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I don't mean to interrupt your day. Perfect. Just before I jump into it, usual quick security check, if you could throw me your overview password, please. Yep. Perfect. And are you okay for the call to be recorded? Perfect. But I... One of the things I wanted to kind of run by you a little bit is just a few kind of flags and changes going on at the moment. I just want to make sure that given everything that's going on with the employment situation that we're not obviously a pain in your ass, so to speak. Yeah. I can understand that. So from my perspective, it's offer as much help as possible and keep things as simple as possible and just try and get you some improvements. In the interim, do you need any assistance with the hardship, compassionate claims for the super like last year? Yep. If you get to a point where you get letters from the bank about the mortgage or something like that, we can switch it across to them. Yeah. Yep. 20 Yeah. Yeah. So you're copying the the double whammy at the moment. But it is pretty straightforward when you get letters from the bank saying, oh, you know, in arrears or whatever it is to do compassionate instead of hardship. So if you're okay with this, I'll get the team to touch base with you in a month or two. And if you need that, we can do a nice, you know, $10 or something just to ease the burden for three to six months. Cool. So you're okay for me to sort of put that in the diary for the team? Perfect. Just with regards to the super side of things, everything is still steadily growing. Stock market's crashed a few times. The one thing that I wanted to run by you is I just wanna make a couple of changes to the investments just to kind of thread the needle given what's going on in the world. So I just wanna put together a bit of a portfolio update to send through to you if if that's okay in in about a month's time. Yeah. Yeah. Keeping on all of it, the semiconductors and all the buildings and everything. Pretty much. So the way we sort of thread the needle is the the bulk of the funds go right down the middle into some safe, steady, long term stuff. And on the left hand side, we've got to try and avoid the areas that are looking to crash with all the rate rises, the economic fuel. And on the other side, get some growth out of the AI boom, essentially. Everywhere they're spending that $4,000,000,000,000, we're wanting to push people a little bit more into the tech stocks, into those cybersecurity areas, things like that. So that's essentially what I wanna do is, look, we'll just keep it as is in terms of the growth risk profile level. Don't increase risk or anything. Just engine tune up, pivot you to be in line with that. And that way, when it booms next year, you get some growth out of the super regardless of Australia going into recession or whatever happens. That sound alright? Cool. The last thing I'll run by you before I let you go, two quick things. Just in terms of the insurance side of things. So one of the things that we were trying to do between the occupations was trim down the premiums for the insurance. You've still got a big income protection policy paid until May that covers an income for illness and injury up to 176,000. Now what I'm thinking, whether you can make a decision now or not, that's okay, is do you want me to look at trimming it down or wait to see what happens in a couple of months' time? Yeah. The only downside is going up. You... They ask you medical questions again. And if there's anything like... Let's say you trim it down, you do your shoulder, oh, here's an exclusion. I don't wanna leave it past May of next year. That's probably the latest I would leave it. Yep. Easy done. Last thing is we're trimming down our fees. So discounts for people above 200,000. Just gonna send you through a pack. That'll drop it from 2 to 500,000 is one percentage drop then again after 500,000. So any any dollar that helps will keep it afloat until contributions roll back in pretty much. So penciling for the team to touch base to see if we need to do a compassionate claim, trim down the insurances around May time at least, pivot the portfolio to be in line with the things, and trim down our fees, and that's pretty much my go for the next month. So... Awesome. I'm not gonna touch anything else in terms of goals, details. We'll leave it alone, and we'll just keep in touch with you. Awesome. Any questions for me before I let you go? Easy done, Rob. I'll see you soon, and I'll email you now. Thanks. 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afternoon, Robert. It's Tommy here from. How are you doing? Living the dream. So are you here?\n\nI I that's good, man. I appreciate. Just wondering if you have ten minutes for me now. I don't mean to interrupt your day. Perfect.\n\nJust before I jump into it, usual quick security check, if you could throw me your overview password, please. Yep. Perfect. And are you okay for the call to be recorded? Perfect.\n\nBut I... One of the things I wanted to kind of run by you a little bit is just a few kind of flags and changes going on at the moment. I just want to make sure that given everything that's going on with the employment situation that we're not obviously a pain in your ass, so to speak. Yeah. I can understand that.\n\nSo from my perspective, it's offer as much help as possible and keep things as simple as possible and just try and get you some improvements. In the interim, do you need any assistance with the hardship, compassionate claims for the super like last year? Yep. If you get to a point where you get letters from the bank about the mortgage or something like that, we can switch it across to them. Yeah.\n\nYep. 20 Yeah. Yeah. So you're copying the the double whammy at the moment. But it is pretty straightforward when you get letters from the bank saying, oh, you know, in arrears or whatever it is to do compassionate instead of hardship.\n\nSo if you're okay with this, I'll get the team to touch base with you in a month or two. And if you need that, we can do a nice, you know, $10 or something just to ease the burden for three to six months. Cool. So you're okay for me to sort of put that in the diary for the team? Perfect.\n\nJust with regards to the super side of things, everything is still steadily growing. Stock market's crashed a few times. The one thing that I wanted to run by you is I just wanna make a couple of changes to the investments just to kind of thread the needle given what's going on in the world. So I just wanna put together a bit of a portfolio update to send through to you if if that's okay in in about a month's time. Yeah.