word":"might","start":898.075,"end":898.575,"confidence":0.78125,"punctuated_word":"might,","sentiment":"neutral","sentiment_score":0.035217735916376114},{"word":"yeah","start":898.635,"end":898.875,"confidence":0.9836426,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.0398193895816803},{"word":"we","start":898.875,"end":899.035,"confidence":0.97998047,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02997994050383568},{"word":"might","start":899.035,"end":899.27496,"confidence":0.97802734,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.03256571292877197},{"word":"look","start":899.27496,"end":899.58,"confidence":0.9741211,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.028862375766038895},{"word":"at","start":899.66003,"end":899.74,"confidence":0.8178711,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.027088196948170665},{"word":"that","start":899.74,"end":899.82,"confidence":0.9394531,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03608699142932892},{"word":"as","start":899.82,"end":899.98004,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03173868730664253},{"word":"well","start":899.98004,"end":900.38,"confidence":0.9941406,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.03166704997420311},{"word":"yeah","start":900.38,"end":900.78,"confidence":0.95996094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02837980166077614},{"word":"so","start":900.78,"end":900.94,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.022200684994459152},{"word":"maybe","start":900.94,"end":901.44,"confidence":0.9892578,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.033279698342084885},{"word":"another","start":901.5,"end":902.0,"confidence":0.5283203,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.023215271532535553},{"word":"property","start":902.06,"end":902.46,"confidence":0.99902344,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.021554892882704735},{"word":"down","start":902.46,"end":902.7,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.024763640016317368},{"word":"the","start":902.7,"end":902.86005,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.025238431990146637},{"word":"line","start":902.86005,"end":903.36005,"confidence":0.8376465,"punctuated_word":"line,","sentiment":"neutral","sentiment_score":0.024952320381999016},{"word":"we","start":903.82,"end":903.98004,"confidence":0.96240234,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.027106063440442085},{"word":"may","start":903.98004,"end":904.14,"confidence":0.82666016,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.023244332522153854},{"word":"look","start":904.14,"end":904.3,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.02581775188446045},{"word":"at","start":904.3,"end":904.54004,"confidence":0.9838867,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.026105737313628197},{"word":"commercial","start":904.54004,"end":905.02,"confidence":0.9941406,"punctuated_word":"commercial","sentiment":"neutral","sentiment_score":0.028987914323806763},{"word":"property","start":905.02,"end":905.52,"confidence":0.99560547,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.026405595242977142},{"word":"yeah","start":907.18,"end":907.68,"confidence":0.98339844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04571458697319031},{"word":"so","start":908.3,"end":908.78,"confidence":0.98291016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.048384226858615875},{"word":"yep","start":908.86005,"end":909.36005,"confidence":0.9923503,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.057228535413742065},{"word":"yes","start":922.985,"end":923.485,"confidence":0.9499512,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1728472262620926},{"word":"yeah","start":931.14,"end":931.64,"confidence":0.7463379,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11872952431440352},{"word":"yeah","start":941.15497,"end":941.395,"confidence":0.95581055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08884642273187637},{"word":"that's","start":941.395,"end":941.71497,"confidence":0.920166,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.11238984763622284},{"word":"that's","start":941.71497,"end":942.035,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0998821258544922},{"word":"correct","start":942.035,"end":942.355,"confidence":0.9941406,"punctuated_word":"correct.","sentiment":"neutral","sentiment_score":0.13037632405757904},{"word":"yeah","start":942.355,"end":942.855,"confidence":0.9609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.22702011466026303},{"word":"mhmm","start":950.755,"end":951.255,"confidence":0.9954834,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.000033161602914333344},{"word":"a","start":955.23,"end":955.39,"confidence":0.9350586,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.01244763657450676},{"word":"variety","start":955.39,"end":955.79,"confidence":0.99902344,"punctuated_word":"variety","sentiment":"neutral","sentiment_score":0.011202266439795494},{"word":"of","start":955.79,"end":955.95,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01731983944773674},{"word":"things","start":955.95,"end":956.45,"confidence":0.9946289,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.01634255051612854},{"word":"his","start":957.31,"end":957.55,"confidence":0.9394531,"punctuated_word":"His","sentiment":"neutral","sentiment_score":0.0064823683351278305},{"word":"main","start":957.55,"end":958.05,"confidence":0.99609375,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.01851320080459118},{"word":"his","start":958.11,"end":958.35,"confidence":0.93847656,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.022900579497218132},{"word":"main","start":958.35,"end":958.85,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.024235650897026065},{"word":"job","start":959.14996,"end":959.47,"confidence":0.96875,"punctuated_word":"job","sentiment":"neutral","sentiment_score":0.011096188798546793},{"word":"that","start":959.47,"end":959.63,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.030526872724294662},{"word":"he's","start":959.63,"end":959.95,"confidence":0.99072266,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":0.029048584401607513},{"word":"doing","start":959.95,"end":960.26996,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.03177162632346153},{"word":"at","start":960.26996,"end":960.43,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02008819580078125},{"word":"the","start":960.43,"end":960.51,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03157304972410202},{"word":"moment","start":960.51,"end":960.99,"confidence":0.9980469,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.03178893029689789},{"word":"is","start":960.99,"end":961.23,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04043305665254593},{"word":"actually","start":961.23,"end":961.73,"confidence":0.99316406,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.06397376209497452},{"word":"swimming","start":962.11,"end":962.43,"confidence":0.87353516,"punctuated_word":"swimming","sentiment":"neutral","sentiment_score":0.03650715202093125},{"word":"pool","start":962.43,"end":962.75,"confidence":0.9941406,"punctuated_word":"pool","sentiment":"neutral","sentiment_score":0.04429445415735245},{"word":"renovations","start":962.75,"end":963.25,"confidence":0.9265137,"punctuated_word":"renovations.","sentiment":"neutral","sentiment_score":0.0377781018614769},{"word":"so","start":964.11,"end":964.61,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08579009771347046},{"word":"yeah","start":965.23,"end":965.73,"confidence":0.95654297,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.09709799289703368},{"word":"so","start":965.79,"end":966.29,"confidence":0.8352051,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.06744448840618134},{"word":"basically","start":967.395,"end":967.895,"confidence":0.99560547,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.09207120537757874},{"word":"the","start":968.755,"end":968.91504,"confidence":0.53759766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05497216433286667},{"word":"you","start":969.23505,"end":969.55505,"confidence":0.85595703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.061995670199394226},{"word":"try","start":969.55505,"end":969.79504,"confidence":0.3642578,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.059294864535331726},{"word":"and","start":969.79504,"end":969.955,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06776939332485199},{"word":"send","start":969.955,"end":970.195,"confidence":0.54003906,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.07235118746757507},{"word":"clean","start":970.195,"end":970.59503,"confidence":0.66503906,"punctuated_word":"clean,","sentiment":"neutral","sentiment_score":0.06632182747125626},{"word":"send","start":970.59503,"end":970.91504,"confidence":0.9248047,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.07669880241155624},{"word":"repaint","start":970.91504,"end":971.41504,"confidence":0.76692706,"punctuated_word":"repaint,","sentiment":"neutral","sentiment_score":0.05840281397104263},{"word":"send","start":971.47504,"end":971.97504,"confidence":0.7932129,"punctuated_word":"send,","sentiment":"neutral","sentiment_score":0.06086789444088936},{"word":"you","start":972.43506,"end":972.67505,"confidence":0.9873047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.029866989701986313},{"word":"know","start":972.67505,"end":973.075,"confidence":0.8972168,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.04640841856598854},{"word":"so","start":973.075,"end":973.23505,"confidence":0.4375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.06357059627771378},{"word":"he","start":973.23505,"end":973.395,"confidence":0.40185547,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.05899108946323395},{"word":"needs","start":973.395,"end":973.875,"confidence":0.9536133,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":0.06638167798519135},{"word":"refiberglass","start":973.875,"end":974.375,"confidence":0.3503418,"punctuated_word":"refiberglass,","sentiment":"neutral","sentiment_score":0.058467965573072433},{"word":"and","start":974.59503,"end":974.835,"confidence":0.6152344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.051847122609615326},{"word":"he","start":974.835,"end":974.91504,"confidence":0.984375,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.05105041712522507},{"word":"does","start":974.91504,"end":975.155,"confidence":0.98828125,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.04124626144766808},{"word":"all","start":975.155,"end":975.315,"confidence":0.92578125,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.06526999920606613},{"word":"of","start":975.315,"end":975.395,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05803396552801132},{"word":"that","start":975.395,"end":975.895,"confidence":0.99365234,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.052024781703948975},{"word":"yep","start":976.515,"end":976.99506,"confidence":0.8220215,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06103193759918213},{"word":"so","start":976.99506,"end":977.155,"confidence":0.9790039,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.060340091586112976},{"word":"he","start":977.155,"end":977.315,"confidence":0.99316406,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.06936410069465637},{"word":"does","start":977.315,"end":977.55505,"confidence":0.99902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.07180118560791016},{"word":"that","start":977.55505,"end":978.05505,"confidence":0.8352051,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.07429276406764984},{"word":"that's","start":979.075,"end":979.56,"confidence":0.97094727,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07456226646900177},{"word":"main","start":979.72,"end":980.12,"confidence":0.95410156,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.08758512884378433},{"word":"sort","start":980.12,"end":980.44,"confidence":0.9428711,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.09024892002344131},{"word":"of","start":980.44,"end":980.6,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06962987780570984},{"word":"focus","start":980.6,"end":981.0,"confidence":0.80737305,"punctuated_word":"focus,","sentiment":"neutral","sentiment_score":0.0701335072517395},{"word":"but","start":981.0,"end":981.24,"confidence":0.99316406,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.07447512447834015},{"word":"he's","start":981.24,"end":981.4,"confidence":0.9902344,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":0.06203364580869675},{"word":"also","start":981.4,"end":981.9,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.07000626623630524},{"word":"he","start":982.52,"end":982.68,"confidence":0.98535156,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.1282545030117035},{"word":"does","start":982.68,"end":982.92,"confidence":0.99609375,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.14944101870059967},{"word":"free","start":982.92,"end":983.24,"confidence":0.7939453,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.17476367950439453},{"word":"diving","start":983.24,"end":983.56,"confidence":0.9970703,"punctuated_word":"diving","sentiment":"neutral","sentiment_score":0.13957838714122772},{"word":"and","start":983.56,"end":983.72,"confidence":0.37817383,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14331305027008057},{"word":"instructing","start":983.72,"end":984.2,"confidence":0.7196045,"punctuated_word":"instructing","sentiment":"neutral","sentiment_score":0.13449515402317047},{"word":"as","start":984.2,"end":984.36,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12720239162445068},{"word":"well","start":984.36,"end":984.68,"confidence":0.8881836,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1395130157470703},{"word":"so","start":984.68,"end":985.18,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1684855818748474},{"word":"he","start":985.48,"end":985.72,"confidence":0.9951172,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.16326764225959778},{"word":"runs","start":985.72,"end":986.12,"confidence":0.9980469,"punctuated_word":"runs","sentiment":"neutral","sentiment_score":0.2150227278470993},{"word":"courses","start":986.12,"end":986.6,"confidence":0.9921875,"punctuated_word":"courses","sentiment":"neutral","sentiment_score":0.2487880736589432},{"word":"and","start":986.6,"end":986.84,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21960096061229703},{"word":"trains","start":986.84,"end":987.34,"confidence":0.9863281,"punctuated_word":"trains","sentiment":"neutral","sentiment_score":0.20728445053100583},{"word":"people","start":988.12,"end":988.62,"confidence":0.97314453,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.24374057352542877},{"word":"to","start":988.84,"end":989.16,"confidence":0.9506836,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26714643836021423},{"word":"how","start":989.16,"end":989.32,"confidence":0.48291016,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.2145470529794693},{"word":"to","start":989.32,"end":989.48,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18831872940063477},{"word":"free","start":989.48,"end":989.72,"confidence":0.98291016,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.20926211774349213},{"word":"dive","start":989.72,"end":990.04,"confidence":0.9472656,"punctuated_word":"dive","sentiment":"neutral","sentiment_score":0.1834792792797089},{"word":"better","start":990.04,"end":990.36,"confidence":0.9873047,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.2272886335849762},{"word":"and","start":990.36,"end":990.44,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1951914429664612},{"word":"safely","start":990.44,"end":990.94,"confidence":0.98950195,"punctuated_word":"safely.","sentiment":"neutral","sentiment_score":0.1727745532989502},{"word":"yeah","start":993.52496,"end":994.02496,"confidence":0.99365234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1702592521905899},{"word":"yeah","start":994.325,"end":994.825,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15834584832191467},{"word":"yeah","start":995.04504,"end":995.54504,"confidence":0.89404297,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.21528097987174988},{"word":"yeah","start":995.765,"end":996.265,"confidence":0.98095703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16961398720741272},{"word":"yeah","start":1004.885,"end":1005.125,"confidence":0.99072266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05772421509027481},{"word":"yeah","start":1005.125,"end":1005.205,"confidence":0.984375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03319498151540756},{"word":"yeah","start":1005.205,"end":1005.455,"confidence":0.9589844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2577524781227112},{"word":"yeah","start":1005.455,"end":1005.955,"confidence":0.8479004,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19336430728435516},{"word":"yeah","start":1006.7,"end":1006.86,"confidence":0.76293945,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.23618464171886444},{"word":"so","start":1006.86,"end":1007.18,"confidence":0.92089844,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.39186546206474304},{"word":"he","start":1007.18,"end":1007.34,"confidence":0.9970703,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.12511904537677765},{"word":"does","start":1007.34,"end":1007.58,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.08829811960458755},{"word":"that","start":1007.58,"end":1008.06,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16933336853981018},{"word":"yeah","start":1008.62,"end":1008.94,"confidence":0.98950195,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.06734967231750488},{"word":"he","start":1008.94,"end":1009.1,"confidence":0.9970703,"punctuated_word":"He","sentiment":"neutral","sentiment_score":0.04271882027387619},{"word":"does","start":1009.1,"end":1009.34,"confidence":0.99902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.060499563813209534},{"word":"that","start":1009.34,"end":1009.58,"confidence":0.86865234,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07607383280992508},{"word":"between","start":1009.58,"end":1009.7,"confidence":0.99609375,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.05880020558834076},{"word":"so","start":1009.82,"end":1009.98,"confidence":0.99121094,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03417842090129852},{"word":"we're","start":1009.98,"end":1010.22003,"confidence":0.99658203,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.0427173487842083},{"word":"we're","start":1010.22003,"end":1010.7,"confidence":0.99609375,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.0468442365527153},{"word":"based","start":1010.7,"end":1011.02,"confidence":0.8491211,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.0488571897149086},{"word":"in","start":1011.02,"end":1011.18,"confidence":0.9892578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.046444132924079895},{"word":"perth","start":1011.18,"end":1011.68,"confidence":0.7709961,"punctuated_word":"Perth,","sentiment":"neutral","sentiment_score":0.040929026901721954},{"word":"but","start":1012.3,"end":1012.54,"confidence":0.984375,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.051381152123212814},{"word":"he","start":1012.54,"end":1012.62,"confidence":0.99902344,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.043245039880275726},{"word":"does","start":1012.62,"end":1012.86,"confidence":0.86572266,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.0667218267917633},{"word":"he","start":1013.02,"end":1013.18,"confidence":0.9970703,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.05444108694791794},{"word":"works","start":1013.18,"end":1013.42,"confidence":0.9863281,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.040023479610681534},{"word":"between","start":1013.42,"end":1013.82,"confidence":0.96533203,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.04582718014717102},{"word":"perth","start":1013.82,"end":1014.22003,"confidence":0.9921875,"punctuated_word":"Perth","sentiment":"neutral","sentiment_score":0.033894725143909454},{"word":"and","start":1014.22003,"end":1014.38,"confidence":0.4946289,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04038289189338684},{"word":"then","start":1014.38,"end":1014.62,"confidence":0.99121094,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0466647632420063},{"word":"he","start":1014.62,"end":1014.7,"confidence":0.9941406,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.05144486203789711},{"word":"goes","start":1014.7,"end":1014.94,"confidence":0.9970703,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.040035005658864975},{"word":"up","start":1014.94,"end":1015.1,"confidence":0.9892578,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.04870885983109474},{"word":"into","start":1015.1,"end":1015.34,"confidence":0.9770508,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.04795306921005249},{"word":"the","start":1015.34,"end":1015.42,"confidence":0.97314453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06727142632007599},{"word":"pilbara","start":1015.42,"end":1015.92,"confidence":0.59747314,"punctuated_word":"Pilbara","sentiment":"neutral","sentiment_score":0.05123866721987724},{"word":"to","start":1016.62,"end":1016.86,"confidence":0.8691406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0431082621216774},{"word":"caratha","start":1016.86,"end":1017.36,"confidence":0.45255533,"punctuated_word":"Caratha,","sentiment":"neutral","sentiment_score":0.057736288756132126},{"word":"and","start":1018.14,"end":1018.46,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.053706854581832886},{"word":"he","start":1018.46,"end":1018.78,"confidence":1.0,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.056339576840400696},{"word":"he","start":1018.78,"end":1018.94,"confidence":0.9892578,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.06299367547035217},{"word":"works","start":1018.94,"end":1019.26,"confidence":0.9970703,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.038330525159835815},{"word":"up","start":1019.26,"end":1019.42,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.052243009209632874},{"word":"there","start":1019.42,"end":1019.58,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.05579008907079697},{"word":"as","start":1019.58,"end":1019.74,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06200150400400162},{"word":"well","start":1019.74,"end":1020.06,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.07171415537595749},{"word":"because","start":1020.06,"end":1020.465,"confidence":0.86621094,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.04902160167694092},{"word":"it","start":1020.54504,"end":1020.86505,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08067002147436142},{"word":"gets","start":1020.86505,"end":1021.265,"confidence":0.9970703,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.06609328091144562},{"word":"very","start":1021.265,"end":1021.74506,"confidence":0.99902344,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.040371671319007874},{"word":"wet","start":1021.74506,"end":1022.22504,"confidence":0.99316406,"punctuated_word":"wet","sentiment":"neutral","sentiment_score":-0.018800007179379463},{"word":"in","start":1022.22504,"end":1022.72504,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03960747271776199},{"word":"in","start":1023.265,"end":1023.505,"confidence":0.9165039,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02809308096766472},{"word":"perth","start":1023.505,"end":1023.825,"confidence":0.9428711,"punctuated_word":"Perth","sentiment":"neutral","sentiment_score":-0.023712892085313797},{"word":"out","start":1023.825,"end":1023.98505,"confidence":0.46118164,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.06911586225032806},{"word":"of","start":1023.98505,"end":1024.145,"confidence":0.97802734,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0705353245139122},{"word":"this","start":1024.145,"end":1024.305,"confidence":0.97509766,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.06552199274301529},{"word":"time","start":1024.305,"end":1024.625,"confidence":0.78393555,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.03925757482647896},{"word":"so","start":1024.625,"end":1025.125,"confidence":0.97802734,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0016016941517591476},{"word":"you","start":1025.265,"end":1025.345,"confidence":0.8154297,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.022360680624842644},{"word":"can't","start":1025.345,"end":1025.665,"confidence":0.9995117,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.020566146820783615},{"word":"really","start":1025.665,"end":1025.985,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.021877702325582504},{"word":"do","start":1025.985,"end":1026.225,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.03006163239479065},{"word":"a","start":1026.225,"end":1026.305,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03562150523066521},{"word":"lot","start":1026.305,"end":1026.545,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.042650867253541946},{"word":"in","start":1026.545,"end":1026.7051,"confidence":0.9892578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02093244343996048},{"word":"terms","start":1026.7051,"end":1026.865,"confidence":0.9980469,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.007892720401287079},{"word":"of","start":1026.865,"end":1027.265,"confidence":0.99560547,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.011414416134357452},{"word":"you","start":1027.265,"end":1027.505,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.021170075982809067},{"word":"know","start":1027.505,"end":1027.665,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.03139963001012802},{"word":"renovating","start":1027.665,"end":1028.165,"confidence":1.0,"punctuated_word":"renovating","sentiment":"neutral","sentiment_score":-0.016507308930158615},{"word":"swimming","start":1028.225,"end":1028.625,"confidence":0.9716797,"punctuated_word":"swimming","sentiment":"neutral","sentiment_score":-0.03226214647293091},{"word":"pool","start":1028.625,"end":1029.125,"confidence":0.671875,"punctuated_word":"pool.","sentiment":"neutral","sentiment_score":-0.03403206169605255},{"word":"but","start":1029.185,"end":1029.505,"confidence":0.99609375,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.009668467566370964},{"word":"winter","start":1029.505,"end":1029.985,"confidence":0.9536133,"punctuated_word":"winter","sentiment":"neutral","sentiment_score":0.0028378311544656754},{"word":"in","start":1029.985,"end":1030.145,"confidence":0.9589844,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06346768885850906},{"word":"karratha","start":1030.145,"end":1030.645,"confidence":0.9920247,"punctuated_word":"Karratha","sentiment":"neutral","sentiment_score":0.0728699266910553},{"word":"is","start":1030.7051,"end":1030.865,"confidence":0.8532715,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.09903916716575624},{"word":"like","start":1030.865,"end":1031.105,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08587022125720978},{"word":"the","start":1031.105,"end":1031.265,"confidence":0.94189453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07641638815402985},{"word":"perfect","start":1031.265,"end":1031.765,"confidence":1.0,"punctuated_word":"perfect","sentiment":"neutral","sentiment_score":0.2992245852947235},{"word":"climate","start":1032.145,"end":1032.645,"confidence":0.9448242,"punctuated_word":"climate","sentiment":"neutral","sentiment_score":0.2952631115913391},{"word":"to","start":1032.785,"end":1033.105,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1800416260957718},{"word":"do","start":1033.105,"end":1033.345,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.18192273378372192},{"word":"swimming","start":1033.345,"end":1033.745,"confidence":0.9790039,"punctuated_word":"swimming","sentiment":"neutral","sentiment_score":0.07479117810726166},{"word":"pool","start":1033.745,"end":1034.0651,"confidence":0.79052734,"punctuated_word":"pool.","sentiment":"neutral","sentiment_score":0.06056373193860054},{"word":"so","start":1034.0651,"end":1034.52,"confidence":0.921875,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.03502622991800308},{"word":"yeah","start":1035.0801,"end":1035.4,"confidence":0.92626953,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.03082592226564884},{"word":"so","start":1035.4,"end":1035.64,"confidence":0.99316406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.05074107274413109},{"word":"that's","start":1035.64,"end":1035.88,"confidence":0.97924805,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08052035421133041},{"word":"how","start":1035.88,"end":1036.12,"confidence":0.9086914,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.06183177977800369},{"word":"he","start":1036.12,"end":1036.2001,"confidence":0.62402344,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.0858711302280426},{"word":"sort","start":1036.2001,"end":1036.4401,"confidence":0.6196289,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.06105618923902512},{"word":"of","start":1036.4401,"end":1036.68,"confidence":0.9267578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07497387379407883},{"word":"puts","start":1036.68,"end":1036.92,"confidence":0.36450195,"punctuated_word":"puts","sentiment":"neutral","sentiment_score":0.0408848375082016},{"word":"his","start":1036.92,"end":1037.24,"confidence":0.9560547,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.06967659294605255},{"word":"time","start":1037.24,"end":1037.74,"confidence":0.7714844,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.07021772116422653},{"word":"and","start":1037.96,"end":1038.12,"confidence":0.98535156,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03051397018134594},{"word":"the","start":1038.12,"end":1038.28,"confidence":0.97998047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.024929620325565335},{"word":"same","start":1038.28,"end":1038.52,"confidence":0.99902344,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.028684396296739575},{"word":"thing","start":1038.52,"end":1038.68,"confidence":0.9980469,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.04683258756995201},{"word":"with","start":1038.68,"end":1039.0801,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.027161559090018272},{"word":"the","start":1039.0801,"end":1039.24,"confidence":0.9580078,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04243212938308716},{"word":"with","start":1039.24,"end":1039.4,"confidence":0.95703125,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04172302037477493},{"word":"the","start":1039.4,"end":1039.56,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05961745604872704},{"word":"free","start":1039.56,"end":1039.8,"confidence":0.8745117,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.06013946607708931},{"word":"diving","start":1039.8,"end":1040.2001,"confidence":0.99609375,"punctuated_word":"diving","sentiment":"neutral","sentiment_score":0.060997892171144485},{"word":"courses","start":1040.2001,"end":1040.6,"confidence":0.9970703,"punctuated_word":"courses","sentiment":"neutral","sentiment_score":0.04182349890470505},{"word":"because","start":1040.6,"end":1040.92,"confidence":0.61279297,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.038094714283943176},{"word":"the","start":1040.92,"end":1041.0801,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05092910677194595},{"word":"weather","start":1041.0801,"end":1041.4,"confidence":0.9892578,"punctuated_word":"weather","sentiment":"neutral","sentiment_score":0.04490040987730026},{"word":"here","start":1041.4,"end":1041.64,"confidence":0.7368164,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.06170475110411644},{"word":"and","start":1041.64,"end":1041.88,"confidence":0.47314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03850608319044113},{"word":"the","start":1041.88,"end":1042.04,"confidence":0.95947266,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04072204977273941},{"word":"water","start":1042.04,"end":1042.36,"confidence":0.5883789,"punctuated_word":"water","sentiment":"neutral","sentiment_score":0.04280178248882294},{"word":"gets","start":1042.36,"end":1042.6,"confidence":0.9941406,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.01859413832426071},{"word":"pretty","start":1042.6,"end":1042.84,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.018918156623840332},{"word":"cold","start":1042.84,"end":1043.16,"confidence":0.9970703,"punctuated_word":"cold","sentiment":"neutral","sentiment_score":0.0547311007976532},{"word":"down","start":1043.16,"end":1043.4,"confidence":0.97314453,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.032761067152023315},{"word":"in","start":1043.4,"end":1043.56,"confidence":0.9536133,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.025050712749361992},{"word":"perth","start":1043.56,"end":1043.96,"confidence":0.7416992,"punctuated_word":"Perth.","sentiment":"neutral","sentiment_score":0.03201542794704437},{"word":"so","start":1043.96,"end":1044.12,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03570631891489029},{"word":"he","start":1044.12,"end":1044.36,"confidence":0.9941406,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.05664824694395065},{"word":"goes","start":1044.36,"end":1044.6,"confidence":0.99902344,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.0413021445274353},{"word":"up","start":1044.6,"end":1044.76,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0531802698969841},{"word":"there","start":1044.76,"end":1045.26,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.061538659036159515},{"word":"and","start":1045.4,"end":1045.64,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.055508192628622055},{"word":"continues","start":1045.64,"end":1046.14,"confidence":0.94628906,"punctuated_word":"continues","sentiment":"neutral","sentiment_score":0.060026995837688446},{"word":"to","start":1046.36,"end":1046.68,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05411320924758911},{"word":"teach","start":1046.68,"end":1047.0,"confidence":0.93359375,"punctuated_word":"teach","sentiment":"neutral","sentiment_score":0.047092631459236145},{"word":"and","start":1047.0,"end":1047.16,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04609508067369461},{"word":"train","start":1047.16,"end":1047.4,"confidence":0.984375,"punctuated_word":"train","sentiment":"neutral","sentiment_score":0.04754253476858139},{"word":"up","start":1047.4,"end":1047.64,"confidence":0.95703125,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.04722311720252037},{"word":"there","start":1047.64,"end":1048.12,"confidence":0.99658203,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0502491295337677},{"word":"yep","start":1048.12,"end":1048.62,"confidence":0.95703125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.052011653780937195},{"word":"yeah","start":1055.445,"end":1055.9249,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0015793545171618462},{"word":"yeah","start":1055.9249,"end":1056.245,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0008851406164467335},{"word":"no","start":1056.245,"end":1056.565,"confidence":0.9760742,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.01786964014172554},{"word":"he'll","start":1056.565,"end":1056.8049,"confidence":0.9970703,"punctuated_word":"He'll","sentiment":"neutral","sentiment_score":-0.01784457266330719},{"word":"go","start":1056.8049,"end":1057.125,"confidence":0.99609375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.0067594051361083984},{"word":"he'll","start":1057.125,"end":1057.445,"confidence":0.88916016,"punctuated_word":"he'll","sentiment":"neutral","sentiment_score":-0.005560911260545254},{"word":"go","start":1057.445,"end":1057.605,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.0008990410715341568},{"word":"for","start":1057.605,"end":1057.7649,"confidence":0.9399414,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":-0.012149633839726448},{"word":"like","start":1057.7649,"end":1058.005,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.005650581791996956},{"word":"three","start":1058.005,"end":1058.1649,"confidence":0.9980469,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.006488697603344917},{"word":"weeks","start":1058.1649,"end":1058.6649,"confidence":1.0,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.0025330502539873123},{"word":"most","start":1059.5249,"end":1059.845,"confidence":0.75634766,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.0014654789119958878},{"word":"of","start":1059.845,"end":1060.005,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0007768869400024414},{"word":"the","start":1060.005,"end":1060.085,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.002949010580778122},{"word":"time","start":1060.085,"end":1060.4049,"confidence":0.8652344,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.00372371356934309},{"word":"yeah","start":1060.4049,"end":1060.8049,"confidence":0.99658203,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.0052180103957653046},{"word":"to","start":1060.8049,"end":1060.965,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0006852596998214722},{"word":"get","start":1060.965,"end":1061.2849,"confidence":0.98291016,"punctuated_word":"get,","sentiment":"neutral","sentiment_score":0.00015836022794246674},{"word":"you","start":1061.2849,"end":1061.445,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.008091330528259277},{"word":"know","start":1061.445,"end":1061.7649,"confidence":0.9975586,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0055083660408854485},{"word":"to","start":1061.7649,"end":1061.845,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01816227100789547},{"word":"get","start":1061.845,"end":1062.085,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.01352357305586338},{"word":"the","start":1062.085,"end":1062.245,"confidence":0.9428711,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03294380009174347},{"word":"value","start":1062.245,"end":1062.725,"confidence":0.98291016,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.03070824593305588},{"word":"of","start":1062.725,"end":1062.8849,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06240574270486832},{"word":"being","start":1062.8849,"end":1063.205,"confidence":0.9707031,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.07360398769378662},{"word":"up","start":1063.205,"end":1063.365,"confidence":0.86328125,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0715038999915123},{"word":"there","start":1063.365,"end":1063.865,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.08750845491886139},{"word":"because","start":1064.245,"end":1064.565,"confidence":0.6245117,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.04184825345873833},{"word":"he","start":1064.565,"end":1064.6449,"confidence":0.9941406,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.0441364049911499},{"word":"drives","start":1064.6449,"end":1065.1449,"confidence":0.9770508,"punctuated_word":"drives","sentiment":"neutral","sentiment_score":0.054941438138484955},{"word":"drives","start":1065.31,"end":1065.63,"confidence":0.7128906,"punctuated_word":"drives","sentiment":"neutral","sentiment_score":0.04543689638376236},{"word":"up","start":1065.63,"end":1065.7101,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.04023587703704834},{"word":"and","start":1065.7101,"end":1065.87,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02308552712202072},{"word":"down","start":1065.87,"end":1066.27,"confidence":0.96240234,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.026152649894356728},{"word":"so","start":1066.27,"end":1066.3501,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.019465476274490356},{"word":"yeah","start":1066.43,"end":1066.93,"confidence":0.9748535,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.035647355020046234},{"word":"yeah","start":1067.7101,"end":1068.2101,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06371424347162247},{"word":"yeah","start":1075.31,"end":1075.81,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2043351978063583},{"word":"yeah","start":1076.35,"end":1076.85,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09347645193338394},{"word":"yeah","start":1077.47,"end":1077.87,"confidence":0.9733887,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07139887660741806},{"word":"no","start":1077.87,"end":1078.11,"confidence":0.87475586,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.0007298029959201813},{"word":"that's","start":1078.11,"end":1078.43,"confidence":0.9104004,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.10306622087955476},{"word":"pretty","start":1078.43,"end":1078.67,"confidence":0.86572266,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.32936766743659973},{"word":"good","start":1078.67,"end":1079.17,"confidence":0.94262695,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.24931348860263824},{"word":"yes","start":1088.945,"end":1089.445,"confidence":0.98217773,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.015232282690703869},{"word":"yeah","start":1091.345,"end":1091.845,"confidence":0.86450195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.013389366678893566},{"word":"yeah","start":1098.7699,"end":1099.2699,"confidence":0.75634766,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0031040143221616745},{"word":"okay","start":1108.2899,"end":1108.665,"confidence":0.9724121,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04592151194810867},{"word":"sure","start":1109.2251,"end":1109.7251,"confidence":0.9914551,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.1375550925731659},{"word":"some","start":1116.985,"end":1117.2251,"confidence":0.2998047,"punctuated_word":"Some","sentiment":"neutral","sentiment_score":-0.08364567160606384},{"word":"of","start":1117.2251,"end":1117.305,"confidence":0.98535156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07973683625459671},{"word":"them","start":1117.305,"end":1117.4651,"confidence":0.70410156,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.1356438845396042},{"word":"are","start":1117.4651,"end":1117.9651,"confidence":0.7805176,"punctuated_word":"are.","sentiment":"neutral","sentiment_score":-0.08830622583627701},{"word":"okay","start":1121.305,"end":1121.805,"confidence":0.94921875,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.17727622389793396},{"word":"yes","start":1123.0,"end":1123.5,"confidence":0.99365234,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2159646302461624},{"word":"mhmm","start":1130.52,"end":1131.02,"confidence":0.9949951,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.017232149839401245},{"word":"yeah","start":1140.4149,"end":1140.9149,"confidence":0.82543945,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07458308339118958},{"word":"so","start":1142.335,"end":1142.835,"confidence":0.94189453,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1508970856666565},{"word":"yeah","start":1153.7749,"end":1154.16,"confidence":0.782959,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.10954752564430235},{"word":"yeah","start":1154.3201,"end":1154.64,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.263158917427063},{"word":"that","start":1154.64,"end":1154.88,"confidence":0.9980469,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.5823131799697876},{"word":"sounds","start":1154.88,"end":1155.2001,"confidence":0.9921875,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.7155724763870239},{"word":"great","start":1155.2001,"end":1155.7001,"confidence":0.9519043,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.7470247149467468},{"word":"mhmm","start":1173.075,"end":1173.575,"confidence":0.9935303,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.011586369946599008},{"word":"no","start":1179.715,"end":1179.955,"confidence":0.9616699,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.16659292578697205},{"word":"i","start":1179.955,"end":1180.195,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16777661442756653},{"word":"i","start":1180.195,"end":1180.2749,"confidence":0.88964844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17144325375556946},{"word":"don't","start":1180.2749,"end":1180.515,"confidence":0.9980469,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.16445514559745789},{"word":"think","start":1180.515,"end":1180.755,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.2117086499929428},{"word":"so","start":1180.755,"end":1181.255,"confidence":0.99902344,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":-0.150954931974411},{"word":"yeah","start":1202.175,"end":1202.675,"confidence":0.7619629,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.20348741114139557},{"word":"i","start":1202.735,"end":1202.895,"confidence":0.98535156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24261988699436188},{"word":"mean","start":1202.895,"end":1203.0549,"confidence":0.88842773,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.22849076986312863},{"word":"i","start":1203.0549,"end":1203.215,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3376229405403137},{"word":"think","start":1203.215,"end":1203.455,"confidence":0.99902344,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.3504810333251953},{"word":"i'm","start":1203.455,"end":1203.775,"confidence":0.9921875,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4286797046661377},{"word":"i'm","start":1203.775,"end":1204.015,"confidence":0.98999023,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4691005349159241},{"word":"pretty","start":1204.015,"end":1204.415,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.4252292513847351},{"word":"confident","start":1204.415,"end":1204.915,"confidence":1.0,"punctuated_word":"confident","sentiment":"neutral","sentiment_score":0.2920435965061188},{"word":"that","start":1204.975,"end":1205.295,"confidence":0.984375,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.33863499760627747},{"word":"you","start":1205.295,"end":1205.455,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.40515372157096863},{"word":"know","start":1205.455,"end":1205.695,"confidence":0.99658203,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.4105178117752075},{"word":"it","start":1205.695,"end":1205.775,"confidence":0.6088867,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4727548360824585},{"word":"will","start":1205.775,"end":1206.015,"confidence":0.89990234,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.47430336475372314},{"word":"just","start":1206.015,"end":1206.255,"confidence":0.97802734,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4154775142669678},{"word":"continue","start":1206.255,"end":1206.735,"confidence":0.9770508,"punctuated_word":"continue","sentiment":"positive","sentiment_score":0.5024166107177734},{"word":"to","start":1206.735,"end":1206.975,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5004842281341553},{"word":"grow","start":1206.975,"end":1207.475,"confidence":0.9230957,"punctuated_word":"grow.","sentiment":"positive","sentiment_score":0.4531102478504181},{"word":"and","start":1208.255,"end":1208.495,"confidence":0.91503906,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08965970575809479},{"word":"so","start":1208.495,"end":1208.815,"confidence":0.97265625,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08291742205619812},{"word":"even","start":1208.815,"end":1209.135,"confidence":0.98535156,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.07812520861625671},{"word":"yes","start":1209.215,"end":1209.535,"confidence":0.88720703,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":-0.006286065559834242},{"word":"if","start":1209.535,"end":1209.695,"confidence":0.28588867,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.022234121337532997},{"word":"there","start":1209.695,"end":1209.935,"confidence":0.9873047,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.02663969993591309},{"word":"are","start":1209.935,"end":1210.175,"confidence":0.91625977,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":-0.02294236049056053},{"word":"like","start":1210.175,"end":1210.575,"confidence":0.9926758,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.01913120225071907},{"word":"those","start":1210.575,"end":1210.895,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.01273583434522152},{"word":"kinds","start":1210.895,"end":1211.135,"confidence":0.9482422,"punctuated_word":"kinds","sentiment":"neutral","sentiment_score":-0.04372761398553848},{"word":"of","start":1211.135,"end":1211.295,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04277084767818451},{"word":"debts","start":1211.295,"end":1211.795,"confidence":0.6159668,"punctuated_word":"debts,","sentiment":"neutral","sentiment_score":-0.048330288380384445},{"word":"overall","start":1213.97,"end":1214.13,"confidence":0.9855957,"punctuated_word":"overall,","sentiment":"neutral","sentiment_score":-0.02819919586181641},{"word":"you","start":1214.13,"end":1214.2899,"confidence":0.9790039,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0105891153216362},{"word":"know","start":1214.2899,"end":1214.5299,"confidence":0.99609375,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.01636996865272522},{"word":"if","start":1214.5299,"end":1214.69,"confidence":0.9165039,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.001477428711950779},{"word":"you","start":1214.69,"end":1214.85,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.002916453406214714},{"word":"look","start":1214.85,"end":1215.09,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.004327373579144478},{"word":"at","start":1215.09,"end":1215.33,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.00932048074901104},{"word":"the","start":1215.33,"end":1215.83,"confidence":0.91259766,"punctuated_word":"the,","sentiment":"neutral","sentiment_score":-0.0038666371256113057},{"word":"you","start":1216.69,"end":1216.85,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.006733551621437073},{"word":"know","start":1216.85,"end":1217.35,"confidence":0.96972656,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.002903955988585949},{"word":"the","start":1217.57,"end":1217.8099,"confidence":0.5683594,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0009525902569293976},{"word":"the","start":1217.8099,"end":1217.89,"confidence":0.35205078,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.000317208468914032},{"word":"long","start":1217.89,"end":1218.13,"confidence":0.6074219,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.005578136071562767},{"word":"i've","start":1218.13,"end":1218.37,"confidence":0.9511719,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.007240001112222672},{"word":"been","start":1218.37,"end":1218.87,"confidence":0.9921875,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.002871500328183174},{"word":"having","start":1218.9299,"end":1219.4099,"confidence":0.9633789,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.012099230661988258},{"word":"earning","start":1219.4099,"end":1219.73,"confidence":0.3154297,"punctuated_word":"earning","sentiment":"neutral","sentiment_score":0.015304692089557648},{"word":"super","start":1219.73,"end":1220.0499,"confidence":0.8076172,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.023009728640317917},{"word":"and","start":1220.0499,"end":1220.21,"confidence":0.9580078,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.007087031379342079},{"word":"whatnot","start":1220.21,"end":1220.71,"confidence":0.9436849,"punctuated_word":"whatnot,","sentiment":"neutral","sentiment_score":0.006640372332185507},{"word":"the","start":1221.57,"end":1222.07,"confidence":0.96435547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1292828470468521},{"word":"the","start":1222.85,"end":1223.01,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14844992756843567},{"word":"growth","start":1223.01,"end":1223.4099,"confidence":0.76708984,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2213008403778076},{"word":"has","start":1223.4099,"end":1223.73,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.2207943499088287},{"word":"has","start":1223.73,"end":1224.0499,"confidence":0.9863281,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.2684023976325989},{"word":"been","start":1224.0499,"end":1224.37,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.286154568195343},{"word":"steady","start":1224.37,"end":1224.77,"confidence":0.9921875,"punctuated_word":"steady","sentiment":"positive","sentiment_score":0.36749038100242615},{"word":"and","start":1224.77,"end":1225.01,"confidence":0.5131836,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2306518405675888},{"word":"it's","start":1225.01,"end":1225.1699,"confidence":0.8532715,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.24349908530712128},{"word":"it","start":1225.25,"end":1225.4099,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2212597131729126},{"word":"has","start":1225.4099,"end":1225.6499,"confidence":0.9980469,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.2098436653614044},{"word":"been","start":1225.6499,"end":1225.8099,"confidence":0.99609375,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.17738042771816254},{"word":"you","start":1225.89,"end":1226.0499,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.060942716896533966},{"word":"know","start":1226.0499,"end":1226.2899,"confidence":0.80859375,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.06345732510089874},{"word":"so","start":1226.2899,"end":1226.45,"confidence":0.9301758,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.06527317315340042},{"word":"even","start":1226.45,"end":1226.69,"confidence":0.99902344,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.045853391289711},{"word":"when","start":1226.69,"end":1226.9299,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.039225779473781586},{"word":"there's","start":1226.9299,"end":1227.1699,"confidence":0.80249023,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.03793690353631973},{"word":"been","start":1227.1699,"end":1227.4099,"confidence":0.98535156,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.04725039750337601},{"word":"those","start":1227.4099,"end":1227.57,"confidence":0.7915039,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.031703781336545944},{"word":"debts","start":1227.57,"end":1227.855,"confidence":0.890625,"punctuated_word":"debts","sentiment":"neutral","sentiment_score":-0.031730227172374725},{"word":"sort","start":1228.015,"end":1228.1749,"confidence":0.9536133,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.014784850180149078},{"word":"of","start":1228.1749,"end":1228.335,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.038627989590168},{"word":"corrected","start":1228.335,"end":1228.815,"confidence":0.984375,"punctuated_word":"corrected","sentiment":"neutral","sentiment_score":0.045460961759090424},{"word":"and","start":1228.815,"end":1229.0549,"confidence":0.8144531,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.017362091690301895},{"word":"then","start":1229.0549,"end":1229.2949,"confidence":0.92871094,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.028323357924818993},{"word":"yeah","start":1229.2949,"end":1229.615,"confidence":0.99609375,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.04009005427360535},{"word":"continued","start":1229.615,"end":1230.115,"confidence":0.78881836,"punctuated_word":"continued.","sentiment":"neutral","sentiment_score":0.055093999952077866},{"word":"so","start":1230.335,"end":1230.815,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03036162629723549},{"word":"i","start":1230.815,"end":1230.975,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.033252038061618805},{"word":"understand","start":1230.975,"end":1231.475,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.018039733171463013},{"word":"that","start":1231.535,"end":1231.855,"confidence":0.97094727,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.005849044770002365},{"word":"you","start":1231.855,"end":1232.355,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0016147904098033905},{"word":"know","start":1232.495,"end":1232.575,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.014193020761013033},{"word":"more","start":1232.575,"end":1233.075,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.031244903802871704},{"word":"kind","start":1233.2949,"end":1233.535,"confidence":0.9707031,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.0422973595559597},{"word":"of","start":1233.535,"end":1233.775,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02987850457429886},{"word":"macroeconomic","start":1233.775,"end":1234.275,"confidence":0.9838867,"punctuated_word":"macroeconomic","sentiment":"neutral","sentiment_score":-0.006085820496082306},{"word":"things","start":1236.255,"end":1236.575,"confidence":0.921875,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.05919821560382843},{"word":"can","start":1236.575,"end":1236.815,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.04008130729198456},{"word":"impact","start":1236.815,"end":1237.215,"confidence":1.0,"punctuated_word":"impact","sentiment":"neutral","sentiment_score":-0.04612717404961586},{"word":"on","start":1237.215,"end":1237.375,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.03608051314949989},{"word":"it","start":1237.375,"end":1237.695,"confidence":0.92578125,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.026627376675605777},{"word":"which","start":1237.695,"end":1237.9349,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.02623942121863365},{"word":"is","start":1237.9349,"end":1238.095,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.033406324684619904},{"word":"obviously","start":1238.095,"end":1238.595,"confidence":0.9580078,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.009449537843465803},{"word":"not","start":1238.655,"end":1238.895,"confidence":0.9902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1274455338716507},{"word":"within","start":1238.895,"end":1239.2949,"confidence":0.97314453,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.1126994788646698},{"word":"anyone's","start":1239.2949,"end":1239.7949,"confidence":0.9980469,"punctuated_word":"anyone's","sentiment":"neutral","sentiment_score":-0.1155885010957718},{"word":"control","start":1239.855,"end":1240.355,"confidence":0.951416,"punctuated_word":"control.","sentiment":"neutral","sentiment_score":-0.1968950480222702},{"word":"but","start":1240.655,"end":1240.895,"confidence":0.91015625,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.017315715551376343},{"word":"for","start":1240.895,"end":1241.0549,"confidence":0.9716797,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.01550813764333725},{"word":"the","start":1241.0549,"end":1241.215,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04237612709403038},{"word":"most","start":1241.215,"end":1241.535,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.06931565701961517},{"word":"part","start":1241.535,"end":1242.015,"confidence":0.9980469,"punctuated_word":"part,","sentiment":"neutral","sentiment_score":0.13199767470359802},{"word":"like","start":1242.015,"end":1242.515,"confidence":0.98950195,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.11784320324659348},{"word":"if","start":1242.8201,"end":1243.06,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14946860074996948},{"word":"things","start":1243.06,"end":1243.56,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.15440887212753296},{"word":"continue","start":1243.7001,"end":1244.2001,"confidence":0.9790039,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":0.2225213646888733},{"word":"to","start":1244.42,"end":1244.5,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18630488216876984},{"word":"be","start":1244.5,"end":1244.66,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.14171725511550903},{"word":"relatively","start":1244.66,"end":1245.16,"confidence":1.0,"punctuated_word":"relatively","sentiment":"neutral","sentiment_score":0.20926029980182648},{"word":"stable","start":1245.2201,"end":1245.7201,"confidence":0.9416504,"punctuated_word":"stable,","sentiment":"neutral","sentiment_score":0.19319134950637817},{"word":"then","start":1246.66,"end":1246.9,"confidence":0.82788086,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.1263156235218048},{"word":"yeah","start":1246.9,"end":1247.3,"confidence":0.97021484,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.1649591624736786},{"word":"i'm","start":1247.3,"end":1247.62,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.20989558100700376},{"word":"i'm","start":1247.62,"end":1247.78,"confidence":0.9597168,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2223063558340073},{"word":"not","start":1247.78,"end":1248.02,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.13005338609218595},{"word":"concerned","start":1248.02,"end":1248.3401,"confidence":0.99316406,"punctuated_word":"concerned","sentiment":"neutral","sentiment_score":0.06909831613302231},{"word":"that","start":1248.3401,"end":1248.5801,"confidence":0.9667969,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13753145933151245},{"word":"by","start":1248.5801,"end":1248.66,"confidence":0.96240234,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.11772408336400986},{"word":"the","start":1248.66,"end":1248.8201,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19205504655838013},{"word":"time","start":1248.8201,"end":1248.98,"confidence":0.8774414,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1568284034729004},{"word":"i","start":1248.98,"end":1249.14,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1395993530750275},{"word":"retire","start":1249.14,"end":1249.62,"confidence":0.9104004,"punctuated_word":"retire,","sentiment":"neutral","sentiment_score":0.12637585401535034},{"word":"i'm","start":1249.62,"end":1249.78,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.14651183784008026},{"word":"pretty","start":1249.78,"end":1250.1,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.09053270518779756},{"word":"sure","start":1250.1,"end":1250.42,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.10883906483650208},{"word":"there'll","start":1250.42,"end":1250.9,"confidence":0.8774414,"punctuated_word":"there'll","sentiment":"neutral","sentiment_score":0.16431446373462677},{"word":"be","start":1250.9,"end":1251.14,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1624024510383606},{"word":"plenty","start":1251.14,"end":1251.64,"confidence":0.9995117,"punctuated_word":"plenty.","sentiment":"neutral","sentiment_score":0.10026533901691435},{"word":"yeah","start":1252.66,"end":1253.16,"confidence":0.9645996,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3410642743110657},{"word":"yeah","start":1269.125,"end":1269.625,"confidence":0.9885254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.21264083683490753},{"word":"i","start":1270.0399,"end":1270.12,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.266273558139801},{"word":"think","start":1270.12,"end":1270.36,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.3183356523513794},{"word":"i'm","start":1270.36,"end":1270.84,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2861192226409912},{"word":"i'm","start":1270.84,"end":1271.1599,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.48666858673095703},{"word":"i'm","start":1271.1599,"end":1271.32,"confidence":0.99560547,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.58187335729599},{"word":"happy","start":1271.32,"end":1271.72,"confidence":0.99902344,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.5596232414245605},{"word":"to","start":1271.72,"end":1271.7999,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5714723467826843},{"word":"keep","start":1271.7999,"end":1272.0399,"confidence":1.0,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.6179834008216858},{"word":"things","start":1272.0399,"end":1272.44,"confidence":1.0,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.5486013889312744},{"word":"as","start":1272.44,"end":1272.6799,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.6015171408653259},{"word":"they","start":1272.6799,"end":1272.9199,"confidence":1.0,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.4976314902305603},{"word":"are","start":1272.9199,"end":1273.24,"confidence":0.86987305,"punctuated_word":"are.","sentiment":"positive","sentiment_score":0.41734737157821655},{"word":"so","start":1273.24,"end":1273.64,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08215798437595367},{"word":"probably","start":1273.64,"end":1274.0399,"confidence":0.8120117,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.11718043684959412},{"word":"yeah","start":1274.2,"end":1274.7,"confidence":0.99316406,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.061335451900959015},{"word":"just","start":1274.76,"end":1275.0,"confidence":0.9892578,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.03136402368545532},{"word":"given","start":1275.0,"end":1275.3999,"confidence":0.94970703,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.025467287749052048},{"word":"yeah","start":1275.48,"end":1275.98,"confidence":0.9819336,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.027604486793279648},{"word":"some","start":1276.44,"end":1276.6799,"confidence":0.9633789,"punctuated_word":"Some","sentiment":"neutral","sentiment_score":0.014092203229665756},{"word":"of","start":1276.6799,"end":1276.84,"confidence":0.9838867,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.011724293231964111},{"word":"the","start":1276.84,"end":1277.34,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.003999423235654831},{"word":"the","start":1277.48,"end":1277.72,"confidence":0.90722656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0005932599306106567},{"word":"things","start":1277.72,"end":1278.0399,"confidence":0.99609375,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.010215695947408676},{"word":"going","start":1278.0399,"end":1278.2799,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.012001294642686844},{"word":"on","start":1278.2799,"end":1278.52,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.00484861433506012},{"word":"in","start":1278.52,"end":1278.6,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.004069909453392029},{"word":"the","start":1278.6,"end":1278.6799,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00491778552532196},{"word":"world","start":1278.6799,"end":1279.0,"confidence":0.9980469,"punctuated_word":"world","sentiment":"neutral","sentiment_score":0.012194320559501648},{"word":"at","start":1279.0,"end":1279.1599,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.020926907658576965},{"word":"the","start":1279.1599,"end":1279.32,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0041991546750068665},{"word":"moment","start":1279.32,"end":1279.72,"confidence":0.75878906,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.013437975198030472},{"word":"i'll","start":1279.72,"end":1279.96,"confidence":0.99316406,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.020702632144093513},{"word":"probably","start":1279.96,"end":1280.44,"confidence":0.8408203,"punctuated_word":"probably,","sentiment":"neutral","sentiment_score":0.01972760446369648},{"word":"yeah","start":1280.44,"end":1280.76,"confidence":0.99560547,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.014833835884928703},{"word":"just","start":1280.76,"end":1281.0,"confidence":0.9790039,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.016095608472824097},{"word":"continue","start":1281.0,"end":1281.48,"confidence":0.9941406,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":0.021514050662517548},{"word":"to","start":1281.48,"end":1281.5599,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02109593152999878},{"word":"be","start":1281.5599,"end":1281.72,"confidence":0.984375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.001370742917060852},{"word":"a","start":1281.72,"end":1281.7999,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.001379057765007019},{"word":"bit","start":1281.7999,"end":1281.96,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.01945369690656662},{"word":"more","start":1281.96,"end":1282.2,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.03656850755214691},{"word":"conservative","start":1282.2,"end":1282.7,"confidence":0.99658203,"punctuated_word":"conservative.","sentiment":"neutral","sentiment_score":0.02114526554942131},{"word":"yeah","start":1283.1599,"end":1283.6599,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.036866024136543274},{"word":"yes","start":1297.365,"end":1297.865,"confidence":0.97265625,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.005399264395236969},{"word":"yes","start":1300.75,"end":1301.25,"confidence":0.8425293,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.00039703771471977234},{"word":"yeah","start":1303.7899,"end":1304.2899,"confidence":0.9777832,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0040543340146541595},{"word":"in","start":1304.59,"end":1304.75,"confidence":0.890625,"punctuated_word":"In","sentiment":"neutral","sentiment_score":-0.001557566225528717},{"word":"the","start":1304.75,"end":1304.9099,"confidence":0.94970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0022711530327796936},{"word":"middle","start":1304.9099,"end":1305.3099,"confidence":0.9941406,"punctuated_word":"middle.","sentiment":"neutral","sentiment_score":0.008726615458726883},{"word":"yeah","start":1305.3099,"end":1305.7899,"confidence":0.9645996,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.009226175956428053},{"word":"yeah","start":1305.7899,"end":1306.2899,"confidence":0.9501953,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01068478636443615},{"word":"yeah","start":1306.99,"end":1307.49,"confidence":0.94799805,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04760035127401352},{"word":"yes","start":1317.395,"end":1317.895,"confidence":0.892334,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.010731571353971958},{"word":"yes","start":1322.035,"end":1322.535,"confidence":0.8937988,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1349371075630188},{"word":"yes","start":1329.61,"end":1330.11,"confidence":0.95751953,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.18369469046592712},{"word":"mhmm","start":1337.21,"end":1337.71,"confidence":0.9929199,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.30444788932800293},{"word":"yes","start":1343.975,"end":1344.475,"confidence":0.8515625,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.21774470806121823},{"word":"yes","start":1354.27,"end":1354.77,"confidence":0.9633789,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.6343162059783936},{"word":"yes","start":1357.55,"end":1358.05,"confidence":0.984375,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.34316378831863403},{"word":"mhmm","start":1380.805,"end":1380.885,"confidence":0.90844727,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.09433133900165558},{"word":"yep","start":1380.885,"end":1381.385,"confidence":0.9838867,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12231487035751344},{"word":"yeah","start":1389.9199,"end":1390.4199,"confidence":0.7442627,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1492180973291397},{"word":"yeah","start":1390.48,"end":1390.8799,"confidence":0.920166,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.24234509468078613},{"word":"sounds","start":1390.8799,"end":1391.2799,"confidence":0.6166992,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.5278841853141785},{"word":"good","start":1391.2799,"end":1391.7799,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5065346956253052},{"word":"mhmm","start":1409.845,"end":1410.345,"confidence":0.9169922,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.014170369133353232},{"word":"yes","start":1423.3401,"end":1423.785,"confidence":0.9875488,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04329333081841469},{"word":"let","start":1440.41,"end":1440.73,"confidence":0.9790039,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.009252028539776802},{"word":"me","start":1440.73,"end":1440.9701,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.00907774455845356},{"word":"just","start":1440.9701,"end":1441.4501,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.011450286954641342},{"word":"have","start":1441.4501,"end":1441.6901,"confidence":0.98535156,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.00968652218580246},{"word":"a","start":1441.6901,"end":1441.85,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.009262006729841232},{"word":"quick","start":1441.85,"end":1442.17,"confidence":0.9980469,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.01511811837553978},{"word":"look","start":1442.17,"end":1442.67,"confidence":0.9921875,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.018697120249271393},{"word":"i'll","start":1444.41,"end":1444.5701,"confidence":0.9777832,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.06045665591955185},{"word":"just","start":1444.5701,"end":1444.89,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07107754796743393},{"word":"jump","start":1444.89,"end":1445.29,"confidence":0.9873047,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.08009990304708481},{"word":"on","start":1445.29,"end":1445.53,"confidence":0.55908203,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06104409694671631},{"word":"to","start":1445.53,"end":1446.03,"confidence":0.9819336,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05698167160153389},{"word":"my","start":1446.89,"end":1447.05,"confidence":0.97509766,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.048542555421590805},{"word":"home","start":1447.05,"end":1447.37,"confidence":0.83740234,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.050157640129327774},{"word":"loans","start":1447.37,"end":1447.87,"confidence":0.8713379,"punctuated_word":"loans.","sentiment":"neutral","sentiment_score":0.04157513752579689},{"word":"okay","start":1449.29,"end":1449.77,"confidence":0.9812012,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.019654937088489532},{"word":"so","start":1449.77,"end":1450.0901,"confidence":0.9892578,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.01101379096508026},{"word":"sorry","start":1450.0901,"end":1450.49,"confidence":0.81640625,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.03289139270782471},{"word":"say","start":1450.49,"end":1450.73,"confidence":0.97998047,"punctuated_word":"Say","sentiment":"neutral","sentiment_score":-0.02792016603052616},{"word":"that","start":1450.73,"end":1450.89,"confidence":0.90234375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02607426419854164},{"word":"again","start":1450.89,"end":1451.39,"confidence":0.87939453,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":-0.026820048689842224},{"word":"the","start":1451.53,"end":1452.03,"confidence":0.5131836,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.02681373432278633},{"word":"for","start":1457.655,"end":1458.135,"confidence":0.9921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0036478210240602498},{"word":"the","start":1458.135,"end":1458.295,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0008503571152687073},{"word":"woodvale","start":1458.295,"end":1458.775,"confidence":0.9897461,"punctuated_word":"Woodvale","sentiment":"neutral","sentiment_score":-0.0019748294726014137},{"word":"property","start":1458.775,"end":1459.275,"confidence":0.8041992,"punctuated_word":"property?","sentiment":"neutral","sentiment_score":0.0006375988014042377},{"word":"yeah","start":1462.375,"end":1462.875,"confidence":0.9904785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.007802669424563646},{"word":"no","start":1463.495,"end":1463.815,"confidence":0.9165039,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06662161648273468},{"word":"so","start":1463.815,"end":1464.0549,"confidence":0.89990234,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04409780353307724},{"word":"that","start":1464.0549,"end":1464.455,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.038770414888858795},{"word":"is","start":1464.455,"end":1464.955,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04778141528367996},{"word":"we","start":1465.49,"end":1465.99,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.04212956130504608},{"word":"are","start":1466.13,"end":1466.37,"confidence":0.99316406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.03954590857028961},{"word":"about","start":1466.37,"end":1466.77,"confidence":0.9667969,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.04823410138487816},{"word":"400,000","start":1466.77,"end":1467.7301,"confidence":0.9996745,"punctuated_word":"400,000","sentiment":"neutral","sentiment_score":-0.008525467477738857},{"word":"on","start":1467.7301,"end":1467.89,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.01722392439842224},{"word":"that","start":1467.89,"end":1468.05,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.015392199158668518},{"word":"one","start":1468.05,"end":1468.55,"confidence":1.0,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.025595296174287796},{"word":"it's","start":1471.7301,"end":1472.05,"confidence":0.88427734,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.22562727332115173},{"word":"yeah","start":1472.13,"end":1472.37,"confidence":0.99365234,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.15520641207695007},{"word":"it's","start":1472.37,"end":1472.6901,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.051502227783203125},{"word":"it's","start":1472.6901,"end":1472.93,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.09921934455633163},{"word":"not","start":1472.93,"end":1473.25,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.12987878918647766},{"word":"really","start":1473.25,"end":1473.5701,"confidence":0.92944336,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.13357903063297272},{"word":"we","start":1473.5701,"end":1473.7301,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.13625019788742063},{"word":"just","start":1473.7301,"end":1473.89,"confidence":0.9921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.119627445936203},{"word":"shuffle","start":1473.89,"end":1474.29,"confidence":0.9658203,"punctuated_word":"shuffle","sentiment":"neutral","sentiment_score":-0.10535047948360445},{"word":"things","start":1474.29,"end":1474.53,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.06862285733222961},{"word":"around","start":1474.53,"end":1475.03,"confidence":0.99853516,"punctuated_word":"around.","sentiment":"neutral","sentiment_score":-0.04049629718065262},{"word":"yeah","start":1485.645,"end":1485.9651,"confidence":0.8540039,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.014998916536569595},{"word":"so","start":1485.9651,"end":1486.125,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.00930735096335411},{"word":"that's","start":1486.125,"end":1486.365,"confidence":0.93481445,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.01868520677089691},{"word":"that","start":1486.4451,"end":1486.685,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.009353239089250565},{"word":"one's","start":1486.685,"end":1487.185,"confidence":0.7915039,"punctuated_word":"one's","sentiment":"neutral","sentiment_score":-0.0057023875415325165},{"word":"it's","start":1487.405,"end":1487.645,"confidence":0.9890137,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.020693127065896988},{"word":"gone","start":1487.645,"end":1487.9651,"confidence":0.97314453,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.023124486207962036},{"word":"up","start":1487.9651,"end":1488.2051,"confidence":0.95654297,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.0032335612922906876},{"word":"so","start":1488.2051,"end":1488.365,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03585617244243622},{"word":"we've","start":1488.365,"end":1488.685,"confidence":0.92993164,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.03101305477321148},{"word":"we've","start":1488.685,"end":1488.925,"confidence":0.9941406,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.05518610402941704},{"word":"put","start":1488.925,"end":1489.165,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.04055744782090187},{"word":"money","start":1489.165,"end":1489.5651,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.041247256100177765},{"word":"we've","start":1489.885,"end":1490.2051,"confidence":0.9904785,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.0340060293674469},{"word":"taken","start":1490.2051,"end":1490.4451,"confidence":0.99902344,"punctuated_word":"taken","sentiment":"neutral","sentiment_score":0.01386941224336624},{"word":"money","start":1490.4451,"end":1490.765,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.011815346777439116},{"word":"out","start":1490.765,"end":1490.925,"confidence":0.9970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.00610070675611496},{"word":"of","start":1490.925,"end":1491.005,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.004240125417709351},{"word":"our","start":1491.005,"end":1491.165,"confidence":0.7709961,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.019579097628593445},{"word":"investment","start":1491.165,"end":1491.5651,"confidence":0.6640625,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.01182221621274948},{"word":"properties","start":1491.5651,"end":1491.9651,"confidence":0.9970703,"punctuated_word":"properties","sentiment":"neutral","sentiment_score":-0.015223391354084017},{"word":"to","start":1491.9651,"end":1492.045,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.023783139884471893},{"word":"put","start":1492.045,"end":1492.285,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.04432644695043564},{"word":"into","start":1492.285,"end":1492.525,"confidence":0.8364258,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0531233623623848},{"word":"the","start":1492.525,"end":1492.685,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05037536844611168},{"word":"house","start":1492.685,"end":1492.98,"confidence":0.77319336,"punctuated_word":"house,","sentiment":"neutral","sentiment_score":0.0522787868976593},{"word":"into","start":1493.14,"end":1493.46,"confidence":0.99316406,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.030707910656929016},{"word":"our","start":1493.46,"end":1493.62,"confidence":0.9741211,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.04425312951207161},{"word":"own","start":1493.62,"end":1493.94,"confidence":0.7421875,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.02197246253490448},{"word":"occupied","start":1493.94,"end":1494.26,"confidence":0.9633789,"punctuated_word":"occupied","sentiment":"neutral","sentiment_score":-0.0024372562766075134},{"word":"because","start":1494.26,"end":1494.58,"confidence":0.70458984,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.03438389673829079},{"word":"we","start":1494.58,"end":1494.74,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.034365590661764145},{"word":"don't","start":1494.74,"end":1494.98,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.03270009160041809},{"word":"make","start":1494.98,"end":1495.14,"confidence":0.99316406,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.07150481641292572},{"word":"any","start":1495.14,"end":1495.46,"confidence":0.8720703,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.038711994886398315},{"word":"money","start":1495.46,"end":1495.62,"confidence":0.99902344,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.06124297529459},{"word":"on","start":1495.62,"end":1495.78,"confidence":0.99316406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.06148955225944519},{"word":"that","start":1495.78,"end":1496.28,"confidence":0.9692383,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.004605527967214584},{"word":"so","start":1496.58,"end":1496.82,"confidence":0.90771484,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06330480426549911},{"word":"the","start":1496.82,"end":1496.98,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.061959654092788696},{"word":"heathridge","start":1496.98,"end":1497.48,"confidence":0.81624347,"punctuated_word":"Heathridge,","sentiment":"neutral","sentiment_score":0.08797137439250946},{"word":"the","start":1497.94,"end":1498.26,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0657433271408081},{"word":"entry","start":1498.26,"end":1498.76,"confidence":0.25317383,"punctuated_word":"entry","sentiment":"neutral","sentiment_score":0.06619115173816681},{"word":"one","start":1498.82,"end":1499.14,"confidence":0.9873047,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06958851963281631},{"word":"is","start":1499.14,"end":1499.46,"confidence":0.9536133,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07187450677156448},{"word":"660","start":1499.46,"end":1500.6799,"confidence":0.9875488,"punctuated_word":"660.","sentiment":"neutral","sentiment_score":0.07333530485630035},{"word":"yep","start":1503.38,"end":1503.88,"confidence":0.96606445,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10899853706359865},{"word":"yeah","start":1508.905,"end":1509.225,"confidence":0.9641113,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06971478462219238},{"word":"that's","start":1509.225,"end":1509.545,"confidence":0.9970703,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0825938880443573},{"word":"i","start":1509.625,"end":1509.785,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07246915996074677},{"word":"mean","start":1509.785,"end":1510.025,"confidence":0.7883301,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.08554957062005997},{"word":"yeah","start":1510.025,"end":1510.265,"confidence":0.828125,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.09893044829368591},{"word":"it's","start":1510.265,"end":1510.585,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.07656650245189667},{"word":"$5.13","start":1510.585,"end":1511.385,"confidence":0.9663086,"punctuated_word":"$5.13","sentiment":"neutral","sentiment_score":0.09113706648349762},{"word":"now","start":1511.385,"end":1511.785,"confidence":0.8977051,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.08522628247737885},{"word":"so","start":1511.785,"end":1512.025,"confidence":0.7459717,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.16035887598991394},{"word":"yep","start":1512.025,"end":1512.505,"confidence":0.82373047,"punctuated_word":"yep,","sentiment":"neutral","sentiment_score":0.18996678292751312},{"word":"that's","start":1512.505,"end":1512.825,"confidence":0.9975586,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2218589782714844},{"word":"pretty","start":1512.825,"end":1513.145,"confidence":0.9580078,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.2170427143573761},{"word":"accurate","start":1513.145,"end":1513.625,"confidence":0.9975586,"punctuated_word":"accurate.","sentiment":"neutral","sentiment_score":0.1332569718360901},{"word":"yeah","start":1513.625,"end":1514.125,"confidence":0.98950195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06983253359794617},{"word":"so","start":1514.345,"end":1514.465,"confidence":0.8989258,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.057067081332206726},{"word":"yeah","start":1514.585,"end":1514.625,"confidence":0.97802734,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.06615092605352402},{"word":"so","start":1514.625,"end":1514.665,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.056082602590322495},{"word":"mhmm","start":1518.985,"end":1519.485,"confidence":0.91625977,"punctuated_word":"mhmm.","sentiment":"neutral","sentiment_score":0.03664572909474373},{"word":"yeah","start":1523.465,"end":1523.965,"confidence":0.74902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01526581309735775},{"word":"yeah","start":1534.6799,"end":1534.76,"confidence":0.7763672,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0022075623273849487},{"word":"yeah","start":1534.76,"end":1535.26,"confidence":0.9748535,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.000211251899600029},{"word":"yeah","start":1537.7999,"end":1537.96,"confidence":0.9538574,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07009845972061157},{"word":"no","start":1537.96,"end":1538.2,"confidence":0.98217773,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.20536935329437256},{"word":"we","start":1538.2,"end":1538.44,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.216591477394104},{"word":"wouldn't","start":1538.44,"end":1538.6799,"confidence":1.0,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.16995953023433685},{"word":"wanna","start":1538.6799,"end":1538.9199,"confidence":0.9633789,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.19334572553634644},{"word":"cover","start":1538.9199,"end":1539.24,"confidence":0.9902344,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.1987381726503372},{"word":"all","start":1539.24,"end":1539.495,"confidence":0.8461914,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.1598305106163025},{"word":"the","start":1539.495,"end":1539.655,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17576447129249573},{"word":"lines","start":1539.655,"end":1539.975,"confidence":0.9855957,"punctuated_word":"lines.","sentiment":"neutral","sentiment_score":-0.1657886654138565},{"word":"yeah","start":1539.975,"end":1540.215,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06312785297632217},{"word":"just","start":1540.215,"end":1540.535,"confidence":0.9951172,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.0867803692817688},{"word":"the","start":1540.535,"end":1540.695,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0962437465786934},{"word":"primary","start":1540.695,"end":1541.195,"confidence":0.99609375,"punctuated_word":"primary.","sentiment":"neutral","sentiment_score":-0.1156274676322937},{"word":"mhmm","start":1541.655,"end":1542.155,"confidence":0.998291,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.02820849046111107},{"word":"yes","start":1561.75,"end":1562.25,"confidence":0.7861328,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0217756275087595},{"word":"yes","start":1562.79,"end":1563.29,"confidence":0.74658203,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.02213091030716896},{"word":"yeah","start":1570.965,"end":1571.465,"confidence":0.85839844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01897689886391163},{"word":"yes","start":1571.765,"end":1572.265,"confidence":0.9880371,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08318664133548737},{"word":"yes","start":1572.3251,"end":1572.725,"confidence":0.9851074,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.19938760995864868},{"word":"i","start":1572.725,"end":1572.805,"confidence":0.98095703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3315129578113556},{"word":"think","start":1572.805,"end":1573.045,"confidence":1.0,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.35985440015792847},{"word":"that's","start":1573.045,"end":1573.285,"confidence":0.99072266,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.4037733972072602},{"word":"adequate","start":1573.285,"end":1573.765,"confidence":0.9838867,"punctuated_word":"adequate.","sentiment":"positive","sentiment_score":0.4195822477340698},{"word":"yep","start":1573.765,"end":1574.265,"confidence":0.96875,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3721688687801361},{"word":"yes","start":1582.27,"end":1582.77,"confidence":0.73413086,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.044877614825963974},{"word":"yes","start":1588.83,"end":1589.33,"confidence":0.9321289,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.00721945334225893},{"word":"okay","start":1594.965,"end":1595.465,"confidence":0.88671875,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0032548438757658005},{"word":"minimize","start":1606.085,"end":1606.585,"confidence":0.78271484,"punctuated_word":"Minimize","sentiment":"neutral","sentiment_score":0.029942616820335388},{"word":"tax","start":1606.8049,"end":1607.205,"confidence":0.9836426,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":-0.03114800900220871},{"word":"yeah","start":1607.205,"end":1607.705,"confidence":0.9807129,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