{"metadata":{"transaction_key":"deprecated","request_id":"01a08564-bf13-76b2-9647-28a8d61ab6f9","sha256":"6068914839731ad1770722d3006202ca36725d4b10b9c4c36540523d6fc7443d","created":"2026-09-09T08:59:29.683Z","duration":1637.568,"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":6749,"output_tokens":98},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":7562,"output_tokens":7576},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":7562,"output_tokens":798}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Matthew. It's Zena from OQ Financial. How are you this afternoon? I'm very well. Thank you. I just had you booked in just to have a bit quick bit of a quick catch up, in relation to your advice document that I sent through earlier. Is now still a good time there for you? Yeah. Fantastic. Before I jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do a quick security check there for you, just to confirm your full name, your date of birth, and address I should have on file as well. Yep. Lovely. Thank you so much for that. I know you are really busy, so I figured sending that through to you and then having the presentation done by email essentially kind of outlines everything so you can read it in your own time. I figured that might be a lot easier for you there, and then we just have this catch up to sort of discuss what it is that's being recommended, what your thoughts are, see if you have any additional questions, and then you get to decide what you wanna do. How does that sound? Oh, that's okay. Yeah. No. That's okay. I saw that, and I thought, look. Maybe you're a workaholic, Mike. Me. I don't judge there. Don't worry in any way, shape, or form. But, no. Honestly, it's not a problem at all. But thank you so much for going through and having a look at that. I do appreciate it. I know one of the things that you sort of brought up for me was, obviously, the concern around around the expenses with regard to the the out of pocket portion. Yeah. Yeah. Yeah. Yeah. Yeah. Absolutely. Yeah. Yeah. Your heads up. Yeah. Abs absolutely. No. Completely understand. So the main thing that we sort of look at and all the different insurances, while they can overlap, do have specific triggers. So, like, normally, if you were to say have a car accident or motorcycle accident or you broke your back and couldn't go to work, that doesn't necessarily constitute a trauma a trauma diagnosis. So trauma wouldn't be claimable in that instance, and it's not quite for TPD. You'd still be going through, you know, seeking treatment and things like that, so it wouldn't really qualify for TPD upfront. So that's when you would qualify for income protection. So if you offer off work and at the moment with that hundred and four week waiting period, you would have to sort of wait that long and cover your expenses in the short term before you're able to submit the claim. So it is quite a longer waiting period there. If you were still off work after, say, you know, six or twelve months and your doctor said, hey. Look. You're never going back to work again. We can't keep, you know, trying to find a way to get you back, then they would agree to TPD. And in that instance, you could claim that total permanent disability. Because you've got the out of pocket policy as well as inside super, they would assess the any occupation inside super first. If you didn't meet that definition, then they assess the out of pocket policy at that point. But, realistically, you know, depending on what it is and what you do for work, if it was really serious, you know, you broke your back and could never go back to work again, then you would probably make that any definition. So but, yeah, it's more just about what triggers first. Normally, income protection is what is triggered first because you're still going through treatment, and income protection covers a portion of your income to help, you know, alleviate some expenditure and cover your bills in the short term whilst you're seeking treatment, trying to get back to work. And then if you then can't go back to work, then it triggers TBD after that point. Does that make sense? Yeah. Mhmm. Yeah. Yeah. Yeah. Yeah. Yeah. Absolutely. The other side of it is with those hardship provisions, to access hardship through your super, you have to be on Centrelink for twenty six weeks because they require what's called a q two thirty letter. So you'd have to be off work and on Centrelink receiving that for six months prior to you actually being able to claim. And that is that's quite a a condition to meet. That would be requiring you to not be able to work for six months and still having to be able to receive some sort of settling benefits, which are pretty minimal at this point in time. So that that is definitely increasing the risk level there for you. So I mean, with with the way that I've tried to sort of structure the income protection to alleviate that a little bit is to kind of whilst we're reducing the waiting period to thirty days, also reduce that benefit period back from age 65 to five years. Because, realistically, if you think about, you know, what could go wrong Exactly. Yeah. Definitely. No. Yeah. I can organize that. Yep. Yes. Mhmm. No. No. Definitely not. That they will just keep increasing. And one of the things we sort of want to look at with insurances is we tend to need to have a higher level of cover now. We pay down our mortgage as much as possible, get our super balance up even higher, and then we can start to decrease the cover. So, realistically, we should be able to decrease the cover over time. I'm absolutely happy to get that quote for you. I just need to let you know I'm away next week. So I will get my team to organize the quote, and I will get one of them to email that through to you to have a look at. It takes about five to seven days to come through from Chow. That's why, unfortunately, I couldn't have didn't quite get the quote done last time. I do apologize about that. But is that okay with you if we get the I'll organize that tomorrow from my team, and I'll get one of them to email through to you when they receive it next week. Is that okay? Yes. It still it still affects you. Yeah. Absolutely. Completely understand. And you've got kids and normal expenses and school and all the things going on. So Yeah. Yep. Yes. Yeah. Yep. It was. Yeah. Absolutely. No. That's okay. Yeah. Correct. Yep. Yep. Mhmm. Mhmm. Yeah. Mhmm. No. You're right. Yep. Yeah. Yeah. Yeah. Yeah. Mhmm. Yeah. Abs absolutely. Yeah. They have, unfortunately. Yeah. 50 nine six is in. Yep. All the taxes are happening. It's the thing. Yeah. No. Look. Honestly, it's a really valid question. And, essentially, you can't sort of stop contributions going into your account. Those employer contributions have to go into your super. That is mandated. With the projected outcome over the next ten years, we're okay. We're sitting at 1.6 currently with the projected outcome, and that is in that's if your super can get 11.11 every year. Realistically, you could be on track for that even if your super doesn't quite get it because you have a higher balance now, and more money makes more money. But what we can definitely look at doing is we can do things like spousal splitting. Essentially, that means that you're still contributing to your super, but at the end of each financial year, correct, we can transfer up to 85% of that year's contributions into your partner's into your wife's super, and that boosts up her super as well. We can definitely look at doing that every year, and I'm absolutely happy. Maybe the next annual review, we have a look at that. I would also wanna have a look at her super if that's something she'd be open to maybe looking at doing it together as a joint piece. And it I don't have to onboard her to do it, but it is honestly easy if we can look at her super and make sure it is working to its best of its ability as well. Otherwise, I'm just recommending to put money in. Yeah. Yep. Yeah. Yeah. Oh, that'll be ART. That'll be Australian Retirement Trust now. Yeah. Yeah. You're right. Yep. Yep. Yeah. Yeah. Yep. Yes. Yep. Yep. No. Yeah. With with the the debt, is that just like a an ACO tax debt, or are you now liable for, like, DIV two nine three? What does the account say about it? Alright. Right. Yep. Yep. Okay. What's the total income? How much does it look like it's gonna be? Okay. Yeah. Because if it's if it's triggering dev two two nine two two nine three tax, which is the tax that you pay, it's the extra 15% on super contributions and the additional tax that you pay for earning over 250,000. Speak to an accountant because it is if it's triggering div two nine three tax, you can elect to have that tax paid out of your super. Yeah. So that might alleviate a little bit of pressure, but make sure you go and speak to your accountant first, get them to run the numbers, and confirm if it's just, you know, you haven't paid enough tax, and there's just a normal ATO tax bill. Like, self employed people tend to get a tax bill instead of paying tax on a regular basis. But if it is related to DIV two nine three and it's because you've earned over 250,000 for the year, bring that up with the accountant because, essentially, you can elect for DIV two nine three. You can elect to have it paid out of your super fund. And as much as it's not always fun to take extra money out of super, it might just alleviate that little bit of pressure for you if you're able to do it that way and if it is DIV293. So that might be one thing to chat to an account in about to give you, hopefully, some good news. Yes. Yeah. Definitely. Absolutely. Yes. Yeah. Yeah. Yeah. Yeah. No. No. No. No. I understand that. We do that a a lot of that, unfortunately. No. But, look, I completely understand. And what what I would probably say first is we I I'll get those quotes organized for you. I'll organize my team to request them tomorrow. I'll get my admin team member, Caden, to email those through to you when he receives them next week. And then I'm technically on holidays for two weeks. So I'm back on the twenty eighth. What we can do is on the last page of that advice document, you do actually have a multiliner or a text box there. So if you just hold off for the moment on signing and sending it back, wait for that quote to come through, have a look at the quote, and then maybe let me know if you just wanna go ahead with the steady like, the income protection with the two year benefit period. In that box on the very last page, you just make a little note to say that, you know, alteration to advice is you wish to go ahead with income protection policy, thirty days waiting, two year benefit. As long as we have that on the last page, it allows us to alter the advice. It's just it's just an alteration that we can make sure we adhere to. And then when we go through the insurance side of things, we'll know that you're only gonna go with the quote that is thirty days waiting and two year benefit period, and then we'll just you know, it it kind of just an adjustment to the advice to make it easier on yourself. But it how we just understand that that's an alteration, and we'll just go ahead with that instead of what was recommended for you, if that makes sense. Yeah. Yeah. Yes. Mhmm. It could be. Yeah. It really depends on what it is. No. No. That's okay. Yeah. Of course. So, essentially, we go through an application form with you for the the changes that goes through to the underwriters. They'll obviously assess what you currently have on there. They'll have a look at what you do have disclosed already within the application. If there is anything that flags that they need to maybe seek more medical assistance on, they'll get you to sign an authority which allows them to request doctor's reports. They do sometimes also request maybe a nurse makes contact with you to come out and do some medicals. They might have what's called a MBA 20, which is like a mini check or something. And they come out and they take your height and their weight, and they check your breathing, and they basically do, like, a have a appointment with you where they just do this medical assessment, and that just goes back to them. If there is anything that flags, there could be an exclusion. There could be loadings. It really depends on what it is. Normally, they'll just if there's a preexisting condition, like a a knee or a back or something, they might just exclude that area. If it's, you know, to do with height and weight like BMI or it's to do with, you know, overall health, they can't can sometimes add a loading, which does make the policy more expensive. Sorry. Having a loading whilst the bill makes the policy more expensive means that you can claim for preexisting conditions, whereas an exclusion just excludes that preexisting condition completely. It just comes down to how the assessment is. But before it ever goes in force, the the underwriters come back with their decision. They speak to us, and then we come back and we decide, hey. Look. We're not happy with this. We'll fight it, and we'll tell you what's happening. Or if there's nothing that we haven't sort of seen I mean, from everything I can see, you're pretty healthy. I don't sort of expect much to come with that at the moment. But if there is anything that flags, we'll come back and have that conversation prior to putting it into force just so you're fully informed, and then you get the the to decide whether you're happy to proceed with that offer of cover or not, and we then we kinda go from there. Does that make sense? Yeah. Yeah. So I just like to, you know, prep everyone, let you know there are, the underwriters do assess everything medically. Anything that changes on your health from when the original application was enforced doesn't affect anything that's already enforced. And that's probably the good thing about increasing or altering a new a current policy is that at the moment, you do have that no. That's that's correct. So if they find that there is a back exclusion, so long as you didn't have that preexisting when you apply for the policy originally, that will only be put on the the increase of the policy. So anything new only affects the increased portion of the policy. It won't it won't affect the policy that was already held in place, and that's one benefit we have to retaining the cover and just increasing with the same provider for you. Yeah. Yeah. All good. So I'll get that quote done. Did you have any questions about any other parts of the recommendations, the super, or anything else there at all? I'm happy to answer anything you've got. Yeah. Yeah. Absolutely. Yeah. Definitely. I mean, realist yeah. I mean, realistically, starting that next review and maybe doing that over the course of the years might even bring your wife safer more in line with yours, which would be kind of really great. What we sort of hope to see at retirement, which doesn't often happen, is that you both have a fairly similar balance so you can kinda draw a pro rata out of those to cover, and it kind of sees it, you know, stay aligned and last a lot longer, whereas most people who retire at the moment have very different balances. You're drawing more out of one and less out of the other and, you know, trying to kinda keep them moving at the same sort of speed. But, yeah, look, because we don't I don't I don't really want you to kinda get to that $3,000,000 market. That as much as it's good to have $3,000,000 in super, it does mean there's extra taxes, and it's not indexed at all. And it does also continue if you're also in that pension phase too. So it's about that longevity aspect. So Yeah. Absolutely. And, realistically, up until you reach that agent, that lovely age of 60 and retire or 65, we can only do a few limited strategies, but they are definitely worth having a look at now. And, yeah, looking, you know, if it's if your wife doesn't have as healthy a balance, if it's not really invested the way yours is, we could always look to, you know, do joint advice together, onboard her, look at, you know, how contributing to your super and then splitting your contributions works and what that projects over time to sort of show you guys where this could end up and how it could benefit benefit both of you. Down the track when you do kinda get into that retirement phase as well, there's other things that we can do because we'll be able to draw money out of super. We're limited to that until you get to that retirement sort of phase and meet that condition of release. But when you get to that point, if your balance is still increasing quite heavily, we can always look to draw some money out and move it into other places. That way, it sort of shelters it from that additional tax as well. So there are definitely a lot of fun, cool strategies we can do. We're limited now, but there are still things that we can put in place to try and keep your balance, you know, not low, but, you know, look after it a bit. So yeah. Yeah. Yes. Yeah. Absolutely. Yeah. Absolutely. Yeah. And the income protection is the yeah. Absolutely. Definitely. That is the highest part of the the cost of your insurance. Unfortunately, income protection always costs the most out of all of them. So I'll start by getting that quote there for you. My team will email it through. I did email you this afternoon just kinda going through answering those questions for you as well and just kinda reiterating, you know, the risk factor and what we can do other strategy wise with the insurances. Did you get a chance to read through that or not yet? If you haven't, it's okay. Yeah. Yeah. Absolutely. Yep. Yeah. No. Absolutely. Not a problem. I've actually got a really good account we can refer you through to. I normally do, like, a a bit of a welcome email that introduces you to him and him to you. His name's Steve. He's fantastic. Are you comfortable if I do that introduction email? I'll probably do it first thing in the morning for you, which introduces you. And I provide him just some basic information for you and a bit of an idea of what you're after, and then he'll be in touch to book a time to meet you with an initial consultation and talk about what he can do and look at what you're after, and then he'll kinda go from there. Is that okay? Yep. Fantastic. I'll get that email done first thing in the morning for you. Not a problem at all. And, yeah, he's a great accountant. I think he's fantastic. He's a he's perfect. You wanna nerd in your accountant, then he is it. Steve is it. He is just so knowledgeable. Beautiful. Easy. Well, thank you so much. I'm glad you took some time to read the document. I'll try to I know you are very busy, so I can try to do as much as I can by email for you as well just to make it a lot easier. I've kind of sat down with our team and gone, hey. Look. Not everyone's available on the phone all the time, especially family and kids and work. So we worked up a few ways to do a lot more via email if that helps you out well. Okay. I see. Yeah. Not a not a problem at all, Matthew. Thank you so much for your time. I'll let you go to have a good night with the kids. I hope you have a restful evening and a good weekend ahead. No worries. Easy. I'll thank you so much. I'll get my team to focus on the email for you and make sure it comes out, And I'll also get that email done to the accountant's referral tomorrow for you as well. Okay? My pleasure. Have a lovely evening. Thank you so much for taking my call. Thanks. See you later. Bye.","confidence":0.9975586,"words":[{"word":"hi","start":2.56,"end":2.8799999,"confidence":0.9824219,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.0785059779882431},{"word":"matthew","start":2.8799999,"end":3.1999998,"confidence":0.9663086,"punctuated_word":"Matthew.","sentiment":"neutral","sentiment_score":0.09743807464838028},{"word":"it's","start":3.1999998,"end":3.36,"confidence":0.86621094,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.10438650101423264},{"word":"zena","start":3.36,"end":3.6799998,"confidence":0.4991455,"punctuated_word":"Zena","sentiment":"neutral","sentiment_score":0.1215255856513977},{"word":"from","start":3.6799998,"end":3.84,"confidence":0.96777344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.14025022089481354},{"word":"oq","start":3.84,"end":4.16,"confidence":0.65625,"punctuated_word":"OQ","sentiment":"neutral","sentiment_score":0.11189976334571838},{"word":"financial","start":4.16,"end":4.66,"confidence":0.99853516,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.12233062833547592},{"word":"how","start":4.7999997,"end":4.88,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.16215455532073977},{"word":"are","start":4.88,"end":5.04,"confidence":0.91748047,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.15893036127090454},{"word":"you","start":5.04,"end":5.2,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15160757303237915},{"word":"this","start":5.2,"end":5.44,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1572403907775879},{"word":"afternoon","start":5.44,"end":5.94,"confidence":1.0,"punctuated_word":"afternoon?","sentiment":"neutral","sentiment_score":0.1583319753408432},{"word":"i'm","start":7.68,"end":8.0,"confidence":0.9326172,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5932576656341553},{"word":"very","start":8.0,"end":8.24,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.6636378765106201},{"word":"well","start":8.24,"end":8.559999,"confidence":0.9975586,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.6619572639465332},{"word":"thank","start":8.559999,"end":8.88,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7557408809661865},{"word":"you","start":8.88,"end":9.12,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6912775039672852},{"word":"i","start":9.12,"end":9.28,"confidence":0.99316406,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3840007483959198},{"word":"just","start":9.28,"end":9.44,"confidence":0.99902344,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.37488824129104614},{"word":"had","start":9.44,"end":9.599999,"confidence":0.9633789,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.3929539918899536},{"word":"you","start":9.599999,"end":9.679999,"confidence":0.96777344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2835277318954468},{"word":"booked","start":9.679999,"end":9.92,"confidence":0.81396484,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.3120477497577667},{"word":"in","start":9.92,"end":10.08,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2783772349357605},{"word":"just","start":10.08,"end":10.24,"confidence":0.79248047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.27318423986434937},{"word":"to","start":10.24,"end":10.32,"confidence":0.91748047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1968373507261276},{"word":"have","start":10.32,"end":10.48,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21541371941566467},{"word":"a","start":10.48,"end":10.559999,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25063616037368774},{"word":"bit","start":10.559999,"end":10.719999,"confidence":0.9633789,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.26409220695495605},{"word":"quick","start":10.719999,"end":10.88,"confidence":0.61083984,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.27565741539001465},{"word":"bit","start":10.96,"end":11.12,"confidence":0.5493164,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2768382430076599},{"word":"of","start":11.12,"end":11.2,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.26691120862960815},{"word":"a","start":11.2,"end":11.28,"confidence":0.9760742,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27741575241088867},{"word":"quick","start":11.28,"end":11.5199995,"confidence":0.9941406,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.23894892632961273},{"word":"catch","start":11.5199995,"end":11.759999,"confidence":0.99902344,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.291107714176178},{"word":"up","start":11.759999,"end":11.92,"confidence":0.7487793,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.19860440492630005},{"word":"in","start":12.08,"end":12.32,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18700718879699707},{"word":"relation","start":12.32,"end":12.639999,"confidence":0.9980469,"punctuated_word":"relation","sentiment":"neutral","sentiment_score":0.2254333794116974},{"word":"to","start":12.639999,"end":12.719999,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26028972864151},{"word":"your","start":12.719999,"end":12.88,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2588199973106384},{"word":"advice","start":12.88,"end":13.2,"confidence":0.9472656,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.26790082454681396},{"word":"document","start":13.2,"end":13.599999,"confidence":0.99316406,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.23741327226161957},{"word":"that","start":13.599999,"end":13.759999,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23297065496444705},{"word":"i","start":13.759999,"end":13.92,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23391781747341156},{"word":"sent","start":13.92,"end":14.08,"confidence":0.99121094,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.22163155674934387},{"word":"through","start":14.08,"end":14.32,"confidence":0.9838867,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2387123107910156},{"word":"earlier","start":14.32,"end":14.639999,"confidence":0.9980469,"punctuated_word":"earlier.","sentiment":"neutral","sentiment_score":0.23137688636779785},{"word":"is","start":14.639999,"end":14.799999,"confidence":0.9970703,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.23019418120384216},{"word":"now","start":14.799999,"end":15.135,"confidence":0.99609375,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.23621825873851776},{"word":"still","start":15.135,"end":15.215,"confidence":0.89453125,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.22653162479400635},{"word":"a","start":15.215,"end":15.295,"confidence":0.9760742,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3130888342857361},{"word":"good","start":15.295,"end":15.535,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.30339792370796204},{"word":"time","start":15.535,"end":15.615,"confidence":0.9980469,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.356823593378067},{"word":"there","start":15.615,"end":15.8550005,"confidence":0.98291016,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