\n\nYeah. Keeping on all of it, the semiconductors and all the buildings and everything. Pretty much. So the way we sort of thread the needle is the the bulk of the funds go right down the middle into some safe, steady, long term stuff. And on the left hand side, we've got to try and avoid the areas that are looking to crash with all the rate rises, the economic fuel.\n\nAnd on the other side, get some growth out of the AI boom, essentially. Everywhere they're spending that $4,000,000,000,000, we're wanting to push people a little bit more into the tech stocks, into those cybersecurity areas, things like that. So that's essentially what I wanna do is, look, we'll just keep it as is in terms of the growth risk profile level. Don't increase risk or anything. Just engine tune up, pivot you to be in line with that.\n\nAnd that way, when it booms next year, you get some growth out of the super regardless of Australia going into recession or whatever happens. That sound alright? Cool. The last thing I'll run by you before I let you go, two quick things. Just in terms of the insurance side of things.\n\nSo one of the things that we were trying to do between the occupations was trim down the premiums for the insurance. You've still got a big income protection policy paid until May that covers an income for illness and injury up to 176,000. Now what I'm thinking, whether you can make a decision now or not, that's okay, is do you want me to look at trimming it down or wait to see what happens in a couple of months' time? Yeah. The only downside is going up.\n\nYou... They ask you medical questions again. And if there's anything like... Let's say you trim it down, you do your shoulder, oh, here's an exclusion. I don't wanna leave it past May of next year.\n\nThat's probably the latest I would leave it. Yep. Easy done. Last thing is we're trimming down our fees. So discounts for people above 200,000.\n\nJust gonna send you through a pack. That'll drop it from 2 to 500,000 is one percentage drop then again after 500,000. So any any dollar that helps will keep it afloat until contributions roll back in pretty much. So penciling for the team to touch base to see if we need to do a compassionate claim, trim down the insurances around May time at least, pivot the portfolio to be in line with the things, and trim down our fees, and that's pretty much my go for the next month. So...\n\nAwesome. I'm not gonna touch anything else in terms of goals, details. We'll leave it alone, and we'll just keep in touch with you. Awesome. Any questions for me before I let you go?\n\nEasy done, Rob. I'll see you soon, and I'll email you now. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Robert.","start":2.3999999,"end":3.28,"sentiment":"neutral","sentiment_score":0.2661505142847697},{"text":"It's Tommy here from.","start":3.28,"end":4.5,"sentiment":"neutral","sentiment_score":0.2042635828256607},{"text":"How are you doing?","start":4.56,"end":5.38,"sentiment":"neutral","sentiment_score":0.23487889766693115},{"text":"Living the dream.","start":8.08,"end":9.139999,"sentiment":"positive","sentiment_score":0.6558332641919454},{"text":"So are you here?","start":9.2,"end":10.099999,"sentiment":"neutral","sentiment_score":0.29474250972270966}],"sentiment":"neutral","sentiment_score":0.31674951646063065,"num_words":18,"start":2.3999999,"end":10.099999},{"sentences":[{"text":"I I that's good, man.","start":12.4,"end":16.685,"sentiment":"positive","sentiment_score":0.5580313444137573},{"text":"I appreciate.","start":16.685,"end":17.345,"sentiment":"positive","sentiment_score":0.4687444418668747},{"text":"Just wondering if you have ten minutes for me now.","start":18.205,"end":20.525,"sentiment":"neutral","sentiment_score":0.07695564217865467},{"text":"I don't mean to interrupt your day.","start":20.525,"end":23.724998,"sentiment":"neutral","sentiment_score":-0.04906536585518292},{"text":"Perfect.","start":23.724998,"end":24.224998,"sentiment":"neutral","sentiment_score":0.22661004960536957}],"sentiment":"neutral","sentiment_score":0.17521418064832686,"num_words":25,"start":12.4,"end":24.224998},{"sentences":[{"text":"Just before I jump into it, usual quick security check, if you could throw me your overview password, please.","start":24.845,"end":30.119999,"sentiment":"neutral","sentiment_score":0.04922134478233362},{"text":"Yep.","start":32.18,"end":32.68,"sentiment":"neutral","sentiment_score":0.0936424359679222},{"text":"Perfect.","start":32.739998,"end":33.22,"sentiment":"neutral","sentiment_score":0.2347922325134277},{"text":"And are you okay for the call to be recorded?","start":33.22,"end":35.0,"sentiment":"neutral","sentiment_score":0.060515633597970006},{"text":"Perfect.","start":36.66,"end":37.16,"sentiment":"neutral","sentiment_score":0.11394757032394408}],"sentiment":"neutral","sentiment_score":0.061960753926541656,"num_words":32,"start":24.845,"end":37.16},{"sentences":[{"text":"But I...","start":37.46,"end":38.2,"sentiment":"neutral","sentiment_score":0.01774304872378707},{"text":"One of the things I wanted to kind of run by you a little bit is just a few kind of flags and changes going on at the moment.","start":38.26,"end":45.385002,"sentiment":"neutral","sentiment_score":-0.0196319536530766},{"text":"I just want to make sure that given everything that's going on with the employment situation that we're not obviously a pain in your ass, so to speak.","start":45.845,"end":54.265,"sentiment":"neutral","sentiment_score":-0.047621053959509094},{"text":"Yeah.","start":60.12,"end":60.52,"sentiment":"neutral","sentiment_score":-0.011703824624419212},{"text":"I can understand that.","start":60.52,"end":61.72,"sentiment":"neutral","sentiment_score":0.02399720810353756}],"sentiment":"neutral","sentiment_score":-0.02785851658700267,"num_words":64,"start":37.46,"end":61.72},{"sentences":[{"text":"So from my perspective, it's offer as much help as possible and keep things as simple as possible and just try and get you some improvements.","start":61.72,"end":70.46,"sentiment":"neutral","sentiment_score":0.1817041810315389},{"text":"In the interim, do you need any assistance with the hardship, compassionate claims for the super like last 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everything.","start":233.70999,"end":238.185,"sentiment":"neutral","sentiment_score":0.039413532958580896},{"text":"Pretty much.","start":244.245,"end":244.80501,"sentiment":"neutral","sentiment_score":0.15186117216944695},{"text":"So the way we sort of thread the needle is the the bulk of the funds go right down the middle into some safe, steady, long term stuff.","start":244.80501,"end":252.105,"sentiment":"neutral","sentiment_score":0.1972265863525016},{"text":"And on the left hand side, we've got to try and avoid