.009884826838970184},{"word":"so","start":1608.75,"end":1609.0701,"confidence":0.96240234,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0310136154294014},{"word":"yeah","start":1609.15,"end":1609.65,"confidence":0.94433594,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.03756792098283768},{"word":"okay","start":1612.3501,"end":1612.8501,"confidence":0.85375977,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.045914310961961746},{"word":"yeah","start":1614.3501,"end":1614.8501,"confidence":0.84228516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04295184835791588},{"word":"yeah","start":1618.91,"end":1619.41,"confidence":0.89697266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0672089010477066},{"word":"yep","start":1624.805,"end":1625.305,"confidence":0.98339844,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.042720865458250046},{"word":"yes","start":1631.285,"end":1631.785,"confidence":0.9680176,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.036707013845443726},{"word":"yeah","start":1635.97,"end":1636.47,"confidence":0.88305664,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03122476302087307},{"word":"yes","start":1638.0499,"end":1638.5499,"confidence":0.8190918,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.031336233019828796},{"word":"no","start":1645.49,"end":1645.73,"confidence":0.9819336,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06843124330043793},{"word":"i","start":1645.73,"end":1645.8099,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0654541626572609},{"word":"think","start":1645.8099,"end":1646.0499,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.004940830171108246},{"word":"that's","start":1646.0499,"end":1646.37,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.008663962595164776},{"word":"fine","start":1646.37,"end":1646.87,"confidence":0.99658203,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.06372781842947006},{"word":"yep","start":1657.285,"end":1657.785,"confidence":0.98999023,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.002544387709349394},{"word":"no","start":1660.715,"end":1660.965,"confidence":0.95214844,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.26603201031684875},{"word":"no","start":1660.965,"end":1661.285,"confidence":0.7844238,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.27421966195106506},{"word":"that's","start":1661.285,"end":1661.64,"confidence":0.9890137,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.2234698385000229},{"word":"that's","start":1661.88,"end":1662.2001,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.18599215149879456},{"word":"what","start":1662.2001,"end":1662.52,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.14944013953208923},{"word":"it","start":1662.52,"end":1662.6,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1205175369977951},{"word":"is","start":1662.6,"end":1662.92,"confidence":0.99853516,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.13215135037899017},{"word":"yeah","start":1662.92,"end":1663.24,"confidence":0.8334961,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0019511384889483452},{"word":"yeah","start":1663.24,"end":1663.64,"confidence":0.9313965,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01728362776339054},{"word":"it's","start":1663.64,"end":1663.88,"confidence":0.45812988,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.04848460480570793},{"word":"set","start":1663.88,"end":1664.04,"confidence":0.18249512,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.04035959765315056},{"word":"up","start":1664.04,"end":1664.2001,"confidence":0.7026367,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.12945087254047394},{"word":"there","start":1664.2001,"end":1664.52,"confidence":0.7746582,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.12515807151794434},{"word":"yep","start":1664.52,"end":1664.84,"confidence":0.6599121,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2038072794675827},{"word":"mhmm","start":1664.84,"end":1665.34,"confidence":0.8727417,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.06936343759298325},{"word":"okay","start":1687.23,"end":1687.73,"confidence":0.97924805,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03253501281142235},{"word":"okay","start":1693.2375,"end":1693.7375,"confidence":0.98461914,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.01209794171154499},{"word":"what","start":1720.78,"end":1721.02,"confidence":0.7104492,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.041788943111896515},{"word":"would","start":1721.02,"end":1721.18,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.0457274429500103},{"word":"the","start":1721.18,"end":1721.42,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02662363648414612},{"word":"cost","start":1721.42,"end":1721.8201,"confidence":0.99902344,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.0013102516531944277},{"word":"be","start":1721.8201,"end":1722.06,"confidence":0.98291016,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.04316814243793487},{"word":"of","start":1722.06,"end":1722.3,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03196130692958832},{"word":"increasing","start":1722.3,"end":1722.8,"confidence":1.0,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":-0.018984299153089523},{"word":"the","start":1723.275,"end":1723.755,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.018275611102581024},{"word":"benefit","start":1723.755,"end":1724.255,"confidence":0.98168945,"punctuated_word":"benefit?","sentiment":"neutral","sentiment_score":-0.012577032670378683},{"word":"okay","start":1726.475,"end":1726.975,"confidence":0.9909668,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04814348369836807},{"word":"yeah","start":1728.795,"end":1729.295,"confidence":0.95825195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05188332125544548},{"word":"yeah","start":1731.275,"end":1731.775,"confidence":0.9309082,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.028119828552007675},{"word":"sure","start":1733.8351,"end":1734.3351,"confidence":0.984375,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.07829929888248444},{"word":"yeah","start":1739.16,"end":1739.66,"confidence":0.88916016,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03343969210982323},{"word":"yeah","start":1741.16,"end":1741.56,"confidence":0.95874023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.21069099009037015},{"word":"if","start":1741.56,"end":1741.8,"confidence":0.5625,"punctuated_word":"If","sentiment":"positive","sentiment_score":0.3393626809120178},{"word":"you","start":1741.8,"end":1741.9601,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28343138098716736},{"word":"can","start":1741.9601,"end":1742.12,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2727457284927368},{"word":"do","start":1742.12,"end":1742.28,"confidence":0.9970703,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3590676188468933},{"word":"that","start":1742.28,"end":1742.4401,"confidence":0.9880371,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.3984664380550385},{"word":"that","start":1742.4401,"end":1742.6001,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5288093686103821},{"word":"would","start":1742.6001,"end":1742.76,"confidence":0.99902344,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.4497336447238922},{"word":"be","start":1742.76,"end":1742.92,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4203680753707886},{"word":"great","start":1742.92,"end":1743.16,"confidence":1.0,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.4807516038417816},{"word":"thank","start":1743.16,"end":1743.4,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6508374214172363},{"word":"you","start":1743.4,"end":1743.9,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5033416152000427},{"word":"okay","start":1752.8401,"end":1753.305,"confidence":0.97802734,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.013935981318354608},{"word":"yes","start":1768.0399,"end":1768.5399,"confidence":0.7298584,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2584972381591797},{"word":"okay","start":1772.12,"end":1772.62,"confidence":0.9970703,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.19609716534614563},{"word":"okay","start":1778.36,"end":1778.86,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07503174990415573},{"word":"yes","start":1789.765,"end":1790.265,"confidence":0.89208984,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.037518635392189026},{"word":"yep","start":1798.3301,"end":1798.8301,"confidence":0.9538574,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04981566220521927},{"word":"yeah","start":1803.13,"end":1803.4501,"confidence":0.97924805,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07983863353729248},{"word":"that's","start":1803.4501,"end":1803.6901,"confidence":0.9975586,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.13581423461437225},{"word":"fine","start":1803.6901,"end":1804.0901,"confidence":0.9980469,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.20403695106506348},{"word":"yep","start":1804.0901,"end":1804.5901,"confidence":0.9838867,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1773456186056137},{"word":"no","start":1812.2849,"end":1812.765,"confidence":0.9033203,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10323058068752287},{"word":"no","start":1812.765,"end":1813.005,"confidence":0.70861816,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.12661346793174744},{"word":"i","start":1813.005,"end":1813.085,"confidence":0.69384766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16635854542255402},{"word":"don't","start":1813.085,"end":1813.585,"confidence":0.9715169,"punctuated_word":"don't.","sentiment":"neutral","sentiment_score":-0.14178913831710815},{"word":"yes","start":1826.4401,"end":1826.9401,"confidence":0.9680176,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04951686412096024},{"word":"17","start":1830.2001,"end":1830.7001,"confidence":0.9477539,"punctuated_word":"17,","sentiment":"neutral","sentiment_score":0.02511313557624817},{"word":"15","start":1830.92,"end":1831.2401,"confidence":0.9707031,"punctuated_word":"15,","sentiment":"neutral","sentiment_score":0.03539271652698517},{"word":"and","start":1831.2401,"end":1831.4,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.021739475429058075},{"word":"13","start":1831.4,"end":1831.9,"confidence":0.99902344,"punctuated_word":"13.","sentiment":"neutral","sentiment_score":0.029422957450151443},{"word":"yeah","start":1835.0,"end":1835.4801,"confidence":0.984375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09665431082248688},{"word":"my","start":1835.4801,"end":1835.64,"confidence":0.99902344,"punctuated_word":"My","sentiment":"neutral","sentiment_score":0.1018914133310318},{"word":"daughter","start":1835.64,"end":1835.9601,"confidence":0.9980469,"punctuated_word":"daughter","sentiment":"neutral","sentiment_score":0.10321074724197388},{"word":"my","start":1836.04,"end":1836.2001,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.118936687707901},{"word":"youngest","start":1836.2001,"end":1836.6001,"confidence":0.9980469,"punctuated_word":"youngest","sentiment":"neutral","sentiment_score":0.16069886088371277},{"word":"just","start":1836.6001,"end":1836.8401,"confidence":0.4255371,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2044568806886673},{"word":"turned","start":1836.8401,"end":1837.0801,"confidence":0.9863281,"punctuated_word":"turned","sentiment":"neutral","sentiment_score":0.2652447819709778},{"word":"13","start":1837.0801,"end":1837.4801,"confidence":0.9667969,"punctuated_word":"13","sentiment":"neutral","sentiment_score":0.1967121064662933},{"word":"on","start":1837.4801,"end":1837.64,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.18566004931926727},{"word":"sunday","start":1837.64,"end":1838.055,"confidence":0.91381836,"punctuated_word":"Sunday.","sentiment":"neutral","sentiment_score":0.12716960906982422},{"word":"i","start":1884.17,"end":1884.25,"confidence":0.62890625,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3743382692337036},{"word":"think","start":1884.25,"end":1884.49,"confidence":0.9921875,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.383910208940506},{"word":"i'm","start":1884.49,"end":1884.73,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.38473090529441833},{"word":"happy","start":1884.73,"end":1884.97,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.4867324233055115},{"word":"with","start":1884.97,"end":1885.21,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6280099153518677},{"word":"what","start":1885.21,"end":1885.37,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.7907431125640869},{"word":"i","start":1885.37,"end":1885.53,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6974213719367981},{"word":"have","start":1885.53,"end":1885.77,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.7766123414039612},{"word":"now","start":1885.77,"end":1886.09,"confidence":0.9995117,"punctuated_word":"now.","sentiment":"positive","sentiment_score":0.6808310151100159},{"word":"thank","start":1886.09,"end":1886.41,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6790189743041992},{"word":"you","start":1886.41,"end":1886.91,"confidence":0.9975586,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.44237831234931946},{"word":"okay","start":1894.6051,"end":1895.1051,"confidence":0.9123535,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.197396457195282},{"word":"so","start":1899.3251,"end":1899.7251,"confidence":0.82958984,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.6010516881942749},{"word":"yeah","start":1908.5399,"end":1908.62,"confidence":0.9555664,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10374553501605988},{"word":"yeah","start":1908.62,"end":1909.12,"confidence":0.87841797,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1088641881942749},{"word":"that's","start":1909.1799,"end":1909.5,"confidence":0.9880371,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1348576694726944},{"word":"right","start":1909.5,"end":1909.8999,"confidence":0.99902344,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.1623934805393219},{"word":"yeah","start":1909.8999,"end":1910.22,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1553770899772644},{"word":"yeah","start":1910.22,"end":1910.72,"confidence":0.9807129,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.24700580537319183},{"word":"yeah","start":1935.62,"end":1936.12,"confidence":0.86572266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05840808153152466},{"word":"i","start":1936.5,"end":1936.66,"confidence":0.5229492,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06828398257493973},{"word":"don't","start":1936.66,"end":1936.9,"confidence":0.7327881,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.08162368834018707},{"word":"know","start":1936.9,"end":1937.14,"confidence":0.986084,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.11292655766010284},{"word":"it's","start":1937.14,"end":1937.22,"confidence":0.9890137,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.12756672501564026},{"word":"hard","start":1937.22,"end":1937.7001,"confidence":0.97509766,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.14327609539031982},{"word":"to","start":1937.7001,"end":1937.86,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16060177981853485},{"word":"say","start":1937.86,"end":1938.36,"confidence":0.97753906,"punctuated_word":"say.","sentiment":"neutral","sentiment_score":-0.1267189085483551},{"word":"again","start":1940.42,"end":1940.9,"confidence":0.8310547,"punctuated_word":"Again,","sentiment":"neutral","sentiment_score":-0.04088845103979111},{"word":"i'm","start":1940.9,"end":1941.06,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.02364172786474228},{"word":"just","start":1941.06,"end":1941.38,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03431008756160736},{"word":"having","start":1941.38,"end":1941.7001,"confidence":0.99316406,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.022189822047948837},{"word":"a","start":1941.7001,"end":1941.78,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01761404238641262},{"word":"look","start":1941.78,"end":1942.28,"confidence":0.9213867,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":-0.025230735540390015},{"word":"because","start":1942.9,"end":1943.4,"confidence":0.96875,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.031916093081235886},{"word":"my","start":1943.46,"end":1943.7001,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.025768019258975983},{"word":"yeah","start":1943.78,"end":1944.1,"confidence":0.99121094,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.013357952237129211},{"word":"i've","start":1944.1,"end":1944.26,"confidence":0.588501,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.01130438596010208},{"word":"spent","start":1944.26,"end":1944.58,"confidence":0.50390625,"punctuated_word":"spent","sentiment":"neutral","sentiment_score":-0.003178544342517853},{"word":"averaging","start":1944.58,"end":1944.98,"confidence":0.9091797,"punctuated_word":"averaging","sentiment":"neutral","sentiment_score":-0.009750314056873322},{"word":"it","start":1944.98,"end":1945.14,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.00618039071559906},{"word":"out","start":1945.14,"end":1945.3,"confidence":0.76538086,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.00016790442168712616},{"word":"yes","start":1945.3,"end":1945.62,"confidence":0.9633789,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.009453007951378822},{"word":"because","start":1945.62,"end":1945.9401,"confidence":0.99316406,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.0004263482987880707},{"word":"my","start":1945.9401,"end":1946.1,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.007826372981071472},{"word":"husband","start":1946.1,"end":1946.42,"confidence":1.0,"punctuated_word":"husband","sentiment":"neutral","sentiment_score":-0.003893043845891953},{"word":"runs","start":1946.42,"end":1946.66,"confidence":0.99316406,"punctuated_word":"runs","sentiment":"neutral","sentiment_score":0.014335744082927704},{"word":"his","start":1946.66,"end":1946.74,"confidence":0.95410156,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.007685553282499313},{"word":"own","start":1946.74,"end":1946.98,"confidence":0.9970703,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.008319821208715439},{"word":"business","start":1946.98,"end":1947.22,"confidence":0.9616699,"punctuated_word":"business,","sentiment":"neutral","sentiment_score":0.006859689950942993},{"word":"obviously","start":1947.22,"end":1947.7001,"confidence":0.96533203,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.0059065017849206924},{"word":"his","start":1947.7001,"end":1947.86,"confidence":0.9902344,"punctuated_word":"his","sentiment":"neutral","sentiment_score":-0.005748756229877472},{"word":"income's","start":1947.86,"end":1948.36,"confidence":0.8803711,"punctuated_word":"income's","sentiment":"neutral","sentiment_score":-0.00942381750792265},{"word":"to","start":1948.595,"end":1948.675,"confidence":0.5126953,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0004390031099319458},{"word":"a","start":1948.675,"end":1949.175,"confidence":0.5986328,"punctuated_word":"a.","sentiment":"neutral","sentiment_score":-0.0011911889305338264},{"word":"mhmm","start":1950.275,"end":1950.775,"confidence":0.8479614,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.01691601797938347},{"word":"and","start":1951.555,"end":1951.875,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.02872853167355061},{"word":"so","start":1951.875,"end":1952.375,"confidence":0.9951172,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.04029761999845505},{"word":"it","start":1953.0751,"end":1953.5751,"confidence":0.96972656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03435692563652992},{"word":"can","start":1953.635,"end":1954.135,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.03292406350374222},{"word":"be","start":1954.995,"end":1955.495,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.03469238430261612},{"word":"dependent","start":1955.635,"end":1956.135,"confidence":0.99316406,"punctuated_word":"dependent","sentiment":"neutral","sentiment_score":-0.02837909758090973},{"word":"on","start":1956.1951,"end":1956.6951,"confidence":0.99560547,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":-0.030736109241843224},{"word":"you","start":1956.995,"end":1957.155,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04381189122796059},{"word":"know","start":1957.155,"end":1957.555,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.05403032526373863},{"word":"his","start":1957.555,"end":1957.875,"confidence":0.9980469,"punctuated_word":"his","sentiment":"neutral","sentiment_score":-0.04156680777668953},{"word":"his","start":1957.875,"end":1958.1951,"confidence":0.9970703,"punctuated_word":"his","sentiment":"neutral","sentiment_score":-0.04497663676738739},{"word":"earning","start":1958.1951,"end":1958.6951,"confidence":0.90893555,"punctuated_word":"earning.","sentiment":"neutral","sentiment_score":-0.04885147511959076},{"word":"but","start":1960.835,"end":1961.155,"confidence":0.9111328,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.04140111804008484},{"word":"i","start":1961.155,"end":1961.235,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03871212154626846},{"word":"would","start":1961.235,"end":1961.555,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.03678787499666214},{"word":"say","start":1961.555,"end":1962.055,"confidence":0.9970703,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.02894984930753708},{"word":"yeah","start":1968.5,"end":1968.9,"confidence":0.98291016,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.038316093385219574},{"word":"i","start":1968.9,"end":1968.98,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04568066447973251},{"word":"mean","start":1968.98,"end":1969.3,"confidence":0.9970703,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.0502796433866024},{"word":"we're","start":1969.3,"end":1969.62,"confidence":0.9794922,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.04125431180000305},{"word":"probably","start":1969.62,"end":1970.12,"confidence":0.99609375,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.05991772189736366},{"word":"not","start":1970.18,"end":1970.5,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.049476876854896545},{"word":"saving","start":1970.5,"end":1970.98,"confidence":0.96435547,"punctuated_word":"saving","sentiment":"neutral","sentiment_score":-0.056216761469841},{"word":"as","start":1970.98,"end":1971.14,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.06973397731781006},{"word":"much","start":1971.14,"end":1971.64,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.03777531534433365},{"word":"as","start":1972.74,"end":1972.98,"confidence":0.97802734,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.05508001521229744},{"word":"we","start":1972.98,"end":1973.46,"confidence":0.9892578,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.02765703573822975},{"word":"would","start":1973.46,"end":1973.96,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.0252155102789402},{"word":"like","start":1974.66,"end":1974.98,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.017664503306150436},{"word":"to","start":1974.98,"end":1975.48,"confidence":0.85302734,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":-0.02095064707100391},{"word":"but","start":1975.9401,"end":1976.18,"confidence":0.98095703,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.04324826970696449},{"word":"then","start":1976.18,"end":1976.34,"confidence":0.98828125,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.02969125658273697},{"word":"again","start":1976.34,"end":1976.66,"confidence":0.8444824,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.024624845013022423},{"word":"we","start":1976.66,"end":1976.8201,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.01776394248008728},{"word":"are","start":1976.8201,"end":1976.98,"confidence":0.67822266,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.01743694394826889},{"word":"also","start":1976.98,"end":1977.22,"confidence":0.9892578,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.00263165682554245},{"word":"well","start":1978.035,"end":1978.355,"confidence":0.9897461,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.02049906924366951},{"word":"when","start":1978.355,"end":1978.435,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.009740911424160004},{"word":"i","start":1978.435,"end":1978.515,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01053408533334732},{"word":"say","start":1978.515,"end":1978.915,"confidence":0.8691406,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.018755368888378143},{"word":"we're","start":1978.915,"end":1979.0751,"confidence":0.72436523,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.012812170200049875},{"word":"so","start":1979.235,"end":1979.395,"confidence":0.9941406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.0106719508767128},{"word":"we're","start":1979.395,"end":1979.555,"confidence":0.9980469,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.021400149911642075},{"word":"saving","start":1979.555,"end":1979.9551,"confidence":0.92578125,"punctuated_word":"saving,","sentiment":"neutral","sentiment_score":-0.004247002303600311},{"word":"but","start":1979.9551,"end":1980.115,"confidence":0.9902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.016986459493637085},{"word":"we're","start":1980.115,"end":1980.275,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.05137265473604202},{"word":"putting","start":1980.275,"end":1980.5951,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":-0.03905148059129715},{"word":"money","start":1980.5951,"end":1980.8351,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.049058087170124054},{"word":"into","start":1980.8351,"end":1981.155,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.14571955800056458},{"word":"the","start":1981.155,"end":1981.3151,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.057878054678440094},{"word":"granny","start":1981.3151,"end":1981.7151,"confidence":0.96069336,"punctuated_word":"granny","sentiment":"neutral","sentiment_score":-0.07347887754440308},{"word":"flat","start":1981.7151,"end":1982.035,"confidence":0.88183594,"punctuated_word":"flat.","sentiment":"neutral","sentiment_score":-0.009801402688026428},{"word":"so","start":1982.035,"end":1982.1951,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02211756259202957},{"word":"anything","start":1982.1951,"end":1982.6951,"confidence":0.99121094,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.039335947483778},{"word":"that","start":1982.755,"end":1982.995,"confidence":0.9560547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.012519516050815582},{"word":"we","start":1982.995,"end":1983.235,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04672829806804657},{"word":"save","start":1983.235,"end":1983.635,"confidence":0.5229492,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.04384465515613556},{"word":"within","start":1983.635,"end":1984.135,"confidence":0.7519531,"punctuated_word":"within,","sentiment":"neutral","sentiment_score":0.03046296164393425},{"word":"you","start":1984.275,"end":1984.435,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03446998447179794},{"word":"know","start":1984.435,"end":1984.7551,"confidence":0.9802246,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.04321594536304474},{"word":"our","start":1984.7551,"end":1985.0751,"confidence":0.50341797,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.06843395531177521},{"word":"our","start":1985.0751,"end":1985.3151,"confidence":0.5332031,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.07062985002994537},{"word":"spending","start":1985.3151,"end":1985.635,"confidence":1.0,"punctuated_word":"spending","sentiment":"neutral","sentiment_score":0.07973603159189224},{"word":"on","start":1985.635,"end":1985.875,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.023910071700811383},{"word":"that","start":1985.875,"end":1986.275,"confidence":0.9753418,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.02200295217335224},{"word":"so","start":1986.275,"end":1986.775,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.028389981016516685},{"word":"so","start":1987.235,"end":1987.3151,"confidence":0.98095703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.011634466238319874},{"word":"i'd","start":1987.3151,"end":1987.635,"confidence":0.9733887,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.0223071426153183},{"word":"say","start":1987.635,"end":1987.9551,"confidence":0.8215332,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.01885932683944702},{"word":"yeah","start":1987.9551,"end":1988.1951,"confidence":0.93237305,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.018189208582043648},{"word":"we'd","start":1988.1951,"end":1988.515,"confidence":0.72229004,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":0.0201340913772583},{"word":"we'd","start":1988.515,"end":1988.915,"confidence":0.9782715,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":0.017172932624816895},{"word":"probably","start":1988.915,"end":1989.395,"confidence":0.98828125,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.009687298908829687},{"word":"yeah","start":1990.63,"end":1991.11,"confidence":0.9338379,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.011376445181667805},{"word":"let","start":1991.11,"end":1991.51,"confidence":0.90527344,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.007944885641336441},{"word":"let's","start":1991.51,"end":1992.01,"confidence":0.72314453,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.01086194720119238},{"word":"say","start":1992.07,"end":1992.39,"confidence":0.98535156,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.01477362122386694},{"word":"500","start":1992.39,"end":1993.03,"confidence":0.85913086,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.013459703885018826},{"word":"a","start":1993.03,"end":1993.19,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01148516032844782},{"word":"week","start":1993.19,"end":1993.69,"confidence":0.9267578,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.010429909452795982},{"word":"it's","start":1994.23,"end":1994.39,"confidence":0.75219727,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.015266399830579758},{"word":"probably","start":1994.39,"end":1994.79,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.009604210034012794},{"word":"about","start":1994.79,"end":1995.11,"confidence":0.96777344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.012650996446609495},{"word":"half","start":1995.11,"end":1995.35,"confidence":0.921875,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.017911043018102646},{"word":"of","start":1995.35,"end":1995.51,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01934524066746235},{"word":"what","start":1995.51,"end":1995.6699,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.01174346823245287},{"word":"we","start":1995.6699,"end":1995.91,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.014926162548363209},{"word":"were","start":1995.91,"end":1996.41,"confidence":0.7631836,"punctuated_word":"were.","sentiment":"neutral","sentiment_score":0.011398625560104849},{"word":"yeah","start":1996.47,"end":1996.97,"confidence":0.97631836,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05749038606882095},{"word":"yeah","start":2007.915,"end":2008.235,"confidence":0.9812012,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01016339659690857},{"word":"i","start":2008.235,"end":2008.315,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.008023802191019058},{"word":"mean","start":2008.315,"end":2008.715,"confidence":0.87768555,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.0055051520466804504},{"word":"not","start":2008.715,"end":2009.035,"confidence":0.5961914,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.02498374879360199},{"word":"in","start":2009.035,"end":2009.195,"confidence":0.96435547,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.041250746697187424},{"word":"a","start":2009.195,"end":2009.275,"confidence":0.9658203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02764054015278816},{"word":"super","start":2009.275,"end":2009.675,"confidence":0.99609375,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.0477454848587513},{"word":"huge","start":2009.675,"end":2009.995,"confidence":0.99121094,"punctuated_word":"huge","sentiment":"neutral","sentiment_score":-0.07251261174678802},{"word":"rush","start":2009.995,"end":2010.235,"confidence":0.9970703,"punctuated_word":"rush","sentiment":"neutral","sentiment_score":-0.06288580596446991},{"word":"because","start":2010.235,"end":2010.635,"confidence":0.7529297,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0350424200296402},{"word":"at","start":2010.635,"end":2010.795,"confidence":0.8671875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03343862667679787},{"word":"the","start":2010.795,"end":2010.955,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.016283728182315826},{"word":"moment","start":2010.955,"end":2011.455,"confidence":0.9526367,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.024893786758184433},{"word":"my","start":2012.235,"end":2012.715,"confidence":0.9194336,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.030547019094228745},{"word":"my","start":2012.715,"end":2012.875,"confidence":0.9863281,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.01165730506181717},{"word":"in","start":2012.875,"end":2013.035,"confidence":0.9135742,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.01284121349453926},{"word":"laws","start":2013.035,"end":2013.275,"confidence":0.99902344,"punctuated_word":"laws","sentiment":"neutral","sentiment_score":-0.003855928778648377},{"word":"are","start":2013.275,"end":2013.355,"confidence":0.98535156,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0018266476690769196},{"word":"actually","start":2013.355,"end":2013.755,"confidence":0.9921875,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.019036542624235153},{"word":"just","start":2013.755,"end":2013.995,"confidence":0.90478516,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.008582305163145065},{"word":"staying","start":2013.995,"end":2014.235,"confidence":0.99609375,"punctuated_word":"staying","sentiment":"neutral","sentiment_score":0.006814129650592804},{"word":"in","start":2014.235,"end":2014.395,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.011734060943126678},{"word":"our","start":2014.395,"end":2014.555,"confidence":0.99609375,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.01711622253060341},{"word":"caravan","start":2014.555,"end":2015.055,"confidence":0.9589844,"punctuated_word":"caravan.","sentiment":"neutral","sentiment_score":-0.0016477424651384354},{"word":"so","start":2016.395,"end":2016.635,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05962928757071495},{"word":"we've","start":2016.635,"end":2016.795,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.08775453269481659},{"word":"got","start":2016.795,"end":2017.035,"confidence":0.97509766,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07393050938844681},{"word":"a","start":2017.035,"end":2017.275,"confidence":0.97802734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0916035920381546},{"word":"we've","start":2017.275,"end":2017.515,"confidence":0.99902344,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.07425904273986816},{"word":"got","start":2017.515,"end":2017.675,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07364453375339508},{"word":"a","start":2017.675,"end":2017.835,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09340490400791168},{"word":"fully","start":2017.835,"end":2018.335,"confidence":0.99902344,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.15498289465904236},{"word":"self","start":2018.395,"end":2018.635,"confidence":0.99316406,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.1201821342110634},{"word":"contained","start":2018.635,"end":2019.135,"confidence":0.9980469,"punctuated_word":"contained","sentiment":"neutral","sentiment_score":0.14113888144493103},{"word":"caravan","start":2019.195,"end":2019.595,"confidence":0.9941406,"punctuated_word":"caravan","sentiment":"neutral","sentiment_score":0.09263557195663452},{"word":"with","start":2019.595,"end":2019.835,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17117486894130707},{"word":"a","start":2019.835,"end":2019.915,"confidence":0.71777344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1258527934551239},{"word":"kitchen","start":2019.915,"end":2020.235,"confidence":1.0,"punctuated_word":"kitchen","sentiment":"neutral","sentiment_score":0.11987026035785676},{"word":"and","start":2020.235,"end":2020.395,"confidence":0.9003906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.110177144408226},{"word":"a","start":2020.395,"end":2020.62,"confidence":0.9604492,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10094887018203735},{"word":"toilet","start":2020.78,"end":2021.1,"confidence":1.0,"punctuated_word":"toilet","sentiment":"neutral","sentiment_score":0.0934642180800438},{"word":"and","start":2021.1,"end":2021.5,"confidence":0.9770508,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07021521031856537},{"word":"bathroom","start":2021.5,"end":2021.82,"confidence":0.9760742,"punctuated_word":"bathroom","sentiment":"neutral","sentiment_score":0.07811564207077026},{"word":"and","start":2021.82,"end":2022.0599,"confidence":0.9770508,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07888731360435486},{"word":"all","start":2022.0599,"end":2022.22,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0782817006111145},{"word":"of","start":2022.22,"end":2022.3,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0621320977807045},{"word":"that","start":2022.3,"end":2022.46,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0641920268535614},{"word":"kind","start":2022.46,"end":2022.7,"confidence":0.86279297,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.06402287632226944},{"word":"of","start":2022.7,"end":2022.78,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06110934168100357},{"word":"thing","start":2022.78,"end":2023.28,"confidence":0.98657227,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.07873094826936722},{"word":"so","start":2024.38,"end":2024.88,"confidence":0.9140625,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07854770869016647},{"word":"yeah","start":2025.42,"end":2025.9,"confidence":0.98999023,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.08143288642168045},{"word":"that","start":2025.9,"end":2026.02,"confidence":0.9135742,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.06935825943946838},{"word":"because","start":2026.14,"end":2026.3,"confidence":0.62280273,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.06807589530944824},{"word":"i","start":2026.3,"end":2026.46,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06082981079816818},{"word":"mean","start":2026.46,"end":2026.54,"confidence":0.99902344,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.06100945547223091},{"word":"they","start":2026.54,"end":2026.7,"confidence":0.97802734,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.09170804172754288},{"word":"can","start":2026.7,"end":2026.94,"confidence":0.9873047,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08447283506393433},{"word":"still","start":2026.94,"end":2027.1,"confidence":0.9921875,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.07958348840475082},{"word":"come","start":2027.1,"end":2027.26,"confidence":0.9873047,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.07722580432891846},{"word":"in","start":2027.26,"end":2027.42,"confidence":0.98535156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07800145447254181},{"word":"and","start":2027.42,"end":2027.5,"confidence":0.7128906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05578061565756798},{"word":"you","start":2027.58,"end":2027.66,"confidence":0.7207031,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.051142167299985886},{"word":"know","start":2027.66,"end":2027.82,"confidence":0.9638672,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.05355034023523331},{"word":"they","start":2027.82,"end":2027.98,"confidence":0.9902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.07177270948886871},{"word":"come","start":2027.98,"end":2028.14,"confidence":0.93408203,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.0643279030919075},{"word":"into","start":2028.14,"end":2028.38,"confidence":0.87841797,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.07796461880207062},{"word":"the","start":2028.38,"end":2028.46,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07572933286428452},{"word":"main","start":2028.46,"end":2028.62,"confidence":0.9980469,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.08837822079658508},{"word":"house","start":2028.62,"end":2028.78,"confidence":0.79418945,"punctuated_word":"house,","sentiment":"neutral","sentiment_score":0.0685572698712349},{"word":"and","start":2028.78,"end":2028.94,"confidence":0.97509766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06514894217252731},{"word":"they","start":2028.94,"end":2029.1,"confidence":0.97998047,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.07289974391460419},{"word":"can","start":2029.1,"end":2029.34,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07267479598522186},{"word":"use","start":2029.34,"end":2029.58,"confidence":0.99902344,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.0712500736117363},{"word":"the","start":2029.58,"end":2029.82,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06667446345090866},{"word":"the","start":2029.82,"end":2029.98,"confidence":0.97314453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07588021457195282},{"word":"toilet","start":2029.98,"end":2030.3,"confidence":0.9116211,"punctuated_word":"toilet","sentiment":"neutral","sentiment_score":0.06417765468358994},{"word":"and","start":2030.3,"end":2030.38,"confidence":0.98291016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06390894204378128},{"word":"bathroom","start":2030.38,"end":2030.7,"confidence":0.9716797,"punctuated_word":"bathroom","sentiment":"neutral","sentiment_score":0.05732429400086403},{"word":"and","start":2030.7,"end":2030.86,"confidence":0.9770508,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.053698133677244186},{"word":"whatnot","start":2030.86,"end":2031.26,"confidence":0.93310547,"punctuated_word":"whatnot.","sentiment":"neutral","sentiment_score":0.048603713512420654},{"word":"but","start":2031.26,"end":2031.3401,"confidence":0.98095703,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.06267479062080383},{"word":"yeah","start":2031.42,"end":2031.66,"confidence":0.96118164,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.06871485710144043},{"word":"so","start":2031.66,"end":2031.9,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08781681954860687},{"word":"they're","start":2031.9,"end":2032.14,"confidence":0.8540039,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.11105895042419434},{"word":"kind","start":2032.14,"end":2032.46,"confidence":0.7949219,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.11024073511362076},{"word":"of","start":2032.46,"end":2032.62,"confidence":0.984375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.138921320438385},{"word":"quite","start":2032.62,"end":2033.12,"confidence":0.9375,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.14412887394428253},{"word":"self","start":2033.26,"end":2033.58,"confidence":0.9941406,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.10538014769554138},{"word":"sufficient","start":2033.58,"end":2034.08,"confidence":0.99316406,"punctuated_word":"sufficient","sentiment":"neutral","sentiment_score":0.13996241986751556},{"word":"in","start":2034.735,"end":2034.895,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1072460263967514},{"word":"in","start":2034.895,"end":2035.215,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10278812795877457},{"word":"that","start":2035.215,"end":2035.455,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08971061557531357},{"word":"space","start":2035.455,"end":2035.855,"confidence":0.9133301,"punctuated_word":"space.","sentiment":"neutral","sentiment_score":0.06448031961917877},{"word":"so","start":2035.855,"end":2036.335,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03655463457107544},{"word":"we're","start":2036.335,"end":2036.575,"confidence":0.9980469,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.03879988566040993},{"word":"not","start":2036.575,"end":2036.815,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.01445409655570984},{"word":"in","start":2036.815,"end":2036.975,"confidence":0.9892578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.013345491141080856},{"word":"a","start":2036.975,"end":2037.055,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.004329344257712364},{"word":"huge","start":2037.055,"end":2037.455,"confidence":1.0,"punctuated_word":"huge","sentiment":"neutral","sentiment_score":-0.040540240705013275},{"word":"rush","start":2037.455,"end":2037.695,"confidence":0.8911133,"punctuated_word":"rush.","sentiment":"neutral","sentiment_score":-0.040278442203998566},{"word":"so","start":2037.695,"end":2037.855,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.013054341077804564},{"word":"it's","start":2037.855,"end":2038.175,"confidence":0.99609375,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.01690688543021679},{"word":"it's","start":2038.175,"end":2038.255,"confidence":0.8557129,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.014924386516213415},{"word":"a","start":2038.255,"end":2038.335,"confidence":0.97314453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015239162370562552},{"word":"case","start":2038.335,"end":2038.655,"confidence":1.0,"punctuated_word":"case","sentiment":"neutral","sentiment_score":0.013434574007987976},{"word":"of","start":2038.655,"end":2038.975,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.020425114780664444},{"word":"when","start":2038.975,"end":2039.295,"confidence":0.9970703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.01750924251973629},{"word":"we","start":2039.295,"end":2039.375,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.011665336787700651},{"word":"have","start":2039.375,"end":2039.695,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.008482083678245544},{"word":"the","start":2039.695,"end":2039.855,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.005212966352701187},{"word":"money","start":2039.855,"end":2040.175,"confidence":0.7871094,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":-0.005772380158305168},{"word":"you","start":2040.175,"end":2040.335,"confidence":0.9970703,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.004252869635820389},{"word":"know","start":2040.335,"end":2040.835,"confidence":0.9880371,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":0.0015577608719468117},{"word":"so","start":2041.775,"end":2042.095,"confidence":0.98291016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.016119152307510376},{"word":"being","start":2042.095,"end":2042.335,"confidence":0.98095703,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.026671644300222397},{"word":"able","start":2042.335,"end":2042.655,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.03816800191998482},{"word":"to","start":2042.655,"end":2042.735,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.038688190281391144},{"word":"because","start":2043.215,"end":2043.535,"confidence":0.7196045,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.026970941573381424},{"word":"like","start":2043.535,"end":2043.775,"confidence":0.9724121,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.025576643645763397},{"word":"certain","start":2043.775,"end":2044.095,"confidence":0.96875,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":0.02105898410081863},{"word":"things","start":2044.095,"end":2044.415,"confidence":0.9970703,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.02743910439312458},{"word":"will","start":2044.415,"end":2044.575,"confidence":0.9863281,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.012169856578111649},{"word":"cost","start":2044.575,"end":2044.895,"confidence":0.70202637,"punctuated_word":"cost.","sentiment":"neutral","sentiment_score":0.022920817136764526},{"word":"you","start":2044.895,"end":2045.055,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.002796748653054238},{"word":"know","start":2045.055,"end":2045.215,"confidence":0.77734375,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":0.010952753946185112},{"word":"we","start":2045.215,"end":2045.375,"confidence":0.9506836,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.015703987330198288},{"word":"only","start":2045.375,"end":2045.615,"confidence":0.5073242,"punctuated_word":"only,","sentiment":"neutral","sentiment_score":0.00951303355395794},{"word":"like","start":2045.615,"end":2045.775,"confidence":0.99658203,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.01548698078840971},{"word":"a","start":2045.775,"end":2045.855,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.024698296561837196},{"word":"lump","start":2045.855,"end":2046.175,"confidence":0.9970703,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.017180457711219788},{"word":"sum","start":2046.175,"end":2046.495,"confidence":0.99902344,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.027802957221865657},{"word":"of","start":2046.495,"end":2046.815,"confidence":0.9790039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02387453615665436},{"word":"of","start":2046.815,"end":2046.895,"confidence":0.5175781,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.024861425161361694},{"word":"an","start":2046.895,"end":2047.135,"confidence":0.6660156,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.018452761694788933},{"word":"amount","start":2047.135,"end":2047.635,"confidence":0.9638672,"punctuated_word":"amount.","sentiment":"neutral","sentiment_score":0.018534841015934944},{"word":"so","start":2047.9349,"end":2048.175,"confidence":0.97509766,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.017718954011797905},{"word":"once","start":2048.175,"end":2048.415,"confidence":0.9951172,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.019247714430093765},{"word":"we","start":2048.415,"end":2048.655,"confidence":0.9951172,"punctuated_word":"we,","sentiment":"neutral","sentiment_score":0.015510127879679205},{"word":"you","start":2048.655,"end":2048.815,"confidence":0.9199219,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.009674886241555214},{"word":"know","start":2048.815,"end":2049.27,"confidence":0.9975586,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.01622362807393074},{"word":"get","start":2049.43,"end":2049.67,"confidence":0.9970703,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.01725342683494091},{"word":"that","start":2049.67,"end":2049.75,"confidence":0.9248047,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.014015931636095049},{"word":"then","start":2049.75,"end":2050.07,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.021660976111888885},{"word":"we","start":2050.07,"end":2050.31,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.022514548152685165},{"word":"can","start":2050.31,"end":2050.47,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.013813722878694534},{"word":"pay","start":2050.47,"end":2050.87,"confidence":0.8269043,"punctuated_word":"pay.","sentiment":"neutral","sentiment_score":0.005755321122705936},{"word":"you","start":2050.87,"end":2051.03,"confidence":0.9951172,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.0011938512325286863},{"word":"know","start":2051.03,"end":2051.27,"confidence":0.9658203,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":0.0020062196999788284},{"word":"so","start":2051.27,"end":2051.75,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0029764659702777863},{"word":"but","start":2051.91,"end":2052.15,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.012488551437854769},{"word":"at","start":2052.15,"end":2052.23,"confidence":0.9707031,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.00018526241183280945},{"word":"the","start":2052.23,"end":2052.3901,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.005860684439539909},{"word":"moment","start":2052.3901,"end":2052.8901,"confidence":0.9855957,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.00343562476336956},{"word":"it's","start":2053.67,"end":2054.17,"confidence":0.91137695,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0012160595506429672},{"word":"very","start":2054.47,"end":2054.79,"confidence":0.9892578,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.013414006680250168},{"word":"much","start":2054.79,"end":2055.03,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.0009879730641841888},{"word":"in","start":2055.03,"end":2055.19,"confidence":0.9819336,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.007443856447935104},{"word":"the","start":2055.19,"end":2055.27,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00308406725525856},{"word":"beginning","start":2055.27,"end":2055.77,"confidence":0.9970703,"punctuated_word":"beginning","sentiment":"neutral","sentiment_score":0.0025471411645412445},{"word":"phase","start":2055.99,"end":2056.47,"confidence":0.9248047,"punctuated_word":"phase","sentiment":"neutral","sentiment_score":0.025669915601611137},{"word":"with","start":2056.47,"end":2056.97,"confidence":0.97509766,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0009653661400079728},{"word":"so","start":2057.27,"end":2057.43,"confidence":0.96533203,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0050584133714437485},{"word":"the","start":2057.43,"end":2057.59,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.013431195169687273},{"word":"architects","start":2057.59,"end":2058.09,"confidence":0.98535156,"punctuated_word":"architects","sentiment":"neutral","sentiment_score":0.022870078682899475},{"word":"have","start":2058.15,"end":2058.3901,"confidence":0.90283203,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.011221788823604584},{"word":"submitted","start":2058.3901,"end":2058.79,"confidence":0.9970703,"punctuated_word":"submitted","sentiment":"neutral","sentiment_score":0.011762235313653946},{"word":"the","start":2058.79,"end":2058.95,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014083605259656906},{"word":"plans","start":2058.95,"end":2059.27,"confidence":0.95947266,"punctuated_word":"plans","sentiment":"neutral","sentiment_score":0.013877421617507936},{"word":"to","start":2059.27,"end":2059.43,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.016540296375751495},{"word":"the","start":2059.43,"end":2059.59,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010729815810918808},{"word":"council","start":2059.59,"end":2059.99,"confidence":0.8535156,"punctuated_word":"council.","sentiment":"neutral","sentiment_score":0.011255159974098206},{"word":"so","start":2059.99,"end":2060.15,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.012043993920087814},{"word":"we've","start":2060.15,"end":2060.3901,"confidence":0.8046875,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.020955294370651245},{"word":"probably","start":2060.3901,"end":2060.79,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.00997217372059822},{"word":"got","start":2060.79,"end":2061.03,"confidence":0.99316406,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.004740819334983826},{"word":"about","start":2061.03,"end":2061.19,"confidence":0.99316406,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.0027236156165599823},{"word":"a","start":2061.19,"end":2061.35,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.001240398734807968},{"word":"ten","start":2061.35,"end":2061.59,"confidence":0.9819336,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.007230110466480255},{"word":"week","start":2061.59,"end":2061.83,"confidence":0.9980469,"punctuated_word":"week","sentiment":"neutral","sentiment_score":-0.008886847645044327},{"word":"wait","start":2061.83,"end":2062.33,"confidence":0.96533203,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":0.006443936377763748},{"word":"for","start":2062.415,"end":2062.7349,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.02591981366276741},{"word":"approval","start":2062.7349,"end":2063.2349,"confidence":0.75268555,"punctuated_word":"approval,","sentiment":"neutral","sentiment_score":-0.005284054204821587},{"word":"if","start":2063.535,"end":2063.695,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.006445981562137604},{"word":"they're","start":2063.695,"end":2063.855,"confidence":0.96069336,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.011663186363875866},{"word":"happy","start":2063.855,"end":2064.175,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.026676423847675323},{"word":"with","start":2064.175,"end":2064.335,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.028832830488681793},{"word":"everything","start":2064.335,"end":2064.7349,"confidence":0.6912842,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":0.022007394582033157},{"word":"and","start":2064.7349,"end":2064.895,"confidence":0.9108887,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.005885864607989788},{"word":"you","start":2064.895,"end":2064.9749,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.011440131813287737},{"word":"know","start":2064.9749,"end":2065.2148,"confidence":0.8395996,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.006643788889050484},{"word":"so","start":2065.2148,"end":2065.615,"confidence":0.65771484,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.011130642145872116},{"word":"it's","start":2065.615,"end":2065.855,"confidence":0.8051758,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.018296197056770325},{"word":"really","start":2065.855,"end":2066.095,"confidence":0.88964844,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.028922298923134804},{"word":"yeah","start":2066.335,"end":2066.575,"confidence":0.99121094,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.027610547840595245},{"word":"we","start":2066.575,"end":2066.815,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.06817814707756042},{"word":"don't","start":2066.815,"end":2067.055,"confidence":0.99853516,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.07223761081695557},{"word":"ideally","start":2067.775,"end":2068.275,"confidence":0.97216797,"punctuated_word":"ideally,","sentiment":"neutral","sentiment_score":-0.09872013330459596},{"word":"if","start":2068.575,"end":2068.7349,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.09955158084630966},{"word":"we","start":2068.7349,"end":2068.895,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.06436195969581604},{"word":"could","start":2068.895,"end":2069.055,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.09548740088939668},{"word":"have","start":2069.055,"end":2069.2148,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.057175226509571075},{"word":"it","start":2069.2148,"end":2069.375,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06153115630149841},{"word":"done","start":2069.375,"end":2069.535,"confidence":0.99902344,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.08394216001033783},{"word":"by","start":2069.535,"end":2069.775,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.11909181624650957},{"word":"the","start":2069.775,"end":2069.855,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06692559272050858},{"word":"end","start":2069.855,"end":2070.015,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.07642656564712524},{"word":"of","start":2070.015,"end":2070.095,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06751808524131775},{"word":"the","start":2070.095,"end":2070.255,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04636750370264053},{"word":"year","start":2070.255,"end":2070.655,"confidence":0.99658203,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.05396702513098717},{"word":"that","start":2070.655,"end":2070.815,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06783799827098846},{"word":"would","start":2070.815,"end":2070.9749,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.06660333275794983},{"word":"be","start":2070.9749,"end":2071.295,"confidence":0.90185547,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":-0.04974021017551422},{"word":"yeah","start":2071.295,"end":2071.535,"confidence":0.9980469,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.025172114372253414},{"word":"that","start":2071.535,"end":2071.695,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02397431433200836},{"word":"would","start":2071.695,"end":2071.855,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.01539795845746994},{"word":"be","start":2071.855,"end":2072.015,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.020280517637729645},{"word":"ideal","start":2072.015,"end":2072.515,"confidence":0.9765625,"punctuated_word":"ideal.","sentiment":"neutral","sentiment_score":-0.01596173644065857},{"word":"but","start":2074.4302,"end":2074.6702,"confidence":0.8605957,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.08639737963676453},{"word":"yeah","start":2074.6702,"end":2075.07,"confidence":0.9921875,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.10238288342952728},{"word":"we're","start":2075.07,"end":2075.31,"confidence":0.99902344,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.14698778092861176},{"word":"not","start":2075.31,"end":2075.55,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.14979685842990875},{"word":"sort","start":2075.55,"end":2075.87,"confidence":0.9038086,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.2046535313129425},{"word":"sort","start":2075.87,"end":2076.11,"confidence":0.61035156,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.1853485405445099},{"word":"of","start":2076.11,"end":2076.35,"confidence":0.92407227,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.20002159476280212},{"word":"like","start":2076.35,"end":2076.6702,"confidence":0.99658203,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.2417061477899551},{"word":"super","start":2076.6702,"end":2077.07,"confidence":0.99609375,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.22315050661563873},{"word":"stressed","start":2077.07,"end":2077.4702,"confidence":0.99609375,"punctuated_word":"stressed","sentiment":"neutral","sentiment_score":-0.19126224517822263},{"word":"about","start":2077.4702,"end":2077.6301,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.22315381467342377},{"word":"it","start":2077.6301,"end":2078.1301,"confidence":0.9440918,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.21222062408924103},{"word":"but","start":2078.4302,"end":2078.59,"confidence":0.90625,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.0978562831878662},{"word":"yeah","start":2078.6702,"end":2079.1702,"confidence":0.8967285,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.07638687640428543},{"word":"yeah","start":2080.03,"end":2080.53,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1628638505935669},{"word":"yeah","start":2083.7102,"end":2084.2102,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2230992615222931},{"word":"yeah","start":2086.6702,"end":2087.07,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2093275636434555},{"word":"yeah","start":2087.07,"end":2087.57,"confidence":0.984375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.22394707798957825},{"word":"that","start":2087.7102,"end":2087.9502,"confidence":0.7949219,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.3236260414123535},{"word":"would","start":2087.9502,"end":2088.11,"confidence":1.0,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.366971880197525},{"word":"be","start":2088.11,"end":2088.61,"confidence":0.97631836,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":0.2797766923904419},{"word":"mhmm","start":2096.365,"end":2096.865,"confidence":0.94885254,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.02938082069158554},{"word":"oh","start":2099.3252,"end":2099.645,"confidence":0.8195801,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.19161120057106015},{"word":"gosh","start":2099.645,"end":2100.145,"confidence":0.9983724,"punctuated_word":"gosh.","sentiment":"neutral","sentiment_score":-0.2541368901729584},{"word":"i'm","start":2100.2852,"end":2100.445,"confidence":0.6936035,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.3371301591396332},{"word":"more","start":2100.445,"end":2100.685,"confidence":0.34228516,"punctuated_word":"more","sentiment":"negative","sentiment_score":-0.3710085153579712},{"word":"like","start":2100.685,"end":2100.8452,"confidence":0.3647461,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.3151495158672333},{"word":"this","start":2100.8452,"end":2101.0051,"confidence":0.4753418,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.3883762955665589},{"word":"a","start":2101.0051,"end":2101.165,"confidence":0.32495117,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.37938734889030457},{"word":"depreciating","start":2101.165,"end":2101.665,"confidence":0.9897461,"punctuated_word":"depreciating","sentiment":"negative","sentiment_score":-0.4493343234062195},{"word":"asset","start":2102.0452,"end":2102.5251,"confidence":0.7297363,"punctuated_word":"asset,","sentiment":"negative","sentiment_score":-0.3813585042953491},{"word":"so","start":2102.5251,"end":2103.0051,"confidence":0.9941406,"punctuated_word":"so","sentiment":"negative","sentiment_score":-0.4018728137016296},{"word":"you","start":2103.0051,"end":2103.165,"confidence":0.45825195,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.5474628806114197},{"word":"should","start":2103.165,"end":2103.405,"confidence":0.9873047,"punctuated_word":"should","sentiment":"negative","sentiment_score":-0.559909462928772},{"word":"probably","start":2103.405,"end":2103.905,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"negative","sentiment_score":-0.5183460712432861},{"word":"drop","start":2104.59,"end":2104.67,"confidence":0.9194336,"punctuated_word":"drop","sentiment":"negative","sentiment_score":-0.5307074785232544},{"word":"it","start":2104.67,"end":2104.75,"confidence":0.9970703,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.44852256774902344},{"word":"maybe","start":2104.75,"end":2105.25,"confidence":0.8100586,"punctuated_word":"maybe.","sentiment":"negative","sentiment_score":-0.42351436614990234},{"word":"i","start":2105.9502,"end":2106.11,"confidence":0.8330078,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2860781252384186},{"word":"wouldn't","start":2106.11,"end":2106.59,"confidence":0.9995117,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.2356218099594116},{"word":"obviously","start":2107.1501,"end":2107.6301,"confidence":0.7763672,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.2088914215564728},{"word":"with","start":2107.6301,"end":2107.9502,"confidence":0.99316406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.24948254227638245},{"word":"the","start":2107.9502,"end":2108.27,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2428528219461441},{"word":"financials","start":2108.27,"end":2108.77,"confidence":0.9581706,"punctuated_word":"financials,","sentiment":"neutral","sentiment_score":-0.21283867955207825},{"word":"our","start":2108.83,"end":2108.99,"confidence":0.89208984,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.2321372777223587},{"word":"accountant","start":2108.99,"end":2109.49,"confidence":0.984375,"punctuated_word":"accountant","sentiment":"neutral","sentiment_score":-0.1987445056438446},{"word":"does","start":2109.55,"end":2110.03,"confidence":0.9980469,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.18456806242465973},{"word":"everything","start":2110.03,"end":2110.53,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.16799144446849823},{"word":"because","start":2111.7102,"end":2112.03,"confidence":0.4975586,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2190262675285339},{"word":"all","start":2112.03,"end":2112.1902,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.18921564519405365},{"word":"of","start":2112.1902,"end":2112.35,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.22649523615837097},{"word":"that","start":2112.35,"end":2112.59,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.18764689564704895},{"word":"stuff","start":2112.59,"end":2112.83,"confidence":0.9980469,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":-0.19704782962799072},{"word":"is","start":2112.83,"end":2113.1501,"confidence":0.9560547,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.18457700312137604},{"word":"kind","start":2113.1501,"end":2113.31,"confidence":0.8461914,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.22414399683475497},{"word":"of","start":2113.31,"end":2113.55,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2772323489189148},{"word":"linked","start":2113.55,"end":2113.79,"confidence":0.99609375,"punctuated_word":"linked","sentiment":"neutral","sentiment_score":-0.2226382941007614},{"word":"to","start":2113.79,"end":2113.9502,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2103801816701889},{"word":"my","start":2113.9502,"end":2114.11,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.2922774851322174},{"word":"husband's","start":2114.11,"end":2114.59,"confidence":0.9946289,"punctuated_word":"husband's","sentiment":"neutral","sentiment_score":-0.2547774016857147},{"word":"business","start":2114.59,"end":2115.09,"confidence":0.9367676,"punctuated_word":"business.","sentiment":"neutral","sentiment_score":-0.20500563085079193},{"word":"so","start":2116.725,"end":2116.965,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.11313813924789427},{"word":"they","start":2116.965,"end":2117.365,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.1763083040714264},{"word":"would've","start":2117.365,"end":2117.685,"confidence":0.8071289,"punctuated_word":"would've","sentiment":"neutral","sentiment_score":-0.1577046513557434},{"word":"she","start":2117.7651,"end":2117.925,"confidence":0.99609375,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.1867023408412933},{"word":"would've","start":2117.925,"end":2118.245,"confidence":0.9658203,"punctuated_word":"would've","sentiment":"neutral","sentiment_score":-0.18840178847312927},{"word":"appreciated","start":2118.245,"end":2118.745,"confidence":0.7294922,"punctuated_word":"appreciated","sentiment":"neutral","sentiment_score":0.099802628159523},{"word":"the","start":2119.0452,"end":2119.125,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011965811252593994},{"word":"caravan","start":2119.125,"end":2119.6052,"confidence":0.8742676,"punctuated_word":"caravan,","sentiment":"neutral","sentiment_score":-0.0407492034137249},{"word":"i'm","start":2119.6052,"end":2119.7651,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.051412176340818405},{"word":"sure","start":2119.7651,"end":2120.2651,"confidence":0.9995117,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":-0.01506614312529564},{"word":"oh","start":2125.205,"end":2125.455,"confidence":0.95947266,"punctuated_word":"Oh","sentiment":"neutral","sentiment_score":-0.015574008226394652},{"word":"gosh","start":2125.455,"end":2125.955,"confidence":0.8354492,"punctuated_word":"gosh.","sentiment":"neutral","sentiment_score":-0.02890411764383316},{"word":"yeah","start":2131.39,"end":2131.47,"confidence":0.9406738,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13888907432556152},{"word":"i","start":2131.47,"end":2131.55,"confidence":0.8100586,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16419638693332672},{"word":"suppose","start":2131.55,"end":2131.8699,"confidence":0.99609375,"punctuated_word":"suppose","sentiment":"neutral","sentiment_score":0.1581803858280182},{"word":"if","start":2131.8699,"end":2132.03,"confidence":0.984375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2068653553724289},{"word":"we","start":2132.03,"end":2132.19,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1698022484779358},{"word":"could","start":2132.19,"end":2132.35,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.2089938223361969},{"word":"get","start":2132.35,"end":2132.67,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.17844080924987793},{"word":"about","start":2132.67,"end":2132.91,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1255546808242798},{"word":"50","start":2132.91,"end":2133.31,"confidence":1.0,"punctuated_word":"50","sentiment":"neutral","sentiment_score":0.24432167410850525},{"word":"for","start":2133.31,"end":2133.55,"confidence":0.96972656,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.192342072725296},{"word":"it","start":2133.55,"end":2133.79,"confidence":0.95458984,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.16557902097702026},{"word":"that","start":2133.79,"end":2133.95,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4324669241905213},{"word":"would","start":2133.95,"end":2134.19,"confidence":1.0,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.3831676244735718},{"word":"be","start":2134.19,"end":2134.35,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.34858039021492004},{"word":"great","start":2134.35,"end":2134.85,"confidence":1.0,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.38953977823257446},{"word":"yeah","start":2135.95,"end":2136.45,"confidence":0.9921875,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.38562285900115967},{"word":"but","start":2137.15,"end":2137.31,"confidence":0.78808594,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.21360869705677032},{"word":"yeah","start":2137.39,"end":2137.89,"confidence":0.99560547,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.1466214507818222},{"word":"that's","start":2138.03,"end":2138.43,"confidence":0.6900635,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2347823679447174},{"word":"great","start":2138.43,"end":2138.93,"confidence":0.8442383,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.4890037178993225},{"word":"yep","start":2142.43,"end":2142.93,"confidence":0.99658203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.031425368040800095},{"word":"yeah","start":2154.8452,"end":2155.165,"confidence":0.9284668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06257840245962143},{"word":"it's","start":2155.165,"end":2155.405,"confidence":0.63830566,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.09542319178581238},{"word":"fine","start":2155.405,"end":2155.905,"confidence":0.84716797,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.0788077563047409},{"word":"maybe","start":2157.9202,"end":2158.24,"confidence":0.6990967,"punctuated_word":"Maybe,","sentiment":"neutral","sentiment_score":0.03733289986848831},{"word":"like","start":2158.24,"end":2158.56,"confidence":0.99072266,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.03315461426973343},{"word":"a","start":2158.56,"end":2158.7202,"confidence":0.96240234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.028741370886564255},{"word":"25","start":2158.7202,"end":2159.4402,"confidence":0.9975586,"punctuated_word":"25","sentiment":"neutral","sentiment_score":0.02675480768084526},{"word":"because","start":2159.4402,"end":2159.84,"confidence":0.66503906,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.03094923496246338},{"word":"i","start":2159.84,"end":2159.9202,"confidence":0.9741211,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.025002049282193184},{"word":"think","start":2159.9202,"end":2160.1602,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.016601338982582092},{"word":"yeah","start":2160.32,"end":2160.82,"confidence":0.9980469,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0291756521910429},{"word":"yeah","start":2161.2002,"end":2161.7002,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03821021318435669},{"word":"yeah","start":2162.0,"end":2162.24,"confidence":0.95825195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05458670109510422},{"word":"the","start":2162.24,"end":2162.32,"confidence":0.40185547,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.06503956019878387},{"word":"service","start":2162.32,"end":2162.82,"confidence":0.34936523,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.08657733350992203},{"word":"depreciation","start":2163.12,"end":2163.62,"confidence":0.8532715,"punctuated_word":"depreciation.","sentiment":"neutral","sentiment_score":0.18169546127319336},{"word":"yep","start":2164.0,"end":2164.5,"confidence":0.8718262,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0898064374923706},{"word":"yep","start":2166.8,"end":2167.3,"confidence":0.8647461,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.056632570922374725},{"word":"yep","start":2172.7202,"end":2173.2202,"confidence":0.798584,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.054447002708911896},{"word":"yes","start":2173.575,"end":2174.075,"confidence":0.98999023,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0900600403547287},{"word":"yes","start":2177.4949,"end":2177.7449,"confidence":0.93603516,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.02457449585199356},{"word":"yep","start":2177.7449,"end":2178.2449,"confidence":0.9812012,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.026958923786878582},{"word":"no","start":2187.8499,"end":2188.17,"confidence":0.85913086,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.16048672795295715},{"word":"we","start":2188.17,"end":2188.41,"confidence":0.984375,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.1601531058549881},{"word":"put","start":2188.41,"end":2188.65,"confidence":0.99609375,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.1222589910030365},{"word":"that","start":2188.65,"end":2188.89,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13700972497463226},{"word":"all","start":2188.89,"end":2189.13,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.1604565680027008},{"word":"back","start":2189.13,"end":2189.3699,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.145487979054451},{"word":"into","start":2189.3699,"end":2189.77,"confidence":0.6678467,"punctuated_word":"into,","sentiment":"neutral","sentiment_score":-0.1282253861427307},{"word":"yeah","start":2189.77,"end":2190.17,"confidence":0.9814453,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.10579896718263626},{"word":"the","start":2190.17,"end":2190.65,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11716246604919434},{"word":"the","start":2190.65,"end":2191.15,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1117616817355156},{"word":"it","start":2191.69,"end":2191.8499,"confidence":0.9604492,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0915931761264801},{"word":"was","start":2191.8499,"end":2192.01,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.1321268230676651},{"word":"meant","start":2192.01,"end":2192.25,"confidence":0.98828125,"punctuated_word":"meant","sentiment":"neutral","sentiment_score":-0.16908209025859833},{"word":"to","start":2192.25,"end":2192.41,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10234459489583968},{"word":"be","start":2192.41,"end":2192.57,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.10035991668701172},{"word":"put","start":2192.57,"end":2192.73,"confidence":0.9892578,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.10353192687034608},{"word":"into","start":2192.73,"end":2192.97,"confidence":0.94140625,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.12834852933883667},{"word":"an","start":2192.97,"end":2193.13,"confidence":0.9580078,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.11870880424976347},{"word":"offset","start":2193.13,"end":2193.6099,"confidence":0.6633301,"punctuated_word":"offset,","sentiment":"neutral","sentiment_score":-0.09392926841974258},{"word":"and","start":2193.6099,"end":2193.93,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1319659948348999},{"word":"when","start":2193.93,"end":2194.17,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.2138610482215881},{"word":"they","start":2194.17,"end":2194.41,"confidence":0.9658203,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.1570592224597931},{"word":"set","start":2194.41,"end":2194.65,"confidence":0.98535156,"punctuated_word":"set","sentiment":"neutral","sentiment_score":-0.14616909623146057},{"word":"up","start":2194.65,"end":2194.97,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.14419354498386383},{"word":"the","start":2194.97,"end":2195.45,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15043164789676666},{"word":"new","start":2195.45,"end":2195.95,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.1523631513118744},{"word":"lines","start":2196.17,"end":2196.67,"confidence":0.96069336,"punctuated_word":"lines,","sentiment":"neutral","sentiment_score":-0.18507647514343264},{"word":"they","start":2196.73,"end":2196.89,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.24397389590740204},{"word":"didn't","start":2196.89,"end":2197.39,"confidence":0.9995117,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.2594916522502899},{"word":"quite","start":2197.93,"end":2198.25,"confidence":0.90527344,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.30536848306655884},{"word":"do","start":2198.25,"end":2198.41,"confidence":0.9770508,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.27892404794692993},{"word":"it","start":2198.41,"end":2198.57,"confidence":0.9580078,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2328273206949234},{"word":"the","start":2198.57,"end":2198.65,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.25559842586517334},{"word":"way","start":2198.65,"end":2198.81,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.2812473475933075},{"word":"we","start":2198.81,"end":2198.97,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.235512375831604},{"word":"wanted","start":2198.97,"end":2199.29,"confidence":0.8613281,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.1969226598739624},{"word":"to","start":2199.29,"end":2199.45,"confidence":0.94628906,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":-0.1609090268611908},{"word":"so","start":2199.45,"end":2199.69,"confidence":0.88305664,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.12334266304969788},{"word":"yeah","start":2199.69,"end":2199.93,"confidence":0.98046875,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.13053825497627258},{"word":"unfortunately","start":2199.93,"end":2200.43,"confidence":0.9875488,"punctuated_word":"unfortunately,","sentiment":"neutral","sentiment_score":-0.1723751425743103},{"word":"that's","start":2200.57,"end":2200.81,"confidence":0.9794922,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.22928091883659363},{"word":"gone","start":2200.81,"end":2201.13,"confidence":0.83984375,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.22543644905090332},{"word":"all","start":2201.13,"end":2201.29,"confidence":0.9951172,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.2052474021911621},{"word":"all","start":2201.29,"end":2201.53,"confidence":0.9863281,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.21961162984371185},{"word":"in","start":2201.53,"end":2201.77,"confidence":0.91259766,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.269015371799469},{"word":"back","start":2201.8499,"end":2202.0898,"confidence":0.9892578,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.3068273961544037},{"word":"into","start":2202.0898,"end":2202.41,"confidence":0.9902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.27848413586616516},{"word":"the","start":2202.41,"end":2202.885,"confidence":0.9560547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.232819139957428},{"word":"the","start":2203.205,"end":2203.365,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19156590104103088},{"word":"home","start":2203.365,"end":2203.765,"confidence":0.97387695,"punctuated_word":"home.","sentiment":"neutral","sentiment_score":-0.1925584375858307},{"word":"but","start":2203.765,"end":2204.0051,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.09523138403892516},{"word":"anyway","start":2204.0051,"end":2204.325,"confidence":0.54833984,"punctuated_word":"anyway","sentiment":"neutral","sentiment_score":-0.08262805640697479},{"word":"so","start":2204.405,"end":2204.645,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.05810697376728058},{"word":"we've","start":2204.645,"end":2204.805,"confidence":0.97924805,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.0426807701587677},{"word":"we've","start":2204.805,"end":2205.125,"confidence":0.9980469,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.026127461344003677},{"word":"got","start":2205.125,"end":2205.625,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.03473001345992088},{"word":"we've","start":2205.925,"end":2206.245,"confidence":0.92749023,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.012973066419363022},{"word":"got","start":2206.245,"end":2206.485,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.014482729136943815},{"word":"an","start":2206.485,"end":2206.565,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.03632403910160065},{"word":"offset","start":2206.565,"end":2207.045,"confidence":0.8671875,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":-0.058266397565603256},{"word":"facility","start":2207.045,"end":2207.545,"confidence":0.99902344,"punctuated_word":"facility","sentiment":"neutral","sentiment_score":-0.038696639239788055},{"word":"that","start":2208.805,"end":2208.965,"confidence":0.9790039,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03508782014250755},{"word":"we","start":2208.965,"end":2209.205,"confidence":0.984375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.01355605572462082},{"word":"then","start":2209.205,"end":2209.445,"confidence":0.95947266,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.01663871854543686},{"word":"just","start":2209.445,"end":2209.685,"confidence":0.9892578,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.02100403979420662},{"word":"you","start":2209.845,"end":2210.085,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04449370503425598},{"word":"know","start":2210.085,"end":2210.585,"confidence":0.90356445,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.04549628123641014},{"word":"all","start":2210.725,"end":2210.885,"confidence":0.98535156,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.03869427740573883},{"word":"the","start":2210.885,"end":2211.045,"confidence":0.921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.018295355141162872},{"word":"extra","start":2211.045,"end":2211.365,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.06590751558542252},{"word":"money","start":2211.365,"end":2211.685,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.04353935271501541},{"word":"goes","start":2211.685,"end":2211.925,"confidence":0.9941406,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.04026069492101669},{"word":"into","start":2211.925,"end":2212.245,"confidence":0.9970703,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.06864412873983383},{"word":"that","start":2212.245,"end":2212.745,"confidence":0.904541,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.03366374224424362},{"word":"and","start":2213.685,"end":2213.925,"confidence":0.94970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.012111429125070572},{"word":"then","start":2213.925,"end":2214.165,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.014575502835214138},{"word":"that's","start":2214.165,"end":2214.565,"confidence":0.9921875,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.014601199887692928},{"word":"what","start":2214.565,"end":2214.805,"confidence":0.9277344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.013022773899137974},{"word":"we","start":2214.805,"end":2214.885,"confidence":0.47314453,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.018327411264181137},{"word":"if","start":2214.965,"end":2215.125,"confidence":0.95947266,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.023167071864008904},{"word":"we","start":2215.125,"end":2215.285,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02615461498498917},{"word":"need","start":2215.285,"end":2215.445,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.022810256108641624},{"word":"to","start":2215.445,"end":2215.525,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.025380952283740044},{"word":"and","start":2215.685,"end":2215.845,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.015735752880573273},{"word":"it's","start":2215.845,"end":2216.0051,"confidence":0.96069336,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.02404179237782955},{"word":"a","start":2216.0051,"end":2216.165,"confidence":0.88964844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.033787764608860016},{"word":"redraw","start":2216.165,"end":2216.565,"confidence":0.98828125,"punctuated_word":"redraw","sentiment":"neutral","sentiment_score":0.02516048215329647},{"word":"account","start":2216.565,"end":2216.965,"confidence":0.87158203,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.0034410441294312477},{"word":"so","start":2216.965,"end":2217.125,"confidence":0.97998047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.013090682215988636},{"word":"if","start":2217.125,"end":2217.285,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.01654219999909401},{"word":"we","start":2217.285,"end":2217.445,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.026109084486961365},{"word":"need","start":2217.445,"end":2217.69,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.019026819616556168},{"word":"to","start":2217.69,"end":2217.8499,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.026644781231880188},{"word":"draw","start":2217.8499,"end":2218.01,"confidence":0.99609375,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.016503136605024338},{"word":"out","start":2218.01,"end":2218.0898,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.0230577252805233},{"word":"of","start":2218.0898,"end":2218.17,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.028125453740358353},{"word":"it","start":2218.17,"end":2218.41,"confidence":0.953125,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.02650876902043819},{"word":"we","start":2218.41,"end":2218.65,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05215426906943321},{"word":"can","start":2218.65,"end":2219.15,"confidence":0.9501953,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.04009100049734115},{"word":"and","start":2219.45,"end":2219.6099,"confidence":0.5800781,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02470255084335804},{"word":"that's","start":2219.6099,"end":2219.8499,"confidence":0.9885254,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.026036731898784637},{"word":"where","start":2219.8499,"end":2220.01,"confidence":0.9223633,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.03263068199157715},{"word":"we're","start":2220.01,"end":2220.41,"confidence":0.87890625,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.047315578907728195},{"word":"putting","start":2220.41,"end":2220.73,"confidence":0.9770508,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.05509238690137863},{"word":"an","start":2220.73,"end":2220.89,"confidence":0.5131836,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.038744308054447174},{"word":"extra","start":2220.89,"end":2221.29,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.03499934822320938},{"word":"and","start":2221.29,"end":2221.45,"confidence":0.51171875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03472916781902313},{"word":"then","start":2221.45,"end":2221.6099,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.05097835510969162},{"word":"we","start":2221.6099,"end":2221.77,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05670289695262909},{"word":"pull","start":2221.77,"end":2221.93,"confidence":0.9980469,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":0.08140826225280762},{"word":"out","start":2221.93,"end":2222.0898,