3800821006298065},{"word":"for","start":15.8550005,"end":16.095,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.31411024928092957},{"word":"you","start":16.095,"end":16.595,"confidence":0.9995117,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.2584591805934906},{"word":"yeah","start":17.775,"end":18.275,"confidence":0.97021484,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.41776373982429504},{"word":"fantastic","start":18.415,"end":18.915,"confidence":0.99902344,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.6289213299751282},{"word":"before","start":19.375,"end":19.575,"confidence":0.70654297,"punctuated_word":"Before","sentiment":"neutral","sentiment_score":0.32964688539505005},{"word":"i","start":19.575,"end":19.775,"confidence":0.9838867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.25945374369621277},{"word":"jump","start":19.775,"end":20.015,"confidence":0.9980469,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.3158043920993805},{"word":"into","start":20.015,"end":20.135,"confidence":0.89501953,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.31689324975013733},{"word":"the","start":20.135,"end":20.255001,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.32489877939224243},{"word":"call","start":20.255001,"end":20.494999,"confidence":0.9794922,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":0.20549649000167847},{"word":"just","start":20.494999,"end":20.615,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2067401111125946},{"word":"to","start":20.615,"end":20.735,"confidence":0.87890625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19602930545806885},{"word":"let","start":20.735,"end":20.895,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2147168815135956},{"word":"you","start":20.895,"end":20.975,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2024013251066208},{"word":"know","start":20.975,"end":21.055,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2246781140565872},{"word":"we","start":21.055,"end":21.215,"confidence":0.52685547,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23230186104774475},{"word":"do","start":21.215,"end":21.375,"confidence":0.9941406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2639717161655426},{"word":"record","start":21.375,"end":21.695,"confidence":1.0,"punctuated_word":"record","sentiment":"neutral","sentiment_score":0.207841157913208},{"word":"our","start":21.695,"end":21.775,"confidence":0.99902344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.18858346343040464},{"word":"calls","start":21.775,"end":22.015,"confidence":0.97509766,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.21933959424495697},{"word":"for","start":22.015,"end":22.255001,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22583453357219696},{"word":"quality","start":22.255001,"end":22.494999,"confidence":0.9980469,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.1837477684020996},{"word":"and","start":22.494999,"end":22.655,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24781392514705655},{"word":"training","start":22.655,"end":23.055,"confidence":1.0,"punctuated_word":"training","sentiment":"neutral","sentiment_score":0.2184690833091736},{"word":"purposes","start":23.055,"end":23.555,"confidence":0.99560547,"punctuated_word":"purposes.","sentiment":"neutral","sentiment_score":0.2102883756160736},{"word":"are","start":23.615,"end":23.855,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.2128772735595703},{"word":"you","start":23.855,"end":24.015,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2557302713394165},{"word":"happy","start":24.015,"end":24.335,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.2188943922519684},{"word":"for","start":24.335,"end":24.494999,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.29624900221824646},{"word":"me","start":24.494999,"end":24.654999,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2723325192928314},{"word":"to","start":24.654999,"end":24.814999,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2588554620742798},{"word":"proceed","start":24.814999,"end":25.135,"confidence":1.0,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":0.25510019063949585},{"word":"with","start":25.135,"end":25.375,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2559005916118622},{"word":"that","start":25.375,"end":25.875,"confidence":0.9980469,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.2650858759880066},{"word":"fantastic","start":27.135,"end":27.615,"confidence":0.9975586,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.4294789731502533},{"word":"and","start":27.615,"end":27.775,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.18927891552448273},{"word":"just","start":27.775,"end":27.935,"confidence":0.95166016,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17747284471988678},{"word":"to","start":27.935,"end":28.015,"confidence":0.78466797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2458138167858124},{"word":"do","start":28.015,"end":28.175,"confidence":0.9941406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2609187066555023},{"word":"a","start":28.175,"end":28.307499,"confidence":0.9707031,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2781965732574463},{"word":"quick","start":28.307499,"end":28.44,"confidence":0.99902344,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.19012558460235596},{"word":"security","start":28.6,"end":28.92,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.1271822601556778},{"word":"check","start":28.92,"end":29.16,"confidence":0.9970703,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.19024984538555145},{"word":"there","start":29.16,"end":29.32,"confidence":0.96777344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.25676608085632324},{"word":"for","start":29.32,"end":29.4,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.23091301321983335},{"word":"you","start":29.4,"end":29.560001,"confidence":0.79296875,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.226616770029068},{"word":"just","start":29.560001,"end":29.720001,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.26122984290122986},{"word":"to","start":29.720001,"end":29.880001,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22535070776939392},{"word":"confirm","start":29.880001,"end":30.2,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.17435459792613983},{"word":"your","start":30.2,"end":30.44,"confidence":0.7529297,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1666972041130066},{"word":"full","start":30.44,"end":30.6,"confidence":1.0,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.19104737043380737},{"word":"name","start":30.6,"end":30.84,"confidence":0.99658203,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.17603689432144165},{"word":"your","start":30.84,"end":31.0,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1838945895433426},{"word":"date","start":31.0,"end":31.16,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.17106188833713531},{"word":"of","start":31.16,"end":31.24,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1771579086780548},{"word":"birth","start":31.24,"end":31.48,"confidence":0.97631836,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.19549231231212616},{"word":"and","start":31.48,"end":31.64,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22189892828464508},{"word":"address","start":31.64,"end":31.960001,"confidence":0.99902344,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.20695511996746063},{"word":"i","start":31.960001,"end":32.04,"confidence":0.90478516,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2555014491081238},{"word":"should","start":32.04,"end":32.28,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.29994410276412964},{"word":"have","start":32.28,"end":32.52,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.22088468074798584},{"word":"on","start":32.52,"end":32.6,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1628621220588684},{"word":"file","start":32.6,"end":32.920002,"confidence":1.0,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.2025812268257141},{"word":"as","start":32.920002,"end":33.0,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.253479540348053},{"word":"well","start":33.0,"end":33.5,"confidence":0.8684082,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.19401679933071136},{"word":"yep","start":35.96,"end":36.46,"confidence":0.7097168,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04699401557445526},{"word":"lovely","start":39.24,"end":39.74,"confidence":0.99658203,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.43878525495529175},{"word":"thank","start":39.8,"end":39.96,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5712633728981018},{"word":"you","start":39.96,"end":40.28,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.56524658203125},{"word":"so","start":40.28,"end":40.440002,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.5201667547225952},{"word":"much","start":40.440002,"end":40.760002,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.5673142075538635},{"word":"for","start":40.760002,"end":41.0,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5549338459968567},{"word":"that","start":41.0,"end":41.445,"confidence":1.0,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5486215353012085},{"word":"i","start":41.685,"end":41.845,"confidence":0.98095703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3040165901184082},{"word":"know","start":41.845,"end":41.925,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.206761434674263},{"word":"you","start":41.925,"end":42.165,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1997528076171875},{"word":"are","start":42.165,"end":42.485,"confidence":0.99121094,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.15678486227989197},{"word":"really","start":42.485,"end":42.725,"confidence":0.9951172,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.1289525330066681},{"word":"busy","start":42.725,"end":43.125,"confidence":0.8310547,"punctuated_word":"busy,","sentiment":"neutral","sentiment_score":0.1398583948612213},{"word":"so","start":43.125,"end":43.364998,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.15237976610660553},{"word":"i","start":43.364998,"end":43.525,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.191957488656044},{"word":"figured","start":43.525,"end":44.005,"confidence":0.9970703,"punctuated_word":"figured","sentiment":"neutral","sentiment_score":0.1818673312664032},{"word":"sending","start":44.005,"end":44.325,"confidence":0.6015625,"punctuated_word":"sending","sentiment":"neutral","sentiment_score":0.2381746768951416},{"word":"that","start":44.325,"end":44.565,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2354995608329773},{"word":"through","start":44.565,"end":44.885,"confidence":0.9970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.20712068676948547},{"word":"to","start":44.885,"end":44.965,"confidence":0.9838867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22065959870815277},{"word":"you","start":44.965,"end":45.204998,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2646150588989258},{"word":"and","start":45.204998,"end":45.364998,"confidence":0.9277344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.25478214025497437},{"word":"then","start":45.364998,"end":45.525,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2776776850223541},{"word":"having","start":45.525,"end":45.765,"confidence":0.99902344,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.28492385149002075},{"word":"the","start":45.765,"end":45.925,"confidence":0.88720703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29137060046195984},{"word":"presentation","start":45.925,"end":46.425,"confidence":1.0,"punctuated_word":"presentation","sentiment":"neutral","sentiment_score":0.21739350259304047},{"word":"done","start":46.565,"end":46.725,"confidence":0.9980469,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.2374914288520813},{"word":"by","start":46.725,"end":46.965,"confidence":0.99316406,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.3199593722820282},{"word":"email","start":46.965,"end":47.445,"confidence":0.99902344,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.310619592666626},{"word":"essentially","start":47.445,"end":47.945,"confidence":0.37719727,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.3044164478778839},{"word":"kind","start":48.165,"end":48.405,"confidence":0.9741211,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.3152562975883484},{"word":"of","start":48.405,"end":48.565,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3721486628055573},{"word":"outlines","start":48.565,"end":49.045,"confidence":0.96777344,"punctuated_word":"outlines","sentiment":"neutral","sentiment_score":0.3047158122062683},{"word":"everything","start":49.045,"end":49.445,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.33425116539001465},{"word":"so","start":49.445,"end":49.684998,"confidence":0.94140625,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.3219907581806183},{"word":"you","start":49.684998,"end":49.765,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3491317331790924},{"word":"can","start":49.765,"end":49.925,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.35059329867362976},{"word":"read","start":49.925,"end":50.165,"confidence":0.99609375,"punctuated_word":"read","sentiment":"positive","sentiment_score":0.35397377610206604},{"word":"it","start":50.165,"end":50.245,"confidence":0.984375,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3458593487739563},{"word":"in","start":50.245,"end":50.405,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3015211224555969},{"word":"your","start":50.405,"end":50.565,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.32167255878448486},{"word":"own","start":50.565,"end":50.725,"confidence":0.9980469,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.28197726607322693},{"word":"time","start":50.725,"end":50.965,"confidence":0.9658203,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.2677248418331146},{"word":"i","start":50.965,"end":51.045,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18349643051624295},{"word":"figured","start":51.045,"end":51.364998,"confidence":0.98535156,"punctuated_word":"figured","sentiment":"neutral","sentiment_score":0.2106150388717651},{"word":"that","start":51.364998,"end":51.525,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2043793648481369},{"word":"might","start":51.525,"end":51.684998,"confidence":0.99902344,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.2470646500587463},{"word":"be","start":51.684998,"end":52.165,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.25441843271255493},{"word":"a","start":52.165,"end":52.245,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2271018028259277},{"word":"lot","start":52.245,"end":52.485,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.3192931115627289},{"word":"easier","start":52.485,"end":52.965,"confidence":1.0,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.23991155624389648},{"word":"for","start":52.965,"end":53.125,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2533518075942993},{"word":"you","start":53.125,"end":53.285,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22321322560310364},{"word":"there","start":53.285,"end":53.525,"confidence":0.6779785,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.2570270895957947},{"word":"and","start":53.525,"end":53.684998,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2589794397354126},{"word":"then","start":53.684998,"end":53.845,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.24731121957302096},{"word":"we","start":53.845,"end":54.004997,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2628374397754669},{"word":"just","start":54.004997,"end":54.165,"confidence":0.9892578,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2735426425933838},{"word":"have","start":54.165,"end":54.405,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.29139506816864014},{"word":"this","start":54.405,"end":54.645,"confidence":0.99121094,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.25785747170448303},{"word":"catch","start":54.645,"end":54.885,"confidence":0.9970703,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.16784700751304626},{"word":"up","start":54.885,"end":55.045,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.15940073132514954},{"word":"to","start":55.045,"end":55.285,"confidence":0.97314453,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19602982699871063},{"word":"sort","start":55.285,"end":55.445,"confidence":0.99121094,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.20937354862689972},{"word":"of","start":55.445,"end":55.68,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1874237358570099},{"word":"discuss","start":55.920002,"end":56.4,"confidence":0.99902344,"punctuated_word":"discuss","sentiment":"neutral","sentiment_score":0.16549114882946014},{"word":"what","start":56.4,"end":56.64,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2204938679933548},{"word":"it","start":56.64,"end":56.8,"confidence":0.90771484,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22732743620872495},{"word":"is","start":56.8,"end":56.96,"confidence":0.96435547,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.19923177361488345},{"word":"that's","start":56.96,"end":57.2,"confidence":0.97143555,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.23094920814037323},{"word":"being","start":57.2,"end":57.44,"confidence":0.98535156,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.22568881511688232},{"word":"recommended","start":57.44,"end":57.920002,"confidence":0.9875488,"punctuated_word":"recommended,","sentiment":"neutral","sentiment_score":0.2542436122894287},{"word":"what","start":57.920002,"end":58.16,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2860524356365204},{"word":"your","start":58.16,"end":58.32,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19376328587532043},{"word":"thoughts","start":58.32,"end":58.64,"confidence":0.9667969,"punctuated_word":"thoughts","sentiment":"neutral","sentiment_score":0.16098514199256897},{"word":"are","start":58.64,"end":58.88,"confidence":0.98339844,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.2321459054946899},{"word":"see","start":58.88,"end":59.12,"confidence":0.9770508,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.27543747425079346},{"word":"if","start":59.12,"end":59.2,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.22726622223854065},{"word":"you","start":59.2,"end":59.28,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2398926168680191},{"word":"have","start":59.28,"end":59.44,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.19277332723140717},{"word":"any","start":59.44,"end":59.68,"confidence":0.9838867,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.17706230282783508},{"word":"additional","start":59.68,"end":60.0,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.14052894711494446},{"word":"questions","start":60.0,"end":60.48,"confidence":0.9567871,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.17761602997779846},{"word":"and","start":60.48,"end":60.64,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21231268346309665},{"word":"then","start":60.64,"end":60.88,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.22753497958183289},{"word":"you","start":60.88,"end":61.04,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2619117796421051},{"word":"get","start":61.04,"end":61.2,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.24371549487113953},{"word":"to","start":61.2,"end":61.44,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2322253584861755},{"word":"decide","start":61.44,"end":61.760002,"confidence":0.99902344,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.19310197234153748},{"word":"what","start":61.760002,"end":61.92,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.15657934546470642},{"word":"you","start":61.92,"end":62.08,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15947486460208893},{"word":"wanna","start":62.08,"end":62.4,"confidence":0.9921875,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.16302701830863953},{"word":"do","start":62.4,"end":62.56,"confidence":0.9970703,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.1436518430709839},{"word":"how","start":62.56,"end":62.72,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.11934275925159454},{"word":"does","start":62.72,"end":62.96,"confidence":0.99902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.1303262710571289},{"word":"that","start":62.96,"end":63.2,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19401021301746368},{"word":"sound","start":63.2,"end":63.7,"confidence":0.9975586,"punctuated_word":"sound?","sentiment":"neutral","sentiment_score":0.1680189073085785},{"word":"oh","start":67.36,"end":67.68,"confidence":0.99316406,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.11367204785346983},{"word":"that's","start":67.68,"end":68.0,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08992808312177658},{"word":"okay","start":68.0,"end":68.5,"confidence":0.99902344,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.07284767925739288},{"word":"yeah","start":79.935,"end":80.174995,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011873058043420317},{"word":"no","start":80.174995,"end":80.41499,"confidence":0.9838867,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.022117309272289276},{"word":"that's","start":80.41499,"end":80.655,"confidence":0.9941406,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.001298263669013977},{"word":"okay","start":80.655,"end":80.895,"confidence":0.8618164,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.002504134550690651},{"word":"i","start":80.895,"end":81.27,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.021477404981851574},{"word":"saw","start":81.27,"end":81.509995,"confidence":0.9970703,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":0.003779809921979904},{"word":"that","start":81.509995,"end":81.67,"confidence":0.8847656,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.012356508523225784},{"word":"and","start":81.67,"end":81.909996,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.006202418357133865},{"word":"i","start":81.909996,"end":82.149994,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.008565090596675873},{"word":"thought","start":82.149994,"end":82.46999,"confidence":0.9658203,"punctuated_word":"thought,","sentiment":"neutral","sentiment_score":-0.040560282766819},{"word":"look","start":82.46999,"end":82.869995,"confidence":0.8417969,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":-0.07491686940193176},{"word":"maybe","start":82.869995,"end":83.189995,"confidence":0.99902344,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":-0.14270944893360138},{"word":"you're","start":83.189995,"end":83.42999,"confidence":0.98657227,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.1341882050037384},{"word":"a","start":83.42999,"end":83.509995,"confidence":0.89208984,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1039840281009674},{"word":"workaholic","start":83.509995,"end":84.009995,"confidence":0.904541,"punctuated_word":"workaholic,","sentiment":"neutral","sentiment_score":-0.08005846291780472},{"word":"mike","start":84.229996,"end":84.549995,"confidence":0.55249023,"punctuated_word":"Mike.","sentiment":"neutral","sentiment_score":-0.04915522038936615},{"word":"me","start":84.549995,"end":84.78999,"confidence":0.798584,"punctuated_word":"Me.","sentiment":"neutral","sentiment_score":-0.01998807117342949},{"word":"i","start":84.78999,"end":84.869995,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04567740112543106},{"word":"don't","start":84.869995,"end":85.189995,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.03385448083281517},{"word":"judge","start":85.189995,"end":85.509995,"confidence":0.99902344,"punctuated_word":"judge","sentiment":"neutral","sentiment_score":-0.06702204048633575},{"word":"there","start":85.509995,"end":85.75,"confidence":0.8913574,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.023171188309788704},{"word":"don't","start":85.75,"end":86.07,"confidence":1.0,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":-0.006515046115964651},{"word":"worry","start":86.07,"end":86.39,"confidence":1.0,"punctuated_word":"worry","sentiment":"neutral","sentiment_score":-0.0006769187748432159},{"word":"in","start":86.39,"end":86.46999,"confidence":0.9873047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.009060356765985487},{"word":"any","start":86.46999,"end":86.71,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.018203653395175937},{"word":"way","start":86.71,"end":86.95,"confidence":0.96875,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.01444360800087452},{"word":"shape","start":86.95,"end":87.189995,"confidence":0.97509766,"punctuated_word":"shape,","sentiment":"neutral","sentiment_score":0.03644583374261856},{"word":"or","start":87.189995,"end":87.42999,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.01288718730211258},{"word":"form","start":87.42999,"end":87.75,"confidence":0.8725586,"punctuated_word":"form.","sentiment":"neutral","sentiment_score":0.052172206342220306},{"word":"but","start":87.75,"end":87.99,"confidence":0.8334961,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.02907413430511951},{"word":"no","start":87.99,"end":88.229996,"confidence":0.7734375,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":0.06149864196777344},{"word":"honestly","start":88.229996,"end":88.71,"confidence":0.99853516,"punctuated_word":"Honestly,","sentiment":"neutral","sentiment_score":0.15657773613929749},{"word":"it's","start":88.71,"end":88.869995,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.23476706445217133},{"word":"not","start":88.869995,"end":89.03,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.21973153948783877},{"word":"a","start":89.03,"end":89.189995,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27793022990226746},{"word":"problem","start":89.189995,"end":89.509995,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.23921267688274384},{"word":"at","start":89.509995,"end":89.59,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.321414589881897},{"word":"all","start":89.59,"end":89.75,"confidence":0.939209,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.32255953550338745},{"word":"but","start":89.75,"end":89.909996,