the areas that are looking to crash with all the rate rises, the economic fuel.","start":252.5,"end":259.8,"sentiment":"neutral","sentiment_score":-0.12064098736866274}],"sentiment":"neutral","sentiment_score":0.04373621382721057,"num_words":71,"start":233.06999,"end":259.8},{"sentences":[{"text":"And on the other side, get some growth out of the AI boom, 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things.","start":303.975,"end":306.455,"sentiment":"neutral","sentiment_score":-0.0026713059180312687}],"sentiment":"neutral","sentiment_score":0.09461552698938351,"num_words":53,"start":288.21002,"end":306.455},{"sentences":[{"text":"So one of the things that we were trying to do between the occupations was trim down the premiums for the insurance.","start":306.455,"end":313.49,"sentiment":"neutral","sentiment_score":0.02521201680329713},{"text":"You've still got a big income protection policy paid until May that covers an income for illness and injury up to 176,000.","start":315.07,"end":326.965,"sentiment":"neutral","sentiment_score":0.07622468657791615},{"text":"Now what I'm thinking, whether you can make a decision now or not, that's okay, is do you want me to look at trimming it down or wait to see what happens in a couple of months' time?","start":326.965,"end":336.09,"sentiment":"neutral","sentiment_score":0.012888982671460039},{"text":"Yeah.","start":363.16998,"end":363.41,"sentiment":"neutral","sentiment_score":-0.04826948046684265},{"text":"The only downside is going up.","start":363.41,"end":365.81,"sentiment":"neutral","sentiment_score":-0.1383662074804306}],"sentiment":"neutral","sentiment_score":0.020706989781491544,"num_words":89,"start":306.455,"end":365.81},{"sentences":[{"text":"You...","start":365.81,"end":366.05,"sentiment":"neutral","sentiment_score":-0.12369400262832642},{"text":"They ask you medical questions again.","start":366.05,"end":367.88998,"sentiment":"neutral","sentiment_score":-0.14156151935458183},{"text":"And if there's anything like...","start":367.88998,"end":369.09,"sentiment":"neutral","sentiment_score":-0.08983432352542878},{"text":"Let's say you trim it down, you do your shoulder, oh, here's an exclusion.","start":369.09,"end":372.47,"sentiment":"neutral","sentiment_score":-0.0982047872883933},{"text":"I don't wanna leave it past May of next year.","start":374.21,"end":377.045,"sentiment":"neutral","sentiment_score":-0.1805957093834877}],"sentiment":"neutral","sentiment_score":-0.1278627458959818,"num_words":36,"start":365.81,"end":377.045},{"sentences":[{"text":"That's probably the latest I would leave it.","start":377.045,"end":379.065,"sentiment":"neutral","sentiment_score":-0.1414083931595087},{"text":"Yep.","start":381.285,"end":381.785,"sentiment":"neutral","sentiment_score":0.1403130441904068},{"text":"Easy done.","start":381.845,"end":382.665,"sentiment":"neutral","sentiment_score":0.24593660235404968},{"text":"Last thing is we're trimming down our fees.","start":383.125,"end":386.02502,"sentiment":"neutral","sentiment_score":0.03340662457048893},{"text":"So discounts for people above 200,000.","start":386.165,"end":389.14502,"sentiment":"neutral","sentiment_score":0.02334005292505026}],"sentiment":"neutral","sentiment_score":-0.0036715032905340196,"num_words":25,"start":377.045,"end":389.14502},{"sentences":[{"text":"Just gonna send you through a pack.","start":391.5,"end":393.12,"sentiment":"neutral","sentiment_score":0.0578525715640613},{"text":"That'll drop it from 2 to 500,000 is one percentage drop then again after 500,000.","start":394.46,"end":399.5,"sentiment":"neutral","sentiment_score":0.015631267242133616},{"text":"So any any dollar that helps will keep it afloat until contributions roll back in pretty much.","start":399.5,"end":406.745,"sentiment":"neutral","sentiment_score":0.05730250872233335},{"text":"So penciling for the team to touch base to see if we need to do a compassionate claim, trim down the insurances around May time at least, pivot the portfolio to be in line with the things, and trim down our fees, and that's pretty much my go for the next month.","start":406.745,"end":422.61,"sentiment":"neutral","sentiment_score":0.12852030702365133},{"text":"So...","start":424.27,"end":424.59,"sentiment":"neutral","sentiment_score":0.280483603477478}],"sentiment":"neutral","sentiment_score":0.09322955681051573,"num_words":92,"start":391.5,"end":424.59},{"sentences":[{"text":"Awesome.","start":424.59,"end":425.09,"sentiment":"positive","sentiment_score":0.556227445602417},{"text":"I'm not gonna touch anything else in terms of goals, details.","start":425.38998,"end":428.625,"sentiment":"neutral","sentiment_score":0.22306439077312296},{"text":"We'll leave it alone, and we'll just keep in touch with you.","start":428.625,"end":433.125,"sentiment":"neutral","sentiment_score":0.2767366940776507},{"text":"Awesome.","start":434.86502,"end":435.345,"sentiment":"positive","sentiment_score":0.4417268633842468},{"text":"Any questions for me before I let you go?","start":435.345,"end":437.20502,"sentiment":"neutral","sentiment_score":0.18734669850932228}],"sentiment":"neutral","sentiment_score":0.24878303597078605,"num_words":34,"start":424.59,"end":437.20502},{"sentences":[{"text":"Easy done, Rob.","start":439.505,"end":440.23492,"sentiment":"positive","sentiment_score":0.8671352664629618},{"text":"I'll see you soon, and I'll email you now.","start":440.23492,"end":442.41492,"sentiment":"positive","sentiment_score":0.615786439842648},{"text":"Thanks.","start":444.15494,"end":444.55493,"sentiment":"positive","sentiment_score":0.6597645878791809},{"text":"Bye.","start":444.55493,"end":445.05493,"sentiment":"neutral","sentiment_score":-0.09368935227394104}],"sentiment":"positive","sentiment_score":0.6221113566841397,"num_words":14,"start":439.505,"end":445.05493}]}}]},{"alternatives":[{"transcript":"Hello. Robert speaking. Bloody amazing, buddy. Living the dream. Yeah. Living the dream. Relaxing, drinking my coffee, and chilling. Sure, mate. No. You're alright. Plenty of time. Eva, EVA. Yeah. Sure. Yeah. I don't know how many more flags and changes I can cope with at the moment. Thank you. Sure. No. No. We've tried we've tried this road before, and it went nowhere, sir. I'm not gonna bother. Well, the mortgage is only a hardship, sir. I got one letter come in a couple days ago to say that this... I've got two mortgage. The smaller mortgage is gonna get back online twenty second next month, which means I'm gonna start paying it. Yep. So that particular one, it's only small, so it's only, I think, $707,180 dollars a month. The big one's, like, 5.5. I don't know I don't know where it's at now with with the with all these rate rises, but, yeah, the big one's big. Yep. Mhmm. Yeah. That'd