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.07012972235679626},{"word":"of","start":2222.0898,"end":2222.17,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07159972190856934},{"word":"that","start":2222.17,"end":2222.41,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05001552030444145},{"word":"for","start":2222.41,"end":2222.5698,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.043074943125247955},{"word":"the","start":2222.5698,"end":2222.65,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04169376194477081},{"word":"granny","start":2222.65,"end":2223.05,"confidence":0.97314453,"punctuated_word":"granny","sentiment":"neutral","sentiment_score":0.0391317680478096},{"word":"flat","start":2223.05,"end":2223.29,"confidence":0.8066406,"punctuated_word":"flat.","sentiment":"neutral","sentiment_score":0.04555230587720871},{"word":"so","start":2223.29,"end":2223.45,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1126970201730728},{"word":"that's","start":2223.45,"end":2223.77,"confidence":0.99365234,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.16370734572410583},{"word":"how","start":2223.77,"end":2223.93,"confidence":0.5395508,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.14080464839935303},{"word":"what","start":2224.0898,"end":2224.3298,"confidence":0.5292969,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2710613012313843},{"word":"we're","start":2224.3298,"end":2224.5698,"confidence":0.9638672,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.0505952462553978},{"word":"confusing","start":2224.5698,"end":2225.0698,"confidence":0.6533203,"punctuated_word":"confusing","sentiment":"neutral","sentiment_score":0.16686615347862244},{"word":"it","start":2225.13,"end":2225.63,"confidence":0.91064453,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.14829720556735992},{"word":"yep","start":2226.01,"end":2226.51,"confidence":0.9916992,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18771100044250488},{"word":"yep","start":2235.8152,"end":2236.3152,"confidence":0.97143555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01830830425024033},{"word":"no","start":2240.455,"end":2240.855,"confidence":0.9284668,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.03731345385313034},{"word":"that's","start":2240.855,"end":2241.2551,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.010381704196333883},{"word":"pretty","start":2241.2551,"end":2241.655,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.016982004046440125},{"word":"pretty","start":2241.655,"end":2242.135,"confidence":0.6328125,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.027577988803386688},{"word":"consistent","start":2242.135,"end":2242.635,"confidence":0.99658203,"punctuated_word":"consistent.","sentiment":"neutral","sentiment_score":-0.011661138385534286},{"word":"yeah","start":2243.0952,"end":2243.5752,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.028304150328040123},{"word":"caracas","start":2243.5752,"end":2244.0752,"confidence":0.4766439,"punctuated_word":"Caracas.","sentiment":"neutral","sentiment_score":0.020764749497175217},{"word":"yeah","start":2244.455,"end":2244.955,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.049192823469638824},{"word":"mhmm","start":2253.41,"end":2253.91,"confidence":0.99328613,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.01359603088349104},{"word":"yes","start":2253.97,"end":2254.47,"confidence":0.8076172,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.01041868980973959},{"word":"that's","start":2254.5298,"end":2254.93,"confidence":0.9951172,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.007519462611526251},{"word":"gone","start":2254.93,"end":2255.25,"confidence":0.7651367,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.009890317916870115},{"word":"up","start":2255.25,"end":2255.75,"confidence":0.9890137,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.007122054696083069},{"word":"i'd","start":2257.17,"end":2257.41,"confidence":0.85961914,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.014670997858047484},{"word":"say","start":2257.41,"end":2257.65,"confidence":0.9970703,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.022645190358161926},{"word":"that's","start":2257.65,"end":2257.89,"confidence":0.9921875,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.02155137062072754},{"word":"probably","start":2257.89,"end":2258.2898,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.027037255465984344},{"word":"about","start":2258.2898,"end":2258.69,"confidence":0.9951172,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0160173699259758},{"word":"$9,900","start":2258.69,"end":2259.89,"confidence":0.97875977,"punctuated_word":"$9,900","sentiment":"neutral","sentiment_score":0.01814061962068081},{"word":"now","start":2259.89,"end":2260.39,"confidence":0.99902344,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.020645510405302048},{"word":"yep","start":2265.655,"end":2266.155,"confidence":0.9511719,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09782503545284273},{"word":"mhmm","start":2266.375,"end":2266.875,"confidence":0.9484863,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.06407875567674637},{"word":"yeah","start":2268.455,"end":2268.855,"confidence":0.7531738,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03558581694960594},{"word":"that","start":2268.855,"end":2269.095,"confidence":0.9863281,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.03167570009827614},{"word":"could","start":2269.095,"end":2269.335,"confidence":0.9970703,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.038671258836984634},{"word":"probably","start":2269.335,"end":2269.735,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.04376107454299927},{"word":"go","start":2269.735,"end":2269.975,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.043715786188840866},{"word":"up","start":2269.975,"end":2270.215,"confidence":0.9482422,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.036277931183576584},{"word":"to","start":2270.215,"end":2270.455,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0466027557849884},{"word":"1","start":2270.455,"end":2270.615,"confidence":0.9707031,"punctuated_word":"1","sentiment":"neutral","sentiment_score":0.03987427800893784},{"word":"i","start":2270.7751,"end":2270.855,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04477095603942871},{"word":"would","start":2270.855,"end":2271.095,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.045597244054079056},{"word":"say","start":2271.095,"end":2271.335,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.060470256954431534},{"word":"$1.02","start":2271.335,"end":2272.155,"confidence":0.7585449,"punctuated_word":"$1.02.","sentiment":"neutral","sentiment_score":0.03806717321276665},{"word":"so","start":2272.215,"end":2272.455,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.026301130652427673},{"word":"maybe","start":2272.455,"end":2272.695,"confidence":0.87890625,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.04191911965608597},{"word":"another","start":2272.695,"end":2273.095,"confidence":0.9863281,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.03366594761610031},{"word":"100,000","start":2273.095,"end":2273.895,"confidence":0.94299316,"punctuated_word":"100,000.","sentiment":"neutral","sentiment_score":0.04141013324260712},{"word":"yep","start":2273.895,"end":2274.395,"confidence":0.9746094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06690454483032227},{"word":"yeah","start":2276.83,"end":2277.07,"confidence":0.95581055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.23044191300868988},{"word":"the","start":2277.07,"end":2277.23,"confidence":0.9941406,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.26163017749786377},{"word":"wa","start":2277.23,"end":2277.71,"confidence":0.93115234,"punctuated_word":"WA","sentiment":"neutral","sentiment_score":0.1999558657407761},{"word":"property","start":2277.71,"end":2278.11,"confidence":0.5576172,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.1825137585401535},{"word":"market's","start":2278.11,"end":2278.51,"confidence":0.8952637,"punctuated_word":"market's","sentiment":"neutral","sentiment_score":0.16319207847118378},{"word":"doing","start":2278.51,"end":2278.75,"confidence":0.9980469,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.19757771492004397},{"word":"well","start":2278.75,"end":2279.25,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2188738584518433},{"word":"yeah","start":2280.59,"end":2281.09,"confidence":0.76123047,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2046101987361908},{"word":"yeah","start":2289.07,"end":2289.57,"confidence":0.9008789,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07260234653949738},{"word":"yeah","start":2290.19,"end":2290.305,"confidence":0.7692871,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07365268468856812},{"word":"yeah","start":2292.385,"end":2292.885,"confidence":0.8210449,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0572514683008194},{"word":"yeah","start":2293.105,"end":2293.605,"confidence":0.9655762,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11384359002113342},{"word":"yes","start":2299.585,"end":2300.085,"confidence":0.8857422,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04886355996131897},{"word":"yep","start":2305.93,"end":2306.43,"confidence":0.98535156,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03247150778770447},{"word":"yes","start":2308.97,"end":2309.47,"confidence":0.9914551,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.03702067583799362},{"word":"so","start":2309.93,"end":2310.25,"confidence":0.98291016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04924089461565018},{"word":"we've","start":2310.25,"end":2310.73,"confidence":0.9970703,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.049608390778303146},{"word":"we've","start":2310.73,"end":2311.0498,"confidence":0.99658203,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.07581250369548798},{"word":"now","start":2311.0498,"end":2311.2898,"confidence":0.9980469,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.08304796367883682},{"word":"yeah","start":2311.45,"end":2311.69,"confidence":0.99121094,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0883883684873581},{"word":"we","start":2311.69,"end":2311.93,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.09779001772403716},{"word":"actually","start":2311.93,"end":2312.3298,"confidence":0.9902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.08450067788362503},{"word":"did","start":2312.3298,"end":2312.49,"confidence":0.9863281,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.1086902990937233},{"word":"that","start":2312.49,"end":2312.65,"confidence":0.9433594,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.11151622235774994},{"word":"yeah","start":2312.65,"end":2312.8098,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17558036744594574},{"word":"because","start":2312.8098,"end":2313.0498,"confidence":0.9892578,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.27417421340942383},{"word":"that","start":2313.0498,"end":2313.13,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.39447277784347534},{"word":"was","start":2313.13,"end":2313.2898,"confidence":0.99902344,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.40043383836746216},{"word":"one","start":2313.2898,"end":2313.45,"confidence":0.99902344,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.3969632089138031},{"word":"of","start":2313.45,"end":2313.53,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.39164748787879944},{"word":"the","start":2313.53,"end":2313.6099,"confidence":0.9873047,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4467234015464782},{"word":"things","start":2313.6099,"end":2313.8499,"confidence":0.99609375,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.49553459882736206},{"word":"that","start":2313.8499,"end":2313.93,"confidence":0.328125,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4607950150966644},{"word":"we're","start":2313.93,"end":2314.0898,"confidence":0.7565918,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.4781832695007324},{"word":"like","start":2314.0898,"end":2314.3298,"confidence":0.8354492,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08079851418733597},{"word":"oh","start":2314.3298,"end":2314.41,"confidence":0.9272461,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.15555548667907715},{"word":"we","start":2314.41,"end":2314.5698,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15590259432792664},{"word":"need","start":2314.5698,"end":2314.8098,"confidence":0.99609375,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.17288538813591003},{"word":"to","start":2314.8098,"end":2314.89,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1813507974147797},{"word":"get","start":2314.89,"end":2315.0498,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1761536002159119},{"word":"our","start":2315.0498,"end":2315.21,"confidence":0.8989258,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.1667516678571701},{"word":"wheels","start":2315.21,"end":2315.45,"confidence":0.3256836,"punctuated_word":"wheels","sentiment":"neutral","sentiment_score":0.18429644405841827},{"word":"done","start":2315.45,"end":2315.715,"confidence":0.982666,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.18834277987480164},{"word":"so","start":2315.955,"end":2316.195,"confidence":0.9941406,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3563573956489563},{"word":"we've","start":2316.195,"end":2316.675,"confidence":0.9951172,"punctuated_word":"we've","sentiment":"positive","sentiment_score":0.4067119061946869},{"word":"done","start":2316.675,"end":2316.995,"confidence":0.9970703,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.3923323154449463},{"word":"well","start":2316.995,"end":2317.495,"confidence":0.798584,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.3290212154388428},{"word":"i","start":2319.955,"end":2320.195,"confidence":0.9248047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.010076384991407394},{"word":"can't","start":2320.195,"end":2320.435,"confidence":0.9980469,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.008581875823438168},{"word":"remember","start":2320.435,"end":2320.935,"confidence":0.6644287,"punctuated_word":"remember,","sentiment":"neutral","sentiment_score":-0.017223242670297623},{"word":"it","start":2321.875,"end":2321.955,"confidence":0.5107422,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03065875917673111},{"word":"was","start":2321.955,"end":2322.195,"confidence":0.76953125,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.02280353754758835},{"word":"a","start":2322.195,"end":2322.2751,"confidence":0.9604492,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01402021199464798},{"word":"little","start":2322.2751,"end":2322.435,"confidence":0.9560547,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.01886617951095104},{"word":"while","start":2322.435,"end":2322.675,"confidence":0.99121094,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.015466347336769104},{"word":"ago","start":2322.675,"end":2322.915,"confidence":0.9980469,"punctuated_word":"ago","sentiment":"neutral","sentiment_score":-0.010555101558566092},{"word":"now","start":2322.915,"end":2323.415,"confidence":0.96899414,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.01839327812194824},{"word":"if","start":2323.955,"end":2324.455,"confidence":0.9863281,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.022386830300092697},{"word":"if","start":2324.675,"end":2324.8352,"confidence":0.9819336,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.018318939954042435},{"word":"the","start":2324.8352,"end":2325.0752,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01949195936322212},{"word":"power","start":2325.0752,"end":2325.3152,"confidence":0.96240234,"punctuated_word":"power","sentiment":"neutral","sentiment_score":-0.00685698539018631},{"word":"of","start":2325.3152,"end":2325.395,"confidence":0.9614258,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.013235915452241898},{"word":"attorney","start":2325.395,"end":2325.7952,"confidence":1.0,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":-0.011177370324730871},{"word":"was","start":2325.7952,"end":2326.0352,"confidence":0.99609375,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.036006491631269455},{"word":"part","start":2326.0352,"end":2326.195,"confidence":0.99902344,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.018628595396876335},{"word":"of","start":2326.195,"end":2326.355,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.012469753623008728},{"word":"that","start":2326.355,"end":2326.675,"confidence":0.99121094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.008738186210393906},{"word":"or","start":2326.675,"end":2326.8352,"confidence":0.9921875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.002251863479614258},{"word":"not","start":2326.8352,"end":2327.3352,"confidence":0.9848633,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.01079905591905117},{"word":"yeah","start":2329.24,"end":2329.48,"confidence":0.9797363,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05530695617198944},{"word":"but","start":2329.48,"end":2329.56,"confidence":0.99609375,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.09922938793897627},{"word":"we","start":2329.56,"end":2329.8,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14525985717773438},{"word":"we've","start":2329.8801,"end":2330.12,"confidence":0.99902344,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.213373064994812},{"word":"definitely","start":2330.12,"end":2330.6,"confidence":0.9970703,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.2633562386035919},{"word":"done","start":2330.6,"end":2330.76,"confidence":0.99609375,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.23856864869594577},{"word":"the","start":2330.76,"end":2330.9202,"confidence":0.9526367,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34994712471961975},{"word":"will","start":2330.9202,"end":2331.24,"confidence":0.5852051,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.24182042479515076},{"word":"yes","start":2331.24,"end":2331.6401,"confidence":0.8076172,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08737865090370178},{"word":"so","start":2331.6401,"end":2331.8801,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.024020196869969368},{"word":"that's","start":2331.8801,"end":2332.36,"confidence":0.85009766,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.004842428490519524},{"word":"seems","start":2332.4402,"end":2332.6802,"confidence":0.3815918,"punctuated_word":"seems","sentiment":"neutral","sentiment_score":-0.024037107825279236},{"word":"to","start":2332.6802,"end":2332.76,"confidence":0.65185547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08002722263336182},{"word":"have","start":2332.76,"end":2332.9202,"confidence":0.29003906,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08330125361680984},{"word":"yeah","start":2333.08,"end":2333.58,"confidence":0.8041992,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.11826837062835692},{"word":"yeah","start":2335.32,"end":2335.82,"confidence":0.90893555,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3713003396987915},{"word":"yep","start":2341.0,"end":2341.5,"confidence":0.97143555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2007245123386383},{"word":"yes","start":2347.885,"end":2348.385,"confidence":0.984375,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.24327006936073303},{"word":"yes","start":2360.01,"end":2360.51,"confidence":0.9086914,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2603323757648468},{"word":"yes","start":2360.89,"end":2361.39,"confidence":0.7475586,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.33212175965309143},{"word":"yeah","start":2380.795,"end":2381.2751,"confidence":0.74780273,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07096792757511139},{"word":"yes","start":2381.2751,"end":2381.7751,"confidence":0.727417,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04683094471693039},{"word":"yeah","start":2388.02,"end":2388.52,"confidence":0.9267578,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03279820829629898},{"word":"okay","start":2402.715,"end":2403.215,"confidence":0.95751953,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04241156950592995},{"word":"yeah","start":2412.4001,"end":2412.72,"confidence":0.9746094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.010247590020298958},{"word":"no","start":2412.72,"end":2413.04,"confidence":0.84350586,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06618012487888336},{"word":"that's","start":2413.04,"end":2413.36,"confidence":0.99365234,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.052531711757183075},{"word":"everything","start":2413.36,"end":2413.86,"confidence":0.95654297,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":-0.05754099041223526},{"word":"yeah","start":2414.0,"end":2414.5,"confidence":0.9863281,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.040259674191474915},{"word":"yep","start":2427.185,"end":2427.685,"confidence":0.7614746,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09583504498004912},{"word":"yep","start":2427.8252,"end":2428.3252,"confidence":0.87597656,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.072386234998703},{"word":"yes","start":2429.185,"end":2429.5852,"confidence":0.97680664,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.16028529405593872},{"word":"that","start":2429.5852,"end":2429.745,"confidence":0.63427734,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.2549993097782135},{"word":"does","start":2429.745,"end":2430.0652,"confidence":0.92041016,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":0.25916212797164917},{"word":"yep","start":2430.0652,"end":2430.5652,"confidence":0.8757324,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2523869276046753},{"word":"no","start":2440.64,"end":2441.04,"confidence":0.8334961,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.01688017137348652},{"word":"i","start":2441.04,"end":2441.2,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.009746920317411424},{"word":"think","start":2441.2,"end":2441.44,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.007657591253519058},{"word":"that's","start":2441.44,"end":2441.8398,"confidence":0.9641113,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.011148626916110516},{"word":"covered","start":2441.8398,"end":2442.24,"confidence":0.99902344,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":0.04241739958524704},{"word":"everything","start":2442.24,"end":2442.72,"confidence":0.99902344,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":0.06953895837068558},{"word":"thank","start":2442.72,"end":2443.04,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.4011504650115967},{"word":"you","start":2443.04,"end":2443.54,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.3430246114730835},{"word":"yep","start":2462.785,"end":2463.285,"confidence":0.6875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12568411231040957},{"word":"yes","start":2493.315,"end":2493.815,"confidence":0.9289551,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04878045991063118},{"word":"yes","start":2512.945,"end":2513.445,"confidence":0.8444824,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10870000720024107},{"word":"yes","start":2521.825,"end":2522.325,"confidence":0.73046875,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11390995234251022},{"word":"yes","start":2533.24,"end":2533.64,"confidence":0.7475586,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.26821309328079224},{"word":"yes","start":2533.64,"end":2534.14,"confidence":0.84521484,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2034878134727478},{"word":"okay","start":2541.7349,"end":2542.2349,"confidence":0.9890137,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.15271276235580444},{"word":"alright","start":2542.4548,"end":2542.9548,"confidence":0.9909668,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.4399617612361908},{"word":"no","start":2554.17,"end":2554.67,"confidence":0.9692383,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11916208267211914},{"word":"no","start":2554.73,"end":2554.97,"confidence":0.9785156,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.149253249168396},{"word":"i","start":2554.97,"end":2555.21,"confidence":0.34448242,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.045830562710762024},{"word":"have","start":2555.21,"end":2555.71,"confidence":0.4182129,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.019867300987243652},{"word":"everything","start":2555.77,"end":2556.27,"confidence":0.7495117,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":-0.09135030210018158},{"word":"thank","start":2556.49,"end":2556.73,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.4011307060718536},{"word":"you","start":2556.73,"end":2557.23,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.37565621733665466},{"word":"thanks","start":2563.595,"end":2564.095,"confidence":0.861084,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.589317262172699},{"word":"yes","start":2567.9949,"end":2568.4949,"confidence":0.98950195,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.376507967710495},{"word":"yeah","start":2568.715,"end":2569.215,"confidence":0.8947754,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.6008719205856323},{"word":"okay","start":2575.275,"end":2575.775,"confidence":0.9641113,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.17176200449466705},{"word":"alright","start":2575.915,"end":2576.315,"confidence":0.99853516,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.35416603088378906},{"word":"thank","start":2576.315,"end":2576.555,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6732262969017029},{"word":"you","start":2576.555,"end":2576.795,"confidence":0.9951172,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.7283753752708435},{"word":"dana","start":2576.795,"end":2577.295,"confidence":0.96118164,"punctuated_word":"Dana.","sentiment":"positive","sentiment_score":0.6716638803482056},{"word":"okay","start":2581.4648,"end":2581.9648,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.18012025952339172},{"word":"okay","start":2582.1047,"end":2582.585,"confidence":0.7988281,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.15889939665794373},{"word":"bye","start":2582.585,"end":2583.085,"confidence":0.9970703,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.16622568666934967}],"paragraphs":{"transcript":"\nHey, Dana. How are you? Yeah. Really good. I've got Jade on the phone.\n\nShe just called back for her annual review. Yeah. I picked it up, and I was like, oh, yep, Jay. That's Dana. So it was sort of fitting that I picked it up because it was your client.\n\nYep. No. She's really good. She's got a New Zealand accent, I think. So yep.\n\nNo. She's all good. She had time to complete the call. So, yep, she's ready for you when you're ready. Alright.\n\nPerfect. In 321, you have Jade. Yes. Good. Thanks.\n\nHow are you? Yes. Sorry. I had a chuckle. Yes.\n\nOh, no. Nothing in particular. Yeah. Yes. Yes.\n\nYes. I do. Yep. Yep. Okay.\n\nYeah. It's been fun. Yeah. Just been at work. So yeah.\n\nSo we have actually for my husband now, we purchased a second investment property. Oh, sorry. Sorry. Okay. No.\n\nSorry. The Carathe one was the one. I I didn't realize we had challenged because when you said annual, I thought, oh, it was last year before we bought the property. But no. No.\n\nNo. That's that's correct. Yeah. Yeah. Not not at this stage.\n\nWe're we're actually in the process of putting a granny flat on our owner occupied house for my in laws. Yeah. Yeah. Yeah. Not not at the moment.\n\nIt's a yeah. It's it's further down the track. No. It would be, yeah, just furthering my current qualifications. So I'm a psychologist, so it's which would just be furthering that.\n\nYep. No. It's still that's pretty much what it's sitting at. Yep. Okay.\n\nI've I've got it. It's definitely come through. Yes. Okay. No.\n\nIt's definitely it's come through have you tried three times? Because it's come through three times. Yep. Definitely come through. Yes.\n\nSorry. I should have said. So okay. So the one that I well, the the thing that I'm looking at is the signing page, but then there's attachments as well. Mhmm.\n\nYes. Yes. Yes. No. Yep.\n\nYep. Yep. Yep. Yeah. I do.\n\nI I do I do log in from time to time to keep an eye on it. Yes, sir. Actually, funny enough well, obviously, because we were having this annual review chat, I I went on and had a look and noticed that the graph over the last sort of six months and how it kinda dipped around the whole, like, Iran war saga, you know, fuel saga. But that it's actually gone back up again. So that's quite positive.\n\nSo yeah. Yep. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Mhmm. Yes. Yep.\n\nYep. Yep. Mhmm. Yep. Mhmm.\n\nYeah. Yes. Yes. I'm wondering so yeah. Because I'm I'm not, like, super knowledgeable about, you know, that that kind of thing.\n\nI mean, obviously, yes. I can see that, you know, percentage wise, it's it was a loss compared to everything else. And I would be happy to go with, you know, whatever is advised in terms of if there if there is a yeah. Something that is showing, you know, a good growth. Yeah.\n\nBut yeah. Yes. Okay. Mhmm. Yes.\n\nYes. I would like that. Thank you. Yeah. Yeah.\n\nYep. Yes. That sounds great. Thank you. Yes.\n\nThat's fine. Yeah. Yep. Sounds good. Yep.\n\nYes. Yep. Yes. Yeah. Yeah.\n\nI think for me, because of the nature of my work, I could probably continue doing it even in a part time capacity for as long as, you know, my my brain is functional. So in terms of retirement, it would probably be like, I wouldn't take complete retirement at that age. I'll probably continue to work part time, you know, into my sixties. And so yeah. So so I haven't you know?\n\nYeah. I don't see, like, a a full retirement kind of until, yeah, quite a bit along. Obviously, things contained. You you know? We don't know, but I'm sort of anticipating with all going well, my health and everything going well, and me being able to continue working.\n\nYeah. So and, yeah, my husband's also got well, not my husband, not but we, as in our family, we you know, we've got properties, etcetera, because my husband runs his own business. So he's we bought properties as an investment and sent for him because because he doesn't really have much in a super fund per se. Yeah. So yeah.\n\nNo. Yeah. We might, yeah, we might look at that as well. Yeah. So maybe another property down the line, we may look at commercial property.\n\nYeah. So yep. Yes. Yeah. Yeah.\n\nThat's that's correct. Yeah. Mhmm. A variety of things. His main his main job that he's doing at the moment is actually swimming pool renovations.\n\nSo yeah. So, basically, the you try and send clean, send repaint, send, you know, so he needs refiberglass, and he does all of that. Yep. So he does that. That's main sort of focus, but he's also he does free diving and instructing as well.\n\nSo he runs courses and trains people to how to free dive better and safely. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nSo he does that yeah. He does that between so we're we're based in Perth, but he does he works between Perth and then he goes up into the Pilbara to Caratha, and he he works up there as well because it gets very wet in in Perth out of this time. So you can't really do a lot in terms of, you know, renovating swimming pool. But winter in Karratha is, like, the perfect climate to do swimming pool. So, yeah, so that's how he sort of puts his time.\n\nAnd the same thing with the with the free diving courses because the weather here and the water gets pretty cold down in Perth. So he goes up there and continues to teach and train up there. Yep. Yeah. Yeah.\n\nNo. He'll go he'll go for, like, three weeks most of the time, yeah, to get, you know, to get the value of being up there because he drives drives up and down. So yeah. Yeah. Yeah.\n\nYeah. Yeah. No. That's pretty good. Yes.\n\nYeah. Yeah. Okay. Sure. Some of them are.\n\nOkay. Yes. Mhmm. Yeah. So yeah.\n\nYeah. That sounds great. Mhmm. No. I I don't think so.\n\nYeah. I mean, I think I'm I'm pretty confident that, you know, it will just continue to grow. And so even yes. If there are, like, those kinds of debts, overall, you know, if you look at the, you know, the the long I've been having earning super and whatnot, the the growth has has been steady and it's it has been you know, so even when there's been those debts sort of corrected and then, yeah, continued. So I understand that, you know, more kind of macroeconomic things can impact on it, which is obviously not within anyone's control.\n\nBut for the most part, like, if things continue to be relatively stable, then, yeah, I'm I'm not concerned that by the time I retire, I'm pretty sure there'll be plenty. Yeah. Yeah. I think I'm I'm I'm happy to keep things as they are. So probably yeah.\n\nJust given yeah. Some of the the things going on in the world at the moment, I'll probably, yeah, just continue to be a bit more conservative. Yeah. Yes. Yes.\n\nYeah. In the middle. Yeah. Yeah. Yeah.\n\nYes. Yes. Yes. Mhmm. Yes.\n\nYes. Yes. Mhmm. Yep. Yeah.\n\nYeah. Sounds good. Mhmm. Yes. Let me just have a quick look.\n\nI'll just jump on to my home loans. Okay. So sorry. Say that again. The for the Woodvale property?\n\nYeah. No. So that is we are about 400,000 on that one. It's yeah. It's it's not really.\n\nWe just shuffle things around. Yeah. So that's that one's it's gone up. So we've we've put money we've taken money out of our investment properties to put into the house, into our own occupied because we don't make any money on that. So the Heathridge, the entry one is 660.\n\nYep. Yeah. That's I mean, yeah. It's $5.13 now. So, yep, that's pretty accurate.\n\nYeah. So yeah. So mhmm. Yeah. Yeah.\n\nYeah. Yeah. No. We wouldn't wanna cover all the lines. Yeah.\n\nJust the primary. Mhmm. Yes. Yes. Yeah.\n\nYes. Yes. I think that's adequate. Yep. Yes.\n\nYes. Okay. Minimize tax. Yeah. So yeah.\n\nOkay. Yeah. Yeah. Yep. Yes.\n\nYeah. Yes. No. I think that's fine. Yep.\n\nNo. No. That's that's what it is. Yeah. Yeah.\n\nIt's set up there. Yep. Mhmm. Okay. Okay.\n\nWhat would the cost be of increasing the benefit? Okay. Yeah. Yeah. Sure.\n\nYeah. Yeah. If you can do that, that would be great. Thank you. Okay.\n\nYes. Okay. Okay. Yes. Yep.\n\nYeah. That's fine. Yep. No. No.\n\nI don't. Yes. 17, 15, and 13. Yeah. My daughter my youngest just turned 13 on Sunday.\n\nI think I'm happy with what I have now. Thank you. Okay. So Yeah. Yeah.\n\nThat's right. Yeah. Yeah. Yeah. I don't know.\n\nIt's hard to say. Again, I'm just having a look. Because my yeah. I've spent averaging it out. Yes.\n\nBecause my husband runs his own business, obviously, his income's to a. Mhmm. And so it can be dependent on, you know, his his earning. But I would say yeah. I mean, we're probably not saving as much as we would like to.\n\nBut then again, we are also well, when I say we're so we're saving, but we're putting money into the granny flat. So anything that we save within, you know, our our spending on that. So so I'd say, yeah, we'd we'd probably yeah, let let's say 500 a week. It's probably about half of what we were. Yeah.\n\nYeah. I mean, not in a super huge rush because at the moment, my my in laws are actually just staying in our caravan. So we've got a we've got a fully self contained caravan with a kitchen and a toilet and bathroom and all of that kind of thing. So yeah. That because, I mean, they can still come in and you know, they come into the main house, and they can use the the toilet and bathroom and whatnot.\n\nBut yeah. So they're kind of quite self sufficient in in that space. So we're not in a huge rush. So it's it's a case of when we have the money. You know?\n\nSo being able to because, like, certain things will cost. You know? We only, like, a lump sum of of an amount. So once we, you know, get that, then we can pay. You know?\n\nSo but at the moment, it's very much in the beginning phase with so the architects have submitted the plans to the council. So we've probably got about a ten week wait for approval, if they're happy with everything. And, you know, so it's really yeah. We don't ideally, if we could have it done by the end of the year, that would be, yeah, that would be ideal. But, yeah, we're not sort sort of, like, super stressed about it.\n\nBut yeah. Yeah. Yeah. Yeah. Yeah.\n\nThat would be. Mhmm. Oh, gosh. I'm more like this a depreciating asset, so you should probably drop it maybe. I wouldn't obviously, with the financials, our accountant does everything because all of that stuff is kind of linked to my husband's business.\n\nSo they would've she would've appreciated the caravan, I'm sure. Oh gosh. Yeah. I suppose if we could get about 50 for it, that would be great. Yeah.\n\nBut yeah. That's great. Yep. Yeah. It's fine.\n\nMaybe, like, a 25 because I think yeah. Yeah. Yeah. The service depreciation. Yep.\n\nYep. Yep. Yes. Yes. Yep.\n\nNo. We put that all back into, yeah, the the it was meant to be put into an offset, and when they set up the new lines, they didn't quite do it the way we wanted to. So, yeah, unfortunately, that's gone all all in back into the the home. But anyway so we've we've got we've got an offset facility that we then just you know, all the extra money goes into that. And then that's what we if we need to and it's a redraw account.\n\nSo if we need to draw out of it, we can. And that's where we're putting an extra and then we pull out of that for the granny flat. So that's how what we're confusing it. Yep. Yep.\n\nNo. That's pretty pretty consistent. Yeah. Caracas. Yeah.\n\nMhmm. Yes. That's gone up. I'd say that's probably about $9,900 now. Yep.\n\nMhmm. Yeah. That could probably go up to 1 I would say $1.02. So maybe another 100,000. Yep.\n\nYeah. The WA property market's doing well. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yes. Yep. Yes.\n\nSo we've we've now yeah. We actually did that. Yeah. Because that was one of the things that we're like, oh, we need to get our wheels done. So we've done well.\n\nI can't remember, it was a little while ago now, if if the power of attorney was part of that or not. Yeah. But we we've definitely done the will. Yes. So that's seems to have yeah.\n\nYeah. Yep. Yes. Yes. Yes.\n\nYeah. Yes. Yeah. Okay. Yeah.\n\nNo. That's everything. Yeah. Yep. Yep.\n\nYes. That does. Yep. No. I think that's covered everything.\n\nThank you. Yep. Yes. Yes. Yes.\n\nYes. Yes. Okay. Alright. No.\n\nNo. I have everything. Thank you. Thanks. Yes.\n\nYeah. Okay. Alright. Thank you, Dana. Okay.\n\nOkay. Bye.","paragraphs":[{"sentences":[{"text":"Hey, Dana.","start":2.08,"end":2.8,"sentiment":"neutral","sentiment_score":0.12758927047252655},{"text":"How are you?","start":2.8,"end":3.62,"sentiment":"neutral","sentiment_score":0.17589695751667023},{"text":"Yeah.","start":5.3599997,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.30671530961990356},{"text":"Really good.","start":5.7599998,"end":6.3199997,"sentiment":"positive","sentiment_score":0.5584197640419006},{"text":"I've got Jade on the phone.","start":6.3199997,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.27220774441957474}],"sentiment":"neutral","sentiment_score":0.27426219412258696,"num_words":14,"start":2.08,"end":7.9199996},{"sentences":[{"text":"She just called back for her annual review.","start":7.9199996,"end":10.42,"sentiment":"neutral","sentiment_score":0.22675207629799843},{"text":"Yeah.","start":17.135,"end":17.535,"sentiment":"neutral","sentiment_score":0.05957426130771637},{"text":"I picked it up, and I was like, oh, yep, Jay.","start":17.535,"end":19.855,"sentiment":"neutral","sentiment_score":0.08559463748877699},{"text":"That's Dana.","start":19.855,"end":20.575,"sentiment":"neutral","sentiment_score":0.13411935791373253},{"text":"So it was sort of fitting that I picked it up because it was your client.","start":20.575,"end":23.875,"sentiment":"neutral","sentiment_score":0.16656606271862984}],"sentiment":"neutral","sentiment_score":0.15127441061562613,"num_words":38,"start":7.9199996,"end":23.875},{"sentences":[{"text":"Yep.","start":29.199999,"end":29.52,"sentiment":"neutral","sentiment_score":0.11701424419879912},{"text":"No.","start":29.52,"end":29.68,"sentiment":"neutral","sentiment_score":0.07494983077049255},{"text":"She's really good.","start":29.68,"end":30.48,"sentiment":"neutral","sentiment_score":0.19442909955978394},{"text":"She's got a New Zealand accent, I think.","start":30.48,"end":32.32,"sentiment":"neutral","sentiment_score":0.12475185003131628},{"text":"So yep.","start":32.32,"end":32.72,"sentiment":"neutral","sentiment_score":0.06035284698009491}],"sentiment":"neutral","sentiment_score":0.12626479119062423,"num_words":15,"start":29.199999,"end":32.72},{"sentences":[{"text":"No.","start":32.72,"end":32.879997,"sentiment":"neutral","sentiment_score":0.014817212708294392},{"text":"She's all good.","start":32.879997,"end":33.52,"sentiment":"neutral","sentiment_score":0.09774138033390045},{"text":"She had time to complete the call.","start":33.52,"end":35.04,"sentiment":"neutral","sentiment_score":0.20664398797920772},{"text":"So, yep, she's ready for you when you're ready.","start":35.04,"end":37.62,"sentiment":"neutral","sentiment_score":0.21307304998238882},{"text":"Alright.","start":40.895,"end":41.375,"sentiment":"neutral","sentiment_score":0.2253669500350952}],"sentiment":"neutral","sentiment_score":0.18559874616385924,"num_words":21,"start":32.72,"end":41.375},{"sentences":[{"text":"Perfect.","start":41.375,"end":41.855,"sentiment":"neutral","sentiment_score":0.2433479130268097},{"text":"In 321, you have Jade.","start":41.855,"end":44.195,"sentiment":"neutral","sentiment_score":0.09799170047044754},{"text":"Yes.","start":48.254997,"end":48.575,"sentiment":"neutral","sentiment_score":0.11476615071296692},{"text":"Good.","start":48.575,"end":48.735,"sentiment":"neutral","sentiment_score":0.1988838016986847},{"text":"Thanks.","start":48.735,"end":49.055,"sentiment":"neutral","sentiment_score":0.22643986344337463}],"sentiment":"neutral","sentiment_score":0.1414884701371193,"num_words":9,"start":41.375,"end":49.055},{"sentences":[{"text":"How are you?","start":49.055,"end":49.875,"sentiment":"neutral","sentiment_score":0.14506545414527258},{"text":"Yes.","start":53.66,"end":53.899998,"sentiment":"neutral","sentiment_score":0.018309231847524643},{"text":"Sorry.","start":53.899998,"end":54.399998,"sentiment":"neutral","sentiment_score":-0.0025789663195610046},{"text":"I had a chuckle.","start":55.019997,"end":56.0,"sentiment":"neutral","sentiment_score":-0.040768394246697426},{"text":"Yes.","start":63.339996,"end":63.839996,"sentiment":"neutral","sentiment_score":0.03439166396856308}],"sentiment":"neutral","sentiment_score":0.03222447149455547,"num_words":10,"start":49.055,"end":63.839996},{"sentences":[{"text":"Oh, no.","start":75.255,"end":75.655,"sentiment":"neutral","sentiment_score":-0.03254191391170025},{"text":"Nothing in particular.","start":75.655,"end":76.635,"sentiment":"neutral","sentiment_score":-0.061618655920028687},{"text":"Yeah.","start":81.03,"end":81.53,"sentiment":"neutral","sentiment_score":0.047626495361328125},{"text":"Yes.","start":81.67,"end":82.149994,"sentiment":"neutral","sentiment_score":0.05171617865562439},{"text":"Yes.","start":82.149994,"end":82.649994,"sentiment":"neutral","sentiment_score":0.11208398640155792}],"sentiment":"neutral","sentiment_score":-0.004814141895622015,"num_words":8,"start":75.255,"end":82.649994},{"sentences":[{"text":"Yes.","start":89.03,"end":89.42999,"sentiment":"neutral","sentiment_score":0.04358183220028877},{"text":"I do.","start":89.42999,"end":90.17,"sentiment":"neutral","sentiment_score":0.05746733397245407},{"text":"Yep.","start":98.165,"end":98.665,"sentiment":"neutral","sentiment_score":0.2650672197341919},{"text":"Yep.","start":106.0,"end":106.5,"sentiment":"neutral","sentiment_score":0.09604179859161376},{"text":"Okay.","start":113.439995,"end":113.939995,"sentiment":"neutral","sentiment_score":0.19485387206077576}],"sentiment":"neutral","sentiment_score":0.11907989842196305,"num_words":6,"start":89.03,"end":113.939995},{"sentences":[{"text":"Yeah.","start":118.705,"end":118.945,"sentiment":"neutral","sentiment_score":0.2683916687965393},{"text":"It's been fun.","start":118.945,"end":119.825,"sentiment":"positive","sentiment_score":0.3898083070913951},{"text":"Yeah.","start":119.825,"end":120.325,"sentiment":"neutral","sentiment_score":0.15890373289585114},{"text":"Just been at work.","start":120.384995,"end":121.265,"sentiment":"neutral","sentiment_score":0.0734555646777153},{"text":"So yeah.","start":121.265,"end":122.165,"sentiment":"neutral","sentiment_score":0.08566650748252869}],"sentiment":"neutral","sentiment_score":0.18744323605840857,"num_words":11,"start":118.705,"end":122.165},{"sentences":[{"text":"So we have actually for my husband now, we purchased a second investment property.","start":134.13,"end":140.15,"sentiment":"neutral","sentiment_score":0.013280390894838743},{"text":"Oh, sorry.","start":160.965,"end":161.765,"sentiment":"neutral","sentiment_score":-0.02167911222204566},{"text":"Sorry.","start":161.765,"end":162.245,"sentiment":"neutral","sentiment_score":-0.041776470839977264},{"text":"Okay.","start":162.245,"end":162.745,"sentiment":"neutral","sentiment_score":-0.014065086841583252},{"text":"No.","start":163.22,"end":163.37999,"sentiment":"neutral","sentiment_score":-0.05084746330976486}],"sentiment":"neutral","sentiment_score":0.001888327741701352,"num_words":19,"start":134.13,"end":163.37999},{"sentences":[{"text":"Sorry.","start":163.37999,"end":163.86,"sentiment":"neutral","sentiment_score":-0.06893572211265564},{"text":"The Carathe one was the one.","start":163.86,"end":165.22,"sentiment":"neutral","sentiment_score":-0.06467296121021111},{"text":"I I didn't realize we had challenged because when you said annual, I thought, oh, it was last year before we bought the property.","start":165.22,"end":171.78,"sentiment":"neutral","sentiment_score":-0.07068961346521974},{"text":"But no.","start":171.78,"end":172.09999,"sentiment":"neutral","sentiment_score":-0.0618476178497076},{"text":"No.","start":172.09999,"end":172.18,"sentiment":"neutral","sentiment_score":-0.09121359884738922}],"sentiment":"neutral","sentiment_score":-0.06965979550252943,"num_words":34,"start":163.37999,"end":172.18},{"sentences":[{"text":"No.","start":172.18,"end":172.34,"sentiment":"neutral","sentiment_score":-0.10018473863601685},{"text":"That's that's correct.","start":172.34,"end":173.48,"sentiment":"neutral","sentiment_score":-0.0535708541671435},{"text":"Yeah.","start":174.18,"end":174.68,"sentiment":"neutral","sentiment_score":0.05817105248570442},{"text":"Yeah.","start":183.535,"end":183.935,"sentiment":"neutral","sentiment_score":0.001110757701098919},{"text":"Not not at this stage.","start":183.935,"end":185.135,"sentiment":"neutral","sentiment_score":-0.07361737489700318}],"sentiment":"neutral","sentiment_score":-0.05179112413051454,"num_words":11,"start":172.18,"end":185.135},{"sentences":[{"text":"We're we're actually in the process of putting a granny flat on our owner occupied house for my in laws.","start":185.135,"end":192.65,"sentiment":"neutral","sentiment_score":0.0005131819285452367},{"text":"Yeah.","start":198.15,"end":198.65,"sentiment":"neutral","sentiment_score":0.13373246788978577},{"text":"Yeah.","start":206.85501,"end":207.35501,"sentiment":"neutral","sentiment_score":0.09054215252399445},{"text":"Yeah.","start":226.07,"end":226.47,"sentiment":"neutral","sentiment_score":-0.027854884043335915},{"text":"Not not at the moment.","start":226.47,"end":227.67001,"sentiment":"neutral","sentiment_score":-0.1056762158870697}],"sentiment":"neutral","sentiment_score":-0.011489203731928552,"num_words":28,"start":185.135,"end":227.67001},{"sentences":[{"text":"It's a yeah.","start":227.67001,"end":228.39,"sentiment":"neutral","sentiment_score":-0.057334275295337044},{"text":"It's it's further down the track.","start":228.39,"end":230.57,"sentiment":"neutral","sentiment_score":-0.04502109872798125},{"text":"No.","start":241.485,"end":241.725,"sentiment":"neutral","sentiment_score":-0.04571045935153961},{"text":"It would be, yeah, just furthering my current qualifications.","start":241.725,"end":246.18,"sentiment":"neutral","sentiment_score":-0.028891677657763164},{"text":"So I'm a psychologist, so it's which would just be furthering that.","start":246.18,"end":252.09999,"sentiment":"neutral","sentiment_score":0.11555325565859675}],"sentiment":"neutral","sentiment_score":0.020605615850898526,"num_words":31,"start":227.67001,"end":252.09999},{"sentences":[{"text":"Yep.","start":252.09999,"end":252.59999,"sentiment":"neutral","sentiment_score":0.11050496995449066},{"text":"No.","start":263.64502,"end":263.96503,"sentiment":"neutral","sentiment_score":-0.06489266455173492},{"text":"It's still that's pretty much what it's sitting at.","start":263.96503,"end":266.52502,"sentiment":"neutral","sentiment_score":-0.027511755004525185},{"text":"Yep.","start":266.52502,"end":267.02502,"sentiment":"neutral","sentiment_score":0.031136227771639824},{"text":"Okay.","start":282.19998,"end":282.52,"sentiment":"neutral","sentiment_score":-0.03712809830904007}],"sentiment":"neutral","sentiment_score":-0.015998873859643936,"num_words":13,"start":252.09999,"end":282.52},{"sentences":[{"text":"I've I've got it.","start":282.52,"end":283.71997,"sentiment":"neutral","sentiment_score":-0.07635826617479324},{"text":"It's definitely come through.","start":283.71997,"end":285.25998,"sentiment":"neutral","sentiment_score":-0.030215328093618155},{"text":"Yes.","start":286.485,"end":286.985,"sentiment":"neutral","sentiment_score":-0.04375232756137848},{"text":"Okay.","start":290.32498,"end":290.805,"sentiment":"neutral","sentiment_score":-0.1222008764743805},{"text":"No.","start":290.805,"end":291.04498,"sentiment":"neutral","sentiment_score":-0.15673744678497314}],"sentiment":"neutral","sentiment_score":-0.06808954799039797,"num_words":11,"start":282.52,"end":291.04498},{"sentences":[{"text":"It's definitely it's come through have you tried three times?","start":291.04498,"end":293.525,"sentiment":"neutral","sentiment_score":-0.14347817227244378},{"text":"Because it's come through three times.","start":293.525,"end":295.065,"sentiment":"neutral","sentiment_score":-0.14252801487843195},{"text":"Yep.","start":297.925,"end":298.425,"sentiment":"neutral","sentiment_score":-0.04150459170341492},{"text":"Definitely come through.","start":304.89,"end":305.93,"sentiment":"neutral","sentiment_score":0.12193931639194489},{"text":"Yes.","start":305.93,"end":306.17,"sentiment":"neutral","sentiment_score":0.030658230185508728}],"sentiment":"neutral","sentiment_score":-0.09214182020652861,"num_words":21,"start":291.04498,"end":306.17},{"sentences":[{"text":"Sorry.","start":306.17,"end":306.49,"sentiment":"neutral","sentiment_score":-0.020265627652406693},{"text":"I should have said.","start":306.49,"end":307.47,"sentiment":"neutral","sentiment_score":-0.03755240608006716},{"text":"So okay.","start":309.37,"end":312.795,"sentiment":"neutral","sentiment_score":0.11293518170714378},{"text":"So the one that I well, the the thing that I'm looking at is the signing page, but then there's attachments as well.","start":313.11502,"end":319.11502,"sentiment":"neutral","sentiment_score":0.04328907224471155},{"text":"Mhmm.","start":319.11502,"end":319.61502,"sentiment":"neutral","sentiment_score":0.006042041815817356}],"sentiment":"neutral","sentiment_score":0.03409954241567081,"num_words":31,"start":306.17,"end":319.61502},{"sentences":[{"text":"Yes.","start":327.755,"end":328.255,"sentiment":"neutral","sentiment_score":0.06331359595060349},{"text":"Yes.","start":333.0,"end":333.16,"sentiment":"neutral","sentiment_score":0.05903146415948868},{"text":"Yes.","start":333.16,"end":333.66,"sentiment":"neutral","sentiment_score":0.08220800757408142},{"text":"No.","start":335.8,"end":336.3,"sentiment":"neutral","sentiment_score":-0.07727600634098053},{"text":"Yep.","start":342.6,"end":343.1,"sentiment":"neutral","sentiment_score":0.1644531935453415}],"sentiment":"neutral","sentiment_score":0.05834605097770691,"num_words":5,"start":327.755,"end":343.1},{"sentences":[{"text":"Yep.","start":352.08502,"end":352.58502,"sentiment":"positive","sentiment_score":0.5776264071464539},{"text":"Yep.","start":354.325,"end":354.825,"sentiment":"neutral","sentiment_score":0.12745517492294312},{"text":"Yep.","start":355.045,"end":355.545,"sentiment":"neutral","sentiment_score":0.03974345326423645},{"text":"Yeah.","start":358.0,"end":358.4,"sentiment":"neutral","sentiment_score":-0.0032716179266572},{"text":"I do.","start":358.4,"end":359.13998,"sentiment":"neutral","sentiment_score":0.002611695323139429}],"sentiment":"neutral","sentiment_score":0.12446280134220918,"num_words":6,"start":352.08502,"end":359.13998},{"sentences":[{"text":"I I do I do log in from time to time to keep an eye on it.","start":359.19998,"end":363.19998,"sentiment":"neutral","sentiment_score":0.04462822756784804},{"text":"Yes, sir.","start":363.19998,"end":363.68,"sentiment":"neutral","sentiment_score":0.07227137498557568},{"text":"Actually, funny enough well, obviously, because we were having this annual review chat, I I went on and had a look and noticed that the graph over the last sort of six months and how it kinda dipped around the whole, like, Iran war saga, you know, fuel saga.","start":363.68,"end":386.07,"sentiment":"neutral","sentiment_score":-0.010313748477064833},{"text":"But that it's actually gone back up again.","start":387.01,"end":388.93,"sentiment":"neutral","sentiment_score":0.14279486937448382},{"text":"So that's quite positive.","start":388.93,"end":390.95,"sentiment":"positive","sentiment_score":0.5171644240617752}],"sentiment":"neutral","sentiment_score":0.045110819931142035,"num_words":80,"start":359.19998,"end":390.95},{"sentences":[{"text":"So yeah.","start":391.25,"end":391.99002,"sentiment":"positive","sentiment_score":0.37854787707328796},{"text":"Yep.","start":407.60498,"end":408.10498,"sentiment":"neutral","sentiment_score":-0.03722238540649414},{"text":"Yeah.","start":414.21002,"end":414.71002,"sentiment":"negative","sentiment_score":-0.3779788613319397},{"text":"Yeah.","start":432.965,"end":433.465,"sentiment":"neutral","sentiment_score":-0.03401903808116913},{"text":"Yeah.","start":443.86002,"end":443.94,"sentiment":"neutral","sentiment_score":-0.02895512618124485}],"sentiment":"neutral","sentiment_score":0.04648672385762135,"num_words":6,"start":391.25,"end":443.94},{"sentences":[{"text":"Yeah.","start":443.94,"end":444.44,"sentiment":"neutral","sentiment_score":-0.03219415992498398},{"text":"Yeah.","start":456.005,"end":456.505,"sentiment":"neutral","sentiment_score":0.1823735535144806},{"text":"Mhmm.","start":461.925,"end":462.425,"sentiment":"neutral","sentiment_score":0.08398044109344482},{"text":"Yes.","start":469.5,"end":470.0,"sentiment":"neutral","sentiment_score":0.10223962366580965},{"text":"Yep.","start":484.55502,"end":485.05502,"sentiment":"positive","sentiment_score":0.49106892943382263}],"sentiment":"neutral","sentiment_score":0.16549367755651473,"num_words":5,"start":443.94,"end":485.05502},{"sentences":[{"text":"Yep.","start":493.72998,"end":494.22998,"sentiment":"neutral","sentiment_score":0.18305853009223935},{"text":"Yep.","start":497.33,"end":497.83,"sentiment":"neutral","sentiment_score":0.09833210706710815},{"text":"Mhmm.","start":503.72998,"end":504.22998,"sentiment":"neutral","sentiment_score":0.012216158211231232},{"text":"Yep.","start":515.345,"end":515.845,"sentiment":"neutral","sentiment_score":0.022661572322249413},{"text":"Mhmm.","start":526.99,"end":527.49,"sentiment":"neutral","sentiment_score":0.011978195048868656}],"sentiment":"neutral","sentiment_score":0.06564931254833936,"num_words":5,"start":493.72998,"end":527.49},{"sentences":[{"text":"Yeah.","start":537.295,"end":537.795,"sentiment":"neutral","sentiment_score":-0.026499055325984955},{"text":"Yes.","start":558.22003,"end":558.72003,"sentiment":"neutral","sentiment_score":-0.10671113431453703},{"text":"Yes.","start":565.955,"end":566.455,"sentiment":"neutral","sentiment_score":0.09110518544912338},{"text":"I'm wondering so yeah.","start":588.90497,"end":594.105,"sentiment":"neutral","sentiment_score":-0.04114711098372936},{"text":"Because I'm I'm not, like, super knowledgeable about, you know, that that kind of thing.","start":594.105,"end":601.545,"sentiment":"neutral","sentiment_score":-0.1857435663541158}],"sentiment":"neutral","sentiment_score":-0.13603849742900243,"num_words":22,"start":537.295,"end":601.545},{"sentences":[{"text":"I mean, obviously, yes.","start":601.545,"end":602.58496,"sentiment":"neutral","sentiment_score":-0.05948276980780065},{"text":"I can see that, you know, percentage wise, it's it was a loss compared to everything else.","start":602.58496,"end":610.29,"sentiment":"neutral","sentiment_score":-0.11135016316000153},{"text":"And I would be happy to go with, you know, whatever is advised in terms of if there if there is a yeah.","start":612.03,"end":619.01,"sentiment":"neutral","sentiment_score":0.17680551597605582},{"text":"Something that is showing, you know, a good growth.","start":619.995,"end":623.85504,"sentiment":"neutral","sentiment_score":0.27145807610617745},{"text":"Yeah.","start":624.875,"end":625.375,"sentiment":"neutral","sentiment_score":0.17470115423202515}],"sentiment":"neutral","sentiment_score":0.08432346025343847,"num_words":54,"start":601.545,"end":625.375},{"sentences":[{"text":"But yeah.","start":625.755,"end":626.815,"sentiment":"neutral","sentiment_score":0.12614213675260544},{"text":"Yes.","start":642.57,"end":643.07,"sentiment":"neutral","sentiment_score":0.3244563937187195},{"text":"Okay.","start":657.67505,"end":658.17505,"sentiment":"neutral","sentiment_score":-0.037734780460596085},{"text":"Mhmm.","start":664.99005,"end":665.49005,"sentiment":"neutral","sentiment_score":0.05010048672556877},{"text":"Yes.","start":669.47003,"end":669.97003,"sentiment":"neutral","sentiment_score":0.15865351259708405}],"sentiment":"neutral","sentiment_score":0.12462664768099785,"num_words":6,"start":625.755,"end":669.97003},{"sentences":[{"text":"Yes.","start":680.27496,"end":680.675,"sentiment":"neutral","sentiment_score":0.2845369577407837},{"text":"I would like that.","start":680.675,"end":681.475,"sentiment":"positive","sentiment_score":0.4697859361767769},{"text":"Thank you.","start":681.475,"end":682.21497,"sentiment":"positive","sentiment_score":0.6151895821094513},{"text":"Yeah.","start":693.66003,"end":694.16003,"sentiment":"neutral","sentiment_score":0.3060687184333801},{"text":"Yeah.","start":700.62,"end":701.12,"sentiment":"neutral","sentiment_score":0.1947251558303833}],"sentiment":"positive","sentiment_score":0.4327615267700619,"num_words":9,"start":680.27496,"end":701.12},{"sentences":[{"text":"Yep.","start":707.395,"end":707.895,"sentiment":"neutral","sentiment_score":0.14188534021377563},{"text":"Yes.","start":710.67505,"end":711.075,"sentiment":"neutral","sentiment_score":0.26893150806427},{"text":"That sounds great.","start":711.075,"end":711.79504,"sentiment":"positive","sentiment_score":0.5471429427464803},{"text":"Thank you.","start":711.79504,"end":712.53503,"sentiment":"positive","sentiment_score":0.5742472410202026},{"text":"Yes.","start":725.18,"end":725.68,"sentiment":"neutral","sentiment_score":-0.03403879702091217}],"sentiment":"positive","sentiment_score":0.39583767019212246,"num_words":8,"start":707.395,"end":725.68},{"sentences":[{"text":"That's fine.","start":725.98,"end":726.72,"sentiment":"neutral","sentiment_score":-0.03970764018595219},{"text":"Yeah.","start":731.055,"end":731.555,"sentiment":"neutral","sentiment_score":-0.14169569313526154},{"text":"Yep.","start":733.935,"end":734.435,"sentiment":"neutral","sentiment_score":0.18841469287872312},{"text":"Sounds good.","start":734.57495,"end":735.21497,"sentiment":"positive","sentiment_score":0.36506281793117523},{"text":"Yep.","start":735.21497,"end":735.71497,"sentiment":"neutral","sentiment_score":0.19884821772575376}],"sentiment":"neutral","sentiment_score":0.12803965327995165,"num_words":7,"start":725.98,"end":735.71497},{"sentences":[{"text":"Yes.","start":761.525,"end":762.025,"sentiment":"neutral","sentiment_score":0.2431604564189911},{"text":"Yep.","start":767.685,"end":768.185,"sentiment":"neutral","sentiment_score":0.2230265736579895},{"text":"Yes.","start":777.2,"end":777.7,"sentiment":"neutral","sentiment_score":0.2940882742404938},{"text":"Yeah.","start":799.49005,"end":799.99005,"sentiment":"neutral","sentiment_score":0.10774873942136765},{"text":"Yeah.","start":802.21,"end":802.53,"sentiment":"neutral","sentiment_score":0.11266909539699554}],"sentiment":"neutral","sentiment_score":0.1961386278271675,"num_words":5,"start":761.525,"end":802.53},{"sentences":[{"text":"I think for me, because of the nature of my work, I could probably continue doing it even in a part time capacity for as long as, you know, my my brain is functional.","start":802.53,"end":815.735,"sentiment":"neutral","sentiment_score":0.1262947038254317},{"text":"So in terms of retirement, it would probably be like, I wouldn't take complete retirement at that age.","start":817.395,"end":826.99,"sentiment":"neutral","sentiment_score":-0.06110571862922774},{"text":"I'll probably continue to work part time, you know, into my sixties.","start":828.08997,"end":831.87,"sentiment":"neutral","sentiment_score":0.126594307521979},{"text":"And so yeah.","start":833.415,"end":834.955,"sentiment":"neutral","sentiment_score":0.03296775619188944},{"text":"So so I haven't you know?","start":835.095,"end":837.335,"sentiment":"neutral","sentiment_score":-0.00364160646374027}],"sentiment":"neutral","sentiment_score":0.06562057965473361,"num_words":73,"start":802.53,"end":837.335},{"sentences":[{"text":"Yeah.","start":837.335,"end":837.65497,"sentiment":"neutral","sentiment_score":-0.10814276337623596},{"text":"I don't see, like, a a full retirement kind of until, yeah, quite a bit along.","start":837.65497,"end":843.915,"sentiment":"neutral","sentiment_score":-0.14625041978433728},{"text":"Obviously, things contained.","start":845.015,"end":846.235,"sentiment":"neutral","sentiment_score":0.14211095838497081},{"text":"You you know?","start":846.935,"end":847.575,"sentiment":"neutral","sentiment_score":0.059589236974716187},{"text":"We don't know, but I'm sort of anticipating with all going well, my health and everything going well, and me being able to continue working.","start":847.575,"end":855.22003,"sentiment":"neutral","sentiment_score":0.2592376757413149}],"sentiment":"neutral","sentiment_score":0.09662277082679793,"num_words":48,"start":837.335,"end":855.22003},{"sentences":[{"text":"Yeah.","start":856.32,"end":856.82,"sentiment":"neutral","sentiment_score":0.11784547567367554},{"text":"So and, yeah, my husband's also got well, not my husband, not but we, as in our family, we you know, we've got properties, etcetera, because my husband runs his own business.","start":857.36,"end":868.375,"sentiment":"neutral","sentiment_score":0.09282254474237561},{"text":"So he's we bought properties as an investment and sent for him because because he doesn't really have much in a super fund per se.","start":868.375,"end":877.99005,"sentiment":"neutral","sentiment_score":0.05847938096150756},{"text":"Yeah.","start":878.45,"end":878.95,"sentiment":"neutral","sentiment_score":0.10111983120441435},{"text":"So yeah.","start":879.41003,"end":880.39,"sentiment":"neutral","sentiment_score":0.14799125492572784}],"sentiment":"neutral","sentiment_score":0.08110252086103695,"num_words":61,"start":856.32,"end":880.39},{"sentences":[{"text":"No.","start":887.115,"end":887.615,"sentiment":"neutral","sentiment_score":-0.04168993607163429},{"text":"Yeah.","start":890.235,"end":890.735,"sentiment":"neutral","sentiment_score":0.02747846022248268},{"text":"We might, yeah, we might look at that as well.","start":897.915,"end":900.38,"sentiment":"neutral","sentiment_score":0.031516438163816926},{"text":"Yeah.","start":900.38,"end":900.78,"sentiment":"neutral","sentiment_score":0.02837980166077614},{"text":"So maybe another property down the line, we may look at commercial property.","start":900.78,"end":905.52,"sentiment":"neutral","sentiment_score":0.025605564220593527}],"sentiment":"neutral","sentiment_score":0.025469424704519603,"num_words":26,"start":887.115,"end":905.52},{"sentences":[{"text":"Yeah.","start":907.18,"end":907.68,"sentiment":"neutral","sentiment_score":0.04571458697319031},{"text":"So yep.","start":908.3,"end":909.36005,"sentiment":"neutral","sentiment_score":0.05280638113617897},{"text":"Yes.","start":922.985,"end":923.485,"sentiment":"neutral","sentiment_score":0.1728472262620926},{"text":"Yeah.","start":931.14,"end":931.64,"sentiment":"neutral","sentiment_score":0.11872952431440352},{"text":"Yeah.","start":941.15497,"end":941.395,"sentiment":"neutral","sentiment_score":0.08884642273187637}],"sentiment":"neutral","sentiment_score":0.08862508709232013,"num_words":6,"start":907.18,"end":941.395},{"sentences":[{"text":"That's that's correct.","start":941.395,"end":942.355,"sentiment":"neutral","sentiment_score":0.1142160991827647},{"text":"Yeah.","start":942.355,"end":942.855,"sentiment":"neutral","sentiment_score":0.22702011466026303},{"text":"Mhmm.","start":950.755,"end":951.255,"sentiment":"neutral","sentiment_score":-0.000033161602914333344},{"text":"A variety of things.","start":955.23,"end":956.45,"sentiment":"neutral","sentiment_score":0.014328073244541883},{"text":"His main his main job that he's doing at the moment is actually swimming pool renovations.","start":957.31,"end":963.25,"sentiment":"neutral","sentiment_score":0.030063235899433494}],"sentiment":"neutral","sentiment_score":0.04431837271898985,"num_words":25,"start":941.395,"end":963.25},{"sentences":[{"text":"So yeah.","start":964.11,"end":965.73,"sentiment":"neutral","sentiment_score":0.09144404530525208},{"text":"So, basically, the you try and send clean, send repaint, send, you know, so he needs refiberglass, and he does all of that.","start":965.79,"end":975.895,"sentiment":"neutral","sentiment_score":0.060058678135923714},{"text":"Yep.","start":976.515,"end":976.99506,"sentiment":"neutral","sentiment_score":0.06103193759918213},{"text":"So he does that.","start":976.99506,"end":978.05505,"sentiment":"neutral","sentiment_score":0.06894953548908234},{"text":"That's main sort of focus, but he's also he does free diving and instructing as well.","start":979.075,"end":984.68,"sentiment":"neutral","sentiment_score":0.10845224605873227}],"sentiment":"neutral","sentiment_score":0.07905008052678211,"num_words":46,"start":964.11,"end":984.68},{"sentences":[{"text":"So he runs courses and trains people to how to free dive better and safely.","start":984.68,"end":990.94,"sentiment":"neutral","sentiment_score":0.20827988386154175},{"text":"Yeah.","start":993.52496,"end":994.02496,"sentiment":"neutral","sentiment_score":0.1702592521905899},{"text":"Yeah.","start":994.325,"end":994.825,"sentiment":"neutral","sentiment_score":0.15834584832191467},{"text":"Yeah.","start":995.04504,"end":995.54504,"sentiment":"neutral","sentiment_score":0.21528097987174988},{"text":"Yeah.","start":995.765,"end":996.265,"sentiment":"neutral","sentiment_score":0.16961398720741272}],"sentiment":"neutral","sentiment_score":0.20198412239551544,"num_words":19,"start":984.68,"end":996.265},{"sentences":[{"text":"Yeah.","start":1004.885,"end":1005.125,"sentiment":"neutral","sentiment_score":0.05772421509027481},{"text":"Yeah.","start":1005.125,"end":1005.205,"sentiment":"neutral","sentiment_score":0.03319498151540756},{"text":"Yeah.","start":1005.205,"end":1005.455,"sentiment":"neutral","sentiment_score":0.2577524781227112},{"text":"Yeah.","start":1005.455,"end":1005.955,"sentiment":"neutral","sentiment_score":0.19336430728435516},{"text":"Yeah.","start":1006.7,"end":1006.86,"sentiment":"neutral","sentiment_score":0.23618464171886444}],"sentiment":"neutral","sentiment_score":0.15564412474632264,"num_words":5,"start":1004.885,"end":1006.86},{"sentences":[{"text":"So he does that yeah.","start":1006.86,"end":1008.94,"sentiment":"neutral","sentiment_score":0.16839313358068467},{"text":"He does that between so we're we're based in Perth, but he does he works between Perth and then he goes up into the Pilbara to Caratha, and he he works up there as well because it gets very wet in in Perth out of this time.","start":1008.94,"end":1024.625,"sentiment":"neutral","sentiment_score":0.03366020809304207},{"text":"So you can't really do a lot in terms of, you know, renovating swimming pool.","start":1024.625,"end":1029.125,"sentiment":"neutral","sentiment_score":-0.02335673545797666},{"text":"But winter in Karratha is, like, the perfect climate to do swimming pool.","start":1029.185,"end":1034.0651,"sentiment":"neutral","sentiment_score":0.11404920942508258},{"text":"So, yeah, so that's how he sort of puts his time.","start":1034.0651,"end":1037.74,"sentiment":"neutral","sentiment_score":0.06014779125424949}],"sentiment":"neutral","sentiment_score":0.04635065761241284,"num_words":91,"start":1006.86,"end":1037.74},{"sentences":[{"text":"And the same thing with the with the free diving courses because the weather here and the water gets pretty cold down in Perth.","start":1037.96,"end":1043.96,"sentiment":"neutral","sentiment_score":0.04019104572944343},{"text":"So he goes up there and continues to teach and train up there.","start":1043.96,"end":1048.12,"sentiment":"neutral","sentiment_score":0.05047896389777844},{"text":"Yep.","start":1048.12,"end":1048.62,"sentiment":"neutral","sentiment_score":0.052011653780937195},{"text":"Yeah.","start":1055.445,"end":1055.9249,"sentiment":"neutral","sentiment_score":0.0015793545171618462},{"text":"Yeah.","start":1055.9249,"end":1056.245,"sentiment":"neutral","sentiment_score":-0.0008851406164467335}],"sentiment":"neutral","sentiment_score":0.04183793739648536,"num_words":40,"start":1037.96,"end":1056.245},{"sentences":[{"text":"No.","start":1056.245,"end":1056.565,"sentiment":"neutral","sentiment_score":-0.01786964014172554},{"text":"He'll go he'll go for, like, three weeks most of the time, yeah, to get, you know, to get the value of being up there because he drives drives up and down.","start":1056.565,"end":1066.27,"sentiment":"neutral","sentiment_score":0.01950678785215132},{"text":"So yeah.","start":1066.27,"end":1066.93,"sentiment":"neutral","sentiment_score":0.027556415647268295},{"text":"Yeah.","start":1067.7101,"end":1068.2101,"sentiment":"neutral","sentiment_score":0.06371424347162247},{"text":"Yeah.","start":1075.31,"end":1075.81,"sentiment":"neutral","sentiment_score":0.2043351978063583}],"sentiment":"neutral","sentiment_score":0.02512188766755768,"num_words":37,"start":1056.245,"end":1075.81},{"sentences":[{"text":"Yeah.","start":1076.35,"end":1076.85,"sentiment":"neutral","sentiment_score":0.09347645193338394},{"text":"Yeah.","start":1077.47,"end":1077.87,"sentiment":"neutral","sentiment_score":0.07139887660741806},{"text":"No.","start":1077.87,"end":1078.11,"sentiment":"neutral","sentiment_score":0.0007298029959201813},{"text":"That's pretty good.","start":1078.11,"end":1079.17,"sentiment":"neutral","sentiment_score":0.22724912563959757},{"text":"Yes.","start":1088.945,"end":1089.445,"sentiment":"neutral","sentiment_score":0.015232282690703869}],"sentiment":"neutral","sentiment_score":0.12322639873517412,"num_words":7,"start":1076.35,"end":1089.445},{"sentences":[{"text":"Yeah.","start":1091.345,"end":1091.845,"sentiment":"neutral","sentiment_score":0.013389366678893566},{"text":"Yeah.","start":1098.7699,"end":1099.2699,"sentiment":"neutral","sentiment_score":0.0031040143221616745},{"text":"Okay.","start":1108.2899,"end":1108.665,"sentiment":"neutral","sentiment_score":0.04592151194810867},{"text":"Sure.","start":1109.2251,"end":1109.7251,"sentiment":"neutral","sentiment_score":0.1375550925731659},{"text":"Some of them are.","start":1116.985,"end":1117.9651,"sentiment":"neutral","sentiment_score":-0.09683315455913544}],"sentiment":"neutral","sentiment_score":-0.023420329089276493,"num_words":8,"start":1091.345,"end":1117.9651},{"sentences":[{"text":"Okay.","start":1121.305,"end":1121.805,"sentiment":"neutral","sentiment_score":0.17727622389793396},{"text":"Yes.","start":1123.0,"end":1123.5,"sentiment":"neutral","sentiment_score":0.2159646302461624},{"text":"Mhmm.","start":1130.52,"end":1131.02,"sentiment":"neutral","sentiment_score":0.017232149839401245},{"text":"Yeah.","start":1140.4149,"end":1140.9149,"sentiment":"neutral","sentiment_score":0.07458308339118958},{"text":"So yeah.","start":1142.335,"end":1154.16,"sentiment":"neutral","sentiment_score":0.13022230565547943}],"sentiment":"neutral","sentiment_score":0.12425011644760768,"num_words":6,"start":1121.305,"end":1154.16},{"sentences":[{"text":"Yeah.","start":1154.3201,"end":1154.64,"sentiment":"neutral","sentiment_score":0.263158917427063},{"text":"That sounds great.","start":1154.64,"end":1155.7001,"sentiment":"positive","sentiment_score":0.6816367904345194},{"text":"Mhmm.","start":1173.075,"end":1173.575,"sentiment":"neutral","sentiment_score":-0.011586369946599008},{"text":"No.","start":1179.715,"end":1179.955,"sentiment":"neutral","sentiment_score":-0.16659292578697205},{"text":"I I don't think so.","start":1179.955,"end":1181.255,"sentiment":"neutral","sentiment_score":-0.17326771914958955}],"sentiment":"neutral","sentiment_score":0.11486830884082751,"num_words":11,"start":1154.3201,"end":1181.255},{"sentences":[{"text":"Yeah.","start":1202.175,"end":1202.675,"sentiment":"neutral","sentiment_score":0.20348741114139557},{"text":"I mean, I think I'm I'm pretty confident that, you know, it will just continue to grow.","start":1202.735,"end":1207.475,"sentiment":"positive","sentiment_score":0.39688947358552146},{"text":"And so even yes.","start":1208.255,"end":1209.535,"sentiment":"neutral","sentiment_score":0.061104067717678845},{"text":"If there are, like, those kinds of debts, overall, you know, if you look at the, you know, the the long I've been having earning super and whatnot, the the growth has has been steady and it's it has been you know, so even when there's been those debts sort of corrected and then, yeah, continued.","start":1209.535,"end":1230.115,"sentiment":"neutral","sentiment_score":0.054955559907414554},{"text":"So I understand that, you know, more kind of macroeconomic things can impact on it, which is obviously not within anyone's control.","start":1230.335,"end":1240.355,"sentiment":"neutral","sentiment_score":-0.03943865407596935}],"sentiment":"neutral","sentiment_score":0.09404885698109865,"num_words":100,"start":1202.175,"end":1240.355},{"sentences":[{"text":"But for the most part, like, if things continue to be relatively stable, then, yeah, I'm I'm not concerned that by the time I retire, I'm pretty sure there'll be plenty.","start":1240.655,"end":1251.64,"sentiment":"neutral","sentiment_score":0.13490987725315556},{"text":"Yeah.","start":1252.66,"end":1253.16,"sentiment":"positive","sentiment_score":0.3410642743110657},{"text":"Yeah.","start":1269.125,"end":1269.625,"sentiment":"neutral","sentiment_score":0.21264083683490753},{"text":"I think I'm I'm I'm happy to keep things as they are.","start":1270.0399,"end":1273.24,"sentiment":"positive","sentiment_score":0.4794538964827855},{"text":"So probably yeah.","start":1273.24,"end":1274.7,"sentiment":"neutral","sentiment_score":0.08689129104216893}],"sentiment":"neutral","sentiment_score":0.22395899868570268,"num_words":48,"start":1240.655,"end":1274.7},{"sentences":[{"text":"Just given yeah.","start":1274.76,"end":1275.98,"sentiment":"neutral","sentiment_score":0.028145266075929005},{"text":"Some of the the things going on in the world at the moment, I'll probably, yeah, just continue to be a bit more conservative.","start":1276.44,"end":1282.7,"sentiment":"neutral","sentiment_score":0.005752261495217681},{"text":"Yeah.","start":1283.1599,"end":1283.6599,"sentiment":"neutral","sentiment_score":0.036866024136543274},{"text":"Yes.","start":1297.365,"end":1297.865,"sentiment":"neutral","sentiment_score":-0.005399264395236969},{"text":"Yes.","start":1300.75,"end":1301.25,"sentiment":"neutral","sentiment_score":-0.00039703771471977234}],"sentiment":"neutral","sentiment_score":0.008451993204653263,"num_words":30,"start":1274.76,"end":1301.25},{"sentences":[{"text":"Yeah.","start":1303.7899,"end":1304.2899,"sentiment":"neutral","sentiment_score":-0.0040543340146541595},{"text":"In the middle.","start":1304.59,"end":1305.3099,"sentiment":"neutral","sentiment_score":0.0031467340886592865},{"text":"Yeah.","start":1305.3099,"end":1305.7899,"sentiment":"neutral","sentiment_score":0.009226175956428053},{"text":"Yeah.","start":1305.7899,"end":1306.2899,"sentiment":"neutral","sentiment_score":0.01068478636443615},{"text":"Yeah.","start":1306.99,"end":1307.49,"sentiment":"neutral","sentiment_score":0.04760035127401352}],"sentiment":"neutral","sentiment_score":0.010413883120885916,"num_words":7,"start":1303.7899,"end":1307.49},{"sentences":[{"text":"Yes.","start":1317.395,"end":1317.895,"sentiment":"neutral","sentiment_score":0.010731571353971958},{"text":"Yes.","start":1322.035,"end":1322.535,"sentiment":"neutral","sentiment_score":0.1349371075630188},{"text":"Yes.","start":1329.61,"end":1330.11,"sentiment":"neutral","sentiment_score":0.18369469046592712},{"text":"Mhmm.","start":1337.21,"end":1337.71,"sentiment":"neutral","sentiment_score":0.30444788932800293},{"text":"Yes.","start":1343.975,"end":1344.475,"sentiment":"neutral","sentiment_score":0.21774470806121823}],"sentiment":"neutral","sentiment_score":0.17031119335442782,"num_words":5,"start":1317.395,"end":1344.475},{"sentences":[{"text":"Yes.","start":1354.27,"end":1354.77,"sentiment":"positive","sentiment_score":0.6343162059783936},{"text":"Yes.","start":1357.55,"end":1358.05,"sentiment":"positive","sentiment_score":0.34316378831863403},{"text":"Mhmm.","start":1380.805,"end":1380.885,"sentiment":"neutral","sentiment_score":0.09433133900165558},{"text":"Yep.","start":1380.885,"end":1381.385,"sentiment":"neutral","sentiment_score":0.12231487035751344},{"text":"Yeah.","start":1389.9199,"end":1390.4199,"sentiment":"neutral","sentiment_score":0.1492180973291397}],"sentiment":"neutral","sentiment_score":0.26866886019706726,"num_words":5,"start":1354.27,"end":1390.4199},{"sentences":[{"text":"Yeah.","start":1390.48,"end":1390.8799,"sentiment":"neutral","sentiment_score":0.24234509468078613},{"text":"Sounds good.","start":1390.8799,"end":1391.7799,"sentiment":"positive","sentiment_score":0.5172094404697418},{"text":"Mhmm.","start":1409.845,"end":1410.345,"sentiment":"neutral","sentiment_score":0.014170369133353232},{"text":"Yes.","start":1423.3401,"end":1423.785,"sentiment":"neutral","sentiment_score":0.04329333081841469},{"text":"Let me just have a quick look.","start":1440.41,"end":1442.67,"sentiment":"neutral","sentiment_score":0.011791975370475225}],"sentiment":"neutral","sentiment_score":0.11806429193044703,"num_words":12,"start":1390.48,"end":1442.67},{"sentences":[{"text":"I'll just jump on to my home loans.","start":1444.41,"end":1447.87,"sentiment":"neutral","sentiment_score":0.05874190106987953},{"text":"Okay.","start":1449.29,"end":1449.77,"sentiment":"neutral","sentiment_score":0.019654937088489532},{"text":"So sorry.","start":1449.77,"end":1450.49,"sentiment":"neutral","sentiment_score":-0.021952591836452484},{"text":"Say that again.","start":1450.49,"end":1451.39,"sentiment":"neutral","sentiment_score":-0.026938159639636677},{"text":"The for the Woodvale property?","start":1451.53,"end":1459.275,"sentiment":"neutral","sentiment_score":-0.00618968578055501}],"sentiment":"neutral","sentiment_score":0.01757484495541767,"num_words":19,"start":1444.41,"end":1459.275},{"sentences":[{"text":"Yeah.","start":1462.375,"end":1462.875,"sentiment":"neutral","sentiment_score":-0.007802669424563646},{"text":"No.","start":1463.495,"end":1463.815,"sentiment":"neutral","sentiment_score":-0.06662161648273468},{"text":"So that is we are about 400,000 on that one.","start":1463.815,"end":1468.55,"sentiment":"neutral","sentiment_score":-0.03272960921749472},{"text":"It's yeah.","start":1471.7301,"end":1472.37,"sentiment":"neutral","sentiment_score":0.1904168426990509},{"text":"It's it's not really.","start":1472.37,"end":1473.5701,"sentiment":"neutral","sentiment_score":-0.10354484803974628}],"sentiment":"neutral","sentiment_score":-0.024170338046840496,"num_words":18,"start":1462.375,"end":1473.5701},{"sentences":[{"text":"We just shuffle things around.","start":1473.5701,"end":1475.03,"sentiment":"neutral","sentiment_score":-0.09406945556402206},{"text":"Yeah.","start":1485.645,"end":1485.9651,"sentiment":"neutral","sentiment_score":0.014998916536569595},{"text":"So that's that one's it's gone up.","start":1485.9651,"end":1488.2051,"sentiment":"neutral","sentiment_score":-0.00220110932631152},{"text":"So we've we've put money we've taken money out of our investment properties to put into the house, into our own occupied because we don't make any money on that.","start":1488.2051,"end":1496.28,"sentiment":"neutral","sentiment_score":0.006039248717327913},{"text":"So the Heathridge, the entry one is 660.","start":1496.58,"end":1500.6799,"sentiment":"neutral","sentiment_score":0.06999608036130667}],"sentiment":"neutral","sentiment_score":0.005301764271422929,"num_words":51,"start":1473.5701,"end":1500.6799},{"sentences":[{"text":"Yep.","start":1503.38,"end":1503.88,"sentiment":"neutral","sentiment_score":0.10899853706359865},{"text":"Yeah.","start":1508.905,"end":1509.225,"sentiment":"neutral","sentiment_score":0.06971478462219238},{"text":"That's I mean, yeah.","start":1509.225,"end":1510.265,"sentiment":"neutral","sentiment_score":0.08488576672971249},{"text":"It's $5.13 now.","start":1510.265,"end":1511.785,"sentiment":"neutral","sentiment_score":0.08430995047092438},{"text":"So, yep, that's pretty accurate.","start":1511.785,"end":1513.625,"sentiment":"neutral","sentiment_score":0.18449686467647552}],"sentiment":"neutral","sentiment_score":0.12097646881427083,"num_words":14,"start":1503.38,"end":1513.625},{"sentences":[{"text":"Yeah.","start":1513.625,"end":1514.125,"sentiment":"neutral","sentiment_score":0.06983253359794617},{"text":"So yeah.","start":1514.345,"end":1514.625,"sentiment":"neutral","sentiment_score":0.06160900369286537},{"text":"So mhmm.","start":1514.625,"end":1519.485,"sentiment":"neutral","sentiment_score":0.04636416584253311},{"text":"Yeah.","start":1523.465,"end":1523.965,"sentiment":"neutral","sentiment_score":-0.01526581309735775},{"text":"Yeah.","start":1534.6799,"end":1534.76,"sentiment":"neutral","sentiment_score":0.0022075623273849487}],"sentiment":"neutral","sentiment_score":0.03896008884268148,"num_words":7,"start":1513.625,"end":1534.76},{"sentences":[{"text":"Yeah.","start":1534.76,"end":1535.26,"sentiment":"neutral","sentiment_score":0.000211251899600029},{"text":"Yeah.","start":1537.7999,"end":1537.96,"sentiment":"neutral","sentiment_score":-0.07009845972061157},{"text":"No.","start":1537.96,"end":1538.2,"sentiment":"neutral","sentiment_score":-0.20536935329437256},{"text":"We wouldn't wanna cover all the lines.","start":1538.2,"end":1539.975,"sentiment":"neutral","sentiment_score":-0.18285979330539703},{"text":"Yeah.","start":1539.975,"end":1540.215,"sentiment":"neutral","sentiment_score":-0.06312785297632217}],"sentiment":"neutral","sentiment_score":-0.14712754247540777,"num_words":11,"start":1534.76,"end":1540.215},{"sentences":[{"text":"Just the primary.","start":1540.215,"end":1541.195,"sentiment":"neutral","sentiment_score":-0.09955052783091863},{"text":"Mhmm.","start":1541.655,"end":1542.155,"sentiment":"neutral","sentiment_score":-0.02820849046111107},{"text":"Yes.","start":1561.75,"end":1562.25,"sentiment":"neutral","sentiment_score":0.0217756275087595},{"text":"Yes.","start":1562.79,"end":1563.29,"sentiment":"neutral","sentiment_score":0.02213091030716896},{"text":"Yeah.","start":1570.965,"end":1571.465,"sentiment":"neutral","sentiment_score":0.01897689886391163}],"sentiment":"neutral","sentiment_score":-0.03771094818200384,"num_words":7,"start":1540.215,"end":1571.465},{"sentences":[{"text":"Yes.","start":1571.765,"end":1572.265,"sentiment":"neutral","sentiment_score":0.08318664133548737},{"text":"Yes.","start":1572.3251,"end":1572.725,"sentiment":"neutral","sentiment_score":0.19938760995864868},{"text":"I think that's adequate.","start":1572.725,"end":1573.765,"sentiment":"positive","sentiment_score":0.3786807507276535},{"text":"Yep.","start":1573.765,"end":1574.265,"sentiment":"positive","sentiment_score":0.3721688687801361},{"text":"Yes.","start":1582.27,"end":1582.77,"sentiment":"neutral","sentiment_score":0.044877614825963974}],"sentiment":"neutral","sentiment_score":0.27679296722635627,"num_words":8,"start":1571.765,"end":1582.77},{"sentences":[{"text":"Yes.","start":1588.83,"end":1589.33,"sentiment":"neutral","sentiment_score":0.00721945334225893},{"text":"Okay.","start":1594.965,"end":1595.465,"sentiment":"neutral","sentiment_score":0.0032548438757658005},{"text":"Minimize tax.","start":1606.085,"end":1607.205,"sentiment":"neutral","sentiment_score":-0.0006026960909366608},{"text":"Yeah.","start":1607.205,"end":1607.705,"sentiment":"neutral","sentiment_score":0.009884826838970184},{"text":"So yeah.","start":1608.75,"end":1609.65,"sentiment":"neutral","sentiment_score":0.03429076820611954}],"sentiment":"neutral","sentiment_score":0.012533609755337238,"num_words":7,"start":1588.83,"end":1609.65},{"sentences":[{"text":"Okay.","start":1612.3501,"end":1612.8501,"sentiment":"neutral","sentiment_score":0.045914310961961746},{"text":"Yeah.","start":1614.3501,"end":1614.8501,"sentiment":"neutral","sentiment_score":0.04295184835791588},{"text":"Yeah.","start":1618.91,"end":1619.41,"sentiment":"neutral","sentiment_score":0.0672089010477066},{"text":"Yep.","start":1624.805,"end":1625.305,"sentiment":"neutral","sentiment_score":0.042720865458250046},{"text":"Yes.","start":1631.285,"end":1631.785,"sentiment":"neutral","sentiment_score":0.036707013845443726}],"sentiment":"neutral","sentiment_score":0.0471005879342556,"num_words":5,"start":1612.3501,"end":1631.785},{"sentences":[{"text":"Yeah.","start":1635.97,"end":1636.47,"sentiment":"neutral","sentiment_score":0.03122476302087307},{"text":"Yes.","start":1638.0499,"end":1638.5499,"sentiment":"neutral","sentiment_score":0.031336233019828796},{"text":"No.","start":1645.49,"end":1645.73,"sentiment":"neutral","sentiment_score":-0.06843124330043793},{"text":"I think that's fine.","start":1645.73,"end":1646.87,"sentiment":"neutral","sentiment_score":-0.0013623691629618406},{"text":"Yep.","start":1657.285,"end":1657.785,"sentiment":"neutral","sentiment_score":-0.002544387709349394}],"sentiment":"neutral","sentiment_score":-0.0017330139526166022,"num_words":8,"start":1635.97,"end":1657.785},{"sentences":[{"text":"No.","start":1660.715,"end":1660.965,"sentiment":"neutral","sentiment_score":-0.26603201031684875},{"text":"No.","start":1660.965,"end":1661.285,"sentiment":"neutral","sentiment_score":-0.27421966195106506},{"text":"That's that's what it is.","start":1661.285,"end":1662.92,"sentiment":"neutral","sentiment_score":-0.1623142033815384},{"text":"Yeah.","start":1662.92,"end":1663.24,"sentiment":"neutral","sentiment_score":0.0019511384889483452},{"text":"Yeah.","start":1663.24,"end":1663.64,"sentiment":"neutral","sentiment_score":0.01728362776339054}],"sentiment":"neutral","sentiment_score":-0.14806532476925188,"num_words":9,"start":1660.715,"end":1663.64},{"sentences":[{"text":"It's set up there.","start":1663.64,"end":1664.52,"sentiment":"neutral","sentiment_score":0.08586328662931919},{"text":"Yep.","start":1664.52,"end":1664.84,"sentiment":"neutral","sentiment_score":0.2038072794675827},{"text":"Mhmm.","start":1664.84,"end":1665.34,"sentiment":"neutral","sentiment_score":0.06936343759298325},{"text":"Okay.","start":1687.23,"end":1687.73,"sentiment":"neutral","sentiment_score":0.03253501281142235},{"text":"Okay.","start":1693.2375,"end":1693.7375,"sentiment":"neutral","sentiment_score":0.01209794171154499}],"sentiment":"neutral","sentiment_score":0.08265710226260126,"num_words":8,"start":1663.64,"end":1693.7375},{"sentences":[{"text":"What would the cost be of increasing the benefit?","start":1720.78,"end":1724.255,"sentiment":"neutral","sentiment_score":-0.026712962943646643},{"text":"Okay.","start":1726.475,"end":1726.975,"sentiment":"neutral","sentiment_score":0.04814348369836807},{"text":"Yeah.","start":1728.795,"end":1729.295,"sentiment":"neutral","sentiment_score":0.05188332125544548},{"text":"Yeah.","start":1731.275,"end":1731.775,"sentiment":"neutral","sentiment_score":-0.028119828552007675},{"text":"Sure.","start":1733.8351,"end":1734.3351,"sentiment":"neutral","sentiment_score":0.07829929888248444}],"sentiment":"neutral","sentiment_score":-0.0069392608621945745,"num_words":13,"start":1720.78,"end":1734.3351},{"sentences":[{"text":"Yeah.","start":1739.16,"end":1739.66,"sentiment":"neutral","sentiment_score":0.03343969210982323},{"text":"Yeah.","start":1741.16,"end":1741.56,"sentiment":"neutral","sentiment_score":0.21069099009037015},{"text":"If you can do that, that would be great.","start":1741.56,"end":1743.16,"sentiment":"positive","sentiment_score":0.392526282204522},{"text":"Thank you.","start":1743.16,"end":1743.9,"sentiment":"positive","sentiment_score":0.5770895183086395},{"text":"Okay.","start":1752.8401,"end":1753.305,"sentiment":"neutral","sentiment_score":0.013935981318354608}],"sentiment":"positive","sentiment_score":0.35321301714118036,"num_words":14,"start":1739.16,"end":1753.305},{"sentences":[{"text":"Yes.","start":1768.0399,"end":1768.5399,"sentiment":"neutral","sentiment_score":0.2584972381591797},{"text":"Okay.","start":1772.12,"end":1772.62,"sentiment":"neutral","sentiment_score":0.19609716534614563},{"text":"Okay.","start":1778.36,"end":1778.86,"sentiment":"neutral","sentiment_score":0.07503174990415573},{"text":"Yes.","start":1789.765,"end":1790.265,"sentiment":"neutral","sentiment_score":0.037518635392189026},{"text":"Yep.","start":1798.3301,"end":1798.8301,"sentiment":"neutral","sentiment_score":0.04981566220521927}],"sentiment":"neutral","sentiment_score":0.12339209020137787,"num_words":5,"start":1768.0399,"end":1798.8301},{"sentences":[{"text":"Yeah.","start":1803.13,"end":1803.4501,"sentiment":"neutral","sentiment_score":0.07983863353729248},{"text":"That's fine.","start":1803.4501,"end":1804.0901,"sentiment":"neutral","sentiment_score":0.16992559283971786},{"text":"Yep.","start":1804.0901,"end":1804.5901,"sentiment":"neutral","sentiment_score":0.1773456186056137},{"text":"No.","start":1812.2849,"end":1812.765,"sentiment":"neutral","sentiment_score":-0.10323058068752287},{"text":"No.","start":1812.765,"end":1813.005,"sentiment":"neutral","sentiment_score":-0.12661346793174744}],"sentiment":"neutral","sentiment_score":0.0611985648671786,"num_words":6,"start":1803.13,"end":1813.005},{"sentences":[{"text":"I don't.","start":1813.005,"end":1813.585,"sentiment":"neutral","sentiment_score":-0.15407384186983109},{"text":"Yes.","start":1826.4401,"end":1826.9401,"sentiment":"neutral","sentiment_score":0.04951686412096024},{"text":"17, 15, and 13.","start":1830.2001,"end":1831.9,"sentiment":"neutral","sentiment_score":0.027917071245610714},{"text":"Yeah.","start":1835.0,"end":1835.4801,"sentiment":"neutral","sentiment_score":0.09665431082248688},{"text":"My daughter my youngest just turned 13 on Sunday.","start":1835.4801,"end":1838.055,"sentiment":"neutral","sentiment_score":0.16266457074218327}],"sentiment":"neutral","sentiment_score":0.08315723016858101,"num_words":17,"start":1813.005,"end":1838.055},{"sentences":[{"text":"I think I'm happy with what I have now.","start":1884.17,"end":1886.09,"sentiment":"positive","sentiment_score":0.5781477292378744},{"text":"Thank you.","start":1886.09,"end":1886.91,"sentiment":"positive","sentiment_score":0.5606986433267593},{"text":"Okay.","start":1894.6051,"end":1895.1051,"sentiment":"neutral","sentiment_score":0.197396457195282},{"text":"So