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.2942008078098297},{"word":"thank","start":89.909996,"end":90.07,"confidence":1.0,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.4182978570461273},{"word":"you","start":90.07,"end":90.31,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.507513165473938},{"word":"so","start":90.31,"end":90.39,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.4548841714859009},{"word":"much","start":90.39,"end":90.63,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.5104439854621887},{"word":"for","start":90.63,"end":90.78999,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6095219850540161},{"word":"going","start":90.78999,"end":91.03,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.626030683517456},{"word":"through","start":91.03,"end":91.27,"confidence":0.984375,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.6497987508773804},{"word":"and","start":91.27,"end":91.35,"confidence":0.9941406,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6110254526138306},{"word":"having","start":91.35,"end":91.67,"confidence":1.0,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.5774374008178711},{"word":"a","start":91.67,"end":91.75,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5548597574234009},{"word":"look","start":91.75,"end":91.909996,"confidence":1.0,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.5971257090568542},{"word":"at","start":91.909996,"end":92.07,"confidence":0.9301758,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.5456711053848267},{"word":"that","start":92.07,"end":92.229996,"confidence":0.9980469,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5015136003494263},{"word":"i","start":92.229996,"end":92.31,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5426644682884216},{"word":"do","start":92.31,"end":92.549995,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.585827112197876},{"word":"appreciate","start":92.549995,"end":93.03,"confidence":1.0,"punctuated_word":"appreciate","sentiment":"positive","sentiment_score":0.4978049695491791},{"word":"it","start":93.03,"end":93.525,"confidence":0.9995117,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.0943414494395256},{"word":"i","start":94.085,"end":94.245,"confidence":0.96777344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05747043713927269},{"word":"know","start":94.245,"end":94.485,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.06644213199615479},{"word":"one","start":94.485,"end":94.645004,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.05618627369403839},{"word":"of","start":94.645004,"end":94.725,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.028901536017656326},{"word":"the","start":94.725,"end":94.805,"confidence":0.97509766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05598432570695877},{"word":"things","start":94.805,"end":95.045,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.06826558709144592},{"word":"that","start":95.045,"end":95.205,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.062326084822416306},{"word":"you","start":95.205,"end":95.365,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.038277819752693176},{"word":"sort","start":95.365,"end":95.525,"confidence":0.9863281,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.0831301361322403},{"word":"of","start":95.525,"end":95.685,"confidence":0.89990234,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05122476443648338},{"word":"brought","start":95.685,"end":95.925,"confidence":0.9902344,"punctuated_word":"brought","sentiment":"neutral","sentiment_score":-0.034001462161540985},{"word":"up","start":95.925,"end":96.085,"confidence":0.9580078,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.05013364925980568},{"word":"for","start":96.085,"end":96.245,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.05642931908369064},{"word":"me","start":96.245,"end":96.565,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.05050740763545036},{"word":"was","start":96.565,"end":96.885,"confidence":0.7807617,"punctuated_word":"was,","sentiment":"neutral","sentiment_score":-0.1057785302400589},{"word":"obviously","start":96.885,"end":97.285,"confidence":0.9995117,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.11453388631343842},{"word":"the","start":97.285,"end":97.445,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12539520859718323},{"word":"concern","start":97.445,"end":97.925,"confidence":0.9980469,"punctuated_word":"concern","sentiment":"neutral","sentiment_score":-0.15997782349586487},{"word":"around","start":97.925,"end":98.425,"confidence":0.9980469,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.15276771783828735},{"word":"around","start":98.565,"end":98.885,"confidence":0.55810547,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.16228988766670227},{"word":"the","start":98.885,"end":99.045,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19861175119876864},{"word":"expenses","start":99.045,"end":99.545,"confidence":1.0,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":-0.16568677127361298},{"word":"with","start":99.685,"end":99.925,"confidence":0.9892578,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.2080068737268448},{"word":"regard","start":99.925,"end":100.325005,"confidence":0.87158203,"punctuated_word":"regard","sentiment":"neutral","sentiment_score":-0.2069900929927826},{"word":"to","start":100.325005,"end":100.485,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1754802763462067},{"word":"the","start":100.485,"end":100.885,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1777481883764267},{"word":"the","start":100.885,"end":101.045,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22290456295013428},{"word":"out","start":101.045,"end":101.205,"confidence":0.9970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.1640784591436386},{"word":"of","start":101.205,"end":101.365,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2318786084651947},{"word":"pocket","start":101.365,"end":101.685,"confidence":0.99902344,"punctuated_word":"pocket","sentiment":"neutral","sentiment_score":-0.21411187946796417},{"word":"portion","start":101.685,"end":102.185,"confidence":1.0,"punctuated_word":"portion.","sentiment":"neutral","sentiment_score":-0.14088866114616394},{"word":"yeah","start":106.965004,"end":107.465004,"confidence":0.9904785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03611549735069275},{"word":"yeah","start":118.09,"end":118.59,"confidence":0.9641113,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09209607541561128},{"word":"yeah","start":118.89,"end":119.39,"confidence":0.6890869,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.009152619168162346},{"word":"yeah","start":128.575,"end":129.075,"confidence":0.95581055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.021573713049292564},{"word":"yeah","start":140.59001,"end":141.07,"confidence":0.9609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02895389683544636},{"word":"absolutely","start":141.07,"end":141.57,"confidence":0.99609375,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":-0.03146910294890404},{"word":"yeah","start":152.445,"end":152.945,"confidence":0.83569336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06756056845188141},{"word":"yeah","start":163.02,"end":163.34001,"confidence":0.91918945,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.015912078320980072},{"word":"your","start":163.34001,"end":163.58,"confidence":0.7607422,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":-0.0164434015750885},{"word":"heads","start":163.58,"end":163.90001,"confidence":0.625,"punctuated_word":"heads","sentiment":"neutral","sentiment_score":-0.029984012246131897},{"word":"up","start":163.90001,"end":164.06,"confidence":0.74975586,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.015022197738289831},{"word":"yeah","start":164.06,"end":164.38,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.031095722690224648},{"word":"abs","start":164.38,"end":164.70001,"confidence":0.5415039,"punctuated_word":"Abs","sentiment":"neutral","sentiment_score":-0.08697396516799927},{"word":"absolutely","start":165.66,"end":166.16,"confidence":0.98950195,"punctuated_word":"absolutely.","sentiment":"neutral","sentiment_score":0.052131444215774536},{"word":"no","start":166.3,"end":166.54001,"confidence":0.9970703,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.038488343358039856},{"word":"completely","start":166.54001,"end":167.02,"confidence":0.9482422,"punctuated_word":"Completely","sentiment":"neutral","sentiment_score":0.03439382091164589},{"word":"understand","start":167.02,"end":167.52,"confidence":0.99902344,"punctuated_word":"understand.","sentiment":"neutral","sentiment_score":-0.0369408018887043},{"word":"so","start":167.58,"end":167.98001,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.10207007825374605},{"word":"the","start":167.98001,"end":168.14,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0910266488790512},{"word":"main","start":168.14,"end":168.38,"confidence":0.99902344,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.07569995522499084},{"word":"thing","start":168.38,"end":168.54001,"confidence":0.9941406,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.04827716946601868},{"word":"that","start":168.54001,"end":168.70001,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07362030446529388},{"word":"we","start":168.70001,"end":168.86,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.06527461111545563},{"word":"sort","start":168.86,"end":169.02,"confidence":0.9873047,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.09591369330883026},{"word":"of","start":169.02,"end":169.18001,"confidence":0.5004883,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0866653323173523},{"word":"look","start":169.18001,"end":169.34001,"confidence":0.99609375,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.08679837733507156},{"word":"at","start":169.34001,"end":169.5,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0953224003314972},{"word":"and","start":169.5,"end":169.74,"confidence":0.4050293,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09899777173995972},{"word":"all","start":169.74,"end":169.98001,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.1083175092935562},{"word":"the","start":169.98001,"end":170.14,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11108528077602386},{"word":"different","start":170.14,"end":170.46,"confidence":0.99902344,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.11910900473594666},{"word":"insurances","start":170.46,"end":170.96,"confidence":0.9305013,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":-0.10799290239810944},{"word":"while","start":171.18001,"end":171.34001,"confidence":0.88134766,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.09110785275697708},{"word":"they","start":171.34001,"end":171.58,"confidence":0.9941406,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.1033356711268425},{"word":"can","start":171.58,"end":171.82,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.08975181728601456},{"word":"overlap","start":171.82,"end":172.32,"confidence":0.90356445,"punctuated_word":"overlap,","sentiment":"neutral","sentiment_score":-0.1022961437702179},{"word":"do","start":172.38,"end":172.62001,"confidence":0.8588867,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.09631520509719849},{"word":"have","start":172.62001,"end":172.905,"confidence":0.97998047,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0955423042178154},{"word":"specific","start":173.145,"end":173.465,"confidence":1.0,"punctuated_word":"specific","sentiment":"neutral","sentiment_score":-0.10586473345756532},{"word":"triggers","start":173.465,"end":173.965,"confidence":0.98706055,"punctuated_word":"triggers.","sentiment":"neutral","sentiment_score":-0.1248246282339096},{"word":"so","start":174.58499,"end":174.905,"confidence":0.8293457,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.08626002818346024},{"word":"like","start":174.905,"end":175.145,"confidence":0.9970703,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.08404242992401123},{"word":"normally","start":175.145,"end":175.625,"confidence":0.98339844,"punctuated_word":"normally,","sentiment":"neutral","sentiment_score":-0.08943386375904083},{"word":"if","start":175.625,"end":175.785,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.09433583170175552},{"word":"you","start":175.785,"end":175.94499,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11768753826618196},{"word":"were","start":175.94499,"end":176.105,"confidence":0.9453125,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.12105780094861984},{"word":"to","start":176.105,"end":176.265,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11152662336826324},{"word":"say","start":176.265,"end":176.505,"confidence":0.5751953,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.1163087710738182},{"word":"have","start":176.505,"end":176.665,"confidence":0.5629883,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.14038710296154022},{"word":"a","start":176.665,"end":176.825,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12861911952495575},{"word":"car","start":176.825,"end":177.145,"confidence":1.0,"punctuated_word":"car","sentiment":"neutral","sentiment_score":-0.12598125636577606},{"word":"accident","start":177.145,"end":177.545,"confidence":0.99902344,"punctuated_word":"accident","sentiment":"neutral","sentiment_score":-0.12337317317724228},{"word":"or","start":177.545,"end":177.785,"confidence":0.98291016,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1413848102092743},{"word":"motorcycle","start":177.785,"end":178.285,"confidence":0.63623047,"punctuated_word":"motorcycle","sentiment":"neutral","sentiment_score":-0.1450260579586029},{"word":"accident","start":178.345,"end":178.745,"confidence":0.9892578,"punctuated_word":"accident","sentiment":"neutral","sentiment_score":-0.11758705228567123},{"word":"or","start":178.745,"end":178.905,"confidence":0.8510742,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.16707149147987366},{"word":"you","start":178.905,"end":179.065,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.19173309206962583},{"word":"broke","start":179.065,"end":179.305,"confidence":0.9921875,"punctuated_word":"broke","sentiment":"neutral","sentiment_score":-0.18756356835365295},{"word":"your","start":179.305,"end":179.465,"confidence":0.9716797,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.20687322318553925},{"word":"back","start":179.465,"end":179.625,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.19819115102291107},{"word":"and","start":179.625,"end":179.785,"confidence":0.9111328,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2090392708778381},{"word":"couldn't","start":179.785,"end":180.105,"confidence":0.9604492,"punctuated_word":"couldn't","sentiment":"neutral","sentiment_score":-0.18050317466259003},{"word":"go","start":180.105,"end":180.265,"confidence":0.99609375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.19740724563598633},{"word":"to","start":180.265,"end":180.345,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1635323166847229},{"word":"work","start":180.345,"end":180.845,"confidence":0.99365234,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":-0.15714402496814728},{"word":"that","start":181.385,"end":181.625,"confidence":0.97509766,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1489429622888565},{"word":"doesn't","start":181.625,"end":182.125,"confidence":0.9995117,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.1296878159046173},{"word":"necessarily","start":182.345,"end":182.845,"confidence":0.9658203,"punctuated_word":"necessarily","sentiment":"neutral","sentiment_score":-0.12845003604888916},{"word":"constitute","start":183.385,"end":183.885,"confidence":0.9819336,"punctuated_word":"constitute","sentiment":"neutral","sentiment_score":-0.19135449826717377},{"word":"a","start":184.025,"end":184.185,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17577582597732544},{"word":"trauma","start":184.185,"end":184.685,"confidence":0.4885254,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.22831682860851288},{"word":"a","start":184.745,"end":184.825,"confidence":0.8989258,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17021715641021729},{"word":"trauma","start":184.825,"end":185.325,"confidence":0.99902344,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.23813283443450928},{"word":"diagnosis","start":185.865,"end":186.365,"confidence":0.98706055,"punctuated_word":"diagnosis.","sentiment":"neutral","sentiment_score":-0.12494008243083954},{"word":"so","start":186.85,"end":187.09,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1031021699309349},{"word":"trauma","start":187.09,"end":187.49,"confidence":0.99902344,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.17999455332756042},{"word":"wouldn't","start":187.49,"end":187.73,"confidence":1.0,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.25975877046585083},{"word":"be","start":187.73,"end":187.89,"confidence":0.99902344,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.335633248090744},{"word":"claimable","start":187.89,"end":188.37,"confidence":0.9980469,"punctuated_word":"claimable","sentiment":"neutral","sentiment_score":-0.27881669998168945},{"word":"in","start":188.37,"end":188.53,"confidence":0.95410156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.23245763778686523},{"word":"that","start":188.53,"end":188.69,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.23219463229179385},{"word":"instance","start":188.69,"end":189.19,"confidence":0.92163086,"punctuated_word":"instance,","sentiment":"neutral","sentiment_score":-0.22131825983524325},{"word":"and","start":189.41,"end":189.65001,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.21425840258598328},{"word":"it's","start":189.65001,"end":189.89,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.28802940249443054},{"word":"not","start":189.89,"end":190.13,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.3271995782852173},{"word":"quite","start":190.13,"end":190.63,"confidence":0.99902344,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.33146190643310547},{"word":"for","start":190.77,"end":190.93001,"confidence":0.9506836,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.30721718072891235},{"word":"tpd","start":190.93001,"end":191.43001,"confidence":0.9659831,"punctuated_word":"TPD.","sentiment":"neutral","sentiment_score":-0.3012208938598633},{"word":"you'd","start":191.49,"end":191.81,"confidence":0.99365234,"punctuated_word":"You'd","sentiment":"negative","sentiment_score":-0.34180790185928345},{"word":"still","start":191.81,"end":192.05,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.2997048795223236},{"word":"be","start":192.05,"end":192.13,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.31997886300086975},{"word":"going","start":192.13,"end":192.45,"confidence":1.0,"punctuated_word":"going","sentiment":"negative","sentiment_score":-0.34388846158981323},{"word":"through","start":192.45,"end":192.93001,"confidence":0.90063477,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":-0.31065693497657776},{"word":"you","start":192.93001,"end":193.01001,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.24454393982887268},{"word":"know","start":193.01001,"end":193.33,"confidence":0.9980469,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.2683123052120209},{"word":"seeking","start":193.33,"end":193.73,"confidence":0.99902344,"punctuated_word":"seeking","sentiment":"negative","sentiment_score":-0.3408810496330261},{"word":"treatment","start":193.73,"end":194.05,"confidence":1.0,"punctuated_word":"treatment","sentiment":"neutral","sentiment_score":-0.26594728231430054},{"word":"and","start":194.05,"end":194.21,"confidence":0.9140625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.24184150993824005},{"word":"things","start":194.21,"end":194.45,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.2134496867656708},{"word":"like","start":194.45,"end":194.53,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.19748778641223907},{"word":"that","start":194.53,"end":194.69,"confidence":0.751709,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.22602975368499756},{"word":"so","start":194.69,"end":194.85,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.23361113667488095},{"word":"it","start":194.85,"end":195.01001,"confidence":0.98535156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.3249024748802185},{"word":"wouldn't","start":195.01001,"end":195.25,"confidence":0.9995117,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.2927355170249939},{"word":"really","start":195.25,"end":195.57,"confidence":0.9951172,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.22845956683158877},{"word":"qualify","start":195.57,"end":196.05,"confidence":0.9970703,"punctuated_word":"qualify","sentiment":"neutral","sentiment_score":-0.23592281341552737},{"word":"for","start":196.05,"end":196.21,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1935774087905884},{"word":"tpd","start":196.21,"end":196.69,"confidence":0.99902344,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":-0.13440673053264618},{"word":"upfront","start":196.69,"end":197.17,"confidence":0.8972168,"punctuated_word":"upfront.","sentiment":"neutral","sentiment_score":-0.27166759967803955},{"word":"so","start":197.17,"end":197.33,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.11060307919979095},{"word":"that's","start":197.33,"end":197.57,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.13747373223304749},{"word":"when","start":197.57,"end":197.73,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.12661612033843994},{"word":"you","start":197.73,"end":197.89,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13945692777633667},{"word":"would","start":197.89,"end":198.13,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.12629950046539307},{"word":"qualify","start":198.13,"end":198.61,"confidence":1.0,"punctuated_word":"qualify","sentiment":"neutral","sentiment_score":-0.1258910596370697},{"word":"for","start":198.61,"end":198.77,"confidence":0.9941406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1351735144853592},{"word":"income","start":198.77,"end":199.17,"confidence":0.9951172,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.16050347685813904},{"word":"protection","start":199.17,"end":199.67,"confidence":0.9831543,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":-0.1216164603829384},{"word":"so","start":199.81,"end":200.295,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0914292186498642},{"word":"if","start":200.375,"end":200.535,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0713697150349617},{"word":"you","start":200.535,"end":200.69499,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08331349492073059},{"word":"offer","start":200.69499,"end":201.015,"confidence":0.609375,"punctuated_word":"offer","sentiment":"neutral","sentiment_score":-0.11072283983230592},{"word":"off","start":201.015,"end":201.255,"confidence":0.98291016,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.06622780859470367},{"word":"work","start":201.255,"end":201.415,"confidence":0.9892578,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.07377094030380249},{"word":"and","start":201.495,"end":201.655,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10539265722036362},{"word":"at","start":201.655,"end":201.815,"confidence":0.96533203,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.13369455933570862},{"word":"the","start":201.815,"end":201.895,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10156619548797607},{"word":"moment","start":201.895,"end":202.215,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.13841979205608368},{"word":"with","start":202.215,"end":202.375,"confidence":0.6616211,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.13276450335979462},{"word":"that","start":202.375,"end":202.615,"confidence":0.93847656,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13614670932292938},{"word":"hundred","start":202.615,"end":202.855,"confidence":0.9873047,"punctuated_word":"hundred","sentiment":"neutral","sentiment_score":-0.13652731478214264},{"word":"and","start":202.855,"end":203.015,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.15972602367401123},{"word":"four","start":203.015,"end":203.515,"confidence":0.99902344,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.11566802859306335},{"word":"week","start":203.575,"end":203.97499,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":-0.11355647444725037},{"word":"waiting","start":203.97499,"end":204.455,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":-0.07312216609716415},{"word":"period","start":204.455,"end":204.955,"confidence":0.9970703,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":-0.16560733318328855},{"word":"you","start":205.175,"end":205.33499,"confidence":0.6870117,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2276286631822586},{"word":"would","start":205.33499,"end":205.495,"confidence":0.85498047,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.26287779211997986},{"word":"have","start":205.495,"end":205.655,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.24228960275650024},{"word":"to","start":205.655,"end":205.815,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.21267348527908325},{"word":"sort","start":205.815,"end":206.055,"confidence":0.98095703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.253978967666626},{"word":"of","start":206.055,"end":206.135,"confidence":0.90478516,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.28290119767189026},{"word":"wait","start":206.135,"end":206.455,"confidence":1.0,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":-0.1926029473543167},{"word":"that","start":206.455,"end":206.69499,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2419469952583313},{"word":"long","start":206.69499,"end":207.015,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.2856101095676422},{"word":"and","start":207.015,"end":207.175,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.25552278757095337},{"word":"cover","start":207.175,"end":207.415,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.1875673532485962},{"word":"your","start":207.415,"end":207.655,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1758725643157959},{"word":"expenses","start":207.655,"end":208.135,"confidence":1.0,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":-0.10543739