be great. Yep. Sure. Please do. Yep. Yep. How do you guys work out? How do you use a waiting investor funds? Like, how do you... How do you look at that, maybe? Because I... I've got I've been sort of some have somewhat involved in all that sort of things. And at the moment, where I see the biggest growth is and the biggest security in putting in my funds in and investing in is in all the parts that the AI robots need to be built in. You know, I'm not sure if you've seen those new Tesla AI robots. They're getting advertised and hopefully going out for sale soon. Have you seen those robots? Yep. Yeah. Yeah. Yeah. Everything everything that the robot needs internally in parts, they're the companies we should be investing in. Yep. Excellent. Sound like we're on the same boat, and that's good. Mhmm. Yep. Mhmm. Yep. Yep. Okay. Yep. I don't know. Look. Why can't we just trim it down now? And then if things change work wise and get... I'll get back in the financial sector in that sort of $1.60, $1.70 sort of salary. I can always call you back and and changing it. And then can we do that? Or Alright. Let's do that. Yep. Thank you. That'll help a bit. Mhmm. Alright, man. Mhmm. Uh-huh. That'd be great. Excellent. Sounds good. Yep. Oh, okay. Thank you. No. That's all. Thank you. Thanks. Bye. Alright, buddy. 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Robert speaking. Bloody amazing, buddy. Living the dream. Yeah.\n\nLiving the dream. Relaxing, drinking my coffee, and chilling. Sure, mate. No. You're alright.\n\nPlenty of time. Eva, EVA. Yeah. Sure. Yeah.\n\nI don't know how many more flags and changes I can cope with at the moment. Thank you. Sure. No. No.\n\nWe've tried we've tried this road before, and it went nowhere, sir. I'm not gonna bother. Well, the mortgage is only a hardship, sir. I got one letter come in a couple days ago to say that this... I've got two mortgage.\n\nThe smaller mortgage is gonna get back online twenty second next month, which means I'm gonna start paying it. Yep. So that particular one, it's only small, so it's only, I think, $707,180 dollars a month. The big one's, like, 5.5. I don't know I don't know where it's at now with with the with all these rate rises, but, yeah, the big one's big.\n\nYep. Mhmm. Yeah. That'd be great. Yep.\n\nSure. Please do. Yep. Yep. How do you guys work out?\n\nHow do you use a waiting investor funds? Like, how do you... How do you look at that, maybe? Because I... I've got I've been sort of some have somewhat involved in all that sort of things.\n\nAnd at the moment, where I see the biggest growth is and the biggest security in putting in my funds in and investing in is in all the parts that the AI robots need to be built in. You know, I'm not sure if you've seen those new Tesla AI robots. They're getting advertised and hopefully going out for sale soon. Have you seen those robots? Yep.\n\nYeah. Yeah. Yeah. Everything everything that the robot needs internally in parts, they're the companies we should be investing in. Yep.\n\nExcellent. Sound like we're on the same boat, and that's good. Mhmm. Yep. Mhmm.\n\nYep. Yep. Okay. Yep. I don't know.\n\nLook. Why can't we just trim it down now? And then if things change work wise and get... I'll get back in the financial sector in that sort of $1.60, $1.70 sort of salary. I can always call you back and and changing it.\n\nAnd then can we do that? Or Alright. Let's do that. Yep. Thank you.\n\nThat'll help a bit. Mhmm. Alright, man. Mhmm. Uh-huh.\n\nThat'd be great. Excellent. Sounds good. Yep. Oh, okay.\n\nThank you. No. That's all. Thank you. Thanks.\n\nBye. Alright, buddy. 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things.","start":200.325,"end":205.68999,"sentiment":"neutral","sentiment_score":-0.025830389466136694}],"sentiment":"neutral","sentiment_score":-0.005837569491484681,"num_words":37,"start":194.885,"end":205.68999},{"sentences":[{"text":"And at the moment, where I see the biggest growth is and the biggest security in putting in my funds in and investing in is in all the parts that the AI robots need to be built in.","start":205.98999,"end":222.35501,"sentiment":"neutral","sentiment_score":0.03857758842212589},{"text":"You know, I'm not sure if you've seen those new Tesla AI robots.","start":222.35501,"end":227.155,"sentiment":"neutral","sentiment_score":0.0015956455698380102},{"text":"They're getting advertised and hopefully going out for sale soon.","start":227.155,"end":232.28,"sentiment":"neutral","sentiment_score":0.1018957931548357},{"text":"Have you seen those robots?","start":232.28,"end":233.57999,"sentiment":"neutral","sentiment_score":0.015340329706668853},{"text":"Yep.","start":234.2,"end":234.7,"sentiment":"neutral","sentiment_score":0.04239577800035477}],"sentiment":"neutral","sentiment_score":0.0391753300079214,"num_words":67,"start":205.98999,"end":234.7},{"sentences":[{"text":"Yeah.","start":235.4,"end":235.79999,"sentiment":"neutral","sentiment_score":0.03476356714963913},{"text":"Yeah.","start":235.79999,"end":236.29999,"sentiment":"neutral","sentiment_score":0.04538232460618019},{"text":"Yeah.","start":236.84,"end":237.15999,"sentiment":"neutral","sentiment_score":0.03032347559928894},{"text":"Everything everything that the robot needs internally in parts, they're the companies we should be investing 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good.","start":275.205,"end":277.545,"sentiment":"positive","sentiment_score":0.6587093949317933},{"text":"Mhmm.","start":282.405,"end":282.905,"sentiment":"neutral","sentiment_score":0.012335758656263351},{"text":"Yep.","start":284.245,"end":284.745,"sentiment":"neutral","sentiment_score":-0.06887713074684143},{"text":"Mhmm.","start":295.76,"end":296.26,"sentiment":"neutral","sentiment_score":0.06333225965499878}],"sentiment":"positive","sentiment_score":0.5064893160015345,"num_words":14,"start":274.245,"end":296.26},{"sentences":[{"text":"Yep.","start":296.47998,"end":296.8,"sentiment":"neutral","sentiment_score":0.08506055921316147},{"text":"Yep.","start":296.8,"end":297.12,"sentiment":"neutral","sentiment_score":0.10101723670959473},{"text":"Okay.","start":297.12,"end":297.62,"sentiment":"neutral","sentiment_score":0.1505550742149353},{"text":"Yep.","start":298.4,"end":298.9,"sentiment":"neutral","sentiment_score":0.22891834378242493},{"text":"I don't know.","start":343.59,"end":344.15,"sentiment":"neutral","sentiment_score":-0.08728246887524922}],"sentiment":"neutral","sentiment_score":0.04338625818490982,"num_words":7,"start":296.47998,"end":344.15},{"sentences":[{"text":"Look.","start":344.15,"end":344.55,"sentiment":"neutral","sentiment_score":-0.08705215156078339},{"text":"Why can't we just trim it down