Yeah.","start":1899.3251,"end":1908.62,"sentiment":"positive","sentiment_score":0.3523986116051674},{"text":"Yeah.","start":1908.62,"end":1909.12,"sentiment":"neutral","sentiment_score":0.1088641881942749}],"sentiment":"positive","sentiment_score":0.4890523145596186,"num_words":15,"start":1884.17,"end":1909.12},{"sentences":[{"text":"That's right.","start":1909.1799,"end":1909.8999,"sentiment":"neutral","sentiment_score":0.14862557500600815},{"text":"Yeah.","start":1909.8999,"end":1910.22,"sentiment":"neutral","sentiment_score":0.1553770899772644},{"text":"Yeah.","start":1910.22,"end":1910.72,"sentiment":"neutral","sentiment_score":0.24700580537319183},{"text":"Yeah.","start":1935.62,"end":1936.12,"sentiment":"neutral","sentiment_score":-0.05840808153152466},{"text":"I don't know.","start":1936.5,"end":1937.14,"sentiment":"neutral","sentiment_score":-0.08761140952507655}],"sentiment":"neutral","sentiment_score":0.04729896690696478,"num_words":8,"start":1909.1799,"end":1937.14},{"sentences":[{"text":"It's hard to say.","start":1937.14,"end":1938.36,"sentiment":"neutral","sentiment_score":-0.1395408771932125},{"text":"Again, I'm just having a look.","start":1940.42,"end":1942.28,"sentiment":"neutral","sentiment_score":-0.027312477740148704},{"text":"Because my yeah.","start":1942.9,"end":1944.1,"sentiment":"neutral","sentiment_score":-0.023680688192447025},{"text":"I've spent averaging it out.","start":1944.1,"end":1945.3,"sentiment":"neutral","sentiment_score":-0.0036441516131162643},{"text":"Yes.","start":1945.3,"end":1945.62,"sentiment":"neutral","sentiment_score":0.009453007951378822}],"sentiment":"neutral","sentiment_score":-0.04220253631080452,"num_words":19,"start":1937.14,"end":1945.62},{"sentences":[{"text":"Because my husband runs his own business, obviously, his income's to a.","start":1945.62,"end":1949.175,"sentiment":"neutral","sentiment_score":0.002555351830475653},{"text":"Mhmm.","start":1950.275,"end":1950.775,"sentiment":"neutral","sentiment_score":-0.01691601797938347},{"text":"And so it can be dependent on, you know, his his earning.","start":1951.555,"end":1958.6951,"sentiment":"neutral","sentiment_score":-0.038612655674417816},{"text":"But I would say yeah.","start":1960.835,"end":1968.9,"sentiment":"neutral","sentiment_score":-0.03683341145515442},{"text":"I mean, we're probably not saving as much as we would like to.","start":1968.9,"end":1975.48,"sentiment":"neutral","sentiment_score":-0.04283869108901574}],"sentiment":"neutral","sentiment_score":-0.027690086175341074,"num_words":43,"start":1945.62,"end":1975.48},{"sentences":[{"text":"But then again, we are also well, when I say we're so we're saving, but we're putting money into the granny flat.","start":1975.9401,"end":1982.035,"sentiment":"neutral","sentiment_score":-0.02344207021153786},{"text":"So anything that we save within, you know, our our spending on that.","start":1982.035,"end":1986.275,"sentiment":"neutral","sentiment_score":0.041339056279796824},{"text":"So so I'd say, yeah, we'd we'd probably yeah, let let's say 500 a week.","start":1986.275,"end":1993.69,"sentiment":"neutral","sentiment_score":0.015113741407791774},{"text":"It's probably about half of what we were.","start":1994.23,"end":1996.41,"sentiment":"neutral","sentiment_score":0.014105768292210996},{"text":"Yeah.","start":1996.47,"end":1996.97,"sentiment":"neutral","sentiment_score":0.05749038606882095}],"sentiment":"neutral","sentiment_score":0.007097031195032395,"num_words":59,"start":1975.9401,"end":1996.97},{"sentences":[{"text":"Yeah.","start":2007.915,"end":2008.235,"sentiment":"neutral","sentiment_score":0.01016339659690857},{"text":"I mean, not in a super huge rush because at the moment, my my in laws are actually just staying in our caravan.","start":2008.235,"end":2015.055,"sentiment":"neutral","sentiment_score":-0.016184397446720497},{"text":"So we've got a we've got a fully self contained caravan with a kitchen and a toilet and bathroom and all of that kind of thing.","start":2016.395,"end":2023.28,"sentiment":"neutral","sentiment_score":0.09309004605389558},{"text":"So yeah.","start":2024.38,"end":2025.9,"sentiment":"neutral","sentiment_score":0.07999029755592346},{"text":"That because, I mean, they can still come in and you know, they come into the main house, and they can use the the toilet and bathroom and whatnot.","start":2025.9,"end":2031.26,"sentiment":"neutral","sentiment_score":0.06861066188791702}],"sentiment":"neutral","sentiment_score":0.051950040031914356,"num_words":81,"start":2007.915,"end":2031.26},{"sentences":[{"text":"But yeah.","start":2031.26,"end":2031.66,"sentiment":"neutral","sentiment_score":0.06569482386112213},{"text":"So they're kind of quite self sufficient in in that space.","start":2031.66,"end":2035.855,"sentiment":"neutral","sentiment_score":0.10924857787110588},{"text":"So we're not in a huge rush.","start":2035.855,"end":2037.695,"sentiment":"neutral","sentiment_score":-0.0012407002172299794},{"text":"So it's it's a case of when we have the money.","start":2037.695,"end":2040.175,"sentiment":"neutral","sentiment_score":0.009426510300148617},{"text":"You know?","start":2040.175,"end":2040.835,"sentiment":"neutral","sentiment_score":-0.0013475543819367886}],"sentiment":"neutral","sentiment_score":0.04319501840368365,"num_words":33,"start":2031.26,"end":2040.835},{"sentences":[{"text":"So being able to because, like, certain things will cost.","start":2041.775,"end":2044.895,"sentiment":"neutral","sentiment_score":0.025578333623707296},{"text":"You know?","start":2044.895,"end":2045.215,"sentiment":"neutral","sentiment_score":0.006874751299619675},{"text":"We only, like, a lump sum of of an amount.","start":2045.215,"end":2047.635,"sentiment":"neutral","sentiment_score":0.01961092771962285},{"text":"So once we, you know, get that, then we can pay.","start":2047.9349,"end":2050.87,"sentiment":"neutral","sentiment_score":0.015762657943097027},{"text":"You know?","start":2050.87,"end":2051.27,"sentiment":"neutral","sentiment_score":0.00040618423372507106}],"sentiment":"neutral","sentiment_score":0.018281249196401665,"num_words":35,"start":2041.775,"end":2051.27},{"sentences":[{"text":"So but at the moment, it's very much in the beginning phase with so the architects have submitted the plans to the council.","start":2051.27,"end":2059.99,"sentiment":"neutral","sentiment_score":0.00717506120386331},{"text":"So we've probably got about a ten week wait for approval, if they're happy with everything.","start":2059.99,"end":2064.7349,"sentiment":"neutral","sentiment_score":0.003454876074101776},{"text":"And, you know, so it's really yeah.","start":2064.7349,"end":2066.575,"sentiment":"neutral","sentiment_score":-0.015704210182385787},{"text":"We don't ideally, if we could have it done by the end of the year, that would be, yeah, that would be ideal.","start":2066.575,"end":2072.515,"sentiment":"neutral","sentiment_score":-0.05816111308724984},{"text":"But, yeah, we're not sort sort of, like, super stressed about it.","start":2074.4302,"end":2078.1301,"sentiment":"neutral","sentiment_score":-0.18059015894929567}],"sentiment":"neutral","sentiment_score":-0.04190632783704334,"num_words":81,"start":2051.27,"end":2078.1301},{"sentences":[{"text":"But yeah.","start":2078.4302,"end":2079.1702,"sentiment":"neutral","sentiment_score":-0.08712157979607582},{"text":"Yeah.","start":2080.03,"end":2080.53,"sentiment":"neutral","sentiment_score":0.1628638505935669},{"text":"Yeah.","start":2083.7102,"end":2084.2102,"sentiment":"neutral","sentiment_score":0.2230992615222931},{"text":"Yeah.","start":2086.6702,"end":2087.07,"sentiment":"neutral","sentiment_score":0.2093275636434555},{"text":"Yeah.","start":2087.07,"end":2087.57,"sentiment":"neutral","sentiment_score":0.22394707798957825}],"sentiment":"neutral","sentiment_score":0.10749909902612369,"num_words":6,"start":2078.4302,"end":2087.57},{"sentences":[{"text":"That would be.","start":2087.7102,"end":2088.61,"sentiment":"neutral","sentiment_score":0.3234582046667735},{"text":"Mhmm.","start":2096.365,"end":2096.865,"sentiment":"neutral","sentiment_score":-0.02938082069158554},{"text":"Oh, gosh.","start":2099.3252,"end":2100.145,"sentiment":"neutral","sentiment_score":-0.22287404537200928},{"text":"I'm more like this a depreciating asset, so you should probably drop it maybe.","start":2100.2852,"end":2105.25,"sentiment":"negative","sentiment_score":-0.4322914502450398},{"text":"I wouldn't obviously, with the financials, our accountant does everything because all of that stuff is kind of linked to my husband's business.","start":2105.9502,"end":2115.09,"sentiment":"neutral","sentiment_score":-0.22215960466343423}],"sentiment":"neutral","sentiment_score":-0.24805826763080996,"num_words":43,"start":2087.7102,"end":2115.09},{"sentences":[{"text":"So they would've she would've appreciated the caravan, I'm sure.","start":2116.725,"end":2120.2651,"sentiment":"neutral","sentiment_score":-0.08177143074572087},{"text":"Oh gosh.","start":2125.205,"end":2125.955,"sentiment":"neutral","sentiment_score":-0.022239062935113907},{"text":"Yeah.","start":2131.39,"end":2131.47,"sentiment":"neutral","sentiment_score":0.13888907432556152},{"text":"I suppose if we could get about 50 for it, that would be great.","start":2131.47,"end":2134.85,"sentiment":"neutral","sentiment_score":0.2405736552817481},{"text":"Yeah.","start":2135.95,"end":2136.45,"sentiment":"positive","sentiment_score":0.38562285900115967}],"sentiment":"neutral","sentiment_score":0.10822680978370565,"num_words":28,"start":2116.725,"end":2136.45},{"sentences":[{"text":"But yeah.","start":2137.15,"end":2137.89,"sentiment":"neutral","sentiment_score":0.18011507391929626},{"text":"That's great.","start":2138.03,"end":2138.93,"sentiment":"positive","sentiment_score":0.36189304292201996},{"text":"Yep.","start":2142.43,"end":2142.93,"sentiment":"neutral","sentiment_score":0.031425368040800095},{"text":"Yeah.","start":2154.8452,"end":2155.165,"sentiment":"neutral","sentiment_score":0.06257840245962143},{"text":"It's fine.","start":2155.165,"end":2155.905,"sentiment":"neutral","sentiment_score":0.08711547404527664}],"sentiment":"neutral","sentiment_score":0.1690313690342009,"num_words":8,"start":2137.15,"end":2155.905},{"sentences":[{"text":"Maybe, like, a 25 because I think yeah.","start":2157.9202,"end":2160.82,"sentiment":"neutral","sentiment_score":0.0284639960154891},{"text":"Yeah.","start":2161.2002,"end":2161.7002,"sentiment":"neutral","sentiment_score":0.03821021318435669},{"text":"Yeah.","start":2162.0,"end":2162.24,"sentiment":"neutral","sentiment_score":0.05458670109510422},{"text":"The service depreciation.","start":2162.24,"end":2163.62,"sentiment":"neutral","sentiment_score":0.11110411832729976},{"text":"Yep.","start":2164.0,"end":2164.5,"sentiment":"neutral","sentiment_score":0.0898064374923706}],"sentiment":"neutral","sentiment_score":0.05311626249126026,"num_words":14,"start":2157.9202,"end":2164.5},{"sentences":[{"text":"Yep.","start":2166.8,"end":2167.3,"sentiment":"neutral","sentiment_score":0.056632570922374725},{"text":"Yep.","start":2172.7202,"end":2173.2202,"sentiment":"neutral","sentiment_score":0.054447002708911896},{"text":"Yes.","start":2173.575,"end":2174.075,"sentiment":"neutral","sentiment_score":0.0900600403547287},{"text":"Yes.","start":2177.4949,"end":2177.7449,"sentiment":"neutral","sentiment_score":0.02457449585199356},{"text":"Yep.","start":2177.7449,"end":2178.2449,"sentiment":"neutral","sentiment_score":0.026958923786878582}],"sentiment":"neutral","sentiment_score":0.05053460672497749,"num_words":5,"start":2166.8,"end":2178.2449},{"sentences":[{"text":"No.","start":2187.8499,"end":2188.17,"sentiment":"neutral","sentiment_score":-0.16048672795295715},{"text":"We put that all back into, yeah, the the it was meant to be put into an offset, and when they set up the new lines, they didn't quite do it the way we wanted to.","start":2188.17,"end":2199.45,"sentiment":"neutral","sentiment_score":-0.16556209491358864},{"text":"So, yeah, unfortunately, that's gone all all in back into the the home.","start":2199.45,"end":2203.765,"sentiment":"neutral","sentiment_score":-0.21362329560976762},{"text":"But anyway so we've we've got we've got an offset facility that we then just you know, all the extra money goes into that.","start":2203.765,"end":2212.745,"sentiment":"neutral","sentiment_score":-0.04106371741121014},{"text":"And then that's what we if we need to and it's a redraw account.","start":2213.685,"end":2216.965,"sentiment":"neutral","sentiment_score":0.019451289171619073}],"sentiment":"neutral","sentiment_score":-0.10921631996858526,"num_words":88,"start":2187.8499,"end":2216.965},{"sentences":[{"text":"So if we need to draw out of it, we can.","start":2216.965,"end":2219.15,"sentiment":"neutral","sentiment_score":0.026168538342145355},{"text":"And that's where we're putting an extra and then we pull out of that for the granny flat.","start":2219.45,"end":2223.29,"sentiment":"neutral","sentiment_score":0.046918778473304376},{"text":"So that's how what we're confusing it.","start":2223.29,"end":2225.63,"sentiment":"neutral","sentiment_score":0.15057556011847087},{"text":"Yep.","start":2226.01,"end":2226.51,"sentiment":"neutral","sentiment_score":0.18771100044250488},{"text":"Yep.","start":2235.8152,"end":2236.3152,"sentiment":"neutral","sentiment_score":0.01830830425024033}],"sentiment":"neutral","sentiment_score":0.06295895157381892,"num_words":38,"start":2216.965,"end":2236.3152},{"sentences":[{"text":"No.","start":2240.455,"end":2240.855,"sentiment":"neutral","sentiment_score":-0.03731345385313034},{"text":"That's pretty pretty consistent.","start":2240.855,"end":2242.635,"sentiment":"neutral","sentiment_score":-0.016650708857923746},{"text":"Yeah.","start":2243.0952,"end":2243.5752,"sentiment":"neutral","sentiment_score":0.028304150328040123},{"text":"Caracas.","start":2243.5752,"end":2244.0752,"sentiment":"neutral","sentiment_score":0.020764749497175217},{"text":"Yeah.","start":2244.455,"end":2244.955,"sentiment":"neutral","sentiment_score":0.049192823469638824}],"sentiment":"neutral","sentiment_score":-0.0007068207487463951,"num_words":8,"start":2240.455,"end":2244.955},{"sentences":[{"text":"Mhmm.","start":2253.41,"end":2253.91,"sentiment":"neutral","sentiment_score":0.01359603088349104},{"text":"Yes.","start":2253.97,"end":2254.47,"sentiment":"neutral","sentiment_score":0.01041868980973959},{"text":"That's gone up.","start":2254.5298,"end":2255.75,"sentiment":"neutral","sentiment_score":0.008177278408159813},{"text":"I'd say that's probably about $9,900 now.","start":2257.17,"end":2260.39,"sentiment":"neutral","sentiment_score":0.020101187750697136},{"text":"Yep.","start":2265.655,"end":2266.155,"sentiment":"neutral","sentiment_score":0.09782503545284273}],"sentiment":"neutral","sentiment_score":0.022083069663494825,"num_words":13,"start":2253.41,"end":2266.155},{"sentences":[{"text":"Mhmm.","start":2266.375,"end":2266.875,"sentiment":"neutral","sentiment_score":0.06407875567674637},{"text":"Yeah.","start":2268.455,"end":2268.855,"sentiment":"neutral","sentiment_score":0.03558581694960594},{"text":"That could probably go up to 1 I would say $1.02.","start":2268.855,"end":2272.155,"sentiment":"neutral","sentiment_score":0.04268040135502815},{"text":"So maybe another 100,000.","start":2272.215,"end":2273.895,"sentiment":"neutral","sentiment_score":0.03582408279180527},{"text":"Yep.","start":2273.895,"end":2274.395,"sentiment":"neutral","sentiment_score":0.06690454483032227}],"sentiment":"neutral","sentiment_score":0.04329721464051141,"num_words":18,"start":2266.375,"end":2274.395},{"sentences":[{"text":"Yeah.","start":2276.83,"end":2277.07,"sentiment":"neutral","sentiment_score":0.23044191300868988},{"text":"The WA property market's doing well.","start":2277.07,"end":2279.25,"sentiment":"neutral","sentiment_score":0.20395724227031073},{"text":"Yeah.","start":2280.59,"end":2281.09,"sentiment":"neutral","sentiment_score":0.2046101987361908},{"text":"Yeah.","start":2289.07,"end":2289.57,"sentiment":"neutral","sentiment_score":0.07260234653949738},{"text":"Yeah.","start":2290.19,"end":2290.305,"sentiment":"neutral","sentiment_score":0.07365268468856812}],"sentiment":"neutral","sentiment_score":0.18050505965948105,"num_words":10,"start":2276.83,"end":2290.305},{"sentences":[{"text":"Yeah.","start":2292.385,"end":2292.885,"sentiment":"neutral","sentiment_score":0.0572514683008194},{"text":"Yeah.","start":2293.105,"end":2293.605,"sentiment":"neutral","sentiment_score":0.11384359002113342},{"text":"Yes.","start":2299.585,"end":2300.085,"sentiment":"neutral","sentiment_score":0.04886355996131897},{"text":"Yep.","start":2305.93,"end":2306.43,"sentiment":"neutral","sentiment_score":0.03247150778770447},{"text":"Yes.","start":2308.97,"end":2309.47,"sentiment":"neutral","sentiment_score":0.03702067583799362}],"sentiment":"neutral","sentiment_score":0.057890160381793974,"num_words":5,"start":2292.385,"end":2309.47},{"sentences":[{"text":"So we've we've now yeah.","start":2309.93,"end":2311.69,"sentiment":"neutral","sentiment_score":0.06921962425112724},{"text":"We actually did that.","start":2311.69,"end":2312.65,"sentiment":"neutral","sentiment_score":0.10062430426478386},{"text":"Yeah.","start":2312.65,"end":2312.8098,"sentiment":"neutral","sentiment_score":0.17558036744594574},{"text":"Because that was one of the things that we're like, oh, we need to get our wheels done.","start":2312.8098,"end":2315.715,"sentiment":"neutral","sentiment_score":0.28894250467419624},{"text":"So we've done well.","start":2315.955,"end":2317.495,"sentiment":"positive","sentiment_score":0.37110570818185806}],"sentiment":"neutral","sentiment_score":0.23779886320699006,"num_words":32,"start":2309.93,"end":2317.495},{"sentences":[{"text":"I can't remember, it was a little while ago now, if if the power of attorney was part of that or not.","start":2319.955,"end":2327.3352,"sentiment":"neutral","sentiment_score":-0.013857908927920189},{"text":"Yeah.","start":2329.24,"end":2329.48,"sentiment":"neutral","sentiment_score":0.05530695617198944},{"text":"But we we've definitely done the will.","start":2329.48,"end":2331.24,"sentiment":"neutral","sentiment_score":0.22165067813226155},{"text":"Yes.","start":2331.24,"end":2331.6401,"sentiment":"neutral","sentiment_score":0.08737865090370178},{"text":"So that's seems to have yeah.","start":2331.6401,"end":2333.58,"sentiment":"neutral","sentiment_score":0.04773706073562304}],"sentiment":"neutral","sentiment_score":0.045291587081108545,"num_words":37,"start":2319.955,"end":2333.58},{"sentences":[{"text":"Yeah.","start":2335.32,"end":2335.82,"sentiment":"positive","sentiment_score":0.3713003396987915},{"text":"Yep.","start":2341.0,"end":2341.5,"sentiment":"neutral","sentiment_score":0.2007245123386383},{"text":"Yes.","start":2347.885,"end":2348.385,"sentiment":"neutral","sentiment_score":0.24327006936073303},{"text":"Yes.","start":2360.01,"end":2360.51,"sentiment":"neutral","sentiment_score":0.2603323757648468},{"text":"Yes.","start":2360.89,"end":2361.39,"sentiment":"neutral","sentiment_score":0.33212175965309143}],"sentiment":"neutral","sentiment_score":0.2815498113632202,"num_words":5,"start":2335.32,"end":2361.39},{"sentences":[{"text":"Yeah.","start":2380.795,"end":2381.2751,"sentiment":"neutral","sentiment_score":0.07096792757511139},{"text":"Yes.","start":2381.2751,"end":2381.7751,"sentiment":"neutral","sentiment_score":0.04683094471693039},{"text":"Yeah.","start":2388.02,"end":2388.52,"sentiment":"neutral","sentiment_score":0.03279820829629898},{"text":"Okay.","start":2402.715,"end":2403.215,"sentiment":"neutral","sentiment_score":0.04241156950592995},{"text":"Yeah.","start":2412.4001,"end":2412.72,"sentiment":"neutral","sentiment_score":-0.010247590020298958}],"sentiment":"neutral","sentiment_score":0.03655221201479435,"num_words":5,"start":2380.795,"end":2412.72},{"sentences":[{"text":"No.","start":2412.72,"end":2413.04,"sentiment":"neutral","sentiment_score":-0.06618012487888336},{"text":"That's everything.","start":2413.04,"end":2413.86,"sentiment":"neutral","sentiment_score":-0.05503635108470917},{"text":"Yeah.","start":2414.0,"end":2414.5,"sentiment":"neutral","sentiment_score":-0.040259674191474915},{"text":"Yep.","start":2427.185,"end":2427.685,"sentiment":"neutral","sentiment_score":0.09583504498004912},{"text":"Yep.","start":2427.8252,"end":2428.3252,"sentiment":"neutral","sentiment_score":0.072386234998703}],"sentiment":"neutral","sentiment_score":-0.008048536876837415,"num_words":6,"start":2412.72,"end":2428.3252},{"sentences":[{"text":"Yes.","start":2429.185,"end":2429.5852,"sentiment":"neutral","sentiment_score":0.16028529405593872},{"text":"That does.","start":2429.5852,"end":2430.0652,"sentiment":"neutral","sentiment_score":0.25708071887493134},{"text":"Yep.","start":2430.0652,"end":2430.5652,"sentiment":"neutral","sentiment_score":0.2523869276046753},{"text":"No.","start":2440.64,"end":2441.04,"sentiment":"neutral","sentiment_score":0.01688017137348652},{"text":"I think that's covered everything.","start":2441.04,"end":2442.72,"sentiment":"neutral","sentiment_score":0.028101899288594724}],"sentiment":"neutral","sentiment_score":0.10842233272269368,"num_words":10,"start":2429.185,"end":2442.72},{"sentences":[{"text":"Thank you.","start":2442.72,"end":2443.54,"sentiment":"positive","sentiment_score":0.3720875382423401},{"text":"Yep.","start":2462.785,"end":2463.285,"sentiment":"neutral","sentiment_score":0.12568411231040957},{"text":"Yes.","start":2493.315,"end":2493.815,"sentiment":"neutral","sentiment_score":0.04878045991063118},{"text":"Yes.","start":2512.945,"end":2513.445,"sentiment":"neutral","sentiment_score":0.10870000720024107},{"text":"Yes.","start":2521.825,"end":2522.325,"sentiment":"neutral","sentiment_score":0.11390995234251022}],"sentiment":"neutral","sentiment_score":0.19020826804141203,"num_words":6,"start":2442.72,"end":2522.325},{"sentences":[{"text":"Yes.","start":2533.24,"end":2533.64,"sentiment":"neutral","sentiment_score":0.26821309328079224},{"text":"Yes.","start":2533.64,"end":2534.14,"sentiment":"neutral","sentiment_score":0.2034878134727478},{"text":"Okay.","start":2541.7349,"end":2542.2349,"sentiment":"neutral","sentiment_score":0.15271276235580444},{"text":"Alright.","start":2542.4548,"end":2542.9548,"sentiment":"positive","sentiment_score":0.4399617612361908},{"text":"No.","start":2554.17,"end":2554.67,"sentiment":"neutral","sentiment_score":-0.11916208267211914}],"sentiment":"neutral","sentiment_score":0.18904266953468324,"num_words":5,"start":2533.24,"end":2554.67},{"sentences":[{"text":"No.","start":2554.73,"end":2554.97,"sentiment":"neutral","sentiment_score":-0.149253249168396},{"text":"I have everything.","start":2554.97,"end":2556.27,"sentiment":"neutral","sentiment_score":-0.03910452127456665},{"text":"Thank you.","start":2556.49,"end":2557.23,"sentiment":"positive","sentiment_score":0.38839346170425415},{"text":"Thanks.","start":2563.595,"end":2564.095,"sentiment":"positive","sentiment_score":0.589317262172699},{"text":"Yes.","start":2567.9949,"end":2568.4949,"sentiment":"positive","sentiment_score":0.376507967710495}],"sentiment":"neutral","sentiment_score":0.1845056675374508,"num_words":8,"start":2554.73,"end":2568.4949},{"sentences":[{"text":"Yeah.","start":2568.715,"end":2569.215,"sentiment":"positive","sentiment_score":0.6008719205856323},{"text":"Okay.","start":2575.275,"end":2575.775,"sentiment":"neutral","sentiment_score":0.17176200449466705},{"text":"Alright.","start":2575.915,"end":2576.315,"sentiment":"positive","sentiment_score":0.35416603088378906},{"text":"Thank you, Dana.","start":2576.315,"end":2577.295,"sentiment":"positive","sentiment_score":0.6910885175069174},{"text":"Okay.","start":2581.4648,"end":2581.9648,"sentiment":"neutral","sentiment_score":0.18012025952339172}],"sentiment":"positive","sentiment_score":0.4828836811440332,"num_words":7,"start":2568.715,"end":2581.9648},{"sentences":[{"text":"Okay.","start":2582.1047,"end":2582.585,"sentiment":"neutral","sentiment_score":0.15889939665794373},{"text":"Bye.","start":2582.585,"end":2583.085,"sentiment":"neutral","sentiment_score":0.16622568666934967}],"sentiment":"neutral","sentiment_score":0.1625625416636467,"num_words":2,"start":2582.1047,"end":2583.085}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hey, Sam.\n\nChannel 1: Hey, Dana. How are you?\n\nChannel 0: I'm good. How are you?\n\nChannel 1: Yeah. Really good. I've got Jade on the phone. She just called back for her annual review.\n\nChannel 0: Oh, perfect. Awesome. Thank you so much. Because we had the phone ring once. I was like, I wonder if you picked it up.\n\nIf not, I was gonna try and give her a callback.\n\nChannel 1: Yeah. I picked it up, and I was like, oh, yep, Jay. That's Dana. So it was sort of fitting that I picked it up because it was your client.\n\nChannel 0: Easy done. Perfect. How is she? She's all good.\n\nChannel 1: Yep. No. She's really good. She's got a New Zealand accent, I think. So yep.\n\nNo. She's\n\nChannel 0: Yes.\n\nChannel 1: all\n\nChannel 0: She\n\nChannel 1: good.\n\nChannel 0: does.\n\nChannel 1: She had time to complete the call. So, yep, she's ready for you when you're ready.\n\nChannel 0: Fantastic. You can send her through whenever you're ready. Beautiful.\n\nChannel 1: Alright. Perfect. In 321, you have Jade.\n\nChannel 0: Oh, hi, Jade. This is how are you this afternoon?\n\nChannel 1: Yes. Good. Thanks. How are you?\n\nChannel 0: I'm very well. Thank you. Sorry about playing a bit of phone tag with you.\n\nChannel 1: Yes.\n\nChannel 0: Thank\n\nChannel 1: Sorry.\n\nChannel 0: you so much for calling us,\n\nChannel 1: I\n\nChannel 0: but\n\nChannel 1: had\n\nChannel 0: no.\n\nChannel 1: a chuckle.\n\nChannel 0: You're fine. All good. Jade, I had you booked in to go through a bit of an annual review there with you today. Before\n\nChannel 1: Yes.\n\nChannel 0: we jump into the call, just wanted to find out if there's anything specific that you're wanting to maybe have me touch base on or any, sorry, specific questions that you would like me to sort of tackle for you today?\n\nChannel 1: Oh, no. Nothing in particular.\n\nChannel 0: Nope. That's okay. Just a bit of an overview on how sleep has been going for you then.\n\nChannel 1: Yeah. Yes.\n\nChannel 0: Yes.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. All good. So, Jade, I just wanna double check. Do you have access to your email at the moment?\n\nChannel 1: Yes. I do.\n\nChannel 0: Yeah. Beautiful. What I'm gonna do is I'm gonna send through an email to you. It does just have your annual review documents attached there for you, so I'll press send on that one.\n\nChannel 1: Yep.\n\nChannel 0: You are welcome to open them up and have a bit of a review of them. I will also touch on some of those documents as we are going through the review there. But the most\n\nChannel 1: Yep.\n\nChannel 0: important ones are just giving you an update on your super performance and a bit of your super an insurance summary there for you as well. Okay.\n\nChannel 1: Okay.\n\nChannel 0: Fantastic. How's your morning been so far?\n\nChannel 1: Yeah. It's been fun. Yeah. Just\n\nChannel 0: Yeah?\n\nChannel 1: been at work. So yeah.\n\nChannel 0: Yeah. Of course. All good. Beautiful. And how's everything sort of been since we last caught up last year?\n\nHas there been any major changes with work or with your circumstances?\n\nChannel 1: So we have actually for my husband now, we purchased a second investment property.\n\nChannel 0: Oh, fantastic. Just having a look at what I have here at the moment. So we had down here your main primary residence noted as being in Timberlane, and then we also had two investment properties, one in Estuary and the other one in Karratha. Is there any additional to those that\n\nChannel 1: Oh,\n\nChannel 0: we would\n\nChannel 1: sorry.\n\nChannel 0: already have\n\nChannel 1: Sorry.\n\nChannel 0: noted?\n\nChannel 1: Okay.\n\nChannel 0: Or Yeah.\n\nChannel 1: No. Sorry. The Carathe one was the one. I I didn't realize we had challenged because when you said annual, I thought, oh, it was last year\n\nChannel 0: That's\n\nChannel 1: before we\n\nChannel 0: alright.\n\nChannel 1: bought the property. But\n\nChannel 0: Yeah.\n\nChannel 1: no. No. No. That's that's correct. Yeah.\n\nChannel 0: Fantastic. No. Well, that's fantastic. Good to hear. Is there any plans to purchase more properties down the track, or are you just sort of seeing how these ones go?\n\nOr\n\nChannel 1: Yeah. Not not at this stage. We're we're actually in the process of putting a granny flat on our owner occupied house for my in laws.\n\nChannel 0: Yeah. Oh, fantastic. That'd be a bit of a process building that one.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. The in laws will be moving in and living in the granny flat and helping out a little bit there for you?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Beautiful. Excellent. Good to see. We had a note here that you were also had another medium term goal of looking to study or that you were studying.\n\nI'm so sorry. It just says study is a long term goal. Are you currently taking on any additional studies, or is it something you're wanting to do down the track?\n\nChannel 1: Yeah. Not not at the moment. It's a yeah. It's it's further down the track.\n\nChannel 0: Yes. No. That's okay. Not a problem at all. Is it more just a study on top of what you're currently doing for work, or is it, like, additional another area to study?\n\nChannel 1: No. It would be, yeah, just furthering my current qualifications. So\n\nChannel 0: Building. Yeah. Beautiful.\n\nChannel 1: I'm a psychologist,\n\nChannel 0: Yes.\n\nChannel 1: so it's which would just be furthering that. Yep.\n\nChannel 0: Oh, beautiful. Lovely. Excellent. And I had your income last year. It's about 140,000.\n\nIs your income increased since we last sort of caught up? Or\n\nChannel 1: No. It's still that's pretty much what\n\nChannel 0: not\n\nChannel 1: it's sitting\n\nChannel 0: the\n\nChannel 1: at.\n\nChannel 0: same.\n\nChannel 1: Yep.\n\nChannel 0: Yep. No. That's okay. All good. I will apologize in advance there, Jade.\n\nIt does look like your the annual review pack is coming through. It's just not sending at the moment. So after the call, if it's okay, I'll just have to go back in and see what the IT issue is and resend it out to you. So I do apologize\n\nChannel 1: Okay.\n\nChannel 0: that\n\nChannel 1: I've\n\nChannel 0: it's probably\n\nChannel 1: I've got\n\nChannel 0: not\n\nChannel 1: it.\n\nChannel 0: coming through\n\nChannel 1: It's\n\nChannel 0: with you\n\nChannel 1: definitely\n\nChannel 0: at the moment.\n\nChannel 1: come through.\n\nChannel 0: Oh, you have?\n\nChannel 1: Yes.\n\nChannel 0: That's so bizarre. Says here that it's not sending.\n\nChannel 1: Okay.\n\nChannel 0: Very\n\nChannel 1: No.\n\nChannel 0: strange.\n\nChannel 1: It's definitely it's come through have you tried three times? Because it's come through three times.\n\nChannel 0: That's probably it. Yeah. It just keeps telling me\n\nChannel 1: Yep.\n\nChannel 0: there's some fields missing, and it's not sending. So if it's come through to you, that is fantastic. Thank you. Sorry about that.\n\nChannel 1: Definitely come\n\nChannel 0: Love\n\nChannel 1: through. Yes.\n\nChannel 0: technology\n\nChannel 1: Sorry. I should\n\nChannel 0: when\n\nChannel 1: have\n\nChannel 0: it wants\n\nChannel 1: said.\n\nChannel 0: to work. No. You're\n\nChannel 1: So\n\nChannel 0: absolutely fine. Beautiful. Yeah.\n\nChannel 1: okay. So the one that I well, the\n\nChannel 0: All\n\nChannel 1: the thing\n\nChannel 0: good.\n\nChannel 1: that I'm looking at is the signing page, but\n\nChannel 0: Yep.\n\nChannel 1: then there's attachments as well. Mhmm.\n\nChannel 0: Yeah. So if you open the attachments there, you'll see one of those attachments is your superannuation and insurance summary there. So having\n\nChannel 1: Yes.\n\nChannel 0: a look back now, we did sort of catch up and do a review around about November last year there. So\n\nChannel 1: Yes. Yes.\n\nChannel 0: I can see having a look here, your your balance and\n\nChannel 1: No.\n\nChannel 0: your review time last year was about a hundred and two thousand three hundred and fifty two and fifty cents there. So then\n\nChannel 1: Yep.\n\nChannel 0: having a look at your superannuation balance since then, it has definitely increased. So we got a 113,953 and 11¢. So\n\nChannel 1: Yep.\n\nChannel 0: it has definitely gone up, which is good.\n\nChannel 1: Yep.\n\nChannel 0: I\n\nChannel 1: Yep.\n\nChannel 0: don't know if you sort of look at your super very often or hear\n\nChannel 1: Yeah.\n\nChannel 0: about what's\n\nChannel 1: I\n\nChannel 0: happening\n\nChannel 1: do.\n\nChannel 0: in the\n\nChannel 1: I\n\nChannel 0: news call.\n\nChannel 1: I do I do\n\nChannel 0: Yeah.\n\nChannel 1: log in from time to time to keep an eye on it. Yes, sir. Actually,\n\nChannel 0: Yeah.\n\nChannel 1: funny enough well, obviously, because we were having this annual review chat, I I went on and had a look\n\nChannel 0: Yeah.\n\nChannel 1: and noticed that the graph over the last sort\n\nChannel 0: Yep.\n\nChannel 1: of six months and how it kinda dipped around the whole, like, Iran war saga, you know, fuel saga.\n\nChannel 0: Yes.\n\nChannel 1: But that it's actually\n\nChannel 0: Yes.\n\nChannel 1: gone back\n\nChannel 0: Yeah.\n\nChannel 1: up again. So that's quite positive. So yeah.\n\nChannel 0: Absolutely. And when I sort of have a look at the graph, I also also have a look at what's happening globally and look at benchmarks. And the benchmark I tend to look at is the all ordinaries, and that gives us an idea of what the the whole ASX as a whole does. And your super\n\nChannel 1: Yep.\n\nChannel 0: has very much gone up and down in line with what the all ordinaries or what the market has as a whole. So there's nothing\n\nChannel 1: Yeah.\n\nChannel 0: really that is flagging as really needs to be removed or altered because it is just following market reactions, which is good to know. And it did it did take a very big drop around about sort of the April 7 is when we saw quite a large dip there, and there was another run around about August 2024. So you sort\n\nChannel 1: Yeah.\n\nChannel 0: of saw that dip in 2024. It came back and recovered from that point onwards. And then we saw another bit of a dip around March and then another bigger one at April 7, which is when the height of all that with The US\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: the Iran war was going on in the news. And then, yeah, it has definitely come back. And from about, you know, from there, we have gone back to higher than we were originally.\n\nChannel 1: Yeah.\n\nChannel 0: So it has it has definitely recovered out of that and has seen additional growth there. When I\n\nChannel 1: Mhmm.\n\nChannel 0: look at how your investments are performing individually, and you'll see one of those attachments is the performance with internal rate of return.\n\nChannel 1: Yes.\n\nChannel 0: And that sort of breaks down how your investments are performing individually. Now everything is doing really well. You do have some s and p 500 for the top 500 companies in The US. You've got some physical gold. Both of those are performing nicely.\n\nWe've had a\n\nChannel 1: Yep.\n\nChannel 0: 1618% return on those net growth. We've also got some cybersecurity. You've also got some Australian equities in them, some agriculture,\n\nChannel 1: Yep.\n\nChannel 0: and also some infrastructure. And then you've\n\nChannel 1: Yep.\n\nChannel 0: you've got your BANELON Australian equities portion in there. Now Bandalong was originally put in there as a managed fund. All\n\nChannel 1: Mhmm.\n\nChannel 0: of your investments are performing very well, but you might have sort of noticed your Bandalong Australian equities is actually quite low. It is showing an internal rate of return of down the 18.48%.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, ban along when it what is originally put in your portfolio was meant to be an actively managed fund. So the investment manager of that fund is meant to be actively managing it to try and outperform against the market.\n\nChannel 1: Mhmm.\n\nChannel 0: Realistically, some managed funds can outperform against the market. Others don't do it. They don't all do it every year. It's not something they're all very good and consistent with doing.\n\nChannel 1: Yeah.\n\nChannel 0: But Benelon hasn't been able to outperform the market, and we are finding some of the underlying issues with Benelon are issues that are within the fund. So they're invested in funds that they can't get out of, that there's issues with their underlying investments. So we actually don't see it as a good investment moving forward, and I wanted to kind of move all of our clients away from that.\n\nChannel 1: Yes.\n\nChannel 0: Just sort of having a look at because I'd love to definitely remove this from your portfolio and try to find something else there. We do have\n\nChannel 1: Yes.\n\nChannel 0: a couple of different options to look at for the replacement of that investment. But did you wanna look at something a bit more actively managed like what you have here, or did you wanna sort of look at a more of a low cost investment to replace that along? What would your thoughts be around that?\n\nChannel 1: I'm wondering\n\nChannel 0: Yeah.\n\nChannel 1: so yeah. Because I'm I'm not, like, super knowledgeable about,\n\nChannel 0: That's\n\nChannel 1: you know,\n\nChannel 0: okay.\n\nChannel 1: that that kind of thing. I mean, obviously,\n\nChannel 0: Yeah.\n\nChannel 1: yes. I can see\n\nChannel 0: Yeah.\n\nChannel 1: that, you know, percentage\n\nChannel 0: Yeah.\n\nChannel 1: wise, it's it was a loss compared to everything\n\nChannel 0: Yes.\n\nChannel 1: else.\n\nChannel 0: Yeah.\n\nChannel 1: And I would be happy to go with, you know, whatever is advised in terms of if there if there is a yeah. Something that is\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: showing, you know, a good growth.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: But yeah.\n\nChannel 0: Yeah. Perfect. No. That's okay. What I can definitely look at for you to make it a bit easier if you like is obviously the cost side of things.\n\nSo we can look at how much you were paying for that manage fund and management fees and maybe look at something a bit more lower cost, which has\n\nChannel 1: Yes.\n\nChannel 0: provided a greater level of past return, but also maybe puts more diversification in there. So one of the things I like to look at as an adviser is with Benelon, they hold anywhere between 15 to 20 different investment options depending on what they're invested in. Whereas there's\n\nChannel 1: Okay.\n\nChannel 0: other investments out there that might hold a lot more of Australian equities or more investments within their funds, which can give you\n\nChannel 1: Mhmm.\n\nChannel 0: a greater diversification and might actually be a bit more low cost. Would you like me\n\nChannel 1: Yes.\n\nChannel 0: to sort of weigh up those options and see what sort of is preferable, how it looks, what puts you in a greater position down the track, and maybe make a recommendation on switching that investment out for you?\n\nChannel 1: Yes. I would like that. Thank you.\n\nChannel 0: Yeah? That's okay. Not a problem at all. It's always good to check. Not everyone sort of knows what they're after with investments, but it's always sort of good to check because some people have more of a preference than others.\n\nSo I do like\n\nChannel 1: Yeah.\n\nChannel 0: to kinda gauge how everyone's feeling. But I can have a look at all the different options for you, look at what's gonna work out better for you. We\n\nChannel 1: Yeah.\n\nChannel 0: do update the advice to reflect the changes, show you the cost, the outcomes, the projection side of things, so then you can\n\nChannel 1: Yep.\n\nChannel 0: decide whether you're happy to take that advice. Does that sound okay?\n\nChannel 1: Yes. That sounds great. Thank you.\n\nChannel 0: That's okay. That's not a problem at all. We just sort of had a really good look, and I'd like to double check what's happening with your funds there. And I sort of noted when Bennelong hasn't been performing, we are best to try and remove that now rather than down the track.\n\nChannel 1: Yes. That's\n\nChannel 0: Essentially,\n\nChannel 1: fine.\n\nChannel 0: while it has seen a little bit of a loss, we don't want that loss to compound further. So we don't want\n\nChannel 1: Yeah.\n\nChannel 0: you invested in anything that's been underperforming. Fantastic.\n\nChannel 1: Yep. Sounds good. Yep.\n\nChannel 0: Excellent. Now the other thing to sort of have a look at is the way you are invested. Now you are more of a growth sort of portfolio. And when we have a look at your time horizon, that portfolio does generally suit your time horizon pretty well. What a growth portfolio tends to see is about 80% of your future invested in growth assets.\n\nSo think of things like Australian shares, international shares, listed property, and also commodities like gold and silver.\n\nChannel 1: Yes.\n\nChannel 0: And then the other 20% in lower risk investments, things like cash, bonds, and fixed interest.\n\nChannel 1: Yep.\n\nChannel 0: Having a look at where your at time horizon was, now you're still very young. You've got a lot of time ahead of you here. So date of birth is '83.\n\nChannel 1: Yes.\n\nChannel 0: Just sort of looking forward at your goal around the time and aspect, and I know you've got a lot of time ahead of you before you reach that. But I But are you sort of hoping to be able to access super around about the age of 60 at the earliest possible, or are you sort of hoping or wanting to work a bit longer? What's your long term retirement goal look like?\n\nChannel 1: Yeah. Yeah. I think for me, because of the nature of my work, I could probably\n\nChannel 0: Yeah.\n\nChannel 1: continue doing it even in a part time capacity for\n\nChannel 0: Okay.\n\nChannel 1: as long as, you know, my my brain is functional.\n\nChannel 0: Yeah.\n\nChannel 1: So in terms of retirement, it would probably be like, I wouldn't take complete retirement at that age.\n\nChannel 0: Yeah.\n\nChannel 1: I'll probably continue to work part time, you know, into my sixties.\n\nChannel 0: Okay.\n\nChannel 1: And so yeah. So so I haven't you know? Yeah. I don't see, like, a a full retirement kind of until, yeah, quite a bit along.\n\nChannel 0: Yeah. No.\n\nChannel 1: Obviously,\n\nChannel 0: That's\n\nChannel 1: things\n\nChannel 0: perfect.\n\nChannel 1: contained. You\n\nChannel 0: Yep.\n\nChannel 1: you know? We don't know, but I'm sort of anticipating with all going well, my health and everything going well, and me being able to continue working. Yeah. So and, yeah, my husband's also got well, not my husband, not but we, as in our family, we you know, we've got properties, etcetera, because my husband runs his own\n\nChannel 0: Yeah.\n\nChannel 1: business. So he's\n\nChannel 0: Yes.\n\nChannel 1: we bought properties as an investment and sent for him because because he doesn't really have much in a super fund per se. Yeah.\n\nChannel 0: Yep. Right.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: That's okay. So with the Goldie investment properties, you've got two at the moment. You kinda mentioned that you weren't\n\nChannel 1: No.\n\nChannel 0: looking to buy any more in the short term at the moment, but is your goal to\n\nChannel 1: Yeah.\n\nChannel 0: have more properties down the track to sort of supplement super as income in retirement, or what's your goal with those at the moment?\n\nChannel 1: We might, yeah, we might look at that as well. Yeah. So maybe\n\nChannel 0: Yep.\n\nChannel 1: another property down the line, we may look at commercial property. Yeah. So yep.\n\nChannel 0: Yep. No. That's okay. That's perfect. It kinda gives me an idea of where we're tracking.\n\nSo, I mean, realistically, the way I sort of see things at the moment is you're wanting to build your super as much as possible because your super is the one that's gonna be relied on down the track, but then supplementing\n\nChannel 1: Yes.\n\nChannel 0: that by maybe working longer and part time if you can or if you're comfortable doing that when you hit the the sixties, but\n\nChannel 1: Yeah.\n\nChannel 0: also then long term, having that investment income coming from those properties to supplement what's coming out of your super to provide that longevity. Am I on the right track with that?\n\nChannel 1: Yeah. That's that's correct.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. That's fantastic. And do you know roughly so your husband doesn't work sorry. He's self employed. I do apologize.\n\nChannel 1: Mhmm.\n\nChannel 0: What does he do for work?\n\nChannel 1: A variety of things. His main\n\nChannel 0: Okay.\n\nChannel 1: his main job that he's doing at the moment is actually swimming pool renovations. So\n\nChannel 0: Oh, fantastic.\n\nChannel 1: yeah. So, basically, the you try and send clean, send repaint, send, you know, so he needs refiberglass, and he does all of that.\n\nChannel 0: Yep.\n\nChannel 1: Yep. So he does that. That's main sort of focus, but he's also\n\nChannel 0: Wow. Yeah.\n\nChannel 1: he does free diving and instructing as well. So he runs\n\nChannel 0: Wow.\n\nChannel 1: courses and trains people to how to free dive better and safely.\n\nChannel 0: That is fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: Wow.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Awesome.\n\nChannel 1: Yeah.\n\nChannel 0: And, I mean, coming into winter is sort of when everyone would wanna be getting that full renovated, get all the work done ready for, you know, summer coming back again. So\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: absolutely.\n\nChannel 1: Yeah. Yeah. So\n\nChannel 0: Perfect.\n\nChannel 1: he does\n\nChannel 0: No.\n\nChannel 1: that\n\nChannel 0: Excellent.\n\nChannel 1: yeah. He does that between so we're we're based in Perth, but\n\nChannel 0: Yep.\n\nChannel 1: he does he works between Perth and then he goes up into the Pilbara to Caratha, and he he works up there as well because it gets\n\nChannel 0: Wow.\n\nChannel 1: very wet in in Perth out of this time. So\n\nChannel 0: Yes.\n\nChannel 1: you can't really do a lot in terms of, you know, renovating swimming pool. But winter\n\nChannel 0: Yeah.\n\nChannel 1: in Karratha is, like, the\n\nChannel 0: Wow.\n\nChannel 1: perfect climate to\n\nChannel 0: Perfect\n\nChannel 1: do\n\nChannel 0: time.\n\nChannel 1: swimming pool. So, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: so\n\nChannel 0: Wow.\n\nChannel 1: that's how he sort of puts his time. And the same thing\n\nChannel 0: Yeah.\n\nChannel 1: with the with the free diving courses because the weather here and\n\nChannel 0: Yes.\n\nChannel 1: the water gets pretty cold down in Perth. So he goes up there and continues to teach and train up there. Yep.\n\nChannel 0: Yeah. Wow. That's incredible. And is it sort of gone for long periods of time, like a week or two at a time, or is it more just a few days\n\nChannel 1: Yeah.\n\nChannel 0: here and\n\nChannel 1: Yeah.\n\nChannel 0: there\n\nChannel 1: No.\n\nChannel 0: each\n\nChannel 1: He'll\n\nChannel 0: week?\n\nChannel 1: go he'll go for, like, three weeks most of the time, yeah, to get, you know,\n\nChannel 0: Yeah.\n\nChannel 1: to get\n\nChannel 0: Wow.\n\nChannel 1: the value of being up there because\n\nChannel 0: Yeah.\n\nChannel 1: he drives drives up and down. So yeah. Yeah.\n\nChannel 0: Wow. I mean, that's a pretty amazing skill set. I definitely can't free dive, and I think anyone who can hold their breath for that long is pretty\n\nChannel 1: Yeah.\n\nChannel 0: amazing.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Oh,\n\nChannel 1: No. That's\n\nChannel 0: wow.\n\nChannel 1: pretty good.\n\nChannel 0: Oh, fantastic. Excellent. Well, I do love that. So what I will sort of look at for the advice is just maybe splitting out that so removing the ban along and replacing it with\n\nChannel 1: Yes.\n\nChannel 0: something else. So look at the cost side of things.\n\nChannel 1: Yeah.\n\nChannel 0: One of the things I do wanna look at is the CDT consequences. So what your super fund, just like you do, does a tax return every year. So\n\nChannel 1: Yeah.\n\nChannel 0: when we do rebalance the portfolio or replace investments, your super fund does have to pay capital gains tax. So I will take that into account as part of the advice there for\n\nChannel 1: Okay.\n\nChannel 0: you.\n\nChannel 1: Sure.\n\nChannel 0: Depending on what we're rebalancing and how Benelong has has sort of performed, we might even be able to offset any CGT\n\nChannel 1: Some\n\nChannel 0: consequences\n\nChannel 1: of them are.\n\nChannel 0: inside super and really isn't to your advantage there. So that'll be\n\nChannel 1: Okay.\n\nChannel 0: a good thing to look at.\n\nChannel 1: Yes.\n\nChannel 0: I know when you came on board, the last few advice documents you probably received would have sort of sorta shown you right up until retirement. Because\n\nChannel 1: Mhmm.\n\nChannel 0: you are still so young, because there are a lot of things occurring and altering and changing in your life, this advice document will only project out the next five to ten years due to the amount of\n\nChannel 1: Yeah.\n\nChannel 0: things that can definitely change.\n\nChannel 1: So\n\nChannel 0: And then we'll just keep building on that for you to try and get as much into super as we possibly can and build that up to give you the, you know, the most the most out of your retirement years when you get to that point. How does that sound?\n\nChannel 1: yeah. Yeah. That sounds\n\nChannel 0: Fantastic.\n\nChannel 1: great.\n\nChannel 0: Fantastic. Now a few other questions here just to kinda gauge whether you're in the right portfolio or not. If you sort of have you ever looked at your super and found that it had fallen, Addison? I know we've all sort of bought the saw it fall fall, sorry. I do apologize.\n\nIn March, April this year with what was happening.\n\nChannel 1: Mhmm.\n\nChannel 0: But have you ever seen it fall very heavily, like, around about 10 or 20% in past?\n\nChannel 1: No. I I don't think so.\n\nChannel 0: No. That's okay. If you did happen to see your super four pretty heavily, the fact that you can't access it now, you've got quite a bit of time ahead of you. Do you think seeing dips like that in your would concern or are you sort of not overly concerned because you can't access soup and now you've got a bit of time ahead of you? How do you think you might be feeling?\n\nChannel 1: Yeah. I mean, I think I'm I'm pretty confident that, you know, it will just continue to grow.\n\nChannel 0: Yeah.\n\nChannel 1: And so even yes. If there are, like, those kinds of debts, overall, you know, if you look at the, you know, the the long I've been having earning super and whatnot,\n\nChannel 0: Yeah.\n\nChannel 1: the the growth has has been steady and it's it has been\n\nChannel 0: Yep.\n\nChannel 1: you know, so even when there's been those debts sort of corrected and then, yeah, continued. So\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: understand that, you know, more kind of macroeconomic\n\nChannel 0: Yep.\n\nChannel 1: things can impact on it, which is obviously\n\nChannel 0: Absolutely.\n\nChannel 1: not within anyone's control. But for the\n\nChannel 0: Yeah.\n\nChannel 1: most part, like, if things continue to be relatively stable, then, yeah, I'm I'm not concerned that by the time I retire, I'm pretty\n\nChannel 0: Yep.\n\nChannel 1: sure\n\nChannel 0: Yep.\n\nChannel 1: there'll be plenty.\n\nChannel 0: Perf\n\nChannel 1: Yeah.\n\nChannel 0: perfect. All good. And do you feel like you'd be comfortable now taking on more risk in the market to try and obtain those greater potential returns, or do you feel like you'd be feeling a bit more conservative because of the ups and downs the market has been seeing? How do you think you might sort of fit in there?\n\nChannel 1: Yeah. I think I'm I'm I'm happy to keep things as they are. So probably\n\nChannel 0: Yep.\n\nChannel 1: yeah. Just given yeah. Some of\n\nChannel 0: Yep.\n\nChannel 1: the the things going on in the world at the moment, I'll probably,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, just continue to be a bit more conservative. Yeah.\n\nChannel 0: Yeah. Absolutely. Well, with the growth sort of area and the growth portfolio that you're in, when you sort of assess risk out of, say, a number between one and five, you're kind of in that sort of three to 4%. So you're not really in the highest risk category. You're not putting\n\nChannel 1: Yes.\n\nChannel 0: all of your investments in those high growth kind of assets,\n\nChannel 1: Yes.\n\nChannel 0: but you're also not very conservative on the lower end. You're kind\n\nChannel 1: Yeah.\n\nChannel 0: of in the middle there.\n\nChannel 1: In the\n\nChannel 0: So\n\nChannel 1: middle.\n\nChannel 0: with that\n\nChannel 1: Yeah.\n\nChannel 0: eighty twenty\n\nChannel 1: Yeah.\n\nChannel 0: split yeah.\n\nChannel 1: Yeah.\n\nChannel 0: And, realistically, this sort of portfolio does sort of sit with your time horizon. It generally suits someone who has about six years before they're wanting to access their super. As\n\nChannel 1: Yes.\n\nChannel 0: I mentioned, you have the eighty twenty kind of split between gross defensive assets. And\n\nChannel 1: Yes.\n\nChannel 0: the average return we're looking to try and achieve over the longer term from this one is about seven to 9% on a yearly basis. So looking\n\nChannel 1: Yes.\n\nChannel 0: at how your super this year has performed, net of fees, you've actually performed and returned 8.28 percent. So\n\nChannel 1: Mhmm.\n\nChannel 0: it is definitely in that range. You're kind of on track with what what we're kind of aiming for with this portfolio. And to come\n\nChannel 1: Yes.\n\nChannel 0: out even with what's been happening this year and with Ben along, having a bit of a downtime and not performing the way we wanted to to come up with an 8% return net of fees. There's still a good\n\nChannel 1: Yes.\n\nChannel 0: positive result. So very happy with that for the year. Yeah.\n\nChannel 1: Yes.\n\nChannel 0: Fantastic. So I definitely wanna keep you in that growth kind of environment a bit longer. If you ever find the day that you are a bit nervous about what's happening or just had some questions around the investments or anything that you are hearing, please do give us a call. We are here to help you along and definitely provide information and guide you through those times. But I'm very positive and very happy with how your super performed for the year.\n\nSo we'll, you know,\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: try to keep it on track, and I'll just make some alterations of those investments, and I'll come back with an advice document that shows you what I'm outlining recommendation wise. Okay?\n\nChannel 1: Yeah. Yeah. Sounds good.\n\nChannel 0: Beautiful. Now the other thing is you do also have insurances inside your super fund there as well, paid out of super at the moment. So you've got your life and TBD with ClearView. The current sum insured for those is about 861,842. In\n\nChannel 1: Mhmm.\n\nChannel 0: the event of a life event, so if you were to pass away prematurely, your super is paid out as well as your life cover. So, realistically, you've got that extra $113,009.53 on top of the $8.61. When we sort\n\nChannel 1: Yes.\n\nChannel 0: of have a look at your assets there, having a look. So with the loans, just to confirm, and let me know if there's any changes here, but your main primary residence there, I have it down here that you're owing about 540,000. Is that fairly accurate, or would that change?\n\nChannel 1: Let me just have a quick look.\n\nChannel 0: That's okay.\n\nChannel 1: I'll just jump on to my home loans.\n\nChannel 0: Yep.\n\nChannel 1: Okay. So sorry. Say that again. The\n\nChannel 0: I had a loan of 540,000.\n\nChannel 1: for the Woodvale property?\n\nChannel 0: That's Timberlane.\n\nChannel 1: Yeah. No. So that is we are about 400,000 on that one.\n\nChannel 0: Oh, fantastic. That's a really good joke. Excellent.\n\nChannel 1: It's yeah. It's it's not really. We just shuffle things around.\n\nChannel 0: Alright. I've also got the investment property for Estuary, and that one there had a loan of 560,000.\n\nChannel 1: Yeah. So that's that one's it's gone up. So we've we've put money we've taken money out of our investment properties to put into the house, into our\n\nChannel 0: Yep.\n\nChannel 1: own occupied because we don't make any money on that.\n\nChannel 0: Absolutely.\n\nChannel 1: So the Heathridge, the entry one is 660.\n\nChannel 0: $6.60. Beautiful. And then\n\nChannel 1: Yep.\n\nChannel 0: the other one I had here is a Carasa, and it was $518,005.30.\n\nChannel 1: Yeah. That's I mean, yeah. It's $5.13 now. So, yep, that's pretty accurate. Yeah.\n\nSo yeah. So\n\nChannel 0: Then heck. Excellent. So looking at the way and\n\nChannel 1: mhmm.\n\nChannel 0: what you wanted your life cover to pay out, so with your goal with your life insurance, if you\n\nChannel 1: Yeah.\n\nChannel 0: were to pass away prematurely, are you wanting to just have your main primary residence covered and then, you know, allow your partner to sell the investment properties or keep them depending on what he chooses, or are you kinda wanting\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: to cover all the loans? What would your goal be with?\n\nChannel 1: Yeah. No. We wouldn't wanna cover all the lines. Yeah. Just\n\nChannel 0: No.\n\nChannel 1: the primary. Mhmm.\n\nChannel 0: Yep. That's okay. So with the current cover you have at the moment, that would obviously pay off the main primary residence there to cover the 400,000 owing. And then, you know, you would have that extra buffer which he could either put on the loans or use to take some time off to allow, you know, bereavement, work out what he wants to do, you\n\nChannel 1: Yes.\n\nChannel 0: know, get whether he\n\nChannel 1: Yes.\n\nChannel 0: wants to, you know, not work for a couple of years, take care of the kids, consider, you know, childcare aspects. So are you fairly comfortable with the life sorry, life cover that\n\nChannel 1: Yeah.\n\nChannel 0: you have at the moment?\n\nChannel 1: Yes.\n\nChannel 0: Yep.\n\nChannel 1: Yes. I think that's adequate.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now with TBD, total permanent disability is paid out in the event that you're never able to go back to work again. So with TBD,\n\nChannel 1: Yes.\n\nChannel 0: I just like to clarify because not everyone is aware. Unfortunately, it is also a taxable payment. So if you were to claim\n\nChannel 1: Yes.\n\nChannel 0: TBD, you can pay tax of up to 22% depending on how you\n\nChannel 1: Okay.\n\nChannel 0: take the funds. We, as advisers, if you ever had to claim TBD, would help you to claim it, but then we would also provide advice on how best to structure those payments so that you could limit the amount\n\nChannel 1: Minimize\n\nChannel 0: of tax that you\n\nChannel 1: tax.\n\nChannel 0: would have\n\nChannel 1: Yeah.\n\nChannel 0: to pay. Yeah.\n\nChannel 1: So yeah.\n\nChannel 0: But you do have the same amount of TBD as you do, like,\n\nChannel 1: Okay.\n\nChannel 0: $861,008.40\n\nChannel 1: Yeah.\n\nChannel 0: 2, which realistically would pay off the main primary residence there,\n\nChannel 1: Yeah.\n\nChannel 0: Could also then be used to pay down some of the additional debts, you know, on the other properties if you wanted\n\nChannel 1: Yep.\n\nChannel 0: to, or the additional could be drawn down as income to sort of support, you know, support you for a bit longer,\n\nChannel 1: Yes.\n\nChannel 0: allow for, you know, changes to vehicles or modifications to the home or, you\n\nChannel 1: Yeah.\n\nChannel 0: know, recreational recovery, whatever\n\nChannel 1: Yes.\n\nChannel 0: was sort of needed there. But do you are you comfortable with the level of cover you have with CBD? Did you wanna kinda review that at all?\n\nChannel 1: No. I think that's fine.\n\nChannel 0: That's okay. Beautiful. And then with the income protection benefit there as well and I do apologize. My computer had a little bit of a moment. I had your income as a 140,000.\n\nDid you tell me\n\nChannel 1: Yep.\n\nChannel 0: before that you wanted to increase or alter, or is that still the same? I'm so sorry.\n\nChannel 1: No. No. That's that's what it is. Yeah. Yeah.\n\nChannel 0: That right.\n\nChannel 1: It's set\n\nChannel 0: Yes.\n\nChannel 1: up there.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: So having a look at that at the moment, with income protection, you can be covered for up to 70% of your income in the event that you're unable to work in the short term. With the income protection benefit you have, you have a benefit amount of $6,008.38. It's a pretax amount and a monthly benefit. So that's how much you could claim pretax if you are off work.\n\nChannel 1: Okay.\n\nChannel 0: 70% of your current income would mean we'd need to increase that benefit to about 8,001\n\nChannel 1: Okay.\n\nChannel 0: 166 per month. So you are a little bit underinsured at the moment. However, in the event of, say, claiming on income protection, would the benefit you're covered for the $6.08 $3.08 plus maybe your husband's income, plus any income from the investment properties or anywhere else that you're able to generate funds from, would all that be sufficient, or would you need to maybe look at increasing that income protection benefit?\n\nChannel 1: What would the cost be of increasing the benefit?\n\nChannel 0: I'd have to do a bit of a quote for you and see.\n\nChannel 1: Okay.\n\nChannel 0: If you like, I can generate a quote and send it through\n\nChannel 1: Yeah.\n\nChannel 0: just to give you a bit of a guide. It's not an exact because\n\nChannel 1: Yeah.\n\nChannel 0: it depends on factors there. But I\n\nChannel 1: Sure.\n\nChannel 0: could get a bit of a quote and email it through so you can see what the estimated increase might look like and sort of work\n\nChannel 1: Yeah.\n\nChannel 0: out if you need to increase. Yeah.\n\nChannel 1: Yeah. If you can do that, that would be great.\n\nChannel 0: Yep.\n\nChannel 1: Thank you.\n\nChannel 0: Absolutely. Not a problem at all. With your income protection, you've also got a ninety day waiting period. So you just have to be off work for ninety days prior to making a claim.\n\nChannel 1: Okay.\n\nChannel 0: We suggest that as soon as you're off work and not able to go back for a period of time, you think you're gonna be off that time frame, to give us a call, let us know. We can at least let the insurer know that, you know, there is a possible claim coming, and then they can work out, you know, the ninety\n\nChannel 1: Yes.\n\nChannel 0: day starting point and just makes it a bit easier and more streamlined there for you.\n\nChannel 1: Okay.\n\nChannel 0: And you do have a five year benefit period, so it does mean you can be on a claim for up to five years. After\n\nChannel 1: Okay.\n\nChannel 0: that five years, the claim does stop regardless of whether you can work or not, but I do like a five year benefit period. It means that you're you know, most claims are completed within that sort of one to two years. However,\n\nChannel 1: Yes.\n\nChannel 0: there are instances where maybe you need to be on a partial claim for a little bit longer, so having that five year benefit period can provide a bit of a buffer there.\n\nChannel 1: Yep.\n\nChannel 0: Are you sort of happy with the waiting and benefit periods of those at the moment? Or\n\nChannel 1: Yeah. That's fine. Yep.\n\nChannel 0: yes. Beautiful. Do you have any questions about the insurances, how they're structured, or what you can claim, or anything?\n\nChannel 1: No. No. I don't.\n\nChannel 0: No. That's okay. Beautiful. And it looks like you don't have any additional insurances that can be held outside sleep. But I'm having a bit of a look here.\n\nI can see that you've got three kids, three dependents at home as well. Is that right?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. What ages are they?\n\nChannel 1: 17, 15, and 13.\n\nChannel 0: Wow. All teenagers.\n\nChannel 1: Yeah. My daughter my youngest just turned 13 on Sunday.\n\nChannel 0: Wow. That's exciting. So there are additional insurances outside of Life TBD income protection that you could always look to apply for. We have other insurances like trauma, which pays out a lump sum tax free benefit in the event that you're diagnosed with, say, Parkinson's, have a heart attack, or a stroke, cancer is probably the biggest one. We can also apply for and obtain, like, child trauma policies, which in the event that your child is diagnosed with, like, a traumatic condition, can also pay out a lump sum tax free benefit there.\n\nThose are the types of insurances you can't hold inside. So if they are an external cost added to your back pocket, did you wanna look at an additional cover, or you're just happy with the covers that you have at the moment?\n\nChannel 1: I think I'm happy with what I have now. Thank\n\nChannel 0: Happy?\n\nChannel 1: you.\n\nChannel 0: That's okay. If you ever wanna have more of a conversation or find out more about these other types of insurances, please let me know. Just\n\nChannel 1: Okay.\n\nChannel 0: making sure that you've got all the information there and that you can make an informed decision. Easy.\n\nChannel 1: So\n\nChannel 0: Fantastic. I mean, realistically, when you think of all the insurances you can have, you can basically insure everything to the health care. This is the out of pocket expense for doing that.\n\nChannel 1: Yeah. Yeah. That's right. Yeah. Yeah.\n\nChannel 0: Beautiful. Beautiful. And now so just having a look with your expenditure, are you finding are you guys finding that you are able to save a little bit at the moment? I think last year when we caught up and did the annual review, we're managing to save or put away about a thousand dollars per week. Are you still finding that, or is it a little bit tougher with everything expenses?\n\nChannel 1: Yeah. I don't know. It's hard to say.\n\nChannel 0: Yeah.\n\nChannel 1: Again, I'm just having a look. Because my yeah. I've spent averaging it out. Yes. Because my husband runs his own business, obviously, his income's to a.\n\nChannel 0: Yeah.\n\nChannel 1: Mhmm. And so it can be dependent on, you know, his his earning.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: But I would say yeah. I mean, we're probably not saving as much\n\nChannel 0: Yeah.\n\nChannel 1: as we would like to. But then again, we are also well, when I say we're so we're saving, but we're putting money into the granny flat. So anything that\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: we save within, you know, our our spending\n\nChannel 0: Yeah.\n\nChannel 1: on that. So\n\nChannel 0: Yep.\n\nChannel 1: so I'd say, yeah, we'd we'd probably yeah, let let's say 500 a week. It's\n\nChannel 0: Okay.\n\nChannel 1: probably about half of what we were. Yeah.\n\nChannel 0: Yeah. That's okay. And what's the estimated time frame for having the granny flat completed? Have you given yourselves a bit of a deadline at all? Or\n\nChannel 1: Yeah. I mean, not in a super huge rush because at the moment, my my in laws are actually just staying in our caravan.\n\nChannel 0: Okay.\n\nChannel 1: So we've got a we've got a fully self contained caravan with a kitchen and a toilet and bathroom and all of that kind of thing.\n\nChannel 0: Wow.\n\nChannel 1: So yeah. That because, I mean, they can still come in and you know, they come into the main house, and they can use the\n\nChannel 0: Yeah.\n\nChannel 1: the toilet and bathroom and whatnot. But yeah. So they're kind of quite self sufficient in in that\n\nChannel 0: Yes.\n\nChannel 1: space. So we're not in a huge rush. So it's it's a case of when we have the money. You know?\n\nChannel 0: Yeah.\n\nChannel 1: So being able to because, like, certain things will cost. You know? We only, like, a lump sum of of an amount. So once we,\n\nChannel 0: Yeah.\n\nChannel 1: you know, get that, then we can pay. You know? So but\n\nChannel 0: Yep.\n\nChannel 1: at the moment, it's very much in the beginning phase with so the architects have submitted the plans to the council. So we've probably got about a ten week wait for approval, if they're happy with everything. And, you know,\n\nChannel 0: Okay.\n\nChannel 1: so it's really yeah. We don't ideally, if we could have it done by the end of the year, that would be, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: that would be ideal.\n\nChannel 0: Yeah. No.\n\nChannel 1: But, yeah, we're not sort sort of, like, super stressed about it. But yeah.\n\nChannel 0: No. That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: That's fantastic. We'll cross our fingers. Everything goes to plan and that you do\n\nChannel 1: Yeah.\n\nChannel 0: have all of that done by the end of the year. That'd be fantastic.\n\nChannel 1: Yeah. Yeah. That would be.\n\nChannel 0: Excellent. Excellent. And just for the caravan, I have it noted here estimated value last year was about 55,000. Would you alter or change\n\nChannel 1: Mhmm.\n\nChannel 0: that value or keep it about the same?\n\nChannel 1: Oh, gosh. I'm more like this a depreciating asset, so you should probably drop it maybe. I wouldn't obviously, with the financials, our accountant does everything because all of that stuff is kind of linked to my husband's business. So they would've she would've appreciated the caravan, I'm sure.\n\nChannel 0: Yes. What value would it be to you if you if you had to sell the caravan or if you wanted to sell\n\nChannel 1: Oh\n\nChannel 0: the caravan?\n\nChannel 1: gosh.\n\nChannel 0: What would you want for it? What value is it more to you?\n\nChannel 1: Yeah. I suppose if we could get about 50 for it, that would be great.\n\nChannel 0: Yes. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic.\n\nChannel 1: But yeah.\n\nChannel 0: I've\n\nChannel 1: That's\n\nChannel 0: was\n\nChannel 1: great.\n\nChannel 0: that's okay. I've also got cars on here. I believe it's\n\nChannel 1: Yep.\n\nChannel 0: probably two. It just says cars, plural. Just double checking, asset value combined is about 30,000. Would you keep the cars roughly the same, or what value are they to you?\n\nChannel 1: Yeah. It's fine. Maybe, like, a 25 because I think\n\nChannel 0: 20\n\nChannel 1: yeah.\n\nChannel 0: 5.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. The service\n\nChannel 0: Beautiful.\n\nChannel 1: depreciation. Yep.\n\nChannel 0: Yeah. That's okay. And I\n\nChannel 1: Yep.\n\nChannel 0: also had a note here that you've got a boat, roughly estimated value of about 15,000.\n\nChannel 1: Yep. Yes.\n\nChannel 0: Yep. Beautiful. And then you also did have about\n\nChannel 1: Yes.\n\nChannel 0: 30\n\nChannel 1: Yep.\n\nChannel 0: 5,000 in savings last year. This was being used for the investment property. Is that kind of being used for the granny flat, or do you still have that money in an offset?\n\nChannel 1: No. We put that all back into, yeah, the the it was meant to be put into an offset, and when they set up the new lines, they didn't quite do it the way we wanted to. So, yeah, unfortunately,\n\nChannel 0: Oh,\n\nChannel 1: that's gone\n\nChannel 0: no.\n\nChannel 1: all all in back into the the home. But anyway so we've we've got we've got an offset facility\n\nChannel 0: Yeah.\n\nChannel 1: that we then just you know, all the extra money goes into that.\n\nChannel 0: Yep.\n\nChannel 1: And then that's what we if we need to and it's a redraw account. So if we need to draw out of it,\n\nChannel 0: Yep.\n\nChannel 1: we can. And that's\n\nChannel 0: Yes.\n\nChannel 1: where we're putting an extra and then we pull out of that for the granny flat. So that's how what\n\nChannel 0: Fantastic.\n\nChannel 1: we're confusing it.\n\nChannel 0: Excellent.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. And then with the the property, just so double checking the values on those, the Karratha property, we had it noted about 750,000. Do you think that might\n\nChannel 1: Yep.\n\nChannel 0: have increased in value a little bit since we spoke last year in November?\n\nChannel 1: No. That's pretty pretty consistent. Yeah.\n\nChannel 0: On point.\n\nChannel 1: Caracas.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. I've also got here, so the Estuary property about 800,000 in value. Would you increase that one a little\n\nChannel 1: Mhmm.\n\nChannel 0: bit\n\nChannel 1: Yes.\n\nChannel 0: or a\n\nChannel 1: That's\n\nChannel 0: lot?\n\nChannel 1: gone up. I'd say that's probably about $9,900 now.\n\nChannel 0: Yep. Fantastic. Excellent. And then your main primary residence in Timberlane,\n\nChannel 1: Yep.\n\nChannel 0: 1.1\n\nChannel 1: Mhmm.\n\nChannel 0: million I had on here for you.\n\nChannel 1: Yeah. That could probably go up to 1 I would say $1.02. So maybe another 100,000. Yep.\n\nChannel 0: Yep. Fantastic. Excellent. Well,\n\nChannel 1: Yeah.\n\nChannel 0: thank you\n\nChannel 1: The\n\nChannel 0: so\n\nChannel 1: WA\n\nChannel 0: much for updating\n\nChannel 1: property\n\nChannel 0: all\n\nChannel 1: market's\n\nChannel 0: those.\n\nChannel 1: doing well.\n\nChannel 0: That's good.\n\nChannel 1: Yeah.\n\nChannel 0: That's fantastic. I mean, having in recent months, the property markets have been, you know, going up in some areas, not so much in others. And I see the Melbourne's had a little bit of a decrease, so\n\nChannel 1: Yeah.\n\nChannel 0: it's good to see WA\n\nChannel 1: Yeah.\n\nChannel 0: is being increasing for you guys. Yeah.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Excellent. Now the last thing to sort of touch base on is the estate planning side of things.\n\nChannel 1: Yes.\n\nChannel 0: I do have it noted that you didn't have a will or power of attorney last year when we did the annual review.\n\nChannel 1: Yep.\n\nChannel 0: Have you guys talked about doing up a will, power of attorney,\n\nChannel 1: Yes.\n\nChannel 0: things like that?\n\nChannel 1: So we've\n\nChannel 0: Yep.\n\nChannel 1: we've now yeah. We actually did that. Yeah. Because that was one of the things that we're\n\nChannel 0: Fantastic.\n\nChannel 1: like, oh, we need to get our wheels done. So we've done well.\n\nChannel 0: Yep.\n\nChannel 1: I can't remember, it was a little while ago now, if if the power of attorney was part of that or not. Yeah. But we we've definitely done the will. Yes.\n\nChannel 0: Yep. Yep.\n\nChannel 1: So that's\n\nChannel 0: No. That's\n\nChannel 1: seems\n\nChannel 0: okay.\n\nChannel 1: to have yeah.\n\nChannel 0: Fantastic. Excellent.\n\nChannel 1: Yeah.\n\nChannel 0: And with your beneficiary nominations on your life insurance and your super, I have\n\nChannel 1: Yep.\n\nChannel 0: it noted down here as Darren's spouse a 100% to receive the benefit. That's exactly how you want those to be nominated.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Fantastic. Excellent. Just making sure everything is up to date there. I'm glad you've done your well.\n\nIt's one of those things we always kinda put them off and then we discover we really need to do them. So I'm glad they're all\n\nChannel 1: Yes.\n\nChannel 0: done. Absolutely.\n\nChannel 1: Yes.\n\nChannel 0: Fantastic. Well, just to kinda recap, what I'll do is I'll do up do some research for you. It does take a few weeks to kind of reevaluate all the investments and do up an advice document for you. So once we have got that ready to go, I'll come back, book you back in, and we'll go through the advice together. I'll also do up a bit of an increased quote for your income protection\n\nChannel 1: Yeah.\n\nChannel 0: just to\n\nChannel 1: Yes.\n\nChannel 0: sort of send through so you can review what that might look like to increase that. I'll also add any notes down around any exclusions\n\nChannel 1: Yeah.\n\nChannel 0: or loadings that you might have applied or expected with regards to that to gonna give you an overview on whether you wanted to increase that insurances. If you have any questions in relation to any of those days, you're welcome to come back and let me know at any point in time. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Is there any other medium term goals or any other goals that you might have down the track that you're sort of looking to achieve or nothing at the moment? Or\n\nChannel 1: Yeah. No. That's everything. Yeah.\n\nChannel 0: no. No. That's okay. I'll pop down here, finish the Granny Flat, possibly add additional properties down the track there. You've also got here commercial properties that you might wanna invest in down the track there as well.\n\nChannel 1: Yep.\n\nChannel 0: Does that sound\n\nChannel 1: Yep.\n\nChannel 0: about right? Yep.\n\nChannel 1: Yes. That does. Yep.\n\nChannel 0: Oh, fantastic. Is there anything else that you might want me to touch on or anything I may have missed or anything else of importance or any other questions that you might have at all?\n\nChannel 1: No. I think that's covered\n\nChannel 0: No?\n\nChannel 1: everything. Thank you.\n\nChannel 0: Fantastic. Not a problem. But I will I will get cracking on that research there for you. I thank you so much for your time. Attached to any review pack is all those documents I went through.\n\nSo your internal rate of return, your summary there. We've also got the financial services guide attached for you, which outlines everything about who we are, what we do, and how we\n\nChannel 1: Yep.\n\nChannel 0: do it. We do also have attached there for you your ongoing service agreement. So out of your super, you do pay us an ongoing service fee for looking at your super monitoring, maintaining it, and also updating and providing advice to keep you on track towards meeting your retirement goals there. Our ongoing service fee is 1.65% per annum. That is currently capped at 600,000, and it's deducted in smaller monthly increments.\n\nSo the idea is that as a percentage based fee, it fluctuates with the market. So when the market\n\nChannel 1: Yes.\n\nChannel 0: is doing really well, our fee is a little bit higher. However, when we see dips like we saw in March and April this year, it means that our fee takes a bit of a dip there with it as well. So it is dependent on what's happening with your super to how much we make, and which is really important because we wanna make sure we're putting your needs above that of our own. That includes our fees. So\n\nChannel 1: Yes.\n\nChannel 0: it's good to see the 8% return, and that return is after fees. It's a net return, and that's after our ongoing service fee has been deducted as well. So\n\nChannel 1: Yes.\n\nChannel 0: it's really, really important that we kinda clarify those for you. If you are happy with our services, wanna remain on board for a bit longer as a client, I'll get you to sign and return that one back there for me.\n\nChannel 1: Yes.\n\nChannel 0: Feel free\n\nChannel 1: Yes.\n\nChannel 0: to take some time to read those documents. And if you do find you have any questions in relation to any of them, you're welcome to let me know. Okay?\n\nChannel 1: Okay. Alright.\n\nChannel 0: Excellent. Is there anything else that you might want me to sort of research or just to sort of go through while I'm sending you an email so I could any other questions that you might might have popped up in the last few minutes?\n\nChannel 1: No. No. I have everything. Thank you.\n\nChannel 0: No. My pleasure, Jay. Look. Thank you so much for taking my call. I hope you have a lovely day.\n\nI hope you have a great\n\nChannel 1: Thanks.\n\nChannel 0: weekend coming up. I know it's only Tuesday, but the weekend will be here before we know it.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: I love it, and I'll get a crack in that research there. If there's anything that comes up, you're welcome to let me know at any point. Okay?\n\nChannel 1: Okay. Alright. Thank you, Dana.\n\nChannel 0: Thanks. My pleasure. Enjoy your day. Thank you for your time. See you\n\nChannel 1: Okay.\n\nChannel 0: later.\n\nChannel 1: Okay. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hey, Sam.","start":0.48,"end":1.22,"sentiment":"neutral","sentiment_score":0.07063917070627213}],"sentiment":"neutral","sentiment_score":0.07063917070627213,"channel":0,"num_words":2,"start":0.48,"end":1.22},{"sentences":[{"text":"Hey, Dana.","start":2.08,"end":2.8,"sentiment":"neutral","sentiment_score":0.12758927047252655},{"text":"How are you?","start":2.8,"end":3.62,"sentiment":"neutral","sentiment_score":0.17589695751667023}],"sentiment":"neutral","sentiment_score":0.15657388269901276,"channel":1,"num_words":5,"start":2.08,"end":3.62},{"sentences":[{"text":"I'm good.","start":3.52,"end":4.08,"sentiment":"positive","sentiment_score":0.39135780930519104},{"text":"How are you?","start":4.08,"end":4.98,"sentiment":"neutral","sentiment_score":0.2570779323577881}],"sentiment":"neutral","sentiment_score":0.31078988313674927,"channel":0,"num_words":5,"start":3.52,"end":4.98},{"sentences":[{"text":"Yeah.","start":5.3599997,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.30671530961990356},{"text":"Really good.","start":5.7599998,"end":6.3199997,"sentiment":"positive","sentiment_score":0.5584197640419006},{"text":"I've got Jade on the phone.","start":6.3199997,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.27220774441957474},{"text":"She just called back for her annual review.","start":7.9199996,"end":10.42,"sentiment":"neutral","sentiment_score":0.22675207629799843}],"sentiment":"neutral","sentiment_score":0.2865187008591259,"channel":1,"num_words":17,"start":5.3599997,"end":10.42},{"sentences":[{"text":"Oh, perfect.","start":10.88,"end":11.7,"sentiment":"positive","sentiment_score":0.5903773009777069},{"text":"Awesome.","start":11.759999,"end":12.16,"sentiment":"positive","sentiment_score":0.6601184606552124},{"text":"Thank you so much.","start":12.16,"end":12.799999,"sentiment":"positive","sentiment_score":0.6852325648069382},{"text":"Because we had the phone ring once.","start":12.799999,"end":14.08,"sentiment":"neutral","sentiment_score":0.11402832397392818},{"text":"I was like, I wonder if you picked it up.","start":14.08,"end":15.675,"sentiment":"neutral","sentiment_score":0.05301099680364132}],"sentiment":"neutral","sentiment_score":0.2462546482371787,"channel":0,"num_words":24,"start":10.88,"end":15.675},{"sentences":[{"text":"If not, I was gonna try and give her a callback.","start":15.675,"end":17.535,"sentiment":"neutral","sentiment_score":0.05856351385062391}],"sentiment":"neutral","sentiment_score":0.05856351385062391,"channel":0,"num_words":11,"start":15.675,"end":17.535},{"sentences":[{"text":"Yeah.","start":17.135,"end":17.535,"sentiment":"neutral","sentiment_score":0.05957426130771637},{"text":"I picked it up, and I was like, oh, yep, Jay.","start":17.535,"end":19.855,"sentiment":"neutral","sentiment_score":0.08559463748877699},{"text":"That's Dana.","start":19.855,"end":20.575,"sentiment":"neutral","sentiment_score":0.13411935791373253},{"text":"So it was sort of fitting that I picked it up because it was your client.","start":20.575,"end":23.875,"sentiment":"neutral","sentiment_score":0.16656606271862984}],"sentiment":"neutral","sentiment_score":0.13114703310032685,"channel":1,"num_words":30,"start":17.135,"end":23.875},{"sentences":[{"text":"Easy done.","start":25.195,"end":26.255001,"sentiment":"positive","sentiment_score":0.3563892990350723},{"text":"Perfect.","start":26.395,"end":26.895,"sentiment":"positive","sentiment_score":0.3958816528320313},{"text":"How is she?","start":27.195,"end":27.915,"sentiment":"neutral","sentiment_score":0.21311882138252258},{"text":"She's all good.","start":27.915,"end":28.895,"sentiment":"positive","sentiment_score":0.33787129322687787}],"sentiment":"neutral","sentiment_score":0.3068478438589308,"channel":0,"num_words":9,"start":25.195,"end":28.895},{"sentences":[{"text":"Yep.","start":29.199999,"end":29.52,"sentiment":"neutral","sentiment_score":0.11701424419879912},{"text":"No.","start":29.52,"end":29.68,"sentiment":"neutral","sentiment_score":0.07494983077049255},{"text":"She's really good.","start":29.68,"end":30.48,"sentiment":"neutral","sentiment_score":0.19442909955978394},{"text":"She's got a New Zealand accent, I think.","start":30.48,"end":32.32,"sentiment":"neutral","sentiment_score":0.12475185003131628},{"text":"So yep.","start":32.32,"end":32.72,"sentiment":"neutral","sentiment_score":0.06035284698009491}],"sentiment":"neutral","sentiment_score":0.12626479119062423,"channel":1,"num_words":15,"start":29.199999,"end":32.72},{"sentences":[{"text":"No.","start":32.72,"end":32.879997,"sentiment":"neutral","sentiment_score":0.014817212708294392},{"text":"She's","start":32.879997,"end":33.12,"sentiment":"neutral","sentiment_score":0.026598289608955383}],"sentiment":"neutral","sentiment_score":0.020707751158624887,"channel":1,"num_words":2,"start":32.72,"end":33.12},{"sentences":[{"text":"Yes.","start":33.02,"end":33.260002,"sentiment":"neutral","sentiment_score":0.043179139494895935}],"sentiment":"neutral","sentiment_score":0.043179139494895935,"channel":0,"num_words":1,"start":33.02,"end":33.260002},{"sentences":[{"text":"all","start":33.12,"end":33.28,"sentiment":"neutral","sentiment_score":0.03769737482070923}],"sentiment":"neutral","sentiment_score":0.03769737482070923,"channel":1,"num_words":1,"start":33.12,"end":33.28},{"sentences":[{"text":"She","start":33.260002,"end":33.5,"sentiment":"neutral","sentiment_score":0.13697409629821777}],"sentiment":"neutral","sentiment_score":0.13697409629821777,"channel":0,"num_words":1,"start":33.260002,"end":33.5},{"sentences":[{"text":"good.","start":33.28,"end":33.52,"sentiment":"neutral","sentiment_score":0.22892847657203672}],"sentiment":"neutral","sentiment_score":0.22892847657203672,"channel":1,"num_words":1,"start":33.28,"end":33.52},{"sentences":[{"text":"does.","start":33.5,"end":34.0,"sentiment":"neutral","sentiment_score":0.1813049167394638}],"sentiment":"neutral","sentiment_score":0.1813049167394638,"channel":0,"num_words":1,"start":33.5,"end":34.0},{"sentences":[{"text":"She had time to complete the call.","start":33.52,"end":35.04,"sentiment":"neutral","sentiment_score":0.20664398797920772},{"text":"So, yep, she's ready for you when you're ready.","start":35.04,"end":37.62,"sentiment":"neutral","sentiment_score":0.21307304998238882}],"sentiment":"neutral","sentiment_score":0.21026033535599709,"channel":1,"num_words":16,"start":33.52,"end":37.62},{"sentences":[{"text":"Fantastic.","start":38.06,"end":38.56,"sentiment":"positive","sentiment_score":0.5437685251235962},{"text":"You can send her through whenever you're ready.","start":38.7,"end":40.54,"sentiment":"positive","sentiment_score":0.3341105207800865},{"text":"Beautiful.","start":40.54,"end":41.04,"sentiment":"positive","sentiment_score":0.3395870327949524}],"sentiment":"positive","sentiment_score":0.3556239724159241,"channel":0,"num_words":10,"start":38.06,"end":41.04},{"sentences":[{"text":"Alright.","start":40.895,"end":41.375,"sentiment":"neutral","sentiment_score":0.2253669500350952},{"text":"Perfect.","start":41.375,"end":41.855,"sentiment":"neutral","sentiment_score":0.2433479130268097},{"text":"In 321, you have Jade.","start":41.855,"end":44.195,"sentiment":"neutral","sentiment_score":0.09799170047044754}],"sentiment":"neutral","sentiment_score":0.1369533379163061,"channel":1,"num_words":7,"start":40.895,"end":44.195},{"sentences":[{"text":"Oh, hi, Jade.","start":45.415,"end":46.135002,"sentiment":"neutral","sentiment_score":0.10168297837177913},{"text":"This is how are you this afternoon?","start":46.135002,"end":47.595,"sentiment":"neutral","sentiment_score":0.13718757671969278}],"sentiment":"neutral","sentiment_score":0.12653619721531867,"channel":0,"num_words":10,"start":45.415,"end":47.595},{"sentences":[{"text":"Yes.","start":48.254997,"end":48.575,"sentiment":"neutral","sentiment_score":0.11476615071296692},{"text":"Good.","start":48.575,"end":48.735,"sentiment":"neutral","sentiment_score":0.1988838016986847},{"text":"Thanks.","start":48.735,"end":49.055,"sentiment":"neutral","sentiment_score":0.22643986344337463},{"text":"How are you?","start":49.055,"end":49.875,"sentiment":"neutral","sentiment_score":0.14506545414527258}],"sentiment":"neutral","sentiment_score":0.16254769638180733,"channel":1,"num_words":6,"start":48.254997,"end":49.875},{"sentences":[{"text":"I'm very well.","start":50.055,"end":51.095,"sentiment":"neutral","sentiment_score":0.2553357779979706},{"text":"Thank you.","start":51.095,"end":51.495003,"sentiment":"neutral","sentiment_score":0.2607291340827942},{"text":"Sorry about playing a bit of phone tag with you.","start":51.495003,"end":53.815002,"sentiment":"neutral","sentiment_score":-0.02572342362254858}],"sentiment":"neutral","sentiment_score":0.06868209106226762,"channel":0,"num_words":15,"start":50.055,"end":53.815002},{"sentences":[{"text":"Yes.","start":53.66,"end":53.899998,"sentiment":"neutral","sentiment_score":0.018309231847524643}],"sentiment":"neutral","sentiment_score":0.018309231847524643,"channel":1,"num_words":1,"start":53.66,"end":53.899998},{"sentences":[{"text":"Thank","start":53.815002,"end":54.055,"sentiment":"neutral","sentiment_score":0.03570406511425972}],"sentiment":"neutral","sentiment_score":0.03570406511425972,"channel":0,"num_words":1,"start":53.815002,"end":54.055},{"sentences":[{"text":"Sorry.","start":53.899998,"end":54.399998,"sentiment":"neutral","sentiment_score":-0.0025789663195610046}],"sentiment":"neutral","sentiment_score":-0.0025789663195610046,"channel":1,"num_words":1,"start":53.899998,"end":54.399998},{"sentences":[{"text":"you so much for calling us,","start":54.055,"end":55.175,"sentiment":"neutral","sentiment_score":0.08750168854991595}],"sentiment":"neutral","sentiment_score":0.08750168854991595,"channel":0,"num_words":6,"start":54.055,"end":55.175},{"sentences":[{"text":"I","start":55.019997,"end":55.179996,"sentiment":"neutral","sentiment_score":0.012169137597084044}],"sentiment":"neutral","sentiment_score":0.012169137597084044,"channel":1,"num_words":1,"start":55.019997,"end":55.179996},{"sentences":[{"text":"but","start":55.175,"end":55.335,"sentiment":"neutral","sentiment_score":-0.04420875757932663}],"sentiment":"neutral","sentiment_score":-0.04420875757932663,"channel":0,"num_words":1,"start":55.175,"end":55.335},{"sentences":[{"text":"had","start":55.179996,"end":55.42,"sentiment":"neutral","sentiment_score":-0.05426628142595291}],"sentiment":"neutral","sentiment_score":-0.05426628142595291,"channel":1,"num_words":1,"start":55.179996,"end":55.42},{"sentences":[{"text":"no.","start":55.415,"end":55.575,"sentiment":"neutral","sentiment_score":-0.08113766461610794}],"sentiment":"neutral","sentiment_score":-0.08113766461610794,"channel":0,"num_words":1,"start":55.415,"end":55.575},{"sentences":[{"text":"a chuckle.","start":55.42,"end":56.0,"sentiment":"neutral","sentiment_score":-0.06048821657896042}],"sentiment":"neutral","sentiment_score":-0.06048821657896042,"channel":1,"num_words":2,"start":55.42,"end":56.0},{"sentences":[{"text":"You're fine.","start":55.575,"end":56.395,"sentiment":"neutral","sentiment_score":0.1449383981525898},{"text":"All good.","start":58.239998,"end":59.14,"sentiment":"neutral","sentiment_score":0.22574502229690552},{"text":"Jade, I had you booked in to go through a bit of an annual review there with you today.","start":59.28,"end":62.82,"sentiment":"neutral","sentiment_score":0.06416314075651922},{"text":"Before","start":63.04,"end":63.36,"sentiment":"neutral","sentiment_score":0.02899257466197014}],"sentiment":"neutral","sentiment_score":0.08289412874728441,"channel":0,"num_words":24,"start":55.575,"end":63.36},{"sentences":[{"text":"Yes.","start":63.339996,"end":63.839996,"sentiment":"neutral","sentiment_score":0.03439166396856308}],"sentiment":"neutral","sentiment_score":0.03439166396856308,"channel":1,"num_words":1,"start":63.339996,"end":63.839996},{"sentences":[{"text":"we jump into the call, just wanted to find out if there's anything specific that you're wanting to maybe have me touch base on or any, sorry, specific questions that you would like me to sort of tackle for you today?","start":63.36,"end":74.185005,"sentiment":"neutral","sentiment_score":0.04439702984399912}],"sentiment":"neutral","sentiment_score":0.04439702984399912,"channel":0,"num_words":41,"start":63.36,"end":74.185005},{"sentences":[{"text":"Oh, no.","start":75.255,"end":75.655,"sentiment":"neutral","sentiment_score":-0.03254191391170025},{"text":"Nothing in particular.","start":75.655,"end":76.635,"sentiment":"neutral","sentiment_score":-0.061618655920028687}],"sentiment":"neutral","sentiment_score":-0.04998795911669731,"channel":1,"num_words":5,"start":75.255,"end":76.635},{"sentences":[{"text":"Nope.","start":77.285,"end":77.605,"sentiment":"neutral","sentiment_score":-0.1068272590637207},{"text":"That's okay.","start":77.605,"end":78.085,"sentiment":"neutral","sentiment_score":-0.003885280340909958},{"text":"Just a bit of an overview on how sleep has been going for you then.","start":78.085,"end":81.225006,"sentiment":"neutral","sentiment_score":0.05141508976618449}],"sentiment":"neutral","sentiment_score":0.03647936259706815,"channel":0,"num_words":18,"start":77.285,"end":81.225006},{"sentences":[{"text":"Yeah.","start":81.03,"end":81.53,"sentiment":"neutral","sentiment_score":0.047626495361328125},{"text":"Yes.","start":81.67,"end":82.149994,"sentiment":"neutral","sentiment_score":0.05171617865562439}],"sentiment":"neutral","sentiment_score":0.04967133700847626,"channel":1,"num_words":2,"start":81.03,"end":82.149994},{"sentences":[{"text":"Yes.","start":82.08501,"end":82.58501,"sentiment":"neutral","sentiment_score":0.061811383813619614}],"sentiment":"neutral","sentiment_score":0.061811383813619614,"channel":0,"num_words":1,"start":82.08501,"end":82.58501},{"sentences":[{"text":"Yes.","start":82.149994,"end":82.649994,"sentiment":"neutral","sentiment_score":0.11208398640155792}],"sentiment":"neutral","sentiment_score":0.11208398640155792,"channel":1,"num_words":1,"start":82.149994,"end":82.649994},{"sentences":[{"text":"Beautiful.","start":82.645004,"end":83.145004,"sentiment":"neutral","sentiment_score":0.2967073321342468},{"text":"All good.","start":83.365005,"end":84.105,"sentiment":"neutral","sentiment_score":0.24304859340190887},{"text":"So, Jade, I just wanna double check.","start":84.520004,"end":86.36,"sentiment":"neutral","sentiment_score":0.06860223625387464},{"text":"Do you have access to your email at the moment?","start":86.36,"end":88.54,"sentiment":"neutral","sentiment_score":0.027737872302532197}],"sentiment":"neutral","sentiment_score":0.07701994478702545,"channel":0,"num_words":20,"start":82.645004,"end":88.54},{"sentences":[{"text":"Yes.","start":89.03,"end":89.42999,"sentiment":"neutral","sentiment_score":0.04358183220028877},{"text":"I do.","start":89.42999,"end":90.17,"sentiment":"neutral","sentiment_score":0.05746733397245407}],"sentiment":"neutral","sentiment_score":0.05283883338173231,"channel":1,"num_words":3,"start":89.03,"end":90.17},{"sentences":[{"text":"Yeah.","start":90.28,"end":90.600006,"sentiment":"neutral","sentiment_score":0.1227901726961136},{"text":"Beautiful.","start":90.600006,"end":91.0,"sentiment":"neutral","sentiment_score":0.2489042729139328},{"text":"What I'm gonna do is I'm gonna send through an email to you.","start":91.0,"end":93.240005,"sentiment":"neutral","sentiment_score":0.09947722061322285},{"text":"It does just have your annual review documents attached there for you, so I'll press send on that one.","start":93.240005,"end":97.725,"sentiment":"neutral","sentiment_score":0.1299185239170727}],"sentiment":"neutral","sentiment_score":0.12156912552959778,"channel":0,"num_words":34,"start":90.28,"end":97.725},{"sentences":[{"text":"Yep.","start":98.165,"end":98.665,"sentiment":"neutral","sentiment_score":0.2650672197341919}],"sentiment":"neutral","sentiment_score":0.2650672197341919,"channel":1,"num_words":1,"start":98.165,"end":98.665},{"sentences":[{"text":"You are welcome to open them up and have a bit of a review of them.","start":98.365,"end":101.165,"sentiment":"positive","sentiment_score":0.38188612274825573},{"text":"I will also touch on some of those documents as we are going through the review there.","start":101.165,"end":105.345,"sentiment":"neutral","sentiment_score":0.17804900030879414},{"text":"But the most","start":105.645,"end":106.045,"sentiment":"neutral","sentiment_score":0.08683404326438904}],"sentiment":"neutral","sentiment_score":0.26104203052818775,"channel":0,"num_words":36,"start":98.365,"end":106.045},{"sentences":[{"text":"Yep.","start":106.0,"end":106.5,"sentiment":"neutral","sentiment_score":0.09604179859161376}],"sentiment":"neutral","sentiment_score":0.09604179859161376,"channel":1,"num_words":1,"start":106.0,"end":106.5},{"sentences":[{"text":"important ones are just giving you an update on your super performance and a bit of your super an insurance summary there for you as well.","start":106.045,"end":113.11,"sentiment":"neutral","sentiment_score":0.1783735156059265},{"text":"Okay.","start":113.17,"end":113.67,"sentiment":"neutral","sentiment_score":0.1381782740354538}],"sentiment":"neutral","sentiment_score":0.17688480295516826,"channel":0,"num_words":27,"start":106.045,"end":113.67},{"sentences":[{"text":"Okay.","start":113.439995,"end":113.939995,"sentiment":"neutral","sentiment_score":0.19485387206077576}],"sentiment":"neutral","sentiment_score":0.19485387206077576,"channel":1,"num_words":1,"start":113.439995,"end":113.939995},{"sentences":[{"text":"Fantastic.","start":115.01,"end":115.51,"sentiment":"positive","sentiment_score":0.4371449947357178},{"text":"How's your morning been so far?","start":115.73,"end":117.590004,"sentiment":"neutral","sentiment_score":0.2860693062345187}],"sentiment":"neutral","sentiment_score":0.3076515474489757,"channel":0,"num_words":7,"start":115.01,"end":117.590004},{"sentences":[{"text":"Yeah.","start":118.705,"end":118.945,"sentiment":"neutral","sentiment_score":0.2683916687965393},{"text":"It's been fun.","start":118.945,"end":119.825,"sentiment":"positive","sentiment_score":0.3898083070913951},{"text":"Yeah.","start":119.825,"end":120.325,"sentiment":"neutral","sentiment_score":0.15890373289585114},{"text":"Just","start":120.384995,"end":120.625,"sentiment":"neutral","sentiment_score":0.09197142720222472}],"sentiment":"neutral","sentiment_score":0.2814486250281334,"channel":1,"num_words":6,"start":118.705,"end":120.625},{"sentences":[{"text":"Yeah?","start":120.450005,"end":120.950005,"sentiment":"neutral","sentiment_score":0.07180888950824738}],"sentiment":"neutral","sentiment_score":0.07180888950824738,"channel":0,"num_words":1,"start":120.450005,"end":120.950005},{"sentences":[{"text":"been at work.","start":120.625,"end":121.265,"sentiment":"neutral","sentiment_score":0.06728361050287883},{"text":"So yeah.","start":121.265,"end":122.165,"sentiment":"neutral","sentiment_score":0.08566650748252869}],"sentiment":"neutral","sentiment_score":0.07463676929473877,"channel":1,"num_words":5,"start":120.625,"end":122.165},{"sentences":[{"text":"Yeah.","start":122.05,"end":122.37,"sentiment":"neutral","sentiment_score":0.12832069396972656},{"text":"Of course.","start":122.37,"end":123.03,"sentiment":"neutral","sentiment_score":0.18149644136428833},{"text":"All good.","start":123.89,"end":124.630005,"sentiment":"positive","sentiment_score":0.45682352781295776},{"text":"Beautiful.","start":125.425,"end":125.925,"sentiment":"positive","sentiment_score":0.4700417220592499},{"text":"And how's everything sort of been since we last caught up last year?","start":125.985,"end":128.865,"sentiment":"neutral","sentiment_score":0.05687135572616871}],"sentiment":"neutral","sentiment_score":0.13759631467492958,"channel":0,"num_words":19,"start":122.05,"end":128.865},{"sentences":[{"text":"Has there been any major changes with work or with your circumstances?","start":128.865,"end":132.005,"sentiment":"neutral","sentiment_score":0.0008133986654380957}],"sentiment":"neutral","sentiment_score":0.0008133986654380957,"channel":0,"num_words":12,"start":128.865,"end":132.005},{"sentences":[{"text":"So we have actually for my husband now, we purchased a second investment property.","start":134.13,"end":140.15,"sentiment":"neutral","sentiment_score":0.013280390894838743}],"sentiment":"neutral","sentiment_score":0.013280390894838743,"channel":1,"num_words":14,"start":134.13,"end":140.15},{"sentences":[{"text":"Oh, fantastic.","start":141.12,"end":141.7,"sentiment":"neutral","sentiment_score":0.21064451336860657},{"text":"Just having a look at what I have here at the moment.","start":144.4,"end":146.73999,"sentiment":"neutral","sentiment_score":0.09578359965234995},{"text":"So we had down here your main primary residence noted as being in Timberlane, and then we also had two investment properties, one in Estuary and the other one in Karratha.","start":147.12,"end":159.31499,"sentiment":"neutral","sentiment_score":0.045669722701272654},{"text":"Is there any additional to those that","start":159.53499,"end":161.055,"sentiment":"neutral","sentiment_score":0.017811846121081283}],"sentiment":"neutral","sentiment_score":0.05982954902216219,"channel":0,"num_words":52,"start":141.12,"end":161.055},{"sentences":[{"text":"Oh,","start":160.965,"end":161.28499,"sentiment":"neutral","sentiment_score":-0.01178449671715498}],"sentiment":"neutral","sentiment_score":-0.01178449671715498,"channel":1,"num_words":1,"start":160.965,"end":161.28499},{"sentences":[{"text":"we would","start":161.055,"end":161.375,"sentiment":"neutral","sentiment_score":-0.021997946314513683}],"sentiment":"neutral","sentiment_score":-0.021997946314513683,"channel":0,"num_words":2,"start":161.055,"end":161.375},{"sentences":[{"text":"sorry.","start":161.28499,"end":161.765,"sentiment":"neutral","sentiment_score":-0.03157372772693634}],"sentiment":"neutral","sentiment_score":-0.03157372772693634,"channel":1,"num_words":1,"start":161.28499,"end":161.765},{"sentences":[{"text":"already have","start":161.375,"end":161.855,"sentiment":"neutral","sentiment_score":-0.025437909178435802}],"sentiment":"neutral","sentiment_score":-0.025437909178435802,"channel":0,"num_words":2,"start":161.375,"end":161.855},{"sentences":[{"text":"Sorry.","start":161.765,"end":162.245,"sentiment":"neutral","sentiment_score":-0.041776470839977264}],"sentiment":"neutral","sentiment_score":-0.041776470839977264,"channel":1,"num_words":1,"start":161.765,"end":162.245},{"sentences":[{"text":"noted?","start":161.855,"end":162.25499,"sentiment":"neutral","sentiment_score":-0.030145958065986633}],"sentiment":"neutral","sentiment_score":-0.030145958065986633,"channel":0,"num_words":1,"start":161.855,"end":162.25499},{"sentences":[{"text":"Okay.","start":162.245,"end":162.745,"sentiment":"neutral","sentiment_score":-0.014065086841583252}],"sentiment":"neutral","sentiment_score":-0.014065086841583252,"channel":1,"num_words":1,"start":162.245,"end":162.745},{"sentences":[{"text":"Or Yeah.","start":162.25499,"end":163.635,"sentiment":"neutral","sentiment_score":-0.014197402633726597}],"sentiment":"neutral","sentiment_score":-0.014197402633726597,"channel":0,"num_words":2,"start":162.25499,"end":163.635},{"sentences":[{"text":"No.","start":163.22,"end":163.37999,"sentiment":"neutral","sentiment_score":-0.05084746330976486},{"text":"Sorry.","start":163.37999,"end":163.86,"sentiment":"neutral","sentiment_score":-0.06893572211265564},{"text":"The Carathe one was the one.","start":163.86,"end":165.22,"sentiment":"neutral","sentiment_score":-0.06467296121021111},{"text":"I I didn't realize we had challenged because when you said annual, I thought, oh, it was last year","start":165.22,"end":170.5,"sentiment":"neutral","sentiment_score":-0.0729524544195125}],"sentiment":"neutral","sentiment_score":-0.07014509580201572,"channel":1,"num_words":27,"start":163.22,"end":170.5},{"sentences":[{"text":"That's","start":170.29,"end":170.79,"sentiment":"neutral","sentiment_score":-0.057325296103954315}],"sentiment":"neutral","sentiment_score":-0.057325296103954315,"channel":0,"num_words":1,"start":170.29,"end":170.79},{"sentences":[{"text":"before we","start":170.5,"end":171.14,"sentiment":"neutral","sentiment_score":-0.07775159552693367}],"sentiment":"neutral","sentiment_score":-0.07775159552693367,"channel":1,"num_words":2,"start":170.5,"end":171.14},{"sentences":[{"text":"alright.","start":171.04999,"end":171.54999,"sentiment":"neutral","sentiment_score":-0.07413904368877411}],"sentiment":"neutral","sentiment_score":-0.07413904368877411,"channel":0,"num_words":1,"start":171.04999,"end":171.54999},{"sentences":[{"text":"bought the property.","start":171.14,"end":171.78,"sentiment":"neutral","sentiment_score":-0.051650299380222954},{"text":"But","start":171.78,"end":171.93999,"sentiment":"neutral","sentiment_score":-0.04525981470942497}],"sentiment":"neutral","sentiment_score":-0.05005267821252346,"channel":1,"num_words":4,"start":171.14,"end":171.93999},{"sentences":[{"text":"Yeah.","start":171.81,"end":172.31,"sentiment":"neutral","sentiment_score":-0.04728058725595474}],"sentiment":"neutral","sentiment_score":-0.04728058725595474,"channel":0,"num_words":1,"start":171.81,"end":172.31},{"sentences":[{"text":"no.","start":171.93999,"end":172.09999,"sentiment":"neutral","sentiment_score":-0.07843542098999023},{"text":"No.","start":172.09999,"end":172.18,"sentiment":"neutral","sentiment_score":-0.09121359884738922},{"text":"No.","start":172.18,"end":172.34,"sentiment":"neutral","sentiment_score":-0.10018473863601685},{"text":"That's that's correct.","start":172.34,"end":173.48,"sentiment":"neutral","sentiment_score":-0.0535708541671435},{"text":"Yeah.","start":174.18,"end":174.68,"sentiment":"neutral","sentiment_score":0.05817105248570442}],"sentiment":"neutral","sentiment_score":-0.05319646692701748,"channel":1,"num_words":7,"start":171.93999,"end":174.68},{"sentences":[{"text":"Fantastic.","start":175.09,"end":175.59,"sentiment":"neutral","sentiment_score":0.1101856529712677},{"text":"No.","start":175.89,"end":176.04999,"sentiment":"neutral","sentiment_score":0.04082474485039711},{"text":"Well, that's fantastic.","start":176.04999,"end":177.03,"sentiment":"neutral","sentiment_score":0.20148167262474695},{"text":"Good to hear.","start":177.17,"end":178.06999,"sentiment":"neutral","sentiment_score":0.2793116768201192},{"text":"Is there any plans to purchase more properties down the track, or are you just sort of seeing how these ones go?","start":178.365,"end":183.085,"sentiment":"neutral","sentiment_score":0.05497611517255956}],"sentiment":"neutral","sentiment_score":0.0934288326650858,"channel":0,"num_words":30,"start":175.09,"end":183.085},{"sentences":[{"text":"Or","start":183.085,"end":183.405,"sentiment":"neutral","sentiment_score":0.0054139140993356705}],"sentiment":"neutral","sentiment_score":0.0054139140993356705,"channel":0,"num_words":1,"start":183.085,"end":183.405},{"sentences":[{"text":"Yeah.","start":183.535,"end":183.935,"sentiment":"neutral","sentiment_score":0.001110757701098919},{"text":"Not not at this stage.","start":183.935,"end":185.135,"sentiment":"neutral","sentiment_score":-0.07361737489700318},{"text":"We're we're actually in the process of putting a granny flat on our owner occupied house for my in laws.","start":185.135,"end":192.65,"sentiment":"neutral","sentiment_score":0.0005131819285452367}],"sentiment":"neutral","sentiment_score":-0.01371971070050047,"channel":1,"num_words":26,"start":183.535,"end":192.65},{"sentences":[{"text":"Yeah.","start":193.18,"end":193.68,"sentiment":"neutral","sentiment_score":0.051152303814888},{"text":"Oh, fantastic.","start":194.22,"end":195.04,"sentiment":"neutral","sentiment_score":0.15779969841241837},{"text":"That'd be a bit of a process building that one.","start":195.26,"end":197.76,"sentiment":"neutral","sentiment_score":0.1123809926211834}],"sentiment":"neutral","sentiment_score":0.11465858668088913,"channel":0,"num_words":13,"start":193.18,"end":197.76},{"sentences":[{"text":"Yeah.","start":198.15,"end":198.65,"sentiment":"neutral","sentiment_score":0.13373246788978577}],"sentiment":"neutral","sentiment_score":0.13373246788978577,"channel":1,"num_words":1,"start":198.15,"end":198.65},{"sentences":[{"text":"Fantastic.","start":200.94,"end":201.44,"sentiment":"neutral","sentiment_score":0.25559478998184204},{"text":"The in laws will be moving in and living in the granny flat and helping out a little bit there for you?","start":201.5,"end":206.425,"sentiment":"neutral","sentiment_score":0.2310043593699282}],"sentiment":"neutral","sentiment_score":0.23207350852696793,"channel":0,"num_words":23,"start":200.94,"end":206.425},{"sentences":[{"text":"Yeah.","start":206.85501,"end":207.35501,"sentiment":"neutral","sentiment_score":0.09054215252399445}],"sentiment":"neutral","sentiment_score":0.09054215252399445,"channel":1,"num_words":1,"start":206.85501,"end":207.35501},{"sentences":[{"text":"Yeah.","start":208.645,"end":209.125,"sentiment":"neutral","sentiment_score":0.17183780670166016},{"text":"Beautiful.","start":209.125,"end":209.625,"sentiment":"positive","sentiment_score":0.3866465985774994},{"text":"Excellent.","start":209.765,"end":210.265,"sentiment":"positive","sentiment_score":0.4365389049053192},{"text":"Good to see.","start":210.725,"end":211.625,"sentiment":"positive","sentiment_score":0.43510133028030396},{"text":"We had a note here that you were also had another medium term goal of looking to study or that you were studying.","start":211.925,"end":218.26001,"sentiment":"neutral","sentiment_score":0.15982451257498367}],"sentiment":"neutral","sentiment_score":0.2060790031120695,"channel":0,"num_words":29,"start":208.645,"end":218.26001},{"sentences":[{"text":"I'm so sorry.","start":218.26001,"end":218.78,"sentiment":"neutral","sentiment_score":-0.2882083108027776},{"text":"It just says study is a long term goal.","start":218.78,"end":220.84,"sentiment":"neutral","sentiment_score":-0.24640068908532461},{"text":"Are you currently taking on any additional studies, or is it something you're wanting to do down the track?","start":221.3,"end":225.8,"sentiment":"neutral","sentiment_score":-0.08066562994530327}],"sentiment":"neutral","sentiment_score":-0.14886703558506503,"channel":0,"num_words":31,"start":218.26001,"end":225.8},{"sentences":[{"text":"Yeah.","start":226.07,"end":226.47,"sentiment":"neutral","sentiment_score":-0.027854884043335915},{"text":"Not not at the moment.","start":226.47,"end":227.67001,"sentiment":"neutral","sentiment_score":-0.1056762158870697},{"text":"It's a yeah.","start":227.67001,"end":228.39,"sentiment":"neutral","sentiment_score":-0.057334275295337044},{"text":"It's it's further down the track.","start":228.39,"end":230.57,"sentiment":"neutral","sentiment_score":-0.04502109872798125}],"sentiment":"neutral","sentiment_score":-0.06655769211550554,"channel":1,"num_words":15,"start":226.07,"end":230.57},{"sentences":[{"text":"Yes.","start":231.315,"end":231.815,"sentiment":"neutral","sentiment_score":0.015239600092172624},{"text":"No.","start":231.875,"end":232.115,"sentiment":"neutral","sentiment_score":-0.016073595732450485},{"text":"That's okay.","start":232.115,"end":232.835,"sentiment":"neutral","sentiment_score":0.027093510143458843},{"text":"Not a problem at all.","start":232.835,"end":233.715,"sentiment":"neutral","sentiment_score":0.09251047223806382},{"text":"Is it more just a study on top of what you're currently doing for work, or is it, like, additional another area to study?","start":233.715,"end":240.455,"sentiment":"neutral","sentiment_score":0.0027426841746394834}],"sentiment":"neutral","sentiment_score":0.017628175940251713,"channel":0,"num_words":33,"start":231.315,"end":240.455},{"sentences":[{"text":"No.","start":241.485,"end":241.725,"sentiment":"neutral","sentiment_score":-0.04571045935153961},{"text":"It would be, yeah, just furthering my current qualifications.","start":241.725,"end":246.18,"sentiment":"neutral","sentiment_score":-0.028891677657763164},{"text":"So","start":246.18,"end":246.68,"sentiment":"neutral","sentiment_score":-0.00314483605325222}],"sentiment":"neutral","sentiment_score":-0.028080035847696392,"channel":1,"num_words":11,"start":241.485,"end":246.68},{"sentences":[{"text":"Building.","start":246.45,"end":246.85,"sentiment":"neutral","sentiment_score":0.01850607618689537},{"text":"Yeah.","start":246.85,"end":247.25,"sentiment":"neutral","sentiment_score":0.09242510795593262},{"text":"Beautiful.","start":247.25,"end":247.75,"sentiment":"positive","sentiment_score":0.4171517789363861}],"sentiment":"neutral","sentiment_score":0.17602765435973802,"channel":0,"num_words":3,"start":246.45,"end":247.75},{"sentences":[{"text":"I'm a psychologist,","start":247.54,"end":248.44,"sentiment":"neutral","sentiment_score":0.17544961969057718}],"sentiment":"neutral","sentiment_score":0.17544961969057718,"channel":1,"num_words":3,"start":247.54,"end":248.44},{"sentences":[{"text":"Yes.","start":248.21,"end":248.71,"sentiment":"neutral","sentiment_score":0.10430211573839188}],"sentiment":"neutral","sentiment_score":0.10430211573839188,"channel":0,"num_words":1,"start":248.21,"end":248.71},{"sentences":[{"text":"so it's which would just be furthering that.","start":249.54,"end":252.09999,"sentiment":"neutral","sentiment_score":0.10792938061058521},{"text":"Yep.","start":252.09999,"end":252.59999,"sentiment":"neutral","sentiment_score":0.11050496995449066}],"sentiment":"neutral","sentiment_score":0.10821555720435248,"channel":1,"num_words":9,"start":249.54,"end":252.59999},{"sentences":[{"text":"Oh, beautiful.","start":253.745,"end":254.485,"sentiment":"positive","sentiment_score":0.5022675693035126},{"text":"Lovely.","start":254.785,"end":255.285,"sentiment":"positive","sentiment_score":0.6543667316436768},{"text":"Excellent.","start":255.505,"end":256.005,"sentiment":"positive","sentiment_score":0.5916674137115479},{"text":"And I had your income last year.","start":256.865,"end":258.385,"sentiment":"neutral","sentiment_score":0.1744901623044695},{"text":"It's about 140,000.","start":258.385,"end":260.145,"sentiment":"neutral","sentiment_score":0.08306707193454106}],"sentiment":"neutral","sentiment_score":0.2658001168497971,"channel":0,"num_words":14,"start":253.745,"end":260.145},{"sentences":[{"text":"Is your income increased since we last sort of caught up?","start":260.145,"end":262.945,"sentiment":"neutral","sentiment_score":0.023594928736036472},{"text":"Or","start":262.945,"end":263.445,"sentiment":"neutral","sentiment_score":-0.00939178466796875}],"sentiment":"neutral","sentiment_score":0.020846035952369373,"channel":0,"num_words":12,"start":260.145,"end":263.445},{"sentences":[{"text":"No.","start":263.64502,"end":263.96503,"sentiment":"neutral","sentiment_score":-0.06489266455173492},{"text":"It's still that's pretty much what","start":263.96503,"end":265.885,"sentiment":"neutral","sentiment_score":-0.0338771678507328}],"sentiment":"neutral","sentiment_score":-0.0383079530937331,"channel":1,"num_words":7,"start":263.64502,"end":265.885},{"sentences":[{"text":"not","start":265.84,"end":266.24,"sentiment":"neutral","sentiment_score":-0.02632104605436325}],"sentiment":"neutral","sentiment_score":-0.02632104605436325,"channel":0,"num_words":1,"start":265.84,"end":266.24},{"sentences":[{"text":"it's sitting","start":265.885,"end":266.285,"sentiment":"neutral","sentiment_score":-0.018201109021902084}],"sentiment":"neutral","sentiment_score":-0.018201109021902084,"channel":1,"num_words":2,"start":265.885,"end":266.285},{"sentences":[{"text":"the","start":266.24,"end":266.48,"sentiment":"neutral","sentiment_score":-0.016756907105445862}],"sentiment":"neutral","sentiment_score":-0.016756907105445862,"channel":0,"num_words":1,"start":266.24,"end":266.48},{"sentences":[{"text":"at.","start":266.285,"end":266.52502,"sentiment":"neutral","sentiment_score":-0.007940569892525673}],"sentiment":"neutral","sentiment_score":-0.007940569892525673,"channel":1,"num_words":1,"start":266.285,"end":266.52502},{"sentences":[{"text":"same.","start":266.48,"end":266.98,"sentiment":"neutral","sentiment_score":0.01685337722301483}],"sentiment":"neutral","sentiment_score":0.01685337722301483,"channel":0,"num_words":1,"start":266.48,"end":266.98},{"sentences":[{"text":"Yep.","start":266.52502,"end":267.02502,"sentiment":"neutral","sentiment_score":0.031136227771639824}],"sentiment":"neutral","sentiment_score":0.031136227771639824,"channel":1,"num_words":1,"start":266.52502,"end":267.02502},{"sentences":[{"text":"Yep.","start":268.0,"end":268.32,"sentiment":"neutral","sentiment_score":0.026410330086946487},{"text":"No.","start":268.32,"end":268.56,"sentiment":"neutral","sentiment_score":0.0021544992923736572},{"text":"That's okay.","start":268.56,"end":269.38,"sentiment":"neutral","sentiment_score":0.07153578288853168},{"text":"All good.","start":269.44,"end":270.18,"sentiment":"neutral","sentiment_score":0.2848631292581558},{"text":"I will apologize in advance there, Jade.","start":270.32,"end":272.08,"sentiment":"neutral","sentiment_score":-0.027798866587025777}],"sentiment":"neutral","sentiment_score":0.04205927596642421,"channel":0,"num_words":13,"start":268.0,"end":272.08},{"sentences":[{"text":"It does look like your the annual review pack is coming through.","start":272.08,"end":275.04,"sentiment":"neutral","sentiment_score":-0.03237042731295029},{"text":"It's just not sending at the moment.","start":275.04,"end":276.56,"sentiment":"neutral","sentiment_score":-0.17749364780528204},{"text":"So after the call, if it's okay, I'll just have to go back in and see what the IT issue is and resend it out to you.","start":276.56,"end":281.525,"sentiment":"neutral","sentiment_score":-0.1277655487259229},{"text":"So I do apologize","start":281.525,"end":282.48502,"sentiment":"neutral","sentiment_score":-0.053342086263000965}],"sentiment":"neutral","sentiment_score":-0.105878776460886,"channel":0,"num_words":50,"start":272.08,"end":282.48502},{"sentences":[{"text":"Okay.","start":282.19998,"end":282.52,"sentiment":"neutral","sentiment_score":-0.03712809830904007}],"sentiment":"neutral","sentiment_score":-0.03712809830904007,"channel":1,"num_words":1,"start":282.19998,"end":282.52},{"sentences":[{"text":"that","start":282.48502,"end":282.645,"sentiment":"neutral","sentiment_score":-0.03527161106467247}],"sentiment":"neutral","sentiment_score":-0.03527161106467247,"channel":0,"num_words":1,"start":282.48502,"end":282.645},{"sentences":[{"text":"I've","start":282.52,"end":282.91998,"sentiment":"neutral","sentiment_score":-0.048302970826625824}],"sentiment":"neutral","sentiment_score":-0.048302970826625824,"channel":1,"num_words":1,"start":282.52,"end":282.91998},{"sentences":[{"text":"it's probably","start":282.645,"end":283.20502,"sentiment":"neutral","sentiment_score":-0.07136141508817673}],"sentiment":"neutral","sentiment_score":-0.07136141508817673,"channel":0,"num_words":2,"start":282.645,"end":283.20502},{"sentences":[{"text":"I've got","start":282.91998,"end":283.4,"sentiment":"neutral","sentiment_score":-0.08691432699561119}],"sentiment":"neutral","sentiment_score":-0.08691432699561119,"channel":1,"num_words":2,"start":282.91998,"end":283.4},{"sentences":[{"text":"not","start":283.20502,"end":283.445,"sentiment":"neutral","sentiment_score":-0.07035290449857712}],"sentiment":"neutral","sentiment_score":-0.07035290449857712,"channel":0,"num_words":1,"start":283.20502,"end":283.445},{"sentences":[{"text":"it.","start":283.4,"end":283.71997,"sentiment":"neutral","sentiment_score":-0.08330143988132477}],"sentiment":"neutral","sentiment_score":-0.08330143988132477,"channel":1,"num_words":1,"start":283.4,"end":283.71997},{"sentences":[{"text":"coming through","start":283.445,"end":283.765,"sentiment":"neutral","sentiment_score":-0.03255947306752205}],"sentiment":"neutral","sentiment_score":-0.03255947306752205,"channel":0,"num_words":2,"start":283.445,"end":283.765},{"sentences":[{"text":"It's","start":283.71997,"end":283.96,"sentiment":"neutral","sentiment_score":-0.03394761681556702}],"sentiment":"neutral","sentiment_score":-0.03394761681556702,"channel":1,"num_words":1,"start":283.71997,"end":283.96},{"sentences":[{"text":"with you","start":283.765,"end":284.005,"sentiment":"neutral","sentiment_score":-0.030309167690575123}],"sentiment":"neutral","sentiment_score":-0.030309167690575123,"channel":0,"num_words":2,"start":283.765,"end":284.005},{"sentences":[{"text":"definitely","start":283.96,"end":284.46,"sentiment":"neutral","sentiment_score":-0.022703133523464203}],"sentiment":"neutral","sentiment_score":-0.022703133523464203,"channel":1,"num_words":1,"start":283.96,"end":284.46},{"sentences":[{"text":"at the moment.","start":284.005,"end":284.665,"sentiment":"neutral","sentiment_score":-0.029630780840913456}],"sentiment":"neutral","sentiment_score":-0.029630780840913456,"channel":0,"num_words":3,"start":284.005,"end":284.665},{"sentences":[{"text":"come through.","start":284.52,"end":285.25998,"sentiment":"neutral","sentiment_score":-0.0321052810177207}],"sentiment":"neutral","sentiment_score":-0.0321052810177207,"channel":1,"num_words":2,"start":284.52,"end":285.25998},{"sentences":[{"text":"Oh, you have?","start":285.20502,"end":286.105,"sentiment":"neutral","sentiment_score":-0.02222343534231186}],"sentiment":"neutral","sentiment_score":-0.02222343534231186,"channel":0,"num_words":3,"start":285.20502,"end":286.105},{"sentences":[{"text":"Yes.","start":286.485,"end":286.985,"sentiment":"neutral","sentiment_score":-0.04375232756137848}],"sentiment":"neutral","sentiment_score":-0.04375232756137848,"channel":1,"num_words":1,"start":286.485,"end":286.985},{"sentences":[{"text":"That's so bizarre.","start":286.805,"end":287.865,"sentiment":"neutral","sentiment_score":-0.24128099282582602},{"text":"Says here that it's not sending.","start":288.085,"end":289.945,"sentiment":"neutral","sentiment_score":-0.15088779230912527}],"sentiment":"neutral","sentiment_score":-0.1810188591480255,"channel":0,"num_words":9,"start":286.805,"end":289.945},{"sentences":[{"text":"Okay.","start":290.32498,"end":290.805,"sentiment":"neutral","sentiment_score":-0.1222008764743805}],"sentiment":"neutral","sentiment_score":-0.1222008764743805,"channel":1,"num_words":1,"start":290.32498,"end":290.805},{"sentences":[{"text":"Very","start":290.405,"end":290.805,"sentiment":"neutral","sentiment_score":-0.2930162250995636}],"sentiment":"neutral","sentiment_score":-0.2930162250995636,"channel":0,"num_words":1,"start":290.405,"end":290.805},{"sentences":[{"text":"No.","start":290.805,"end":291.04498,"sentiment":"neutral","sentiment_score":-0.15673744678497314}],"sentiment":"neutral","sentiment_score":-0.15673744678497314,"channel":1,"num_words":1,"start":290.805,"end":291.04498},{"sentences":[{"text":"strange.","start":290.805,"end":291.305,"sentiment":"neutral","sentiment_score":-0.22267355024814608}],"sentiment":"neutral","sentiment_score":-0.22267355024814608,"channel":0,"num_words":1,"start":290.805,"end":291.305},{"sentences":[{"text":"It's definitely it's come through have you tried three times?","start":291.04498,"end":293.525,"sentiment":"neutral","sentiment_score":-0.14347817227244378},{"text":"Because it's come through three times.","start":293.525,"end":295.065,"sentiment":"neutral","sentiment_score":-0.14252801487843195}],"sentiment":"neutral","sentiment_score":-0.14312186324968934,"channel":1,"num_words":16,"start":291.04498,"end":295.065},{"sentences":[{"text":"That's probably it.","start":295.88,"end":296.84,"sentiment":"neutral","sentiment_score":-0.1499521185954412},{"text":"Yeah.","start":296.84,"end":297.08,"sentiment":"neutral","sentiment_score":-0.05664893239736557},{"text":"It just keeps telling me","start":297.08,"end":298.38,"sentiment":"neutral","sentiment_score":-0.09646186232566833}],"sentiment":"neutral","sentiment_score":-0.10986828886800343,"channel":0,"num_words":9,"start":295.88,"end":298.38},{"sentences":[{"text":"Yep.","start":297.925,"end":298.425,"sentiment":"neutral","sentiment_score":-0.04150459170341492}],"sentiment":"neutral","sentiment_score":-0.04150459170341492,"channel":1,"num_words":1,"start":297.925,"end":298.425},{"sentences":[{"text":"there's some fields missing, and it's not sending.","start":299.48,"end":301.56,"sentiment":"neutral","sentiment_score":-0.09750249003991485},{"text":"So if it's come through to you, that is fantastic.","start":301.56,"end":303.66,"sentiment":"neutral","sentiment_score":0.215156003087759},{"text":"Thank you.","start":303.8,"end":304.28,"sentiment":"neutral","sentiment_score":0.2872697040438652},{"text":"Sorry about that.","start":304.28,"end":305.26,"sentiment":"neutral","sentiment_score":0.050674013793468475}],"sentiment":"neutral","sentiment_score":0.09122180695766988,"channel":0,"num_words":23,"start":299.48,"end":305.26},{"sentences":[{"text":"Definitely come","start":304.89,"end":305.69,"sentiment":"neutral","sentiment_score":0.10624656826257706}],"sentiment":"neutral","sentiment_score":0.10624656826257706,"channel":1,"num_words":2,"start":304.89,"end":305.69},{"sentences":[{"text":"Love","start":305.67502,"end":305.99503,"sentiment":"neutral","sentiment_score":0.137386292219162}],"sentiment":"neutral","sentiment_score":0.137386292219162,"channel":0,"num_words":1,"start":305.67502,"end":305.99503},{"sentences":[{"text":"through.","start":305.69,"end":305.93,"sentiment":"neutral","sentiment_score":0.15332481265068054},{"text":"Yes.","start":305.93,"end":306.17,"sentiment":"neutral","sentiment_score":0.030658230185508728}],"sentiment":"neutral","sentiment_score":0.09199152141809464,"channel":1,"num_words":2,"start":305.69,"end":306.17},{"sentences":[{"text":"technology","start":305.99503,"end":306.49503,"sentiment":"neutral","sentiment_score":0.014066046103835106}],"sentiment":"neutral","sentiment_score":0.014066046103835106,"channel":0,"num_words":1,"start":305.99503,"end":306.49503},{"sentences":[{"text":"Sorry.","start":306.17,"end":306.49,"sentiment":"neutral","sentiment_score":-0.020265627652406693},{"text":"I should","start":306.49,"end":306.81,"sentiment":"neutral","sentiment_score":-0.03779138997197151}],"sentiment":"neutral","sentiment_score":-0.03194946919878324,"channel":1,"num_words":3,"start":306.17,"end":306.81},{"sentences":[{"text":"when","start":306.635,"end":306.875,"sentiment":"neutral","sentiment_score":-0.028833579272031784}],"sentiment":"neutral","sentiment_score":-0.028833579272031784,"channel":0,"num_words":1,"start":306.635,"end":306.875},{"sentences":[{"text":"have","start":306.81,"end":306.97,"sentiment":"neutral","sentiment_score":-0.04526976495981216}],"sentiment":"neutral","sentiment_score":-0.04526976495981216,"channel":1,"num_words":1,"start":306.81,"end":306.97},{"sentences":[{"text":"it wants","start":306.875,"end":307.195,"sentiment":"neutral","sentiment_score":-0.04031766951084137}],"sentiment":"neutral","sentiment_score":-0.04031766951084137,"channel":0,"num_words":2,"start":306.875,"end":307.195},{"sentences":[{"text":"said.","start":306.97,"end":307.47,"sentiment":"neutral","sentiment_score":-0.029357079416513443}],"sentiment":"neutral","sentiment_score":-0.029357079416513443,"channel":1,"num_words":1,"start":306.97,"end":307.47},{"sentences":[{"text":"to work.","start":307.195,"end":307.935,"sentiment":"neutral","sentiment_score":-0.006792815867811441},{"text":"No.","start":309.035,"end":309.355,"sentiment":"neutral","sentiment_score":0.0036944877356290817},{"text":"You're","start":309.355,"end":309.595,"sentiment":"neutral","sentiment_score":0.06276129186153412}],"sentiment":"neutral","sentiment_score":0.01321753696538508,"channel":0,"num_words":4,"start":307.195,"end":309.595},{"sentences":[{"text":"So","start":309.37,"end":309.87,"sentiment":"neutral","sentiment_score":0.12197258323431016}],"sentiment":"neutral","sentiment_score":0.12197258323431016,"channel":1,"num_words":1,"start":309.37,"end":309.87},{"sentences":[{"text":"absolutely fine.","start":309.595,"end":310.875,"sentiment":"neutral","sentiment_score":0.2059003934264183},{"text":"Beautiful.","start":310.875,"end":311.375,"sentiment":"neutral","sentiment_score":0.31919676065444946},{"text":"Yeah.","start":312.23502,"end":312.73502,"sentiment":"neutral","sentiment_score":0.12581627070903778}],"sentiment":"neutral","sentiment_score":0.21420345455408096,"channel":0,"num_words":4,"start":309.595,"end":312.73502},{"sentences":[{"text":"okay.","start":312.7225,"end":312.795,"sentiment":"neutral","sentiment_score":0.10389778017997742},{"text":"So the one that I well, the","start":313.11502,"end":314.71503,"sentiment":"neutral","sentiment_score":0.06767327657767705}],"sentiment":"neutral","sentiment_score":0.07220133952796459,"channel":1,"num_words":8,"start":312.7225,"end":314.71503},{"sentences":[{"text":"All","start":314.635,"end":314.875,"sentiment":"neutral","sentiment_score":0.18351906538009644}],"sentiment":"neutral","sentiment_score":0.18351906538009644,"channel":0,"num_words":1,"start":314.635,"end":314.875},{"sentences":[{"text":"the thing","start":314.71503,"end":315.035,"sentiment":"neutral","sentiment_score":0.189175583422184}],"sentiment":"neutral","sentiment_score":0.189175583422184,"channel":1,"num_words":2,"start":314.71503,"end":315.035},{"sentences":[{"text":"good.","start":314.875,"end":315.375,"sentiment":"neutral","sentiment_score":0.0413520447909832}],"sentiment":"neutral","sentiment_score":0.0413520447909832,"channel":0,"num_words":1,"start":314.875,"end":315.375},{"sentences":[{"text":"that I'm looking at is the signing page, but","start":315.035,"end":317.67502,"sentiment":"neutral","sentiment_score":0.016049782642059855}],"sentiment":"neutral","sentiment_score":0.016049782642059855,"channel":1,"num_words":9,"start":315.035,"end":317.67502},{"sentences":[{"text":"Yep.","start":317.515,"end":318.015,"sentiment":"neutral","sentiment_score":0.02180969715118408}],"sentiment":"neutral","sentiment_score":0.02180969715118408,"channel":0,"num_words":1,"start":317.515,"end":318.015},{"sentences":[{"text":"then there's attachments as well.","start":317.67502,"end":319.11502,"sentiment":"neutral","sentiment_score":-0.0001726970076560974},{"text":"Mhmm.","start":319.11502,"end":319.61502,"sentiment":"neutral","sentiment_score":0.006042041815817356}],"sentiment":"neutral","sentiment_score":0.0008630927962561449,"channel":1,"num_words":6,"start":317.67502,"end":319.61502},{"sentences":[{"text":"Yeah.","start":320.71,"end":321.11,"sentiment":"neutral","sentiment_score":0.024115893989801407},{"text":"So if you open the attachments there, you'll see one of those attachments is your superannuation and insurance summary there.","start":321.11,"end":327.35,"sentiment":"neutral","sentiment_score":0.0318027900531888},{"text":"So having","start":327.35,"end":327.91,"sentiment":"neutral","sentiment_score":0.03463580459356308}],"sentiment":"neutral","sentiment_score":0.03171492627133494,"channel":0,"num_words":23,"start":320.71,"end":327.91},{"sentences":[{"text":"Yes.","start":327.755,"end":328.255,"sentiment":"neutral","sentiment_score":0.06331359595060349}],"sentiment":"neutral","sentiment_score":0.06331359595060349,"channel":1,"num_words":1,"start":327.755,"end":328.255},{"sentences":[{"text":"a look back now, we did sort of catch up and do a review around about November last year there.","start":327.91,"end":332.95502,"sentiment":"neutral","sentiment_score":0.03622128590941429},{"text":"So","start":332.95502,"end":333.355,"sentiment":"neutral","sentiment_score":0.0397973507642746}],"sentiment":"neutral","sentiment_score":0.036391574712026684,"channel":0,"num_words":21,"start":327.91,"end":333.355},{"sentences":[{"text":"Yes.","start":333.0,"end":333.16,"sentiment":"neutral","sentiment_score":0.05903146415948868},{"text":"Yes.","start":333.16,"end":333.66,"sentiment":"neutral","sentiment_score":0.08220800757408142}],"sentiment":"neutral","sentiment_score":0.07061973586678505,"channel":1,"num_words":2,"start":333.0,"end":333.66},{"sentences":[{"text":"I can see having a look here, your your balance and","start":333.355,"end":335.915,"sentiment":"neutral","sentiment_score":0.071697648614645}],"sentiment":"neutral","sentiment_score":0.071697648614645,"channel":0,"num_words":11,"start":333.355,"end":335.915},{"sentences":[{"text":"No.","start":335.8,"end":336.3,"sentiment":"neutral","sentiment_score":-0.07727600634098053}],"sentiment":"neutral","sentiment_score":-0.07727600634098053,"channel":1,"num_words":1,"start":335.8,"end":336.3},{"sentences":[{"text":"your review time last year was about a hundred and two thousand three hundred and fifty two and fifty cents there.","start":335.915,"end":342.255,"sentiment":"neutral","sentiment_score":-0.0784898798557974},{"text":"So then","start":342.315,"end":342.715,"sentiment":"neutral","sentiment_score":0.11289176717400551}],"sentiment":"neutral","sentiment_score":-0.06184799750537976,"channel":0,"num_words":23,"start":335.915,"end":342.715},{"sentences":[{"text":"Yep.","start":342.6,"end":343.1,"sentiment":"neutral","sentiment_score":0.1644531935453415}],"sentiment":"neutral","sentiment_score":0.1644531935453415,"channel":1,"num_words":1,"start":342.6,"end":343.1},{"sentences":[{"text":"having a look at your superannuation balance since then, it has definitely increased.","start":342.715,"end":347.12,"sentiment":"neutral","sentiment_score":0.31082449509547305},{"text":"So we got a 113,953 and 11¢.","start":347.12,"end":351.76,"sentiment":"neutral","sentiment_score":0.30118416249752045},{"text":"So","start":351.76,"end":352.24002,"sentiment":"positive","sentiment_score":0.4585686326026917}],"sentiment":"neutral","sentiment_score":0.3153196021914482,"channel":0,"num_words":21,"start":342.715,"end":352.24002},{"sentences":[{"text":"Yep.","start":352.08502,"end":352.58502,"sentiment":"positive","sentiment_score":0.5776264071464539}],"sentiment":"positive","sentiment_score":0.5776264071464539,"channel":1,"num_words":1,"start":352.08502,"end":352.58502},{"sentences":[{"text":"it has definitely gone up, which is good.","start":352.24002,"end":354.66,"sentiment":"positive","sentiment_score":0.6041575483977795}],"sentiment":"positive","sentiment_score":0.6041575483977795,"channel":0,"num_words":8,"start":352.24002,"end":354.66},{"sentences":[{"text":"Yep.","start":354.325,"end":354.825,"sentiment":"neutral","sentiment_score":0.12745517492294312}],"sentiment":"neutral","sentiment_score":0.12745517492294312,"channel":1,"num_words":1,"start":354.325,"end":354.825},{"sentences":[{"text":"I","start":354.96,"end":355.12,"sentiment":"neutral","sentiment_score":0.058148398995399475}],"sentiment":"neutral","sentiment_score":0.058148398995399475,"channel":0,"num_words":1,"start":354.96,"end":355.12},{"sentences":[{"text":"Yep.","start":355.045,"end":355.545,"sentiment":"neutral","sentiment_score":0.03974345326423645}],"sentiment":"neutral","sentiment_score":0.03974345326423645,"channel":1,"num_words":1,"start":355.045,"end":355.545},{"sentences":[{"text":"don't know if you sort of look at your super very often or hear","start":355.12,"end":358.16,"sentiment":"neutral","sentiment_score":0.000017983406516057982}],"sentiment":"neutral","sentiment_score":0.000017983406516057982,"channel":0,"num_words":14,"start":355.12,"end":358.16},{"sentences":[{"text":"Yeah.","start":358.0,"end":358.4,"sentiment":"neutral","sentiment_score":-0.0032716179266572}],"sentiment":"neutral","sentiment_score":-0.0032716179266572,"channel":1,"num_words":1,"start":358.0,"end":358.4},{"sentences":[{"text":"about what's","start":358.16,"end":358.56,"sentiment":"neutral","sentiment_score":-0.0067831616615876555}],"sentiment":"neutral","sentiment_score":-0.0067831616615876555,"channel":0,"num_words":2,"start":358.16,"end":358.56},{"sentences":[{"text":"I","start":358.4,"end":358.63998,"sentiment":"neutral","sentiment_score":0.002998683601617813}],"sentiment":"neutral","sentiment_score":0.002998683601617813,"channel":1,"num_words":1,"start":358.4,"end":358.63998},{"sentences":[{"text":"happening","start":358.56,"end":358.88,"sentiment":"neutral","sentiment_score":-0.003234211355447769}],"sentiment":"neutral","sentiment_score":-0.003234211355447769,"channel":0,"num_words":1,"start":358.56,"end":358.88},{"sentences":[{"text":"do.","start":358.63998,"end":359.13998,"sentiment":"neutral","sentiment_score":0.002224707044661045}],"sentiment":"neutral","sentiment_score":0.002224707044661045,"channel":1,"num_words":1,"start":358.63998,"end":359.13998},{"sentences":[{"text":"in the","start":358.88,"end":359.2,"sentiment":"neutral","sentiment_score":0.008776497095823288}],"sentiment":"neutral","sentiment_score":0.008776497095823288,"channel":0,"num_words":2,"start":358.88,"end":359.2},{"sentences":[{"text":"I","start":359.19998,"end":359.69998,"sentiment":"neutral","sentiment_score":-0.0035659000277519226}],"sentiment":"neutral","sentiment_score":-0.0035659000277519226,"channel":1,"num_words":1,"start":359.19998,"end":359.69998},{"sentences":[{"text":"news call.","start":359.2,"end":360.02002,"sentiment":"neutral","sentiment_score":0.013870681636035442}],"sentiment":"neutral","sentiment_score":0.013870681636035442,"channel":0,"num_words":2,"start":359.2,"end":360.02002},{"sentences":[{"text":"I do I do","start":360.0,"end":360.88,"sentiment":"neutral","sentiment_score":0.03956683212891221}],"sentiment":"neutral","sentiment_score":0.03956683212891221,"channel":1,"num_words":4,"start":360.0,"end":360.88},{"sentences":[{"text":"Yeah.","start":360.815,"end":361.315,"sentiment":"neutral","sentiment_score":0.04049191623926163}],"sentiment":"neutral","sentiment_score":0.04049191623926163,"channel":0,"num_words":1,"start":360.815,"end":361.315},{"sentences":[{"text":"log in from time to time to keep an eye on it.","start":360.88,"end":363.19998,"sentiment":"neutral","sentiment_score":0.050331536680459976},{"text":"Yes, sir.","start":363.19998,"end":363.68,"sentiment":"neutral","sentiment_score":0.07227137498557568},{"text":"Actually,","start":363.68,"end":364.18,"sentiment":"neutral","sentiment_score":0.03249398246407509}],"sentiment":"neutral","sentiment_score":0.05206767817338308,"channel":1,"num_words":15,"start":360.88,"end":364.18},{"sentences":[{"text":"Yeah.","start":364.815,"end":365.315,"sentiment":"neutral","sentiment_score":0.033475037664175034}],"sentiment":"neutral","sentiment_score":0.033475037664175034,"channel":0,"num_words":1,"start":364.815,"end":365.315},{"sentences":[{"text":"funny enough well, obviously, because we were having this annual review chat, I I went on and had a look","start":365.84,"end":373.155,"sentiment":"neutral","sentiment_score":0.038839612249284984}],"sentiment":"neutral","sentiment_score":0.038839612249284984,"channel":1,"num_words":20,"start":365.84,"end":373.155},{"sentences":[{"text":"Yeah.","start":373.15,"end":373.65,"sentiment":"neutral","sentiment_score":0.02063683606684208}],"sentiment":"neutral","sentiment_score":0.02063683606684208,"channel":0,"num_words":1,"start":373.15,"end":373.65},{"sentences":[{"text":"and noticed that the graph over the last sort","start":373.155,"end":377.475,"sentiment":"neutral","sentiment_score":-0.016725597696171865}],"sentiment":"neutral","sentiment_score":-0.016725597696171865,"channel":1,"num_words":9,"start":373.155,"end":377.475},{"sentences":[{"text":"Yep.","start":377.38998,"end":377.88998,"sentiment":"neutral","sentiment_score":-0.01983877271413803}],"sentiment":"neutral","sentiment_score":-0.01983877271413803,"channel":0,"num_words":1,"start":377.38998,"end":377.88998},{"sentences":[{"text":"of six months and how it kinda dipped around the whole, like, Iran war saga, you know, fuel saga.","start":377.475,"end":386.07,"sentiment":"neutral","sentiment_score":-0.06126997492423183}],"sentiment":"neutral","sentiment_score":-0.06126997492423183,"channel":1,"num_words":19,"start":377.475,"end":386.07},{"sentences":[{"text":"Yes.","start":385.965,"end":386.465,"sentiment":"neutral","sentiment_score":0.04360488057136536}],"sentiment":"neutral","sentiment_score":0.04360488057136536,"channel":0,"num_words":1,"start":385.965,"end":386.465},{"sentences":[{"text":"But that it's actually","start":387.01,"end":387.89,"sentiment":"neutral","sentiment_score":0.059272599406540394}],"sentiment":"neutral","sentiment_score":0.059272599406540394,"channel":1,"num_words":4,"start":387.01,"end":387.89},{"sentences":[{"text":"Yes.","start":387.645,"end":388.145,"sentiment":"neutral","sentiment_score":0.09008759260177612}],"sentiment":"neutral","sentiment_score":0.09008759260177612,"channel":0,"num_words":1,"start":387.645,"end":388.145},{"sentences":[{"text":"gone back","start":387.89,"end":388.37,"sentiment":"neutral","sentiment_score":0.11587795987725258}],"sentiment":"neutral","sentiment_score":0.11587795987725258,"channel":1,"num_words":2,"start":387.89,"end":388.37},{"sentences":[{"text":"Yeah.","start":388.285,"end":388.785,"sentiment":"neutral","sentiment_score":0.2610386908054352}],"sentiment":"neutral","sentiment_score":0.2610386908054352,"channel":0,"num_words":1,"start":388.285,"end":388.785},{"sentences":[{"text":"up again.","start":388.37,"end":388.93,"sentiment":"positive","sentiment_score":0.33675631880760193},{"text":"So that's quite positive.","start":388.93,"end":390.95,"sentiment":"positive","sentiment_score":0.5171644240617752},{"text":"So yeah.","start":391.25,"end":391.99002,"sentiment":"positive","sentiment_score":0.37854787707328796}],"sentiment":"positive","sentiment_score":0.4374082610011101,"channel":1,"num_words":8,"start":388.37,"end":391.99002},{"sentences":[{"text":"Absolutely.","start":393.405,"end":393.905,"sentiment":"neutral","sentiment_score":0.2732263207435608},{"text":"And when I sort of have a look at the graph, I also also have a look at what's happening globally and look at benchmarks.","start":394.285,"end":400.3,"sentiment":"neutral","sentiment_score":0.08825017482042313},{"text":"And the benchmark I tend to look at is the all ordinaries, and that gives us an idea of what the the whole ASX as a whole does.","start":400.36,"end":406.84,"sentiment":"neutral","sentiment_score":0.07367178225623709},{"text":"And your super","start":406.84,"end":407.63998,"sentiment":"neutral","sentiment_score":0.018379047513008118}],"sentiment":"neutral","sentiment_score":0.0806566269643474,"channel":0,"num_words":57,"start":393.405,"end":407.63998},{"sentences":[{"text":"Yep.","start":407.60498,"end":408.10498,"sentiment":"neutral","sentiment_score":-0.03722238540649414}],"sentiment":"neutral","sentiment_score":-0.03722238540649414,"channel":1,"num_words":1,"start":407.60498,"end":408.10498},{"sentences":[{"text":"has very much gone up and down in line with what the all ordinaries or what the market has as a whole.","start":407.63998,"end":413.16,"sentiment":"neutral","sentiment_score":-0.011556003750725225},{"text":"So there's nothing","start":413.16,"end":414.535,"sentiment":"neutral","sentiment_score":-0.1563159873088201}],"sentiment":"neutral","sentiment_score":-0.028927201777696608,"channel":0,"num_words":25,"start":407.63998,"end":414.535},{"sentences":[{"text":"Yeah.","start":414.21002,"end":414.71002,"sentiment":"negative","sentiment_score":-0.3779788613319397}],"sentiment":"negative","sentiment_score":-0.3779788613319397,"channel":1,"num_words":1,"start":414.21002,"end":414.71002},{"sentences":[{"text":"really that is flagging as really needs to be removed or altered because it is just following market reactions, which is good to know.","start":414.535,"end":421.355,"sentiment":"negative","sentiment_score":-0.3817138047888875},{"text":"And it did it did take a very big drop around about sort of the April 7 is when we saw quite a large dip there, and there was another run around about August 2024.","start":421.815,"end":432.41,"sentiment":"neutral","sentiment_score":-0.1828121183173997},{"text":"So you sort","start":432.41,"end":433.05,"sentiment":"neutral","sentiment_score":-0.03384819254279137}],"sentiment":"neutral","sentiment_score":-0.25259838763984943,"channel":0,"num_words":62,"start":414.535,"end":433.05},{"sentences":[{"text":"Yeah.","start":432.965,"end":433.465,"sentiment":"neutral","sentiment_score":-0.03401903808116913}],"sentiment":"neutral","sentiment_score":-0.03401903808116913,"channel":1,"num_words":1,"start":432.965,"end":433.465},{"sentences":[{"text":"of saw that dip in 2024.","start":433.05,"end":434.65,"sentiment":"neutral","sentiment_score":-0.07080373167991638},{"text":"It came back and recovered from that point onwards.","start":434.65,"end":436.99,"sentiment":"neutral","sentiment_score":-0.0823452878329489},{"text":"And then we saw another bit of a dip around March and then another bigger one at April 7, which is when the height of all that with The US","start":437.21,"end":443.91498,"sentiment":"neutral","sentiment_score":-0.04187777973711491}],"sentiment":"neutral","sentiment_score":-0.053828074948655234,"channel":0,"num_words":45,"start":433.05,"end":443.91498},{"sentences":[{"text":"Yeah.","start":443.86002,"end":443.94,"sentiment":"neutral","sentiment_score":-0.02895512618124485}],"sentiment":"neutral","sentiment_score":-0.02895512618124485,"channel":1,"num_words":1,"start":443.86002,"end":443.94},{"sentences":[{"text":"and","start":443.91498,"end":444.115,"sentiment":"neutral","sentiment_score":-0.03325127065181732}],"sentiment":"neutral","sentiment_score":-0.03325127065181732,"channel":0,"num_words":1,"start":443.91498,"end":444.115},{"sentences":[{"text":"Yeah.","start":443.94,"end":444.44,"sentiment":"neutral","sentiment_score":-0.03219415992498398}],"sentiment":"neutral","sentiment_score":-0.03219415992498398,"channel":1,"num_words":1,"start":443.94,"end":444.44},{"sentences":[{"text":"the Iran war was going on in the news.","start":444.115,"end":446.29498,"sentiment":"neutral","sentiment_score":-0.09496702502171199},{"text":"And then, yeah, it has definitely come back.","start":446.675,"end":448.675,"sentiment":"neutral","sentiment_score":0.08488246472552419},{"text":"And from about, you know, from there, we have gone back to higher than we were originally.","start":448.675,"end":455.655,"sentiment":"neutral","sentiment_score":0.09308911859989166}],"sentiment":"neutral","sentiment_score":0.041378573788439524,"channel":0,"num_words":34,"start":444.115,"end":455.655},{"sentences":[{"text":"Yeah.","start":456.005,"end":456.505,"sentiment":"neutral","sentiment_score":0.1823735535144806}],"sentiment":"neutral","sentiment_score":0.1823735535144806,"channel":1,"num_words":1,"start":456.005,"end":456.505},{"sentences":[{"text":"So it has it has definitely recovered out of that and has seen additional growth there.","start":456.03497,"end":461.59,"sentiment":"positive","sentiment_score":0.3389192735776305},{"text":"When I","start":461.65,"end":461.97,"sentiment":"neutral","sentiment_score":0.10894706845283508}],"sentiment":"neutral","sentiment_score":0.3133668063415421,"channel":0,"num_words":18,"start":456.03497,"end":461.97},{"sentences":[{"text":"Mhmm.","start":461.925,"end":462.425,"sentiment":"neutral","sentiment_score":0.08398044109344482}],"sentiment":"neutral","sentiment_score":0.08398044109344482,"channel":1,"num_words":1,"start":461.925,"end":462.425},{"sentences":[{"text":"look at how your investments are performing individually, and you'll see one of those attachments is the performance with internal rate of return.","start":461.97,"end":469.03,"sentiment":"neutral","sentiment_score":0.05570947443661482}],"sentiment":"neutral","sentiment_score":0.05570947443661482,"channel":0,"num_words":23,"start":461.97,"end":469.03},{"sentences":[{"text":"Yes.","start":469.5,"end":470.0,"sentiment":"neutral","sentiment_score":0.10223962366580965}],"sentiment":"neutral","sentiment_score":0.10223962366580965,"channel":1,"num_words":1,"start":469.5,"end":470.0},{"sentences":[{"text":"And that sort of breaks down how your investments are performing individually.","start":470.38498,"end":474.00497,"sentiment":"neutral","sentiment_score":0.1241395113368829},{"text":"Now everything is doing really well.","start":474.065,"end":476.16498,"sentiment":"positive","sentiment_score":0.5548026512066523},{"text":"You do have some s and p 500 for the top 500 companies in The US.","start":476.465,"end":480.705,"sentiment":"positive","sentiment_score":0.3511358182877302},{"text":"You've got some physical gold.","start":480.705,"end":482.145,"sentiment":"positive","sentiment_score":0.5127578616142273},{"text":"Both of those are performing nicely.","start":482.145,"end":483.925,"sentiment":"positive","sentiment_score":0.5344278216362}],"sentiment":"positive","sentiment_score":0.3601559860838784,"channel":0,"num_words":45,"start":470.38498,"end":483.925},{"sentences":[{"text":"We've had a","start":484.08,"end":484.56,"sentiment":"positive","sentiment_score":0.5615579883257548}],"sentiment":"positive","sentiment_score":0.5615579883257548,"channel":0,"num_words":3,"start":484.08,"end":484.56},{"sentences":[{"text":"Yep.","start":484.55502,"end":485.05502,"sentiment":"positive","sentiment_score":0.49106892943382263}],"sentiment":"positive","sentiment_score":0.49106892943382263,"channel":1,"num_words":1,"start":484.55502,"end":485.05502},{"sentences":[{"text":"1618% return on those net growth.","start":484.56,"end":487.93997,"sentiment":"positive","sentiment_score":0.5040117104848226},{"text":"We've also got some cybersecurity.","start":488.31998,"end":489.86,"sentiment":"positive","sentiment_score":0.36113813519477844},{"text":"You've also got some Australian equities in them, some agriculture,","start":490.4,"end":493.86,"sentiment":"neutral","sentiment_score":0.20654721707105636}],"sentiment":"neutral","sentiment_score":0.3283444337901615,"channel":0,"num_words":21,"start":484.56,"end":493.86},{"sentences":[{"text":"Yep.","start":493.72998,"end":494.22998,"sentiment":"neutral","sentiment_score":0.18305853009223935}],"sentiment":"neutral","sentiment_score":0.18305853009223935,"channel":1,"num_words":1,"start":493.72998,"end":494.22998},{"sentences":[{"text":"and also some infrastructure.","start":494.87997,"end":496.41998,"sentiment":"neutral","sentiment_score":0.1681567020714283},{"text":"And then you've","start":496.8,"end":497.43997,"sentiment":"neutral","sentiment_score":0.09910304844379425}],"sentiment":"neutral","sentiment_score":0.13856227908815658,"channel":0,"num_words":7,"start":494.87997,"end":497.43997},{"sentences":[{"text":"Yep.","start":497.33,"end":497.83,"sentiment":"neutral","sentiment_score":0.09833210706710815}],"sentiment":"neutral","sentiment_score":0.09833210706710815,"channel":1,"num_words":1,"start":497.33,"end":497.83},{"sentences":[{"text":"you've got your BANELON Australian equities portion in there.","start":497.43997,"end":500.04498,"sentiment":"neutral","sentiment_score":0.07986776447958416},{"text":"Now Bandalong was originally put in there as a managed fund.","start":500.04498,"end":503.10498,"sentiment":"neutral","sentiment_score":0.008996046825566074},{"text":"All","start":503.725,"end":503.965,"sentiment":"neutral","sentiment_score":0.02199430391192436}],"sentiment":"neutral","sentiment_score":0.03998860472901946,"channel":0,"num_words":21,"start":497.43997,"end":503.965},{"sentences":[{"text":"Mhmm.","start":503.72998,"end":504.22998,"sentiment":"neutral","sentiment_score":0.012216158211231232}],"sentiment":"neutral","sentiment_score":0.012216158211231232,"channel":1,"num_words":1,"start":503.72998,"end":504.22998},{"sentences":[{"text":"of your investments are performing very well, but you might have sort of noticed your Bandalong Australian equities is actually quite low.","start":503.965,"end":509.805,"sentiment":"neutral","sentiment_score":-0.04607916200025515},{"text":"It is showing an internal rate of return of down the 18.48%.","start":509.805,"end":514.8,"sentiment":"neutral","sentiment_score":-0.021762678399682045}],"sentiment":"neutral","sentiment_score":-0.03749687367064111,"channel":0,"num_words":34,"start":503.965,"end":514.8},{"sentences":[{"text":"Yep.","start":515.345,"end":515.845,"sentiment":"neutral","sentiment_score":0.022661572322249413}],"sentiment":"neutral","sentiment_score":0.022661572322249413,"channel":1,"num_words":1,"start":515.345,"end":515.845},{"sentences":[{"text":"Essentially, ban along when it what is originally put in your portfolio was meant to be an actively managed fund.","start":515.58,"end":520.46,"sentiment":"neutral","sentiment_score":0.00509290206246078},{"text":"So the investment manager of that fund is meant to be actively managing it to try and outperform against the market.","start":520.46,"end":526.24,"sentiment":"neutral","sentiment_score":0.04430766155322393}],"sentiment":"neutral","sentiment_score":0.025178510582119954,"channel":0,"num_words":41,"start":515.58,"end":526.24},{"sentences":[{"text":"Mhmm.","start":526.99,"end":527.49,"sentiment":"neutral","sentiment_score":0.011978195048868656}],"sentiment":"neutral","sentiment_score":0.011978195048868656,"channel":1,"num_words":1,"start":526.99,"end":527.49},{"sentences":[{"text":"Realistically, some managed funds can outperform against the market.","start":527.185,"end":531.02496,"sentiment":"neutral","sentiment_score":0.03906265625523196},{"text":"Others don't do it.","start":531.02496,"end":531.985,"sentiment":"neutral","sentiment_score":-0.14666098356246948},{"text":"They don't all do it every year.","start":531.985,"end":533.585,"sentiment":"neutral","sentiment_score":-0.16614453281675065},{"text":"It's not something they're all very good and consistent with doing.","start":533.585,"end":536.885,"sentiment":"neutral","sentiment_score":-0.09861905534159053}],"sentiment":"neutral","sentiment_score":-0.08009359246540454,"channel":0,"num_words":31,"start":527.185,"end":536.885},{"sentences":[{"text":"Yeah.","start":537.295,"end":537.795,"sentiment":"neutral","sentiment_score":-0.026499055325984955}],"sentiment":"neutral","sentiment_score":-0.026499055325984955,"channel":1,"num_words":1,"start":537.295,"end":537.795},{"sentences":[{"text":"But Benelon hasn't been able to outperform the market, and we are finding some of the underlying issues with Benelon are issues that are within the fund.","start":537.665,"end":545.7,"sentiment":"negative","sentiment_score":-0.3589599480231603},{"text":"So they're invested in funds that they can't get out of, that there's issues with their underlying investments.","start":545.92004,"end":550.82,"sentiment":"negative","sentiment_score":-0.3890990912914276},{"text":"So we actually don't see it as a good investment moving forward, and I wanted to kind of move all of our clients away from that.","start":550.96,"end":557.925,"sentiment":"negative","sentiment_score":-0.5493768487985318}],"sentiment":"negative","sentiment_score":-0.4363309902624345,"channel":0,"num_words":71,"start":537.665,"end":557.925},{"sentences":[{"text":"Yes.","start":558.22003,"end":558.72003,"sentiment":"neutral","sentiment_score":-0.10671113431453703}],"sentiment":"neutral","sentiment_score":-0.10671113431453703,"channel":1,"num_words":1,"start":558.22003,"end":558.72003},{"sentences":[{"text":"Just sort of having a look at because I'd love to definitely remove this from your portfolio and try to find something else there.","start":559.58496,"end":565.425,"sentiment":"neutral","sentiment_score":-0.12784082690874735},{"text":"We do have","start":565.425,"end":565.985,"sentiment":"neutral","sentiment_score":0.0651431456208229}],"sentiment":"neutral","sentiment_score":-0.10639816329435066,"channel":0,"num_words":27,"start":559.58496,"end":565.985},{"sentences":[{"text":"Yes.","start":565.955,"end":566.455,"sentiment":"neutral","sentiment_score":0.09110518544912338}],"sentiment":"neutral","sentiment_score":0.09110518544912338,"channel":1,"num_words":1,"start":565.955,"end":566.455},{"sentences":[{"text":"a couple of different options to look at for the replacement of that investment.","start":565.985,"end":570.06,"sentiment":"neutral","sentiment_score":0.060259565844067504},{"text":"But did you wanna look at something a bit more actively managed like what you have here, or did you wanna sort of look at a more of a low cost investment to replace that along?","start":570.76,"end":579.08,"sentiment":"neutral","sentiment_score":0.028552899240619607},{"text":"What would your thoughts be around that?","start":579.08,"end":580.935,"sentiment":"neutral","sentiment_score":-0.013017695397138596}],"sentiment":"neutral","sentiment_score":0.031235340819285626,"channel":0,"num_words":57,"start":565.985,"end":580.935},{"sentences":[{"text":"I'm wondering","start":588.90497,"end":589.64496,"sentiment":"neutral","sentiment_score":-0.020744197070598602}],"sentiment":"neutral","sentiment_score":-0.020744197070598602,"channel":1,"num_words":2,"start":588.90497,"end":589.64496},{"sentences":[{"text":"Yeah.","start":591.815,"end":592.315,"sentiment":"neutral","sentiment_score":-0.04570244997739792}],"sentiment":"neutral","sentiment_score":-0.04570244997739792,"channel":0,"num_words":1,"start":591.815,"end":592.315},{"sentences":[{"text":"so yeah.","start":593.545,"end":594.105,"sentiment":"neutral","sentiment_score":-0.06155002489686012},{"text":"Because I'm I'm not, like, super knowledgeable about,","start":594.105,"end":599.485,"sentiment":"neutral","sentiment_score":-0.18750816024839878}],"sentiment":"neutral","sentiment_score":-0.16231653317809105,"channel":1,"num_words":10,"start":593.545,"end":599.485},{"sentences":[{"text":"That's","start":599.67,"end":599.99,"sentiment":"neutral","sentiment_score":-0.20263338088989255}],"sentiment":"neutral","sentiment_score":-0.20263338088989255,"channel":0,"num_words":1,"start":599.67,"end":599.99},{"sentences":[{"text":"you know,","start":599.785,"end":600.26495,"sentiment":"neutral","sentiment_score":-0.2130417674779892}],"sentiment":"neutral","sentiment_score":-0.2130417674779892,"channel":1,"num_words":2,"start":599.785,"end":600.26495},{"sentences":[{"text":"okay.","start":599.99,"end":600.49,"sentiment":"neutral","sentiment_score":-0.14147630333900452}],"sentiment":"neutral","sentiment_score":-0.14147630333900452,"channel":0,"num_words":1,"start":599.99,"end":600.49},{"sentences":[{"text":"that that kind of thing.","start":600.26495,"end":601.545,"sentiment":"neutral","sentiment_score":-0.1720009356737137},{"text":"I mean, obviously,","start":601.545,"end":602.285,"sentiment":"neutral","sentiment_score":-0.08187351499994595}],"sentiment":"neutral","sentiment_score":-0.1382031529210508,"channel":1,"num_words":8,"start":600.26495,"end":602.285},{"sentences":[{"text":"Yeah.","start":602.07,"end":602.57,"sentiment":"neutral","sentiment_score":-0.021588198840618137}],"sentiment":"neutral","sentiment_score":-0.021588198840618137,"channel":0,"num_words":1,"start":602.07,"end":602.57},{"sentences":[{"text":"yes.","start":602.345,"end":602.58496,"sentiment":"neutral","sentiment_score":0.007689465768635273},{"text":"I can see","start":602.58496,"end":603.305,"sentiment":"neutral","sentiment_score":-0.0067402509351571415}],"sentiment":"neutral","sentiment_score":-0.0031328217592090377,"channel":1,"num_words":4,"start":602.345,"end":603.305},{"sentences":[{"text":"Yeah.","start":603.11,"end":603.61,"sentiment":"neutral","sentiment_score":-0.01663830503821373}],"sentiment":"neutral","sentiment_score":-0.01663830503821373,"channel":0,"num_words":1,"start":603.11,"end":603.61},{"sentences":[{"text":"that, you know, percentage","start":603.305,"end":605.89,"sentiment":"neutral","sentiment_score":-0.03425411693751812}],"sentiment":"neutral","sentiment_score":-0.03425411693751812,"channel":1,"num_words":4,"start":603.305,"end":605.89},{"sentences":[{"text":"Yeah.","start":605.92505,"end":606.42505,"sentiment":"neutral","sentiment_score":-0.05651728808879852}],"sentiment":"neutral","sentiment_score":-0.05651728808879852,"channel":0,"num_words":1,"start":605.92505,"end":606.42505},{"sentences":[{"text":"wise, it's it was a loss compared to everything","start":605.95,"end":609.79,"sentiment":"neutral","sentiment_score":-0.18736045724815792}],"sentiment":"neutral","sentiment_score":-0.18736045724815792,"channel":1,"num_words":9,"start":605.95,"end":609.79},{"sentences":[{"text":"Yes.","start":609.765,"end":610.265,"sentiment":"neutral","sentiment_score":-0.08885468542575836}],"sentiment":"neutral","sentiment_score":-0.08885468542575836,"channel":0,"num_words":1,"start":609.765,"end":610.265},{"sentences":[{"text":"else.","start":609.79,"end":610.29,"sentiment":"neutral","sentiment_score":-0.04947143793106079}],"sentiment":"neutral","sentiment_score":-0.04947143793106079,"channel":1,"num_words":1,"start":609.79,"end":610.29},{"sentences":[{"text":"Yeah.","start":611.525,"end":612.025,"sentiment":"neutral","sentiment_score":0.07323001325130463}],"sentiment":"neutral","sentiment_score":0.07323001325130463,"channel":0,"num_words":1,"start":611.525,"end":612.025},{"sentences":[{"text":"And I would be happy to go with, you know, whatever is advised in terms of if there if there is a yeah.","start":612.03,"end":619.01,"sentiment":"neutral","sentiment_score":0.17680551597605582},{"text":"Something that is","start":619.995,"end":620.875,"sentiment":"neutral","sentiment_score":0.05147349834442139}],"sentiment":"neutral","sentiment_score":0.16234412932625183,"channel":1,"num_words":26,"start":612.03,"end":620.875},{"sentences":[{"text":"Yeah.","start":620.66,"end":620.82,"sentiment":"neutral","sentiment_score":0.1290624737739563},{"text":"Absolutely.","start":620.82,"end":621.32,"sentiment":"neutral","sentiment_score":0.31691503524780273}],"sentiment":"neutral","sentiment_score":0.22298875451087952,"channel":0,"num_words":2,"start":620.66,"end":621.32},{"sentences":[{"text":"showing, you know, a good growth.","start":620.875,"end":623.85504,"sentiment":"positive","sentiment_score":0.3814503649870555}],"sentiment":"positive","sentiment_score":0.3814503649870555,"channel":1,"num_words":6,"start":620.875,"end":623.85504},{"sentences":[{"text":"Yeah.","start":624.42,"end":624.92,"sentiment":"neutral","sentiment_score":0.16463473439216614}],"sentiment":"neutral","sentiment_score":0.16463473439216614,"channel":0,"num_words":1,"start":624.42,"end":624.92},{"sentences":[{"text":"Yeah.","start":624.875,"end":625.375,"sentiment":"neutral","sentiment_score":0.17470115423202515}],"sentiment":"neutral","sentiment_score":0.17470115423202515,"channel":1,"num_words":1,"start":624.875,"end":625.375},{"sentences":[{"text":"Absolutely.","start":625.22,"end":625.72,"sentiment":"neutral","sentiment_score":0.2020758092403412}],"sentiment":"neutral","sentiment_score":0.2020758092403412,"channel":0,"num_words":1,"start":625.22,"end":625.72},{"sentences":[{"text":"But yeah.","start":625.755,"end":626.815,"sentiment":"neutral","sentiment_score":0.12614213675260544}],"sentiment":"neutral","sentiment_score":0.12614213675260544,"channel":1,"num_words":2,"start":625.755,"end":626.815},{"sentences":[{"text":"Yeah.","start":626.74,"end":627.24,"sentiment":"neutral","sentiment_score":0.19776961207389832},{"text":"Perfect.","start":628.33997,"end":628.83997,"sentiment":"neutral","sentiment_score":0.32713818550109863},{"text":"No.","start":629.315,"end":629.475,"sentiment":"neutral","sentiment_score":0.030758246779441833},{"text":"That's okay.","start":629.475,"end":630.21497,"sentiment":"neutral","sentiment_score":0.11057707294821739},{"text":"What I can definitely look at for you to make it a bit easier if you like is obviously the cost side of things.","start":630.355,"end":635.075,"sentiment":"neutral","sentiment_score":0.24468489301701388}],"sentiment":"neutral","sentiment_score":0.22928474560893816,"channel":0,"num_words":29,"start":626.74,"end":635.075},{"sentences":[{"text":"So we can look at how much you were paying for that manage fund and management fees and maybe look at something a bit more lower cost, which has","start":635.075,"end":642.595,"sentiment":"neutral","sentiment_score":0.12593803503390016}],"sentiment":"neutral","sentiment_score":0.12593803503390016,"channel":0,"num_words":29,"start":635.075,"end":642.595},{"sentences":[{"text":"Yes.","start":642.57,"end":643.07,"sentiment":"neutral","sentiment_score":0.3244563937187195}],"sentiment":"neutral","sentiment_score":0.3244563937187195,"channel":1,"num_words":1,"start":642.57,"end":643.07},{"sentences":[{"text":"provided a greater level of past return, but also maybe puts more diversification in there.","start":642.595,"end":647.74,"sentiment":"neutral","sentiment_score":0.2732749472061793},{"text":"So one of the things I like to look at as an adviser is with Benelon, they hold anywhere between 15 to 20 different investment options depending on what they're invested in.","start":647.74,"end":657.135,"sentiment":"neutral","sentiment_score":0.0988954461645335},{"text":"Whereas there's","start":657.295,"end":657.855,"sentiment":"neutral","sentiment_score":-0.03012833744287491}],"sentiment":"neutral","sentiment_score":0.14701064919330636,"channel":0,"num_words":49,"start":642.595,"end":657.855},{"sentences":[{"text":"Okay.","start":657.67505,"end":658.17505,"sentiment":"neutral","sentiment_score":-0.037734780460596085}],"sentiment":"neutral","sentiment_score":-0.037734780460596085,"channel":1,"num_words":1,"start":657.67505,"end":658.17505},{"sentences":[{"text":"other investments out there that might hold a lot more of Australian equities or more investments within their funds, which can give you","start":657.855,"end":665.215,"sentiment":"neutral","sentiment_score":0.05731529021716636}],"sentiment":"neutral","sentiment_score":0.05731529021716636,"channel":0,"num_words":23,"start":657.855,"end":665.215},{"sentences":[{"text":"Mhmm.","start":664.99005,"end":665.49005,"sentiment":"neutral","sentiment_score":0.05010048672556877}],"sentiment":"neutral","sentiment_score":0.05010048672556877,"channel":1,"num_words":1,"start":664.99005,"end":665.49005},{"sentences":[{"text":"a greater diversification and might actually be a bit more low cost.","start":665.215,"end":668.59503,"sentiment":"neutral","sentiment_score":0.21109375730156898},{"text":"Would you like me","start":668.895,"end":669.53503,"sentiment":"neutral","sentiment_score":0.10310305282473564}],"sentiment":"neutral","sentiment_score":0.18409608118236065,"channel":0,"num_words":16,"start":665.215,"end":669.53503},{"sentences":[{"text":"Yes.","start":669.47003,"end":669.97003,"sentiment":"neutral","sentiment_score":0.15865351259708405}],"sentiment":"neutral","sentiment_score":0.15865351259708405,"channel":1,"num_words":1,"start":669.47003,"end":669.97003},{"sentences":[{"text":"to sort of weigh up those options and see what sort of is preferable, how it looks, what puts you in a greater position down the track, and maybe make a recommendation on switching that investment out for you?","start":669.53503,"end":680.05,"sentiment":"neutral","sentiment_score":0.15683110172931963}],"sentiment":"neutral","sentiment_score":0.15683110172931963,"channel":0,"num_words":39,"start":669.53503,"end":680.05},{"sentences":[{"text":"Yes.","start":680.27496,"end":680.675,"sentiment":"neutral","sentiment_score":0.2845369577407837},{"text":"I would like that.","start":680.675,"end":681.475,"sentiment":"positive","sentiment_score":0.4697859361767769},{"text":"Thank you.","start":681.475,"end":682.21497,"sentiment":"positive","sentiment_score":0.6151895821094513}],"sentiment":"positive","sentiment_score":0.4848656952381134,"channel":1,"num_words":7,"start":680.27496,"end":682.21497},{"sentences":[{"text":"Yeah?","start":681.87,"end":682.37,"sentiment":"neutral","sentiment_score":0.25951558351516724},{"text":"That's okay.","start":683.10504,"end":683.905,"sentiment":"neutral","sentiment_score":0.25199972093105316},{"text":"Not a problem at all.","start":683.905,"end":685.10504,"sentiment":"neutral","sentiment_score":0.19893700778484344},{"text":"It's always good to check.","start":685.10504,"end":686.22504,"sentiment":"neutral","sentiment_score":0.15700009167194368},{"text":"Not everyone sort of knows what they're after with investments, but it's always sort of good to check because some people have more of a preference than others.","start":686.22504,"end":692.945,"sentiment":"neutral","sentiment_score":0.07937818645898785}],"sentiment":"neutral","sentiment_score":0.1162387742320212,"channel":0,"num_words":41,"start":681.87,"end":692.945},{"sentences":[{"text":"So I do like","start":692.945,"end":693.66504,"sentiment":"neutral","sentiment_score":0.2620076797902584}],"sentiment":"neutral","sentiment_score":0.2620076797902584,"channel":0,"num_words":4,"start":692.945,"end":693.66504},{"sentences":[{"text":"Yeah.","start":693.66003,"end":694.16003,"sentiment":"neutral","sentiment_score":0.3060687184333801}],"sentiment":"neutral","sentiment_score":0.3060687184333801,"channel":1,"num_words":1,"start":693.66003,"end":694.16003},{"sentences":[{"text":"to kinda gauge how everyone's feeling.","start":693.66504,"end":695.42505,"sentiment":"neutral","sentiment_score":0.25379638373851776},{"text":"But I can have a look at all the different options for you, look at what's gonna work out better for you.","start":695.42505,"end":700.23,"sentiment":"neutral","sentiment_score":0.27437443150715396},{"text":"We","start":700.61,"end":700.93,"sentiment":"neutral","sentiment_score":0.11221081763505936}],"sentiment":"neutral","sentiment_score":0.26452505562839834,"channel":0,"num_words":29,"start":693.66504,"end":700.93},{"sentences":[{"text":"Yeah.","start":700.62,"end":701.12,"sentiment":"neutral","sentiment_score":0.1947251558303833}],"sentiment":"neutral","sentiment_score":0.1947251558303833,"channel":1,"num_words":1,"start":700.62,"end":701.12},{"sentences":[{"text":"do update the advice to reflect the changes, show you the cost, the outcomes, the projection side of things, so then you can","start":700.93,"end":707.41,"sentiment":"neutral","sentiment_score":0.14740657806396484}],"sentiment":"neutral","sentiment_score":0.14740657806396484,"channel":0,"num_words":23,"start":700.93,"end":707.41},{"sentences":[{"text":"Yep.","start":707.395,"end":707.895,"sentiment":"neutral","sentiment_score":0.14188534021377563}],"sentiment":"neutral","sentiment_score":0.14188534021377563,"channel":1,"num_words":1,"start":707.395,"end":707.895},{"sentences":[{"text":"decide whether you're happy to take that advice.","start":707.41,"end":709.32996,"sentiment":"neutral","sentiment_score":0.13448261376470327},{"text":"Does that sound okay?","start":709.32996,"end":710.47,"sentiment":"neutral","sentiment_score":0.1432456560432911}],"sentiment":"neutral","sentiment_score":0.13740362785756588,"channel":0,"num_words":12,"start":707.41,"end":710.47},{"sentences":[{"text":"Yes.","start":710.67505,"end":711.075,"sentiment":"neutral","sentiment_score":0.26893150806427},{"text":"That sounds great.","start":711.075,"end":711.79504,"sentiment":"positive","sentiment_score":0.5471429427464803},{"text":"Thank you.","start":711.79504,"end":712.53503,"sentiment":"positive","sentiment_score":0.5742472410202026}],"sentiment":"positive","sentiment_score":0.509809136390686,"channel":1,"num_words":6,"start":710.67505,"end":712.53503},{"sentences":[{"text":"That's okay.","start":712.875,"end":713.515,"sentiment":"neutral","sentiment_score":0.26311321556568146},{"text":"That's not a problem at all.","start":713.515,"end":715.195,"sentiment":"neutral","sentiment_score":0.23701944450537363},{"text":"We just sort of had a really good look, and I'd like to double check what's happening with your funds there.","start":715.195,"end":719.195,"sentiment":"neutral","sentiment_score":0.1615706327415648},{"text":"And I sort of noted when Bennelong hasn't been performing, we are best to try and remove that now rather than down the track.","start":719.195,"end":724.97504,"sentiment":"neutral","sentiment_score":-0.10528524421776335}],"sentiment":"neutral","sentiment_score":0.05310340612283293,"channel":0,"num_words":53,"start":712.875,"end":724.97504},{"sentences":[{"text":"Yes.","start":725.18,"end":725.68,"sentiment":"neutral","sentiment_score":-0.03403879702091217},{"text":"That's","start":725.98,"end":726.22,"sentiment":"neutral","sentiment_score":-0.07286905497312546}],"sentiment":"neutral","sentiment_score":-0.053453925997018814,"channel":1,"num_words":2,"start":725.18,"end":726.22},{"sentences":[{"text":"Essentially,","start":726.06,"end":726.38,"sentiment":"neutral","sentiment_score":-0.06302763521671295}],"sentiment":"neutral","sentiment_score":-0.06302763521671295,"channel":0,"num_words":1,"start":726.06,"end":726.38},{"sentences":[{"text":"fine.","start":726.22,"end":726.72,"sentiment":"neutral","sentiment_score":-0.006546225398778915}],"sentiment":"neutral","sentiment_score":-0.006546225398778915,"channel":1,"num_words":1,"start":726.22,"end":726.72},{"sentences":[{"text":"while it has seen a little bit of a loss, we don't want that loss to compound further.","start":726.38,"end":730.38,"sentiment":"neutral","sentiment_score":-0.23601725159419906},{"text":"So we don't want","start":730.38,"end":731.1,"sentiment":"neutral","sentiment_score":-0.15086790919303894}],"sentiment":"neutral","sentiment_score":-0.22053555297580632,"channel":0,"num_words":22,"start":726.38,"end":731.1},{"sentences":[{"text":"Yeah.","start":731.055,"end":731.555,"sentiment":"neutral","sentiment_score":-0.14169569313526154}],"sentiment":"neutral","sentiment_score":-0.14169569313526154,"channel":1,"num_words":1,"start":731.055,"end":731.555},{"sentences":[{"text":"you invested in anything that's been underperforming.","start":731.1,"end":733.12,"sentiment":"neutral","sentiment_score":-0.21927396527358464},{"text":"Fantastic.","start":733.89996,"end":734.39996,"sentiment":"positive","sentiment_score":0.38787785172462463}],"sentiment":"neutral","sentiment_score":-0.14337998814880848,"channel":0,"num_words":8,"start":731.1,"end":734.39996},{"sentences":[{"text":"Yep.","start":733.935,"end":734.435,"sentiment":"neutral","sentiment_score":0.18841469287872312},{"text":"Sounds good.","start":734.57495,"end":735.21497,"sentiment":"positive","sentiment_score":0.36506281793117523},{"text":"Yep.","start":735.21497,"end":735.71497,"sentiment":"neutral","sentiment_score":0.19884821772575376}],"sentiment":"neutral","sentiment_score":0.27934713661670685,"channel":1,"num_words":4,"start":733.935,"end":735.71497},{"sentences":[{"text":"Excellent.","start":735.89996,"end":736.39996,"sentiment":"positive","sentiment_score":0.41705596446990967},{"text":"Now the other thing to sort of have a look at is the way you are invested.","start":737.25995,"end":740.325,"sentiment":"neutral","sentiment_score":0.10583671335788335},{"text":"Now you are more of a growth sort of portfolio.","start":740.405,"end":742.66504,"sentiment":"neutral","sentiment_score":0.1366908647119999},{"text":"And when we have a look at your time horizon, that portfolio does generally suit your time horizon pretty well.","start":743.125,"end":749.145,"sentiment":"neutral","sentiment_score":0.17864316292107105},{"text":"What a growth portfolio tends to see is about 80% of your future invested in growth assets.","start":749.685,"end":754.805,"sentiment":"neutral","sentiment_score":0.17114796084077918}],"sentiment":"neutral","sentiment_score":0.15485488202136297,"channel":0,"num_words":65,"start":735.89996,"end":754.805},{"sentences":[{"text":"So think of things like Australian shares, international shares, listed property, and also commodities like gold and silver.","start":754.805,"end":760.93,"sentiment":"neutral","sentiment_score":0.15385366562339994}],"sentiment":"neutral","sentiment_score":0.15385366562339994,"channel":0,"num_words":18,"start":754.805,"end":760.93},{"sentences":[{"text":"Yes.","start":761.525,"end":762.025,"sentiment":"neutral","sentiment_score":0.2431604564189911}],"sentiment":"neutral","sentiment_score":0.2431604564189911,"channel":1,"num_words":1,"start":761.525,"end":762.025},{"sentences":[{"text":"And then the other 20% in lower risk investments, things like cash, bonds, and fixed interest.","start":761.55,"end":767.17,"sentiment":"neutral","sentiment_score":0.2045022239908576}],"sentiment":"neutral","sentiment_score":0.2045022239908576,"channel":0,"num_words":16,"start":761.55,"end":767.17},{"sentences":[{"text":"Yep.","start":767.685,"end":768.185,"sentiment":"neutral","sentiment_score":0.2230265736579895}],"sentiment":"neutral","sentiment_score":0.2230265736579895,"channel":1,"num_words":1,"start":767.685,"end":768.185},{"sentences":[{"text":"Having a look at where your at time horizon was, now you're still very young.","start":768.775,"end":772.855,"sentiment":"neutral","sentiment_score":0.19493026038010916},{"text":"You've got a lot of time ahead of you here.","start":772.855,"end":774.695,"sentiment":"neutral","sentiment_score":0.30534117221832274},{"text":"So date of birth is '83.","start":774.695,"end":776.715,"sentiment":"neutral","sentiment_score":0.09846655651926994}],"sentiment":"neutral","sentiment_score":0.21187628925808014,"channel":0,"num_words":31,"start":768.775,"end":776.715},{"sentences":[{"text":"Yes.","start":777.2,"end":777.7,"sentiment":"neutral","sentiment_score":0.2940882742404938}],"sentiment":"neutral","sentiment_score":0.2940882742404938,"channel":1,"num_words":1,"start":777.2,"end":777.7},{"sentences":[{"text":"Just sort of looking forward at your goal around the time and aspect, and I know you've got a lot of time ahead of you before you reach that.","start":778.055,"end":781.895,"sentiment":"positive","sentiment_score":0.4046173470801321},{"text":"But I But are you sort of hoping to be able to access super around about the age of 60 at the earliest possible, or are you sort of hoping or wanting to work a bit longer?","start":781.895,"end":795.22003,"sentiment":"neutral","sentiment_score":0.09610863110503635},{"text":"What's your long term retirement goal look like?","start":795.44,"end":798.075,"sentiment":"neutral","sentiment_score":0.08261121576651931}],"sentiment":"neutral","sentiment_score":0.2155515154370585,"channel":0,"num_words":74,"start":778.055,"end":798.075},{"sentences":[{"text":"Yeah.","start":799.49005,"end":799.99005,"sentiment":"neutral","sentiment_score":0.10774873942136765},{"text":"Yeah.","start":802.21,"end":802.53,"sentiment":"neutral","sentiment_score":0.11266909539699554},{"text":"I think for me, because of the nature of my work, I could probably","start":802.53,"end":808.935,"sentiment":"neutral","sentiment_score":0.14330471839223588}],"sentiment":"neutral","sentiment_score":0.1391677432693541,"channel":1,"num_words":16,"start":799.49005,"end":808.935},{"sentences":[{"text":"Yeah.","start":808.555,"end":809.055,"sentiment":"neutral","sentiment_score":0.09471183270215988}],"sentiment":"neutral","sentiment_score":0.09471183270215988,"channel":0,"num_words":1,"start":808.555,"end":809.055},{"sentences":[{"text":"continue doing it even in a part time capacity for","start":808.995,"end":812.835,"sentiment":"neutral","sentiment_score":0.15651737228035928}],"sentiment":"neutral","sentiment_score":0.15651737228035928,"channel":1,"num_words":10,"start":808.995,"end":812.835},{"sentences":[{"text":"Okay.","start":812.57,"end":813.07,"sentiment":"neutral","sentiment_score":0.0958491712808609}],"sentiment":"neutral","sentiment_score":0.0958491712808609,"channel":0,"num_words":1,"start":812.57,"end":813.07},{"sentences":[{"text":"as long as, you know, my my brain is functional.","start":812.835,"end":815.735,"sentiment":"neutral","sentiment_score":0.0722580149769783}],"sentiment":"neutral","sentiment_score":0.0722580149769783,"channel":1,"num_words":10,"start":812.835,"end":815.735},{"sentences":[{"text":"Yeah.","start":816.49005,"end":816.99005,"sentiment":"neutral","sentiment_score":0.022722497582435608}],"sentiment":"neutral","sentiment_score":0.022722497582435608,"channel":0,"num_words":1,"start":816.49005,"end":816.99005},{"sentences":[{"text":"So in terms of retirement, it would probably be like, I wouldn't take complete retirement at that age.","start":817.395,"end":826.99,"sentiment":"neutral","sentiment_score":-0.06110571862922774}],"sentiment":"neutral","sentiment_score":-0.06110571862922774,"channel":1,"num_words":18,"start":817.395,"end":826.99},{"sentences":[{"text":"Yeah.","start":828.02496,"end":828.52496,"sentiment":"neutral","sentiment_score":0.10104973614215852}],"sentiment":"neutral","sentiment_score":0.10104973614215852,"channel":0,"num_words":1,"start":828.02496,"end":828.52496},{"sentences":[{"text":"I'll probably continue to work part time, you know, into my sixties.","start":828.08997,"end":831.87,"sentiment":"neutral","sentiment_score":0.126594307521979}],"sentiment":"neutral","sentiment_score":0.126594307521979,"channel":1,"num_words":12,"start":828.08997,"end":831.87},{"sentences":[{"text":"Okay.","start":832.665,"end":833.165,"sentiment":"neutral","sentiment_score":0.05968567728996277}],"sentiment":"neutral","sentiment_score":0.05968567728996277,"channel":0,"num_words":1,"start":832.665,"end":833.165},{"sentences":[{"text":"And so yeah.","start":833.415,"end":834.955,"sentiment":"neutral","sentiment_score":0.03296775619188944},{"text":"So so I haven't you know?","start":835.095,"end":837.335,"sentiment":"neutral","sentiment_score":-0.00364160646374027},{"text":"Yeah.","start":837.335,"end":837.65497,"sentiment":"neutral","sentiment_score":-0.10814276337623596},{"text":"I don't see, like, a a full retirement kind of until, yeah, quite a bit along.","start":837.65497,"end":843.915,"sentiment":"neutral","sentiment_score":-0.14625041978433728}],"sentiment":"neutral","sentiment_score":-0.09119599423586176,"channel":1,"num_words":26,"start":833.415,"end":843.915},{"sentences":[{"text":"Yeah.","start":844.68,"end":845.0,"sentiment":"neutral","sentiment_score":-0.0024726279079914093},{"text":"No.","start":845.0,"end":845.24,"sentiment":"neutral","sentiment_score":-0.0403616763651371}],"sentiment":"neutral","sentiment_score":-0.021417152136564255,"channel":0,"num_words":2,"start":844.68,"end":845.24},{"sentences":[{"text":"Obviously,","start":845.015,"end":845.415,"sentiment":"neutral","sentiment_score":0.01091636624187231}],"sentiment":"neutral","sentiment_score":0.01091636624187231,"channel":1,"num_words":1,"start":845.015,"end":845.415},{"sentences":[{"text":"That's","start":845.24,"end":845.56,"sentiment":"neutral","sentiment_score":0.17905673384666443}],"sentiment":"neutral","sentiment_score":0.17905673384666443,"channel":0,"num_words":1,"start":845.24,"end":845.56},{"sentences":[{"text":"things","start":845.415,"end":845.735,"sentiment":"neutral","sentiment_score":0.33226677775382996}],"sentiment":"neutral","sentiment_score":0.33226677775382996,"channel":1,"num_words":1,"start":845.415,"end":845.735},{"sentences":[{"text":"perfect.","start":845.56,"end":846.06,"sentiment":"neutral","sentiment_score":0.23429334163665771}],"sentiment":"neutral","sentiment_score":0.23429334163665771,"channel":0,"num_words":1,"start":845.56,"end":846.06},{"sentences":[{"text":"contained.","start":845.735,"end":846.235,"sentiment":"neutral","sentiment_score":0.0831497311592102},{"text":"You","start":846.935,"end":847.175,"sentiment":"neutral","sentiment_score":0.06776056438684464}],"sentiment":"neutral","sentiment_score":0.07545514777302742,"channel":1,"num_words":2,"start":845.735,"end":847.175},{"sentences":[{"text":"Yep.","start":847.115,"end":847.615,"sentiment":"neutral","sentiment_score":0.1090553030371666}],"sentiment":"neutral","sentiment_score":0.1090553030371666,"channel":0,"num_words":1,"start":847.115,"end":847.615},{"sentences":[{"text":"you know?","start":847.175,"end":847.575,"sentiment":"neutral","sentiment_score":0.05550357326865196},{"text":"We don't know, but I'm sort of anticipating with all going well, my health and everything going well, and me being able to continue working.","start":847.575,"end":855.22003,"sentiment":"neutral","sentiment_score":0.2592376757413149},{"text":"Yeah.","start":856.32,"end":856.82,"sentiment":"neutral","sentiment_score":0.11784547567367554},{"text":"So and, yeah, my husband's also got well, not my husband, not but we, as in our family, we you know, we've got properties, etcetera, because my husband runs his own","start":857.36,"end":867.975,"sentiment":"neutral","sentiment_score":0.09364218625330156}],"sentiment":"neutral","sentiment_score":0.16292715745078304,"channel":1,"num_words":59,"start":847.175,"end":867.975},{"sentences":[{"text":"Yeah.","start":867.93,"end":868.43,"sentiment":"neutral","sentiment_score":0.07202675938606262}],"sentiment":"neutral","sentiment_score":0.07202675938606262,"channel":0,"num_words":1,"start":867.93,"end":868.43},{"sentences":[{"text":"business.","start":867.975,"end":868.375,"sentiment":"neutral","sentiment_score":0.06741365790367126},{"text":"So he's","start":868.375,"end":869.33496,"sentiment":"neutral","sentiment_score":0.06822407245635986}],"sentiment":"neutral","sentiment_score":0.06795393427213033,"channel":1,"num_words":3,"start":867.975,"end":869.33496},{"sentences":[{"text":"Yes.","start":869.13,"end":869.63,"sentiment":"neutral","sentiment_score":0.1217980980873108}],"sentiment":"neutral","sentiment_score":0.1217980980873108,"channel":0,"num_words":1,"start":869.13,"end":869.63},{"sentences":[{"text":"we