050626756},{"word":"in","start":208.135,"end":208.295,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.17997711896896362},{"word":"the","start":208.295,"end":208.455,"confidence":0.9658203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13906127214431763},{"word":"short","start":208.455,"end":208.69499,"confidence":1.0,"punctuated_word":"short","sentiment":"neutral","sentiment_score":-0.06631923466920853},{"word":"term","start":208.69499,"end":208.935,"confidence":0.99316406,"punctuated_word":"term","sentiment":"neutral","sentiment_score":-0.08788087218999863},{"word":"before","start":208.935,"end":209.255,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.1727508306503296},{"word":"you're","start":209.255,"end":209.495,"confidence":0.9890137,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.12552011013031006},{"word":"able","start":209.495,"end":209.735,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.07928863167762756},{"word":"to","start":209.735,"end":209.815,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10262203216552734},{"word":"submit","start":209.815,"end":210.215,"confidence":1.0,"punctuated_word":"submit","sentiment":"neutral","sentiment_score":-0.08597222715616226},{"word":"the","start":210.215,"end":210.375,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0878654420375824},{"word":"claim","start":210.375,"end":210.875,"confidence":0.88061523,"punctuated_word":"claim.","sentiment":"neutral","sentiment_score":-0.03417534753680229},{"word":"so","start":211.415,"end":211.655,"confidence":0.94140625,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.18579745292663577},{"word":"it","start":211.655,"end":211.815,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.23456820845603943},{"word":"is","start":211.815,"end":212.055,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2839970588684082},{"word":"quite","start":212.055,"end":212.295,"confidence":1.0,"punctuated_word":"quite","sentiment":"negative","sentiment_score":-0.3754323422908783},{"word":"a","start":212.295,"end":212.375,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3129239082336426},{"word":"longer","start":212.375,"end":212.775,"confidence":0.9921875,"punctuated_word":"longer","sentiment":"negative","sentiment_score":-0.35850057005882263},{"word":"waiting","start":212.775,"end":213.175,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":-0.31771302223205566},{"word":"period","start":213.175,"end":213.575,"confidence":1.0,"punctuated_word":"period","sentiment":"negative","sentiment_score":-0.39041298627853394},{"word":"there","start":213.575,"end":214.075,"confidence":0.99902344,"punctuated_word":"there.","sentiment":"negative","sentiment_score":-0.3611004650592804},{"word":"if","start":214.62,"end":214.86,"confidence":0.98828125,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.32725369930267334},{"word":"you","start":214.86,"end":215.02,"confidence":0.9970703,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.3580652177333832},{"word":"were","start":215.02,"end":215.26,"confidence":0.8491211,"punctuated_word":"were","sentiment":"negative","sentiment_score":-0.343193382024765},{"word":"still","start":215.26,"end":215.66,"confidence":1.0,"punctuated_word":"still","sentiment":"negative","sentiment_score":-0.4369097352027893},{"word":"off","start":215.66,"end":215.98,"confidence":0.9921875,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.3238719701766968},{"word":"work","start":215.98,"end":216.38,"confidence":0.99902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.28117239475250244},{"word":"after","start":216.38,"end":216.88,"confidence":0.9206543,"punctuated_word":"after,","sentiment":"neutral","sentiment_score":-0.3076673746109009},{"word":"say","start":216.94,"end":217.34,"confidence":0.9970703,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.30482789874076843},{"word":"you","start":217.34,"end":217.5,"confidence":0.9951172,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.3565421998500824},{"word":"know","start":217.5,"end":217.81999,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"negative","sentiment_score":-0.3460349142551422},{"word":"six","start":217.81999,"end":218.06,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.28694599866867065},{"word":"or","start":218.06,"end":218.22,"confidence":0.9902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.33064305782318115},{"word":"twelve","start":218.22,"end":218.38,"confidence":1.0,"punctuated_word":"twelve","sentiment":"negative","sentiment_score":-0.3484489917755127},{"word":"months","start":218.38,"end":218.7,"confidence":0.99902344,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.29972076416015625},{"word":"and","start":218.7,"end":218.78,"confidence":0.70166016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.22171112895011905},{"word":"your","start":218.78,"end":218.94,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.25904250144958496},{"word":"doctor","start":218.94,"end":219.26,"confidence":0.94384766,"punctuated_word":"doctor","sentiment":"neutral","sentiment_score":-0.29889750480651855},{"word":"said","start":219.26,"end":219.5,"confidence":0.9921875,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.1830337196588516},{"word":"hey","start":219.5,"end":219.74,"confidence":0.967041,"punctuated_word":"hey.","sentiment":"neutral","sentiment_score":-0.27945956587791443},{"word":"look","start":219.74,"end":219.98,"confidence":0.9460449,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":-0.32694512605667114},{"word":"you're","start":219.98,"end":220.22,"confidence":0.99658203,"punctuated_word":"You're","sentiment":"negative","sentiment_score":-0.5316116213798523},{"word":"never","start":220.22,"end":220.54,"confidence":1.0,"punctuated_word":"never","sentiment":"negative","sentiment_score":-0.5550419092178345},{"word":"going","start":220.54,"end":220.78,"confidence":1.0,"punctuated_word":"going","sentiment":"negative","sentiment_score":-0.529025137424469},{"word":"back","start":220.78,"end":220.94,"confidence":0.99902344,"punctuated_word":"back","sentiment":"negative","sentiment_score":-0.4666605293750763},{"word":"to","start":220.94,"end":221.1,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.46840256452560425},{"word":"work","start":221.1,"end":221.42,"confidence":1.0,"punctuated_word":"work","sentiment":"negative","sentiment_score":-0.4728737473487854},{"word":"again","start":221.42,"end":221.74,"confidence":0.99316406,"punctuated_word":"again.","sentiment":"negative","sentiment_score":-0.501291811466217},{"word":"we","start":221.74,"end":222.06,"confidence":1.0,"punctuated_word":"We","sentiment":"negative","sentiment_score":-0.48601436614990234},{"word":"can't","start":222.06,"end":222.38,"confidence":1.0,"punctuated_word":"can't","sentiment":"negative","sentiment_score":-0.5181750059127808},{"word":"keep","start":222.38,"end":222.78,"confidence":0.99658203,"punctuated_word":"keep,","sentiment":"negative","sentiment_score":-0.48079800605773926},{"word":"you","start":222.78,"end":222.94,"confidence":0.99902344,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.44499653577804565},{"word":"know","start":222.94,"end":223.26,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"negative","sentiment_score":-0.5305181741714478},{"word":"trying","start":223.26,"end":223.42,"confidence":0.99609375,"punctuated_word":"trying","sentiment":"negative","sentiment_score":-0.4819692373275757},{"word":"to","start":223.42,"end":223.58,"confidence":0.9980469,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.47377675771713257},{"word":"find","start":223.58,"end":223.81999,"confidence":1.0,"punctuated_word":"find","sentiment":"negative","sentiment_score":-0.5315347909927368},{"word":"a","start":223.81999,"end":223.9,"confidence":0.99609375,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.42294734716415405},{"word":"way","start":223.9,"end":224.14,"confidence":1.0,"punctuated_word":"way","sentiment":"negative","sentiment_score":-0.4023199677467346},{"word":"to","start":224.14,"end":224.22,"confidence":0.9980469,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3957769572734833},{"word":"get","start":224.22,"end":224.38,"confidence":0.99902344,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.4044362604618073},{"word":"you","start":224.38,"end":224.54,"confidence":0.9980469,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.430210679769516},{"word":"back","start":224.54,"end":225.04,"confidence":0.8190918,"punctuated_word":"back,","sentiment":"neutral","sentiment_score":-0.3277375102043152},{"word":"then","start":225.26,"end":225.5,"confidence":0.8769531,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.17102733254432678},{"word":"they","start":225.5,"end":225.66,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.15586072206497192},{"word":"would","start":225.66,"end":225.9,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.1188102588057518},{"word":"agree","start":225.9,"end":226.18,"confidence":0.9667969,"punctuated_word":"agree","sentiment":"neutral","sentiment_score":-0.15525543689727783},{"word":"to","start":226.18,"end":226.45999,"confidence":0.96875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12078790366649628},{"word":"tpd","start":226.45999,"end":226.95999,"confidence":0.9112956,"punctuated_word":"TPD.","sentiment":"neutral","sentiment_score":-0.10099013894796371},{"word":"and","start":227.02,"end":227.18,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.06616377830505371},{"word":"in","start":227.18,"end":227.34,"confidence":0.9760742,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04113958775997162},{"word":"that","start":227.34,"end":227.5,"confidence":0.9873047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.047831468284130096},{"word":"instance","start":227.5,"end":227.9,"confidence":0.9946289,"punctuated_word":"instance,","sentiment":"neutral","sentiment_score":-0.06110845133662224},{"word":"you","start":227.9,"end":228.06,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.035947784781455994},{"word":"could","start":228.06,"end":228.345,"confidence":0.99316406,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.048869140446186066},{"word":"claim","start":228.345,"end":228.585,"confidence":0.9536133,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.02797737717628479},{"word":"that","start":228.585,"end":228.745,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11332227289676666},{"word":"total","start":228.745,"end":228.985,"confidence":0.9819336,"punctuated_word":"total","sentiment":"neutral","sentiment_score":-0.12604066729545593},{"word":"permanent","start":228.985,"end":229.485,"confidence":0.7133789,"punctuated_word":"permanent","sentiment":"neutral","sentiment_score":-0.0700189620256424},{"word":"disability","start":229.545,"end":230.045,"confidence":0.7314453,"punctuated_word":"disability.","sentiment":"neutral","sentiment_score":-0.1360964477062225},{"word":"because","start":230.585,"end":230.905,"confidence":0.9970703,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.12875831127166748},{"word":"you've","start":230.905,"end":231.145,"confidence":0.99853516,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.12813639640808103},{"word":"got","start":231.145,"end":231.30501,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.09744929522275925},{"word":"the","start":231.30501,"end":231.465,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13182690739631653},{"word":"out","start":231.465,"end":231.545,"confidence":0.9951172,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.07861686497926712},{"word":"of","start":231.545,"end":231.705,"confidence":0.99121094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1267833113670349},{"word":"pocket","start":231.705,"end":232.185,"confidence":1.0,"punctuated_word":"pocket","sentiment":"neutral","sentiment_score":-0.14274001121520996},{"word":"policy","start":232.185,"end":232.585,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.12866094708442688},{"word":"as","start":232.585,"end":232.745,"confidence":0.9633789,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0626273825764656},{"word":"well","start":232.745,"end":232.985,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.060669541358947754},{"word":"as","start":232.985,"end":233.145,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0703987181186676},{"word":"inside","start":233.145,"end":233.545,"confidence":0.6699219,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":-0.09431560337543488},{"word":"super","start":233.545,"end":233.865,"confidence":0.8664551,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":-0.028439965099096295},{"word":"they","start":233.865,"end":234.025,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.02221757173538208},{"word":"would","start":234.025,"end":234.265,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.016266904771327972},{"word":"assess","start":234.265,"end":234.585,"confidence":0.9873047,"punctuated_word":"assess","sentiment":"neutral","sentiment_score":-0.05061058700084686},{"word":"the","start":234.585,"end":234.745,"confidence":0.9277344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09447931498289108},{"word":"any","start":234.825,"end":235.065,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.09284146875143053},{"word":"occupation","start":235.065,"end":235.565,"confidence":0.99902344,"punctuated_word":"occupation","sentiment":"neutral","sentiment_score":-0.09902812540531158},{"word":"inside","start":235.625,"end":236.105,"confidence":0.9970703,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":-0.1270870566368103},{"word":"super","start":236.105,"end":236.505,"confidence":0.9819336,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.07516078650951385},{"word":"first","start":236.505,"end":237.005,"confidence":0.97680664,"punctuated_word":"first.","sentiment":"neutral","sentiment_score":-0.12823449075222015},{"word":"if","start":237.145,"end":237.30501,"confidence":0.9980469,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.21080650389194489},{"word":"you","start":237.30501,"end":237.545,"confidence":0.9873047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.218190997838974},{"word":"didn't","start":237.545,"end":237.785,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.23875896632671356},{"word":"meet","start":237.785,"end":238.105,"confidence":0.9140625,"punctuated_word":"meet","sentiment":"neutral","sentiment_score":-0.18680579960346225},{"word":"that","start":238.105,"end":238.345,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.18533092737197876},{"word":"definition","start":238.345,"end":238.845,"confidence":0.9914551,"punctuated_word":"definition,","sentiment":"neutral","sentiment_score":-0.3081705570220947},{"word":"then","start":238.905,"end":239.065,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.1774311363697052},{"word":"they","start":239.065,"end":239.30501,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.1214434802532196},{"word":"assess","start":239.30501,"end":239.625,"confidence":0.9326172,"punctuated_word":"assess","sentiment":"neutral","sentiment_score":-0.1804172545671463},{"word":"the","start":239.625,"end":239.785,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22504772245883944},{"word":"out","start":239.785,"end":239.945,"confidence":0.9970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.109810471534729},{"word":"of","start":239.945,"end":240.105,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.21641087532043457},{"word":"pocket","start":240.105,"end":240.425,"confidence":0.99902344,"punctuated_word":"pocket","sentiment":"neutral","sentiment_score":-0.24022528529167175},{"word":"policy","start":240.425,"end":240.925,"confidence":0.6430664,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.2523893713951111},{"word":"at","start":241.145,"end":241.30501,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.24374251067638397},{"word":"that","start":241.30501,"end":241.545,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2367982268333435},{"word":"point","start":241.545,"end":242.04,"confidence":0.9785156,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":-0.2091016173362732},{"word":"but","start":242.43999,"end":242.59999,"confidence":0.9016113,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.16955195367336273},{"word":"realistically","start":242.59999,"end":243.09999,"confidence":1.0,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":-0.2107308804988861},{"word":"you","start":243.23999,"end":243.4,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2030390501022339},{"word":"know","start":243.4,"end":243.56,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.2116149365901947},{"word":"depending","start":243.56,"end":243.95999,"confidence":1.0,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":-0.13808804750442505},{"word":"on","start":243.95999,"end":244.04,"confidence":0.99316406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.1774807870388031},{"word":"what","start":244.04,"end":244.2,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.2224084734916687},{"word":"it","start":244.2,"end":244.36,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.23785756528377533},{"word":"is","start":244.36,"end":244.51999,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.22411590814590457},{"word":"and","start":244.51999,"end":244.59999,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1265227347612381},{"word":"what","start":244.59999,"end":244.76,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.20544081926345825},{"word":"you","start":244.76,"end":244.92,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12398511916399002},{"word":"do","start":244.92,"end":245.15999,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.19254161417484283},{"word":"for","start":245.15999,"end":245.31999,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.2299368232488632},{"word":"work","start":245.31999,"end":245.64,"confidence":0.98657227,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":-0.19275665283203125},{"word":"if","start":245.64,"end":245.79999,"confidence":0.9760742,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.34869059920310974},{"word":"it","start":245.79999,"end":245.87999,"confidence":0.9941406,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.4610146880149842},{"word":"was","start":245.87999,"end":246.2,"confidence":0.9970703,"punctuated_word":"was","sentiment":"negative","sentiment_score":-0.4504771232604981},{"word":"really","start":246.2,"end":246.43999,"confidence":1.0,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.49178001284599304},{"word":"serious","start":246.43999,"end":246.93999,"confidence":0.9946289,"punctuated_word":"serious,","sentiment":"negative","sentiment_score":-0.4768291115760803},{"word":"you","start":247.56,"end":247.64,"confidence":0.9716797,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.49411043524742126},{"word":"know","start":247.64,"end":247.71999,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"negative","sentiment_score":-0.49092209339141846},{"word":"you","start":247.71999,"end":247.87999,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.5468871593475342},{"word":"broke","start":247.87999,"end":248.12,"confidence":0.99121094,"punctuated_word":"broke","sentiment":"negative","sentiment_score":-0.5886542201042175},{"word":"your","start":248.12,"end":248.28,"confidence":0.99316406,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.643303632736206},{"word":"back","start":248.28,"end":248.51999,"confidence":1.0,"punctuated_word":"back","sentiment":"negative","sentiment_score":-0.5160385370254517},{"word":"and","start":248.51999,"end":248.92,"confidence":0.9902344,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.5373086333274841},{"word":"could","start":248.92,"end":249.07999,"confidence":0.9580078,"punctuated_word":"could","sentiment":"negative","sentiment_score":-0.6467804908752441},{"word":"never","start":249.07999,"end":249.31999,"confidence":1.0,"punctuated_word":"never","sentiment":"negative","sentiment_score":-0.5572677850723267},{"word":"go","start":249.31999,"end":249.48,"confidence":0.9589844,"punctuated_word":"go","sentiment":"negative","sentiment_score":-0.5650372505187988},{"word":"back","start":249.48,"end":249.64,"confidence":0.99902344,"punctuated_word":"back","sentiment":"negative","sentiment_score":-0.4921711385250091},{"word":"to","start":249.64,"end":249.71999,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.495320588350296},{"word":"work","start":249.71999,"end":250.04,"confidence":1.0,"punctuated_word":"work","sentiment":"negative","sentiment_score":-0.48385554552078247},{"word":"again","start":250.04,"end":250.35999,"confidence":0.9970703,"punctuated_word":"again,","sentiment":"negative","sentiment_score":-0.5209529399871826},{"word":"then","start":250.35999,"end":250.59999,"confidence":1.0,"punctuated_word":"then","sentiment":"negative","sentiment_score":-0.33460599184036255},{"word":"you","start":250.59999,"end":250.76,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.4095799028873443},{"word":"would","start":250.76,"end":250.92,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.291934072971344},{"word":"probably","start":250.92,"end":251.31999,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.270428866147995},{"word":"make","start":251.31999,"end":251.48,"confidence":0.7480469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.32829737663269043},{"word":"that","start":251.48,"end":251.64,"confidence":0.99902344,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3540440797805786},{"word":"any","start":251.64,"end":251.95999,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.3200191855430603},{"word":"definition","start":251.95999,"end":252.45999,"confidence":0.96875,"punctuated_word":"definition.","sentiment":"negative","sentiment_score":-0.3344576060771942},{"word":"so","start":252.68,"end":253.18,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.12414176762104034},{"word":"but","start":253.48,"end":253.64,"confidence":0.9602051,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.094851516187191},{"word":"yeah","start":253.64,"end":253.87999,"confidence":0.9916992,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.07416241616010666},{"word":"it's","start":253.87999,"end":254.12,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.11285700649023056},{"word":"more","start":254.12,"end":254.28,"confidence":0.9970703,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.13613352179527283},{"word":"just","start":254.28,"end":254.51999,"confidence":0.9760742,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1310989409685135},{"word":"about","start":254.51999,"end":254.76,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.13826905190944672},{"word":"what","start":254.76,"end":254.92,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.06413909792900085},{"word":"triggers","start":254.92,"end":255.4,"confidence":1.0,"punctuated_word":"triggers","sentiment":"neutral","sentiment_score":-0.10699696838855743},{"word":"first","start":255.4,"end":255.71999,"confidence":0.89624023,"punctuated_word":"first.","sentiment":"neutral","sentiment_score":-0.0991579443216324},{"word":"normally","start":255.71999,"end":256.12,"confidence":0.99609375,"punctuated_word":"Normally,","sentiment":"neutral","sentiment_score":-0.04112667217850685},{"word":"income","start":256.12,"end":256.44,"confidence":0.9970703,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.1453932225704193},{"word":"protection","start":256.44,"end":256.91998,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.11215299367904664},{"word":"is","start":256.91998,"end":257.08,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05950947850942612},{"word":"what","start":257.08,"end":257.24,"confidence":0.9941406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.06930210441350937},{"word":"is","start":257.24,"end":257.475,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04601338505744934},{"word":"triggered","start":257.475,"end":257.875,"confidence":0.9980469,"punctuated_word":"triggered","sentiment":"neutral","sentiment_score":-0.0548570454120636},{"word":"first","start":257.875,"end":257.95502,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.0967990830540657},{"word":"because","start":257.95502,"end":258.435,"confidence":0.93408203,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.05074184387922287},{"word":"you're","start":258.435,"end":258.595,"confidence":0.9980469,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.09467977285385132},{"word":"still","start":258.595,"end":258.835,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.1159980446100235},{"word":"going","start":258.835,"end":259.075,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.14395523071289062},{"word":"through","start":259.075,"end":259.39502,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.16497358679771423},{"word":"treatment","start":259.39502,"end":259.89502,"confidence":0.8347168,"punctuated_word":"treatment,","sentiment":"neutral","sentiment_score":-0.09855689853429794},{"word":"and","start":260.11502,"end":260.435,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02847766131162643},{"word":"income","start":260.435,"end":260.935,"confidence":0.9980469,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.06706337630748749},{"word":"protection","start":260.995,"end":261.495,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.016230374574661255},{"word":"covers","start":262.035,"end":262.355,"confidence":0.99609375,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":-0.024168603122234344},{"word":"a","start":262.355,"end":262.515,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.016939587891101837},{"word":"portion","start":262.515,"end":262.835,"confidence":1.0,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":0.04601111263036728},{"word":"of","start":262.835,"end":262.995,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02716803550720215},{"word":"your","start":262.995,"end":263.23502,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.003085404634475708},{"word":"income","start":263.23502,"end":263.635,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.0027703791856765747},{"word":"to","start":263.635,"end":263.875,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07082261890172958},{"word":"help","start":263.875,"end":264.195,"confidence":0.9904785,"punctuated_word":"help,","sentiment":"neutral","sentiment_score":0.06348223984241486},{"word":"you","start":264.195,"end":264.275,