now?","start":344.55,"end":346.63,"sentiment":"neutral","sentiment_score":-0.10209248028695583},{"text":"And then if things change work wise and get...","start":346.63,"end":350.87,"sentiment":"neutral","sentiment_score":-0.02555835847225454},{"text":"I'll get back in the financial sector in that sort of $1.60, $1.70 sort of salary.","start":350.87,"end":357.575,"sentiment":"neutral","sentiment_score":-0.00875833531608805},{"text":"I can always call you back and and changing it.","start":357.575,"end":361.415,"sentiment":"neutral","sentiment_score":0.032331040129065514}],"sentiment":"neutral","sentiment_score":-0.02160545872439715,"num_words":44,"start":344.15,"end":361.415},{"sentences":[{"text":"And then can we do that?","start":361.415,"end":362.61502,"sentiment":"neutral","sentiment_score":0.01499178105344375},{"text":"Or Alright.","start":362.61502,"end":379.88,"sentiment":"neutral","sentiment_score":-0.002187121659517288},{"text":"Let's do that.","start":379.88,"end":380.78,"sentiment":"neutral","sentiment_score":0.043414139499266945},{"text":"Yep.","start":389.995,"end":390.39502,"sentiment":"neutral","sentiment_score":0.12482815235853197},{"text":"Thank you.","start":390.39502,"end":391.135,"sentiment":"neutral","sentiment_score":0.3195108473300934}],"sentiment":"neutral","sentiment_score":0.06997633632272482,"num_words":14,"start":361.415,"end":391.135},{"sentences":[{"text":"That'll help a bit.","start":391.915,"end":393.135,"sentiment":"neutral","sentiment_score":0.05538671649992466},{"text":"Mhmm.","start":404.6,"end":404.68,"sentiment":"neutral","sentiment_score":0.005511780269443989},{"text":"Alright, man.","start":404.68,"end":405.58002,"sentiment":"neutral","sentiment_score":0.07721923291683197},{"text":"Mhmm.","start":414.145,"end":414.645,"sentiment":"neutral","sentiment_score":0.027010085061192513},{"text":"Uh-huh.","start":414.945,"end":415.445,"sentiment":"neutral","sentiment_score":0.023110659793019295}],"sentiment":"neutral","sentiment_score":0.04795753966189093,"num_words":9,"start":391.915,"end":415.445},{"sentences":[{"text":"That'd be great.","start":417.185,"end":418.085,"sentiment":"positive","sentiment_score":0.35451223452885944},{"text":"Excellent.","start":423.345,"end":423.845,"sentiment":"positive","sentiment_score":0.40022075176239014},{"text":"Sounds good.","start":424.62003,"end":425.36002,"sentiment":"positive","sentiment_score":0.5688509941101074},{"text":"Yep.","start":433.26,"end":433.58002,"sentiment":"neutral","sentiment_score":0.15001322329044342},{"text":"Oh, okay.","start":433.58002,"end":434.14,"sentiment":"neutral","sentiment_score":0.24965400248765945}],"sentiment":"positive","sentiment_score":0.3611978524261051,"num_words":9,"start":417.185,"end":434.14},{"sentences":[{"text":"Thank you.","start":434.14,"end":434.88,"sentiment":"positive","sentiment_score":0.48582014441490173},{"text":"No.","start":437.34003,"end":437.5,"sentiment":"neutral","sentiment_score":0.006601816043257713},{"text":"That's all.","start":437.5,"end":437.98,"sentiment":"neutral","sentiment_score":0.02325690258294344},{"text":"Thank you.","start":437.98,"end":438.58493,"sentiment":"positive","sentiment_score":0.8372969329357147},{"text":"Thanks.","start":438.66492,"end":439.16492,"sentiment":"positive","sentiment_score":0.8201839923858643}],"sentiment":"positive","sentiment_score":0.4399417210370302,"num_words":8,"start":434.14,"end":439.16492},{"sentences":[{"text":"Bye.","start":442.34494,"end":442.74493,"sentiment":"neutral","sentiment_score":0.3234821557998657},{"text":"Alright, buddy.","start":442.74493,"end":443.30493,"sentiment":"neutral","sentiment_score":0.2954297587275505},{"text":"Bye.","start":443.30493,"end":443.80493,"sentiment":"neutral","sentiment_score":0.25829437375068665}],"sentiment":"neutral","sentiment_score":0.29315901175141335,"num_words":4,"start":442.34494,"end":443.80493}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Robert speaking.\n\nChannel 0: Good afternoon, Robert. It's Tommy here from. How are you doing?\n\nChannel 1: Bloody amazing, buddy.\n\nChannel 0: Living the dream. So are\n\nChannel 1: Living\n\nChannel 0: you here?\n\nChannel 1: the dream. Yeah. Living the dream. Relaxing,\n\nChannel 0: I I\n\nChannel 1: drinking my coffee, and chilling.\n\nChannel 0: that's good, man. I appreciate. Just wondering if you have ten minutes for me now. I don't\n\nChannel 1: Sure,\n\nChannel 0: mean to\n\nChannel 1: mate.\n\nChannel 0: interrupt your\n\nChannel 1: No. You're alright.\n\nChannel 0: day.\n\nChannel 1: Plenty\n\nChannel 0: Perfect.\n\nChannel 1: of time.\n\nChannel 0: Just before I jump into it, usual quick security check, if you could throw me your overview password, please.\n\nChannel 1: Eva, EVA.\n\nChannel 0: Yep. Perfect. And are you okay for the call to be recorded?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Perfect. But I... One of the things I wanted to kind of run by you a little bit is just a few kind of flags and changes going on at the moment. I just want to make sure that given everything that's going on with the employment situation that we're not obviously a pain in your ass, so to speak.\n\nChannel 1: Yeah. I don't know how many more flags and changes I can cope with at\n\nChannel 0: Yeah. I can\n\nChannel 1: the\n\nChannel 0: understand that. So from my perspective, it's offer as much help as possible and keep things as simple as possible\n\nChannel 1: moment.\n\nChannel 0: and\n\nChannel 1: Thank\n\nChannel 0: just\n\nChannel 1: you.\n\nChannel 0: try and get you some improvements.\n\nChannel 1: Sure.\n\nChannel 0: In the interim, do you need any assistance with the hardship, compassionate claims for the super\n\nChannel 1: No.\n\nChannel 0: like\n\nChannel 1: No. We've\n\nChannel 0: last year?\n\nChannel 1: tried we've tried this road before, and it went nowhere, sir. I'm not gonna bother.\n\nChannel 0: Yep. If you get to a point where you get letters from the bank about the mortgage or something like that, we can switch\n\nChannel 1: Well, the\n\nChannel 0: it\n\nChannel 1: mortgage\n\nChannel 0: across\n\nChannel 1: is only\n\nChannel 0: to\n\nChannel 1: a hardship, sir.\n\nChannel 0: them. Yeah.\n\nChannel 1: I got one letter come in a couple days ago to say that this... I've got two mortgage. The smaller mortgage is gonna get back online\n\nChannel 0: Yep.\n\nChannel 1: twenty second next month, which means\n\nChannel 0: 20\n\nChannel 1: I'm gonna start\n\nChannel 0: Yeah.\n\nChannel 1: paying it. Yep. So that particular one, it's only small, so it's only, I think, $707,180 dollars a month. The big one's, like, 5.5. I don't know I don't know where it's at now with with the with all these rate rises, but, yeah, the big one's big.