bought properties as an investment and sent for him because because he doesn't really have much in a super fund per se.","start":869.735,"end":877.99005,"sentiment":"neutral","sentiment_score":0.057632016483694315},{"text":"Yeah.","start":878.45,"end":878.95,"sentiment":"neutral","sentiment_score":0.10111983120441435}],"sentiment":"neutral","sentiment_score":0.05944400876372432,"channel":1,"num_words":24,"start":869.735,"end":878.95},{"sentences":[{"text":"Yep.","start":878.66504,"end":878.825,"sentiment":"neutral","sentiment_score":0.09185444563627244},{"text":"Right.","start":878.825,"end":879.325,"sentiment":"neutral","sentiment_score":0.11008364707231522}],"sentiment":"neutral","sentiment_score":0.10096904635429382,"channel":0,"num_words":2,"start":878.66504,"end":879.325},{"sentences":[{"text":"So","start":879.41003,"end":879.81006,"sentiment":"neutral","sentiment_score":0.12191742658615112}],"sentiment":"neutral","sentiment_score":0.12191742658615112,"channel":1,"num_words":1,"start":879.41003,"end":879.81006},{"sentences":[{"text":"Yep.","start":879.78503,"end":880.28503,"sentiment":"neutral","sentiment_score":0.12981478869915009}],"sentiment":"neutral","sentiment_score":0.12981478869915009,"channel":0,"num_words":1,"start":879.78503,"end":880.28503},{"sentences":[{"text":"yeah.","start":879.89,"end":880.39,"sentiment":"neutral","sentiment_score":0.17406508326530457}],"sentiment":"neutral","sentiment_score":0.17406508326530457,"channel":1,"num_words":1,"start":879.89,"end":880.39},{"sentences":[{"text":"That's okay.","start":881.465,"end":882.265,"sentiment":"neutral","sentiment_score":0.22351904213428497},{"text":"So with the Goldie investment properties, you've got two at the moment.","start":882.265,"end":885.405,"sentiment":"neutral","sentiment_score":0.10072018671780825},{"text":"You kinda mentioned that you weren't","start":885.95996,"end":887.24,"sentiment":"neutral","sentiment_score":-0.005813738331198692}],"sentiment":"neutral","sentiment_score":0.08103989474475384,"channel":0,"num_words":20,"start":881.465,"end":887.24},{"sentences":[{"text":"No.","start":887.115,"end":887.615,"sentiment":"neutral","sentiment_score":-0.04168993607163429}],"sentiment":"neutral","sentiment_score":-0.04168993607163429,"channel":1,"num_words":1,"start":887.115,"end":887.615},{"sentences":[{"text":"looking to buy any more in the short term at the moment, but is your goal to","start":887.24,"end":890.36,"sentiment":"neutral","sentiment_score":-0.024961781030630365}],"sentiment":"neutral","sentiment_score":-0.024961781030630365,"channel":0,"num_words":17,"start":887.24,"end":890.36},{"sentences":[{"text":"Yeah.","start":890.235,"end":890.735,"sentiment":"neutral","sentiment_score":0.02747846022248268}],"sentiment":"neutral","sentiment_score":0.02747846022248268,"channel":1,"num_words":1,"start":890.235,"end":890.735},{"sentences":[{"text":"have more properties down the track to sort of supplement super as income in retirement, or what's your goal with those at the moment?","start":890.36,"end":898.22,"sentiment":"neutral","sentiment_score":0.05554252490401268}],"sentiment":"neutral","sentiment_score":0.05554252490401268,"channel":0,"num_words":24,"start":890.36,"end":898.22},{"sentences":[{"text":"We might, yeah, we might look at that as well.","start":897.915,"end":900.38,"sentiment":"neutral","sentiment_score":0.031516438163816926},{"text":"Yeah.","start":900.38,"end":900.78,"sentiment":"neutral","sentiment_score":0.02837980166077614},{"text":"So maybe","start":900.78,"end":901.44,"sentiment":"neutral","sentiment_score":0.02774019166827202}],"sentiment":"neutral","sentiment_score":0.03069419743349919,"channel":1,"num_words":13,"start":897.915,"end":901.44},{"sentences":[{"text":"Yep.","start":901.215,"end":901.715,"sentiment":"neutral","sentiment_score":0.03159081190824509}],"sentiment":"neutral","sentiment_score":0.03159081190824509,"channel":0,"num_words":1,"start":901.215,"end":901.715},{"sentences":[{"text":"another property down the line, we may look at commercial property.","start":901.5,"end":905.52,"sentiment":"neutral","sentiment_score":0.025217450139197437},{"text":"Yeah.","start":907.18,"end":907.68,"sentiment":"neutral","sentiment_score":0.04571458697319031},{"text":"So yep.","start":908.3,"end":909.36005,"sentiment":"neutral","sentiment_score":0.05280638113617897}],"sentiment":"neutral","sentiment_score":0.030622807198337147,"channel":1,"num_words":14,"start":901.5,"end":909.36005},{"sentences":[{"text":"Yep.","start":909.775,"end":910.255,"sentiment":"neutral","sentiment_score":0.0593661293387413},{"text":"No.","start":910.255,"end":910.495,"sentiment":"neutral","sentiment_score":0.06345383822917938},{"text":"That's okay.","start":910.495,"end":911.055,"sentiment":"neutral","sentiment_score":0.17182088643312454},{"text":"That's perfect.","start":911.055,"end":911.695,"sentiment":"positive","sentiment_score":0.6258953809738159},{"text":"It kinda gives me an idea of where we're tracking.","start":911.695,"end":913.695,"sentiment":"positive","sentiment_score":0.3685080766677856}],"sentiment":"positive","sentiment_score":0.33770832931622863,"channel":0,"num_words":16,"start":909.775,"end":913.695},{"sentences":[{"text":"So, I mean, realistically, the way I sort of see things at the moment is you're wanting to build your super as much as possible because your super is the one that's gonna be relied on down the track, but then supplementing","start":913.695,"end":923.35,"sentiment":"neutral","sentiment_score":0.2317943125963211}],"sentiment":"neutral","sentiment_score":0.2317943125963211,"channel":0,"num_words":42,"start":913.695,"end":923.35},{"sentences":[{"text":"Yes.","start":922.985,"end":923.485,"sentiment":"neutral","sentiment_score":0.1728472262620926}],"sentiment":"neutral","sentiment_score":0.1728472262620926,"channel":1,"num_words":1,"start":922.985,"end":923.485},{"sentences":[{"text":"that by maybe working longer and part time if you can or if you're comfortable doing that when you hit the the sixties, but","start":923.57,"end":931.16504,"sentiment":"neutral","sentiment_score":0.15470938043047985}],"sentiment":"neutral","sentiment_score":0.15470938043047985,"channel":0,"num_words":24,"start":923.57,"end":931.16504},{"sentences":[{"text":"Yeah.","start":931.14,"end":931.64,"sentiment":"neutral","sentiment_score":0.11872952431440352}],"sentiment":"neutral","sentiment_score":0.11872952431440352,"channel":1,"num_words":1,"start":931.14,"end":931.64},{"sentences":[{"text":"also then long term, having that investment income coming from those properties to supplement what's coming out of your super to provide that longevity.","start":931.16504,"end":938.78503,"sentiment":"neutral","sentiment_score":0.22743411734700203},{"text":"Am I on the right track with that?","start":938.925,"end":940.705,"sentiment":"neutral","sentiment_score":0.1189848268404603}],"sentiment":"neutral","sentiment_score":0.2003217947203666,"channel":0,"num_words":32,"start":931.16504,"end":940.705},{"sentences":[{"text":"Yeah.","start":941.15497,"end":941.395,"sentiment":"neutral","sentiment_score":0.08884642273187637},{"text":"That's that's correct.","start":941.395,"end":942.355,"sentiment":"neutral","sentiment_score":0.1142160991827647}],"sentiment":"neutral","sentiment_score":0.10787368007004261,"channel":1,"num_words":4,"start":941.15497,"end":942.355},{"sentences":[{"text":"Yeah.","start":942.1,"end":942.6,"sentiment":"neutral","sentiment_score":0.14589357376098633}],"sentiment":"neutral","sentiment_score":0.14589357376098633,"channel":0,"num_words":1,"start":942.1,"end":942.6},{"sentences":[{"text":"Yeah.","start":942.355,"end":942.855,"sentiment":"neutral","sentiment_score":0.22702011466026303}],"sentiment":"neutral","sentiment_score":0.22702011466026303,"channel":1,"num_words":1,"start":942.355,"end":942.855},{"sentences":[{"text":"Beautiful.","start":943.3,"end":943.8,"sentiment":"positive","sentiment_score":0.5234292149543762},{"text":"That's fantastic.","start":944.18,"end":945.0,"sentiment":"positive","sentiment_score":0.5992447435855865},{"text":"And do you know roughly so your husband doesn't work sorry.","start":945.22,"end":948.58,"sentiment":"neutral","sentiment_score":0.03469904703723097},{"text":"He's self employed.","start":948.58,"end":949.38,"sentiment":"neutral","sentiment_score":-0.008004962156216303},{"text":"I do apologize.","start":949.38,"end":950.2,"sentiment":"neutral","sentiment_score":-0.04178314531842867}],"sentiment":"neutral","sentiment_score":0.09771219485555775,"channel":0,"num_words":20,"start":943.3,"end":950.2},{"sentences":[{"text":"Mhmm.","start":950.755,"end":951.255,"sentiment":"neutral","sentiment_score":-0.000033161602914333344}],"sentiment":"neutral","sentiment_score":-0.000033161602914333344,"channel":1,"num_words":1,"start":950.755,"end":951.255},{"sentences":[{"text":"What does he do for work?","start":951.38,"end":952.83997,"sentiment":"neutral","sentiment_score":-0.00463552384947737}],"sentiment":"neutral","sentiment_score":-0.00463552384947737,"channel":0,"num_words":6,"start":951.38,"end":952.83997},{"sentences":[{"text":"A variety of things.","start":955.23,"end":956.45,"sentiment":"neutral","sentiment_score":0.014328073244541883},{"text":"His main","start":957.31,"end":958.05,"sentiment":"neutral","sentiment_score":0.012497784569859505}],"sentiment":"neutral","sentiment_score":0.013717977019647757,"channel":1,"num_words":6,"start":955.23,"end":958.05},{"sentences":[{"text":"Okay.","start":957.585,"end":958.085,"sentiment":"neutral","sentiment_score":0.027835771441459656}],"sentiment":"neutral","sentiment_score":0.027835771441459656,"channel":0,"num_words":1,"start":957.585,"end":958.085},{"sentences":[{"text":"his main job that he's doing at the moment is actually swimming pool renovations.","start":958.11,"end":963.25,"sentiment":"neutral","sentiment_score":0.032572586089372635},{"text":"So","start":964.11,"end":964.61,"sentiment":"neutral","sentiment_score":0.08579009771347046}],"sentiment":"neutral","sentiment_score":0.036120420197645824,"channel":1,"num_words":15,"start":958.11,"end":964.61},{"sentences":[{"text":"Oh, fantastic.","start":964.22504,"end":965.125,"sentiment":"neutral","sentiment_score":0.26546309888362885}],"sentiment":"neutral","sentiment_score":0.26546309888362885,"channel":0,"num_words":2,"start":964.22504,"end":965.125},{"sentences":[{"text":"yeah.","start":965.23,"end":965.73,"sentiment":"neutral","sentiment_score":0.09709799289703368},{"text":"So, basically, the you try and send clean, send repaint, send, you know, so he needs refiberglass, and he does all of that.","start":965.79,"end":975.895,"sentiment":"neutral","sentiment_score":0.060058678135923714}],"sentiment":"neutral","sentiment_score":0.06160198291763663,"channel":1,"num_words":24,"start":965.23,"end":975.895},{"sentences":[{"text":"Yep.","start":975.85,"end":976.35,"sentiment":"neutral","sentiment_score":0.05918901786208153}],"sentiment":"neutral","sentiment_score":0.05918901786208153,"channel":0,"num_words":1,"start":975.85,"end":976.35},{"sentences":[{"text":"Yep.","start":976.515,"end":976.99506,"sentiment":"neutral","sentiment_score":0.06103193759918213},{"text":"So he does that.","start":976.99506,"end":978.05505,"sentiment":"neutral","sentiment_score":0.06894953548908234},{"text":"That's main sort of focus, but he's also","start":979.075,"end":981.9,"sentiment":"neutral","sentiment_score":0.07483434211462736}],"sentiment":"neutral","sentiment_score":0.07196190895942542,"channel":1,"num_words":13,"start":976.515,"end":981.9},{"sentences":[{"text":"Wow.","start":981.705,"end":981.785,"sentiment":"neutral","sentiment_score":0.12249103933572768},{"text":"Yeah.","start":981.785,"end":982.285,"sentiment":"neutral","sentiment_score":0.11288463324308395}],"sentiment":"neutral","sentiment_score":0.11768783628940582,"channel":0,"num_words":2,"start":981.705,"end":982.285},{"sentences":[{"text":"he does free diving and instructing as well.","start":982.52,"end":984.68,"sentiment":"neutral","sentiment_score":0.14207015000283718},{"text":"So he runs","start":984.68,"end":986.12,"sentiment":"neutral","sentiment_score":0.18225865066051483}],"sentiment":"neutral","sentiment_score":0.15303065018220383,"channel":1,"num_words":11,"start":982.52,"end":986.12},{"sentences":[{"text":"Wow.","start":985.865,"end":986.365,"sentiment":"neutral","sentiment_score":0.19374647736549375}],"sentiment":"neutral","sentiment_score":0.19374647736549375,"channel":0,"num_words":1,"start":985.865,"end":986.365},{"sentences":[{"text":"courses and trains people to how to free dive better and safely.","start":986.12,"end":990.94,"sentiment":"neutral","sentiment_score":0.21478519216179848}],"sentiment":"neutral","sentiment_score":0.21478519216179848,"channel":1,"num_words":12,"start":986.12,"end":990.94},{"sentences":[{"text":"That is fantastic.","start":991.8,"end":992.94,"sentiment":"positive","sentiment_score":0.548576275507609}],"sentiment":"positive","sentiment_score":0.548576275507609,"channel":0,"num_words":3,"start":991.8,"end":992.94},{"sentences":[{"text":"Yeah.","start":993.52496,"end":994.02496,"sentiment":"neutral","sentiment_score":0.1702592521905899}],"sentiment":"neutral","sentiment_score":0.1702592521905899,"channel":1,"num_words":1,"start":993.52496,"end":994.02496},{"sentences":[{"text":"Wow.","start":993.72003,"end":994.22003,"sentiment":"neutral","sentiment_score":0.18068577349185944}],"sentiment":"neutral","sentiment_score":0.18068577349185944,"channel":0,"num_words":1,"start":993.72003,"end":994.22003},{"sentences":[{"text":"Yeah.","start":994.325,"end":994.825,"sentiment":"neutral","sentiment_score":0.15834584832191467},{"text":"Yeah.","start":995.04504,"end":995.54504,"sentiment":"neutral","sentiment_score":0.21528097987174988}],"sentiment":"neutral","sentiment_score":0.18681341409683228,"channel":1,"num_words":2,"start":994.325,"end":995.54504},{"sentences":[{"text":"Awesome.","start":995.32,"end":995.82,"sentiment":"neutral","sentiment_score":0.3162650465965271}],"sentiment":"neutral","sentiment_score":0.3162650465965271,"channel":0,"num_words":1,"start":995.32,"end":995.82},{"sentences":[{"text":"Yeah.","start":995.765,"end":996.265,"sentiment":"neutral","sentiment_score":0.16961398720741272}],"sentiment":"neutral","sentiment_score":0.16961398720741272,"channel":1,"num_words":1,"start":995.765,"end":996.265},{"sentences":[{"text":"And, I mean, coming into winter is sort of when everyone would wanna be getting that full renovated, get all the work done ready for, you know, summer coming back again.","start":996.04,"end":1004.52,"sentiment":"neutral","sentiment_score":0.15118777703854344},{"text":"So","start":1004.52,"end":1005.02,"sentiment":"neutral","sentiment_score":0.044149771332740784}],"sentiment":"neutral","sentiment_score":0.14784283936023712,"channel":0,"num_words":32,"start":996.04,"end":1005.02},{"sentences":[{"text":"Yeah.","start":1004.885,"end":1005.125,"sentiment":"neutral","sentiment_score":0.05772421509027481},{"text":"Yeah.","start":1005.125,"end":1005.205,"sentiment":"neutral","sentiment_score":0.03319498151540756},{"text":"Yeah.","start":1005.205,"end":1005.455,"sentiment":"neutral","sentiment_score":0.2577524781227112}],"sentiment":"neutral","sentiment_score":0.11622389157613118,"channel":1,"num_words":3,"start":1004.885,"end":1005.455},{"sentences":[{"text":"absolutely.","start":1005.415,"end":1005.915,"sentiment":"positive","sentiment_score":0.3617814183235169}],"sentiment":"positive","sentiment_score":0.3617814183235169,"channel":0,"num_words":1,"start":1005.415,"end":1005.915},{"sentences":[{"text":"Yeah.","start":1005.455,"end":1005.955,"sentiment":"neutral","sentiment_score":0.19336430728435516},{"text":"Yeah.","start":1006.7,"end":1006.86,"sentiment":"neutral","sentiment_score":0.23618464171886444},{"text":"So","start":1006.86,"end":1007.18,"sentiment":"positive","sentiment_score":0.39186546206474304}],"sentiment":"neutral","sentiment_score":0.27380480368932086,"channel":1,"num_words":3,"start":1005.455,"end":1007.18},{"sentences":[{"text":"Perfect.","start":1007.015,"end":1007.515,"sentiment":"positive","sentiment_score":0.4873450994491577}],"sentiment":"positive","sentiment_score":0.4873450994491577,"channel":0,"num_words":1,"start":1007.015,"end":1007.515},{"sentences":[{"text":"he does","start":1007.18,"end":1007.58,"sentiment":"neutral","sentiment_score":0.1067085824906826}],"sentiment":"neutral","sentiment_score":0.1067085824906826,"channel":1,"num_words":2,"start":1007.18,"end":1007.58},{"sentences":[{"text":"No.","start":1007.565,"end":1007.815,"sentiment":"neutral","sentiment_score":0.11393749713897704}],"sentiment":"neutral","sentiment_score":0.11393749713897704,"channel":0,"num_words":1,"start":1007.565,"end":1007.815},{"sentences":[{"text":"that","start":1007.58,"end":1008.06,"sentiment":"neutral","sentiment_score":0.16933336853981018}],"sentiment":"neutral","sentiment_score":0.16933336853981018,"channel":1,"num_words":1,"start":1007.58,"end":1008.06},{"sentences":[{"text":"Excellent.","start":1007.815,"end":1008.315,"sentiment":"neutral","sentiment_score":0.24053344130516052}],"sentiment":"neutral","sentiment_score":0.24053344130516052,"channel":0,"num_words":1,"start":1007.815,"end":1008.315},{"sentences":[{"text":"yeah.","start":1008.62,"end":1008.94,"sentiment":"neutral","sentiment_score":0.06734967231750488},{"text":"He does that between so we're we're based in Perth, but","start":1008.94,"end":1012.54,"sentiment":"neutral","sentiment_score":0.049949448217045174}],"sentiment":"neutral","sentiment_score":0.05139946689208349,"channel":1,"num_words":12,"start":1008.62,"end":1012.54},{"sentences":[{"text":"Yep.","start":1012.375,"end":1012.875,"sentiment":"neutral","sentiment_score":0.04815536364912987}],"sentiment":"neutral","sentiment_score":0.04815536364912987,"channel":0,"num_words":1,"start":1012.375,"end":1012.875},{"sentences":[{"text":"he does he works between Perth and then he goes up into the Pilbara to Caratha, and he he works up there as well because it gets","start":1012.54,"end":1021.265,"sentiment":"neutral","sentiment_score":0.05287413809586455}],"sentiment":"neutral","sentiment_score":0.05287413809586455,"channel":1,"num_words":27,"start":1012.54,"end":1021.265},{"sentences":[{"text":"Wow.","start":1021.11005,"end":1021.61005,"sentiment":"neutral","sentiment_score":0.07859649509191513}],"sentiment":"neutral","sentiment_score":0.07859649509191513,"channel":0,"num_words":1,"start":1021.11005,"end":1021.61005},{"sentences":[{"text":"very wet in in Perth out of this time.","start":1021.265,"end":1024.625,"sentiment":"neutral","sentiment_score":-0.04389065317809582},{"text":"So","start":1024.625,"end":1025.125,"sentiment":"neutral","sentiment_score":-0.0016016941517591476}],"sentiment":"neutral","sentiment_score":-0.03966175727546215,"channel":1,"num_words":10,"start":1021.265,"end":1025.125},{"sentences":[{"text":"Yes.","start":1024.71,"end":1025.21,"sentiment":"neutral","sentiment_score":0.002300995402038098}],"sentiment":"neutral","sentiment_score":0.002300995402038098,"channel":0,"num_words":1,"start":1024.71,"end":1025.21},{"sentences":[{"text":"you can't really do a lot in terms of, you know, renovating swimming pool.","start":1025.265,"end":1029.125,"sentiment":"neutral","sentiment_score":-0.02491066697984934},{"text":"But winter","start":1029.185,"end":1029.985,"sentiment":"neutral","sentiment_score":-0.0034153182059526443}],"sentiment":"neutral","sentiment_score":-0.022223748383112252,"channel":1,"num_words":16,"start":1025.265,"end":1029.985},{"sentences":[{"text":"Yeah.","start":1029.685,"end":1030.185,"sentiment":"neutral","sentiment_score":0.01815221458673477}],"sentiment":"neutral","sentiment_score":0.01815221458673477,"channel":0,"num_words":1,"start":1029.685,"end":1030.185},{"sentences":[{"text":"in Karratha is, like, the","start":1029.985,"end":1031.265,"sentiment":"neutral","sentiment_score":0.07953267842531205}],"sentiment":"neutral","sentiment_score":0.07953267842531205,"channel":1,"num_words":5,"start":1029.985,"end":1031.265},{"sentences":[{"text":"Wow.","start":1031.2451,"end":1031.7451,"sentiment":"neutral","sentiment_score":0.1524251401424408}],"sentiment":"neutral","sentiment_score":0.1524251401424408,"channel":0,"num_words":1,"start":1031.2451,"end":1031.7451},{"sentences":[{"text":"perfect climate to","start":1031.265,"end":1033.105,"sentiment":"neutral","sentiment_score":0.2581764409939448}],"sentiment":"neutral","sentiment_score":0.2581764409939448,"channel":1,"num_words":3,"start":1031.265,"end":1033.105},{"sentences":[{"text":"Perfect","start":1032.805,"end":1033.285,"sentiment":"neutral","sentiment_score":0.23879534006118777}],"sentiment":"neutral","sentiment_score":0.23879534006118777,"channel":0,"num_words":1,"start":1032.805,"end":1033.285},{"sentences":[{"text":"do","start":1033.105,"end":1033.345,"sentiment":"neutral","sentiment_score":0.18192273378372192}],"sentiment":"neutral","sentiment_score":0.18192273378372192,"channel":1,"num_words":1,"start":1033.105,"end":1033.345},{"sentences":[{"text":"time.","start":1033.285,"end":1033.785,"sentiment":"neutral","sentiment_score":0.22911903262138367}],"sentiment":"neutral","sentiment_score":0.22911903262138367,"channel":0,"num_words":1,"start":1033.285,"end":1033.785},{"sentences":[{"text":"swimming pool.","start":1033.345,"end":1034.0651,"sentiment":"neutral","sentiment_score":0.0676774550229311},{"text":"So, yeah,","start":1034.0651,"end":1035.4,"sentiment":"neutral","sentiment_score":0.03292607609182596}],"sentiment":"neutral","sentiment_score":0.05030176555737853,"channel":1,"num_words":4,"start":1033.345,"end":1035.4},{"sentences":[{"text":"Yeah.","start":1035.2051,"end":1035.525,"sentiment":"neutral","sentiment_score":0.043844252824783325}],"sentiment":"neutral","sentiment_score":0.043844252824783325,"channel":0,"num_words":1,"start":1035.2051,"end":1035.525},{"sentences":[{"text":"so","start":1035.4,"end":1035.64,"sentiment":"neutral","sentiment_score":0.05074107274413109}],"sentiment":"neutral","sentiment_score":0.05074107274413109,"channel":1,"num_words":1,"start":1035.4,"end":1035.64},{"sentences":[{"text":"Wow.","start":1035.525,"end":1036.025,"sentiment":"neutral","sentiment_score":0.09475359320640564}],"sentiment":"neutral","sentiment_score":0.09475359320640564,"channel":0,"num_words":1,"start":1035.525,"end":1036.025},{"sentences":[{"text":"that's how he sort of puts his time.","start":1035.64,"end":1037.74,"sentiment":"neutral","sentiment_score":0.06812905985862017},{"text":"And the same thing","start":1037.96,"end":1038.68,"sentiment":"neutral","sentiment_score":0.03274014359340072}],"sentiment":"neutral","sentiment_score":0.05633275443688035,"channel":1,"num_words":12,"start":1035.64,"end":1038.68},{"sentences":[{"text":"Yeah.","start":1038.5651,"end":1039.0651,"sentiment":"neutral","sentiment_score":0.039922259747982025}],"sentiment":"neutral","sentiment_score":0.039922259747982025,"channel":0,"num_words":1,"start":1038.5651,"end":1039.0651},{"sentences":[{"text":"with the with the free diving courses because the weather here and","start":1038.68,"end":1041.88,"sentiment":"neutral","sentiment_score":0.0473358406064411}],"sentiment":"neutral","sentiment_score":0.0473358406064411,"channel":1,"num_words":12,"start":1038.68,"end":1041.88},{"sentences":[{"text":"Yes.","start":1041.78,"end":1042.28,"sentiment":"neutral","sentiment_score":0.04623003304004669}],"sentiment":"neutral","sentiment_score":0.04623003304004669,"channel":0,"num_words":1,"start":1041.78,"end":1042.28},{"sentences":[{"text":"the water gets pretty cold down in Perth.","start":1041.88,"end":1043.96,"sentiment":"neutral","sentiment_score":0.033199304481968284},{"text":"So he goes up there and continues to teach and train up there.","start":1043.96,"end":1048.12,"sentiment":"neutral","sentiment_score":0.05047896389777844},{"text":"Yep.","start":1048.12,"end":1048.62,"sentiment":"neutral","sentiment_score":0.052011653780937195}],"sentiment":"neutral","sentiment_score":0.04426511910490014,"channel":1,"num_words":22,"start":1041.88,"end":1048.62},{"sentences":[{"text":"Yeah.","start":1048.8201,"end":1049.06,"sentiment":"neutral","sentiment_score":0.07635781168937683},{"text":"Wow.","start":1049.06,"end":1049.56,"sentiment":"neutral","sentiment_score":0.2383548617362976},{"text":"That's incredible.","start":1049.8601,"end":1050.74,"sentiment":"positive","sentiment_score":0.467774361371994},{"text":"And is it sort of gone for long periods of time, like a week or two at a time, or is it more just a few days","start":1050.74,"end":1055.54,"sentiment":"neutral","sentiment_score":-0.007536814272127769}],"sentiment":"neutral","sentiment_score":0.03376669067168428,"channel":0,"num_words":31,"start":1048.8201,"end":1055.54},{"sentences":[{"text":"Yeah.","start":1055.445,"end":1055.9249,"sentiment":"neutral","sentiment_score":0.0015793545171618462}],"sentiment":"neutral","sentiment_score":0.0015793545171618462,"channel":1,"num_words":1,"start":1055.445,"end":1055.9249},{"sentences":[{"text":"here and","start":1055.54,"end":1055.9401,"sentiment":"neutral","sentiment_score":0.0001184055581688882}],"sentiment":"neutral","sentiment_score":0.0001184055581688882,"channel":0,"num_words":2,"start":1055.54,"end":1055.9401},{"sentences":[{"text":"Yeah.","start":1055.9249,"end":1056.245,"sentiment":"neutral","sentiment_score":-0.0008851406164467335}],"sentiment":"neutral","sentiment_score":-0.0008851406164467335,"channel":1,"num_words":1,"start":1055.9249,"end":1056.245},{"sentences":[{"text":"there","start":1055.9401,"end":1056.3401,"sentiment":"neutral","sentiment_score":-0.005843790248036385}],"sentiment":"neutral","sentiment_score":-0.005843790248036385,"channel":0,"num_words":1,"start":1055.9401,"end":1056.3401},{"sentences":[{"text":"No.","start":1056.245,"end":1056.565,"sentiment":"neutral","sentiment_score":-0.01786964014172554}],"sentiment":"neutral","sentiment_score":-0.01786964014172554,"channel":1,"num_words":1,"start":1056.245,"end":1056.565},{"sentences":[{"text":"each","start":1056.3401,"end":1056.66,"sentiment":"neutral","sentiment_score":-0.016901422291994095}],"sentiment":"neutral","sentiment_score":-0.016901422291994095,"channel":0,"num_words":1,"start":1056.3401,"end":1056.66},{"sentences":[{"text":"He'll","start":1056.565,"end":1056.8049,"sentiment":"neutral","sentiment_score":-0.01784457266330719}],"sentiment":"neutral","sentiment_score":-0.01784457266330719,"channel":1,"num_words":1,"start":1056.565,"end":1056.8049},{"sentences":[{"text":"week?","start":1056.66,"end":1057.095,"sentiment":"neutral","sentiment_score":-0.0175649281591177}],"sentiment":"neutral","sentiment_score":-0.0175649281591177,"channel":0,"num_words":1,"start":1056.66,"end":1057.095},{"sentences":[{"text":"go he'll go for, like, three weeks most of the time, yeah, to get, you know,","start":1056.8049,"end":1061.7649,"sentiment":"neutral","sentiment_score":-0.0015084524056874216}],"sentiment":"neutral","sentiment_score":-0.0015084524056874216,"channel":1,"num_words":16,"start":1056.8049,"end":1061.7649},{"sentences":[{"text":"Yeah.","start":1061.655,"end":1061.895,"sentiment":"neutral","sentiment_score":0.01517694815993309}],"sentiment":"neutral","sentiment_score":0.01517694815993309,"channel":0,"num_words":1,"start":1061.655,"end":1061.895},{"sentences":[{"text":"to get","start":1061.7649,"end":1062.085,"sentiment":"neutral","sentiment_score":0.015842922031879425}],"sentiment":"neutral","sentiment_score":0.015842922031879425,"channel":1,"num_words":2,"start":1061.7649,"end":1062.085},{"sentences":[{"text":"Wow.","start":1061.895,"end":1062.395,"sentiment":"neutral","sentiment_score":0.044226668775081635}],"sentiment":"neutral","sentiment_score":0.044226668775081635,"channel":0,"num_words":1,"start":1061.895,"end":1062.395},{"sentences":[{"text":"the value of being up there because","start":1062.085,"end":1064.565,"sentiment":"neutral","sentiment_score":0.057217483541795185}],"sentiment":"neutral","sentiment_score":0.057217483541795185,"channel":1,"num_words":7,"start":1062.085,"end":1064.565},{"sentences":[{"text":"Yeah.","start":1064.5349,"end":1065.0349,"sentiment":"neutral","sentiment_score":0.05053737014532089}],"sentiment":"neutral","sentiment_score":0.05053737014532089,"channel":0,"num_words":1,"start":1064.5349,"end":1065.0349},{"sentences":[{"text":"he drives drives up and down.","start":1064.565,"end":1066.27,"sentiment":"neutral","sentiment_score":0.038998132261137165},{"text":"So yeah.","start":1066.27,"end":1066.93,"sentiment":"neutral","sentiment_score":0.027556415647268295},{"text":"Yeah.","start":1067.7101,"end":1068.2101,"sentiment":"neutral","sentiment_score":0.06371424347162247}],"sentiment":"neutral","sentiment_score":0.039201763148109116,"channel":1,"num_words":9,"start":1064.565,"end":1068.2101},{"sentences":[{"text":"Wow.","start":1067.895,"end":1068.395,"sentiment":"neutral","sentiment_score":0.14451444149017334},{"text":"I mean, that's a pretty amazing skill set.","start":1069.27,"end":1071.27,"sentiment":"neutral","sentiment_score":0.22689094208180904},{"text":"I definitely can't free dive, and I think anyone who can hold their breath for that long is pretty","start":1071.27,"end":1075.51,"sentiment":"neutral","sentiment_score":0.056707508077746945}],"sentiment":"neutral","sentiment_score":0.10846730827220849,"channel":0,"num_words":28,"start":1067.895,"end":1075.51},{"sentences":[{"text":"Yeah.","start":1075.31,"end":1075.81,"sentiment":"neutral","sentiment_score":0.2043351978063583}],"sentiment":"neutral","sentiment_score":0.2043351978063583,"channel":1,"num_words":1,"start":1075.31,"end":1075.81},{"sentences":[{"text":"amazing.","start":1075.51,"end":1076.01,"sentiment":"neutral","sentiment_score":0.28473636507987976}],"sentiment":"neutral","sentiment_score":0.28473636507987976,"channel":0,"num_words":1,"start":1075.51,"end":1076.01},{"sentences":[{"text":"Yeah.","start":1076.35,"end":1076.85,"sentiment":"neutral","sentiment_score":0.09347645193338394},{"text":"Yeah.","start":1077.47,"end":1077.87,"sentiment":"neutral","sentiment_score":0.07139887660741806}],"sentiment":"neutral","sentiment_score":0.082437664270401,"channel":1,"num_words":2,"start":1076.35,"end":1077.87},{"sentences":[{"text":"Oh,","start":1077.83,"end":1078.15,"sentiment":"neutral","sentiment_score":0.044572293758392334}],"sentiment":"neutral","sentiment_score":0.044572293758392334,"channel":0,"num_words":1,"start":1077.83,"end":1078.15},{"sentences":[{"text":"No.","start":1077.87,"end":1078.11,"sentiment":"neutral","sentiment_score":0.0007298029959201813},{"text":"That's","start":1078.11,"end":1078.43,"sentiment":"neutral","sentiment_score":0.10306622087955476}],"sentiment":"neutral","sentiment_score":0.05189801193773747,"channel":1,"num_words":2,"start":1077.87,"end":1078.43},{"sentences":[{"text":"wow.","start":1078.15,"end":1078.65,"sentiment":"neutral","sentiment_score":0.16713783144950867}],"sentiment":"neutral","sentiment_score":0.16713783144950867,"channel":0,"num_words":1,"start":1078.15,"end":1078.65},{"sentences":[{"text":"pretty good.","start":1078.43,"end":1079.17,"sentiment":"neutral","sentiment_score":0.289340578019619}],"sentiment":"neutral","sentiment_score":0.289340578019619,"channel":1,"num_words":2,"start":1078.43,"end":1079.17},{"sentences":[{"text":"Oh, fantastic.","start":1079.67,"end":1080.57,"sentiment":"positive","sentiment_score":0.44257327914237976},{"text":"Excellent.","start":1080.95,"end":1081.35,"sentiment":"positive","sentiment_score":0.4301076829433441},{"text":"Well, I do love that.","start":1081.35,"end":1082.3099,"sentiment":"positive","sentiment_score":0.4280154943466187},{"text":"So what I will sort of look at for the advice is just maybe splitting out that so removing the ban along and replacing it with","start":1082.3099,"end":1088.985,"sentiment":"neutral","sentiment_score":0.04176754468622116}],"sentiment":"neutral","sentiment_score":0.1335672904353808,"channel":0,"num_words":34,"start":1079.67,"end":1088.985},{"sentences":[{"text":"Yes.","start":1088.945,"end":1089.445,"sentiment":"neutral","sentiment_score":0.015232282690703869}],"sentiment":"neutral","sentiment_score":0.015232282690703869,"channel":1,"num_words":1,"start":1088.945,"end":1089.445},{"sentences":[{"text":"something else.","start":1088.985,"end":1089.465,"sentiment":"neutral","sentiment_score":0.003072082996368408},{"text":"So look at the cost side of things.","start":1089.465,"end":1091.005,"sentiment":"neutral","sentiment_score":-0.002337926533073187}],"sentiment":"neutral","sentiment_score":-0.001255924627184868,"channel":0,"num_words":10,"start":1088.985,"end":1091.005},{"sentences":[{"text":"Yeah.","start":1091.345,"end":1091.845,"sentiment":"neutral","sentiment_score":0.013389366678893566}],"sentiment":"neutral","sentiment_score":0.013389366678893566,"channel":1,"num_words":1,"start":1091.345,"end":1091.845},{"sentences":[{"text":"One of the things I do wanna look at is the CDT consequences.","start":1091.465,"end":1094.365,"sentiment":"neutral","sentiment_score":0.007983085627739247},{"text":"So what your super fund, just like you do, does a tax return every year.","start":1094.665,"end":1098.48,"sentiment":"neutral","sentiment_score":0.008178758124510447},{"text":"So","start":1098.72,"end":1098.88,"sentiment":"neutral","sentiment_score":-0.004269365221261978}],"sentiment":"neutral","sentiment_score":0.007661797234724308,"channel":0,"num_words":29,"start":1091.465,"end":1098.88},{"sentences":[{"text":"Yeah.","start":1098.7699,"end":1099.2699,"sentiment":"neutral","sentiment_score":0.0031040143221616745}],"sentiment":"neutral","sentiment_score":0.0031040143221616745,"channel":1,"num_words":1,"start":1098.7699,"end":1099.2699},{"sentences":[{"text":"when we do rebalance the portfolio or replace investments, your super fund does have to pay capital gains tax.","start":1098.88,"end":1105.6,"sentiment":"neutral","sentiment_score":-0.012527816487770332},{"text":"So I will take that into account as part of the advice there for","start":1105.6,"end":1108.5599,"sentiment":"neutral","sentiment_score":0.07974512662206378}],"sentiment":"neutral","sentiment_score":0.026618280589128986,"channel":0,"num_words":33,"start":1098.88,"end":1108.5599},{"sentences":[{"text":"Okay.","start":1108.2899,"end":1108.665,"sentiment":"neutral","sentiment_score":0.04592151194810867}],"sentiment":"neutral","sentiment_score":0.04592151194810867,"channel":1,"num_words":1,"start":1108.2899,"end":1108.665},{"sentences":[{"text":"you.","start":1108.5599,"end":1109.0599,"sentiment":"neutral","sentiment_score":0.05442718043923378}],"sentiment":"neutral","sentiment_score":0.05442718043923378,"channel":0,"num_words":1,"start":1108.5599,"end":1109.0599},{"sentences":[{"text":"Sure.","start":1109.2251,"end":1109.7251,"sentiment":"neutral","sentiment_score":0.1375550925731659}],"sentiment":"neutral","sentiment_score":0.1375550925731659,"channel":1,"num_words":1,"start":1109.2251,"end":1109.7251},{"sentences":[{"text":"Depending on what we're rebalancing and how Benelong has has sort of performed, we might even be able to offset any CGT","start":1109.52,"end":1116.875,"sentiment":"neutral","sentiment_score":0.05883029069412838}],"sentiment":"neutral","sentiment_score":0.05883029069412838,"channel":0,"num_words":22,"start":1109.52,"end":1116.875},{"sentences":[{"text":"Some","start":1116.985,"end":1117.2251,"sentiment":"neutral","sentiment_score":-0.08364567160606384}],"sentiment":"neutral","sentiment_score":-0.08364567160606384,"channel":1,"num_words":1,"start":1116.985,"end":1117.2251},{"sentences":[{"text":"consequences","start":1117.0951,"end":1117.5951,"sentiment":"neutral","sentiment_score":-0.09601512551307678}],"sentiment":"neutral","sentiment_score":-0.09601512551307678,"channel":0,"num_words":1,"start":1117.0951,"end":1117.5951},{"sentences":[{"text":"of them are.","start":1117.2251,"end":1117.9651,"sentiment":"neutral","sentiment_score":-0.1012289822101593}],"sentiment":"neutral","sentiment_score":-0.1012289822101593,"channel":1,"num_words":3,"start":1117.2251,"end":1117.9651},{"sentences":[{"text":"inside super and really isn't to your advantage there.","start":1117.735,"end":1120.6951,"sentiment":"neutral","sentiment_score":-0.20252510905265808},{"text":"So that'll be","start":1120.6951,"end":1121.3351,"sentiment":"neutral","sentiment_score":0.025036167353391647}],"sentiment":"neutral","sentiment_score":-0.14563478995114565,"channel":0,"num_words":12,"start":1117.735,"end":1121.3351},{"sentences":[{"text":"Okay.","start":1121.305,"end":1121.805,"sentiment":"neutral","sentiment_score":0.17727622389793396}],"sentiment":"neutral","sentiment_score":0.17727622389793396,"channel":1,"num_words":1,"start":1121.305,"end":1121.805},{"sentences":[{"text":"a good thing to look at.","start":1121.3351,"end":1122.635,"sentiment":"positive","sentiment_score":0.5622236629327139}],"sentiment":"positive","sentiment_score":0.5622236629327139,"channel":0,"num_words":6,"start":1121.3351,"end":1122.635},{"sentences":[{"text":"Yes.","start":1123.0,"end":1123.5,"sentiment":"neutral","sentiment_score":0.2159646302461624}],"sentiment":"neutral","sentiment_score":0.2159646302461624,"channel":1,"num_words":1,"start":1123.0,"end":1123.5},{"sentences":[{"text":"I know when you came on board, the last few advice documents you probably received would have sort of sorta shown you right up until retirement.","start":1123.0951,"end":1129.72,"sentiment":"neutral","sentiment_score":0.060084748010222726},{"text":"Because","start":1130.5,"end":1130.8999,"sentiment":"neutral","sentiment_score":0.008077062666416168}],"sentiment":"neutral","sentiment_score":0.0581585374419336,"channel":0,"num_words":27,"start":1123.0951,"end":1130.8999},{"sentences":[{"text":"Mhmm.","start":1130.52,"end":1131.02,"sentiment":"neutral","sentiment_score":0.017232149839401245}],"sentiment":"neutral","sentiment_score":0.017232149839401245,"channel":1,"num_words":1,"start":1130.52,"end":1131.02},{"sentences":[{"text":"you are still so young, because there are a lot of things occurring and altering and changing in your life, this advice document will only project out the next five to ten years due to the amount of","start":1130.8999,"end":1140.5,"sentiment":"neutral","sentiment_score":0.02195145532880959}],"sentiment":"neutral","sentiment_score":0.02195145532880959,"channel":0,"num_words":38,"start":1130.8999,"end":1140.5},{"sentences":[{"text":"Yeah.","start":1140.4149,"end":1140.9149,"sentiment":"neutral","sentiment_score":0.07458308339118958}],"sentiment":"neutral","sentiment_score":0.07458308339118958,"channel":1,"num_words":1,"start":1140.4149,"end":1140.9149},{"sentences":[{"text":"things that can definitely change.","start":1140.5,"end":1141.96,"sentiment":"neutral","sentiment_score":0.11595939174294471}],"sentiment":"neutral","sentiment_score":0.11595939174294471,"channel":0,"num_words":5,"start":1140.5,"end":1141.96},{"sentences":[{"text":"So","start":1142.335,"end":1142.835,"sentiment":"neutral","sentiment_score":0.1508970856666565}],"sentiment":"neutral","sentiment_score":0.1508970856666565,"channel":1,"num_words":1,"start":1142.335,"end":1142.835},{"sentences":[{"text":"And then we'll just keep building on that for you to try and get as much into super as we possibly can and build that up to give you the, you know, the most the most out of your retirement years when you get to that point.","start":1142.515,"end":1152.995,"sentiment":"neutral","sentiment_score":0.2834548918490714},{"text":"How does that sound?","start":1152.995,"end":1153.975,"sentiment":"neutral","sentiment_score":0.14718494936823845}],"sentiment":"neutral","sentiment_score":0.2727670532231237,"channel":0,"num_words":51,"start":1142.515,"end":1153.975},{"sentences":[{"text":"yeah.","start":1153.7749,"end":1154.16,"sentiment":"neutral","sentiment_score":0.10954752564430235},{"text":"Yeah.","start":1154.3201,"end":1154.64,"sentiment":"neutral","sentiment_score":0.263158917427063},{"text":"That sounds","start":1154.64,"end":1155.2001,"sentiment":"positive","sentiment_score":0.6489428281784058}],"sentiment":"positive","sentiment_score":0.4176480248570442,"channel":1,"num_words":4,"start":1153.7749,"end":1155.2001},{"sentences":[{"text":"Fantastic.","start":1155.09,"end":1155.59,"sentiment":"positive","sentiment_score":0.7591792345046997}],"sentiment":"positive","sentiment_score":0.7591792345046997,"channel":0,"num_words":1,"start":1155.09,"end":1155.59},{"sentences":[{"text":"great.","start":1155.2001,"end":1155.7001,"sentiment":"positive","sentiment_score":0.7470247149467468}],"sentiment":"positive","sentiment_score":0.7470247149467468,"channel":1,"num_words":1,"start":1155.2001,"end":1155.7001},{"sentences":[{"text":"Fantastic.","start":1156.37,"end":1156.87,"sentiment":"positive","sentiment_score":0.6480330228805542},{"text":"Now a few other questions here just to kinda gauge whether you're in the right portfolio or not.","start":1157.65,"end":1162.23,"sentiment":"neutral","sentiment_score":0.06570674106478691},{"text":"If you sort of have you ever looked at your super and found that it had fallen, Addison?","start":1162.85,"end":1167.01,"sentiment":"neutral","sentiment_score":-0.04147038060343928},{"text":"I know we've all sort of bought the saw it fall fall, sorry.","start":1167.01,"end":1170.365,"sentiment":"neutral","sentiment_score":-0.07008864673284385},{"text":"I do apologize.","start":1170.365,"end":1171.165,"sentiment":"neutral","sentiment_score":-0.104633629322052}],"sentiment":"neutral","sentiment_score":-0.0026559581944964974,"channel":0,"num_words":53,"start":1156.37,"end":1171.165},{"sentences":[{"text":"In March, April this year with what was happening.","start":1171.165,"end":1173.4249,"sentiment":"neutral","sentiment_score":-0.05540265432662434}],"sentiment":"neutral","sentiment_score":-0.05540265432662434,"channel":0,"num_words":9,"start":1171.165,"end":1173.4249},{"sentences":[{"text":"Mhmm.","start":1173.075,"end":1173.575,"sentiment":"neutral","sentiment_score":-0.011586369946599008}],"sentiment":"neutral","sentiment_score":-0.011586369946599008,"channel":1,"num_words":1,"start":1173.075,"end":1173.575},{"sentences":[{"text":"But have you ever seen it fall very heavily, like, around about 10 or 20% in past?","start":1174.0449,"end":1178.865,"sentiment":"neutral","sentiment_score":-0.06491175052874229}],"sentiment":"neutral","sentiment_score":-0.06491175052874229,"channel":0,"num_words":17,"start":1174.0449,"end":1178.865},{"sentences":[{"text":"No.","start":1179.715,"end":1179.955,"sentiment":"neutral","sentiment_score":-0.16659292578697205},{"text":"I I don't think so.","start":1179.955,"end":1181.255,"sentiment":"neutral","sentiment_score":-0.17326771914958955}],"sentiment":"neutral","sentiment_score":-0.1721552535891533,"channel":1,"num_words":6,"start":1179.715,"end":1181.255},{"sentences":[{"text":"No.","start":1181.66,"end":1181.9,"sentiment":"neutral","sentiment_score":-0.1409822255373001},{"text":"That's okay.","start":1181.9,"end":1182.8,"sentiment":"neutral","sentiment_score":-0.09733787924051285},{"text":"If you did happen to see your super four pretty heavily, the fact that you can't access it now, you've got quite a bit of time ahead of you.","start":1183.02,"end":1190.46,"sentiment":"neutral","sentiment_score":-0.13390282926888303},{"text":"Do you think seeing dips like that in your would concern or are you sort of not overly concerned because you can't access soup and now you've got a bit of time ahead of you?","start":1190.46,"end":1199.375,"sentiment":"neutral","sentiment_score":-0.11716182412845748},{"text":"How do you think you might be feeling?","start":1199.375,"end":1200.995,"sentiment":"neutral","sentiment_score":-0.016797585878521204}],"sentiment":"neutral","sentiment_score":-0.1127184608578682,"channel":0,"num_words":75,"start":1181.66,"end":1200.995},{"sentences":[{"text":"Yeah.","start":1202.175,"end":1202.675,"sentiment":"neutral","sentiment_score":0.20348741114139557},{"text":"I mean, I think I'm I'm pretty confident that, you know, it will just continue to grow.","start":1202.735,"end":1207.475,"sentiment":"positive","sentiment_score":0.39688947358552146}],"sentiment":"positive","sentiment_score":0.3861449145608478,"channel":1,"num_words":18,"start":1202.175,"end":1207.475},{"sentences":[{"text":"Yeah.","start":1208.1901,"end":1208.6901,"sentiment":"neutral","sentiment_score":0.15340420603752136}],"sentiment":"neutral","sentiment_score":0.15340420603752136,"channel":0,"num_words":1,"start":1208.1901,"end":1208.6901},{"sentences":[{"text":"And so even yes.","start":1208.255,"end":1209.535,"sentiment":"neutral","sentiment_score":0.061104067717678845},{"text":"If there are, like, those kinds of debts, overall, you know, if you look at the, you know, the the long I've been having earning super and whatnot,","start":1209.535,"end":1220.71,"sentiment":"neutral","sentiment_score":-0.008809115554738258}],"sentiment":"neutral","sentiment_score":-0.0000699676456861198,"channel":1,"num_words":32,"start":1208.255,"end":1220.71},{"sentences":[{"text":"Yeah.","start":1221.4049,"end":1221.9049,"sentiment":"neutral","sentiment_score":0.08435475826263428}],"sentiment":"neutral","sentiment_score":0.08435475826263428,"channel":0,"num_words":1,"start":1221.4049,"end":1221.9049},{"sentences":[{"text":"the the growth has has been steady and it's it has been","start":1221.57,"end":1225.8099,"sentiment":"neutral","sentiment_score":0.22704250365495682}],"sentiment":"neutral","sentiment_score":0.22704250365495682,"channel":1,"num_words":12,"start":1221.57,"end":1225.8099},{"sentences":[{"text":"Yep.","start":1225.885,"end":1226.385,"sentiment":"neutral","sentiment_score":0.10924088954925536}],"sentiment":"neutral","sentiment_score":0.10924088954925536,"channel":0,"num_words":1,"start":1225.885,"end":1226.385},{"sentences":[{"text":"you know, so even when there's been those debts sort of corrected and then, yeah, continued.","start":1225.89,"end":1230.115,"sentiment":"neutral","sentiment_score":0.03747853415552527},{"text":"So","start":1230.335,"end":1230.815,"sentiment":"neutral","sentiment_score":0.03036162629723549}],"sentiment":"neutral","sentiment_score":0.03705989251680234,"channel":1,"num_words":17,"start":1225.89,"end":1230.815},{"sentences":[{"text":"Yeah.","start":1230.5399,"end":1230.94,"sentiment":"neutral","sentiment_score":0.04361353814601898}],"sentiment":"neutral","sentiment_score":0.04361353814601898,"channel":0,"num_words":1,"start":1230.5399,"end":1230.94},{"sentences":[{"text":"I","start":1230.815,"end":1230.975,"sentiment":"neutral","sentiment_score":0.033252038061618805}],"sentiment":"neutral","sentiment_score":0.033252038061618805,"channel":1,"num_words":1,"start":1230.815,"end":1230.975},{"sentences":[{"text":"Yeah.","start":1230.94,"end":1231.44,"sentiment":"neutral","sentiment_score":0.044803082942962646}],"sentiment":"neutral","sentiment_score":0.044803082942962646,"channel":0,"num_words":1,"start":1230.94,"end":1231.44},{"sentences":[{"text":"understand that, you know, more kind of macroeconomic","start":1230.975,"end":1234.275,"sentiment":"neutral","sentiment_score":-0.012678202707320452}],"sentiment":"neutral","sentiment_score":-0.012678202707320452,"channel":1,"num_words":8,"start":1230.975,"end":1234.275},{"sentences":[{"text":"Yep.","start":1235.4199,"end":1235.9199,"sentiment":"neutral","sentiment_score":-0.02765803039073944}],"sentiment":"neutral","sentiment_score":-0.02765803039073944,"channel":0,"num_words":1,"start":1235.4199,"end":1235.9199},{"sentences":[{"text":"things can impact on it, which is obviously","start":1236.255,"end":1238.595,"sentiment":"neutral","sentiment_score":-0.034651233814656734}],"sentiment":"neutral","sentiment_score":-0.034651233814656734,"channel":1,"num_words":8,"start":1236.255,"end":1238.595},{"sentences":[{"text":"Absolutely.","start":1238.46,"end":1238.96,"sentiment":"neutral","sentiment_score":-0.0407974049448967}],"sentiment":"neutral","sentiment_score":-0.0407974049448967,"channel":0,"num_words":1,"start":1238.46,"end":1238.96},{"sentences":[{"text":"not within anyone's control.","start":1238.655,"end":1240.355,"sentiment":"neutral","sentiment_score":-0.13815714046359062},{"text":"But for the","start":1240.655,"end":1241.215,"sentiment":"neutral","sentiment_score":0.013522849728663763}],"sentiment":"neutral","sentiment_score":-0.07315143038119588,"channel":1,"num_words":7,"start":1238.655,"end":1241.215},{"sentences":[{"text":"Yeah.","start":1241.1799,"end":1241.6799,"sentiment":"neutral","sentiment_score":0.067317895591259}],"sentiment":"neutral","sentiment_score":0.067317895591259,"channel":0,"num_words":1,"start":1241.1799,"end":1241.6799},{"sentences":[{"text":"most part, like, if things continue to be relatively stable, then, yeah, I'm I'm not concerned that by the time I retire, I'm pretty","start":1241.215,"end":1250.1,"sentiment":"neutral","sentiment_score":0.15024234695980945}],"sentiment":"neutral","sentiment_score":0.15024234695980945,"channel":1,"num_words":24,"start":1241.215,"end":1250.1},{"sentences":[{"text":"Yep.","start":1249.905,"end":1250.3049,"sentiment":"neutral","sentiment_score":0.07565372437238693}],"sentiment":"neutral","sentiment_score":0.07565372437238693,"channel":0,"num_words":1,"start":1249.905,"end":1250.3049},{"sentences":[{"text":"sure","start":1250.1,"end":1250.42,"sentiment":"neutral","sentiment_score":0.10883906483650208}],"sentiment":"neutral","sentiment_score":0.10883906483650208,"channel":1,"num_words":1,"start":1250.1,"end":1250.42},{"sentences":[{"text":"Yep.","start":1250.3049,"end":1250.8049,"sentiment":"neutral","sentiment_score":0.14482851326465607}],"sentiment":"neutral","sentiment_score":0.14482851326465607,"channel":0,"num_words":1,"start":1250.3049,"end":1250.8049},{"sentences":[{"text":"there'll be plenty.","start":1250.42,"end":1251.64,"sentiment":"neutral","sentiment_score":0.14232741792996725}],"sentiment":"neutral","sentiment_score":0.14232741792996725,"channel":1,"num_words":3,"start":1250.42,"end":1251.64},{"sentences":[{"text":"Perf","start":1251.265,"end":1251.765,"sentiment":"neutral","sentiment_score":0.095995232462883}],"sentiment":"neutral","sentiment_score":0.095995232462883,"channel":0,"num_words":1,"start":1251.265,"end":1251.765},{"sentences":[{"text":"Yeah.","start":1252.66,"end":1253.16,"sentiment":"positive","sentiment_score":0.3410642743110657}],"sentiment":"positive","sentiment_score":0.3410642743110657,"channel":1,"num_words":1,"start":1252.66,"end":1253.16},{"sentences":[{"text":"perfect.","start":1252.865,"end":1253.365,"sentiment":"positive","sentiment_score":0.5860419273376465},{"text":"All good.","start":1253.745,"end":1254.485,"sentiment":"positive","sentiment_score":0.576774001121521},{"text":"And do you feel like you'd be comfortable now taking on more risk in the market to try and obtain those greater potential returns, or do you feel like you'd be feeling a bit more conservative because of the ups and downs the market has been seeing?","start":1254.62,"end":1266.86,"sentiment":"neutral","sentiment_score":0.05578269088204871},{"text":"How do you think you might sort of fit in there?","start":1266.86,"end":1269.04,"sentiment":"neutral","sentiment_score":0.029126797210086475}],"sentiment":"neutral","sentiment_score":0.07675034705488408,"channel":0,"num_words":61,"start":1252.865,"end":1269.04},{"sentences":[{"text":"Yeah.","start":1269.125,"end":1269.625,"sentiment":"neutral","sentiment_score":0.21264083683490753},{"text":"I think I'm I'm I'm happy to keep things as they are.","start":1270.0399,"end":1273.24,"sentiment":"positive","sentiment_score":0.4794538964827855},{"text":"So probably","start":1273.24,"end":1274.0399,"sentiment":"neutral","sentiment_score":0.0996692106127739}],"sentiment":"positive","sentiment_score":0.41102840105692545,"channel":1,"num_words":15,"start":1269.125,"end":1274.0399},{"sentences":[{"text":"Yep.","start":1273.925,"end":1274.425,"sentiment":"neutral","sentiment_score":0.07860584557056427}],"sentiment":"neutral","sentiment_score":0.07860584557056427,"channel":0,"num_words":1,"start":1273.925,"end":1274.425},{"sentences":[{"text":"yeah.","start":1274.2,"end":1274.7,"sentiment":"neutral","sentiment_score":0.061335451900959015},{"text":"Just given yeah.","start":1274.76,"end":1275.98,"sentiment":"neutral","sentiment_score":0.028145266075929005},{"text":"Some of","start":1276.44,"end":1276.84,"sentiment":"neutral","sentiment_score":0.012908248230814934}],"sentiment":"neutral","sentiment_score":0.02859795776506265,"channel":1,"num_words":6,"start":1274.2,"end":1276.84},{"sentences":[{"text":"Yep.","start":1276.7251,"end":1277.2251,"sentiment":"neutral","sentiment_score":0.011537137441337109}],"sentiment":"neutral","sentiment_score":0.011537137441337109,"channel":0,"num_words":1,"start":1276.7251,"end":1277.2251},{"sentences":[{"text":"the the things going on in the world at the moment, I'll probably,","start":1276.84,"end":1280.44,"sentiment":"neutral","sentiment_score":0.005660277433120287}],"sentiment":"neutral","sentiment_score":0.005660277433120287,"channel":1,"num_words":13,"start":1276.84,"end":1280.44},{"sentences":[{"text":"Yeah.","start":1280.3251,"end":1280.8251,"sentiment":"neutral","sentiment_score":0.021018704399466515}],"sentiment":"neutral","sentiment_score":0.021018704399466515,"channel":0,"num_words":1,"start":1280.3251,"end":1280.8251},{"sentences":[{"text":"yeah, just continue to be a bit more conservative.","start":1280.44,"end":1282.7,"sentiment":"neutral","sentiment_score":0.004294908088114526},{"text":"Yeah.","start":1283.1599,"end":1283.6599,"sentiment":"neutral","sentiment_score":0.036866024136543274}],"sentiment":"neutral","sentiment_score":0.007552019692957402,"channel":1,"num_words":10,"start":1280.44,"end":1283.6599},{"sentences":[{"text":"Yeah.","start":1283.54,"end":1284.04,"sentiment":"neutral","sentiment_score":0.06101159006357193},{"text":"Absolutely.","start":1284.18,"end":1284.68,"sentiment":"neutral","sentiment_score":0.07231399416923523},{"text":"Well, with the growth sort of area and the growth portfolio that you're in, when you sort of assess risk out of, say, a number between one and five, you're kind of in that sort of three to 4%.","start":1284.8201,"end":1294.375,"sentiment":"neutral","sentiment_score":0.02097194379147811},{"text":"So you're not really in the highest risk category.","start":1294.375,"end":1296.855,"sentiment":"neutral","sentiment_score":-0.08203435316681862},{"text":"You're not putting","start":1296.855,"end":1297.575,"sentiment":"neutral","sentiment_score":-0.022777073085308075}],"sentiment":"neutral","sentiment_score":0.0027281319687388977,"channel":0,"num_words":53,"start":1283.54,"end":1297.575},{"sentences":[{"text":"Yes.","start":1297.365,"end":1297.865,"sentiment":"neutral","sentiment_score":-0.005399264395236969}],"sentiment":"neutral","sentiment_score":-0.005399264395236969,"channel":1,"num_words":1,"start":1297.365,"end":1297.865},{"sentences":[{"text":"all of your investments in those high growth kind of assets,","start":1297.575,"end":1300.855,"sentiment":"neutral","sentiment_score":0.0004729399965568022}],"sentiment":"neutral","sentiment_score":0.0004729399965568022,"channel":0,"num_words":11,"start":1297.575,"end":1300.855},{"sentences":[{"text":"Yes.","start":1300.75,"end":1301.25,"sentiment":"neutral","sentiment_score":-0.00039703771471977234}],"sentiment":"neutral","sentiment_score":-0.00039703771471977234,"channel":1,"num_words":1,"start":1300.75,"end":1301.25},{"sentences":[{"text":"but you're also not very conservative on the lower end.","start":1300.855,"end":1303.4149,"sentiment":"neutral","sentiment_score":-0.08089549206197262},{"text":"You're kind","start":1303.4149,"end":1303.815,"sentiment":"neutral","sentiment_score":-0.013020269572734833}],"sentiment":"neutral","sentiment_score":-0.06958295498043299,"channel":0,"num_words":12,"start":1300.855,"end":1303.815},{"sentences":[{"text":"Yeah.","start":1303.7899,"end":1304.2899,"sentiment":"neutral","sentiment_score":-0.0040543340146541595}],"sentiment":"neutral","sentiment_score":-0.0040543340146541595,"channel":1,"num_words":1,"start":1303.7899,"end":1304.2899},{"sentences":[{"text":"of in the middle there.","start":1303.815,"end":1304.855,"sentiment":"neutral","sentiment_score":-0.010861868411302567}],"sentiment":"neutral","sentiment_score":-0.010861868411302567,"channel":0,"num_words":5,"start":1303.815,"end":1304.855},{"sentences":[{"text":"In the","start":1304.59,"end":1304.9099,"sentiment":"neutral","sentiment_score":0.0003567934036254883}],"sentiment":"neutral","sentiment_score":0.0003567934036254883,"channel":1,"num_words":2,"start":1304.59,"end":1304.9099},{"sentences":[{"text":"So","start":1304.855,"end":1305.015,"sentiment":"neutral","sentiment_score":0.002274066209793091}],"sentiment":"neutral","sentiment_score":0.002274066209793091,"channel":0,"num_words":1,"start":1304.855,"end":1305.015},{"sentences":[{"text":"middle.","start":1304.9099,"end":1305.3099,"sentiment":"neutral","sentiment_score":0.008726615458726883}],"sentiment":"neutral","sentiment_score":0.008726615458726883,"channel":1,"num_words":1,"start":1304.9099,"end":1305.3099},{"sentences":[{"text":"with that","start":1305.015,"end":1305.4149,"sentiment":"neutral","sentiment_score":0.008169837296009064}],"sentiment":"neutral","sentiment_score":0.008169837296009064,"channel":0,"num_words":2,"start":1305.015,"end":1305.4149},{"sentences":[{"text":"Yeah.","start":1305.3099,"end":1305.7899,"sentiment":"neutral","sentiment_score":0.009226175956428053}],"sentiment":"neutral","sentiment_score":0.009226175956428053,"channel":1,"num_words":1,"start":1305.3099,"end":1305.7899},{"sentences":[{"text":"eighty twenty","start":1305.4149,"end":1306.0549,"sentiment":"neutral","sentiment_score":0.007471992168575525}],"sentiment":"neutral","sentiment_score":0.007471992168575525,"channel":0,"num_words":2,"start":1305.4149,"end":1306.0549},{"sentences":[{"text":"Yeah.","start":1305.7899,"end":1306.2899,"sentiment":"neutral","sentiment_score":0.01068478636443615}],"sentiment":"neutral","sentiment_score":0.01068478636443615,"channel":1,"num_words":1,"start":1305.7899,"end":1306.2899},{"sentences":[{"text":"split yeah.","start":1306.0549,"end":1306.955,"sentiment":"neutral","sentiment_score":0.01625406090170145}],"sentiment":"neutral","sentiment_score":0.01625406090170145,"channel":0,"num_words":2,"start":1306.0549,"end":1306.955},{"sentences":[{"text":"Yeah.","start":1306.99,"end":1307.49,"sentiment":"neutral","sentiment_score":0.04760035127401352}],"sentiment":"neutral","sentiment_score":0.04760035127401352,"channel":1,"num_words":1,"start":1306.99,"end":1307.49},{"sentences":[{"text":"And, realistically, this sort of portfolio does sort of sit with your time horizon.","start":1307.1799,"end":1311.9199,"sentiment":"neutral","sentiment_score":0.07717548443802766},{"text":"It generally suits someone who has about six years before they're wanting to access their super.","start":1312.46,"end":1316.88,"sentiment":"neutral","sentiment_score":0.07871406525373459},{"text":"As","start":1317.26,"end":1317.4199,"sentiment":"neutral","sentiment_score":0.038588687777519226}],"sentiment":"neutral","sentiment_score":0.07672485528934386,"channel":0,"num_words":31,"start":1307.1799,"end":1317.4199},{"sentences":[{"text":"Yes.","start":1317.395,"end":1317.895,"sentiment":"neutral","sentiment_score":0.010731571353971958}],"sentiment":"neutral","sentiment_score":0.010731571353971958,"channel":1,"num_words":1,"start":1317.395,"end":1317.895},{"sentences":[{"text":"I mentioned, you have the eighty twenty kind of split between gross defensive assets.","start":1317.4199,"end":1321.5,"sentiment":"neutral","sentiment_score":0.0325174250506929},{"text":"And","start":1321.5,"end":1322.0,"sentiment":"neutral","sentiment_score":0.05900873616337776}],"sentiment":"neutral","sentiment_score":0.034283512458205226,"channel":0,"num_words":15,"start":1317.4199,"end":1322.0},{"sentences":[{"text":"Yes.","start":1322.035,"end":1322.535,"sentiment":"neutral","sentiment_score":0.1349371075630188}],"sentiment":"neutral","sentiment_score":0.1349371075630188,"channel":1,"num_words":1,"start":1322.035,"end":1322.535},{"sentences":[{"text":"the average return we're looking to try and achieve over the longer term from this one is about seven to 9% on a yearly basis.","start":1322.105,"end":1328.685,"sentiment":"neutral","sentiment_score":0.11938423201441765},{"text":"So looking","start":1328.745,"end":1329.625,"sentiment":"neutral","sentiment_score":0.07732443138957024}],"sentiment":"neutral","sentiment_score":0.11626869122739192,"channel":0,"num_words":27,"start":1322.105,"end":1329.625},{"sentences":[{"text":"Yes.","start":1329.61,"end":1330.11,"sentiment":"neutral","sentiment_score":0.18369469046592712}],"sentiment":"neutral","sentiment_score":0.18369469046592712,"channel":1,"num_words":1,"start":1329.61,"end":1330.11},{"sentences":[{"text":"at how your super this year has performed, net of fees, you've actually performed and returned 8.28 percent.","start":1329.625,"end":1336.765,"sentiment":"neutral","sentiment_score":0.2985902966724502},{"text":"So","start":1337.2001,"end":1337.3601,"sentiment":"neutral","sentiment_score":0.23315870761871335}],"sentiment":"neutral","sentiment_score":0.29514652882751663,"channel":0,"num_words":19,"start":1329.625,"end":1337.3601},{"sentences":[{"text":"Mhmm.","start":1337.21,"end":1337.71,"sentiment":"neutral","sentiment_score":0.30444788932800293}],"sentiment":"neutral","sentiment_score":0.30444788932800293,"channel":1,"num_words":1,"start":1337.21,"end":1337.71},{"sentences":[{"text":"it is definitely in that range.","start":1337.3601,"end":1339.04,"sentiment":"positive","sentiment_score":0.4609935184319814},{"text":"You're kind of on track with what what we're kind of aiming for with this portfolio.","start":1339.04,"end":1343.06,"sentiment":"positive","sentiment_score":0.39555894397199154},{"text":"And to come","start":1343.6001,"end":1344.16,"sentiment":"neutral","sentiment_score":0.16975858310858408}],"sentiment":"positive","sentiment_score":0.38416719853878023,"channel":0,"num_words":25,"start":1337.3601,"end":1344.16},{"sentences":[{"text":"Yes.","start":1343.975,"end":1344.475,"sentiment":"neutral","sentiment_score":0.21774470806121823}],"sentiment":"neutral","sentiment_score":0.21774470806121823,"channel":1,"num_words":1,"start":1343.975,"end":1344.475},{"sentences":[{"text":"out even with what's been happening this year and with Ben along, having a bit of a downtime and not performing the way we wanted to to come up with an 8% return net of fees.","start":1344.16,"end":1353.565,"sentiment":"neutral","sentiment_score":0.12005457463156846},{"text":"There's still a good","start":1353.565,"end":1354.365,"sentiment":"positive","sentiment_score":0.4768664985895157}],"sentiment":"neutral","sentiment_score":0.1557357670273632,"channel":0,"num_words":40,"start":1344.16,"end":1354.365},{"sentences":[{"text":"Yes.","start":1354.27,"end":1354.77,"sentiment":"positive","sentiment_score":0.6343162059783936}],"sentiment":"positive","sentiment_score":0.6343162059783936,"channel":1,"num_words":1,"start":1354.27,"end":1354.77},{"sentences":[{"text":"positive result.","start":1354.365,"end":1355.245,"sentiment":"positive","sentiment_score":0.6888822317123413},{"text":"So very happy with that for the year.","start":1355.245,"end":1357.1649,"sentiment":"positive","sentiment_score":0.7572223469614983},{"text":"Yeah.","start":1357.1649,"end":1357.6649,"sentiment":"neutral","sentiment_score":0.23370707035064697}],"sentiment":"positive","sentiment_score":0.6972045735879377,"channel":0,"num_words":11,"start":1354.365,"end":1357.6649},{"sentences":[{"text":"Yes.","start":1357.55,"end":1358.05,"sentiment":"positive","sentiment_score":0.34316378831863403}],"sentiment":"positive","sentiment_score":0.34316378831863403,"channel":1,"num_words":1,"start":1357.55,"end":1358.05},{"sentences":[{"text":"Fantastic.","start":1358.9249,"end":1359.4249,"sentiment":"positive","sentiment_score":0.5956764221191406},{"text":"So I definitely wanna keep you in that growth kind of environment a bit longer.","start":1359.565,"end":1362.7649,"sentiment":"neutral","sentiment_score":0.3062595516443253},{"text":"If you ever find the day that you are a bit nervous about what's happening or just had some questions around the investments or anything that you are hearing, please do give us a call.","start":1362.7649,"end":1371.1799,"sentiment":"neutral","sentiment_score":0.05856325076227742},{"text":"We are here to help you along and definitely provide information and guide you through those times.","start":1371.1799,"end":1375.82,"sentiment":"neutral","sentiment_score":0.29948556335533366},{"text":"But I'm very positive and very happy with how your super performed for the year.","start":1375.82,"end":1379.955,"sentiment":"positive","sentiment_score":0.7102358043193817}],"sentiment":"neutral","sentiment_score":0.2769165676541582,"channel":0,"num_words":83,"start":1358.9249,"end":1379.955},{"sentences":[{"text":"So we'll, you know,","start":1379.955,"end":1380.9149,"sentiment":"neutral","sentiment_score":0.14414137229323387}],"sentiment":"neutral","sentiment_score":0.14414137229323387,"channel":0,"num_words":4,"start":1379.955,"end":1380.9149},{"sentences":[{"text":"Mhmm.","start":1380.805,"end":1380.885,"sentiment":"neutral","sentiment_score":0.09433133900165558},{"text":"Yep.","start":1380.885,"end":1381.385,"sentiment":"neutral","sentiment_score":0.12231487035751344}],"sentiment":"neutral","sentiment_score":0.1083231046795845,"channel":1,"num_words":2,"start":1380.805,"end":1381.385},{"sentences":[{"text":"try to keep it on track, and I'll just make some alterations of those investments, and I'll come back with an advice document that shows you what I'm outlining recommendation wise.","start":1380.9149,"end":1389.4149,"sentiment":"neutral","sentiment_score":0.18346100661062426},{"text":"Okay?","start":1389.475,"end":1389.975,"sentiment":"neutral","sentiment_score":0.10904359817504884}],"sentiment":"neutral","sentiment_score":0.18113546259701252,"channel":0,"num_words":32,"start":1380.9149,"end":1389.975},{"sentences":[{"text":"Yeah.","start":1389.9199,"end":1390.4199,"sentiment":"neutral","sentiment_score":0.1492180973291397},{"text":"Yeah.","start":1390.48,"end":1390.8799,"sentiment":"neutral","sentiment_score":0.24234509468078613},{"text":"Sounds good.","start":1390.8799,"end":1391.7799,"sentiment":"positive","sentiment_score":0.5172094404697418}],"sentiment":"positive","sentiment_score":0.35649551823735237,"channel":1,"num_words":4,"start":1389.9199,"end":1391.7799},{"sentences":[{"text":"Beautiful.","start":1391.635,"end":1392.135,"sentiment":"positive","sentiment_score":0.5098555684089661},{"text":"Now the other thing is you do also have insurances inside your super fund there as well, paid out of super at the moment.","start":1393.1699,"end":1398.85,"sentiment":"neutral","sentiment_score":0.057501633651554585},{"text":"So you've got your life and TBD with ClearView.","start":1398.85,"end":1402.07,"sentiment":"neutral","sentiment_score":0.05122478989263376},{"text":"The current sum insured for those is about 861,842.","start":1402.9299,"end":1409.295,"sentiment":"neutral","sentiment_score":0.021860183113151126},{"text":"In","start":1409.835,"end":1410.0751,"sentiment":"neutral","sentiment_score":0.01190202310681343}],"sentiment":"neutral","sentiment_score":0.05817185355011712,"channel":0,"num_words":44,"start":1391.635,"end":1410.0751},{"sentences":[{"text":"Mhmm.","start":1409.845,"end":1410.345,"sentiment":"neutral","sentiment_score":0.014170369133353232}],"sentiment":"neutral","sentiment_score":0.014170369133353232,"channel":1,"num_words":1,"start":1409.845,"end":1410.345},{"sentences":[{"text":"the event of a life event, so if you were to pass away prematurely, your super is paid out as well as your life cover.","start":1410.0751,"end":1416.795,"sentiment":"neutral","sentiment_score":0.00878387652337551},{"text":"So, realistically, you've got that extra $113,009.53 on top of the $8.61.","start":1416.795,"end":1422.8151,"sentiment":"neutral","sentiment_score":0.07735649310052395},{"text":"When we sort","start":1422.95,"end":1423.35,"sentiment":"neutral","sentiment_score":0.033704504991571106}],"sentiment":"neutral","sentiment_score":0.031224708631634714,"channel":0,"num_words":40,"start":1410.0751,"end":1423.35},{"sentences":[{"text":"Yes.","start":1423.3401,"end":1423.785,"sentiment":"neutral","sentiment_score":0.04329333081841469}],"sentiment":"neutral","sentiment_score":0.04329333081841469,"channel":1,"num_words":1,"start":1423.3401,"end":1423.785},{"sentences":[{"text":"of have a look at your assets there, having a look.","start":1423.35,"end":1427.75,"sentiment":"neutral","sentiment_score":0.04274498154832558},{"text":"So with the loans, just to confirm, and let me know if there's any changes here, but your main primary residence there, I have it down here that you're owing about 540,000.","start":1427.75,"end":1437.325,"sentiment":"neutral","sentiment_score":0.013238269537396263},{"text":"Is that fairly accurate, or would that change?","start":1437.325,"end":1439.985,"sentiment":"neutral","sentiment_score":0.0005185208283364773}],"sentiment":"neutral","sentiment_score":0.017607207624606935,"channel":0,"num_words":51,"start":1423.35,"end":1439.985},{"sentences":[{"text":"Let me just have a quick look.","start":1440.41,"end":1442.67,"sentiment":"neutral","sentiment_score":0.011791975370475225}],"sentiment":"neutral","sentiment_score":0.011791975370475225,"channel":1,"num_words":7,"start":1440.41,"end":1442.67},{"sentences":[{"text":"That's okay.","start":1442.525,"end":1443.345,"sentiment":"neutral","sentiment_score":0.08584040030837059}],"sentiment":"neutral","sentiment_score":0.08584040030837059,"channel":0,"num_words":2,"start":1442.525,"end":1443.345},{"sentences":[{"text":"I'll just jump on to my home loans.","start":1444.41,"end":1447.87,"sentiment":"neutral","sentiment_score":0.05874190106987953}],"sentiment":"neutral","sentiment_score":0.05874190106987953,"channel":1,"num_words":8,"start":1444.41,"end":1447.87},{"sentences":[{"text":"Yep.","start":1448.3,"end":1448.8,"sentiment":"neutral","sentiment_score":0.03678935021162033}],"sentiment":"neutral","sentiment_score":0.03678935021162033,"channel":0,"num_words":1,"start":1448.3,"end":1448.8},{"sentences":[{"text":"Okay.","start":1449.29,"end":1449.77,"sentiment":"neutral","sentiment_score":0.019654937088489532},{"text":"So sorry.","start":1449.77,"end":1450.49,"sentiment":"neutral","sentiment_score":-0.021952591836452484},{"text":"Say that again.","start":1450.49,"end":1451.39,"sentiment":"neutral","sentiment_score":-0.026938159639636677},{"text":"The","start":1451.53,"end":1452.03,"sentiment":"neutral","sentiment_score":-0.02681373432278633}],"sentiment":"neutral","sentiment_score":-0.018839779975158826,"channel":1,"num_words":7,"start":1449.29,"end":1452.03},{"sentences":[{"text":"I had a loan of 540,000.","start":1452.3,"end":1455.12,"sentiment":"neutral","sentiment_score":-0.010616046221305927}],"sentiment":"neutral","sentiment_score":-0.010616046221305927,"channel":0,"num_words":6,"start":1452.3,"end":1455.12},{"sentences":[{"text":"for the Woodvale property?","start":1457.655,"end":1459.275,"sentiment":"neutral","sentiment_score":-0.0010336736449971795}],"sentiment":"neutral","sentiment_score":-0.0010336736449971795,"channel":1,"num_words":4,"start":1457.655,"end":1459.275},{"sentences":[{"text":"That's Timberlane.","start":1460.3,"end":1461.44,"sentiment":"neutral","sentiment_score":0.0005623858305625618}],"sentiment":"neutral","sentiment_score":0.0005623858305625618,"channel":0,"num_words":2,"start":1460.3,"end":1461.44},{"sentences":[{"text":"Yeah.","start":1462.375,"end":1462.875,"sentiment":"neutral","sentiment_score":-0.007802669424563646},{"text":"No.","start":1463.495,"end":1463.815,"sentiment":"neutral","sentiment_score":-0.06662161648273468},{"text":"So that is we are about 400,000 on that one.","start":1463.815,"end":1468.55,"sentiment":"neutral","sentiment_score":-0.03272960921749472}],"sentiment":"neutral","sentiment_score":-0.03347669817352047,"channel":1,"num_words":12,"start":1462.375,"end":1468.55},{"sentences":[{"text":"Oh, fantastic.","start":1468.485,"end":1469.465,"sentiment":"positive","sentiment_score":0.6157702207565308},{"text":"That's a really good joke.","start":1469.605,"end":1470.8049,"sentiment":"positive","sentiment_score":0.6268285274505615},{"text":"Excellent.","start":1470.8049,"end":1471.3049,"sentiment":"positive","sentiment_score":0.5136573314666748}],"sentiment":"positive","sentiment_score":0.609917551279068,"channel":0,"num_words":8,"start":1468.485,"end":1471.3049},{"sentences":[{"text":"It's yeah.","start":1471.7301,"end":1472.37,"sentiment":"neutral","sentiment_score":0.1904168426990509},{"text":"It's it's not really.","start":1472.37,"end":1473.5701,"sentiment":"neutral","sentiment_score":-0.10354484803974628},{"text":"We just shuffle things around.","start":1473.5701,"end":1475.03,"sentiment":"neutral","sentiment_score":-0.09406945556402206}],"sentiment":"neutral","sentiment_score":-0.045790271325544876,"channel":1,"num_words":11,"start":1471.7301,"end":1475.03},{"sentences":[{"text":"Alright.","start":1475.94,"end":1476.44,"sentiment":"neutral","sentiment_score":0.0439494326710701},{"text":"I've also got the investment property for Estuary, and that one there had a loan of 560,000.","start":1478.42,"end":1485.16,"sentiment":"neutral","sentiment_score":0.034060073468615025}],"sentiment":"neutral","sentiment_score":0.03460948231319586,"channel":0,"num_words":18,"start":1475.94,"end":1485.16},{"sentences":[{"text":"Yeah.","start":1485.645,"end":1485.9651,"sentiment":"neutral","sentiment_score":0.014998916536569595},{"text":"So that's that one's it's gone up.","start":1485.9651,"end":1488.2051,"sentiment":"neutral","sentiment_score":-0.00220110932631152},{"text":"So we've we've put money we've taken money out of our investment properties to put into the house, into our","start":1488.2051,"end":1493.62,"sentiment":"neutral","sentiment_score":0.02722958130761981}],"sentiment":"neutral","sentiment_score":0.019435099193028042,"channel":1,"num_words":28,"start":1485.645,"end":1493.62},{"sentences":[{"text":"Yep.","start":1493.475,"end":1493.975,"sentiment":"neutral","sentiment_score":-0.001946207135915756}],"sentiment":"neutral","sentiment_score":-0.001946207135915756,"channel":0,"num_words":1,"start":1493.475,"end":1493.975},{"sentences":[{"text":"own occupied because we don't make any money on that.","start":1493.62,"end":1496.28,"sentiment":"neutral","sentiment_score":-0.03634141646325588}],"sentiment":"neutral","sentiment_score":-0.03634141646325588,"channel":1,"num_words":10,"start":1493.62,"end":1496.28},{"sentences":[{"text":"Absolutely.","start":1496.515,"end":1497.015,"sentiment":"neutral","sentiment_score":0.1276346743106842}],"sentiment":"neutral","sentiment_score":0.1276346743106842,"channel":0,"num_words":1,"start":1496.515,"end":1497.015},{"sentences":[{"text":"So the Heathridge, the entry one is 660.","start":1496.58,"end":1500.6799,"sentiment":"neutral","sentiment_score":0.06999608036130667}],"sentiment":"neutral","sentiment_score":0.06999608036130667,"channel":1,"num_words":8,"start":1496.58,"end":1500.6799},{"sentences":[{"text":"$6.60.","start":1501.41,"end":1502.2101,"sentiment":"neutral","sentiment_score":0.08396837115287781},{"text":"Beautiful.","start":1502.2101,"end":1502.7101,"sentiment":"positive","sentiment_score":0.4201813936233521},{"text":"And then","start":1502.85,"end":1503.41,"sentiment":"neutral","sentiment_score":0.13026775047183037}],"sentiment":"neutral","sentiment_score":0.19117131642997265,"channel":0,"num_words":4,"start":1501.41,"end":1503.41},{"sentences":[{"text":"Yep.","start":1503.38,"end":1503.88,"sentiment":"neutral","sentiment_score":0.10899853706359865}],"sentiment":"neutral","sentiment_score":0.10899853706359865,"channel":1,"num_words":1,"start":1503.38,"end":1503.88},{"sentences":[{"text":"the other one I had here is a Carasa, and it was $518,005.30.","start":1503.41,"end":1514.7451,"sentiment":"neutral","sentiment_score":0.04930368595971511}],"sentiment":"neutral","sentiment_score":0.04930368595971511,"channel":0,"num_words":13,"start":1503.41,"end":1514.7451},{"sentences":[{"text":"Yeah.","start":1508.905,"end":1509.225,"sentiment":"neutral","sentiment_score":0.06971478462219238},{"text":"That's I mean, yeah.","start":1509.225,"end":1510.265,"sentiment":"neutral","sentiment_score":0.08488576672971249},{"text":"It's $5.13 now.","start":1510.265,"end":1511.785,"sentiment":"neutral","sentiment_score":0.08430995047092438},{"text":"So, yep, that's pretty accurate.","start":1511.785,"end":1513.625,"sentiment":"neutral","sentiment_score":0.18449686467647552},{"text":"Yeah.","start":1513.625,"end":1514.125,"sentiment":"neutral","sentiment_score":0.06983253359794617}],"sentiment":"neutral","sentiment_score":0.1181788971381528,"channel":1,"num_words":14,"start":1508.905,"end":1514.125},{"sentences":[{"text":"So yeah.","start":1514.345,"end":1514.625,"sentiment":"neutral","sentiment_score":0.06160900369286537},{"text":"So","start":1514.625,"end":1514.665,"sentiment":"neutral","sentiment_score":0.056082602590322495}],"sentiment":"neutral","sentiment_score":0.059766869992017746,"channel":1,"num_words":3,"start":1514.345,"end":1514.665},{"sentences":[{"text":"Then heck.","start":1514.7451,"end":1516.485,"sentiment":"neutral","sentiment_score":0.07827031053602695},{"text":"Excellent.","start":1516.7051,"end":1517.2051,"sentiment":"neutral","sentiment_score":0.2549927532672882},{"text":"So looking at the way and","start":1517.505,"end":1519.1051,"sentiment":"neutral","sentiment_score":0.06621844259401162}],"sentiment":"neutral","sentiment_score":0.08987155887815687,"channel":0,"num_words":9,"start":1514.7451,"end":1519.1051},{"sentences":[{"text":"mhmm.","start":1518.985,"end":1519.485,"sentiment":"neutral","sentiment_score":0.03664572909474373}],"sentiment":"neutral","sentiment_score":0.03664572909474373,"channel":1,"num_words":1,"start":1518.985,"end":1519.485},{"sentences":[{"text":"what you wanted your life cover to pay out, so with your goal with your life insurance, if you","start":1519.1051,"end":1523.6001,"sentiment":"neutral","sentiment_score":0.04736597522308952}],"sentiment":"neutral","sentiment_score":0.04736597522308952,"channel":0,"num_words":19,"start":1519.1051,"end":1523.6001},{"sentences":[{"text":"Yeah.","start":1523.465,"end":1523.965,"sentiment":"neutral","sentiment_score":-0.01526581309735775}],"sentiment":"neutral","sentiment_score":-0.01526581309735775,"channel":1,"num_words":1,"start":1523.465,"end":1523.965},{"sentences":[{"text":"were to pass away prematurely, are you wanting to just have your main primary residence covered and then, you know, allow your partner to sell the investment properties or keep them depending on what he chooses, or are you kinda wanting","start":1523.6001,"end":1534.88,"sentiment":"neutral","sentiment_score":-0.01537807960426662}],"sentiment":"neutral","sentiment_score":-0.01537807960426662,"channel":0,"num_words":41,"start":1523.6001,"end":1534.88},{"sentences":[{"text":"Yeah.","start":1534.6799,"end":1534.76,"sentiment":"neutral","sentiment_score":0.0022075623273849487},{"text":"Yeah.","start":1534.76,"end":1535.26,"sentiment":"neutral","sentiment_score":0.000211251899600029}],"sentiment":"neutral","sentiment_score":0.0012094071134924889,"channel":1,"num_words":2,"start":1534.6799,"end":1535.26},{"sentences":[{"text":"to cover all the loans?","start":1534.88,"end":1536.7201,"sentiment":"neutral","sentiment_score":-0.011671999841928482},{"text":"What would your goal be with?","start":1536.7201,"end":1538.26,"sentiment":"neutral","sentiment_score":-0.014407909164826075}],"sentiment":"neutral","sentiment_score":-0.013164314018054441,"channel":0,"num_words":11,"start":1534.88,"end":1538.26},{"sentences":[{"text":"Yeah.","start":1537.7999,"end":1537.96,"sentiment":"neutral","sentiment_score":-0.07009845972061157},{"text":"No.","start":1537.96,"end":1538.2,"sentiment":"neutral","sentiment_score":-0.20536935329437256},{"text":"We wouldn't wanna cover all the lines.","start":1538.2,"end":1539.975,"sentiment":"neutral","sentiment_score":-0.18285979330539703},{"text":"Yeah.","start":1539.975,"end":1540.215,"sentiment":"neutral","sentiment_score":-0.06312785297632217},{"text":"Just","start":1540.215,"end":1540.535,"sentiment":"neutral","sentiment_score":-0.0867803692817688}],"sentiment":"neutral","sentiment_score":-0.15503587167371402,"channel":1,"num_words":11,"start":1537.7999,"end":1540.535},{"sentences":[{"text":"No.","start":1540.415,"end":1540.915,"sentiment":"neutral","sentiment_score":-0.10744105279445648}],"sentiment":"neutral","sentiment_score":-0.10744105279445648,"channel":0,"num_words":1,"start":1540.415,"end":1540.915},{"sentences":[{"text":"the primary.","start":1540.535,"end":1541.195,"sentiment":"neutral","sentiment_score":-0.10593560710549355},{"text":"Mhmm.","start":1541.655,"end":1542.155,"sentiment":"neutral","sentiment_score":-0.02820849046111107}],"sentiment":"neutral","sentiment_score":-0.08002656822403272,"channel":1,"num_words":3,"start":1540.535,"end":1542.155},{"sentences":[{"text":"Yep.","start":1541.855,"end":1542.355,"sentiment":"neutral","sentiment_score":0.015256568789482117},{"text":"That's okay.","start":1542.655,"end":1543.375,"sentiment":"neutral","sentiment_score":0.000463215634226799},{"text":"So with the current cover you have at the moment, that would obviously pay off the main primary residence there to cover the 400,000 owing.","start":1543.375,"end":1550.675,"sentiment":"neutral","sentiment_score":0.0202144805714488},{"text":"And then, you know, you would have that extra buffer which he could either put on the loans or use to take some time off to allow, you know, bereavement, work out what he wants to do, you","start":1551.21,"end":1561.77,"sentiment":"neutral","sentiment_score":0.035183100887623275}],"sentiment":"neutral","sentiment_score":0.02815913406172485,"channel":0,"num_words":66,"start":1541.855,"end":1561.77},{"sentences":[{"text":"Yes.","start":1561.75,"end":1562.25,"sentiment":"neutral","sentiment_score":0.0217756275087595}],"sentiment":"neutral","sentiment_score":0.0217756275087595,"channel":1,"num_words":1,"start":1561.75,"end":1562.25},{"sentences":[{"text":"know, get whether he","start":1561.77,"end":1562.89,"sentiment":"neutral","sentiment_score":0.018336988054215908}],"sentiment":"neutral","sentiment_score":0.018336988054215908,"channel":0,"num_words":4,"start":1561.77,"end":1562.89},{"sentences":[{"text":"Yes.","start":1562.79,"end":1563.29,"sentiment":"neutral","sentiment_score":0.02213091030716896}],"sentiment":"neutral","sentiment_score":0.02213091030716896,"channel":1,"num_words":1,"start":1562.79,"end":1563.29},{"sentences":[{"text":"wants to, you know, not work for a couple of years, take care of the kids, consider, you know, childcare aspects.","start":1562.89,"end":1567.885,"sentiment":"neutral","sentiment_score":-0.011162992078988325},{"text":"So are you fairly comfortable with the life sorry, life cover that","start":1567.885,"end":1571.005,"sentiment":"neutral","sentiment_score":0.02339178106437127}],"sentiment":"neutral","sentiment_score":0.001402379973142436,"channel":0,"num_words":33,"start":1562.89,"end":1571.005},{"sentences":[{"text":"Yeah.","start":1570.965,"end":1571.465,"sentiment":"neutral","sentiment_score":0.01897689886391163}],"sentiment":"neutral","sentiment_score":0.01897689886391163,"channel":1,"num_words":1,"start":1570.965,"end":1571.465},{"sentences":[{"text":"you have at the moment?","start":1571.005,"end":1572.045,"sentiment":"neutral","sentiment_score":0.010007420554757118}],"sentiment":"neutral","sentiment_score":0.010007420554757118,"channel":0,"num_words":5,"start":1571.005,"end":1572.045},{"sentences":[{"text":"Yes.","start":1571.765,"end":1572.265,"sentiment":"neutral","sentiment_score":0.08318664133548737}],"sentiment":"neutral","sentiment_score":0.08318664133548737,"channel":1,"num_words":1,"start":1571.765,"end":1572.265},{"sentences":[{"text":"Yep.","start":1572.045,"end":1572.545,"sentiment":"neutral","sentiment_score":0.11824935674667358}],"sentiment":"neutral","sentiment_score":0.11824935674667358,"channel":0,"num_words":1,"start":1572.045,"end":1572.545},{"sentences":[{"text":"Yes.","start":1572.3251,"end":1572.725,"sentiment":"neutral","sentiment_score":0.19938760995864868},{"text":"I think that's adequate.","start":1572.725,"end":1573.765,"sentiment":"positive","sentiment_score":0.3786807507276535}],"sentiment":"positive","sentiment_score":0.34282212257385253,"channel":1,"num_words":5,"start":1572.3251,"end":1573.765},{"sentences":[{"text":"Beautiful.","start":1573.485,"end":1573.985,"sentiment":"positive","sentiment_score":0.6132553815841675}],"sentiment":"positive","sentiment_score":0.6132553815841675,"channel":0,"num_words":1,"start":1573.485,"end":1573.985},{"sentences":[{"text":"Yep.","start":1573.765,"end":1574.265,"sentiment":"positive","sentiment_score":0.3721688687801361}],"sentiment":"positive","sentiment_score":0.3721688687801361,"channel":1,"num_words":1,"start":1573.765,"end":1574.265},{"sentences":[{"text":"Beautiful.","start":1575.3251,"end":1575.69,"sentiment":"positive","sentiment_score":0.5117883682250977},{"text":"Now with TBD, total permanent disability is paid out in the event that you're never able to go back to work again.","start":1575.85,"end":1581.7699,"sentiment":"neutral","sentiment_score":0.10699590092355554},{"text":"So with TBD,","start":1581.7699,"end":1582.75,"sentiment":"neutral","sentiment_score":0.026862379163503647}],"sentiment":"neutral","sentiment_score":0.11331866638591656,"channel":0,"num_words":26,"start":1575.3251,"end":1582.75},{"sentences":[{"text":"Yes.","start":1582.27,"end":1582.77,"sentiment":"neutral","sentiment_score":0.044877614825963974}],"sentiment":"neutral","sentiment_score":0.044877614825963974,"channel":1,"num_words":1,"start":1582.27,"end":1582.77},{"sentences":[{"text":"I just like to clarify because not everyone is aware.","start":1583.37,"end":1585.85,"sentiment":"neutral","sentiment_score":-0.003690994903445244},{"text":"Unfortunately, it is also a taxable payment.","start":1585.85,"end":1588.0099,"sentiment":"neutral","sentiment_score":-0.07609784603118896},{"text":"So if you were to claim","start":1588.0099,"end":1589.21,"sentiment":"neutral","sentiment_score":-0.016688583729167778}],"sentiment":"neutral","sentiment_score":-0.029118537983816604,"channel":0,"num_words":23,"start":1583.37,"end":1589.21},{"sentences":[{"text":"Yes.","start":1588.83,"end":1589.33,"sentiment":"neutral","sentiment_score":0.00721945334225893}],"sentiment":"neutral","sentiment_score":0.00721945334225893,"channel":1,"num_words":1,"start":1588.83,"end":1589.33},{"sentences":[{"text":"TBD, you can pay tax of up to 22% depending on how you","start":1589.21,"end":1594.985,"sentiment":"neutral","sentiment_score":0.0013350778474257548}],"sentiment":"neutral","sentiment_score":0.0013350778474257548,"channel":0,"num_words":13,"start":1589.21,"end":1594.985},{"sentences":[{"text":"Okay.","start":1594.965,"end":1595.465,"sentiment":"neutral","sentiment_score":0.0032548438757658005}],"sentiment":"neutral","sentiment_score":0.0032548438757658005,"channel":1,"num_words":1,"start":1594.965,"end":1595.465},{"sentences":[{"text":"take the funds.","start":1594.985,"end":1595.885,"sentiment":"neutral","sentiment_score":0.0028581408162911734},{"text":"We, as advisers, if you ever had to claim TBD, would help you to claim it, but then we would also provide advice on how best to structure those payments so that you could limit the amount","start":1596.025,"end":1606.1,"sentiment":"neutral","sentiment_score":0.058782516802484926}],"sentiment":"neutral","sentiment_score":0.054588188603520396,"channel":0,"num_words":40,"start":1594.985,"end":1606.1},{"sentences":[{"text":"Minimize","start":1606.085,"end":1606.585,"sentiment":"neutral","sentiment_score":0.029942616820335388}],"sentiment":"neutral","sentiment_score":0.029942616820335388,"channel":1,"num_words":1,"start":1606.085,"end":1606.585},{"sentences":[{"text":"of tax that you","start":1606.1,"end":1606.82,"sentiment":"neutral","sentiment_score":-0.04038750380277634}],"sentiment":"neutral","sentiment_score":-0.04038750380277634,"channel":0,"num_words":4,"start":1606.1,"end":1606.82},{"sentences":[{"text":"tax.","start":1606.8049,"end":1607.205,"sentiment":"neutral","sentiment_score":-0.03114800900220871}],"sentiment":"neutral","sentiment_score":-0.03114800900220871,"channel":1,"num_words":1,"start":1606.8049,"end":1607.205},{"sentences":[{"text":"would have","start":1606.82,"end":1607.2999,"sentiment":"neutral","sentiment_score":0.004699047189205885}],"sentiment":"neutral","sentiment_score":0.004699047189205885,"channel":0,"num_words":2,"start":1606.82,"end":1607.2999},{"sentences":[{"text":"Yeah.","start":1607.205,"end":1607.705,"sentiment":"neutral","sentiment_score":0.009884826838970184}],"sentiment":"neutral","sentiment_score":0.009884826838970184,"channel":1,"num_words":1,"start":1607.205,"end":1607.705},{"sentences":[{"text":"to pay.","start":1607.2999,"end":1608.0399,"sentiment":"neutral","sentiment_score":0.0054193222895264626},{"text":"Yeah.","start":1608.1799,"end":1608.6799,"sentiment":"neutral","sentiment_score":0.0296090729534626}],"sentiment":"neutral","sentiment_score":0.013482572510838509,"channel":0,"num_words":3,"start":1607.2999,"end":1608.6799},{"sentences":[{"text":"So yeah.","start":1608.75,"end":1609.65,"sentiment":"neutral","sentiment_score":0.03429076820611954}],"sentiment":"neutral","sentiment_score":0.03429076820611954,"channel":1,"num_words":2,"start":1608.75,"end":1609.65},{"sentences":[{"text":"But you do have the same amount of TBD as you do, like,","start":1609.22,"end":1612.4199,"sentiment":"neutral","sentiment_score":0.05913720193963785}],"sentiment":"neutral","sentiment_score":0.05913720193963785,"channel":0,"num_words":13,"start":1609.22,"end":1612.4199},{"sentences":[{"text":"Okay.","start":1612.3501,"end":1612.8501,"sentiment":"neutral","sentiment_score":0.045914310961961746}],"sentiment":"neutral","sentiment_score":0.045914310961961746,"channel":1,"num_words":1,"start":1612.3501,"end":1612.8501},{"sentences":[{"text":"$861,008.40","start":1612.4199,"end":1614.58,"sentiment":"neutral","sentiment_score":0.03584470599889755}],"sentiment":"neutral","sentiment_score":0.03584470599889755,"channel":0,"num_words":1,"start":1612.4199,"end":1614.58},{"sentences":[{"text":"Yeah.","start":1614.3501,"end":1614.8501,"sentiment":"neutral","sentiment_score":0.04295184835791588}],"sentiment":"neutral","sentiment_score":0.04295184835791588,"channel":1,"num_words":1,"start":1614.3501,"end":1614.8501},{"sentences":[{"text":"2, which realistically would pay off the main primary residence there,","start":1614.58,"end":1618.36,"sentiment":"neutral","sentiment_score":0.05263272164897485}],"sentiment":"neutral","sentiment_score":0.05263272164897485,"channel":0,"num_words":11,"start":1614.58,"end":1618.36},{"sentences":[{"text":"Yeah.","start":1618.91,"end":1619.41,"sentiment":"neutral","sentiment_score":0.0672089010477066}],"sentiment":"neutral","sentiment_score":0.0672089010477066,"channel":1,"num_words":1,"start":1618.91,"end":1619.41},{"sentences":[{"text":"Could also then be used to pay down some of the additional debts, you know, on the other properties if you wanted","start":1619.365,"end":1624.885,"sentiment":"neutral","sentiment_score":0.0767525988207622}],"sentiment":"neutral","sentiment_score":0.0767525988207622,"channel":0,"num_words":22,"start":1619.365,"end":1624.885},{"sentences":[{"text":"Yep.","start":1624.805,"end":1625.305,"sentiment":"neutral","sentiment_score":0.042720865458250046}],"sentiment":"neutral","sentiment_score":0.042720865458250046,"channel":1,"num_words":1,"start":1624.805,"end":1625.305},{"sentences":[{"text":"to, or the additional could be drawn down as income to sort of support, you know, support you for a bit longer,","start":1624.885,"end":1631.065,"sentiment":"neutral","sentiment_score":0.0529860569672151}],"sentiment":"neutral","sentiment_score":0.0529860569672151,"channel":0,"num_words":22,"start":1624.885,"end":1631.065},{"sentences":[{"text":"Yes.","start":1631.285,"end":1631.785,"sentiment":"neutral","sentiment_score":0.036707013845443726}],"sentiment":"neutral","sentiment_score":0.036707013845443726,"channel":1,"num_words":1,"start":1631.285,"end":1631.785},{"sentences":[{"text":"allow for, you know, changes to vehicles or modifications to the home