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01621684432029724},{"word":"know","start":264.275,"end":264.775,"confidence":0.9951172,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.05023839324712753},{"word":"alleviate","start":265.075,"end":265.575,"confidence":0.9980469,"punctuated_word":"alleviate","sentiment":"neutral","sentiment_score":0.08292578160762787},{"word":"some","start":265.715,"end":266.035,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.046024397015571594},{"word":"expenditure","start":266.035,"end":266.535,"confidence":0.99902344,"punctuated_word":"expenditure","sentiment":"neutral","sentiment_score":-0.04520539939403534},{"word":"and","start":267.39502,"end":267.555,"confidence":0.6464844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.028864532709121704},{"word":"cover","start":267.555,"end":267.875,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.019913017749786377},{"word":"your","start":267.875,"end":268.115,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03435106575489044},{"word":"bills","start":268.115,"end":268.435,"confidence":1.0,"punctuated_word":"bills","sentiment":"neutral","sentiment_score":-0.052378445863723755},{"word":"in","start":268.435,"end":268.595,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0189780592918396},{"word":"the","start":268.595,"end":268.755,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07174399495124817},{"word":"short","start":268.755,"end":268.995,"confidence":1.0,"punctuated_word":"short","sentiment":"neutral","sentiment_score":-0.0005530416965484619},{"word":"term","start":268.995,"end":269.315,"confidence":0.9980469,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.02300049364566803},{"word":"whilst","start":269.315,"end":269.635,"confidence":0.9760742,"punctuated_word":"whilst","sentiment":"neutral","sentiment_score":-0.059208184480667114},{"word":"you're","start":269.635,"end":270.03,"confidence":0.99609375,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.08572007715702057},{"word":"seeking","start":270.27,"end":270.59,"confidence":0.99902344,"punctuated_word":"seeking","sentiment":"neutral","sentiment_score":-0.11184823513031006},{"word":"treatment","start":270.59,"end":271.07,"confidence":0.86206055,"punctuated_word":"treatment,","sentiment":"neutral","sentiment_score":-0.06563515216112137},{"word":"trying","start":271.07,"end":271.31,"confidence":0.984375,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.20192162692546844},{"word":"to","start":271.31,"end":271.38998,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1556829810142517},{"word":"get","start":271.38998,"end":271.55,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.14876997470855713},{"word":"back","start":271.55,"end":271.79,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.08533696830272675},{"word":"to","start":271.79,"end":271.95,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13893119990825653},{"word":"work","start":271.95,"end":272.19,"confidence":0.951416,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":-0.11076989024877548},{"word":"and","start":272.19,"end":272.43,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.06342034041881561},{"word":"then","start":272.43,"end":272.59,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.035347677767276764},{"word":"if","start":272.59,"end":272.67,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.12124494463205338},{"word":"you","start":272.67,"end":272.91,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.17068412899971008},{"word":"then","start":272.91,"end":273.15,"confidence":0.98095703,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.1374642848968506},{"word":"can't","start":273.15,"end":273.38998,"confidence":0.99609375,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.19053880870342255},{"word":"go","start":273.38998,"end":273.63,"confidence":0.9941406,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.2157207727432251},{"word":"back","start":273.63,"end":273.79,"confidence":0.9980469,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.15484008193016052},{"word":"to","start":273.79,"end":273.95,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16012519598007202},{"word":"work","start":273.95,"end":274.19,"confidence":0.9802246,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":-0.14110136032104492},{"word":"then","start":274.19,"end":274.43,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.013255693018436432},{"word":"it","start":274.43,"end":274.51,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06029621511697769},{"word":"triggers","start":274.51,"end":274.99,"confidence":1.0,"punctuated_word":"triggers","sentiment":"neutral","sentiment_score":-0.060914669185876846},{"word":"tbd","start":274.99,"end":275.49,"confidence":0.83740234,"punctuated_word":"TBD","sentiment":"neutral","sentiment_score":-0.07734048366546631},{"word":"after","start":275.55,"end":275.87,"confidence":1.0,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.1031695306301117},{"word":"that","start":275.87,"end":276.03,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08997997641563416},{"word":"point","start":276.03,"end":276.35,"confidence":1.0,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":-0.11836619675159454},{"word":"does","start":276.35,"end":276.51,"confidence":1.0,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.0023972392082214355},{"word":"that","start":276.51,"end":276.67,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02975284308195114},{"word":"make","start":276.67,"end":276.91,"confidence":0.9873047,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.012783341109752657},{"word":"sense","start":276.91,"end":277.41,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":-0.05923857167363167},{"word":"yeah","start":279.31,"end":279.81,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03465835750102997},{"word":"mhmm","start":281.87,"end":282.37,"confidence":0.99572754,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.14247652888298035},{"word":"yeah","start":285.615,"end":286.115,"confidence":0.8166504,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08757602423429489},{"word":"yeah","start":295.855,"end":296.355,"confidence":0.76782227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.11246858537197112},{"word":"yeah","start":308.44,"end":308.94,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.19288551807403564},{"word":"yeah","start":309.4,"end":309.9,"confidence":0.94091797,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1720714271068573},{"word":"yeah","start":314.935,"end":315.435,"confidence":0.9030762,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1905701756477356},{"word":"absolutely","start":316.775,"end":317.255,"confidence":0.694458,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":-0.1050536036491394},{"word":"the","start":317.255,"end":317.415,"confidence":0.9902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.09077543765306471},{"word":"other","start":317.415,"end":317.655,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.13130085170269012},{"word":"side","start":317.655,"end":317.975,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.04764704033732414},{"word":"of","start":317.975,"end":318.135,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09239859879016876},{"word":"it","start":318.135,"end":318.29498,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07850420475006104},{"word":"is","start":318.29498,"end":318.79498,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.10839318484067915},{"word":"with","start":319.095,"end":319.415,"confidence":0.76464844,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.13299304246902466},{"word":"those","start":319.415,"end":319.655,"confidence":0.99609375,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.16300642490386963},{"word":"hardship","start":319.655,"end":320.155,"confidence":0.99902344,"punctuated_word":"hardship","sentiment":"neutral","sentiment_score":-0.14994098246097565},{"word":"provisions","start":320.215,"end":320.615,"confidence":0.71899414,"punctuated_word":"provisions,","sentiment":"neutral","sentiment_score":-0.1495913863182068},{"word":"to","start":320.615,"end":320.775,"confidence":0.9790039,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12325780093669891},{"word":"access","start":320.775,"end":321.095,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.1068975180387497},{"word":"hardship","start":321.095,"end":321.575,"confidence":0.81152344,"punctuated_word":"hardship","sentiment":"neutral","sentiment_score":-0.04843393713235855},{"word":"through","start":321.575,"end":321.735,"confidence":0.89501953,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.10124139487743378},{"word":"your","start":321.735,"end":321.895,"confidence":0.94970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.12504942715168},{"word":"super","start":321.895,"end":322.215,"confidence":0.9440918,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":-0.07803365588188171},{"word":"you","start":322.215,"end":322.375,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1546766459941864},{"word":"have","start":322.375,"end":322.535,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.16884274780750275},{"word":"to","start":322.535,"end":322.615,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16184617578983307},{"word":"be","start":322.615,"end":322.775,"confidence":0.9951172,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1678203046321869},{"word":"on","start":322.775,"end":322.95,"confidence":0.9760742,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.13192525506019592},{"word":"centrelink","start":322.95,"end":323.35,"confidence":0.9679362,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":-0.12850748002529144},{"word":"for","start":323.35,"end":323.51,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.10533731430768968},{"word":"twenty","start":323.51,"end":323.83002,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":-0.14900505542755127},{"word":"six","start":323.83002,"end":323.99002,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.12484347820281982},{"word":"weeks","start":323.99002,"end":324.23,"confidence":1.0,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":-0.13625940680503845},{"word":"because","start":324.23,"end":324.55002,"confidence":0.7993164,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.1405964493751526},{"word":"they","start":324.55002,"end":324.71002,"confidence":0.9819336,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.13683496415615082},{"word":"require","start":324.71002,"end":325.11002,"confidence":0.9970703,"punctuated_word":"require","sentiment":"neutral","sentiment_score":-0.1305720955133438},{"word":"what's","start":325.11002,"end":325.27002,"confidence":0.99609375,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.1265692114830017},{"word":"called","start":325.27002,"end":325.51,"confidence":0.99902344,"punctuated_word":"called","sentiment":"neutral","sentiment_score":-0.13718052208423617},{"word":"a","start":325.51,"end":325.67,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1361241340637207},{"word":"q","start":325.67,"end":325.91,"confidence":0.99316406,"punctuated_word":"q","sentiment":"neutral","sentiment_score":-0.11790727078914642},{"word":"two","start":325.91,"end":326.07,"confidence":0.9921875,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.10286708921194077},{"word":"thirty","start":326.07,"end":326.39,"confidence":1.0,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":-0.06606023758649826},{"word":"letter","start":326.39,"end":326.89,"confidence":0.8996582,"punctuated_word":"letter.","sentiment":"neutral","sentiment_score":-0.10507328808307648},{"word":"so","start":327.11002,"end":327.27002,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1315644085407257},{"word":"you'd","start":327.27002,"end":327.59003,"confidence":0.99853516,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":-0.1464812457561493},{"word":"have","start":327.59003,"end":327.83002,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.15054848790168762},{"word":"to","start":327.83002,"end":327.91,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17239044606685638},{"word":"be","start":327.91,"end":328.15002,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1946564614772797},{"word":"off","start":328.15002,"end":328.39,"confidence":0.99902344,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.16615082323551178},{"word":"work","start":328.39,"end":328.63,"confidence":0.81933594,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.20937898755073547},{"word":"and","start":328.63,"end":328.79,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17890459299087524},{"word":"on","start":328.79,"end":328.95,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.1903329491615295},{"word":"centrelink","start":328.95,"end":329.45,"confidence":1.0,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":-0.14309871196746826},{"word":"receiving","start":329.67,"end":330.15002,"confidence":0.97265625,"punctuated_word":"receiving","sentiment":"neutral","sentiment_score":-0.1906415820121765},{"word":"that","start":330.15002,"end":330.47,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.18890652060508728},{"word":"for","start":330.47,"end":330.63,"confidence":0.9863281,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.16092514991760254},{"word":"six","start":330.63,"end":330.87003,"confidence":0.99902344,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.18983347713947296},{"word":"months","start":330.87003,"end":331.19,"confidence":0.9980469,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.1605285406112671},{"word":"prior","start":331.19,"end":331.51,"confidence":0.9790039,"punctuated_word":"prior","sentiment":"neutral","sentiment_score":-0.20846831798553467},{"word":"to","start":331.51,"end":331.59003,"confidence":0.98291016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1915905773639679},{"word":"you","start":331.59003,"end":331.75,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2250968962907791},{"word":"actually","start":331.75,"end":332.07,"confidence":0.95947266,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.17359058558940887},{"word":"being","start":332.07,"end":332.31,"confidence":0.97509766,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.2019329071044922},{"word":"able","start":332.31,"end":332.55002,"confidence":0.9589844,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.19007384777069092},{"word":"to","start":332.55002,"end":332.71002,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.20256075263023376},{"word":"claim","start":332.71002,"end":333.21002,"confidence":0.7468262,"punctuated_word":"claim.","sentiment":"neutral","sentiment_score":-0.13088823854923248},{"word":"and","start":333.75,"end":333.99002,"confidence":0.7685547,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.17469793558120728},{"word":"that","start":333.99002,"end":334.23,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.25285500288009644},{"word":"is","start":334.23,"end":334.63,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.3108198344707489},{"word":"that's","start":334.79,"end":335.205,"confidence":0.99560547,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.32750067114830017},{"word":"quite","start":335.28497,"end":335.60498,"confidence":1.0,"punctuated_word":"quite","sentiment":"negative","sentiment_score":-0.4043877422809601},{"word":"a","start":335.60498,"end":335.845,"confidence":0.9892578,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4317832291126251},{"word":"a","start":335.845,"end":336.00497,"confidence":0.6738281,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4128372073173523},{"word":"condition","start":336.00497,"end":336.485,"confidence":1.0,"punctuated_word":"condition","sentiment":"negative","sentiment_score":-0.38486507534980774},{"word":"to","start":336.485,"end":336.645,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.32584017515182495},{"word":"meet","start":336.645,"end":336.965,"confidence":0.68725586,"punctuated_word":"meet.","sentiment":"neutral","sentiment_score":-0.33280840516090393},{"word":"that","start":336.965,"end":337.205,"confidence":0.5307617,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.31970661878585815},{"word":"would","start":337.205,"end":337.365,"confidence":1.0,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.34465521574020386},{"word":"be","start":337.365,"end":337.685,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.31656110286712646},{"word":"requiring","start":337.685,"end":338.085,"confidence":0.9951172,"punctuated_word":"requiring","sentiment":"neutral","sentiment_score":-0.3093932867050171},{"word":"you","start":338.085,"end":338.245,"confidence":0.9980469,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.4212443828582764},{"word":"to","start":338.245,"end":338.32498,"confidence":0.9580078,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.37650105357170105},{"word":"not","start":338.32498,"end":338.56497,"confidence":0.8989258,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.39316150546073914},{"word":"be","start":338.56497,"end":338.88498,"confidence":0.5463867,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.43885859847068787},{"word":"able","start":338.88498,"end":339.125,"confidence":0.94921875,"punctuated_word":"able","sentiment":"negative","sentiment_score":-0.44349923729896545},{"word":"to","start":339.125,"end":339.205,"confidence":0.9941406,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4341713786125183},{"word":"work","start":339.205,"end":339.44498,"confidence":0.9980469,"punctuated_word":"work","sentiment":"negative","sentiment_score":-0.4529042243957519},{"word":"for","start":339.44498,"end":339.60498,"confidence":0.99902344,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.3634333312511444},{"word":"six","start":339.60498,"end":339.76498,"confidence":1.0,"punctuated_word":"six","sentiment":"negative","sentiment_score":-0.43251875042915344},{"word":"months","start":339.76498,"end":340.085,"confidence":1.0,"punctuated_word":"months","sentiment":"negative","sentiment_score":-0.35763347148895264},{"word":"and","start":340.085,"end":340.245,"confidence":0.94921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.32372763752937317},{"word":"still","start":340.245,"end":340.485,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.31545358896255493},{"word":"having","start":340.485,"end":340.72498,"confidence":0.99609375,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.3317328691482544},{"word":"to","start":340.72498,"end":341.22498,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.39379268884658813},{"word":"be","start":341.60498,"end":341.76498,"confidence":0.9716797,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.4071410298347473},{"word":"able","start":341.76498,"end":342.00497,"confidence":1.0,"punctuated_word":"able","sentiment":"negative","sentiment_score":-0.37362897396087646},{"word":"to","start":342.00497,"end":342.16498,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3868035674095154},{"word":"receive","start":342.16498,"end":342.485,"confidence":0.99902344,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":-0.30827075242996216},{"word":"some","start":342.485,"end":342.72498,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.3309655785560608},{"word":"sort","start":342.72498,"end":342.88498,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.313571959733963},{"word":"of","start":342.88498,"end":343.04498,"confidence":0.99121094,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3996293842792511},{"word":"settling","start":343.04498,"end":343.44498,"confidence":0.546875,"punctuated_word":"settling","sentiment":"negative","sentiment_score":-0.3492788076400757},{"word":"benefits","start":343.44498,"end":343.94498,"confidence":0.90478516,"punctuated_word":"benefits,","sentiment":"negative","sentiment_score":-0.3729814887046814},{"word":"which","start":344.00497,"end":344.245,"confidence":1.0,"punctuated_word":"which","sentiment":"negative","sentiment_score":-0.41489335894584656},{"word":"are","start":344.245,"end":344.485,"confidence":0.9951172,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.4561557471752167},{"word":"pretty","start":344.485,"end":344.88498,"confidence":1.0,"punctuated_word":"pretty","sentiment":"negative","sentiment_score":-0.4784021675586701},{"word":"minimal","start":344.88498,"end":345.365,"confidence":0.99902344,"punctuated_word":"minimal","sentiment":"negative","sentiment_score":-0.4227861762046814},{"word":"at","start":345.365,"end":345.525,"confidence":1.0,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.528739333152771},{"word":"this","start":345.525,"end":345.685,"confidence":1.0,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.4751335084438324},{"word":"point","start":345.685,"end":345.925,"confidence":1.0,"punctuated_word":"point","sentiment":"negative","sentiment_score":-0.4572570621967316},{"word":"in","start":345.925,"end":346.16498,"confidence":0.9970703,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.3875874876976013},{"word":"time","start":346.16498,"end":346.56497,"confidence":0.97753906,"punctuated_word":"time.","sentiment":"negative","sentiment_score":-0.3729829788208008},{"word":"so","start":346.56497,"end":347.06497,"confidence":0.99902344,"punctuated_word":"So","sentiment":"negative","sentiment_score":-0.3346567153930664},{"word":"that","start":347.525,"end":347.76498,"confidence":0.984375,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4962982535362244},{"word":"that","start":347.76498,"end":347.925,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.578082263469696},{"word":"is","start":347.925,"end":348.16498,"confidence":0.9970703,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.621243417263031},{"word":"definitely","start":348.16498,"end":348.645,"confidence":0.9951172,"punctuated_word":"definitely","sentiment":"negative","sentiment_score":-0.5649009943008423},{"word":"increasing","start":348.645,"end":349.125,"confidence":0.9560547,"punctuated_word":"increasing","sentiment":"negative","sentiment_score":-0.5862084627151489},{"word":"the","start":349.125,"end":349.205,"confidence":0.99121094,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.6551328301429749},{"word":"risk","start":349.205,"end":349.44498,"confidence":1.0,"punctuated_word":"risk","sentiment":"negative","sentiment_score":-0.6779483556747437},{"word":"level","start":349.44498,"end":349.84497,"confidence":0.97509766,"punctuated_word":"level","sentiment":"negative","sentiment_score":-0.7171564698219299},{"word":"there","start":349.84497,"end":350.085,"confidence":0.9707031,"punctuated_word":"there","sentiment":"negative","sentiment_score":-0.6100388765335083},{"word":"for","start":350.085,"end":350.245,"confidence":1.0,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.5549789667129517},{"word":"you","start":350.245,"end":350.485,"confidence":0.967041,"punctuated_word":"you.","sentiment":"negative","sentiment_score":-0.5304470062255859},{"word":"so","start":350.485,"end":350.91,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.23142459988594055},{"word":"i","start":351.07,"end":351.31,"confidence":0.9790039,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14514614641666412},{"word":"mean","start":351.31,"end":351.47,"confidence":0.99902344,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.10987275093793868},{"word":"with","start":351.47,"end":351.87,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.09225001186132432},{"word":"with","start":351.87,"end":352.11002,"confidence":0.9863281,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.09599097073078156},{"word":"the","start":352.11002,"end":352.27,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0877634733915329},{"word":"way","start":352.27,"end":352.51,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.05750703811645508},{"word":"that","start":352.51,"end":352.75,"confidence":0.84472656,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08861786872148514},{"word":"i've","start":352.75,"end":352.99,"confidence":0.99121094,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.09017013013362885},{"word":"tried","start":352.99,"end":353.23,"confidence":0.9980469,"punctuated_word":"tried","sentiment":"neutral","sentiment_score":-0.079063281416893},{"word":"to","start":353.23,"end":353.39,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10198644548654556},{"word":"sort","start":353.39,"end":353.55002,"confidence":0.9873047,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.11955853551626204},{"word":"of","start":353.55002,"end":353.63,"confidence":0.8769531,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1167287901043892},{"word":"structure","start":353.63,"end":354.03,"confidence":0.984375,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":-0.0907670110464096},{"word":"the","start":354.03,"end":354.11002,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07205745577812195},{"word":"income","start":354.11002,"end":354.43,"confidence":0.9970703,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.152969092130661},{"word":"protection","start":354.43,"end":354.83002,"confidence":0.9760742,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.11311233788728714},{"word":"to","start":354.83002,"end":355.07,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10998562723398209},{"word":"alleviate","start":355.07,"end":355.55002,"confidence":1.0,"punctuated_word":"alleviate","sentiment":"neutral","sentiment_score":-0.09089364111423492},{"word":"that","start":355.55002,"end":355.79,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.17305895686149597},{"word":"a","start":355.79,"end":355.87,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17427891492843628},{"word":"little","start":355.87,"end":356.03,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.10568289458751678},{"word":"bit","start":356.03,"end":356.19,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1262008249759674},{"word":"is","start":356.19,"end":356.35,"confidence":0.8618164,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.21227113902568817},{"word":"to","start":356.35,"end":356.51,"confidence":0.5805664,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13094937801361084},{"word":"kind","start":356.51,"end":356.83002,"confidence":0.9707031,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.10805044323205948},{"word":"of","start":356.83002,"end":356.87,