\n\nChannel 0: Yeah. So you're copying the the double whammy at the moment.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: But it is pretty straightforward when you get letters from the bank saying, oh, you know, in arrears or whatever it is to do compassionate instead of hardship. So if you're okay with this, I'll get the team to touch base with you in a month or two. And if you need that, we can do a nice, you know, $10 or something just to ease the burden for three to six months.\n\nChannel 1: Yeah. That'd be great.\n\nChannel 0: Cool. So you're okay for me to sort of put\n\nChannel 1: Yep.\n\nChannel 0: that in the diary\n\nChannel 1: Sure.\n\nChannel 0: for the team?\n\nChannel 1: Please do.\n\nChannel 0: Perfect. Just with regards to the super side of things, everything is still steadily growing. Stock market's crashed a few times. The one thing that I wanted to run by you is I just wanna make a couple of changes to the investments just to kind of thread the needle given what's going\n\nChannel 1: Yep.\n\nChannel 0: on in the world.\n\nChannel 1: Yep.\n\nChannel 0: So I just wanna put together a bit of a portfolio update to send through to you if if that's okay in in about a month's time.\n\nChannel 1: How do you guys work out? How do you use a waiting investor funds? Like, how do you... How do you look at that, maybe? Because I...\n\nI've got I've been sort of some have somewhat involved in all that sort of things. And at the moment, where I see the biggest growth is and the biggest security in putting in my funds in and investing in is in all the parts that the AI robots need to be built in. You know, I'm not sure if you've seen those new Tesla AI robots. They're getting advertised and hopefully going out for sale soon. Have you seen\n\nChannel 0: Yeah.\n\nChannel 1: those\n\nChannel 0: Yeah.\n\nChannel 1: robots?\n\nChannel 0: Keeping on\n\nChannel 1: Yep.\n\nChannel 0: all of it, the semiconductors\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: and all\n\nChannel 1: Yeah.\n\nChannel 0: the buildings\n\nChannel 1: Everything\n\nChannel 0: and everything.\n\nChannel 1: everything that the robot needs internally in parts, they're the companies we should be investing in.\n\nChannel 0: Pretty much. So the way we sort of thread the needle is the the bulk of the funds go right down the middle into some safe, steady, long term stuff. And on the left hand side, we've got to try and avoid the areas that are looking to crash with all the rate rises, the economic fuel. And on the other\n\nChannel 1: Yep.\n\nChannel 0: side, get some growth out of the AI boom, essentially. Everywhere they're spending that $4,000,000,000,000, we're wanting to push people a little bit more into the tech stocks, into those cybersecurity areas, things like\n\nChannel 1: Excellent.\n\nChannel 0: that.\n\nChannel 1: Sound like we're on the same boat, and that's good.\n\nChannel 0: So that's essentially what I wanna do is, look, we'll just keep it as is in terms of the growth risk\n\nChannel 1: Mhmm.\n\nChannel 0: profile level. Don't increase\n\nChannel 1: Yep.\n\nChannel 0: risk or anything. Just engine tune up, pivot you to be in line with that. And that way, when it booms next year, you get some growth out of the super regardless of Australia going into recession or whatever happens.\n\nChannel 1: Mhmm. Yep. Yep. Okay.\n\nChannel 0: That sound alright?\n\nChannel 1: Yep.\n\nChannel 0: Cool. The last thing I'll run by you before I let you go, two quick things. Just in terms of the insurance side of things. So one of the things that we were trying to do between the occupations was trim down the premiums for the insurance. You've still got a big income protection policy paid until May that covers an income for illness and injury up to 176,000.\n\nNow what I'm thinking, whether you can make a decision now or not, that's okay, is do you want me to look at trimming it down or wait to see what happens in a couple of months' time?\n\nChannel 1: I don't know. Look. Why can't we just trim it down now? And then if things change work wise and get... I'll get back in the financial sector in that sort of $1.60, $1.70 sort of salary.\n\nI can always call you back and and changing it. And then can we do that? Or\n\nChannel 0: Yeah. The only downside is going up. You... They ask you medical questions again. And if there's anything like...\n\nLet's say you trim it down, you do your shoulder, oh, here's an exclusion. I don't wanna leave it past May of next year. That's probably the latest I would leave it.\n\nChannel 1: Alright. Let's do that.\n\nChannel 0: Yep. Easy done. Last thing is we're trimming down our fees. So discounts for people above 200,000.\n\nChannel 1: Yep. Thank you.\n\nChannel 0: Just gonna\n\nChannel 1: That'll\n\nChannel 0: send you through\n\nChannel 1: help\n\nChannel 0: a\n\nChannel 1: a\n\nChannel 0: pack.\n\nChannel 1: bit.\n\nChannel 0: That'll drop it from 2 to 500,000 is one percentage drop then again after 500,000. So any any dollar that helps will keep it afloat until contributions roll back in\n\nChannel 1: Mhmm. Alright, man.\n\nChannel 0: pretty much. So penciling for the team to touch base to see if we need to do a compassionate claim, trim down the insurances around May time at least,\n\nChannel 1: Mhmm. Uh-huh.\n\nChannel 0: pivot the portfolio\n\nChannel 1: That'd be great.\n\nChannel 0: to be in line with the things, and trim down our fees, and that's pretty much my go for the next month.\n\nChannel 1: Excellent.\n\nChannel 0: So... Awesome.\n\nChannel 1: Sounds good.\n\nChannel 0: I'm not gonna touch anything else in terms of goals, details. We'll leave it alone, and we'll just keep in touch with you.\n\nChannel 1: Yep. Oh, okay. Thank you.\n\nChannel 0: Awesome. Any questions for me before I let you go?\n\nChannel 1: No. That's all. Thank you. Thanks.\n\nChannel 0: Easy done, Rob. I'll see you soon, and I'll email you now.\n\nChannel 1: Bye. Alright, buddy. Bye.