or, you","start":1631.5399,"end":1636.28,"sentiment":"neutral","sentiment_score":0.037091802672616074}],"sentiment":"neutral","sentiment_score":0.037091802672616074,"channel":0,"num_words":14,"start":1631.5399,"end":1636.28},{"sentences":[{"text":"Yeah.","start":1635.97,"end":1636.47,"sentiment":"neutral","sentiment_score":0.03122476302087307}],"sentiment":"neutral","sentiment_score":0.03122476302087307,"channel":1,"num_words":1,"start":1635.97,"end":1636.47},{"sentences":[{"text":"know, recreational recovery, whatever","start":1636.38,"end":1638.34,"sentiment":"neutral","sentiment_score":0.03396595548838377}],"sentiment":"neutral","sentiment_score":0.03396595548838377,"channel":0,"num_words":4,"start":1636.38,"end":1638.34},{"sentences":[{"text":"Yes.","start":1638.0499,"end":1638.5499,"sentiment":"neutral","sentiment_score":0.031336233019828796}],"sentiment":"neutral","sentiment_score":0.031336233019828796,"channel":1,"num_words":1,"start":1638.0499,"end":1638.5499},{"sentences":[{"text":"was sort of needed there.","start":1638.34,"end":1639.2999,"sentiment":"neutral","sentiment_score":0.03139760009944439},{"text":"But do you are you comfortable with the level of cover you have with CBD?","start":1639.2999,"end":1642.76,"sentiment":"neutral","sentiment_score":0.0033804746965567273},{"text":"Did you wanna kinda review that at all?","start":1642.82,"end":1645.0,"sentiment":"neutral","sentiment_score":-0.006228225654922426}],"sentiment":"neutral","sentiment_score":0.005638189846649766,"channel":0,"num_words":28,"start":1638.34,"end":1645.0},{"sentences":[{"text":"No.","start":1645.49,"end":1645.73,"sentiment":"neutral","sentiment_score":-0.06843124330043793},{"text":"I think that's fine.","start":1645.73,"end":1646.87,"sentiment":"neutral","sentiment_score":-0.0013623691629618406}],"sentiment":"neutral","sentiment_score":-0.014776143990457059,"channel":1,"num_words":5,"start":1645.49,"end":1646.87},{"sentences":[{"text":"That's okay.","start":1647.255,"end":1648.155,"sentiment":"neutral","sentiment_score":0.2647097036242485},{"text":"Beautiful.","start":1648.215,"end":1648.715,"sentiment":"positive","sentiment_score":0.4417632222175598},{"text":"And then with the income protection benefit there as well and I do apologize.","start":1649.1749,"end":1652.7949,"sentiment":"neutral","sentiment_score":0.058197627908417156},{"text":"My computer had a little bit of a moment.","start":1652.855,"end":1654.5349,"sentiment":"neutral","sentiment_score":-0.009199552755388949},{"text":"I had your income as a 140,000.","start":1654.5349,"end":1656.695,"sentiment":"neutral","sentiment_score":-0.0032685688098094295}],"sentiment":"neutral","sentiment_score":0.05091737768838577,"channel":0,"num_words":33,"start":1647.255,"end":1656.695},{"sentences":[{"text":"Did you tell me","start":1656.695,"end":1657.4149,"sentiment":"neutral","sentiment_score":-0.004318621940910816}],"sentiment":"neutral","sentiment_score":-0.004318621940910816,"channel":0,"num_words":4,"start":1656.695,"end":1657.4149},{"sentences":[{"text":"Yep.","start":1657.285,"end":1657.785,"sentiment":"neutral","sentiment_score":-0.002544387709349394}],"sentiment":"neutral","sentiment_score":-0.002544387709349394,"channel":1,"num_words":1,"start":1657.285,"end":1657.785},{"sentences":[{"text":"before that you wanted to increase or alter, or is that still the same?","start":1657.4149,"end":1660.215,"sentiment":"neutral","sentiment_score":-0.023267624899744987},{"text":"I'm so sorry.","start":1660.215,"end":1661.0349,"sentiment":"neutral","sentiment_score":-0.18976764877637228}],"sentiment":"neutral","sentiment_score":-0.05264998205444392,"channel":0,"num_words":17,"start":1657.4149,"end":1661.0349},{"sentences":[{"text":"No.","start":1660.715,"end":1660.965,"sentiment":"neutral","sentiment_score":-0.26603201031684875},{"text":"No.","start":1660.965,"end":1661.285,"sentiment":"neutral","sentiment_score":-0.27421966195106506},{"text":"That's that's what it is.","start":1661.285,"end":1662.92,"sentiment":"neutral","sentiment_score":-0.1623142033815384},{"text":"Yeah.","start":1662.92,"end":1663.24,"sentiment":"neutral","sentiment_score":0.0019511384889483452},{"text":"Yeah.","start":1663.24,"end":1663.64,"sentiment":"neutral","sentiment_score":0.01728362776339054}],"sentiment":"neutral","sentiment_score":-0.14806532476925188,"channel":1,"num_words":9,"start":1660.715,"end":1663.64},{"sentences":[{"text":"That right.","start":1663.3099,"end":1663.95,"sentiment":"neutral","sentiment_score":0.033585552126169205}],"sentiment":"neutral","sentiment_score":0.033585552126169205,"channel":0,"num_words":2,"start":1663.3099,"end":1663.95},{"sentences":[{"text":"It's set","start":1663.64,"end":1664.04,"sentiment":"neutral","sentiment_score":0.044422101229429245}],"sentiment":"neutral","sentiment_score":0.044422101229429245,"channel":1,"num_words":2,"start":1663.64,"end":1664.04},{"sentences":[{"text":"Yes.","start":1663.95,"end":1664.4299,"sentiment":"neutral","sentiment_score":0.11236985772848128}],"sentiment":"neutral","sentiment_score":0.11236985772848128,"channel":0,"num_words":1,"start":1663.95,"end":1664.4299},{"sentences":[{"text":"up there.","start":1664.04,"end":1664.52,"sentiment":"neutral","sentiment_score":0.12730447202920914}],"sentiment":"neutral","sentiment_score":0.12730447202920914,"channel":1,"num_words":2,"start":1664.04,"end":1664.52},{"sentences":[{"text":"Beautiful.","start":1664.4299,"end":1664.9299,"sentiment":"positive","sentiment_score":0.5505377054214478}],"sentiment":"positive","sentiment_score":0.5505377054214478,"channel":0,"num_words":1,"start":1664.4299,"end":1664.9299},{"sentences":[{"text":"Yep.","start":1664.52,"end":1664.84,"sentiment":"neutral","sentiment_score":0.2038072794675827},{"text":"Mhmm.","start":1664.84,"end":1665.34,"sentiment":"neutral","sentiment_score":0.06936343759298325}],"sentiment":"neutral","sentiment_score":0.13658535853028297,"channel":1,"num_words":2,"start":1664.52,"end":1665.34},{"sentences":[{"text":"So having a look at that at the moment, with income protection, you can be covered for up to 70% of your income in the event that you're unable to work in the short term.","start":1665.3099,"end":1674.37,"sentiment":"neutral","sentiment_score":0.030818212085536548},{"text":"With the income protection benefit you have, you have a benefit amount of $6,008.38.","start":1675.265,"end":1680.865,"sentiment":"neutral","sentiment_score":0.0657160726508924},{"text":"It's a pretax amount and a monthly benefit.","start":1680.865,"end":1683.4249,"sentiment":"neutral","sentiment_score":0.05421912530437112},{"text":"So that's how much you could claim pretax if you are off work.","start":1683.4249,"end":1687.205,"sentiment":"neutral","sentiment_score":0.006354363348621588}],"sentiment":"neutral","sentiment_score":0.03592888808676175,"channel":0,"num_words":70,"start":1665.3099,"end":1687.205},{"sentences":[{"text":"Okay.","start":1687.23,"end":1687.73,"sentiment":"neutral","sentiment_score":0.03253501281142235}],"sentiment":"neutral","sentiment_score":0.03253501281142235,"channel":1,"num_words":1,"start":1687.23,"end":1687.73},{"sentences":[{"text":"70% of your current income would mean we'd need to increase that benefit to about 8,001","start":1687.75,"end":1693.35,"sentiment":"neutral","sentiment_score":0.035538043710403144}],"sentiment":"neutral","sentiment_score":0.035538043710403144,"channel":0,"num_words":16,"start":1687.75,"end":1693.35},{"sentences":[{"text":"Okay.","start":1693.2375,"end":1693.7375,"sentiment":"neutral","sentiment_score":0.01209794171154499}],"sentiment":"neutral","sentiment_score":0.01209794171154499,"channel":1,"num_words":1,"start":1693.2375,"end":1693.7375},{"sentences":[{"text":"166 per month.","start":1693.35,"end":1695.11,"sentiment":"neutral","sentiment_score":-0.012912392616271973},{"text":"So you are a little bit underinsured at the moment.","start":1695.11,"end":1697.69,"sentiment":"neutral","sentiment_score":-0.10234393551945686},{"text":"However, in the event of, say, claiming on income protection, would the benefit you're covered for the $6.08 $3.08 plus maybe your husband's income, plus any income from the investment properties or anywhere else that you're able to generate funds from, would all that be sufficient, or would you need to maybe look at increasing that income protection benefit?","start":1699.11,"end":1718.755,"sentiment":"neutral","sentiment_score":0.005247030280909296}],"sentiment":"neutral","sentiment_score":-0.01045280203430189,"channel":0,"num_words":72,"start":1693.35,"end":1718.755},{"sentences":[{"text":"What would the cost be of increasing the benefit?","start":1720.78,"end":1724.255,"sentiment":"neutral","sentiment_score":-0.026712962943646643}],"sentiment":"neutral","sentiment_score":-0.026712962943646643,"channel":1,"num_words":9,"start":1720.78,"end":1724.255},{"sentences":[{"text":"I'd have to do a bit of a quote for you and see.","start":1724.0,"end":1726.48,"sentiment":"neutral","sentiment_score":0.005261459477389088}],"sentiment":"neutral","sentiment_score":0.005261459477389088,"channel":0,"num_words":13,"start":1724.0,"end":1726.48},{"sentences":[{"text":"Okay.","start":1726.475,"end":1726.975,"sentiment":"neutral","sentiment_score":0.04814348369836807}],"sentiment":"neutral","sentiment_score":0.04814348369836807,"channel":1,"num_words":1,"start":1726.475,"end":1726.975},{"sentences":[{"text":"If you like, I can generate a quote and send it through","start":1726.48,"end":1728.88,"sentiment":"neutral","sentiment_score":0.04879274840156237}],"sentiment":"neutral","sentiment_score":0.04879274840156237,"channel":0,"num_words":12,"start":1726.48,"end":1728.88},{"sentences":[{"text":"Yeah.","start":1728.795,"end":1729.295,"sentiment":"neutral","sentiment_score":0.05188332125544548}],"sentiment":"neutral","sentiment_score":0.05188332125544548,"channel":1,"num_words":1,"start":1728.795,"end":1729.295},{"sentences":[{"text":"just to give you a bit of a guide.","start":1728.88,"end":1730.24,"sentiment":"neutral","sentiment_score":0.04500422357685036},{"text":"It's not an exact because","start":1730.24,"end":1731.52,"sentiment":"neutral","sentiment_score":-0.041144559159874916}],"sentiment":"neutral","sentiment_score":0.014236801170877047,"channel":0,"num_words":14,"start":1728.88,"end":1731.52},{"sentences":[{"text":"Yeah.","start":1731.275,"end":1731.775,"sentiment":"neutral","sentiment_score":-0.028119828552007675}],"sentiment":"neutral","sentiment_score":-0.028119828552007675,"channel":1,"num_words":1,"start":1731.275,"end":1731.775},{"sentences":[{"text":"it depends on factors there.","start":1731.52,"end":1733.315,"sentiment":"neutral","sentiment_score":-0.034173683822155},{"text":"But I","start":1733.615,"end":1733.855,"sentiment":"neutral","sentiment_score":0.019158240407705307}],"sentiment":"neutral","sentiment_score":-0.018935991185052053,"channel":0,"num_words":7,"start":1731.52,"end":1733.855},{"sentences":[{"text":"Sure.","start":1733.8351,"end":1734.3351,"sentiment":"neutral","sentiment_score":0.07829929888248444}],"sentiment":"neutral","sentiment_score":0.07829929888248444,"channel":1,"num_words":1,"start":1733.8351,"end":1734.3351},{"sentences":[{"text":"could get a bit of a quote and email it through so you can see what the estimated increase might look like and sort of work","start":1733.855,"end":1739.2949,"sentiment":"neutral","sentiment_score":0.07046323183637399}],"sentiment":"neutral","sentiment_score":0.07046323183637399,"channel":0,"num_words":26,"start":1733.855,"end":1739.2949},{"sentences":[{"text":"Yeah.","start":1739.16,"end":1739.66,"sentiment":"neutral","sentiment_score":0.03343969210982323}],"sentiment":"neutral","sentiment_score":0.03343969210982323,"channel":1,"num_words":1,"start":1739.16,"end":1739.66},{"sentences":[{"text":"out if you need to increase.","start":1739.2949,"end":1740.755,"sentiment":"neutral","sentiment_score":-0.000320747805138429},{"text":"Yeah.","start":1740.975,"end":1741.475,"sentiment":"neutral","sentiment_score":0.13889078795909882}],"sentiment":"neutral","sentiment_score":0.019566614446895465,"channel":0,"num_words":7,"start":1739.2949,"end":1741.475},{"sentences":[{"text":"Yeah.","start":1741.16,"end":1741.56,"sentiment":"neutral","sentiment_score":0.21069099009037015},{"text":"If you can do that, that would be great.","start":1741.56,"end":1743.16,"sentiment":"positive","sentiment_score":0.392526282204522}],"sentiment":"positive","sentiment_score":0.3743427529931068,"channel":1,"num_words":10,"start":1741.16,"end":1743.16},{"sentences":[{"text":"Yep.","start":1743.0549,"end":1743.5549,"sentiment":"neutral","sentiment_score":0.30312302708625793}],"sentiment":"neutral","sentiment_score":0.30312302708625793,"channel":0,"num_words":1,"start":1743.0549,"end":1743.5549},{"sentences":[{"text":"Thank you.","start":1743.16,"end":1743.9,"sentiment":"positive","sentiment_score":0.5770895183086395}],"sentiment":"positive","sentiment_score":0.5770895183086395,"channel":1,"num_words":2,"start":1743.16,"end":1743.9},{"sentences":[{"text":"Absolutely.","start":1743.695,"end":1744.195,"sentiment":"positive","sentiment_score":0.4420386552810669},{"text":"Not a problem at all.","start":1744.735,"end":1745.97,"sentiment":"positive","sentiment_score":0.4160981118679047},{"text":"With your income protection, you've also got a ninety day waiting period.","start":1746.21,"end":1749.1699,"sentiment":"neutral","sentiment_score":0.20296350866556168},{"text":"So you just have to be off work for ninety days prior to making a claim.","start":1749.1699,"end":1752.5499,"sentiment":"neutral","sentiment_score":0.08543583983555436}],"sentiment":"neutral","sentiment_score":0.18603131635224118,"channel":0,"num_words":34,"start":1743.695,"end":1752.5499},{"sentences":[{"text":"Okay.","start":1752.8401,"end":1753.305,"sentiment":"neutral","sentiment_score":0.013935981318354608}],"sentiment":"neutral","sentiment_score":0.013935981318354608,"channel":1,"num_words":1,"start":1752.8401,"end":1753.305},{"sentences":[{"text":"We suggest that as soon as you're off work and not able to go back for a period of time, you think you're gonna be off that time frame, to give us a call, let us know.","start":1752.85,"end":1761.105,"sentiment":"neutral","sentiment_score":-0.13633862872784203},{"text":"We can at least let the insurer know that, you know, there is a possible claim coming, and then they can work out, you know, the ninety","start":1761.265,"end":1768.065,"sentiment":"neutral","sentiment_score":0.16760498892377923}],"sentiment":"neutral","sentiment_score":-0.008112415031064302,"channel":0,"num_words":64,"start":1752.85,"end":1768.065},{"sentences":[{"text":"Yes.","start":1768.0399,"end":1768.5399,"sentiment":"neutral","sentiment_score":0.2584972381591797}],"sentiment":"neutral","sentiment_score":0.2584972381591797,"channel":1,"num_words":1,"start":1768.0399,"end":1768.5399},{"sentences":[{"text":"day starting point and just makes it a bit easier and more streamlined there for you.","start":1768.065,"end":1772.245,"sentiment":"positive","sentiment_score":0.494571328163147}],"sentiment":"positive","sentiment_score":0.494571328163147,"channel":0,"num_words":16,"start":1768.065,"end":1772.245},{"sentences":[{"text":"Okay.","start":1772.12,"end":1772.62,"sentiment":"neutral","sentiment_score":0.19609716534614563}],"sentiment":"neutral","sentiment_score":0.19609716534614563,"channel":1,"num_words":1,"start":1772.12,"end":1772.62},{"sentences":[{"text":"And you do have a five year benefit period, so it does mean you can be on a claim for up to five years.","start":1772.465,"end":1777.79,"sentiment":"neutral","sentiment_score":0.20024772609273592},{"text":"After","start":1778.25,"end":1778.65,"sentiment":"neutral","sentiment_score":0.050533026456832886}],"sentiment":"neutral","sentiment_score":0.1942591381072998,"channel":0,"num_words":25,"start":1772.465,"end":1778.65},{"sentences":[{"text":"Okay.","start":1778.36,"end":1778.86,"sentiment":"neutral","sentiment_score":0.07503174990415573}],"sentiment":"neutral","sentiment_score":0.07503174990415573,"channel":1,"num_words":1,"start":1778.36,"end":1778.86},{"sentences":[{"text":"that five years, the claim does stop regardless of whether you can work or not, but I do like a five year benefit period.","start":1778.65,"end":1784.65,"sentiment":"neutral","sentiment_score":0.07780936251704891},{"text":"It means that you're you know, most claims are completed within that sort of one to two years.","start":1784.65,"end":1789.2301,"sentiment":"neutral","sentiment_score":0.1495664099024402},{"text":"However,","start":1789.6101,"end":1790.01,"sentiment":"neutral","sentiment_score":0.016452033072710037}],"sentiment":"neutral","sentiment_score":0.10642028166804203,"channel":0,"num_words":43,"start":1778.65,"end":1790.01},{"sentences":[{"text":"Yes.","start":1789.765,"end":1790.265,"sentiment":"neutral","sentiment_score":0.037518635392189026}],"sentiment":"neutral","sentiment_score":0.037518635392189026,"channel":1,"num_words":1,"start":1789.765,"end":1790.265},{"sentences":[{"text":"there are instances where maybe you need to be on a partial claim for a little bit longer, so having that five year benefit period can provide a bit of a buffer there.","start":1790.01,"end":1797.755,"sentiment":"neutral","sentiment_score":0.029549826500993786}],"sentiment":"neutral","sentiment_score":0.029549826500993786,"channel":0,"num_words":33,"start":1790.01,"end":1797.755},{"sentences":[{"text":"Yep.","start":1798.3301,"end":1798.8301,"sentiment":"neutral","sentiment_score":0.04981566220521927}],"sentiment":"neutral","sentiment_score":0.04981566220521927,"channel":1,"num_words":1,"start":1798.3301,"end":1798.8301},{"sentences":[{"text":"Are you sort of happy with the waiting and benefit periods of those at the moment?","start":1798.935,"end":1802.7151,"sentiment":"neutral","sentiment_score":0.0032226648181676873},{"text":"Or","start":1802.775,"end":1803.275,"sentiment":"neutral","sentiment_score":0.03666737303137779}],"sentiment":"neutral","sentiment_score":0.0051900005954153405,"channel":0,"num_words":17,"start":1798.935,"end":1803.275},{"sentences":[{"text":"Yeah.","start":1803.13,"end":1803.4501,"sentiment":"neutral","sentiment_score":0.07983863353729248},{"text":"That's fine.","start":1803.4501,"end":1804.0901,"sentiment":"neutral","sentiment_score":0.16992559283971786},{"text":"Yep.","start":1804.0901,"end":1804.5901,"sentiment":"neutral","sentiment_score":0.1773456186056137}],"sentiment":"neutral","sentiment_score":0.14925885945558548,"channel":1,"num_words":4,"start":1803.13,"end":1804.5901},{"sentences":[{"text":"yes.","start":1804.535,"end":1804.95,"sentiment":"neutral","sentiment_score":0.2491503059864044},{"text":"Beautiful.","start":1805.11,"end":1805.4299,"sentiment":"positive","sentiment_score":0.5769176483154297},{"text":"Do you have any questions about the insurances, how they're structured, or what you can claim, or anything?","start":1805.4299,"end":1811.13,"sentiment":"neutral","sentiment_score":0.15221945858663982}],"sentiment":"neutral","sentiment_score":0.17830091044306756,"channel":0,"num_words":20,"start":1804.535,"end":1811.13},{"sentences":[{"text":"No.","start":1812.2849,"end":1812.765,"sentiment":"neutral","sentiment_score":-0.10323058068752287},{"text":"No.","start":1812.765,"end":1813.005,"sentiment":"neutral","sentiment_score":-0.12661346793174744},{"text":"I don't.","start":1813.005,"end":1813.585,"sentiment":"neutral","sentiment_score":-0.15407384186983109}],"sentiment":"neutral","sentiment_score":-0.13449793308973312,"channel":1,"num_words":4,"start":1812.2849,"end":1813.585},{"sentences":[{"text":"No.","start":1813.2699,"end":1813.7699,"sentiment":"neutral","sentiment_score":-0.13015557825565338},{"text":"That's okay.","start":1814.1499,"end":1815.0499,"sentiment":"neutral","sentiment_score":0.05288410419598222},{"text":"Beautiful.","start":1815.11,"end":1815.61,"sentiment":"positive","sentiment_score":0.4867761731147766},{"text":"And it looks like you don't have any additional insurances that can be held outside sleep.","start":1816.3899,"end":1820.325,"sentiment":"neutral","sentiment_score":0.20041034184396267},{"text":"But I'm having a bit of a look here.","start":1820.325,"end":1821.765,"sentiment":"neutral","sentiment_score":0.09917839947674009}],"sentiment":"neutral","sentiment_score":0.1572951678636259,"channel":0,"num_words":29,"start":1813.2699,"end":1821.765},{"sentences":[{"text":"I can see that you've got three kids, three dependents at home as well.","start":1821.765,"end":1825.2849,"sentiment":"neutral","sentiment_score":0.1022650386605944},{"text":"Is that right?","start":1825.2849,"end":1826.105,"sentiment":"neutral","sentiment_score":0.10057004789511363}],"sentiment":"neutral","sentiment_score":0.10196592264315661,"channel":0,"num_words":17,"start":1821.765,"end":1826.105},{"sentences":[{"text":"Yes.","start":1826.4401,"end":1826.9401,"sentiment":"neutral","sentiment_score":0.04951686412096024}],"sentiment":"neutral","sentiment_score":0.04951686412096024,"channel":1,"num_words":1,"start":1826.4401,"end":1826.9401},{"sentences":[{"text":"Yeah.","start":1827.5249,"end":1828.0249,"sentiment":"neutral","sentiment_score":0.029608651995658875},{"text":"What ages are they?","start":1828.085,"end":1829.385,"sentiment":"neutral","sentiment_score":0.02233300730586052}],"sentiment":"neutral","sentiment_score":0.02378813624382019,"channel":0,"num_words":5,"start":1827.5249,"end":1829.385},{"sentences":[{"text":"17, 15, and 13.","start":1830.2001,"end":1831.9,"sentiment":"neutral","sentiment_score":0.027917071245610714}],"sentiment":"neutral","sentiment_score":0.027917071245610714,"channel":1,"num_words":4,"start":1830.2001,"end":1831.9},{"sentences":[{"text":"Wow.","start":1832.66,"end":1833.16,"sentiment":"neutral","sentiment_score":0.07885850965976715},{"text":"All teenagers.","start":1833.62,"end":1834.36,"sentiment":"neutral","sentiment_score":0.06756823137402534}],"sentiment":"neutral","sentiment_score":0.07133165746927261,"channel":0,"num_words":3,"start":1832.66,"end":1834.36},{"sentences":[{"text":"Yeah.","start":1835.0,"end":1835.4801,"sentiment":"neutral","sentiment_score":0.09665431082248688},{"text":"My daughter my youngest just turned 13 on Sunday.","start":1835.4801,"end":1838.055,"sentiment":"neutral","sentiment_score":0.16266457074218327}],"sentiment":"neutral","sentiment_score":0.1560635447502136,"channel":1,"num_words":10,"start":1835.0,"end":1838.055},{"sentences":[{"text":"Wow.","start":1838.98,"end":1839.38,"sentiment":"positive","sentiment_score":0.5236108303070068},{"text":"That's exciting.","start":1839.38,"end":1840.2,"sentiment":"positive","sentiment_score":0.6541274189949036},{"text":"So there are additional insurances outside of Life TBD income protection that you could always look to apply for.","start":1841.7,"end":1847.7999,"sentiment":"neutral","sentiment_score":0.1932872969068979},{"text":"We have other insurances like trauma, which pays out a lump sum tax free benefit in the event that you're diagnosed with, say, Parkinson's, have a heart attack, or a stroke, cancer is probably the biggest one.","start":1848.1849,"end":1859.405,"sentiment":"neutral","sentiment_score":0.06933884342779985},{"text":"We can also apply for and obtain, like, child trauma policies, which in the event that your child is diagnosed with, like, a traumatic condition, can also pay out a lump sum tax free benefit there.","start":1859.785,"end":1872.5,"sentiment":"neutral","sentiment_score":0.08223533444106579}],"sentiment":"neutral","sentiment_score":0.11610877427615618,"channel":0,"num_words":95,"start":1838.98,"end":1872.5},{"sentences":[{"text":"Those are the types of insurances you can't hold inside.","start":1872.5599,"end":1875.36,"sentiment":"neutral","sentiment_score":0.03226199876517057},{"text":"So if they are an external cost added to your back pocket, did you wanna look at an additional cover, or you're just happy with the covers that you have at the moment?","start":1875.36,"end":1883.395,"sentiment":"neutral","sentiment_score":0.04361536568312934}],"sentiment":"neutral","sentiment_score":0.04097504779523195,"channel":0,"num_words":43,"start":1872.5599,"end":1883.395},{"sentences":[{"text":"I think I'm happy with what I have now.","start":1884.17,"end":1886.09,"sentiment":"positive","sentiment_score":0.5781477292378744},{"text":"Thank","start":1886.09,"end":1886.41,"sentiment":"positive","sentiment_score":0.6790189743041992}],"sentiment":"positive","sentiment_score":0.5882348537445068,"channel":1,"num_words":10,"start":1884.17,"end":1886.41},{"sentences":[{"text":"Happy?","start":1886.335,"end":1886.835,"sentiment":"positive","sentiment_score":0.5960066318511963}],"sentiment":"positive","sentiment_score":0.5960066318511963,"channel":0,"num_words":1,"start":1886.335,"end":1886.835},{"sentences":[{"text":"you.","start":1886.41,"end":1886.91,"sentiment":"positive","sentiment_score":0.44237831234931946}],"sentiment":"positive","sentiment_score":0.44237831234931946,"channel":1,"num_words":1,"start":1886.41,"end":1886.91},{"sentences":[{"text":"That's okay.","start":1886.895,"end":1887.715,"sentiment":"positive","sentiment_score":0.3578867167234421},{"text":"If you ever wanna have more of a conversation or find out more about these other types of insurances, please let me know.","start":1888.1749,"end":1894.195,"sentiment":"neutral","sentiment_score":0.1722150662023088},{"text":"Just","start":1894.29,"end":1894.79,"sentiment":"neutral","sentiment_score":0.2061934620141983}],"sentiment":"neutral","sentiment_score":0.18780436223516098,"channel":0,"num_words":26,"start":1886.895,"end":1894.79},{"sentences":[{"text":"Okay.","start":1894.6051,"end":1895.1051,"sentiment":"neutral","sentiment_score":0.197396457195282}],"sentiment":"neutral","sentiment_score":0.197396457195282,"channel":1,"num_words":1,"start":1894.6051,"end":1895.1051},{"sentences":[{"text":"making sure that you've got all the information there and that you can make an informed decision.","start":1894.8501,"end":1898.7101,"sentiment":"neutral","sentiment_score":0.28096622228622437},{"text":"Easy.","start":1898.93,"end":1899.43,"sentiment":"positive","sentiment_score":0.43624186515808105}],"sentiment":"neutral","sentiment_score":0.2895926468902164,"channel":0,"num_words":18,"start":1894.8501,"end":1899.43},{"sentences":[{"text":"So","start":1899.3251,"end":1899.7251,"sentiment":"positive","sentiment_score":0.6010516881942749}],"sentiment":"positive","sentiment_score":0.6010516881942749,"channel":1,"num_words":1,"start":1899.3251,"end":1899.7251},{"sentences":[{"text":"Fantastic.","start":1900.6901,"end":1901.1901,"sentiment":"positive","sentiment_score":0.7136625051498413},{"text":"I mean, realistically, when you think of all the insurances you can have, you can basically insure everything to the health care.","start":1901.49,"end":1906.29,"sentiment":"positive","sentiment_score":0.37603468651121313},{"text":"This is the out of pocket expense for doing that.","start":1906.29,"end":1908.7101,"sentiment":"neutral","sentiment_score":0.15713786706328392}],"sentiment":"neutral","sentiment_score":0.31993346300089,"channel":0,"num_words":33,"start":1900.6901,"end":1908.7101},{"sentences":[{"text":"Yeah.","start":1908.5399,"end":1908.62,"sentiment":"neutral","sentiment_score":0.10374553501605988},{"text":"Yeah.","start":1908.62,"end":1909.12,"sentiment":"neutral","sentiment_score":0.1088641881942749},{"text":"That's right.","start":1909.1799,"end":1909.8999,"sentiment":"neutral","sentiment_score":0.14862557500600815},{"text":"Yeah.","start":1909.8999,"end":1910.22,"sentiment":"neutral","sentiment_score":0.1553770899772644},{"text":"Yeah.","start":1910.22,"end":1910.72,"sentiment":"neutral","sentiment_score":0.24700580537319183}],"sentiment":"neutral","sentiment_score":0.1520406280954679,"channel":1,"num_words":6,"start":1908.5399,"end":1910.72},{"sentences":[{"text":"Beautiful.","start":1911.335,"end":1911.835,"sentiment":"positive","sentiment_score":0.535851001739502},{"text":"Beautiful.","start":1911.8949,"end":1912.3949,"sentiment":"positive","sentiment_score":0.47973883152008057},{"text":"And now so just having a look with your expenditure, are you finding are you guys finding that you are able to save a little bit at the moment?","start":1913.1749,"end":1920.215,"sentiment":"neutral","sentiment_score":0.0727532123183382},{"text":"I think last year when we caught up and did the annual review, we're managing to save or put away about a thousand dollars per week.","start":1920.215,"end":1926.5599,"sentiment":"neutral","sentiment_score":0.008076289167197851},{"text":"Are you still finding that, or is it a little bit tougher with everything expenses?","start":1926.5599,"end":1930.82,"sentiment":"neutral","sentiment_score":-0.07587233483791352}],"sentiment":"neutral","sentiment_score":0.030518492864858773,"channel":0,"num_words":72,"start":1911.335,"end":1930.82},{"sentences":[{"text":"Yeah.","start":1935.62,"end":1936.12,"sentiment":"neutral","sentiment_score":-0.05840808153152466},{"text":"I don't know.","start":1936.5,"end":1937.14,"sentiment":"neutral","sentiment_score":-0.08761140952507655},{"text":"It's hard to say.","start":1937.14,"end":1938.36,"sentiment":"neutral","sentiment_score":-0.1395408771932125}],"sentiment":"neutral","sentiment_score":-0.10992572735995054,"channel":1,"num_words":8,"start":1935.62,"end":1938.36},{"sentences":[{"text":"Yeah.","start":1939.215,"end":1939.715,"sentiment":"neutral","sentiment_score":-0.0507928729057312}],"sentiment":"neutral","sentiment_score":-0.0507928729057312,"channel":0,"num_words":1,"start":1939.215,"end":1939.715},{"sentences":[{"text":"Again, I'm just having a look.","start":1940.42,"end":1942.28,"sentiment":"neutral","sentiment_score":-0.027312477740148704},{"text":"Because my yeah.","start":1942.9,"end":1944.1,"sentiment":"neutral","sentiment_score":-0.023680688192447025},{"text":"I've spent averaging it out.","start":1944.1,"end":1945.3,"sentiment":"neutral","sentiment_score":-0.0036441516131162643},{"text":"Yes.","start":1945.3,"end":1945.62,"sentiment":"neutral","sentiment_score":0.009453007951378822},{"text":"Because my husband runs his own business, obviously, his income's to a.","start":1945.62,"end":1949.175,"sentiment":"neutral","sentiment_score":0.002555351830475653}],"sentiment":"neutral","sentiment_score":-0.007889646635804739,"channel":1,"num_words":27,"start":1940.42,"end":1949.175},{"sentences":[{"text":"Yeah.","start":1949.71,"end":1950.21,"sentiment":"neutral","sentiment_score":-0.014132428914308548}],"sentiment":"neutral","sentiment_score":-0.014132428914308548,"channel":0,"num_words":1,"start":1949.71,"end":1950.21},{"sentences":[{"text":"Mhmm.","start":1950.275,"end":1950.775,"sentiment":"neutral","sentiment_score":-0.01691601797938347},{"text":"And so it can be dependent on, you know, his his earning.","start":1951.555,"end":1958.6951,"sentiment":"neutral","sentiment_score":-0.038612655674417816}],"sentiment":"neutral","sentiment_score":-0.036943683544030555,"channel":1,"num_words":13,"start":1950.275,"end":1958.6951},{"sentences":[{"text":"Yeah.","start":1958.75,"end":1959.25,"sentiment":"neutral","sentiment_score":-0.028316067531704903},{"text":"Yeah.","start":1959.31,"end":1959.81,"sentiment":"neutral","sentiment_score":-0.02725164219737053}],"sentiment":"neutral","sentiment_score":-0.027783854864537716,"channel":0,"num_words":2,"start":1958.75,"end":1959.81},{"sentences":[{"text":"But I would say yeah.","start":1960.835,"end":1968.9,"sentiment":"neutral","sentiment_score":-0.03683341145515442},{"text":"I mean, we're probably not saving as much","start":1968.9,"end":1971.64,"sentiment":"neutral","sentiment_score":-0.05129190906882286}],"sentiment":"neutral","sentiment_score":-0.04573094844818115,"channel":1,"num_words":13,"start":1960.835,"end":1971.64},{"sentences":[{"text":"Yeah.","start":1972.125,"end":1972.625,"sentiment":"neutral","sentiment_score":-0.04993341863155365}],"sentiment":"neutral","sentiment_score":-0.04993341863155365,"channel":0,"num_words":1,"start":1972.125,"end":1972.625},{"sentences":[{"text":"as we would like to.","start":1972.74,"end":1975.48,"sentiment":"neutral","sentiment_score":-0.029313542321324347},{"text":"But then again, we are also well, when I say we're so we're saving, but we're putting money into the granny flat.","start":1975.9401,"end":1982.035,"sentiment":"neutral","sentiment_score":-0.02344207021153786},{"text":"So anything that","start":1982.035,"end":1982.995,"sentiment":"neutral","sentiment_score":0.02465767537554105}],"sentiment":"neutral","sentiment_score":-0.019610674337794384,"channel":1,"num_words":30,"start":1972.74,"end":1982.995},{"sentences":[{"text":"Yeah.","start":1982.83,"end":1982.99,"sentiment":"neutral","sentiment_score":0.030775608494877815},{"text":"Yeah.","start":1982.99,"end":1983.49,"sentiment":"neutral","sentiment_score":0.035218700766563416}],"sentiment":"neutral","sentiment_score":0.032997154630720615,"channel":0,"num_words":2,"start":1982.83,"end":1983.49},{"sentences":[{"text":"we save within, you know, our our spending","start":1982.995,"end":1985.635,"sentiment":"neutral","sentiment_score":0.052190210204571486}],"sentiment":"neutral","sentiment_score":0.052190210204571486,"channel":1,"num_words":8,"start":1982.995,"end":1985.635},{"sentences":[{"text":"Yeah.","start":1985.485,"end":1985.985,"sentiment":"neutral","sentiment_score":0.02250620163977146}],"sentiment":"neutral","sentiment_score":0.02250620163977146,"channel":0,"num_words":1,"start":1985.485,"end":1985.985},{"sentences":[{"text":"on that.","start":1985.635,"end":1986.275,"sentiment":"neutral","sentiment_score":0.022956511937081814},{"text":"So","start":1986.275,"end":1986.775,"sentiment":"neutral","sentiment_score":0.028389981016516685}],"sentiment":"neutral","sentiment_score":0.024767668296893437,"channel":1,"num_words":3,"start":1985.635,"end":1986.775},{"sentences":[{"text":"Yep.","start":1986.6849,"end":1987.1849,"sentiment":"neutral","sentiment_score":-0.019568676128983498}],"sentiment":"neutral","sentiment_score":-0.019568676128983498,"channel":0,"num_words":1,"start":1986.6849,"end":1987.1849},{"sentences":[{"text":"so I'd say, yeah, we'd we'd probably yeah, let let's say 500 a week.","start":1987.235,"end":1993.69,"sentiment":"neutral","sentiment_score":0.014165438578597136},{"text":"It's","start":1994.23,"end":1994.39,"sentiment":"neutral","sentiment_score":0.015266399830579758}],"sentiment":"neutral","sentiment_score":0.014238835995395977,"channel":1,"num_words":15,"start":1987.235,"end":1994.39},{"sentences":[{"text":"Okay.","start":1994.365,"end":1994.865,"sentiment":"neutral","sentiment_score":0.019319558516144753}],"sentiment":"neutral","sentiment_score":0.019319558516144753,"channel":0,"num_words":1,"start":1994.365,"end":1994.865},{"sentences":[{"text":"probably about half of what we were.","start":1994.39,"end":1996.41,"sentiment":"neutral","sentiment_score":0.013939963786729745},{"text":"Yeah.","start":1996.47,"end":1996.97,"sentiment":"neutral","sentiment_score":0.05749038606882095}],"sentiment":"neutral","sentiment_score":0.019383766571991146,"channel":1,"num_words":8,"start":1994.39,"end":1996.97},{"sentences":[{"text":"Yeah.","start":1996.765,"end":1997.265,"sentiment":"neutral","sentiment_score":0.08270317316055298},{"text":"That's okay.","start":1997.5901,"end":1998.31,"sentiment":"neutral","sentiment_score":0.1373380944132805},{"text":"And what's the estimated time frame for having the granny flat completed?","start":1998.31,"end":2001.67,"sentiment":"neutral","sentiment_score":0.04816065076738596},{"text":"Have you given yourselves a bit of a deadline at all?","start":2001.67,"end":2004.0701,"sentiment":"neutral","sentiment_score":0.00536085038699887},{"text":"Or","start":2004.0701,"end":2004.5701,"sentiment":"neutral","sentiment_score":0.0036370176821947098}],"sentiment":"neutral","sentiment_score":0.036959760856849176,"channel":0,"num_words":27,"start":1996.765,"end":2004.5701},{"sentences":[{"text":"Yeah.","start":2007.915,"end":2008.235,"sentiment":"neutral","sentiment_score":0.01016339659690857},{"text":"I mean, not in a super huge rush because at the moment, my my in laws are actually just staying in our caravan.","start":2008.235,"end":2015.055,"sentiment":"neutral","sentiment_score":-0.016184397446720497}],"sentiment":"neutral","sentiment_score":-0.01508657269490262,"channel":1,"num_words":24,"start":2007.915,"end":2015.055},{"sentences":[{"text":"Okay.","start":2016.1649,"end":2016.6649,"sentiment":"neutral","sentiment_score":0.0638858824968338}],"sentiment":"neutral","sentiment_score":0.0638858824968338,"channel":0,"num_words":1,"start":2016.1649,"end":2016.6649},{"sentences":[{"text":"So we've got a we've got a fully self contained caravan with a kitchen and a toilet and bathroom and all of that kind of thing.","start":2016.395,"end":2023.28,"sentiment":"neutral","sentiment_score":0.09309004605389558}],"sentiment":"neutral","sentiment_score":0.09309004605389558,"channel":1,"num_words":26,"start":2016.395,"end":2023.28},{"sentences":[{"text":"Wow.","start":2023.38,"end":2023.88,"sentiment":"neutral","sentiment_score":0.10296200960874556}],"sentiment":"neutral","sentiment_score":0.10296200960874556,"channel":0,"num_words":1,"start":2023.38,"end":2023.88},{"sentences":[{"text":"So yeah.","start":2024.38,"end":2025.9,"sentiment":"neutral","sentiment_score":0.07999029755592346},{"text":"That because, I mean, they can still come in and you know, they come into the main house, and they can use the","start":2025.9,"end":2029.82,"sentiment":"neutral","sentiment_score":0.07070070618520612}],"sentiment":"neutral","sentiment_score":0.07144387349486352,"channel":1,"num_words":25,"start":2024.38,"end":2029.82},{"sentences":[{"text":"Yeah.","start":2029.62,"end":2030.12,"sentiment":"neutral","sentiment_score":0.047973670065402985}],"sentiment":"neutral","sentiment_score":0.047973670065402985,"channel":0,"num_words":1,"start":2029.62,"end":2030.12},{"sentences":[{"text":"the toilet and bathroom and whatnot.","start":2029.82,"end":2031.26,"sentiment":"neutral","sentiment_score":0.060598825414975487},{"text":"But yeah.","start":2031.26,"end":2031.66,"sentiment":"neutral","sentiment_score":0.06569482386112213},{"text":"So they're kind of quite self sufficient in in that","start":2031.66,"end":2035.455,"sentiment":"neutral","sentiment_score":0.1137254036962986}],"sentiment":"neutral","sentiment_score":0.09067981317639351,"channel":1,"num_words":18,"start":2029.82,"end":2035.455},{"sentences":[{"text":"Yes.","start":2035.235,"end":2035.735,"sentiment":"neutral","sentiment_score":0.05726394057273865}],"sentiment":"neutral","sentiment_score":0.05726394057273865,"channel":0,"num_words":1,"start":2035.235,"end":2035.735},{"sentences":[{"text":"space.","start":2035.455,"end":2035.855,"sentiment":"neutral","sentiment_score":0.06448031961917877},{"text":"So we're not in a huge rush.","start":2035.855,"end":2037.695,"sentiment":"neutral","sentiment_score":-0.0012407002172299794},{"text":"So it's it's a case of when we have the money.","start":2037.695,"end":2040.175,"sentiment":"neutral","sentiment_score":0.009426510300148617},{"text":"You know?","start":2040.175,"end":2040.835,"sentiment":"neutral","sentiment_score":-0.0013475543819367886}],"sentiment":"neutral","sentiment_score":0.007466282030301434,"channel":1,"num_words":21,"start":2035.455,"end":2040.835},{"sentences":[{"text":"Yeah.","start":2041.635,"end":2042.135,"sentiment":"neutral","sentiment_score":0.01059078797698021}],"sentiment":"neutral","sentiment_score":0.01059078797698021,"channel":0,"num_words":1,"start":2041.635,"end":2042.135},{"sentences":[{"text":"So being able to because, like, certain things will cost.","start":2041.775,"end":2044.895,"sentiment":"neutral","sentiment_score":0.025578333623707296},{"text":"You know?","start":2044.895,"end":2045.215,"sentiment":"neutral","sentiment_score":0.006874751299619675},{"text":"We only, like, a lump sum of of an amount.","start":2045.215,"end":2047.635,"sentiment":"neutral","sentiment_score":0.01961092771962285},{"text":"So once we,","start":2047.9349,"end":2048.655,"sentiment":"neutral","sentiment_score":0.017492265440523624}],"sentiment":"neutral","sentiment_score":0.020724756494164467,"channel":1,"num_words":25,"start":2041.775,"end":2048.655},{"sentences":[{"text":"Yeah.","start":2048.45,"end":2048.95,"sentiment":"neutral","sentiment_score":0.01264255214482546}],"sentiment":"neutral","sentiment_score":0.01264255214482546,"channel":0,"num_words":1,"start":2048.45,"end":2048.95},{"sentences":[{"text":"you know, get that, then we can pay.","start":2048.655,"end":2050.87,"sentiment":"neutral","sentiment_score":0.015114055131562054},{"text":"You know?","start":2050.87,"end":2051.27,"sentiment":"neutral","sentiment_score":0.00040618423372507106},{"text":"So but","start":2051.27,"end":2052.15,"sentiment":"neutral","sentiment_score":0.007732508704066277}],"sentiment":"neutral","sentiment_score":0.011432485577339927,"channel":1,"num_words":12,"start":2048.655,"end":2052.15},{"sentences":[{"text":"Yep.","start":2051.97,"end":2052.47,"sentiment":"neutral","sentiment_score":0.018248599022626877}],"sentiment":"neutral","sentiment_score":0.018248599022626877,"channel":0,"num_words":1,"start":2051.97,"end":2052.47},{"sentences":[{"text":"at the moment, it's very much in the beginning phase with so the architects have submitted the plans to the council.","start":2052.15,"end":2059.99,"sentiment":"neutral","sentiment_score":0.007121970965748741},{"text":"So we've probably got about a ten week wait for approval, if they're happy with everything.","start":2059.99,"end":2064.7349,"sentiment":"neutral","sentiment_score":0.003454876074101776},{"text":"And, you know,","start":2064.7349,"end":2065.2148,"sentiment":"neutral","sentiment_score":-0.007989928436776003}],"sentiment":"neutral","sentiment_score":0.0045217405539006,"channel":1,"num_words":40,"start":2052.15,"end":2065.2148},{"sentences":[{"text":"Okay.","start":2065.025,"end":2065.525,"sentiment":"neutral","sentiment_score":-0.0037148669362068176}],"sentiment":"neutral","sentiment_score":-0.0037148669362068176,"channel":0,"num_words":1,"start":2065.025,"end":2065.525},{"sentences":[{"text":"so it's really yeah.","start":2065.2148,"end":2066.575,"sentiment":"neutral","sentiment_score":-0.021489921491593122},{"text":"We don't ideally, if we could have it done by the end of the year, that would be, yeah,","start":2066.575,"end":2071.535,"sentiment":"neutral","sentiment_score":-0.07057029577462297}],"sentiment":"neutral","sentiment_score":-0.06203457850800908,"channel":1,"num_words":23,"start":2065.2148,"end":2071.535},{"sentences":[{"text":"Yeah.","start":2071.44,"end":2071.94,"sentiment":"neutral","sentiment_score":-0.00902516022324562}],"sentiment":"neutral","sentiment_score":-0.00902516022324562,"channel":0,"num_words":1,"start":2071.44,"end":2071.94},{"sentences":[{"text":"that would be ideal.","start":2071.535,"end":2072.515,"sentiment":"neutral","sentiment_score":0.000782504677772522}],"sentiment":"neutral","sentiment_score":0.000782504677772522,"channel":1,"num_words":4,"start":2071.535,"end":2072.515},{"sentences":[{"text":"Yeah.","start":2073.76,"end":2074.0,"sentiment":"neutral","sentiment_score":-0.0301608145236969},{"text":"No.","start":2074.0,"end":2074.5,"sentiment":"neutral","sentiment_score":-0.0835581049323082}],"sentiment":"neutral","sentiment_score":-0.05685945972800255,"channel":0,"num_words":2,"start":2073.76,"end":2074.5},{"sentences":[{"text":"But, yeah, we're not sort sort of, like, super stressed about it.","start":2074.4302,"end":2078.1301,"sentiment":"neutral","sentiment_score":-0.18059015894929567},{"text":"But yeah.","start":2078.4302,"end":2079.1702,"sentiment":"neutral","sentiment_score":-0.08712157979607582}],"sentiment":"neutral","sentiment_score":-0.16723750478455,"channel":1,"num_words":14,"start":2074.4302,"end":2079.1702},{"sentences":[{"text":"No.","start":2079.28,"end":2079.52,"sentiment":"neutral","sentiment_score":-0.09666893631219864},{"text":"That's okay.","start":2079.52,"end":2080.24,"sentiment":"neutral","sentiment_score":-0.04210086539387703}],"sentiment":"neutral","sentiment_score":-0.0602902223666509,"channel":0,"num_words":3,"start":2079.28,"end":2080.24},{"sentences":[{"text":"Yeah.","start":2080.03,"end":2080.53,"sentiment":"neutral","sentiment_score":0.1628638505935669}],"sentiment":"neutral","sentiment_score":0.1628638505935669,"channel":1,"num_words":1,"start":2080.03,"end":2080.53},{"sentences":[{"text":"That's fantastic.","start":2080.24,"end":2081.06,"sentiment":"positive","sentiment_score":0.5455789268016815},{"text":"We'll cross our fingers.","start":2081.12,"end":2082.0,"sentiment":"positive","sentiment_score":0.3642088919878006},{"text":"Everything goes to plan and that you do","start":2082.0,"end":2083.7349,"sentiment":"positive","sentiment_score":0.33889536932110786}],"sentiment":"positive","sentiment_score":0.37565402686595917,"channel":0,"num_words":14,"start":2080.24,"end":2083.7349},{"sentences":[{"text":"Yeah.","start":2083.7102,"end":2084.2102,"sentiment":"neutral","sentiment_score":0.2230992615222931}],"sentiment":"neutral","sentiment_score":0.2230992615222931,"channel":1,"num_words":1,"start":2083.7102,"end":2084.2102},{"sentences":[{"text":"have all of that done by the end of the year.","start":2083.7349,"end":2085.335,"sentiment":"neutral","sentiment_score":0.23351437530734323},{"text":"That'd be fantastic.","start":2085.335,"end":2086.315,"sentiment":"positive","sentiment_score":0.6469005346298218}],"sentiment":"neutral","sentiment_score":0.3220971237335886,"channel":0,"num_words":14,"start":2083.7349,"end":2086.315},{"sentences":[{"text":"Yeah.","start":2086.6702,"end":2087.07,"sentiment":"neutral","sentiment_score":0.2093275636434555},{"text":"Yeah.","start":2087.07,"end":2087.57,"sentiment":"neutral","sentiment_score":0.22394707798957825},{"text":"That would be.","start":2087.7102,"end":2088.61,"sentiment":"neutral","sentiment_score":0.3234582046667735}],"sentiment":"neutral","sentiment_score":0.2807298511266708,"channel":1,"num_words":5,"start":2086.6702,"end":2088.61},{"sentences":[{"text":"Excellent.","start":2088.455,"end":2088.955,"sentiment":"positive","sentiment_score":0.5401250720024109},{"text":"Excellent.","start":2089.4949,"end":2089.975,"sentiment":"positive","sentiment_score":0.4482583999633789},{"text":"And just for the caravan, I have it noted here estimated value last year was about 55,000.","start":2089.975,"end":2095.335,"sentiment":"neutral","sentiment_score":0.10508070842308156},{"text":"Would you alter or change","start":2095.335,"end":2096.455,"sentiment":"neutral","sentiment_score":-0.03910324648022652}],"sentiment":"neutral","sentiment_score":0.10746830344821016,"channel":0,"num_words":24,"start":2088.455,"end":2096.455},{"sentences":[{"text":"Mhmm.","start":2096.365,"end":2096.865,"sentiment":"neutral","sentiment_score":-0.02938082069158554}],"sentiment":"neutral","sentiment_score":-0.02938082069158554,"channel":1,"num_words":1,"start":2096.365,"end":2096.865},{"sentences":[{"text":"that value or keep it about the same?","start":2096.455,"end":2098.475,"sentiment":"neutral","sentiment_score":-0.08514085039496422}],"sentiment":"neutral","sentiment_score":-0.08514085039496422,"channel":0,"num_words":8,"start":2096.455,"end":2098.475},{"sentences":[{"text":"Oh, gosh.","start":2099.3252,"end":2100.145,"sentiment":"neutral","sentiment_score":-0.22287404537200928},{"text":"I'm more like this a depreciating asset, so you should probably drop it maybe.","start":2100.2852,"end":2105.25,"sentiment":"negative","sentiment_score":-0.4322914502450398},{"text":"I wouldn't obviously, with the financials, our accountant does everything because all of that stuff is kind of linked to my husband's business.","start":2105.9502,"end":2115.09,"sentiment":"neutral","sentiment_score":-0.22215960466343423},{"text":"So they would've she would've appreciated the caravan, I'm sure.","start":2116.725,"end":2120.2651,"sentiment":"neutral","sentiment_score":-0.08177143074572087}],"sentiment":"neutral","sentiment_score":-0.25357578793654634,"channel":1,"num_words":49,"start":2099.3252,"end":2120.2651},{"sentences":[{"text":"Yes.","start":2120.655,"end":2120.9749,"sentiment":"neutral","sentiment_score":0.010571125894784927},{"text":"What value would it be to you if you if you had to sell the caravan or if you wanted to sell","start":2120.9749,"end":2125.23,"sentiment":"neutral","sentiment_score":-0.03463626153428446}],"sentiment":"neutral","sentiment_score":-0.03267072295041188,"channel":0,"num_words":23,"start":2120.655,"end":2125.23},{"sentences":[{"text":"Oh","start":2125.205,"end":2125.455,"sentiment":"neutral","sentiment_score":-0.015574008226394652}],"sentiment":"neutral","sentiment_score":-0.015574008226394652,"channel":1,"num_words":1,"start":2125.205,"end":2125.455},{"sentences":[{"text":"the caravan?","start":2125.23,"end":2125.87,"sentiment":"neutral","sentiment_score":-0.028553765267133713}],"sentiment":"neutral","sentiment_score":-0.028553765267133713,"channel":0,"num_words":2,"start":2125.23,"end":2125.87},{"sentences":[{"text":"gosh.","start":2125.455,"end":2125.955,"sentiment":"neutral","sentiment_score":-0.02890411764383316}],"sentiment":"neutral","sentiment_score":-0.02890411764383316,"channel":1,"num_words":1,"start":2125.455,"end":2125.955},{"sentences":[{"text":"What would you want for it?","start":2125.87,"end":2126.9102,"sentiment":"neutral","sentiment_score":-0.023905932592848938},{"text":"What value is it more to you?","start":2126.9102,"end":2128.61,"sentiment":"neutral","sentiment_score":-0.01821454694228513}],"sentiment":"neutral","sentiment_score":-0.020841340319468424,"channel":0,"num_words":13,"start":2125.87,"end":2128.61},{"sentences":[{"text":"Yeah.","start":2131.39,"end":2131.47,"sentiment":"neutral","sentiment_score":0.13888907432556152},{"text":"I suppose if we could get about 50 for it, that would be great.","start":2131.47,"end":2134.85,"sentiment":"neutral","sentiment_score":0.2405736552817481}],"sentiment":"neutral","sentiment_score":0.2337946832180023,"channel":1,"num_words":15,"start":2131.39,"end":2134.85},{"sentences":[{"text":"Yes.","start":2134.59,"end":2135.025,"sentiment":"neutral","sentiment_score":0.302142858505249},{"text":"Beautiful.","start":2135.4248,"end":2135.9248,"sentiment":"positive","sentiment_score":0.5088561773300171}],"sentiment":"positive","sentiment_score":0.40549951791763306,"channel":0,"num_words":2,"start":2134.59,"end":2135.9248},{"sentences":[{"text":"Yeah.","start":2135.95,"end":2136.45,"sentiment":"positive","sentiment_score":0.38562285900115967}],"sentiment":"positive","sentiment_score":0.38562285900115967,"channel":1,"num_words":1,"start":2135.95,"end":2136.45},{"sentences":[{"text":"Fantastic.","start":2136.2249,"end":2136.7249,"sentiment":"positive","sentiment_score":0.5337876081466675}],"sentiment":"positive","sentiment_score":0.5337876081466675,"channel":0,"num_words":1,"start":2136.2249,"end":2136.7249},{"sentences":[{"text":"But yeah.","start":2137.15,"end":2137.89,"sentiment":"neutral","sentiment_score":0.18011507391929626}],"sentiment":"neutral","sentiment_score":0.18011507391929626,"channel":1,"num_words":2,"start":2137.15,"end":2137.89},{"sentences":[{"text":"I've","start":2137.9048,"end":2138.145,"sentiment":"neutral","sentiment_score":0.07786208391189575}],"sentiment":"neutral","sentiment_score":0.07786208391189575,"channel":0,"num_words":1,"start":2137.9048,"end":2138.145},{"sentences":[{"text":"That's","start":2138.03,"end":2138.43,"sentiment":"neutral","sentiment_score":0.2347823679447174}],"sentiment":"neutral","sentiment_score":0.2347823679447174,"channel":1,"num_words":1,"start":2138.03,"end":2138.43},{"sentences":[{"text":"was","start":2138.145,"end":2138.645,"sentiment":"positive","sentiment_score":0.4691167175769806}],"sentiment":"positive","sentiment_score":0.4691167175769806,"channel":0,"num_words":1,"start":2138.145,"end":2138.645},{"sentences":[{"text":"great.","start":2138.43,"end":2138.93,"sentiment":"positive","sentiment_score":0.4890037178993225}],"sentiment":"positive","sentiment_score":0.4890037178993225,"channel":1,"num_words":1,"start":2138.43,"end":2138.93},{"sentences":[{"text":"that's okay.","start":2139.345,"end":2139.9048,"sentiment":"neutral","sentiment_score":0.2764171212911606},{"text":"I've also got cars on here.","start":2139.9048,"end":2141.7449,"sentiment":"neutral","sentiment_score":0.05004730448126793},{"text":"I believe it's","start":2141.7449,"end":2142.4648,"sentiment":"neutral","sentiment_score":0.022889042894045513}],"sentiment":"neutral","sentiment_score":0.08379865437746048,"channel":0,"num_words":11,"start":2139.345,"end":2142.4648},{"sentences":[{"text":"Yep.","start":2142.43,"end":2142.93,"sentiment":"neutral","sentiment_score":0.031425368040800095}],"sentiment":"neutral","sentiment_score":0.031425368040800095,"channel":1,"num_words":1,"start":2142.43,"end":2142.93},{"sentences":[{"text":"probably two.","start":2142.4648,"end":2143.105,"sentiment":"neutral","sentiment_score":0.013106380589306355},{"text":"It just says cars, plural.","start":2143.105,"end":2144.4849,"sentiment":"neutral","sentiment_score":0.013132747635245324},{"text":"Just double checking, asset value combined is about 30,000.","start":2146.145,"end":2149.6848,"sentiment":"neutral","sentiment_score":0.026623594264189403},{"text":"Would you keep the cars roughly the same, or what value are they to you?","start":2149.825,"end":2154.3699,"sentiment":"neutral","sentiment_score":0.01204848513007164}],"sentiment":"neutral","sentiment_score":0.01652310079624576,"channel":0,"num_words":31,"start":2142.4648,"end":2154.3699},{"sentences":[{"text":"Yeah.","start":2154.8452,"end":2155.165,"sentiment":"neutral","sentiment_score":0.06257840245962143},{"text":"It's fine.","start":2155.165,"end":2155.905,"sentiment":"neutral","sentiment_score":0.08711547404527664},{"text":"Maybe, like, a 25 because I think","start":2157.9202,"end":2160.1602,"sentiment":"neutral","sentiment_score":0.028362330847552845}],"sentiment":"neutral","sentiment_score":0.04353456664830446,"channel":1,"num_words":10,"start":2154.8452,"end":2160.1602},{"sentences":[{"text":"20","start":2160.1099,"end":2160.43,"sentiment":"neutral","sentiment_score":0.03167656064033508}],"sentiment":"neutral","sentiment_score":0.03167656064033508,"channel":0,"num_words":1,"start":2160.1099,"end":2160.43},{"sentences":[{"text":"yeah.","start":2160.32,"end":2160.82,"sentiment":"neutral","sentiment_score":0.0291756521910429}],"sentiment":"neutral","sentiment_score":0.0291756521910429,"channel":1,"num_words":1,"start":2160.32,"end":2160.82},{"sentences":[{"text":"5.","start":2160.43,"end":2160.93,"sentiment":"neutral","sentiment_score":0.026914943009614944}],"sentiment":"neutral","sentiment_score":0.026914943009614944,"channel":0,"num_words":1,"start":2160.43,"end":2160.93},{"sentences":[{"text":"Yeah.","start":2161.2002,"end":2161.7002,"sentiment":"neutral","sentiment_score":0.03821021318435669}],"sentiment":"neutral","sentiment_score":0.03821021318435669,"channel":1,"num_words":1,"start":2161.2002,"end":2161.7002},{"sentences":[{"text":"Yep.","start":2161.39,"end":2161.89,"sentiment":"neutral","sentiment_score":0.05054984614253044}],"sentiment":"neutral","sentiment_score":0.05054984614253044,"channel":0,"num_words":1,"start":2161.39,"end":2161.89},{"sentences":[{"text":"Yeah.","start":2162.0,"end":2162.24,"sentiment":"neutral","sentiment_score":0.05458670109510422},{"text":"The service","start":2162.24,"end":2162.82,"sentiment":"neutral","sentiment_score":0.07580844685435295}],"sentiment":"neutral","sentiment_score":0.06873453160127004,"channel":1,"num_words":3,"start":2162.0,"end":2162.82},{"sentences":[{"text":"Beautiful.","start":2162.8298,"end":2163.3298,"sentiment":"neutral","sentiment_score":0.3291059136390686}],"sentiment":"neutral","sentiment_score":0.3291059136390686,"channel":0,"num_words":1,"start":2162.8298,"end":2163.3298},{"sentences":[{"text":"depreciation.","start":2163.12,"end":2163.62,"sentiment":"neutral","sentiment_score":0.18169546127319336},{"text":"Yep.","start":2164.0,"end":2164.5,"sentiment":"neutral","sentiment_score":0.0898064374923706}],"sentiment":"neutral","sentiment_score":0.13575094938278198,"channel":1,"num_words":2,"start":2163.12,"end":2164.5},{"sentences":[{"text":"Yeah.","start":2164.855,"end":2165.3352,"sentiment":"neutral","sentiment_score":0.10818132758140564},{"text":"That's okay.","start":2165.3352,"end":2166.3152,"sentiment":"neutral","sentiment_score":0.15377575159072876},{"text":"And I","start":2166.615,"end":2166.935,"sentiment":"neutral","sentiment_score":0.08243339136242867}],"sentiment":"neutral","sentiment_score":0.11611992269754409,"channel":0,"num_words":5,"start":2164.855,"end":2166.935},{"sentences":[{"text":"Yep.","start":2166.8,"end":2167.3,"sentiment":"neutral","sentiment_score":0.056632570922374725}],"sentiment":"neutral","sentiment_score":0.056632570922374725,"channel":1,"num_words":1,"start":2166.8,"end":2167.3},{"sentences":[{"text":"also had a note here that you've got a boat, roughly estimated value of about 15,000.","start":2166.935,"end":2172.7952,"sentiment":"neutral","sentiment_score":0.042594193131662905}],"sentiment":"neutral","sentiment_score":0.042594193131662905,"channel":0,"num_words":16,"start":2166.935,"end":2172.7952},{"sentences":[{"text":"Yep.","start":2172.7202,"end":2173.2202,"sentiment":"neutral","sentiment_score":0.054447002708911896},{"text":"Yes.","start":2173.575,"end":2174.075,"sentiment":"neutral","sentiment_score":0.0900600403547287}],"sentiment":"neutral","sentiment_score":0.0722535215318203,"channel":1,"num_words":2,"start":2172.7202,"end":2174.075},{"sentences":[{"text":"Yep.","start":2173.975,"end":2174.475,"sentiment":"neutral","sentiment_score":0.13380520045757294},{"text":"Beautiful.","start":2174.935,"end":2175.435,"sentiment":"neutral","sentiment_score":0.32800719141960144},{"text":"And then you also did have about","start":2176.0552,"end":2177.735,"sentiment":"neutral","sentiment_score":0.06322351364152771}],"sentiment":"neutral","sentiment_score":0.10048633192976315,"channel":0,"num_words":9,"start":2173.975,"end":2177.735},{"sentences":[{"text":"Yes.","start":2177.4949,"end":2177.7449,"sentiment":"neutral","sentiment_score":0.02457449585199356}],"sentiment":"neutral","sentiment_score":0.02457449585199356,"channel":1,"num_words":1,"start":2177.4949,"end":2177.7449},{"sentences":[{"text":"30","start":2177.735,"end":2178.0552,"sentiment":"neutral","sentiment_score":0.01972603425383568}],"sentiment":"neutral","sentiment_score":0.01972603425383568,"channel":0,"num_words":1,"start":2177.735,"end":2178.0552},{"sentences":[{"text":"Yep.","start":2177.7449,"end":2178.2449,"sentiment":"neutral","sentiment_score":0.026958923786878582}],"sentiment":"neutral","sentiment_score":0.026958923786878582,"channel":1,"num_words":1,"start":2177.7449,"end":2178.2449},{"sentences":[{"text":"5,000 in savings last year.","start":2178.0552,"end":2180.01,"sentiment":"neutral","sentiment_score":0.03000701479613781},{"text":"This was being used for the investment property.","start":2180.01,"end":2182.43,"sentiment":"neutral","sentiment_score":0.024971896782517433},{"text":"Is that kind of being used for the granny flat, or do you still have that money in an offset?","start":2182.8901,"end":2187.23,"sentiment":"neutral","sentiment_score":0.0010241041891276836}],"sentiment":"neutral","sentiment_score":0.01122097975828431,"channel":0,"num_words":33,"start":2178.0552,"end":2187.23},{"sentences":[{"text":"No.","start":2187.8499,"end":2188.17,"sentiment":"neutral","sentiment_score":-0.16048672795295715},{"text":"We put that all back into, yeah, the the it was meant to be put into an offset, and when they set up the new lines, they didn't quite do it the way we wanted to.","start":2188.17,"end":2199.45,"sentiment":"neutral","sentiment_score":-0.16556209491358864},{"text":"So, yeah, unfortunately,","start":2199.45,"end":2200.43,"sentiment":"neutral","sentiment_score":-0.1420853535334269}],"sentiment":"neutral","sentiment_score":-0.16367445513606071,"channel":1,"num_words":40,"start":2187.8499,"end":2200.43},{"sentences":[{"text":"Oh,","start":2200.505,"end":2200.905,"sentiment":"neutral","sentiment_score":-0.17463156580924988}],"sentiment":"neutral","sentiment_score":-0.17463156580924988,"channel":0,"num_words":1,"start":2200.505,"end":2200.905},{"sentences":[{"text":"that's gone","start":2200.57,"end":2201.13,"sentiment":"neutral","sentiment_score":-0.22735868394374847}],"sentiment":"neutral","sentiment_score":-0.22735868394374847,"channel":1,"num_words":2,"start":2200.57,"end":2201.13},{"sentences":[{"text":"no.","start":2200.905,"end":2201.405,"sentiment":"neutral","sentiment_score":-0.20524102449417111}],"sentiment":"neutral","sentiment_score":-0.20524102449417111,"channel":0,"num_words":1,"start":2200.905,"end":2201.405},{"sentences":[{"text":"all all in back into the the home.","start":2201.13,"end":2203.765,"sentiment":"neutral","sentiment_score":-0.23701617680490017},{"text":"But anyway so we've we've got we've got an offset facility","start":2203.765,"end":2207.545,"sentiment":"neutral","sentiment_score":-0.04547704823992469}],"sentiment":"neutral","sentiment_score":-0.12612510237254596,"channel":1,"num_words":19,"start":2201.13,"end":2207.545},{"sentences":[{"text":"Yeah.","start":2208.52,"end":2209.02,"sentiment":"neutral","sentiment_score":-0.02290431596338749}],"sentiment":"neutral","sentiment_score":-0.02290431596338749,"channel":0,"num_words":1,"start":2208.52,"end":2209.02},{"sentences":[{"text":"that we then just you know, all the extra money goes into that.","start":2208.805,"end":2212.745,"sentiment":"neutral","sentiment_score":-0.037329360556143984}],"sentiment":"neutral","sentiment_score":-0.037329360556143984,"channel":1,"num_words":13,"start":2208.805,"end":2212.745},{"sentences":[{"text":"Yep.","start":2213.0,"end":2213.5,"sentiment":"neutral","sentiment_score":-0.038377583026885986}],"sentiment":"neutral","sentiment_score":-0.038377583026885986,"channel":0,"num_words":1,"start":2213.0,"end":2213.5},{"sentences":[{"text":"And then that's what we if we need to and it's a redraw account.","start":2213.685,"end":2216.965,"sentiment":"neutral","sentiment_score":0.019451289171619073},{"text":"So if we need to draw out of it,","start":2216.965,"end":2218.41,"sentiment":"neutral","sentiment_score":0.021734294688536063}],"sentiment":"neutral","sentiment_score":0.020344639156499634,"channel":1,"num_words":23,"start":2213.685,"end":2218.41},{"sentences":[{"text":"Yep.","start":2218.2148,"end":2218.7148,"sentiment":"neutral","sentiment_score":0.036742378026247025}],"sentiment":"neutral","sentiment_score":0.036742378026247025,"channel":0,"num_words":1,"start":2218.2148,"end":2218.7148},{"sentences":[{"text":"we can.","start":2218.41,"end":2219.15,"sentiment":"neutral","sentiment_score":0.046122634783387184},{"text":"And that's","start":2219.45,"end":2219.8499,"sentiment":"neutral","sentiment_score":0.02536964137107134}],"sentiment":"neutral","sentiment_score":0.03574613807722926,"channel":1,"num_words":4,"start":2218.41,"end":2219.8499},{"sentences":[{"text":"Yes.","start":2219.7349,"end":2220.2349,"sentiment":"neutral","sentiment_score":0.04117691144347191}],"sentiment":"neutral","sentiment_score":0.04117691144347191,"channel":0,"num_words":1,"start":2219.7349,"end":2220.2349},{"sentences":[{"text":"where we're putting an extra and then we pull out of that for the granny flat.","start":2219.8499,"end":2223.29,"sentiment":"neutral","sentiment_score":0.04961242061108351},{"text":"So that's how what","start":2223.29,"end":2224.3298,"sentiment":"neutral","sentiment_score":0.172067578881979}],"sentiment":"neutral","sentiment_score":0.0741034522652626,"channel":1,"num_words":20,"start":2219.8499,"end":2224.3298},{"sentences":[{"text":"Fantastic.","start":2224.135,"end":2224.635,"sentiment":"positive","sentiment_score":0.4941473007202149}],"sentiment":"positive","sentiment_score":0.4941473007202149,"channel":0,"num_words":1,"start":2224.135,"end":2224.635},{"sentences":[{"text":"we're confusing it.","start":2224.3298,"end":2225.63,"sentiment":"neutral","sentiment_score":0.12191953510046005}],"sentiment":"neutral","sentiment_score":0.12191953510046005,"channel":1,"num_words":3,"start":2224.3298,"end":2225.63},{"sentences":[{"text":"Excellent.","start":2225.815,"end":2226.315,"sentiment":"positive","sentiment_score":0.3757568597793579}],"sentiment":"positive","sentiment_score":0.3757568597793579,"channel":0,"num_words":1,"start":2225.815,"end":2226.315},{"sentences":[{"text":"Yep.","start":2226.01,"end":2226.51,"sentiment":"neutral","sentiment_score":0.18771100044250488}],"sentiment":"neutral","sentiment_score":0.18771100044250488,"channel":1,"num_words":1,"start":2226.01,"end":2226.51},{"sentences":[{"text":"Excellent.","start":2226.535,"end":2227.035,"sentiment":"positive","sentiment_score":0.3496464490890503},{"text":"And then with the the property, just so double checking the values on those, the Karratha property, we had it noted about 750,000.","start":2227.255,"end":2235.02,"sentiment":"neutral","sentiment_score":0.06827174046117326},{"text":"Do you think that might","start":2235.02,"end":2235.9,"sentiment":"neutral","sentiment_score":0.012406807392835617}],"sentiment":"neutral","sentiment_score":0.06834243160897288,"channel":0,"num_words":29,"start":2226.535,"end":2235.9},{"sentences":[{"text":"Yep.","start":2235.8152,"end":2236.3152,"sentiment":"neutral","sentiment_score":0.01830830425024033}],"sentiment":"neutral","sentiment_score":0.01830830425024033,"channel":1,"num_words":1,"start":2235.8152,"end":2236.3152},{"sentences":[{"text":"have increased in value a little bit since we spoke last year in November?","start":2235.9,"end":2239.92,"sentiment":"neutral","sentiment_score":0.01186293869146279}],"sentiment":"neutral","sentiment_score":0.01186293869146279,"channel":0,"num_words":14,"start":2235.9,"end":2239.92},{"sentences":[{"text":"No.","start":2240.455,"end":2240.855,"sentiment":"neutral","sentiment_score":-0.03731345385313034},{"text":"That's pretty pretty consistent.","start":2240.855,"end":2242.635,"sentiment":"neutral","sentiment_score":-0.016650708857923746},{"text":"Yeah.","start":2243.0952,"end":2243.5752,"sentiment":"neutral","sentiment_score":0.028304150328040123}],"sentiment":"neutral","sentiment_score":-0.012602023159464201,"channel":1,"num_words":6,"start":2240.455,"end":2243.5752},{"sentences":[{"text":"On point.","start":2243.115,"end":2243.935,"sentiment":"neutral","sentiment_score":0.014607938937842846}],"sentiment":"neutral","sentiment_score":0.014607938937842846,"channel":0,"num_words":2,"start":2243.115,"end":2243.935},{"sentences":[{"text":"Caracas.","start":2243.5752,"end":2244.0752,"sentiment":"neutral","sentiment_score":0.020764749497175217}],"sentiment":"neutral","sentiment_score":0.020764749497175217,"channel":1,"num_words":1,"start":2243.5752,"end":2244.0752},{"sentences":[{"text":"Yep.","start":2244.155,"end":2244.655,"sentiment":"neutral","sentiment_score":0.03708499297499657}],"sentiment":"neutral","sentiment_score":0.03708499297499657,"channel":0,"num_words":1,"start":2244.155,"end":2244.655},{"sentences":[{"text":"Yeah.","start":2244.455,"end":2244.955,"sentiment":"neutral","sentiment_score":0.049192823469638824}],"sentiment":"neutral","sentiment_score":0.049192823469638824,"channel":1,"num_words":1,"start":2244.455,"end":2244.955},{"sentences":[{"text":"That's okay.","start":2245.835,"end":2246.735,"sentiment":"neutral","sentiment_score":0.08595054596662521},{"text":"I've also got here, so the Estuary property about 800,000 in value.","start":2247.355,"end":2252.075,"sentiment":"neutral","sentiment_score":0.03487660192574064},{"text":"Would you increase that one a little","start":2252.075,"end":2253.595,"sentiment":"neutral","sentiment_score":0.026091935645256723}],"sentiment":"neutral","sentiment_score":0.03681256497899691,"channel":0,"num_words":21,"start":2245.835,"end":2253.595},{"sentences":[{"text":"Mhmm.","start":2253.41,"end":2253.91,"sentiment":"neutral","sentiment_score":0.01359603088349104}],"sentiment":"neutral","sentiment_score":0.01359603088349104,"channel":1,"num_words":1,"start":2253.41,"end":2253.91},{"sentences":[{"text":"bit","start":2253.595,"end":2254.095,"sentiment":"neutral","sentiment_score":0.009358986280858517}],"sentiment":"neutral","sentiment_score":0.009358986280858517,"channel":0,"num_words":1,"start":2253.595,"end":2254.095},{"sentences":[{"text":"Yes.","start":2253.97,"end":2254.47,"sentiment":"neutral","sentiment_score":0.01041868980973959}],"sentiment":"neutral","sentiment_score":0.01041868980973959,"channel":1,"num_words":1,"start":2253.97,"end":2254.47},{"sentences":[{"text":"or a","start":2254.3152,"end":2254.5552,"sentiment":"neutral","sentiment_score":0.005147265503183007}],"sentiment":"neutral","sentiment_score":0.005147265503183007,"channel":0,"num_words":2,"start":2254.3152,"end":2254.5552},{"sentences":[{"text":"That's","start":2254.5298,"end":2254.93,"sentiment":"neutral","sentiment_score":0.007519462611526251}],"sentiment":"neutral","sentiment_score":0.007519462611526251,"channel":1,"num_words":1,"start":2254.5298,"end":2254.93},{"sentences":[{"text":"lot?","start":2254.5552,"end":2255.0552,"sentiment":"neutral","sentiment_score":0.009355874732136726}],"sentiment":"neutral","sentiment_score":0.009355874732136726,"channel":0,"num_words":1,"start":2254.5552,"end":2255.0552},{"sentences":[{"text":"gone up.","start":2254.93,"end":2255.75,"sentiment":"neutral","sentiment_score":0.008506186306476593},{"text":"I'd say that's probably about $9,900 now.","start":2257.17,"end":2260.39,"sentiment":"neutral","sentiment_score":0.020101187750697136}],"sentiment":"neutral","sentiment_score":0.01752452076309257,"channel":1,"num_words":9,"start":2254.93,"end":2260.39},{"sentences":[{"text":"Yep.","start":2260.9,"end":2261.4,"sentiment":"neutral","sentiment_score":0.15788191556930542},{"text":"Fantastic.","start":2261.46,"end":2261.96,"sentiment":"positive","sentiment_score":0.4071870446205139},{"text":"Excellent.","start":2262.66,"end":2263.14,"sentiment":"positive","sentiment_score":0.3420758843421936},{"text":"And then your main primary residence in Timberlane,","start":2263.14,"end":2265.56,"sentiment":"neutral","sentiment_score":0.14183656591922045}],"sentiment":"neutral","sentiment_score":0.18562157926234332,"channel":0,"num_words":11,"start":2260.9,"end":2265.56},{"sentences":[{"text":"Yep.","start":2265.655,"end":2266.155,"sentiment":"neutral","sentiment_score":0.09782503545284273}],"sentiment":"neutral","sentiment_score":0.09782503545284273,"channel":1,"num_words":1,"start":2265.655,"end":2266.155},{"sentences":[{"text":"1.1","start":2265.7,"end":2266.42,"sentiment":"neutral","sentiment_score":0.0660906508564949}],"sentiment":"neutral","sentiment_score":0.0660906508564949,"channel":0,"num_words":1,"start":2265.7,"end":2266.42},{"sentences":[{"text":"Mhmm.","start":2266.375,"end":2266.875,"sentiment":"neutral","sentiment_score":0.06407875567674637}],"sentiment":"neutral","sentiment_score":0.06407875567674637,"channel":1,"num_words":1,"start":2266.375,"end":2266.875},{"sentences":[{"text":"million I had on here for you.","start":2266.42,"end":2268.28,"sentiment":"neutral","sentiment_score":0.08648561154093061}],"sentiment":"neutral","sentiment_score":0.08648561154093061,"channel":0,"num_words":7,"start":2266.42,"end":2268.28},{"sentences":[{"text":"Yeah.","start":2268.455,"end":2268.855,"sentiment":"neutral","sentiment_score":0.03558581694960594},{"text":"That could probably go up to 1 I would say $1.02.","start":2268.855,"end":2272.155,"sentiment":"neutral","sentiment_score":0.04268040135502815},{"text":"So maybe another 100,000.","start":2272.215,"end":2273.895,"sentiment":"neutral","sentiment_score":0.03582408279180527},{"text":"Yep.","start":2273.895,"end":2274.395,"sentiment":"neutral","sentiment_score":0.06690454483032227}],"sentiment":"neutral","sentiment_score":0.04207477105014464,"channel":1,"num_words":17,"start":2268.455,"end":2274.395},{"sentences":[{"text":"Yep.","start":2274.525,"end":2275.025,"sentiment":"neutral","sentiment_score":0.12420948594808578},{"text":"Fantastic.","start":2275.1648,"end":2275.6648,"sentiment":"positive","sentiment_score":0.35171064734458923},{"text":"Excellent.","start":2276.045,"end":2276.545,"sentiment":"neutral","sentiment_score":0.3123910129070282},{"text":"Well,","start":2276.605,"end":2276.845,"sentiment":"neutral","sentiment_score":0.18017753958702087}],"sentiment":"neutral","sentiment_score":0.24212217144668102,"channel":0,"num_words":4,"start":2274.525,"end":2276.845},{"sentences":[{"text":"Yeah.","start":2276.83,"end":2277.07,"sentiment":"neutral","sentiment_score":0.23044191300868988}],"sentiment":"neutral","sentiment_score":0.23044191300868988,"channel":1,"num_words":1,"start":2276.83,"end":2277.07},{"sentences":[{"text":"thank you","start":2276.845,"end":2277.1648,"sentiment":"positive","sentiment_score":0.3629549890756607}],"sentiment":"positive","sentiment_score":0.3629549890756607,"channel":0,"num_words":2,"start":2276.845,"end":2277.1648},{"sentences":[{"text":"The","start":2277.07,"end":2277.23,"sentiment":"neutral","sentiment_score":0.26163017749786377}],"sentiment":"neutral","sentiment_score":0.26163017749786377,"channel":1,"num_words":1,"start":2277.07,"end":2277.23},{"sentences":[{"text":"so","start":2277.1648,"end":2277.2449,"sentiment":"neutral","sentiment_score":0.18101146817207336}],"sentiment":"neutral","sentiment_score":0.18101146817207336,"channel":0,"num_words":1,"start":2277.1648,"end":2277.2449},{"sentences":[{"text":"WA","start":2277.23,"end":2277.71,"sentiment":"neutral","sentiment_score":0.1999558657407761}],"sentiment":"neutral","sentiment_score":0.1999558657407761,"channel":1,"num_words":1,"start":2277.23,"end":2277.71},{"sentences":[{"text":"much for updating","start":2277.2449,"end":2278.045,"sentiment":"neutral","sentiment_score":0.279732088247935}],"sentiment":"neutral","sentiment_score":0.279732088247935,"channel":0,"num_words":3,"start":2277.2449,"end":2278.045},{"sentences":[{"text":"property","start":2277.71,"end":2278.11,"sentiment":"neutral","sentiment_score":0.1825137585401535}],"sentiment":"neutral","sentiment_score":0.1825137585401535,"channel":1,"num_words":1,"start":2277.71,"end":2278.11},{"sentences":[{"text":"all","start":2278.045,"end":2278.285,"sentiment":"neutral","sentiment_score":0.15139073133468628}],"sentiment":"neutral","sentiment_score":0.15139073133468628,"channel":0,"num_words":1,"start":2278.045,"end":2278.285},{"sentences":[{"text":"market's","start":2278.11,"end":2278.51,"sentiment":"neutral","sentiment_score":0.16319207847118378}],"sentiment":"neutral","sentiment_score":0.16319207847118378,"channel":1,"num_words":1,"start":2278.11,"end":2278.51},{"sentences":[{"text":"those.","start":2278.285,"end":2278.785,"sentiment":"neutral","sentiment_score":0.18052330613136292}],"sentiment":"neutral","sentiment_score":0.18052330613136292,"channel":0,"num_words":1,"start":2278.285,"end":2278.785},{"sentences":[{"text":"doing well.","start":2278.51,"end":2279.25,"sentiment":"neutral","sentiment_score":0.20822578668594363}],"sentiment":"neutral","sentiment_score":0.20822578668594363,"channel":1,"num_words":2,"start":2278.51,"end":2279.25},{"sentences":[{"text":"That's good.","start":2279.9648,"end":2280.605,"sentiment":"neutral","sentiment_score":0.3101186156272888}],"sentiment":"neutral","sentiment_score":0.3101186156272888,"channel":0,"num_words":2,"start":2279.9648,"end":2280.605},{"sentences":[{"text":"Yeah.","start":2280.59,"end":2281.09,"sentiment":"neutral","sentiment_score":0.2046101987361908}],"sentiment":"neutral","sentiment_score":0.2046101987361908,"channel":1,"num_words":1,"start":2280.59,"end":2281.09},{"sentences":[{"text":"That's fantastic.","start":2280.605,"end":2281.345,"sentiment":"neutral","sentiment_score":0.3273153305053711},{"text":"I mean, having in recent months, the property markets have been, you know, going up in some areas, not so much in others.","start":2281.805,"end":2286.94,"sentiment":"neutral","sentiment_score":0.014111512786020403},{"text":"And I see the Melbourne's had a little bit of a decrease, so","start":2286.94,"end":2289.26,"sentiment":"neutral","sentiment_score":-0.030330952543478746}],"sentiment":"neutral","sentiment_score":0.015391922947999678,"channel":0,"num_words":38,"start":2280.605,"end":2289.26},{"sentences":[{"text":"Yeah.","start":2289.07,"end":2289.57,"sentiment":"neutral","sentiment_score":0.07260234653949738}],"sentiment":"neutral","sentiment_score":0.07260234653949738,"channel":1,"num_words":1,"start":2289.07,"end":2289.57},{"sentences":[{"text":"it's good to see WA","start":2289.26,"end":2290.3,"sentiment":"neutral","sentiment_score":0.1560848832130432}],"sentiment":"neutral","sentiment_score":0.1560848832130432,"channel":0,"num_words":5,"start":2289.26,"end":2290.3},{"sentences":[{"text":"Yeah.","start":2290.19,"end":2290.305,"sentiment":"neutral","sentiment_score":0.07365268468856812}],"sentiment":"neutral","sentiment_score":0.07365268468856812,"channel":1,"num_words":1,"start":2290.19,"end":2290.305},{"sentences":[{"text":"is being increasing for you guys.","start":2290.3,"end":2291.98,"sentiment":"neutral","sentiment_score":0.07011597293118636},{"text":"Yeah.","start":2291.98,"end":2292.48,"sentiment":"neutral","sentiment_score":0.046053696423769}],"sentiment":"neutral","sentiment_score":0.06667850485869817,"channel":0,"num_words":7,"start":2290.3,"end":2292.48},{"sentences":[{"text":"Yeah.","start":2292.385,"end":2292.885,"sentiment":"neutral","sentiment_score":0.0572514683008194},{"text":"Yeah.","start":2293.105,"end":2293.605,"sentiment":"neutral","sentiment_score":0.11384359002113342}],"sentiment":"neutral","sentiment_score":0.08554752916097641,"channel":1,"num_words":2,"start":2292.385,"end":2293.605},{"sentences":[{"text":"Excellent.","start":2294.06,"end":2294.56,"sentiment":"neutral","sentiment_score":0.2110721170902252},{"text":"Now the last thing to sort of touch base on is the estate planning side of things.","start":2295.26,"end":2299.285,"sentiment":"neutral","sentiment_score":0.06361872746663935}],"sentiment":"neutral","sentiment_score":0.07181058244572745,"channel":0,"num_words":18,"start":2294.06,"end":2299.285},{"sentences":[{"text":"Yes.","start":2299.585,"end":2300.085,"sentiment":"neutral","sentiment_score":0.04886355996131897}],"sentiment":"neutral","sentiment_score":0.04886355996131897,"channel":1,"num_words":1,"start":2299.585,"end":2300.085},{"sentences":[{"text":"I do have it noted that you didn't have a will or power of attorney last year when we did the annual review.","start":2299.665,"end":2305.525,"sentiment":"neutral","sentiment_score":0.033612973826087036}],"sentiment":"neutral","sentiment_score":0.033612973826087036,"channel":0,"num_words":23,"start":2299.665,"end":2305.525},{"sentences":[{"text":"Yep.","start":2305.93,"end":2306.43,"sentiment":"neutral","sentiment_score":0.03247150778770447}],"sentiment":"neutral","sentiment_score":0.03247150778770447,"channel":1,"num_words":1,"start":2305.93,"end":2306.43},{"sentences":[{"text":"Have you guys talked about doing up a will, power of attorney,","start":2306.065,"end":2309.185,"sentiment":"neutral","sentiment_score":0.0407559210434556}],"sentiment":"neutral","sentiment_score":0.0407559210434556,"channel":0,"num_words":12,"start":2306.065,"end":2309.185},{"sentences":[{"text":"Yes.","start":2308.97,"end":2309.47,"sentiment":"neutral","sentiment_score":0.03702067583799362}],"sentiment":"neutral","sentiment_score":0.03702067583799362,"channel":1,"num_words":1,"start":2308.97,"end":2309.47},{"sentences":[{"text":"things like that?","start":2309.185,"end":2310.165,"sentiment":"neutral","sentiment_score":0.03675684457023939}],"sentiment":"neutral","sentiment_score":0.03675684457023939,"channel":0,"num_words":3,"start":2309.185,"end":2310.165},{"sentences":[{"text":"So we've","start":2309.93,"end":2310.73,"sentiment":"neutral","sentiment_score":0.04942464269697666}],"sentiment":"neutral","sentiment_score":0.04942464269697666,"channel":1,"num_words":2,"start":2309.93,"end":2310.73},{"sentences":[{"text":"Yep.","start":2310.305,"end":2310.805,"sentiment":"neutral","sentiment_score":0.062318455427885056}],"sentiment":"neutral","sentiment_score":0.062318455427885056,"channel":0,"num_words":1,"start":2310.305,"end":2310.805},{"sentences":[{"text":"we've now yeah.","start":2310.73,"end":2311.69,"sentiment":"neutral","sentiment_score":0.08241627862056096},{"text":"We actually did that.","start":2311.69,"end":2312.65,"sentiment":"neutral","sentiment_score":0.10062430426478386},{"text":"Yeah.","start":2312.65,"end":2312.8098,"sentiment":"neutral","sentiment_score":0.17558036744594574},{"text":"Because that was one of the things that we're","start":2312.8098,"end":2314.0898,"sentiment":"positive","sentiment_score":0.41543642348713344}],"sentiment":"neutral","sentiment_score":0.26848554304417444,"channel":1,"num_words":17,"start":2310.73,"end":2314.0898},{"sentences":[{"text":"Fantastic.","start":2314.07,"end":2314.57,"sentiment":"positive","sentiment_score":0.3585076332092285}],"sentiment":"positive","sentiment_score":0.3585076332092285,"channel":0,"num_words":1,"start":2314.07,"end":2314.57},{"sentences":[{"text":"like, oh, we need to get our wheels done.","start":2314.0898,"end":2315.715,"sentiment":"neutral","sentiment_score":0.16244858586125904},{"text":"So we've done well.","start":2315.955,"end":2317.495,"sentiment":"positive","sentiment_score":0.37110570818185806}],"sentiment":"neutral","sentiment_score":0.22665077734452027,"channel":1,"num_words":13,"start":2314.0898,"end":2317.495},{"sentences":[{"text":"Yep.","start":2318.31,"end":2318.81,"sentiment":"neutral","sentiment_score":0.0952630341053009}],"sentiment":"neutral","sentiment_score":0.0952630341053009,"channel":0,"num_words":1,"start":2318.31,"end":2318.81},{"sentences":[{"text":"I can't remember, it was a little while ago now, if if the power of attorney was part of that or not.","start":2319.955,"end":2327.3352,"sentiment":"neutral","sentiment_score":-0.013857908927920189},{"text":"Yeah.","start":2329.24,"end":2329.48,"sentiment":"neutral","sentiment_score":0.05530695617198944},{"text":"But we we've definitely done the will.","start":2329.48,"end":2331.24,"sentiment":"neutral","sentiment_score":0.22165067813226155},{"text":"Yes.","start":2331.24,"end":2331.6401,"sentiment":"neutral","sentiment_score":0.08737865090370178}],"sentiment":"neutral","sentiment_score":0.04481826959958961,"channel":1,"num_words":31,"start":2319.955,"end":2331.6401},{"sentences":[{"text":"Yep.","start":2331.365,"end":2331.605,"sentiment":"neutral","sentiment_score":0.06295403838157654},{"text":"Yep.","start":2331.605,"end":2332.085,"sentiment":"neutral","sentiment_score":0.039705656468868256}],"sentiment":"neutral","sentiment_score":0.0513298474252224,"channel":0,"num_words":2,"start":2331.365,"end":2332.085},{"sentences":[{"text":"So that's","start":2331.6401,"end":2332.36,"sentiment":"neutral","sentiment_score":0.014431312680244446}],"sentiment":"neutral","sentiment_score":0.014431312680244446,"channel":1,"num_words":2,"start":2331.6401,"end":2332.36},{"sentences":[{"text":"No.","start":2332.085,"end":2332.325,"sentiment":"neutral","sentiment_score":-0.06330819427967072},{"text":"That's","start":2332.325,"end":2332.565,"sentiment":"neutral","sentiment_score":-0.03007030300796032}],"sentiment":"neutral","sentiment_score":-0.04668924864381552,"channel":0,"num_words":2,"start":2332.085,"end":2332.565},{"sentences":[{"text":"seems","start":2332.4402,"end":2332.6802,"sentiment":"neutral","sentiment_score":-0.024037107825279236}],"sentiment":"neutral","sentiment_score":-0.024037107825279236,"channel":1,"num_words":1,"start":2332.4402,"end":2332.6802},{"sentences":[{"text":"okay.","start":2332.565,"end":2333.065,"sentiment":"neutral","sentiment_score":0.007353056222200394}],"sentiment":"neutral","sentiment_score":0.007353056222200394,"channel":0,"num_words":1,"start":2332.565,"end":2333.065},{"sentences":[{"text":"to have yeah.","start":2332.6802,"end":2333.58,"sentiment":"neutral","sentiment_score":0.0938656156261762}],"sentiment":"neutral","sentiment_score":0.0938656156261762,"channel":1,"num_words":3,"start":2332.6802,"end":2333.58},{"sentences":[{"text":"Fantastic.","start":2333.845,"end":2334.345,"sentiment":"positive","sentiment_score":0.6516382694244385},{"text":"Excellent.","start":2334.885,"end":2335.385,"sentiment":"positive","sentiment_score":0.6042478084564209}],"sentiment":"positive","sentiment_score":0.6279430389404297,"channel":0,"num_words":2,"start":2333.845,"end":2335.385},{"sentences":[{"text":"Yeah.","start":2335.32,"end":2335.82,"sentiment":"positive","sentiment_score":0.3713003396987915}],"sentiment":"positive","sentiment_score":0.3713003396987915,"channel":1,"num_words":1,"start":2335.32,"end":2335.82},{"sentences":[{"text":"And with your beneficiary nominations on your life insurance and your super, I have","start":2336.0798,"end":2341.04,"sentiment":"neutral","sentiment_score":0.2686243802309036}],"sentiment":"neutral","sentiment_score":0.2686243802309036,"channel":0,"num_words":14,"start":2336.0798,"end":2341.04},{"sentences":[{"text":"Yep.","start":2341.0,"end":2341.5,"sentiment":"neutral","sentiment_score":0.2007245123386383}],"sentiment":"neutral","sentiment_score":0.2007245123386383,"channel":1,"num_words":1,"start":2341.0,"end":2341.5},{"sentences":[{"text":"it noted down here as Darren's spouse a 100% to receive the benefit.","start":2341.04,"end":2345.04,"sentiment":"neutral","sentiment_score":0.2599466305512648},{"text":"That's exactly how you want those to be nominated.","start":2345.04,"end":2347.38,"sentiment":"positive","sentiment_score":0.39218606220351326}],"sentiment":"neutral","sentiment_score":0.3140445798635483,"channel":0,"num_words":22,"start":2341.04,"end":2347.38},{"sentences":[{"text":"Yes.","start":2347.885,"end":2348.385,"sentiment":"neutral","sentiment_score":0.24327006936073303}],"sentiment":"neutral","sentiment_score":0.24327006936073303,"channel":1,"num_words":1,"start":2347.885,"end":2348.385},{"sentences":[{"text":"Yeah.","start":2349.0552,"end":2349.5352,"sentiment":"positive","sentiment_score":0.3706105351448059},{"text":"Fantastic.","start":2349.5352,"end":2350.0352,"sentiment":"positive","sentiment_score":0.6209874749183655},{"text":"Excellent.","start":2350.655,"end":2351.135,"sentiment":"positive","sentiment_score":0.6097863912582397},{"text":"Just making sure everything is up to date there.","start":2351.135,"end":2353.215,"sentiment":"positive","sentiment_score":0.4662863545947605},{"text":"I'm glad you've done your well.","start":2353.215,"end":2354.735,"sentiment":"positive","sentiment_score":0.6741875410079956}],"sentiment":"positive","sentiment_score":0.5468381577067905,"channel":0,"num_words":18,"start":2349.0552,"end":2354.735},{"sentences":[{"text":"It's one of those things we always kinda put them off and then we discover we really need to do them.","start":2354.735,"end":2359.215,"sentiment":"neutral","sentiment_score":0.19323386145489557},{"text":"So I'm glad they're all","start":2359.215,"end":2360.095,"sentiment":"positive","sentiment_score":0.34967861175537107}],"sentiment":"neutral","sentiment_score":0.22331939035883316,"channel":0,"num_words":26,"start":2354.735,"end":2360.095},{"sentences":[{"text":"Yes.","start":2360.01,"end":2360.51,"sentiment":"neutral","sentiment_score":0.2603323757648468}],"sentiment":"neutral","sentiment_score":0.2603323757648468,"channel":1,"num_words":1,"start":2360.01,"end":2360.51},{"sentences":[{"text":"done.","start":2360.095,"end":2360.575,"sentiment":"positive","sentiment_score":0.34397387504577637},{"text":"Absolutely.","start":2360.575,"end":2361.075,"sentiment":"neutral","sentiment_score":0.32355499267578125}],"sentiment":"positive","sentiment_score":0.3337644338607788,"channel":0,"num_words":2,"start":2360.095,"end":2361.075},{"sentences":[{"text":"Yes.","start":2360.89,"end":2361.39,"sentiment":"neutral","sentiment_score":0.33212175965309143}],"sentiment":"neutral","sentiment_score":0.33212175965309143,"channel":1,"num_words":1,"start":2360.89,"end":2361.39},{"sentences":[{"text":"Fantastic.","start":2362.19,"end":2362.69,"sentiment":"positive","sentiment_score":0.4808834791183472},{"text":"Well, just to kinda recap, what I'll do is I'll do up do some research for you.","start":2362.75,"end":2366.27,"sentiment":"neutral","sentiment_score":0.15085486804737763},{"text":"It does take a few weeks to kind of reevaluate all the investments and do up an advice document for you.","start":2366.27,"end":2371.3098,"sentiment":"neutral","sentiment_score":0.1253265461751393},{"text":"So once we have got that ready to go, I'll come back, book you back in, and we'll go through the advice together.","start":2371.3098,"end":2376.13,"sentiment":"neutral","sentiment_score":0.12915836922500445},{"text":"I'll also do up a bit of an increased quote for your income protection","start":2376.8152,"end":2380.8352,"sentiment":"neutral","sentiment_score":0.10199639254382678}],"sentiment":"neutral","sentiment_score":0.13257718017618908,"channel":0,"num_words":76,"start":2362.19,"end":2380.8352},{"sentences":[{"text":"Yeah.","start":2380.795,"end":2381.2751,"sentiment":"neutral","sentiment_score":0.07096792757511139}],"sentiment":"neutral","sentiment_score":0.07096792757511139,"channel":1,"num_words":1,"start":2380.795,"end":2381.2751},{"sentences":[{"text":"just to","start":2380.895,"end":2381.2952,"sentiment":"neutral","sentiment_score":0.042965127155184746}],"sentiment":"neutral","sentiment_score":0.042965127155184746,"channel":0,"num_words":2,"start":2380.895,"end":2381.2952},{"sentences":[{"text":"Yes.","start":2381.2751,"end":2381.7751,"sentiment":"neutral","sentiment_score":0.04683094471693039}],"sentiment":"neutral","sentiment_score":0.04683094471693039,"channel":1,"num_words":1,"start":2381.2751,"end":2381.7751},{"sentences":[{"text":"sort of send through so you can review what that might look like to increase that.","start":2381.2952,"end":2385.155,"sentiment":"neutral","sentiment_score":0.05467805441003293},{"text":"I'll also add any notes down around any exclusions","start":2385.6152,"end":2388.435,"sentiment":"neutral","sentiment_score":0.04160418237249056}],"sentiment":"neutral","sentiment_score":0.049971460476517675,"channel":0,"num_words":25,"start":2381.2952,"end":2388.435},{"sentences":[{"text":"Yeah.","start":2388.02,"end":2388.52,"sentiment":"neutral","sentiment_score":0.03279820829629898}],"sentiment":"neutral","sentiment_score":0.03279820829629898,"channel":1,"num_words":1,"start":2388.02,"end":2388.52},{"sentences":[{"text":"or loadings that you might have applied or expected with regards to that to gonna give you an overview on whether you wanted to increase that insurances.","start":2388.495,"end":2395.35,"sentiment":"neutral","sentiment_score":0.06114925092293157},{"text":"If you have any questions in relation to any of those days, you're welcome to come back and let me know at any point in time.","start":2395.8901,"end":2401.49,"sentiment":"neutral","sentiment_score":0.12894797067229563},{"text":"Okay?","start":2401.49,"end":2401.99,"sentiment":"neutral","sentiment_score":0.08762496709823608}],"sentiment":"neutral","sentiment_score":0.09428336999068658,"channel":0,"num_words":54,"start":2388.495,"end":2401.99},{"sentences":[{"text":"Okay.","start":2402.715,"end":2403.215,"sentiment":"neutral","sentiment_score":0.04241156950592995}],"sentiment":"neutral","sentiment_score":0.04241156950592995,"channel":1,"num_words":1,"start":2402.715,"end":2403.215},{"sentences":[{"text":"Is there any other medium term goals or any other goals that you might have down the track that you're sort of looking to achieve or nothing at the moment?","start":2403.585,"end":2411.205,"sentiment":"neutral","sentiment_score":0.021566179767251014},{"text":"Or","start":2411.345,"end":2411.845,"sentiment":"neutral","sentiment_score":-0.0066907331347465515}],"sentiment":"neutral","sentiment_score":0.02065466644783174,"channel":0,"num_words":31,"start":2403.585,"end":2411.845},{"sentences":[{"text":"Yeah.","start":2412.4001,"end":2412.72,"sentiment":"neutral","sentiment_score":-0.010247590020298958},{"text":"No.","start":2412.72,"end":2413.04,"sentiment":"neutral","sentiment_score":-0.06618012487888336},{"text":"That's everything.","start":2413.04,"end":2413.86,"sentiment":"neutral","sentiment_score":-0.05503635108470917},{"text":"Yeah.","start":2414.0,"end":2414.5,"sentiment":"neutral","sentiment_score":-0.040259674191474915}],"sentiment":"neutral","sentiment_score":-0.04535201825201511,"channel":1,"num_words":5,"start":2412.4001,"end":2414.5},{"sentences":[{"text":"no.","start":2414.075,"end":2414.575,"sentiment":"neutral","sentiment_score":-0.0651106908917427},{"text":"No.","start":2414.96,"end":2415.1199,"sentiment":"neutral","sentiment_score":-0.05686356872320175},{"text":"That's