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06486295908689499},{"word":"whilst","start":356.91,"end":357.15,"confidence":0.39208984,"punctuated_word":"whilst","sentiment":"neutral","sentiment_score":-0.042656563222408295},{"word":"we're","start":357.15,"end":357.39,"confidence":0.9523926,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.06610450148582458},{"word":"reducing","start":357.39,"end":357.79,"confidence":0.99609375,"punctuated_word":"reducing","sentiment":"neutral","sentiment_score":-0.076883465051651},{"word":"the","start":357.79,"end":357.95,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2389732301235199},{"word":"waiting","start":357.95,"end":358.35,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":-0.24211236834526065},{"word":"period","start":358.35,"end":358.75,"confidence":1.0,"punctuated_word":"period","sentiment":"neutral","sentiment_score":-0.29216885566711426},{"word":"to","start":358.75,"end":358.91,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15635275840759277},{"word":"thirty","start":358.91,"end":359.23,"confidence":1.0,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":-0.15424300730228424},{"word":"days","start":359.23,"end":359.73,"confidence":0.96533203,"punctuated_word":"days,","sentiment":"neutral","sentiment_score":-0.15091246366500854},{"word":"also","start":359.95,"end":360.35,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.1592961996793747},{"word":"reduce","start":360.35,"end":360.75,"confidence":0.9375,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":-0.18655000627040863},{"word":"that","start":360.75,"end":360.99,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2696264088153839},{"word":"benefit","start":360.99,"end":361.39,"confidence":0.9980469,"punctuated_word":"benefit","sentiment":"negative","sentiment_score":-0.34231799840927124},{"word":"period","start":361.39,"end":361.79,"confidence":0.9970703,"punctuated_word":"period","sentiment":"neutral","sentiment_score":-0.19783024489879608},{"word":"back","start":361.79,"end":362.03,"confidence":0.9902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.17813897132873535},{"word":"from","start":362.03,"end":362.19,"confidence":0.984375,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.23918622732162476},{"word":"age","start":362.19,"end":362.51,"confidence":0.9633789,"punctuated_word":"age","sentiment":"negative","sentiment_score":-0.35759907960891724},{"word":"65","start":362.51,"end":363.15,"confidence":0.99609375,"punctuated_word":"65","sentiment":"neutral","sentiment_score":-0.32723820209503174},{"word":"to","start":363.15,"end":363.31,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16705474257469177},{"word":"five","start":363.31,"end":363.55,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.17267733812332153},{"word":"years","start":363.55,"end":363.79,"confidence":0.8425293,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.17450222373008728},{"word":"because","start":363.79,"end":364.11002,"confidence":0.8828125,"punctuated_word":"Because,","sentiment":"neutral","sentiment_score":-0.15175288915634155},{"word":"realistically","start":364.11002,"end":364.61002,"confidence":1.0,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":-0.16082191467285156},{"word":"if","start":364.83002,"end":364.99,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.14424467086791992},{"word":"you","start":364.99,"end":365.07,"confidence":0.97509766,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.18191957473754883},{"word":"think","start":365.07,"end":365.31,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.18015971779823303},{"word":"about","start":365.31,"end":365.775,"confidence":0.99072266,"punctuated_word":"about,","sentiment":"neutral","sentiment_score":-0.1918849945068359},{"word":"you","start":365.85498,"end":365.935,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.20092447102069855},{"word":"know","start":365.935,"end":366.175,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.1691463738679886},{"word":"what","start":366.175,"end":366.255,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.17700637876987457},{"word":"could","start":366.255,"end":366.57498,"confidence":0.97802734,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.11962908506393433},{"word":"go","start":366.57498,"end":366.735,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.3110074996948242},{"word":"wrong","start":366.735,"end":367.055,"confidence":1.0,"punctuated_word":"wrong","sentiment":"negative","sentiment_score":-0.4074847996234894},{"word":"exactly","start":369.935,"end":370.435,"confidence":0.70947266,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":-0.026298031210899353},{"word":"yeah","start":370.495,"end":370.895,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011172853410243988},{"word":"definitely","start":370.895,"end":371.395,"confidence":1.0,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":0.03410309925675392},{"word":"no","start":374.975,"end":375.475,"confidence":0.75341797,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.23161551356315613},{"word":"yeah","start":381.04,"end":381.36002,"confidence":0.9812012,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.008626369759440422},{"word":"i","start":381.36002,"end":381.52002,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.021724294871091843},{"word":"can","start":381.52002,"end":381.76,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03678692504763603},{"word":"organize","start":381.76,"end":382.24,"confidence":0.99609375,"punctuated_word":"organize","sentiment":"neutral","sentiment_score":0.0082368403673172},{"word":"that","start":382.24,"end":382.74,"confidence":1.0,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.0026323292404413223},{"word":"yep","start":382.80002,"end":383.30002,"confidence":0.8203125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.023807134479284286},{"word":"yes","start":389.28,"end":389.78,"confidence":0.99316406,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.00436672568321228},{"word":"mhmm","start":397.85498,"end":398.35498,"confidence":0.9980469,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.09228266775608064},{"word":"no","start":403.775,"end":404.275,"confidence":0.9926758,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1467490941286087},{"word":"no","start":404.57498,"end":405.07498,"confidence":0.9975586,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2401038110256195},{"word":"definitely","start":405.56,"end":406.06,"confidence":1.0,"punctuated_word":"Definitely","sentiment":"neutral","sentiment_score":-0.20716241002082825},{"word":"not","start":406.12,"end":406.44,"confidence":0.99609375,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.259725421667099},{"word":"that","start":406.44,"end":406.52,"confidence":0.56689453,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.22477537393569944},{"word":"they","start":406.59998,"end":406.84,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.293392151594162},{"word":"will","start":406.84,"end":407.0,"confidence":0.9970703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.29136642813682556},{"word":"just","start":407.0,"end":407.24,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.251689612865448},{"word":"keep","start":407.24,"end":407.47998,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.2840617299079895},{"word":"increasing","start":407.47998,"end":407.96,"confidence":0.8088379,"punctuated_word":"increasing.","sentiment":"neutral","sentiment_score":-0.25727421045303345},{"word":"and","start":407.96,"end":408.28,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.16968217492103577},{"word":"one","start":408.28,"end":408.52,"confidence":0.9707031,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.1391226202249527},{"word":"of","start":408.52,"end":408.59998,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11226169764995576},{"word":"the","start":408.59998,"end":408.68,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16590945422649384},{"word":"things","start":408.68,"end":408.91998,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.13936728239059448},{"word":"we","start":408.91998,"end":409.08,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.17126470804214478},{"word":"sort","start":409.08,"end":409.31998,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.21078763902187347},{"word":"of","start":409.31998,"end":409.4,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.19014346599578855},{"word":"want","start":409.4,"end":409.63998,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.19063490629196167},{"word":"to","start":409.63998,"end":409.72,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.18692722916603088},{"word":"look","start":409.72,"end":409.88,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.19848965108394623},{"word":"at","start":409.88,"end":410.12,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.20637473464012143},{"word":"with","start":410.12,"end":410.36,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.19082605838775635},{"word":"insurances","start":410.36,"end":410.86,"confidence":0.7322998,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.17709429562091827},{"word":"is","start":410.91998,"end":411.16,"confidence":0.97802734,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1302490532398224},{"word":"we","start":411.16,"end":411.31998,"confidence":0.9941406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.18086403608322144},{"word":"tend","start":411.31998,"end":411.56,"confidence":0.99902344,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":-0.14590391516685486},{"word":"to","start":411.56,"end":411.63998,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.21971063315868375},{"word":"need","start":411.63998,"end":411.88,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.25586917996406555},{"word":"to","start":411.88,"end":411.96,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.24361105263233185},{"word":"have","start":411.96,"end":412.12,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2255327105522156},{"word":"a","start":412.12,"end":412.19998,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2173425257205963},{"word":"higher","start":412.19998,"end":412.52,"confidence":0.9951172,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.19131726026535031},{"word":"level","start":412.52,"end":412.84,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.15027330815792084},{"word":"of","start":412.84,"end":413.0,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.23213616013526917},{"word":"cover","start":413.0,"end":413.31998,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.2554836571216583},{"word":"now","start":413.31998,"end":413.81998,"confidence":0.91552734,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.15064314007759094},{"word":"we","start":414.44,"end":414.68,"confidence":0.74658203,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.09397585690021516},{"word":"pay","start":414.68,"end":414.91998,"confidence":0.9707031,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.18639397621154785},{"word":"down","start":414.91998,"end":415.16,"confidence":0.9760742,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.08620163798332214},{"word":"our","start":415.16,"end":415.31998,"confidence":0.97509766,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.1938931494951248},{"word":"mortgage","start":415.31998,"end":415.63998,"confidence":0.82666016,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.23355992138385773},{"word":"as","start":415.63998,"end":415.8,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.12667861580848694},{"word":"much","start":415.8,"end":416.03998,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.0738833099603653},{"word":"as","start":416.03998,"end":416.12,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.11984434723854064},{"word":"possible","start":416.12,"end":416.52,"confidence":0.9797363,"punctuated_word":"possible,","sentiment":"neutral","sentiment_score":-0.10025149583816528},{"word":"get","start":416.52,"end":416.68,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.1042417585849762},{"word":"our","start":416.68,"end":416.84,"confidence":0.96875,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.13872912526130676},{"word":"super","start":416.84,"end":417.16,"confidence":0.9921875,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.07540632784366608},{"word":"balance","start":417.16,"end":417.47998,"confidence":0.9472656,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.08795624226331711},{"word":"up","start":417.47998,"end":417.72,"confidence":0.96875,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.08779218792915344},{"word":"even","start":417.72,"end":418.03998,"confidence":0.9472656,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.1502426564693451},{"word":"higher","start":418.03998,"end":418.53998,"confidence":0.98291016,"punctuated_word":"higher,","sentiment":"neutral","sentiment_score":-0.10341945290565492},{"word":"and","start":419.05502,"end":419.135,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1353471875190735},{"word":"then","start":419.135,"end":419.45502,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.11604782193899156},{"word":"we","start":419.45502,"end":419.535,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.21310955286026},{"word":"can","start":419.535,"end":419.77502,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.2108786404132843},{"word":"start","start":419.77502,"end":420.095,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.2238512933254242},{"word":"to","start":420.095,"end":420.255,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.20613092184066772},{"word":"decrease","start":420.255,"end":420.655,"confidence":1.0,"punctuated_word":"decrease","sentiment":"neutral","sentiment_score":-0.12721064686775208},{"word":"the","start":420.655,"end":420.815,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21758577227592468},{"word":"cover","start":420.815,"end":421.05502,"confidence":0.9980469,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":-0.21644356846809387},{"word":"so","start":421.05502,"end":421.295,"confidence":0.8742676,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.08826793730258942},{"word":"realistically","start":421.295,"end":421.795,"confidence":1.0,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":-0.08286505192518234},{"word":"we","start":422.015,"end":422.17502,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.09561728686094284},{"word":"should","start":422.17502,"end":422.415,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.0026520192623138428},{"word":"be","start":422.415,"end":422.575,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.11670681834220886},{"word":"able","start":422.575,"end":422.815,"confidence":0.99902344,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.0533660501241684},{"word":"to","start":422.815,"end":422.89502,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08415088057518005},{"word":"decrease","start":422.89502,"end":423.375,"confidence":1.0,"punctuated_word":"decrease","sentiment":"neutral","sentiment_score":-0.1268431842327118},{"word":"the","start":423.375,"end":423.61502,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19357800483703613},{"word":"cover","start":423.61502,"end":424.015,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.2760828733444214},{"word":"over","start":424.015,"end":424.255,"confidence":0.98535156,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.06038753688335419},{"word":"time","start":424.255,"end":424.755,"confidence":0.9995117,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.0637592226266861},{"word":"i'm","start":425.535,"end":425.935,"confidence":0.9453125,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.7553809881210327},{"word":"absolutely","start":425.935,"end":426.435,"confidence":0.99902344,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.8127990961074829},{"word":"happy","start":426.49503,"end":426.815,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.8188863396644592},{"word":"to","start":426.815,"end":426.89502,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.8169846534729004},{"word":"get","start":426.89502,"end":427.135,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.843120276927948},{"word":"that","start":427.135,"end":427.375,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.8600790500640869},{"word":"quote","start":427.375,"end":427.695,"confidence":0.99316406,"punctuated_word":"quote","sentiment":"positive","sentiment_score":0.8146658539772034},{"word":"for","start":427.695,"end":427.935,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8888409733772278},{"word":"you","start":427.935,"end":428.255,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.8165516257286072},{"word":"i","start":428.255,"end":428.415,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.32433784008026123},{"word":"just","start":428.415,"end":428.655,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.21187451481819153},{"word":"need","start":428.655,"end":428.89502,"confidence":0.4970703,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.23914119601249695},{"word":"to","start":428.89502,"end":429.135,"confidence":0.8730469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2148067206144333},{"word":"let","start":429.135,"end":429.21503,"confidence":0.9902344,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.15778848528862},{"word":"you","start":429.21503,"end":429.375,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13227024674415588},{"word":"know","start":429.375,"end":429.535,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.18568213284015656},{"word":"i'm","start":429.535,"end":429.695,"confidence":0.8503418,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04070856794714928},{"word":"away","start":429.695,"end":430.015,"confidence":0.99902344,"punctuated_word":"away","sentiment":"neutral","sentiment_score":0.07276380807161331},{"word":"next","start":430.015,"end":430.33502,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.017568886280059814},{"word":"week","start":430.33502,"end":430.62,"confidence":0.79418945,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.04225029796361923},{"word":"so","start":430.62,"end":430.86,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0802859514951706},{"word":"i","start":430.86,"end":431.02,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.026866741478443142},{"word":"will","start":431.02,"end":431.1,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.06671188771724701},{"word":"get","start":431.1,"end":431.34,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.10689957439899445},{"word":"my","start":431.34,"end":431.58,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.13719840347766876},{"word":"team","start":431.58,"end":431.82,"confidence":0.99902344,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.2044626027345657},{"word":"to","start":431.82,"end":432.06,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18476824462413788},{"word":"organize","start":432.06,"end":432.46,"confidence":0.99902344,"punctuated_word":"organize","sentiment":"neutral","sentiment_score":0.18881507217884064},{"word":"the","start":432.46,"end":432.62,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28875866532325745},{"word":"quote","start":432.62,"end":432.94,"confidence":0.9370117,"punctuated_word":"quote,","sentiment":"neutral","sentiment_score":0.20129328966140747},{"word":"and","start":432.94,"end":433.1,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17399324476718905},{"word":"i","start":433.1,"end":433.18,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16025064885616302},{"word":"will","start":433.18,"end":433.34,"confidence":0.9941406,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.16532772779464722},{"word":"get","start":433.34,"end":433.58,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.20950236916542053},{"word":"one","start":433.58,"end":433.74,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.2686278820037842},{"word":"of","start":433.74,"end":433.82,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3197624087333679},{"word":"them","start":433.82,"end":433.97998,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.20580627024173737},{"word":"to","start":433.97998,"end":434.22,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2582254409790039},{"word":"email","start":434.22,"end":434.54,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.24774205684661865},{"word":"that","start":434.54,"end":434.69998,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26985737681388855},{"word":"through","start":434.69998,"end":434.94,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2090221643447876},{"word":"to","start":434.94,"end":435.1,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2801654040813446},{"word":"you","start":435.1,"end":435.34,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2830885350704193},{"word":"to","start":435.34,"end":435.41998,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18123401701450348},{"word":"have","start":435.41998,"end":435.66,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17978481948375702},{"word":"a","start":435.66,"end":435.74,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2246333360671997},{"word":"look","start":435.74,"end":435.9,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.16823820769786835},{"word":"at","start":435.9,"end":436.38,"confidence":0.9951172,"punctuated_word":"at.","sentiment":"neutral","sentiment_score":0.2128206491470337},{"word":"it","start":436.38,"end":436.54,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.0707385465502739},{"word":"takes","start":436.54,"end":436.86,"confidence":1.0,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":0.07280750572681427},{"word":"about","start":436.86,"end":437.18,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.05934583395719528},{"word":"five","start":437.18,"end":437.41998,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.045328423380851746},{"word":"to","start":437.41998,"end":437.5,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.001524023711681366},{"word":"seven","start":437.5,"end":437.82,"confidence":1.0,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.009301446378231049},{"word":"days","start":437.82,"end":438.13998,"confidence":1.0,"punctuated_word":"days","sentiment":"neutral","sentiment_score":-0.00805114209651947},{"word":"to","start":438.13998,"end":438.3,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01863729953765869},{"word":"come","start":438.3,"end":438.46,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.05918007344007492},{"word":"through","start":438.46,"end":438.69998,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08398336917161942},{"word":"from","start":438.69998,"end":438.94,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.09442870318889618},{"word":"chow","start":438.94,"end":439.18,"confidence":0.9248047,"punctuated_word":"Chow.","sentiment":"neutral","sentiment_score":0.0303807370364666},{"word":"that's","start":439.18,"end":439.41998,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.10743896663188934},{"word":"why","start":439.41998,"end":439.66,"confidence":0.9790039,"punctuated_word":"why,","sentiment":"neutral","sentiment_score":-0.1265726387500763},{"word":"unfortunately","start":439.66,"end":440.13998,"confidence":1.0,"punctuated_word":"unfortunately,","sentiment":"neutral","sentiment_score":-0.26542696356773376},{"word":"i","start":440.13998,"end":440.22,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2739699184894562},{"word":"couldn't","start":440.22,"end":440.54,"confidence":1.0,"punctuated_word":"couldn't","sentiment":"neutral","sentiment_score":-0.2824242115020752},{"word":"have","start":440.54,"end":440.69998,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.28760266304016113},{"word":"didn't","start":440.94,"end":441.26,"confidence":0.99560547,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.14618055522441864},{"word":"quite","start":441.26,"end":441.5,"confidence":0.99902344,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.11192379891872406},{"word":"get","start":441.5,"end":441.66,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.1544003188610077},{"word":"the","start":441.66,"end":441.74,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2101945728063583},{"word":"quote","start":441.74,"end":442.06,"confidence":0.9970703,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":-0.20389406383037567},{"word":"done","start":442.06,"end":442.3,"confidence":0.97802734,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.31997618079185486},{"word":"last","start":442.3,"end":442.54,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.2683738172054291},{"word":"time","start":442.54,"end":442.69998,"confidence":0.9875488,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.32946041226387024},{"word":"i","start":442.69998,"end":442.78,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.34166616201400757},{"word":"do","start":442.78,"end":443.02,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.27733513712882996},{"word":"apologize","start":443.02,"end":443.52,"confidence":1.0,"punctuated_word":"apologize","sentiment":"negative","sentiment_score":-0.34798118472099304},{"word":"about","start":443.66,"end":443.9,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.285555362701416},{"word":"that","start":443.9,"end":444.375,"confidence":0.9914551,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.2479860782623291},{"word":"but","start":444.695,"end":444.855,"confidence":0.9448242,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.07900585979223251},{"word":"is","start":444.855,"end":445.015,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09325489401817322},{"word":"that","start":445.015,"end":445.255,"confidence":0.9790039,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1734016239643097},{"word":"okay","start":445.255,"end":445.575,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.1912844479084015},{"word":"with","start":445.575,"end":445.735,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2314879149198532},{"word":"you","start":445.735,"end":445.975,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21453532576560977},{"word":"if","start":445.975,"end":446.135,"confidence":0.98291016,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2818581163883209},{"word":"we","start":