\n\nChannel 0: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.64,"end":0.96,"sentiment":"neutral","sentiment_score":0.01917179673910141},{"text":"Robert speaking.","start":0.96,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.019533160142600536}],"sentiment":"neutral","sentiment_score":0.019412705674767494,"channel":1,"num_words":3,"start":0.64,"end":1.6999999},{"sentences":[{"text":"Good afternoon, Robert.","start":2.3999999,"end":3.28,"sentiment":"neutral","sentiment_score":0.2661505142847697},{"text":"It's Tommy here from.","start":3.28,"end":4.5,"sentiment":"neutral","sentiment_score":0.2042635828256607},{"text":"How are you doing?","start":4.56,"end":5.38,"sentiment":"neutral","sentiment_score":0.23487889766693115}],"sentiment":"neutral","sentiment_score":0.23227467862042514,"channel":0,"num_words":11,"start":2.3999999,"end":5.38},{"sentences":[{"text":"Bloody amazing, buddy.","start":6.08,"end":7.3799996,"sentiment":"positive","sentiment_score":0.7194899121920267}],"sentiment":"positive","sentiment_score":0.7194899121920267,"channel":1,"num_words":3,"start":6.08,"end":7.3799996},{"sentences":[{"text":"Living the dream.","start":8.08,"end":9.139999,"sentiment":"positive","sentiment_score":0.6558332641919454},{"text":"So are","start":9.2,"end":9.5199995,"sentiment":"neutral","sentiment_score":0.2956298589706421}],"sentiment":"positive","sentiment_score":0.511751902103424,"channel":0,"num_words":5,"start":8.08,"end":9.5199995},{"sentences":[{"text":"Living","start":9.44,"end":9.76,"sentiment":"neutral","sentiment_score":0.26257044076919556}],"sentiment":"neutral","sentiment_score":0.26257044076919556,"channel":1,"num_words":1,"start":9.44,"end":9.76},{"sentences":[{"text":"you 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I","start":12.4,"end":13.059999,"sentiment":"positive","sentiment_score":0.5239575207233429}],"sentiment":"positive","sentiment_score":0.5239575207233429,"channel":0,"num_words":2,"start":12.4,"end":13.059999},{"sentences":[{"text":"drinking my coffee, and chilling.","start":12.88,"end":15.139999,"sentiment":"positive","sentiment_score":0.48974732160568235}],"sentiment":"positive","sentiment_score":0.48974732160568235,"channel":1,"num_words":5,"start":12.88,"end":15.139999},{"sentences":[{"text":"that's good, man.","start":15.804999,"end":16.685,"sentiment":"positive","sentiment_score":0.5807472268740336},{"text":"I appreciate.","start":16.685,"end":17.345,"sentiment":"positive","sentiment_score":0.4687444418668747},{"text":"Just wondering if you have ten minutes for me now.","start":18.205,"end":20.525,"sentiment":"neutral","sentiment_score":0.07695564217865467},{"text":"I 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your","start":21.164999,"end":22.064999,"sentiment":"neutral","sentiment_score":-0.049121489748358727}],"sentiment":"neutral","sentiment_score":-0.049121489748358727,"channel":0,"num_words":2,"start":21.164999,"end":22.064999},{"sentences":[{"text":"No.","start":22.275,"end":22.515,"sentiment":"neutral","sentiment_score":-0.06972594559192657},{"text":"You're alright.","start":22.515,"end":23.255001,"sentiment":"neutral","sentiment_score":0.00006309524178504944}],"sentiment":"neutral","sentiment_score":-0.02319991836945216,"channel":1,"num_words":3,"start":22.275,"end":23.255001},{"sentences":[{"text":"day.","start":23.485,"end":23.724998,"sentiment":"neutral","sentiment_score":0.033652130514383316}],"sentiment":"neutral","sentiment_score":0.033652130514383316,"channel":0,"num_words":1,"start":23.485,"end":23.724998},{"sentences":[{"text":"Plenty","start":23.555,"end":24.035,"sentiment":"neutral","sentiment_score":0.1100212335586548}],"sentiment":"neutral","sentiment_score":0.1100212335586548,"channel":1,"num_words":1,"start":23.555,"end":24.035},{"sentences":[{"text":"Perfect.","start":23.724998,"end":24.224998,"sentiment":"neutral","sentiment_score":0.22661004960536957}],"sentiment":"neutral","sentiment_score":0.22661004960536957,"channel":0,"num_words":1,"start":23.724998,"end":24.224998},{"sentences":[{"text":"of 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The speaker also discussed trimming his insurance policy and the importance of avoiding \"urance boom\" in the industry. They discussed their investment strategy in AI technology and cybersecurity, emphasizing avoiding areas of risk and making growth out of AI boom. The speaker plans to keep in touch with their team and communicate with them."},"intents":{"segments":[{"text":"But it is pretty straightforward when you get letters from the bank saying, oh, you know, in arrears or whatever it is to do compassionate instead of hardship. So if you're okay with this, I'll get the team to touch base with you in a month or two. And if you need that, we can do a nice, you know, $10 or something just to ease the burden for three to six months. Yeah.","start_word":389,"end_word":462,"intents":[{"intent":"Offer assistance","confidence_score":0.0038827558}]},{"text":"You know, I'm not sure if you've seen those new Tesla AI robots. They're getting advertised and hopefully going out for sale soon. Have you seen Yeah.","start_word":655,"end_word":681,"intents":[{"intent":"Educate about ai robots","confidence_score":0.0040868637}]}]},"sentiments":{"segments":[{"text":"Hello. Robert speaking. Good afternoon, Robert. It's Tommy here from. How are you doing?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.18778617680072784},{"text":"Bloody amazing, buddy. Living the dream.","start_word":14,"end_word":19,"sentiment":"positive","sentiment_score":0.6955294609069824},{"text":"So are Living you here? the dream.","start_word":20,"end_word":26,"sentiment":"neutral","sentiment_score":0.2890140116214752},{"text":"Yeah. Living the dream. Relaxing, I I drinking my coffee, and chilling. that's good, man. I appreciate.","start_word":27,"end_word":43,"sentiment":"positive","sentiment_score":0.503960907459259},{"text":"Just wondering if you have ten minutes for me now. I don't Sure, mean to mate. interrupt your No. You're alright. day. Plenty Perfect. of time. Just before I jump into it, usual quick security check, if you could throw me your overview password, please. Eva, EVA. Yep. Perfect. And are you okay for the call to be recorded? Yeah. Sure. Perfect. But I... One of the things I wanted to kind of run by you a little bit is just a few kind of flags and changes going on at the moment. I just want to make sure that given everything that's going on with the employment situation that we're not obviously a pain in your ass, so to speak. Yeah. I don't know how many more flags and changes I can cope with at Yeah. I can the understand that. So from my perspective, it's offer as much help as possible and keep things as simple as possible moment. and Thank just you. try and get you some improvements. Sure. In the interim, do you need any assistance with the hardship, compassionate claims for the super No. like No. We've last year? tried we've tried this road before, and it went nowhere, sir. I'm not gonna bother. Yep. If you get to a point where you get letters from the bank about the mortgage or something like that, we can switch Well, the it mortgage across is only to a hardship, sir. them. Yeah. I got one letter come in a couple days ago to say that this... I've got two mortgage. The smaller mortgage is gonna get back online Yep. twenty second next month, which means 20 I'm gonna start Yeah. paying it. Yep. So that particular one, it's only small, so it's only, I think, $707,180 dollars a month. The big one's, like, 5.5. I don't