okay.","start":2415.1199,"end":2416.0,"sentiment":"neutral","sentiment_score":0.03338315058499575},{"text":"I'll pop down here, finish the Granny Flat, possibly add additional properties down the track there.","start":2416.0,"end":2421.92,"sentiment":"neutral","sentiment_score":0.11029633460566401},{"text":"You've also got here commercial properties that you might wanna invest in down the track there as well.","start":2421.92,"end":2427.2798,"sentiment":"neutral","sentiment_score":0.08557165724535783}],"sentiment":"neutral","sentiment_score":0.08552166383321348,"channel":0,"num_words":38,"start":2414.075,"end":2427.2798},{"sentences":[{"text":"Yep.","start":2427.185,"end":2427.685,"sentiment":"neutral","sentiment_score":0.09583504498004912}],"sentiment":"neutral","sentiment_score":0.09583504498004912,"channel":1,"num_words":1,"start":2427.185,"end":2427.685},{"sentences":[{"text":"Does that sound","start":2427.2798,"end":2428.0798,"sentiment":"neutral","sentiment_score":0.11285341779390971}],"sentiment":"neutral","sentiment_score":0.11285341779390971,"channel":0,"num_words":3,"start":2427.2798,"end":2428.0798},{"sentences":[{"text":"Yep.","start":2427.8252,"end":2428.3252,"sentiment":"neutral","sentiment_score":0.072386234998703}],"sentiment":"neutral","sentiment_score":0.072386234998703,"channel":1,"num_words":1,"start":2427.8252,"end":2428.3252},{"sentences":[{"text":"about right?","start":2428.0798,"end":2428.88,"sentiment":"neutral","sentiment_score":0.0670836791396141},{"text":"Yep.","start":2428.88,"end":2429.38,"sentiment":"neutral","sentiment_score":0.08032996952533722}],"sentiment":"neutral","sentiment_score":0.07149910926818848,"channel":0,"num_words":3,"start":2428.0798,"end":2429.38},{"sentences":[{"text":"Yes.","start":2429.185,"end":2429.5852,"sentiment":"neutral","sentiment_score":0.16028529405593872},{"text":"That does.","start":2429.5852,"end":2430.0652,"sentiment":"neutral","sentiment_score":0.25708071887493134},{"text":"Yep.","start":2430.0652,"end":2430.5652,"sentiment":"neutral","sentiment_score":0.2523869276046753}],"sentiment":"neutral","sentiment_score":0.23170841485261917,"channel":1,"num_words":4,"start":2429.185,"end":2430.5652},{"sentences":[{"text":"Oh, fantastic.","start":2431.005,"end":2431.825,"sentiment":"positive","sentiment_score":0.6853278279304504},{"text":"Is there anything else that you might want me to touch on or anything I may have missed or anything else of importance or any other questions that you might have at all?","start":2432.2048,"end":2440.2249,"sentiment":"neutral","sentiment_score":0.20390237935564734}],"sentiment":"neutral","sentiment_score":0.23141240498849325,"channel":0,"num_words":35,"start":2431.005,"end":2440.2249},{"sentences":[{"text":"No.","start":2440.64,"end":2441.04,"sentiment":"neutral","sentiment_score":0.01688017137348652},{"text":"I think that's covered","start":2441.04,"end":2442.24,"sentiment":"neutral","sentiment_score":0.01774263451807201}],"sentiment":"neutral","sentiment_score":0.01757014188915491,"channel":1,"num_words":5,"start":2440.64,"end":2442.24},{"sentences":[{"text":"No?","start":2441.885,"end":2442.385,"sentiment":"neutral","sentiment_score":0.019140765070915226}],"sentiment":"neutral","sentiment_score":0.019140765070915226,"channel":0,"num_words":1,"start":2441.885,"end":2442.385},{"sentences":[{"text":"everything.","start":2442.24,"end":2442.72,"sentiment":"neutral","sentiment_score":0.06953895837068558},{"text":"Thank you.","start":2442.72,"end":2443.54,"sentiment":"positive","sentiment_score":0.3720875382423401}],"sentiment":"neutral","sentiment_score":0.27123801161845523,"channel":1,"num_words":3,"start":2442.24,"end":2443.54},{"sentences":[{"text":"Fantastic.","start":2443.53,"end":2444.03,"sentiment":"positive","sentiment_score":0.5419285297393799},{"text":"Not a problem.","start":2444.73,"end":2445.45,"sentiment":"positive","sentiment_score":0.43877233068148297},{"text":"But I will I will get cracking on that research there for you.","start":2445.45,"end":2448.1702,"sentiment":"positive","sentiment_score":0.4636513109390552},{"text":"I thank you so much for your time.","start":2448.1702,"end":2449.79,"sentiment":"positive","sentiment_score":0.6740603074431419},{"text":"Attached to any review pack is all those documents I went through.","start":2450.25,"end":2453.29,"sentiment":"neutral","sentiment_score":0.14116184040904045}],"sentiment":"positive","sentiment_score":0.40465235428230184,"channel":0,"num_words":37,"start":2443.53,"end":2453.29},{"sentences":[{"text":"So your internal rate of return, your summary there.","start":2453.29,"end":2456.09,"sentiment":"neutral","sentiment_score":0.1268277085489697},{"text":"We've also got the financial services guide attached for you, which outlines everything about who we are, what we do, and how we","start":2456.09,"end":2462.8723,"sentiment":"neutral","sentiment_score":0.12407316397065701}],"sentiment":"neutral","sentiment_score":0.12484787963330746,"channel":0,"num_words":32,"start":2453.29,"end":2462.8723},{"sentences":[{"text":"Yep.","start":2462.785,"end":2463.285,"sentiment":"neutral","sentiment_score":0.12568411231040957}],"sentiment":"neutral","sentiment_score":0.12568411231040957,"channel":1,"num_words":1,"start":2462.785,"end":2463.285},{"sentences":[{"text":"do it.","start":2462.8723,"end":2463.4492,"sentiment":"neutral","sentiment_score":0.14808980375528336},{"text":"We do also have attached there for you your ongoing service agreement.","start":2463.4492,"end":2466.9111,"sentiment":"neutral","sentiment_score":0.10620900491873424},{"text":"So out of your super, you do pay us an ongoing service fee for looking at your super monitoring, maintaining it, and also updating and providing advice to keep you on track towards meeting your retirement goals there.","start":2466.9111,"end":2478.49,"sentiment":"neutral","sentiment_score":0.17509859643484416},{"text":"Our ongoing service fee is 1.65% per annum.","start":2478.95,"end":2482.65,"sentiment":"neutral","sentiment_score":0.05265256995335221},{"text":"That is currently capped at 600,000, and it's deducted in smaller monthly increments.","start":2483.1099,"end":2488.545,"sentiment":"neutral","sentiment_score":0.06875727526270427}],"sentiment":"neutral","sentiment_score":0.13067807491919767,"channel":0,"num_words":73,"start":2462.8723,"end":2488.545},{"sentences":[{"text":"So the idea is that as a percentage based fee, it fluctuates with the market.","start":2488.605,"end":2492.605,"sentiment":"neutral","sentiment_score":0.035597426195939384},{"text":"So when the market","start":2492.605,"end":2493.405,"sentiment":"neutral","sentiment_score":0.011512419674545527}],"sentiment":"neutral","sentiment_score":0.030526898507224887,"channel":0,"num_words":19,"start":2488.605,"end":2493.405},{"sentences":[{"text":"Yes.","start":2493.315,"end":2493.815,"sentiment":"neutral","sentiment_score":0.04878045991063118}],"sentiment":"neutral","sentiment_score":0.04878045991063118,"channel":1,"num_words":1,"start":2493.315,"end":2493.815},{"sentences":[{"text":"is doing really well, our fee is a little bit higher.","start":2493.405,"end":2495.825,"sentiment":"neutral","sentiment_score":0.03637200424616987},{"text":"However, when we see dips like we saw in March and April this year, it means that our fee takes a bit of a dip there with it as well.","start":2495.9648,"end":2502.34,"sentiment":"neutral","sentiment_score":-0.012650978875656922},{"text":"So it is dependent on what's happening with your super to how much we make, and which is really important because we wanna make sure we're putting your needs above that of our own.","start":2502.34,"end":2510.98,"sentiment":"neutral","sentiment_score":0.05489534794298165},{"text":"That includes our fees.","start":2510.98,"end":2512.1,"sentiment":"neutral","sentiment_score":0.008107900153845549},{"text":"So","start":2512.1,"end":2512.6,"sentiment":"neutral","sentiment_score":0.05759228765964508}],"sentiment":"neutral","sentiment_score":0.024712854984682054,"channel":0,"num_words":80,"start":2493.405,"end":2512.6},{"sentences":[{"text":"Yes.","start":2512.945,"end":2513.445,"sentiment":"neutral","sentiment_score":0.10870000720024107}],"sentiment":"neutral","sentiment_score":0.10870000720024107,"channel":1,"num_words":1,"start":2512.945,"end":2513.445},{"sentences":[{"text":"it's good to see the 8% return, and that return is after fees.","start":2513.085,"end":2516.685,"sentiment":"neutral","sentiment_score":0.1438610186943641},{"text":"It's a net return, and that's after our ongoing service fee has been deducted as well.","start":2516.685,"end":2520.925,"sentiment":"neutral","sentiment_score":0.09956366801634431},{"text":"So","start":2520.925,"end":2521.425,"sentiment":"neutral","sentiment_score":0.07932709157466888}],"sentiment":"neutral","sentiment_score":0.11808463409543038,"channel":0,"num_words":30,"start":2513.085,"end":2521.425},{"sentences":[{"text":"Yes.","start":2521.825,"end":2522.325,"sentiment":"neutral","sentiment_score":0.11390995234251022}],"sentiment":"neutral","sentiment_score":0.11390995234251022,"channel":1,"num_words":1,"start":2521.825,"end":2522.325},{"sentences":[{"text":"it's really, really important that we kinda clarify those for you.","start":2521.965,"end":2526.065,"sentiment":"neutral","sentiment_score":0.1384096775542606},{"text":"If you are happy with our services, wanna remain on board for a bit longer as a client, I'll get you to sign and return that one back there for me.","start":2526.5798,"end":2533.38,"sentiment":"neutral","sentiment_score":0.2096870491100896}],"sentiment":"neutral","sentiment_score":0.19101916608356295,"channel":0,"num_words":42,"start":2521.965,"end":2533.38},{"sentences":[{"text":"Yes.","start":2533.24,"end":2533.64,"sentiment":"neutral","sentiment_score":0.26821309328079224}],"sentiment":"neutral","sentiment_score":0.26821309328079224,"channel":1,"num_words":1,"start":2533.24,"end":2533.64},{"sentences":[{"text":"Feel free","start":2533.38,"end":2533.8599,"sentiment":"neutral","sentiment_score":0.2723415493965149}],"sentiment":"neutral","sentiment_score":0.2723415493965149,"channel":0,"num_words":2,"start":2533.38,"end":2533.8599},{"sentences":[{"text":"Yes.","start":2533.64,"end":2534.14,"sentiment":"neutral","sentiment_score":0.2034878134727478}],"sentiment":"neutral","sentiment_score":0.2034878134727478,"channel":1,"num_words":1,"start":2533.64,"end":2534.14},{"sentences":[{"text":"to take some time to read those documents.","start":2533.8599,"end":2535.72,"sentiment":"neutral","sentiment_score":0.26335982605814934},{"text":"And if you do find you have any questions in relation to any of them, you're welcome to let me know.","start":2536.3398,"end":2541.24,"sentiment":"neutral","sentiment_score":0.22666734492494947},{"text":"Okay?","start":2541.3,"end":2541.8,"sentiment":"neutral","sentiment_score":0.17800787091255188}],"sentiment":"neutral","sentiment_score":0.23483002409338952,"channel":0,"num_words":30,"start":2533.8599,"end":2541.8},{"sentences":[{"text":"Okay.","start":2541.7349,"end":2542.2349,"sentiment":"neutral","sentiment_score":0.15271276235580444},{"text":"Alright.","start":2542.4548,"end":2542.9548,"sentiment":"positive","sentiment_score":0.4399617612361908}],"sentiment":"neutral","sentiment_score":0.2963372617959976,"channel":1,"num_words":2,"start":2541.7349,"end":2542.9548},{"sentences":[{"text":"Excellent.","start":2543.995,"end":2544.495,"sentiment":"positive","sentiment_score":0.7948243618011475},{"text":"Is there anything else that you might want me to sort of research or just to sort of go through while I'm sending you an email so I could any other questions that you might might have popped up in the last few minutes?","start":2544.955,"end":2554.335,"sentiment":"neutral","sentiment_score":0.26659372313456103}],"sentiment":"neutral","sentiment_score":0.2783321817715963,"channel":0,"num_words":45,"start":2543.995,"end":2554.335},{"sentences":[{"text":"No.","start":2554.17,"end":2554.67,"sentiment":"neutral","sentiment_score":-0.11916208267211914},{"text":"No.","start":2554.73,"end":2554.97,"sentiment":"neutral","sentiment_score":-0.149253249168396},{"text":"I have everything.","start":2554.97,"end":2556.27,"sentiment":"neutral","sentiment_score":-0.03910452127456665},{"text":"Thank you.","start":2556.49,"end":2557.23,"sentiment":"positive","sentiment_score":0.38839346170425415}],"sentiment":"neutral","sentiment_score":0.05586543253489902,"channel":1,"num_words":7,"start":2554.17,"end":2557.23},{"sentences":[{"text":"No.","start":2557.31,"end":2557.81,"sentiment":"neutral","sentiment_score":0.04156550392508507},{"text":"My pleasure, Jay.","start":2558.03,"end":2558.9102,"sentiment":"positive","sentiment_score":0.43552255630493164},{"text":"Look.","start":2558.9102,"end":2559.07,"sentiment":"positive","sentiment_score":0.3999716341495514},{"text":"Thank you so much for taking my call.","start":2559.07,"end":2561.09,"sentiment":"positive","sentiment_score":0.795138418674469},{"text":"I hope you have a lovely day.","start":2561.1501,"end":2562.9102,"sentiment":"positive","sentiment_score":0.7619802185467311}],"sentiment":"positive","sentiment_score":0.6721536843106151,"channel":0,"num_words":20,"start":2557.31,"end":2562.9102},{"sentences":[{"text":"I hope you have a great","start":2562.9102,"end":2563.79,"sentiment":"positive","sentiment_score":0.7165492276350657}],"sentiment":"positive","sentiment_score":0.7165492276350657,"channel":0,"num_words":6,"start":2562.9102,"end":2563.79},{"sentences":[{"text":"Thanks.","start":2563.595,"end":2564.095,"sentiment":"positive","sentiment_score":0.589317262172699}],"sentiment":"positive","sentiment_score":0.589317262172699,"channel":1,"num_words":1,"start":2563.595,"end":2564.095},{"sentences":[{"text":"weekend coming up.","start":2563.79,"end":2564.59,"sentiment":"neutral","sentiment_score":0.32924091815948486},{"text":"I know it's only Tuesday, but the weekend will be here before we know it.","start":2564.59,"end":2568.37,"sentiment":"neutral","sentiment_score":0.15016225824753443}],"sentiment":"neutral","sentiment_score":0.18000870156619284,"channel":0,"num_words":18,"start":2563.79,"end":2568.37},{"sentences":[{"text":"Yes.","start":2567.9949,"end":2568.4949,"sentiment":"positive","sentiment_score":0.376507967710495},{"text":"Yeah.","start":2568.715,"end":2569.215,"sentiment":"positive","sentiment_score":0.6008719205856323}],"sentiment":"positive","sentiment_score":0.48868994414806366,"channel":1,"num_words":2,"start":2567.9949,"end":2569.215},{"sentences":[{"text":"I love it, and I'll get a crack in that research there.","start":2569.545,"end":2571.865,"sentiment":"positive","sentiment_score":0.8025286396344503},{"text":"If there's anything that comes up, you're welcome to let me know at any point.","start":2571.865,"end":2574.9849,"sentiment":"neutral","sentiment_score":0.33116372525691984},{"text":"Okay?","start":2574.9849,"end":2575.4849,"sentiment":"neutral","sentiment_score":0.21389248967170715}],"sentiment":"positive","sentiment_score":0.5289890015763896,"channel":0,"num_words":28,"start":2569.545,"end":2575.4849},{"sentences":[{"text":"Okay.","start":2575.275,"end":2575.775,"sentiment":"neutral","sentiment_score":0.17176200449466705},{"text":"Alright.","start":2575.915,"end":2576.315,"sentiment":"positive","sentiment_score":0.35416603088378906},{"text":"Thank you, Dana.","start":2576.315,"end":2577.295,"sentiment":"positive","sentiment_score":0.6910885175069174}],"sentiment":"positive","sentiment_score":0.5198387175798416,"channel":1,"num_words":5,"start":2575.275,"end":2577.295},{"sentences":[{"text":"Thanks.","start":2577.305,"end":2577.805,"sentiment":"positive","sentiment_score":0.7336366176605225},{"text":"My pleasure.","start":2578.505,"end":2579.2249,"sentiment":"positive","sentiment_score":0.7876870930194855},{"text":"Enjoy your day.","start":2579.2249,"end":2579.9448,"sentiment":"positive","sentiment_score":0.7889241774876913},{"text":"Thank you for your time.","start":2579.9448,"end":2581.145,"sentiment":"positive","sentiment_score":0.759711754322052},{"text":"See you","start":2581.145,"end":2581.4648,"sentiment":"positive","sentiment_score":0.497234508395195}],"sentiment":"positive","sentiment_score":0.7283700865048629,"channel":0,"num_words":13,"start":2577.305,"end":2581.4648},{"sentences":[{"text":"Okay.","start":2581.4648,"end":2581.9648,"sentiment":"neutral","sentiment_score":0.18012025952339172}],"sentiment":"neutral","sentiment_score":0.18012025952339172,"channel":1,"num_words":1,"start":2581.4648,"end":2581.9648},{"sentences":[{"text":"later.","start":2581.4648,"end":2581.9648,"sentiment":"positive","sentiment_score":0.5509963631629944}],"sentiment":"positive","sentiment_score":0.5509963631629944,"channel":0,"num_words":1,"start":2581.4648,"end":2581.9648},{"sentences":[{"text":"Okay.","start":2582.1047,"end":2582.585,"sentiment":"neutral","sentiment_score":0.15889939665794373},{"text":"Bye.","start":2582.585,"end":2583.085,"sentiment":"neutral","sentiment_score":0.16622568666934967}],"sentiment":"neutral","sentiment_score":0.1625625416636467,"channel":1,"num_words":2,"start":2582.1047,"end":2583.085},{"sentences":[{"text":"Bye.","start":2582.665,"end":2583.165,"sentiment":"neutral","sentiment_score":-0.10928501188755035}],"sentiment":"neutral","sentiment_score":-0.10928501188755035,"channel":0,"num_words":1,"start":2582.665,"end":2583.165}]},"summary":{"result":"success","short":"Representatives from an insurance company discuss the annual review process with a customer, emphasizing the importance of building a long-term retirement lifestyle and avoiding loss in the future. They also discuss investment properties and the benefits of the coverage, including life insurance benefits and a coverage amount of $6, definition of income protection, and a 90-day waiting period for claims. The speaker provides information on income protection and advises the caller to review their investment and property plans, including updating their insurance policy. They also mention the need for an annual review and offer assistance if needed."},"intents":{"segments":[{"text":"I've got Jade on the phone. She just called back for her annual review. Oh, perfect.","start_word":15,"end_word":30,"intents":[{"intent":"Get review","confidence_score":0.0007217145}]},{"text":"So, Jade, I just wanna double check. Do you have access to your email at the moment? Yes. I do.","start_word":300,"end_word":319,"intents":[{"intent":"Check email","confidence_score":0.38747367}]},{"text":"What I'm gonna do is I'm gonna send through an email to you.","start_word":322,"end_word":334,"intents":[{"intent":"Send email","confidence_score":0.08956145}]},{"text":"Are you currently taking on any additional studies, or is it something you're wanting to do down the track? Yeah.","start_word":726,"end_word":745,"intents":[{"intent":"Further studies","confidence_score":0.004369028},{"intent":"Determine interest in furthering education","confidence_score":0.0012903359}]},{"text":"And I had your income last year. It's about 140,000. Is your income increased since we last sort of caught up? Or No.","start_word":824,"end_word":846,"intents":[{"intent":"Communicate income","confidence_score":0.0007373803}]},{"text":"It does look like your the annual review pack is coming through. It's just not sending at the moment. So after the call, if it's okay, I'll just have to go back in and see what the IT issue is and resend it out to you. So I do apologize Okay.","start_word":873,"end_word":923,"intents":[{"intent":"Provide review pack details","confidence_score":0.00005810553},{"intent":"Confirm it issue","confidence_score":0.009479232}]},{"text":"I can see having a look here, your your balance and No. your review time last year was about a hundred and two thousand three hundred and fifty two and fifty cents there. So then Yep. having a look at your superannuation balance since then, it has definitely increased. So we got a 113,953 and 11<unk>. So Yep.","start_word":1107,"end_word":1164,"intents":[{"intent":"Check balance data","confidence_score":3.7527496e-7}]},{"text":"look at how your investments are performing individually, and you'll see one of those attachments is the performance with internal rate of return. Yes.","start_word":1538,"end_word":1561,"intents":[{"intent":"Analyze investments","confidence_score":0.30553693}]},{"text":"But Benelon hasn't been able to outperform the market, and we are finding some of the underlying issues with Benelon are issues that are within the fund. So they're invested in funds that they can't get out of, that there's issues with their underlying investments. So we actually don't see it as a good investment moving forward, and I wanted to kind of move all of our clients away from that.","start_word":1773,"end_word":1843,"intents":[{"intent":"Evaluate benelon's investment","confidence_score":0.000136817}]},{"text":"Not everyone sort of knows what they're after with investments, but it's always sort of good to check because some people have more of a preference than others. So I do like Yeah.","start_word":2225,"end_word":2257,"intents":[{"intent":"Assess portfolio preference","confidence_score":0.015968177}]},{"text":"What's your long term retirement goal look like? Yeah. Yeah.","start_word":2621,"end_word":2630,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.18284746}]},{"text":"also then long term, having that investment income coming from those properties to supplement what's coming out of your super to provide that longevity. Am I on the right track with that? Yeah.","start_word":3003,"end_word":3035,"intents":[{"intent":"Evaluate super investments","confidence_score":0.016378926}]},{"text":"So look at the cost side of things. Yeah.","start_word":3498,"end_word":3506,"intents":[{"intent":"Discuss cost implications","confidence_score":0.031928565}]},{"text":"Now a few other questions here just to kinda gauge whether you're in the right portfolio or not. If you sort of have you ever looked at your super and found that it had fallen, Addison?","start_word":3751,"end_word":3786,"intents":[{"intent":"Analyze retirement portfolio","confidence_score":0.0088149775}]},{"text":"And do you feel like you'd be comfortable now taking on more risk in the market to try and obtain those greater potential returns, or do you feel like you'd be feeling a bit more conservative because of the ups and downs the market has been seeing? How do you think you might sort of fit in there? Yeah.","start_word":4057,"end_word":4115,"intents":[{"intent":"Evaluate portfolio fit","confidence_score":0.29266527}]},{"text":"at how your super this year has performed, net of fees, you've actually performed and returned 8.28 percent. So Mhmm.","start_word":4335,"end_word":4354,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.0661786}]},{"text":"So the Heathridge, the entry one is 660. $6.60.","start_word":4822,"end_word":4830,"intents":[{"intent":"Confirm house address","confidence_score":0.0000306865}]},{"text":"With the income protection benefit you have, you have a benefit amount of $6,008.38. It's a pretax amount and a monthly benefit. So that's how much you could claim pretax if you are off work. Okay.","start_word":5439,"end_word":5474,"intents":[{"intent":"Determine benefit coverage","confidence_score":0.0013627991}]},{"text":"What would the cost be of increasing the benefit?","start_word":5564,"end_word":5572,"intents":[{"intent":"Determine cost","confidence_score":0.04879901}]},{"text":"I'd have to do a bit of a quote for you and see. Okay.","start_word":5573,"end_word":5586,"intents":[{"intent":"Request quote","confidence_score":0.32001594},{"intent":"Request quote","confidence_score":0.08827207}]},{"text":"Do you have any questions about the insurances, how they're structured, or what you can claim, or anything? No. No.","start_word":5914,"end_word":5933,"intents":[{"intent":"Share insurance information","confidence_score":0.0005334414}]},{"text":"We can also apply for and obtain, like, child trauma policies, which in the event that your child is diagnosed with, like, a traumatic condition, can also pay out a lump sum tax free benefit there.","start_word":6065,"end_word":6100,"intents":[{"intent":"Apply for child trauma policies","confidence_score":0.30367172}]},{"text":"We can also apply for and obtain, like, child trauma policies, which in the event that your child is diagnosed with, like, a traumatic condition, can also pay out a lump sum tax free benefit there. Those are the types of insurances you can't hold inside. So if they are an external cost added to your back pocket, did you wanna look at an additional cover, or you're just happy with the covers that you have at the moment?","start_word":6065,"end_word":6143,"intents":[{"intent":"Discuss policy options","confidence_score":0.0024018479}]},{"text":"So if they are an external cost added to your back pocket, did you wanna look at an additional cover, or you're just happy with the covers that you have at the moment?","start_word":6110,"end_word":6142,"intents":[{"intent":"Consider additional cover","confidence_score":0.042495675}]},{"text":"And now so just having a look with your expenditure, are you finding are you guys finding that you are able to save a little bit at the moment?","start_word":6242,"end_word":6270,"intents":[{"intent":"Determine savings","confidence_score":0.06266168},{"intent":"Determine savings","confidence_score":0.1972011}]},{"text":"Because my husband runs his own business, obviously, his income's to a. Yeah.","start_word":6336,"end_word":6348,"intents":[{"intent":"Determine income level","confidence_score":0.058802612}]},{"text":"And what's the estimated time frame for having the granny flat completed?","start_word":6450,"end_word":6461,"intents":[{"intent":"Complete granny flat","confidence_score":0.24850929},{"intent":"Determine timeline","confidence_score":0.0075165913}]},{"text":"So we've got a we've got a fully self contained caravan with a kitchen and a toilet and bathroom and all of that kind of thing. Wow. So yeah.","start_word":6499,"end_word":6527,"intents":[{"intent":"Confirm completion of caravan","confidence_score":0.06315185}]},{"text":"That because, I mean, they can still come in and you know, they come into the main house, and they can use the Yeah. the toilet and bathroom and whatnot. But yeah.","start_word":6528,"end_word":6559,"intents":[{"intent":"Check availability of equipment","confidence_score":0.0000053482354}]},{"text":"at the moment, it's very much in the beginning phase with so the architects have submitted the plans to the council. So we've probably got about a ten week wait for approval, if they're happy with everything.","start_word":6632,"end_word":6668,"intents":[{"intent":"Confirm completion of plans","confidence_score":0.0060508167}]},{"text":"What value would it be to you if you if you had to sell the caravan or if you wanted to sell Oh the caravan? gosh. What would you want for it? What value is it more to you? Yeah.","start_word":6838,"end_word":6877,"intents":[{"intent":"Determine value of caravan","confidence_score":0.0053408192}]},{"text":"What value is it more to you? Yeah.","start_word":6870,"end_word":6877,"intents":[{"intent":"Determine car value","confidence_score":0.19683553},{"intent":"Determine car value","confidence_score":0.21012433},{"intent":"Determine car value","confidence_score":0.052956827},{"intent":"Determine car value","confidence_score":0.026498027}]},{"text":"also had a note here that you've got a boat, roughly estimated value of about 15,000. Yep.","start_word":6972,"end_word":6988,"intents":[{"intent":"Consider boat value","confidence_score":0.0015809197}]},{"text":"We put that all back into, yeah, the the it was meant to be put into an offset, and when they set up the new lines, they didn't quite do it the way we wanted to. So, yeah, unfortunately, Oh, that's gone no. all all in back into the the home. But anyway so we've we've got we've got an offset facility Yeah.","start_word":7036,"end_word":7098,"intents":[{"intent":"Determine offset facility","confidence_score":0.11503217}]},{"text":"And then that's what we if we need to and it's a redraw account.","start_word":7114,"end_word":7127,"intents":[{"intent":"Redraw account","confidence_score":0.2500105}]},{"text":"And then with the the property, just so double checking the values on those, the Karratha property, we had it noted about 750,000. Do you think that might Yep. have increased in value a little bit since we spoke last year in November?","start_word":7169,"end_word":7211,"intents":[{"intent":"Double checking property values","confidence_score":0.09889664},{"intent":"Increase property value","confidence_score":0.75255513},{"intent":"Update property value","confidence_score":0.020561583}]},{"text":"Now the last thing to sort of touch base on is the estate planning side of things. Yes.","start_word":7375,"end_word":7392,"intents":[{"intent":"Discuss estate planning","confidence_score":0.047432836}]},{"text":"And with your beneficiary nominations on your life insurance and your super, I have Yep. it noted down here as Darren's spouse a 100% to receive the benefit. That's exactly how you want those to be nominated. Yes. Yeah.","start_word":7513,"end_word":7551,"intents":[{"intent":"Obtain information on benefits and eligibility","confidence_score":3.5063997e-7}]},{"text":"Well, just to kinda recap, what I'll do is I'll do up do some research for you. It does take a few weeks to kind of reevaluate all the investments and do up an advice document for you. So once we have got that ready to go, I'll come back, book you back in, and we'll go through the advice together.","start_word":7600,"end_word":7660,"intents":[{"intent":"Discuss options and plans for reevaluate investments and improve insurances","confidence_score":1.2139276e-10}]},{"text":"Well, just to kinda recap, what I'll do is I'll do up do some research for you. It does take a few weeks to kind of reevaluate all the investments and do up an advice document for you. So once we have got that ready to go, I'll come back, book you back in, and we'll go through the advice together. I'll also do up a bit of an increased quote for your income protection Yeah.","start_word":7600,"end_word":7675,"intents":[{"intent":"Reevaluate investments and obtain quotes for income protection","confidence_score":0.010835757}]},{"text":"sort of send through so you can review what that might look like to increase that. I'll also add any notes down around any exclusions Yeah.","start_word":7679,"end_word":7704,"intents":[{"intent":"Review investments and apply exclusions","confidence_score":0.00006135519}]},{"text":"Is there any other medium term goals or any other goals that you might have down the track that you're sort of looking to achieve or nothing at the moment? Or Yeah.","start_word":7760,"end_word":7791,"intents":[{"intent":"Provide overview on future goals","confidence_score":0.00070052297}]},{"text":"I'll pop down here, finish the Granny Flat, possibly add additional properties down the track there.","start_word":7800,"end_word":7815,"intents":[{"intent":"Complete grannie flat and add additional properties","confidence_score":0.0034708828}]}]},"sentiments":{"segments":[{"text":"Hey, Sam. Hey, Dana. How are you?","start_word":0,"end_word":6,"sentiment":"neutral","sentiment_score":0.1275668889284134},{"text":"I'm good.","start_word":7,"end_word":8,"sentiment":"positive","sentiment_score":0.388004869222641},{"text":"How are you? Yeah.","start_word":9,"end_word":12,"sentiment":"neutral","sentiment_score":0.2809164822101593},{"text":"Really good.","start_word":13,"end_word":14,"sentiment":"positive","sentiment_score":0.5558655261993408},{"text":"I've got Jade on the phone. She just called back for her annual review.","start_word":15,"end_word":28,"sentiment":"neutral","sentiment_score":0.25441014766693115},{"text":"Oh, perfect. Awesome. Thank you so much.","start_word":29,"end_word":35,"sentiment":"positive","sentiment_score":0.643322229385376},{"text":"Because we had the phone ring once. I was like, I wonder if you picked it up. If not, I was gonna try and give her a callback. Yeah. I picked it up, and I was like, oh, yep, Jay. That's Dana. So it was sort of fitting that I picked it up because it was your client.","start_word":36,"end_word":93,"sentiment":"neutral","sentiment_score":0.10101742297410964},{"text":"Easy done. Perfect.","start_word":94,"end_word":96,"sentiment":"positive","sentiment_score":0.3653286397457123},{"text":"How is she?","start_word":97,"end_word":99,"sentiment":"neutral","sentiment_score":0.22507107257843015},{"text":"She's all good.","start_word":100,"end_word":102,"sentiment":"positive","sentiment_score":0.3343625068664551},{"text":"Yep. No. She's really good. She's got a New Zealand accent, I think. So yep. No. She's Yes. all She good. does. She had time to complete the call. So, yep, she's ready for you when you're ready.","start_word":103,"end_word":140,"sentiment":"neutral","sentiment_score":0.153362438082695},{"text":"Fantastic.","start_word":141,"end_word":141,"sentiment":"positive","sentiment_score":0.5437685251235962},{"text":"You can send her through whenever you're ready.","start_word":142,"end_word":149,"sentiment":"neutral","sentiment_score":0.320443332195282},{"text":"Beautiful.","start_word":150,"end_word":150,"sentiment":"positive","sentiment_score":0.3395870327949524},{"text":"Alright. Perfect. In 321, you have Jade. Oh, hi, Jade. This is how are you this afternoon? Yes. Good. Thanks. How are you? I'm very well. Thank you. Sorry about playing a bit of phone tag with you. Yes. Thank Sorry. you so much for calling us, I but had no. a chuckle. You're fine. All good. Jade, I had you booked in to go through a bit of an annual review there with you today. Before Yes. we jump into the call, just wanted to find out if there's anything specific that you're wanting to maybe have me touch base on or any, sorry, specific questions that you would like me to sort of tackle for you today? Oh, no. Nothing in particular. Nope. That's okay. Just a bit of an overview on how sleep has been going for you then. Yeah. Yes. Yes. Yes. Beautiful. All good. So, Jade, I just wanna double check. Do you have access to your email at the moment? Yes. I do. Yeah. Beautiful. What I'm gonna do is I'm gonna send through an email to you. It does just have your annual review documents attached there for you, so I'll press send on that one. Yep.","start_word":151,"end_word":354,"sentiment":"neutral","sentiment_score":0.07838133240447324},{"text":"You are welcome to open them up and have a bit of a review of them.","start_word":355,"end_word":370,"sentiment":"positive","sentiment_score":0.37811997532844543},{"text":"I will also touch on some of those documents as we are going through the review there. But the most Yep. important ones are just giving you an update on your super performance and a bit of your super an insurance summary there for you as well. Okay. Okay.","start_word":371,"end_word":419,"sentiment":"neutral","sentiment_score":0.167650505900383},{"text":"Fantastic.","start_word":420,"end_word":420,"sentiment":"positive","sentiment_score":0.4371449947357178},{"text":"How's your morning been so far? Yeah.","start_word":421,"end_word":427,"sentiment":"neutral","sentiment_score":0.2777208089828491},{"text":"It's been fun.","start_word":428,"end_word":430,"sentiment":"positive","sentiment_score":0.387880802154541},{"text":"Yeah. Just Yeah? been at work. So yeah. Yeah. Of course.","start_word":431,"end_word":441,"sentiment":"neutral","sentiment_score":0.1150173768401146},{"text":"All good. Beautiful.","start_word":442,"end_word":444,"sentiment":"positive","sentiment_score":0.4626392424106598},{"text":"And how's everything sort of been since we last caught up last year? Has there been any major changes with work or with your circumstances? So we have actually for my husband now, we purchased a second investment property. Oh, fantastic. Just having a look at what I have here at the moment. So we had down here your main primary residence noted as being in Timberlane, and then we also had two investment properties, one in Estuary and the other one in Karratha. Is there any additional to those that Oh, we would sorry. already have Sorry. noted? Okay. Or Yeah. No. Sorry. The Carathe one was the one. I I didn't realize we had challenged because when you said annual, I thought, oh, it was last year That's before we alright. bought the property. But Yeah. no. No. No. That's that's correct. Yeah. Fantastic. No. Well, that's fantastic. Good to hear. Is there any plans to purchase more properties down the track, or are you just sort of seeing how these ones go? Or Yeah. Not not at this stage. We're we're actually in the process of putting a granny flat on our owner occupied house for my in laws. Yeah. Oh, fantastic. That'd be a bit of a process building that one. Yeah. Fantastic. The in laws will be moving in and living in the granny flat and helping out a little bit there for you? Yeah. Yeah.","start_word":445,"end_word":685,"sentiment":"neutral","sentiment_score":0.04177097976207733},{"text":"Beautiful. Excellent. Good to see.","start_word":686,"end_word":690,"sentiment":"positive","sentiment_score":0.4212192893028259},{"text":"We had a note here that you were also had another medium term goal of looking to study or that you were studying. I'm so sorry. It just says study is a long term goal. Are you currently taking on any additional studies, or is it something you're wanting to do down the track? Yeah. Not not at the moment. It's a yeah. It's it's further down the track. Yes. No. That's okay. Not a problem at all. Is it more just a study on top of what you're currently doing for work, or is it, like, additional another area to study? No. It would be, yeah, just furthering my current qualifications. So Building. Yeah.","start_word":691,"end_word":805,"sentiment":"neutral","sentiment_score":-0.011148104071617126},{"text":"Beautiful.","start_word":806,"end_word":806,"sentiment":"positive","sentiment_score":0.4171517789363861},{"text":"I'm a psychologist, Yes. so it's which would just be furthering that. Yep.","start_word":807,"end_word":819,"sentiment":"neutral","sentiment_score":0.12831802666187286},{"text":"Oh, beautiful. Lovely. Excellent.","start_word":820,"end_word":823,"sentiment":"positive","sentiment_score":0.5626423358917236},{"text":"And I had your income last year. It's about 140,000. Is your income increased since we last sort of caught up? Or No. It's still that's pretty much what not it's sitting the at. same. Yep. Yep. No. That's okay. All good. I will apologize in advance there, Jade. It does look like your the annual review pack is coming through. It's just not sending at the moment. So after the call, if it's okay, I'll just have to go back in and see what the IT issue is and resend it out to you. So I do apologize Okay. that I've it's probably I've got not it. coming through It's with you definitely at the moment. come through. Oh, you have? Yes. That's so bizarre. Says here that it's not sending. Okay. Very strange. No. It's definitely it's come through have you tried three times? Because it's come through three times. That's probably it. Yeah. It just keeps telling me Yep. there's some fields missing, and it's not sending. So if it's come through to you, that is fantastic. Thank you. Sorry about that. Definitely come Love through. Yes. technology Sorry. I should when have it wants said. to work. No. You're So absolutely fine. Beautiful. Yeah. okay. So the one that I well, the All the thing good. that I'm looking at is the signing page, Yep. but then there's attachments as well. Mhmm. Yeah. So if you open the attachments there, you'll see one of those attachments is your superannuation and insurance summary there. So having Yes. a look back now, we did sort of catch up and do a review around about November last year there. So Yes. Yes. I can see having a look here, your your balance and No. your review time last year was about a hundred and two thousand three hundred and fifty two and fifty cents there. So then Yep. having a look at your superannuation balance since then, it has definitely increased. So we got a 113,953 and 11<unk>.","start_word":824,"end_word":1164,"sentiment":"neutral","sentiment_score":0.00855722374493076},{"text":"So Yep. it has definitely gone up, which is good.","start_word":1164,"end_word":1174,"sentiment":"positive","sentiment_score":0.5820642709732056},{"text":"Yep. I Yep. don't know if you sort of look at your super very often or hear Yeah. about what's I happening do. in the I news call. I do I do Yeah. log in from time to time to keep an eye on it. Yes, sir. Actually, Yeah. funny enough well, obviously, because we were having this annual review chat, I I went on and had a look Yeah. and noticed that the graph over the last sort Yep. of six months and how it kinda dipped around the whole, like, Iran war saga, you know, fuel saga. Yes. But that it's actually Yes. gone back Yeah. up again.","start_word":1174,"end_word":1284,"sentiment":"neutral","sentiment_score":0.019037727266550064},{"text":"So that's quite positive. So yeah. Absolutely.","start_word":1284,"end_word":1291,"sentiment":"positive","sentiment_score":0.4576108157634735},{"text":"And when I sort of have a look at the graph, I also also have a look at what's happening globally and look at benchmarks. And the benchmark I tend to look at is the all ordinaries, and that gives us an idea of what the the whole ASX as a whole does. And your super Yep. has very much gone up and down in line with what the all ordinaries or what the market has as a whole. So there's nothing Yeah.","start_word":1291,"end_word":1374,"sentiment":"neutral","sentiment_score":0.03737492114305496},{"text":"really that is flagging as really needs to be removed or altered because it is just following market reactions, which is good to know.","start_word":1374,"end_word":1398,"sentiment":"negative","sentiment_score":-0.3891712427139282},{"text":"And it did it did take a very big drop around about sort of the April 7 is when we saw quite a large dip there, and there was another run around about August 2024. So you sort Yeah. of saw that dip in 2024. It came back and recovered from that point onwards. And then we saw another bit of a dip around March and then another bigger one at April 7, which is when the height of all that with The US Yeah. and Yeah. the Iran war was going on in the news. And then, yeah, it has definitely come back. And from about, you know, from there, we have gone back to higher than we were originally. Yeah.","start_word":1397,"end_word":1518,"sentiment":"neutral","sentiment_score":-0.05562051385641098},{"text":"So it has it has definitely recovered out of that and has seen additional growth there.","start_word":1519,"end_word":1534,"sentiment":"positive","sentiment_score":0.336993545293808},{"text":"When I Mhmm. look at how your investments are performing individually, and you'll see one of those attachments is the performance with internal rate of return. Yes. And that sort of breaks down how your investments are performing individually.","start_word":1535,"end_word":1573,"sentiment":"neutral","sentiment_score":0.07944713532924652},{"text":"Now everything is doing really well. You do have some s and p 500 for the top 500 companies in The US. You've got some physical gold. Both of those are performing nicely. We've had a Yep. 1618% return on those net growth. We've also got some cybersecurity.","start_word":1574,"end_word":1621,"sentiment":"positive","sentiment_score":0.456670194864273},{"text":"You've also got some Australian equities in them, some agriculture, Yep. and also some infrastructure. And then you've Yep. you've got your BANELON Australian equities portion in there. Now Bandalong was originally put in there as a managed fund. All Mhmm. of your investments are performing very well, but you might have sort of noticed your Bandalong Australian equities is actually quite low. It is showing an internal rate of return of down the 18.48%. Yep. Essentially, ban along when it what is originally put in your portfolio was meant to be an actively managed fund. So the investment manager of that fund is meant to be actively managing it to try and outperform against the market. Mhmm. Realistically, some managed funds can outperform against the market. Others don't do it. They don't all do it every year. It's not something they're all very good and consistent with doing. Yeah.","start_word":1622,"end_word":1771,"sentiment":"neutral","sentiment_score":0.013594300486147404},{"text":"But Benelon hasn't been able to outperform the market, and we are finding some of the underlying issues with Benelon are issues that are within the fund. So they're invested in funds that they can't get out of, that there's issues with their underlying investments. So we actually don't see it as a good investment moving forward, and I wanted to kind of move all of our clients away from that.","start_word":1772,"end_word":1842,"sentiment":"negative","sentiment_score":-0.4343699514865875},{"text":"Yes. Just sort of having a look at because I'd love to definitely remove this from your portfolio and try to find something else there. We do have Yes. a couple of different options to look at for the replacement of that investment. But did you wanna look at something a bit more actively managed like what you have here, or did you wanna sort of look at a more of a low cost investment to replace that along? What would your thoughts be around that? I'm wondering Yeah. so yeah. Because I'm I'm not, like, super knowledgeable about, That's you know, okay. that that kind of thing. I mean, obviously, Yeah. yes. I can see Yeah. that, you know, percentage Yeah. wise, it's it was a loss compared to everything Yes. else. Yeah. And I would be happy to go with, you know, whatever is advised in terms of if there if there is a yeah. Something that is Yeah. Absolutely.","start_word":1843,"end_word":2004,"sentiment":"neutral","sentiment_score":-0.01933540031313896},{"text":"showing, you know, a good growth.","start_word":2005,"end_word":2010,"sentiment":"positive","sentiment_score":0.3792317807674408},{"text":"Yeah. Yeah. Absolutely. But yeah. Yeah. Perfect. No. That's okay. What I can definitely look at for you to make it a bit easier if you like is obviously the cost side of things. So we can look at how much you were paying for that manage fund and management fees and maybe look at something a bit more lower cost, which has Yes. provided a greater level of past return, but also maybe puts more diversification in there. So one of the things I like to look at as an adviser is with Benelon, they hold anywhere between 15 to 20 different investment options depending on what they're invested in. Whereas there's Okay. other investments out there that might hold a lot more of Australian equities or more investments within their funds, which can give you Mhmm. a greater diversification and might actually be a bit more low cost. Would you like me Yes. to sort of weigh up those options and see what sort of is preferable, how it looks, what puts you in a greater position down the track, and maybe make a recommendation on switching that investment out for you? Yes.","start_word":2011,"end_word":2205,"sentiment":"neutral","sentiment_score":0.14844676714677077},{"text":"I would like that. Thank you.","start_word":2206,"end_word":2211,"sentiment":"positive","sentiment_score":0.5177193284034729},{"text":"Yeah? That's okay. Not a problem at all. It's always good to check. Not everyone sort of knows what they're after with investments, but it's always sort of good to check because some people have more of a preference than others. So I do like Yeah. to kinda gauge how everyone's feeling. But I can have a look at all the different options for you, look at what's gonna work out better for you. We Yeah. do update the advice to reflect the changes, show you the cost, the outcomes, the projection side of things, so then you can Yep. decide whether you're happy to take that advice. Does that sound okay? Yes.","start_word":2212,"end_word":2324,"sentiment":"neutral","sentiment_score":0.17549298703670502},{"text":"That sounds great. Thank you.","start_word":2325,"end_word":2329,"sentiment":"positive","sentiment_score":0.557255744934082},{"text":"That's okay. That's not a problem at all. We just sort of had a really good look, and I'd like to double check what's happening with your funds there. And I sort of noted when Bennelong hasn't been performing, we are best to try and remove that now rather than down the track. Yes. That's Essentially, fine. while it has seen a little bit of a loss, we don't want that loss to compound further. So we don't want Yeah. you invested in anything that's been underperforming.","start_word":2330,"end_word":2416,"sentiment":"neutral","sentiment_score":-0.03920012712478638},{"text":"Fantastic.","start_word":2417,"end_word":2417,"sentiment":"positive","sentiment_score":0.38787785172462463},{"text":"Yep.","start_word":2418,"end_word":2418,"sentiment":"neutral","sentiment_score":0.18841469287872312},{"text":"Sounds good.","start_word":2419,"end_word":2420,"sentiment":"positive","sentiment_score":0.3510267436504364},{"text":"Yep.","start_word":2421,"end_word":2421,"sentiment":"neutral","sentiment_score":0.19884821772575376},{"text":"Excellent.","start_word":2422,"end_word":2422,"sentiment":"positive","sentiment_score":0.41705596446990967},{"text":"Now the other thing to sort of have a look at is the way you are invested. Now you are more of a growth sort of portfolio. And when we have a look at your time horizon, that portfolio does generally suit your time horizon pretty well. What a growth portfolio tends to see is about 80% of your future invested in growth assets. So think of things like Australian shares, international shares, listed property, and also commodities like gold and silver. Yes. And then the other 20% in lower risk investments, things like cash, bonds, and fixed interest. Yep. Having a look at where your at time horizon was, now you're still very young. You've got a lot of time ahead of you here. So date of birth is '83. Yes.","start_word":2423,"end_word":2554,"sentiment":"neutral","sentiment_score":0.17722011289813305},{"text":"Just sort of looking forward at your goal around the time and aspect, and I know you've got a lot of time ahead of you before you reach that.","start_word":2555,"end_word":2583,"sentiment":"positive","sentiment_score":0.39330142736434937},{"text":"But I But are you sort of hoping to be able to access super around about the age of 60 at the earliest possible, or are you sort of hoping or wanting to work a bit longer? What's your long term retirement goal look like? Yeah. Yeah. I think for me, because of the nature of my work, I could probably Yeah. continue doing it even in a part time capacity for Okay. as long as, you know, my my brain is functional. Yeah. So in terms of retirement, it would probably be like, I wouldn't take complete retirement at that age. Yeah. I'll probably continue to work part time, you know, into my sixties. Okay. And so yeah. So so I haven't you know? Yeah. I don't see, like, a a full retirement kind of until, yeah, quite a bit along. Yeah. No. Obviously, That's things perfect. contained. You Yep. you know? We don't know, but I'm sort of anticipating with all going well, my health and everything going well, and me being able to continue working. Yeah. So and, yeah, my husband's also got well, not my husband, not but we, as in our family, we you know, we've got properties, etcetera, because my husband runs his own Yeah. business. So he's Yes. we bought properties as an investment and sent for him because because he doesn't really have much in a super fund per se. Yeah. Yep. Right. So Yep. yeah. That's okay. So with the Goldie investment properties, you've got two at the moment. You kinda mentioned that you weren't No. looking to buy any more in the short term at the moment, but is your goal to Yeah. have more properties down the track to sort of supplement super as income in retirement, or what's your goal with those at the moment? We might, yeah, we might look at that as well. Yeah. So maybe Yep. another property down the line, we may look at commercial property. Yeah. So yep. Yep. No. That's okay.","start_word":2584,"end_word":2922,"sentiment":"neutral","sentiment_score":0.06915241915040311},{"text":"That's perfect. It kinda gives me an idea of where we're tracking.","start_word":2923,"end_word":2934,"sentiment":"positive","sentiment_score":0.4342275857925415},{"text":"So, I mean, realistically, the way I sort of see things at the moment is you're wanting to build your super as much as possible because your super is the one that's gonna be relied on down the track, but then supplementing Yes. that by maybe working longer and part time if you can or if you're comfortable doing that when you hit the the sixties, but Yeah. also then long term, having that investment income coming from those properties to supplement what's coming out of your super to provide that longevity. Am I on the right track with that? Yeah. That's that's correct. Yeah. Yeah.","start_word":2935,"end_word":3040,"sentiment":"neutral","sentiment_score":0.19376106560230255},{"text":"Beautiful. That's fantastic.","start_word":3041,"end_word":3043,"sentiment":"positive","sentiment_score":0.5755507349967957},{"text":"And do you know roughly so your husband doesn't work sorry. He's self employed. I do apologize. Mhmm. What does he do for work? A variety of things. His main Okay. his main job that he's doing at the moment is actually swimming pool renovations. So Oh, fantastic. yeah. So, basically, the you try and send clean, send repaint, send, you know, so he needs refiberglass, and he does all of that. Yep. Yep. So he does that. That's main sort of focus, but he's also Wow. Yeah. he does free diving and instructing as well. So he runs Wow. courses and trains people to how to free dive better and safely.","start_word":3044,"end_word":3155,"sentiment":"neutral","sentiment_score":0.0717146024107933},{"text":"That is fantastic.","start_word":3156,"end_word":3158,"sentiment":"positive","sentiment_score":0.5361528396606445},{"text":"Yeah. Wow. Yeah. Yeah. Awesome. Yeah. And, I mean, coming into winter is sort of when everyone would wanna be getting that full renovated, get all the work done ready for, you know, summer coming back again. So Yeah. Yeah. Yeah.","start_word":3159,"end_word":3199,"sentiment":"neutral","sentiment_score":0.1551029580395396},{"text":"absolutely.","start_word":3200,"end_word":3200,"sentiment":"positive","sentiment_score":0.3617814183235169},{"text":"Yeah. Yeah.","start_word":3201,"end_word":3202,"sentiment":"neutral","sentiment_score":0.2147744745016098},{"text":"So Perfect.","start_word":3203,"end_word":3204,"sentiment":"positive","sentiment_score":0.45551857352256775},{"text":"he does No. that Excellent. yeah. He does that between so we're we're based in Perth, but Yep. he does he works between Perth and then he goes up into the Pilbara to Caratha, and he he works up there as well because it gets Wow. very wet in in Perth out of this time. So Yes. you can't really do a lot in terms of, you know, renovating swimming pool. But winter Yeah. in Karratha is, like, the Wow. perfect climate to Perfect do time. swimming pool. So, yeah, Yeah. so Wow. that's how he sort of puts his time. And the same thing Yeah. with the with the free diving courses because the weather here and Yes. the water gets pretty cold down in Perth. So he goes up there and continues to teach and train up there. Yep. Yeah. Wow.","start_word":3205,"end_word":3347,"sentiment":"neutral","sentiment_score":0.05189809575676918},{"text":"That's incredible.","start_word":3348,"end_word":3349,"sentiment":"positive","sentiment_score":0.4750376343727112},{"text":"And is it sort of gone for long periods of time, like a week or two at a time, or is it more just a few days Yeah. here and Yeah. there No. each He'll week? go he'll go for, like, three weeks most of the time, yeah, to get, you know, Yeah. to get Wow. the value of being up there because Yeah. he drives drives up and down. So yeah. Yeah. Wow. I mean, that's a pretty amazing skill set. I definitely can't free dive, and I think anyone who can hold their breath for that long is pretty Yeah. amazing. Yeah. Yeah. Oh, No. That's wow. pretty good.","start_word":3350,"end_word":3460,"sentiment":"neutral","sentiment_score":0.05271662026643753},{"text":"Oh, fantastic. Excellent. Well, I do love that.","start_word":3461,"end_word":3468,"sentiment":"positive","sentiment_score":0.418316125869751},{"text":"So what I will sort of look at for the advice is just maybe splitting out that so removing the ban along and replacing it with Yes. something else. So look at the cost side of things. Yeah. One of the things I do wanna look at is the CDT consequences. So what your super fund, just like you do, does a tax return every year. So Yeah. when we do rebalance the portfolio or replace investments, your super fund does have to pay capital gains tax. So I will take that into account as part of the advice there for Okay. you. Sure. Depending on what we're rebalancing and how Benelong has has sort of performed, we might even be able to offset any CGT Some consequences of them are. inside super and really isn't to your advantage there. So that'll be Okay.","start_word":3469,"end_word":3612,"sentiment":"neutral","sentiment_score":0.010931553299694013},{"text":"a good thing to look at.","start_word":3613,"end_word":3618,"sentiment":"positive","sentiment_score":0.5577654838562012},{"text":"Yes. I know when you came on board, the last few advice documents you probably received would have sort of sorta shown you right up until retirement. Because Mhmm. you are still so young, because there are a lot of things occurring and altering and changing in your life, this advice document will only project out the next five to ten years due to the amount of Yeah. things that can definitely change. So And then we'll just keep building on that for you to try and get as much into super as we possibly can and build that up to give you the, you know, the most the most out of your retirement years when you get to that point. How does that sound? yeah. Yeah.","start_word":3619,"end_word":3745,"sentiment":"neutral","sentiment_score":0.1361747980117798},{"text":"That sounds Fantastic. great. Fantastic.","start_word":3746,"end_word":3750,"sentiment":"positive","sentiment_score":0.7007949352264404},{"text":"Now a few other questions here just to kinda gauge whether you're in the right portfolio or not. If you sort of have you ever looked at your super and found that it had fallen, Addison? I know we've all sort of bought the saw it fall fall, sorry. I do apologize. In March, April this year with what was happening. Mhmm. But have you ever seen it fall very heavily, like, around about 10 or 20% in past? No. I I don't think so. No. That's okay. If you did happen to see your super four pretty heavily, the fact that you can't access it now, you've got quite a bit of time ahead of you. Do you think seeing dips like that in your would concern or are you sort of not overly concerned because you can't access soup and now you've got a bit of time ahead of you? How do you think you might be feeling? Yeah.","start_word":3751,"end_word":3911,"sentiment":"neutral","sentiment_score":-0.07384505867958069},{"text":"I mean, I think I'm I'm pretty confident that, you know, it will just continue to grow.","start_word":3912,"end_word":3928,"sentiment":"positive","sentiment_score":0.3989374041557312},{"text":"Yeah. And so even yes. If there are, like, those kinds of debts, overall, you know, if you look at the, you know, the the long I've been having earning super and whatnot, Yeah. the the growth has has been steady and it's it has been Yep. you know, so even when there's been those debts sort of corrected and then, yeah, continued. So Yeah. I Yeah. understand that, you know, more kind of macroeconomic Yep. things can impact on it, which is obviously Absolutely. not within anyone's control. But for the Yeah. most part, like, if things continue to be relatively stable, then, yeah, I'm I'm not concerned that by the time I retire, I'm pretty Yep. sure Yep. there'll be plenty. Perf Yeah.","start_word":3929,"end_word":4053,"sentiment":"neutral","sentiment_score":0.06393852174282073},{"text":"perfect. All good.","start_word":4054,"end_word":4056,"sentiment":"positive","sentiment_score":0.5671072602272034},{"text":"And do you feel like you'd be comfortable now taking on more risk in the market to try and obtain those greater potential returns, or do you feel like you'd be feeling a bit more conservative because of the ups and downs the market has been seeing? How do you think you might sort of fit in there? Yeah.","start_word":4057,"end_word":4115,"sentiment":"neutral","sentiment_score":0.05319302901625633},{"text":"I think I'm I'm I'm happy to keep things as they are.","start_word":4116,"end_word":4127,"sentiment":"positive","sentiment_score":0.4673745036125183},{"text":"So probably Yep. yeah. Just given yeah. Some of Yep. the the things going on in the world at the moment, I'll probably, Yeah. yeah, just continue to be a bit more conservative. Yeah. Yeah. Absolutely. Well, with the growth sort of area and the growth portfolio that you're in, when you sort of assess risk out of, say, a number between one and five, you're kind of in that sort of three to 4%. So you're not really in the highest risk category. You're not putting Yes. all of your investments in those high growth kind of assets, Yes. but you're also not very conservative on the lower end. You're kind Yeah. of in the middle there. In the So middle. with that Yeah. eighty twenty Yeah. split yeah. Yeah. And, realistically, this sort of portfolio does sort of sit with your time horizon. It generally suits someone who has about six years before they're wanting to access their super. As Yes. I mentioned, you have the eighty twenty kind of split between gross defensive assets. And Yes. the average return we're looking to try and achieve over the longer term from this one is about seven to 9% on a yearly basis. So looking Yes. at how your super this year has performed, net of fees, you've actually performed and returned 8.28 percent. So Mhmm.","start_word":4128,"end_word":4354,"sentiment":"neutral","sentiment_score":0.057010432549378945},{"text":"it is definitely in that range. You're kind of on track with what what we're kind of aiming for with this portfolio.","start_word":4355,"end_word":4376,"sentiment":"positive","sentiment_score":0.4084847569465637},{"text":"And to come Yes. out even with what's been happening this year and with Ben along, having a bit of a downtime and not performing the way we wanted to to come up with an 8% return net of fees.","start_word":4377,"end_word":4416,"sentiment":"neutral","sentiment_score":0.12478037178516388},{"text":"There's still a good Yes. positive result. So very happy with that for the year.","start_word":4417,"end_word":4431,"sentiment":"positive","sentiment_score":0.6305185556411743},{"text":"Yeah.","start_word":4432,"end_word":4432,"sentiment":"neutral","sentiment_score":0.23370707035064697},{"text":"Yes. Fantastic.","start_word":4433,"end_word":4434,"sentiment":"positive","sentiment_score":0.4694201052188874},{"text":"So I definitely wanna keep you in that growth kind of environment a bit longer. If you ever find the day that you are a bit nervous about what's happening or just had some questions around the investments or anything that you are hearing, please do give us a call. We are here to help you along and definitely provide information and guide you through those times.","start_word":4435,"end_word":4501,"sentiment":"neutral","sentiment_score":0.17003554105758667},{"text":"But I'm very positive and very happy with how your super performed for the year.","start_word":4502,"end_word":4516,"sentiment":"positive","sentiment_score":0.6939451694488525},{"text":"So we'll, you know, Mhmm. Yep. try to keep it on track, and I'll just make some alterations of those investments, and I'll come back with an advice document that shows you what I'm outlining recommendation wise. Okay? Yeah. Yeah.","start_word":4517,"end_word":4556,"sentiment":"neutral","sentiment_score":0.1670180708169937},{"text":"Sounds good. Beautiful.","start_word":4557,"end_word":4559,"sentiment":"positive","sentiment_score":0.5121329426765442},{"text":"Now the other thing is you do also have insurances inside your super fund there as well, paid out of super at the moment. So you've got your life and TBD with ClearView. The current sum insured for those is about 861,842. In Mhmm. the event of a life event, so if you were to pass away prematurely, your super is paid out as well as your life cover. So, realistically, you've got that extra $113,009.53 on top of the $8.61. When we sort Yes. of have a look at your assets there, having a look. So with the loans, just to confirm, and let me know if there's any changes here, but your main primary residence there, I have it down here that you're owing about 540,000. Is that fairly accurate, or would that change? Let me just have a quick look. That's okay. I'll just jump on to my home loans. Yep. Okay. So sorry. Say that again. The I had a loan of 540,000. for the Woodvale property? That's Timberlane. Yeah. No. So that is we are about 400,000 on that one.","start_word":4560,"end_word":4744,"sentiment":"neutral","sentiment_score":0.02531750669853913},{"text":"Oh, fantastic. That's a really good joke. Excellent.","start_word":4745,"end_word":4752,"sentiment":"positive","sentiment_score":0.6046547293663025},{"text":"It's yeah. It's it's not really. We just shuffle things around. Alright. I've also got the investment property for Estuary, and that one there had a loan of 560,000. Yeah. So that's that one's it's gone up. So we've we've put money we've taken money out of our investment properties to put into the house, into our Yep. own occupied because we don't make any money on that. Absolutely. So the Heathridge, the entry one is 660. $6.60.","start_word":4753,"end_word":4830,"sentiment":"neutral","sentiment_score":0.01825004629790783},{"text":"Beautiful.","start_word":4831,"end_word":4831,"sentiment":"positive","sentiment_score":0.4201813936233521},{"text":"And then Yep. the other one I had here is a Carasa, and it was $518,005.30. Yeah. That's I mean, yeah. It's $5.13 now. So, yep, that's pretty accurate. Yeah. So yeah. So Then heck. Excellent. So looking at the way and mhmm. what you wanted your life cover to pay out, so with your goal with your life insurance, if you Yeah. were to pass away prematurely, are you wanting to just have your main primary residence covered and then, you know, allow your partner to sell the investment properties or keep them depending on what he chooses, or are you kinda wanting Yeah. Yeah. to cover all the loans? What would your goal be with? Yeah. No. We wouldn't wanna cover all the lines. Yeah. Just No. the primary. Mhmm. Yep. That's okay. So with the current cover you have at the moment, that would obviously pay off the main primary residence there to cover the 400,000 owing. And then, you know, you would have that extra buffer which he could either put on the loans or use to take some time off to allow, you know, bereavement, work out what he wants to do, you Yes. know, get whether he Yes. wants to, you know, not work for a couple of years, take care of the kids, consider, you know, childcare aspects. So are you fairly comfortable with the life sorry, life cover that Yeah. you have at the moment? Yes. Yep. Yes.","start_word":4832,"end_word":5077,"sentiment":"neutral","sentiment_score":0.022370690797887196},{"text":"I think that's adequate. Beautiful. Yep. Beautiful.","start_word":5078,"end_word":5084,"sentiment":"positive","sentiment_score":0.4363175928592682},{"text":"Now with TBD, total permanent disability is paid out in the event that you're never able to go back to work again. So with TBD, Yes. I just like to clarify because not everyone is aware. Unfortunately, it is also a taxable payment. So if you were to claim Yes. TBD, you can pay tax of up to 22% depending on how you Okay. take the funds. We, as advisers, if you ever had to claim TBD, would help you to claim it, but then we would also provide advice on how best to structure those payments so that you could limit the amount Minimize of tax that you tax. would have Yeah. to pay. Yeah. So yeah. But you do have the same amount of TBD as you do, like, Okay. $861,008.40 Yeah. 2, which realistically would pay off the main primary residence there, Yeah. Could also then be used to pay down some of the additional debts, you know, on the other properties if you wanted Yep. to, or the additional could be drawn down as income to sort of support, you know, support you for a bit longer, Yes. allow for, you know, changes to vehicles or modifications to the home or, you Yeah. know, recreational recovery, whatever Yes. was sort of needed there. But do you are you comfortable with the level of cover you have with CBD? Did you wanna kinda review that at all? No. I think that's fine. That's okay.","start_word":5085,"end_word":5331,"sentiment":"neutral","sentiment_score":0.03963971883058548},{"text":"Beautiful.","start_word":5332,"end_word":5332,"sentiment":"positive","sentiment_score":0.4417632222175598},{"text":"And then with the income protection benefit there as well and I do apologize. My computer had a little bit of a moment. I had your income as a 140,000. Did you tell me Yep. before that you wanted to increase or alter, or is that still the same? I'm so sorry. No. No. That's that's what it is. Yeah. Yeah. That right. It's set Yes. up there.","start_word":5333,"end_word":5400,"sentiment":"neutral","sentiment_score":-0.024754675433916205},{"text":"Beautiful.","start_word":5401,"end_word":5401,"sentiment":"positive","sentiment_score":0.5505377054214478},{"text":"Yep. Mhmm. So having a look at that at the moment, with income protection, you can be covered for up to 70% of your income in the event that you're unable to work in the short term. With the income protection benefit you have, you have a benefit amount of $6,008.38. It's a pretax amount and a monthly benefit. So that's how much you could claim pretax if you are off work. Okay. 70% of your current income would mean we'd need to increase that benefit to about 8,001 Okay. 166 per month. So you are a little bit underinsured at the moment. However, in the event of, say, claiming on income protection, would the benefit you're covered for the $6.08 $3.08 plus maybe your husband's income, plus any income from the investment properties or anywhere else that you're able to generate funds from, would all that be sufficient, or would you need to maybe look at increasing that income protection benefit? What would the cost be of increasing the benefit? I'd have to do a bit of a quote for you and see. Okay. If you like, I can generate a quote and send it through Yeah. just to give you a bit of a guide. It's not an exact because Yeah. it depends on factors there. But I Sure. could get a bit of a quote and email it through so you can see what the estimated increase might look like and sort of work Yeah. out if you need to increase. Yeah. Yeah.","start_word":5402,"end_word":5657,"sentiment":"neutral","sentiment_score":0.022509709000587463},{"text":"If you can do that, that would be great.","start_word":5658,"end_word":5666,"sentiment":"positive","sentiment_score":0.40108680725097656},{"text":"Yep.","start_word":5667,"end_word":5667,"sentiment":"neutral","sentiment_score":0.30312302708625793},{"text":"Thank you. Absolutely. Not a problem at all.","start_word":5668,"end_word":5675,"sentiment":"positive","sentiment_score":0.44819721579551697},{"text":"With your income protection, you've also got a ninety day waiting period. So you just have to be off work for ninety days prior to making a claim. Okay. We suggest that as soon as you're off work and not able to go back for a period of time, you think you're gonna be off that time frame, to give us a call, let us know. We can at least let the insurer know that, you know, there is a possible claim coming, and then they can work out, you know, the ninety Yes.","start_word":5676,"end_word":5769,"sentiment":"neutral","sentiment_score":0.04232853626277536},{"text":"day starting point and just makes it a bit easier and more streamlined there for you.","start_word":5770,"end_word":5785,"sentiment":"positive","sentiment_score":0.4887475371360779},{"text":"Okay. And you do have a five year benefit period, so it does mean you can be on a claim for up to five years. After Okay. that five years, the claim does stop regardless of whether you can work or not, but I do like a five year benefit period. It means that you're you know, most claims are completed within that sort of one to two years. However, Yes. there are instances where maybe you need to be on a partial claim for a little bit longer, so having that five year benefit period can provide a bit of a buffer there. Yep. Are you sort of happy with the waiting and benefit periods of those at the moment? Or Yeah. That's fine. Yep. yes.","start_word":5786,"end_word":5912,"sentiment":"neutral","sentiment_score":0.09643810242414474},{"text":"Beautiful.","start_word":5913,"end_word":5913,"sentiment":"positive","sentiment_score":0.5769176483154297},{"text":"Do you have any questions about the insurances, how they're structured, or what you can claim, or anything? No. No. I don't. No. That's okay.","start_word":5914,"end_word":5938,"sentiment":"neutral","sentiment_score":0.05654297769069672},{"text":"Beautiful.","start_word":5939,"end_word":5939,"sentiment":"positive","sentiment_score":0.4867761731147766},{"text":"And it looks like you don't have any additional insurances that can be held outside sleep. But I'm having a bit of a look here. I can see that you've got three kids, three dependents at home as well. Is that right? Yes. Yeah. What ages are they? 17, 15, and 13. Wow. All teenagers. Yeah. My daughter my youngest just turned 13 on Sunday.","start_word":5940,"end_word":6004,"sentiment":"neutral","sentiment_score":0.11331978440284728},{"text":"Wow. That's exciting.","start_word":6005,"end_word":6007,"sentiment":"positive","sentiment_score":0.6264818906784058},{"text":"So there are additional insurances outside of Life TBD income protection that you could always look to apply for. We have other insurances like trauma, which pays out a lump sum tax free benefit in the event that you're diagnosed with, say, Parkinson's, have a heart attack, or a stroke, cancer is probably the biggest one. We can also apply for and obtain, like, child trauma policies, which in the event that your child is diagnosed with, like, a traumatic condition, can also pay out a lump sum tax free benefit there. Those are the types of insurances you can't hold inside. So if they are an external cost added to your back pocket, did you wanna look at an additional cover, or you're just happy with the covers that you have at the moment?","start_word":6008,"end_word":6142,"sentiment":"neutral","sentiment_score":0.07444101050496102},{"text":"I think I'm happy with what I have now. Thank Happy? you. That's okay.","start_word":6143,"end_word":6156,"sentiment":"positive","sentiment_score":0.5106438398361206},{"text":"If you ever wanna have more of a conversation or find out more about these other types of insurances, please let me know. Just Okay. making sure that you've got all the information there and that you can make an informed decision.","start_word":6157,"end_word":6198,"sentiment":"neutral","sentiment_score":0.21852724254131317},{"text":"Easy. So Fantastic. I mean, realistically, when you think of all the insurances you can have, you can basically insure everything to the health care.","start_word":6199,"end_word":6223,"sentiment":"positive","sentiment_score":0.4048326313495636},{"text":"This is the out of pocket expense for doing that. Yeah. Yeah. That's right. Yeah. Yeah.","start_word":6224,"end_word":6239,"sentiment":"neutral","sentiment_score":0.15604747831821442},{"text":"Beautiful. Beautiful.","start_word":6240,"end_word":6241,"sentiment":"positive","sentiment_score":0.5077949166297913},{"text":"And now so just having a look with your expenditure, are you finding are you guys finding that you are able to save a little bit at the moment? I think last year when we caught up and did the annual review, we're managing to save or put away about a thousand dollars per week. Are you still finding that, or is it a little bit tougher with everything expenses? Yeah. I don't know. It's hard to say. Yeah. Again, I'm just having a look. Because my yeah. I've spent averaging it out. Yes. Because my husband runs his own business, obviously, his income's to a. Yeah. Mhmm. And so it can be dependent on, you know, his his earning. Yeah. Yeah. But I would say yeah. I mean, we're probably not saving as much Yeah. as we would like to. But then again, we are also well, when I say we're so we're saving, but we're putting money into the granny flat. So anything that Yeah. Yeah. we save within, you know, our our spending Yeah. on that. So Yep. so I'd say, yeah, we'd we'd probably yeah, let let's say 500 a week. It's Okay. probably about half of what we were. Yeah. Yeah. That's okay. And what's the estimated time frame for having the granny flat completed? Have you given yourselves a bit of a deadline at all? Or Yeah. I mean, not in a super huge rush because at the moment, my my in laws are actually just staying in our caravan. Okay. So we've got a we've got a fully self contained caravan with a kitchen and a toilet and bathroom and all of that kind of thing. Wow. So yeah. That because, I mean, they can still come in and you know, they come into the main house, and they can use the Yeah. the toilet and bathroom and whatnot. But yeah. So they're kind of quite self sufficient in in that Yes. space. So we're not in a huge rush. So it's it's a case of when we have the money. You know? Yeah. So being able to because, like, certain things will cost. You know? We only, like, a lump sum of of an amount. So once we, Yeah. you know, get that, then we can pay. You know? So but Yep. at the moment, it's very much in the beginning phase with so the architects have submitted the plans to the council. So we've probably got about a ten week wait for approval, if they're happy with everything. And, you know, Okay. so it's really yeah. We don't ideally, if we could have it done by the end of the year, that would be, yeah, Yeah. that would be ideal. Yeah. No. But, yeah, we're not sort sort of, like, super stressed about it. But yeah. No. That's okay. Yeah.","start_word":6242,"end_word":6720,"sentiment":"neutral","sentiment_score":0.0045185779903807325},{"text":"That's fantastic. We'll cross our fingers.","start_word":6721,"end_word":6726,"sentiment":"positive","sentiment_score":0.4414731860160827},{"text":"Everything goes to plan and that you do Yeah. have all of that done by the end of the year.","start_word":6727,"end_word":6746,"sentiment":"neutral","sentiment_score":0.27182456851005554},{"text":"That'd be fantastic.","start_word":6747,"end_word":6749,"sentiment":"positive","sentiment_score":0.6498439311981201},{"text":"Yeah. Yeah. That would be.","start_word":6750,"end_word":6754,"sentiment":"neutral","sentiment_score":0.2645875811576843},{"text":"Excellent. Excellent.","start_word":6755,"end_word":6756,"sentiment":"positive","sentiment_score":0.4941917359828949},{"text":"And just for the caravan, I have it noted here estimated value last year was about 55,000. Would you alter or change Mhmm. that value or keep it about the same? Oh, gosh.","start_word":6757,"end_word":6789,"sentiment":"neutral","sentiment_score":0.004379565742882815},{"text":"I'm more like this a depreciating asset, so you should probably drop it maybe.","start_word":6790,"end_word":6803,"sentiment":"negative","sentiment_score":-0.4208456575870514},{"text":"I wouldn't obviously, with the financials, our accountant does everything because all of that stuff is kind of linked to my husband's business. So they would've she would've appreciated the caravan, I'm sure. Yes. What value would it be to you if you if you had to sell the caravan or if you wanted to sell Oh the caravan? gosh. What would you want for it? What value is it more to you? Yeah. I suppose if we could get about 50 for it, that would be great. Yes.","start_word":6804,"end_word":6892,"sentiment":"neutral","sentiment_score":-0.04099844768643379},{"text":"Beautiful. Yeah. Fantastic.","start_word":6893,"end_word":6895,"sentiment":"positive","sentiment_score":0.47608888149261475},{"text":"But yeah. I've That's was great. that's okay. I've also got cars on here. I believe it's Yep. probably two. It just says cars, plural. Just double checking, asset value combined is about 30,000. Would you keep the cars roughly the same, or what value are they to you? Yeah. It's fine. Maybe, like, a 25 because I think 20 yeah. 5. Yeah. Yep. Yeah. The service Beautiful. depreciation. Yep. Yeah. That's okay. And I Yep. also had a note here that you've got a boat, roughly estimated value of about 15,000. Yep. Yes. Yep. Beautiful. And then you also did have about Yes. 30 Yep. 5,000 in savings last year. This was being used for the investment property. Is that kind of being used for the granny flat, or do you still have that money in an offset? No. We put that all back into, yeah, the the it was meant to be put into an offset, and when they set up the new lines, they didn't quite do it the way we wanted to. So, yeah, unfortunately, Oh, that's gone no. all all in back into the the home. But anyway so we've we've got we've got an offset facility Yeah. that we then just you know, all the extra money goes into that. Yep. And then that's what we if we need to and it's a redraw account. So if we need to draw out of it, Yep. we can. And that's Yes. where we're putting an extra and then we pull out of that for the granny flat. So that's how what Fantastic. we're confusing it.","start_word":6896,"end_word":7165,"sentiment":"neutral","sentiment_score":0.0127193557861675},{"text":"Excellent.","start_word":7166,"end_word":7166,"sentiment":"positive","sentiment_score":0.3757568597793579},{"text":"Yep.","start_word":7167,"end_word":7167,"sentiment":"neutral","sentiment_score":0.18771100044250488},{"text":"Excellent.","start_word":7168,"end_word":7168,"sentiment":"positive","sentiment_score":0.3496464490890503},{"text":"And then with the the property, just so double checking the values on those, the Karratha property, we had it noted about 750,000. Do you think that might Yep. have increased in value a little bit since we spoke last year in November? No. That's pretty pretty consistent. Yeah. On point. Caracas. Yep. Yeah. That's okay. I've also got here, so the Estuary property about 800,000 in value. Would you increase that one a little Mhmm. bit Yes. or a That's lot? gone up. I'd say that's probably about $9,900 now. Yep.","start_word":7169,"end_word":7260,"sentiment":"neutral","sentiment_score":0.03296801447868347},{"text":"Fantastic. Excellent.","start_word":7261,"end_word":7262,"sentiment":"positive","sentiment_score":0.37463146448135376},{"text":"And then your main primary residence in Timberlane, Yep. 1.1 Mhmm. million I had on here for you. Yeah. That could probably go up to 1 I would say $1.02. So maybe another 100,000. Yep. Yep.","start_word":7263,"end_word":7298,"sentiment":"neutral","sentiment_score":0.07738001644611359},{"text":"Fantastic.","start_word":7299,"end_word":7299,"sentiment":"positive","sentiment_score":0.35171064734458923},{"text":"Excellent. Well, Yeah. thank you The so WA much for updating property all market's those. doing well. That's good. Yeah. That's fantastic. I mean, having in recent months, the property markets have been, you know, going up in some areas, not so much in others. And I see the Melbourne's had a little bit of a decrease, so Yeah. it's good to see WA Yeah. is being increasing for you guys. Yeah. Yeah. Yeah. Excellent. Now the last thing to sort of touch base on is the estate planning side of things. Yes. I do have it noted that you didn't have a will or power of attorney last year when we did the annual review. Yep. Have you guys talked about doing up a will, power of attorney, Yes. things like that? So we've Yep. we've now yeah. We actually did that. Yeah.","start_word":7300,"end_word":7443,"sentiment":"neutral","sentiment_score":0.08223388344049454},{"text":"Because that was one of the things that we're Fantastic.","start_word":7444,"end_word":7453,"sentiment":"positive","sentiment_score":0.44374048709869385},{"text":"like, oh, we need to get our wheels done.","start_word":7454,"end_word":7462,"sentiment":"neutral","sentiment_score":0.1569889336824417},{"text":"So we've done well.","start_word":7463,"end_word":7466,"sentiment":"positive","sentiment_score":0.3752668797969818},{"text":"Yep. I can't remember, it was a little while ago now, if if the power of attorney was part of that or not. Yeah. But we we've definitely done the will. Yes. Yep. Yep. So that's No. That's seems okay. to have yeah.","start_word":7467,"end_word":7509,"sentiment":"neutral","sentiment_score":0.0418599434196949},{"text":"Fantastic. Excellent. Yeah.","start_word":7510,"end_word":7512,"sentiment":"positive","sentiment_score":0.5423954725265503},{"text":"And with your beneficiary nominations on your life insurance and your super, I have Yep. it noted down here as Darren's spouse a 100% to receive the benefit.","start_word":7513,"end_word":7540,"sentiment":"neutral","sentiment_score":0.2608751356601715},{"text":"That's exactly how you want those to be nominated.","start_word":7541,"end_word":7549,"sentiment":"positive","sentiment_score":0.3827219307422638},{"text":"Yes.","start_word":7550,"end_word":7550,"sentiment":"neutral","sentiment_score":0.24327006936073303},{"text":"Yeah. Fantastic. Excellent. Just making sure everything is up to date there. I'm glad you've done your well.","start_word":7551,"end_word":7568,"sentiment":"positive","sentiment_score":0.5599302053451538},{"text":"It's one of those things we always kinda put them off and then we discover we really need to do them.","start_word":7569,"end_word":7589,"sentiment":"neutral","sentiment_score":0.1967135518789291},{"text":"So I'm glad they're all Yes. done.","start_word":7590,"end_word":7596,"sentiment":"positive","sentiment_score":0.33631831407546997},{"text":"Absolutely. Yes.","start_word":7597,"end_word":7598,"sentiment":"neutral","sentiment_score":0.32783836126327515},{"text":"Fantastic.","start_word":7599,"end_word":7599,"sentiment":"positive","sentiment_score":0.4808834791183472},{"text":"Well, just to kinda recap, what I'll do is I'll do up do some research for you. It does take a few weeks to kind of reevaluate all the investments and do up an advice document for you. So once we have got that ready to go, I'll come back, book you back in, and we'll go through the advice together. I'll also do up a bit of an increased quote for your income protection Yeah. just to Yes. sort of send through so you can review what that might look like to increase that. I'll also add any notes down around any exclusions Yeah. or loadings that you might have applied or expected with regards to that to gonna give you an overview on whether you wanted to increase that insurances. If you have any questions in relation to any of those days, you're welcome to come back and let me know at any point in time. Okay? Okay. Is there any other medium term goals or any other goals that you might have down the track that you're sort of looking to achieve or nothing at the moment? Or Yeah. No. That's everything. Yeah. no. No. That's okay. I'll pop down here, finish the Granny Flat, possibly add additional properties down the track there. You've also got here commercial properties that you might wanna invest in down the track there as well. Yep. Does that sound Yep. about right? Yep. Yes. That does. Yep.","start_word":7600,"end_word":7845,"sentiment":"neutral","sentiment_score":0.08735597715145205},{"text":"Oh, fantastic.","start_word":7846,"end_word":7847,"sentiment":"positive","sentiment_score":0.6853278279304504},{"text":"Is there anything else that you might want me to touch on or anything I may have missed or anything else of importance or any other questions that you might have at all? No. I think that's covered No? everything.","start_word":7848,"end_word":7887,"sentiment":"neutral","sentiment_score":0.16069313883781433},{"text":"Thank you. Fantastic. Not a problem. But I will I will get cracking on that research there for you. I thank you so much for your time.","start_word":7888,"end_word":7914,"sentiment":"positive","sentiment_score":0.5079625248908997},{"text":"Attached to any review pack is all those documents I went through. So your internal rate of return, your summary there. We've also got the financial services guide attached for you, which outlines everything about who we are, what we do, and how we Yep. do it. We do also have attached there for you your ongoing service agreement. So out of your super, you do pay us an ongoing service fee for looking at your super monitoring, maintaining it, and also updating and providing advice to keep you on track towards meeting your retirement goals there. Our ongoing service fee is 1.65% per annum. That is currently capped at 600,000, and it's deducted in smaller monthly increments. So the idea is that as a percentage based fee, it fluctuates with the market. So when the market Yes. is doing really well, our fee is a little bit higher. However, when we see dips like we saw in March and April this year, it means that our fee takes a bit of a dip there with it as well. So it is dependent on what's happening with your super to how much we make, and which is really important because we wanna make sure we're putting your needs above that of our own. That includes our fees. So Yes. it's good to see the 8% return, and that return is after fees. It's a net return, and that's after our ongoing service fee has been deducted as well. So Yes. it's really, really important that we kinda clarify those for you. If you are happy with our services, wanna remain on board for a bit longer as a client, I'll get you to sign and return that one back there for me. Yes. Feel free Yes. to take some time to read those documents. And if you do find you have any questions in relation to any of them, you're welcome to let me know. Okay? Okay.","start_word":7915,"end_word":8241,"sentiment":"neutral","sentiment_score":0.1167940918914404},{"text":"Alright. Excellent.","start_word":8242,"end_word":8243,"sentiment":"positive","sentiment_score":0.581906795501709},{"text":"Is there anything else that you might want me to sort of research or just to sort of go through while I'm sending you an email so I could any other questions that you might might have popped up in the last few minutes? No. No. I have everything.","start_word":8244,"end_word":8292,"sentiment":"neutral","sentiment_score":0.21888157725334167},{"text":"Thank you.","start_word":8293,"end_word":8294,"sentiment":"positive","sentiment_score":0.3841477334499359},{"text":"No.","start_word":8295,"end_word":8295,"sentiment":"neutral","sentiment_score":0.04156550392508507},{"text":"My pleasure, Jay. Look. Thank you so much for taking my call. I hope you have a lovely day. I hope you have a great Thanks. weekend coming up.","start_word":8296,"end_word":8324,"sentiment":"positive","sentiment_score":0.6444355845451355},{"text":"I know it's only Tuesday, but the weekend will be here before we know it.","start_word":8325,"end_word":8339,"sentiment":"neutral","sentiment_score":0.14343473315238953},{"text":"Yes. Yeah. I love it, and I'll get a crack in that research there. If there's anything that comes up, you're welcome to let me know at any point.","start_word":8340,"end_word":8368,"sentiment":"positive","sentiment_score":0.5369638204574585},{"text":"Okay? Okay.","start_word":8369,"end_word":8370,"sentiment":"neutral","sentiment_score":0.1928272545337677},{"text":"Alright. Thank you, Dana. Thanks. My pleasure. Enjoy your day. Thank you for your time. See you later.","start_word":8371,"end_word":8388,"sentiment":"positive","sentiment_score":0.6737048029899597},{"text":"Okay. Okay. Bye. Bye.","start_word":8389,"end_word":8392,"sentiment":"neutral","sentiment_score":0.16335220634937286}],"average":{"sentiment":"neutral","sentiment_score":0.08363853009427097}}}}