446.135,"end":446.215,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.213148832321167},{"word":"get","start":446.215,"end":446.455,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.23264986276626587},{"word":"the","start":446.455,"end":446.53497,"confidence":0.6533203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21676713228225708},{"word":"i'll","start":446.615,"end":446.855,"confidence":0.9782715,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2572457492351532},{"word":"organize","start":446.855,"end":447.335,"confidence":0.99316406,"punctuated_word":"organize","sentiment":"neutral","sentiment_score":0.21614420413970947},{"word":"that","start":447.335,"end":447.655,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31409701704978943},{"word":"tomorrow","start":447.655,"end":448.155,"confidence":0.9970703,"punctuated_word":"tomorrow","sentiment":"neutral","sentiment_score":0.28552109003067017},{"word":"from","start":448.295,"end":448.535,"confidence":0.6616211,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.25950878858566284},{"word":"my","start":448.535,"end":448.695,"confidence":0.99609375,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.2259872853755951},{"word":"team","start":448.695,"end":449.195,"confidence":0.9172363,"punctuated_word":"team,","sentiment":"neutral","sentiment_score":0.2056908905506134},{"word":"and","start":449.255,"end":449.495,"confidence":0.82128906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2300643026828766},{"word":"i'll","start":449.495,"end":449.575,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.19856469333171844},{"word":"get","start":449.575,"end":449.895,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2393917441368103},{"word":"one","start":449.895,"end":450.055,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.2047022581100464},{"word":"of","start":450.055,"end":450.135,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22289113700389865},{"word":"them","start":450.135,"end":450.375,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.22063371539115903},{"word":"to","start":450.375,"end":450.535,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19783562421798703},{"word":"email","start":450.535,"end":450.855,"confidence":0.99902344,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.16234414279460907},{"word":"through","start":450.855,"end":451.095,"confidence":0.68652344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1477697193622589},{"word":"to","start":451.095,"end":451.255,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18701577186584473},{"word":"you","start":451.255,"end":451.415,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1831994652748108},{"word":"when","start":451.415,"end":451.575,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.16605815291404724},{"word":"they","start":451.575,"end":451.815,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.2139108330011368},{"word":"receive","start":451.815,"end":452.055,"confidence":0.9980469,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.14894011616706848},{"word":"it","start":452.055,"end":452.215,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.19294984638690948},{"word":"next","start":452.215,"end":452.455,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1759867966175079},{"word":"week","start":452.455,"end":452.695,"confidence":0.96972656,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.13679218292236328},{"word":"is","start":452.695,"end":452.855,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.17637556791305542},{"word":"that","start":452.855,"end":453.015,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2186080664396286},{"word":"okay","start":453.015,"end":453.515,"confidence":1.0,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.10934123396873474},{"word":"yes","start":455.335,"end":455.835,"confidence":0.8466797,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04692700505256653},{"word":"it","start":470.07,"end":470.31003,"confidence":0.89208984,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.1985093057155609},{"word":"still","start":470.31003,"end":470.71002,"confidence":0.8588867,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.305923730134964},{"word":"it","start":470.71002,"end":470.87003,"confidence":0.96533203,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.3309299349784851},{"word":"still","start":470.87003,"end":471.11002,"confidence":0.9760742,"punctuated_word":"still","sentiment":"negative","sentiment_score":-0.35975515842437744},{"word":"affects","start":471.11002,"end":471.375,"confidence":0.8305664,"punctuated_word":"affects","sentiment":"negative","sentiment_score":-0.35412728786468506},{"word":"you","start":471.375,"end":471.875,"confidence":0.9890137,"punctuated_word":"you.","sentiment":"negative","sentiment_score":-0.36713358759880066},{"word":"yeah","start":474.095,"end":474.595,"confidence":0.84155273,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1092974692583084},{"word":"absolutely","start":474.655,"end":475.155,"confidence":0.8630371,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.031848348677158356},{"word":"completely","start":475.455,"end":475.955,"confidence":0.9975586,"punctuated_word":"Completely","sentiment":"neutral","sentiment_score":0.1152007132768631},{"word":"understand","start":476.175,"end":476.655,"confidence":0.9663086,"punctuated_word":"understand.","sentiment":"neutral","sentiment_score":0.04560400545597077},{"word":"and","start":476.655,"end":476.815,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.017590802162885666},{"word":"you've","start":476.815,"end":477.055,"confidence":0.99853516,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.02857463620603085},{"word":"got","start":477.055,"end":477.295,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.03777411952614784},{"word":"kids","start":477.295,"end":477.535,"confidence":0.9980469,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":-0.050455011427402496},{"word":"and","start":477.535,"end":477.775,"confidence":0.8857422,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04281856492161751},{"word":"normal","start":477.775,"end":478.255,"confidence":0.99609375,"punctuated_word":"normal","sentiment":"neutral","sentiment_score":-0.050904832780361176},{"word":"expenses","start":478.255,"end":478.755,"confidence":0.99902344,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":-0.04712779447436333},{"word":"and","start":478.895,"end":479.135,"confidence":0.83935547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01686248555779457},{"word":"school","start":479.135,"end":479.375,"confidence":0.99902344,"punctuated_word":"school","sentiment":"neutral","sentiment_score":-0.04308128729462624},{"word":"and","start":479.375,"end":479.615,"confidence":0.9770508,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.049998074769973755},{"word":"all","start":479.615,"end":479.775,"confidence":0.98828125,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.005910031497478485},{"word":"the","start":479.775,"end":479.935,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03507636860013008},{"word":"things","start":479.935,"end":480.335,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.05302805453538895},{"word":"going","start":480.335,"end":480.575,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.034733474254608154},{"word":"on","start":480.575,"end":481.055,"confidence":0.9614258,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.031802814453840256},{"word":"so","start":481.055,"end":481.215,"confidence":0.7050781,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.004311449825763702},{"word":"yeah","start":491.36002,"end":491.6,"confidence":0.9848633,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03169378638267517},{"word":"yep","start":491.6,"end":492.1,"confidence":0.795166,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.043923258781433105},{"word":"yes","start":498.56,"end":499.06,"confidence":0.9169922,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06490255892276764},{"word":"yeah","start":501.035,"end":501.535,"confidence":0.8918457,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.016007548198103905},{"word":"yep","start":501.67502,"end":502.17502,"confidence":0.80493164,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0072640045545995235},{"word":"it","start":502.23502,"end":502.73502,"confidence":0.52685547,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.052852582186460495},{"word":"was","start":506.23502,"end":506.475,"confidence":0.9975586,"punctuated_word":"was.","sentiment":"neutral","sentiment_score":-0.014598803594708444},{"word":"yeah","start":506.475,"end":506.975,"confidence":0.9790039,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0395018607378006},{"word":"absolutely","start":507.035,"end":507.535,"confidence":0.99658203,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.07148401439189911},{"word":"no","start":508.795,"end":509.035,"confidence":0.9909668,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05692872405052185},{"word":"that's","start":509.035,"end":509.275,"confidence":0.95703125,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.04369020462036133},{"word":"okay","start":509.275,"end":509.775,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.015696004033088684},{"word":"yeah","start":514.475,"end":514.8,"confidence":0.83447266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02215147390961647},{"word":"correct","start":521.76,"end":522.26,"confidence":0.98876953,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.08160586655139923},{"word":"yep","start":522.88,"end":523.38,"confidence":0.9453125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05376560986042023},{"word":"yep","start":532.735,"end":533.235,"confidence":0.90771484,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.002095834817737341},{"word":"mhmm","start":535.375,"end":535.875,"confidence":0.9437256,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.04244346171617508},{"word":"mhmm","start":541.135,"end":541.635,"confidence":0.9942627,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.010821791365742683},{"word":"yeah","start":547.52,"end":548.02,"confidence":0.9863281,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.008039353415369987},{"word":"mhmm","start":550.16,"end":550.66,"confidence":0.9992676,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.025053884834051132},{"word":"no","start":559.055,"end":559.215,"confidence":0.7453613,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.134253591299057},{"word":"you're","start":559.215,"end":559.615,"confidence":0.97631836,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.12604746222496033},{"word":"right","start":559.615,"end":560.115,"confidence":0.9069824,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":-0.03747294470667839},{"word":"yep","start":600.31,"end":600.47,"confidence":0.78125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.015347622334957125},{"word":"yeah","start":600.47,"end":600.97,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01474781334400177},{"word":"yeah","start":617.9,"end":618.4,"confidence":0.7817383,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01898607239127159},{"word":"yeah","start":618.54004,"end":619.04004,"confidence":0.8105469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.029023414477705956},{"word":"yeah","start":624.62,"end":625.12,"confidence":0.8991699,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03810488805174827},{"word":"mhmm","start":627.66003,"end":628.16003,"confidence":0.99121094,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0010594800114631653},{"word":"yeah","start":655.01,"end":655.41003,"confidence":0.7585449,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05418660119175911},{"word":"abs","start":655.41003,"end":655.89,"confidence":0.59814453,"punctuated_word":"Abs","sentiment":"neutral","sentiment_score":-0.00783500261604786},{"word":"absolutely","start":656.21,"end":656.71,"confidence":0.99365234,"punctuated_word":"absolutely.","sentiment":"neutral","sentiment_score":-0.03301987424492836},{"word":"yeah","start":657.49,"end":657.99,"confidence":0.9875488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05812855064868927},{"word":"they","start":660.355,"end":660.595,"confidence":0.9550781,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.09488564729690552},{"word":"have","start":660.595,"end":660.915,"confidence":0.967041,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":-0.1223418265581131},{"word":"unfortunately","start":660.915,"end":661.415,"confidence":0.99316406,"punctuated_word":"unfortunately.","sentiment":"neutral","sentiment_score":-0.14063647389411926},{"word":"yeah","start":661.63495,"end":662.115,"confidence":0.98950195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08942049741744995},{"word":"50","start":662.115,"end":662.51495,"confidence":0.22631836,"punctuated_word":"50","sentiment":"neutral","sentiment_score":-0.1312091052532196},{"word":"nine","start":662.51495,"end":662.83496,"confidence":0.9580078,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":-0.11042902618646622},{"word":"six","start":662.83496,"end":663.15497,"confidence":0.96777344,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.1026199907064438},{"word":"is","start":663.15497,"end":663.315,"confidence":0.9267578,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.11287277191877364},{"word":"in","start":663.315,"end":663.815,"confidence":0.9794922,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":-0.05586153268814087},{"word":"yep","start":664.435,"end":664.75494,"confidence":0.99365234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1207358092069626},{"word":"all","start":664.75494,"end":664.995,"confidence":0.99902344,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.11921139061450958},{"word":"the","start":664.995,"end":665.15497,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09318743646144868},{"word":"taxes","start":665.15497,"end":665.63495,"confidence":0.99902344,"punctuated_word":"taxes","sentiment":"neutral","sentiment_score":0.18677079677581787},{"word":"are","start":665.63495,"end":665.795,"confidence":0.97998047,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.13656571507453918},{"word":"happening","start":665.795,"end":666.27496,"confidence":0.97680664,"punctuated_word":"happening.","sentiment":"neutral","sentiment_score":0.093008354306221},{"word":"it's","start":666.27496,"end":666.435,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.07113677263259888},{"word":"the","start":666.435,"end":666.675,"confidence":0.61865234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0731181725859642},{"word":"thing","start":666.675,"end":667.175,"confidence":1.0,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.10145329684019087},{"word":"yeah","start":669.795,"end":670.295,"confidence":0.9875488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.053070928901433945},{"word":"no","start":670.58997,"end":670.82996,"confidence":0.9707031,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.029010014608502388},{"word":"look","start":670.82996,"end":671.14996,"confidence":0.8808594,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":0.0027679577469825745},{"word":"honestly","start":671.14996,"end":671.55,"confidence":0.9980469,"punctuated_word":"Honestly,","sentiment":"neutral","sentiment_score":0.01693795621395111},{"word":"it's","start":671.55,"end":671.79,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06668377667665482},{"word":"a","start":671.79,"end":671.87,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08019717037677765},{"word":"really","start":671.87,"end":672.11,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.07467658817768097},{"word":"valid","start":672.11,"end":672.50995,"confidence":1.0,"punctuated_word":"valid","sentiment":"neutral","sentiment_score":0.08655568212270737},{"word":"question","start":672.50995,"end":672.99,"confidence":0.74658203,"punctuated_word":"question.","sentiment":"neutral","sentiment_score":0.08243279159069061},{"word":"and","start":672.99,"end":673.23,"confidence":0.93237305,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.08142342418432236},{"word":"essentially","start":673.23,"end":673.73,"confidence":1.0,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.06249023601412773},{"word":"you","start":674.11,"end":674.35,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07065429538488388},{"word":"can't","start":674.35,"end":674.58997,"confidence":0.9975586,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":0.03673546016216278},{"word":"sort","start":674.58997,"end":674.82996,"confidence":0.98291016,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.009413853287696838},{"word":"of","start":674.82996,"end":674.99,"confidence":0.7973633,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0002384856343269348},{"word":"stop","start":674.99,"end":675.23,"confidence":0.98535156,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":-0.0201331190764904},{"word":"contributions","start":675.23,"end":675.73,"confidence":0.99902344,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.028613556176424023},{"word":"going","start":675.87,"end":676.19,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.007766745984554291},{"word":"into","start":676.19,"end":676.43,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.016620896756649017},{"word":"your","start":676.43,"end":676.67,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.016792304813861847},{"word":"account","start":676.67,"end":676.99,"confidence":0.9975586,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.012935267761349678},{"word":"those","start":676.99,"end":677.31,"confidence":0.99316406,"punctuated_word":"Those","sentiment":"neutral","sentiment_score":0.0235432218760252},{"word":"employer","start":677.31,"end":677.70996,"confidence":0.9902344,"punctuated_word":"employer","sentiment":"neutral","sentiment_score":0.0424768328666687},{"word":"contributions","start":677.70996,"end":678.20996,"confidence":0.98535156,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.03301842510700226},{"word":"have","start":678.43,"end":678.67,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02289990708231926},{"word":"to","start":678.67,"end":678.75,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03600449487566948},{"word":"go","start":678.75,"end":678.91,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06007876619696617},{"word":"into","start":678.91,"end":679.14996,"confidence":0.99609375,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.044589415192604065},{"word":"your","start":679.14996,"end":679.47,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0427192859351635},{"word":"super","start":679.47,"end":679.97,"confidence":0.9050293,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.0605916827917099},{"word":"that","start":680.19,"end":680.43,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.07422880828380585},{"word":"is","start":680.43,"end":680.75,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06969719380140305},{"word":"mandated","start":680.75,"end":681.25,"confidence":0.9794922,"punctuated_word":"mandated.","sentiment":"neutral","sentiment_score":0.13583269715309143},{"word":"with","start":682.02997,"end":682.26996,"confidence":0.8491211,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.26401209831237793},{"word":"the","start":682.26996,"end":682.43,"confidence":0.95166016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23595020174980164},{"word":"projected","start":682.43,"end":682.91,"confidence":0.99902344,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":0.32871702313423157},{"word":"outcome","start":682.91,"end":683.31,"confidence":0.99609375,"punctuated_word":"outcome","sentiment":"neutral","sentiment_score":0.3205079138278961},{"word":"over","start":683.31,"end":683.55,"confidence":0.96972656,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.33721572160720825},{"word":"the","start":683.55,"end":683.70996,"confidence":0.97998047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2991562783718109},{"word":"next","start":683.70996,"end":683.865,"confidence":0.9248047,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.2373121976852417},{"word":"ten","start":683.945,"end":684.265,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.22401803731918335},{"word":"years","start":684.265,"end":684.58496,"confidence":0.9995117,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.26126059889793396},{"word":"we're","start":684.58496,"end":684.90497,"confidence":0.99902344,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.3884182870388031},{"word":"okay","start":684.90497,"end":685.145,"confidence":0.99853516,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.3872823715209961},{"word":"we're","start":685.145,"end":685.385,"confidence":0.9995117,"punctuated_word":"We're","sentiment":"positive","sentiment_score":0.3464529514312744},{"word":"sitting","start":685.385,"end":685.705,"confidence":0.9951172,"punctuated_word":"sitting","sentiment":"positive","sentiment_score":0.3894810378551483},{"word":"at","start":685.705,"end":685.865,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3519992232322693},{"word":"1.6","start":685.865,"end":686.58496,"confidence":0.9996745,"punctuated_word":"1.6","sentiment":"positive","sentiment_score":0.4073372185230255},{"word":"currently","start":686.58496,"end":686.985,"confidence":0.9838867,"punctuated_word":"currently","sentiment":"positive","sentiment_score":0.33351999521255493},{"word":"with","start":686.985,"end":687.145,"confidence":0.99902344,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3504336178302765},{"word":"the","start":687.145,"end":687.305,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2845277190208435},{"word":"projected","start":687.305,"end":687.805,"confidence":1.0,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":0.23277541995048523},{"word":"outcome","start":687.865,"end":688.265,"confidence":0.92041016,"punctuated_word":"outcome,","sentiment":"neutral","sentiment_score":0.23755964636802673},{"word":"and","start":688.265,"end":688.505,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21200241148471832},{"word":"that","start":688.505,"end":688.745,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2825066149234772},{"word":"is","start":688.745,"end":689.065,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.22929143905639648},{"word":"in","start":689.065,"end":689.225,"confidence":0.984375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.25784143805503845},{"word":"that's","start":689.46497,"end":689.705,"confidence":0.93066406,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.28751176595687866},{"word":"if","start":689.705,"end":689.865,"confidence":0.97998047,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.3070511817932129},{"word":"your","start":689.865,"end":690.105,"confidence":0.7763672,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.29094353318214417},{"word":"super","start":690.105,"end":690.505,"confidence":0.6411133,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.3109484910964966},{"word":"can","start":690.505,"end":690.665,"confidence":0.96435547,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.24773529171943665},{"word":"get","start":690.665,"end":690.90497,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.30590006709098816},{"word":"11.11","start":690.90497,"end":692.105,"confidence":0.99869794,"punctuated_word":"11.11","sentiment":"neutral","sentiment_score":0.3287479281425476},{"word":"every","start":692.105,"end":692.425,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.32558906078338623},{"word":"year","start":692.425,"end":692.925,"confidence":0.99853516,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.3022477328777313},{"word":"realistically","start":693.225,"end":693.725,"confidence":0.9996745,"punctuated_word":"Realistically,","sentiment":"positive","sentiment_score":0.3509569764137268},{"word":"you","start":694.265,"end":694.505,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4634111225605011},{"word":"could","start":694.505,"end":694.665,"confidence":1.0,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.4226289391517639},{"word":"be","start":694.665,"end":694.825,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4670190513134002},{"word":"on","start":694.825,"end":694.985,"confidence":0.99902344,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.47498589754104614},{"word":"track","start":694.985,"end":695.145,"confidence":1.0,"punctuated_word":"track","sentiment":"positive","sentiment_score":0.479125052690506},{"word":"for","start":695.145,"end":695.305,"confidence":0.86279297,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4810611605644226},{"word":"that","start":695.305,"end":695.46497,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4677221179008484},{"word":"even","start":695.46497,"end":695.705,"confidence":0.9614258,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.2900914251804352},{"word":"if","start":695.705,"end":695.785,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2818136215209961},{"word":"your","start":695.785,"end":696.02496,"confidence":0.94140625,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18956026434898376},{"word":"super","start":696.02496,"end":696.265,"confidence":0.99316406,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.22214530408382416},{"word":"doesn't","start":696.265,"end":696.505,"confidence":0.99853516,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.13940906524658203},{"word":"quite","start":696.505,"end":696.825,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.0946471095085144},{"word":"get","start":696.825,"end":696.985,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.17114928364753723},{"word":"it","start":696.985,"end":697.065,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14259301126003265},{"word":"because","start":697.065,"end":697.305,"confidence":0.6069336,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.15047849714756012},{"word":"you","start":697.305,"end":697.46497,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2207091748714447},{"word":"have","start":697.46497,"end":697.545,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.22009848058223724},{"word":"a","start":697.545,"end":697.705,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19502875208854675},{"word":"higher","start":697.705,"end":697.945,"confidence