know I don't know where it's at now with with the with all these rate rises, but, yeah, the big one's big. Yeah. So you're copying the the double whammy at the moment. Yep. Mhmm. But it is pretty straightforward when you get letters from the bank saying, oh, you know, in arrears or whatever it is to do compassionate instead of hardship. So if you're okay with this, I'll get the team to touch base with you in a month or two. And if you need that, we can do a nice, you know, $10 or something just to ease the burden for three to six months.","start_word":44,"end_word":461,"sentiment":"neutral","sentiment_score":0.0159426917272963},{"text":"Yeah. That'd be great. Cool.","start_word":462,"end_word":466,"sentiment":"positive","sentiment_score":0.5432485938072205},{"text":"So you're okay for me to sort of put Yep. that in the diary Sure. for the team?","start_word":467,"end_word":484,"sentiment":"neutral","sentiment_score":0.16592811048030853},{"text":"Please do. Perfect.","start_word":485,"end_word":487,"sentiment":"positive","sentiment_score":0.4322896897792816},{"text":"Just with regards to the super side of things, everything is still steadily growing. Stock market's crashed a few times. The one thing that I wanted to run by you is I just wanna make a couple of changes to the investments just to kind of thread the needle given what's going Yep. on in the world. Yep. So I just wanna put together a bit of a portfolio update to send through to you if if that's okay in in about a month's time. How do you guys work out? How do you use a waiting investor funds? Like, how do you... How do you look at that, maybe? Because I... I've got I've been sort of some have somewhat involved in all that sort of things. And at the moment, where I see the biggest growth is and the biggest security in putting in my funds in and investing in is in all the parts that the AI robots need to be built in. You know, I'm not sure if you've seen those new Tesla AI robots. They're getting advertised and hopefully going out for sale soon. Have you seen Yeah. those Yeah. robots? Keeping on Yep. all of it, the semiconductors Yeah. Yeah. and all Yeah. the buildings Everything and everything. everything that the robot needs internally in parts, they're the companies we should be investing in. Pretty much. So the way we sort of thread the needle is the the bulk of the funds go right down the middle into some safe, steady, long term stuff. And on the left hand side, we've got to try and avoid the areas that are looking to crash with all the rate rises, the economic fuel. And on the other Yep. side, get some growth out of the AI boom, essentially. Everywhere they're spending that $4,000,000,000,000, we're wanting to push people a little bit more into the tech stocks, into those cybersecurity areas, things like Excellent.","start_word":488,"end_word":814,"sentiment":"neutral","sentiment_score":0.06846456530444119},{"text":"that. Sound like we're on the same boat, and that's good.","start_word":815,"end_word":825,"sentiment":"positive","sentiment_score":0.6515843272209167},{"text":"So that's essentially what I wanna do is, look, we'll just keep it as is in terms of the growth risk Mhmm. profile level. Don't increase Yep. risk or anything. Just engine tune up, pivot you to be in line with that. And that way, when it booms next year, you get some growth out of the super regardless of Australia going into recession or whatever happens. Mhmm. Yep. Yep. Okay. That sound alright? Yep.","start_word":826,"end_word":900,"sentiment":"neutral","sentiment_score":0.121976837515831},{"text":"Cool.","start_word":901,"end_word":901,"sentiment":"positive","sentiment_score":0.3831091821193695},{"text":"The last thing I'll run by you before I let you go, two quick things. Just in terms of the insurance side of things. So one of the things that we were trying to do between the occupations was trim down the premiums for the insurance. You've still got a big income protection policy paid until May that covers an income for illness and injury up to 176,000. Now what I'm thinking, whether you can make a decision now or not, that's okay, is do you want me to look at trimming it down or wait to see what happens in a couple of months' time? I don't know. Look. Why can't we just trim it down now? And then if things change work wise and get... I'll get back in the financial sector in that sort of $1.60, $1.70 sort of salary. I can always call you back and and changing it. And then can we do that? Or Yeah. The only downside is going up. You... They ask you medical questions again. And if there's anything like... Let's say you trim it down, you do your shoulder, oh, here's an exclusion. I don't wanna leave it past May of next year. That's probably the latest I would leave it. Alright. Let's do that. Yep. Easy done. Last thing is we're trimming down our fees. So discounts for people above 200,000. Yep. Thank you. Just gonna That'll send you through help a a pack. bit. That'll drop it from 2 to 500,000 is one percentage drop then again after 500,000. So any any dollar that helps will keep it afloat until contributions roll back in Mhmm. Alright, man. pretty much. So penciling for the team to touch base to see if we need to do a compassionate claim, trim down the insurances around May time at least, Mhmm. Uh-huh. pivot the portfolio That'd be great. to be in line with the things, and trim down our fees, and that's pretty much my go for the next month.","start_word":902,"end_word":1239,"sentiment":"neutral","sentiment_score":0.021265819161777662},{"text":"Excellent. So... Awesome. Sounds good.","start_word":1240,"end_word":1244,"sentiment":"positive","sentiment_score":0.460024356842041},{"text":"I'm not gonna touch anything else in terms of goals, details. We'll leave it alone, and we'll just keep in touch with you. Yep. Oh, okay.","start_word":1245,"end_word":1270,"sentiment":"neutral","sentiment_score":0.24975478649139404},{"text":"Thank you. Awesome.","start_word":1271,"end_word":1273,"sentiment":"positive","sentiment_score":0.4680822491645813},{"text":"Any questions for me before I let you go? No. That's all.","start_word":1274,"end_word":1285,"sentiment":"neutral","sentiment_score":0.11719705164432526},{"text":"Thank you. Thanks. Easy done, Rob. I'll see you soon, and I'll email you now.","start_word":1286,"end_word":1300,"sentiment":"positive","sentiment_score":0.7030765414237976},{"text":"Bye. Alright, buddy. Bye.","start_word":1301,"end_word":1304,"sentiment":"neutral","sentiment_score":0.28748029470443726},{"text":"Thanks. Bye.","start_word":1305,"end_word":1306,"sentiment":"positive","sentiment_score":0.4792413413524628}],"average":{"sentiment":"neutral","sentiment_score":0.08586776691821356}}}}