":0.99902344,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.1889140009880066},{"word":"balance","start":697.945,"end":698.31,"confidence":0.9633789,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.12987835705280304},{"word":"now","start":698.31,"end":698.55,"confidence":0.8317871,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.23019661009311676},{"word":"and","start":698.55,"end":698.79,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20958872139453888},{"word":"more","start":698.79,"end":699.02997,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.3020878732204437},{"word":"money","start":699.02997,"end":699.27,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.24456503987312317},{"word":"makes","start":699.27,"end":699.59,"confidence":0.99609375,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.18728817999362943},{"word":"more","start":699.59,"end":699.83,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.18275186419487},{"word":"money","start":699.83,"end":700.23,"confidence":0.99365234,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":0.1288367360830307},{"word":"but","start":700.23,"end":700.73,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0799875408411026},{"word":"what","start":700.87,"end":701.11,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.09145127981901167},{"word":"we","start":701.11,"end":701.27,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11337516456842422},{"word":"can","start":701.27,"end":701.51,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1415654420852661},{"word":"definitely","start":701.51,"end":701.91,"confidence":0.9980469,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.16368639469146729},{"word":"look","start":701.91,"end":702.15,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.16665759682655334},{"word":"at","start":702.15,"end":702.31,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1692982017993927},{"word":"doing","start":702.31,"end":702.81,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.1867634505033493},{"word":"is","start":703.19,"end":703.43,"confidence":0.9873047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1608865112066269},{"word":"we","start":703.43,"end":703.59,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1907699704170227},{"word":"can","start":703.59,"end":703.75,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.20554864406585693},{"word":"do","start":703.75,"end":703.91,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1981402039527893},{"word":"things","start":703.91,"end":704.15,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.1377241015434265},{"word":"like","start":704.15,"end":704.39,"confidence":0.9326172,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1244226023554802},{"word":"spousal","start":704.39,"end":704.79,"confidence":0.9947917,"punctuated_word":"spousal","sentiment":"neutral","sentiment_score":0.111160010099411},{"word":"splitting","start":704.79,"end":705.29,"confidence":0.9975586,"punctuated_word":"splitting.","sentiment":"neutral","sentiment_score":0.1155373752117157},{"word":"essentially","start":706.07,"end":706.57,"confidence":0.9042969,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.1321803629398346},{"word":"that","start":706.63,"end":706.87,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19177941977977753},{"word":"means","start":706.87,"end":707.02997,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.14012116193771362},{"word":"that","start":707.02997,"end":707.19,"confidence":0.9873047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13841769099235535},{"word":"you're","start":707.19,"end":707.43,"confidence":0.9975586,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.16500410437583923},{"word":"still","start":707.43,"end":707.67,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1556193083524704},{"word":"contributing","start":707.67,"end":708.17,"confidence":1.0,"punctuated_word":"contributing","sentiment":"neutral","sentiment_score":0.1094328761100769},{"word":"to","start":708.23,"end":708.39,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1283596158027649},{"word":"your","start":708.39,"end":708.71,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12008272111415864},{"word":"super","start":708.71,"end":709.21,"confidence":0.8444824,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.15973645448684692},{"word":"but","start":709.51,"end":709.75,"confidence":0.9863281,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.08810197561979294},{"word":"at","start":709.75,"end":709.83,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0939413532614708},{"word":"the","start":709.83,"end":709.99,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12276595830917358},{"word":"end","start":709.99,"end":710.15,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.15033316612243652},{"word":"of","start":710.15,"end":710.23,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1335398405790329},{"word":"each","start":710.23,"end":710.55,"confidence":0.99902344,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.11500595510005952},{"word":"financial","start":710.55,"end":711.05,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.06579167395830154},{"word":"year","start":711.19,"end":711.69,"confidence":0.9733887,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.04684404283761978},{"word":"correct","start":712.16504,"end":712.485,"confidence":0.8449707,"punctuated_word":"correct,","sentiment":"neutral","sentiment_score":0.10468672215938568},{"word":"we","start":712.485,"end":712.645,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12564371526241302},{"word":"can","start":712.645,"end":712.885,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13583847880363464},{"word":"transfer","start":712.885,"end":713.28503,"confidence":0.9980469,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.15212222933769226},{"word":"up","start":713.28503,"end":713.445,"confidence":0.9980469,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.4693927466869354},{"word":"to","start":713.445,"end":713.525,"confidence":0.9951172,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.568850040435791},{"word":"85%","start":713.525,"end":714.245,"confidence":0.99934894,"punctuated_word":"85%","sentiment":"positive","sentiment_score":0.6396580934524536},{"word":"of","start":714.245,"end":714.405,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5575290322303772},{"word":"that","start":714.405,"end":714.565,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6052918434143066},{"word":"year's","start":714.565,"end":714.885,"confidence":0.97314453,"punctuated_word":"year's","sentiment":"positive","sentiment_score":0.49524375796318054},{"word":"contributions","start":714.885,"end":715.385,"confidence":0.9980469,"punctuated_word":"contributions","sentiment":"positive","sentiment_score":0.385494202375412},{"word":"into","start":715.60504,"end":715.925,"confidence":0.99902344,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.4676735699176788},{"word":"your","start":715.925,"end":716.085,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4012959897518158},{"word":"partner's","start":716.085,"end":716.585,"confidence":0.9807129,"punctuated_word":"partner's","sentiment":"positive","sentiment_score":0.4371177554130554},{"word":"into","start":717.28503,"end":717.525,"confidence":0.99902344,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.4881037175655365},{"word":"your","start":717.525,"end":717.765,"confidence":0.9970703,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4370894730091095},{"word":"wife's","start":717.765,"end":718.085,"confidence":0.99560547,"punctuated_word":"wife's","sentiment":"positive","sentiment_score":0.4435652196407318},{"word":"super","start":718.085,"end":718.585,"confidence":0.91503906,"punctuated_word":"super,","sentiment":"positive","sentiment_score":0.4539438486099243},{"word":"and","start":718.72504,"end":718.965,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.452443927526474},{"word":"that","start":718.965,"end":719.205,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5844703912734985},{"word":"boosts","start":719.205,"end":719.60504,"confidence":0.9589844,"punctuated_word":"boosts","sentiment":"positive","sentiment_score":0.6335364580154419},{"word":"up","start":719.60504,"end":719.84503,"confidence":0.9980469,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.6518027782440186},{"word":"her","start":719.84503,"end":720.34503,"confidence":1.0,"punctuated_word":"her","sentiment":"positive","sentiment_score":0.6392036080360413},{"word":"super","start":720.72504,"end":721.125,"confidence":0.98828125,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.6470118761062622},{"word":"as","start":721.125,"end":721.365,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5342893004417419},{"word":"well","start":721.365,"end":721.865,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.49409255385398865},{"word":"we","start":721.925,"end":722.16504,"confidence":1.0,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.7691566944122314},{"word":"can","start":722.16504,"end":722.405,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.8235599994659424},{"word":"definitely","start":722.405,"end":722.805,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.8090375661849976},{"word":"look","start":722.805,"end":722.965,"confidence":1.0,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.8269150853157043},{"word":"at","start":722.965,"end":723.125,"confidence":0.99902344,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.8435667753219604},{"word":"doing","start":723.125,"end":723.365,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.8752071261405945},{"word":"that","start":723.365,"end":723.685,"confidence":0.99609375,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.8823499083518982},{"word":"every","start":723.685,"end":723.925,"confidence":1.0,"punctuated_word":"every","sentiment":"positive","sentiment_score":0.7527204751968384},{"word":"year","start":723.925,"end":724.085,"confidence":0.9499512,"punctuated_word":"year,","sentiment":"positive","sentiment_score":0.6629642844200134},{"word":"and","start":724.085,"end":724.325,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6007276773452759},{"word":"i'm","start":724.325,"end":724.565,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.8205851316452026},{"word":"absolutely","start":724.565,"end":725.04504,"confidence":0.9873047,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.7803980112075806},{"word":"happy","start":725.04504,"end":725.365,"confidence":0.8195801,"punctuated_word":"happy.","sentiment":"positive","sentiment_score":0.7396305203437805},{"word":"maybe","start":725.365,"end":725.60504,"confidence":0.99902344,"punctuated_word":"Maybe","sentiment":"positive","sentiment_score":0.45609116554260254},{"word":"the","start":725.60504,"end":725.765,"confidence":0.8881836,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4115305542945862},{"word":"next","start":725.765,"end":726.005,"confidence":1.0,"punctuated_word":"next","sentiment":"positive","sentiment_score":0.3619525134563446},{"word":"annual","start":726.005,"end":726.325,"confidence":0.99121094,"punctuated_word":"annual","sentiment":"positive","sentiment_score":0.4040583670139313},{"word":"review","start":726.325,"end":726.645,"confidence":0.90649414,"punctuated_word":"review,","sentiment":"positive","sentiment_score":0.3586008548736572},{"word":"we","start":726.645,"end":726.805,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.25922852754592896},{"word":"have","start":726.805,"end":727.04504,"confidence":0.9790039,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2051914185285568},{"word":"a","start":727.04504,"end":727.125,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16634312272071838},{"word":"look","start":727.125,"end":727.365,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.17692935466766355},{"word":"at","start":727.365,"end":727.445,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.21271958947181704},{"word":"that","start":727.445,"end":727.74,"confidence":0.99902344,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.2101002186536789},{"word":"i","start":727.89996,"end":728.06,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2781808078289032},{"word":"would","start":728.06,"end":728.22,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.27105921506881714},{"word":"also","start":728.22,"end":728.62,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.25000330805778503},{"word":"wanna","start":728.62,"end":728.86,"confidence":0.9980469,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.3131301999092102},{"word":"have","start":728.86,"end":728.94,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2615113854408264},{"word":"a","start":728.94,"end":729.02,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25472116470336914},{"word":"look","start":729.02,"end":729.26,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2124413549900055},{"word":"at","start":729.26,"end":729.33997,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2732948064804077},{"word":"her","start":729.33997,"end":729.58,"confidence":0.9941406,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.286024808883667},{"word":"super","start":729.58,"end":729.98,"confidence":0.7167969,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3559545576572418},{"word":"if","start":729.98,"end":730.14,"confidence":0.8173828,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.3090140223503113},{"word":"that's","start":730.14,"end":730.38,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.31602877378463745},{"word":"something","start":730.38,"end":730.7,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.3291049599647522},{"word":"she'd","start":730.7,"end":731.02,"confidence":0.99853516,"punctuated_word":"she'd","sentiment":"neutral","sentiment_score":0.306449830532074},{"word":"be","start":731.02,"end":731.18,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.3175010085105896},{"word":"open","start":731.18,"end":731.5,"confidence":0.9873047,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.2874312102794647},{"word":"to","start":731.5,"end":731.74,"confidence":0.99316406,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.35328638553619385},{"word":"maybe","start":731.74,"end":731.98,"confidence":0.5410156,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.309294193983078},{"word":"looking","start":731.98,"end":732.22,"confidence":0.9873047,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.2952137589454651},{"word":"at","start":732.22,"end":732.38,"confidence":0.9902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2961520254611969},{"word":"doing","start":732.38,"end":732.62,"confidence":0.9970703,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.30520734190940857},{"word":"it","start":732.62,"end":732.77997,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3289010524749756},{"word":"together","start":732.77997,"end":733.18,"confidence":1.0,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.29257819056510925},{"word":"as","start":733.18,"end":733.42,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2789977192878723},{"word":"a","start":733.42,"end":733.5,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2868269681930542},{"word":"joint","start":733.5,"end":733.82,"confidence":0.9921875,"punctuated_word":"joint","sentiment":"neutral","sentiment_score":0.29494625329971313},{"word":"piece","start":733.82,"end":734.06,"confidence":0.7871094,"punctuated_word":"piece.","sentiment":"neutral","sentiment_score":0.2180783450603485},{"word":"and","start":734.06,"end":734.54,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.016995202749967575},{"word":"it","start":734.54,"end":734.77997,"confidence":0.7480469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.010542791336774826},{"word":"i","start":734.86,"end":735.02,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04669992998242378},{"word":"don't","start":735.02,"end":735.26,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.017042357474565506},{"word":"have","start":735.26,"end":735.42,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.09726373106241226},{"word":"to","start":735.42,"end":735.58,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1036871150135994},{"word":"onboard","start":735.58,"end":735.98,"confidence":0.99121094,"punctuated_word":"onboard","sentiment":"neutral","sentiment_score":-0.037245865911245346},{"word":"her","start":735.98,"end":736.14,"confidence":1.0,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.04491519182920456},{"word":"to","start":736.14,"end":736.3,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02903878688812256},{"word":"do","start":736.3,"end":736.45996,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.01046992838382721},{"word":"it","start":736.45996,"end":736.54,"confidence":0.986084,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.019496172666549683},{"word":"but","start":736.54,"end":736.7,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.028502829372882843},{"word":"it","start":736.7,"end":736.86,"confidence":0.9921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09703131765127182},{"word":"is","start":736.86,"end":737.02,"confidence":0.94921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.125217005610466},{"word":"honestly","start":737.02,"end":737.5,"confidence":0.98291016,"punctuated_word":"honestly","sentiment":"neutral","sentiment_score":0.17456482350826263},{"word":"easy","start":737.5,"end":737.74,"confidence":0.9970703,"punctuated_word":"easy","sentiment":"neutral","sentiment_score":0.21536841988563535},{"word":"if","start":737.74,"end":737.89996,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07998217642307281},{"word":"we","start":737.89996,"end":737.98,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08692502230405807},{"word":"can","start":737.98,"end":738.14,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0991092398762703},{"word":"look","start":738.14,"end":738.38,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.018190056085586548},{"word":"at","start":738.38,"end":738.45996,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.003088131546974182},{"word":"her","start":738.45996,"end":738.62,"confidence":0.99902344,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.013815775513648989},{"word":"super","start":738.62,"end":738.94,"confidence":0.99121094,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.0942751169204712},{"word":"and","start":738.94,"end":739.1,"confidence":0.9658203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03750123828649521},{"word":"make","start":739.1,"end":739.26,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.007278352975845337},{"word":"sure","start":739.26,"end":739.5,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.0631127581000328},{"word":"it","start":739.5,"end":739.58,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16229376196861267},{"word":"is","start":739.58,"end":739.74,"confidence":0.92822266,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11132097244262695},{"word":"working","start":739.74,"end":740.06,"confidence":0.9941406,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.1492285430431366},{"word":"to","start":740.06,"end":740.22,"confidence":0.9633789,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14280477166175842},{"word":"its","start":740.22,"end":740.38,"confidence":0.95947266,"punctuated_word":"its","sentiment":"neutral","sentiment_score":0.040205217897892},{"word":"best","start":740.38,"end":740.62,"confidence":0.9970703,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.08455196768045425},{"word":"of","start":740.62,"end":740.77997,"confidence":0.9770508,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09474126249551772},{"word":"its","start":740.77997,"end":740.94,"confidence":0.97998047,"punctuated_word":"its","sentiment":"neutral","sentiment_score":0.012089118361473083},{"word":"ability","start":740.94,"end":741.42,"confidence":0.72216797,"punctuated_word":"ability","sentiment":"neutral","sentiment_score":0.07776950299739838},{"word":"as","start":741.42,"end":741.58,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.013450376689434052},{"word":"well","start":741.58,"end":742.065,"confidence":0.99902344,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.021585874259471893},{"word":"otherwise","start":742.305,"end":742.545,"confidence":0.9970703,"punctuated_word":"Otherwise,","sentiment":"neutral","sentiment_score":-0.16497589647769928},{"word":"i'm","start":742.545,"end":742.945,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.21650639176368713},{"word":"just","start":742.945,"end":743.185,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2214476317167282},{"word":"recommending","start":743.185,"end":743.54504,"confidence":0.9902344,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":-0.21416063606739044},{"word":"to","start":743.54504,"end":743.905,"confidence":0.37890625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.21313248574733737},{"word":"put","start":743.905,"end":744.145,"confidence":0.68066406,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.18701289594173431},{"word":"money","start":744.145,"end":744.545,"confidence":0.99121094,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.2247828245162964},{"word":"in","start":744.545,"end":745.045,"confidence":0.9970703,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":-0.16210171580314636},{"word":"yeah","start":746.945,"end":747.445,"confidence":0.9880371,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05575895309448242},{"word":"yep","start":751.745,"end":752.245,"confidence":0.751709,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0013878054451197386},{"word":"yeah","start":754.385,"end":754.865,"confidence":0.9650879,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.002735858783125878},{"word":"yeah","start":754.865,"end":755.365,"confidence":0.9291992,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0014349659904837608},{"word":"oh","start":755.67,"end":755.83,"confidence":0.91137695,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.007401669397950172},{"word":"that'll","start":755.83,"end":755.91,"confidence":0.7258301,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.011314626783132551},{"word":"be","start":755.91,"end":756.31,"confidence":0.984375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.004731353372335434},{"word":"art","start":756.31,"end":756.81,"confidence":0.6392822,"punctuated_word":"ART.","sentiment":"neutral","sentiment_score":0.011711999773979189},{"word":"that'll","start":756.87,"end":757.02997,"confidence":0.74365234,"punctuated_word":"That'll","sentiment":"neutral","sentiment_score":0.028672080487012863},{"word":"be","start":757.02997,"end":757.11,"confidence":0.9863281,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.022347092628479004},{"word":"australian","start":757.11,"end":757.58997,"confidence":0.97265625,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.04192839190363884},{"word":"retirement","start":757.58997,"end":757.99,"confidence":0.9199219,"punctuated_word":"Retirement","sentiment":"neutral","sentiment_score":0.047489963471889496},{"word":"trust","start":757.99,"end":758.39,"confidence":0.99902344,"punctuated_word":"Trust","sentiment":"neutral","sentiment_score":0.05036300420761109},{"word":"now","start":758.39,"end":758.89,"confidence":0.99365234,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.0431741327047348},{"word":"yeah","start":759.02997,"end":759.52997,"confidence":0.907959,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.008354969322681427},{"word":"yeah","start":760.79,"end":761.27,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04698227345943451},{"word":"you're","start":761.27,"end":761.51,"confidence":0.9904785,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.21403150260448456},{"word":"right","start":761.51,"end":762.01,"confidence":0.99902344,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.22593969106674192},{"word":"yep","start":762.31,"end":762.81,"confidence":0.8354492,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1122749000787735},{"word":"yep","start":770.55,"end":770.865,"confidence":0.7866211,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.07205896824598312},{"word":"yeah","start":775.58496,"end":776.08496,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03569053113460541},{"word":"yeah","start":788.24,"end":788.74,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1140676885843277},{"word":"yep","start":788.8,"end":789.3,"confidence":0.9562988,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.24569886922836304},{"word":"yes","start":797.76,"end":798.165,"confidence":0.99902344,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.162860706448555},{"word":"yep","start":807.76495,"end":808.26495,"confidence":0.99316406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06207376718521118},{"word":"yep","start":810.565,"end":811.065,"confidence":0.9863281,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0546673946082592},{"word":"no","start":823.13,"end":823.63,"confidence":0.7980957,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2886807918548584},{"word":"yeah","start":830.945,"end":831.445,"confidence":0.9758301,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04928027093410492},{"word":"with","start":832.145,"end":832.645,"confidence":0.9902344,"punctuated_word":"With","sentiment":"neutral","sentiment_score":-0.05121353268623352},{"word":"with","start":833.34503,"end":833.745,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.06574275344610214},{"word":"the","start":833.745,"end":833.985,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08738324791193008},{"word":"the","start":833.985,"end":834.22504,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09332266449928284},{"word":"debt","start":834.22504,"end":834.465,"confidence":0.8996582,"punctuated_word":"debt,","sentiment":"neutral","sentiment_score":-0.1138128936290741},{"word":"is","start":834.465,"end":834.625,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.08665270358324051},{"word":"that","start":834.625,"end":834.78503,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10989066958427428},{"word":"just","start":834.78503,"end":835.025,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.11350324749946594},{"word":"like","start":835.025,"end":835.34503,"confidence":0.69091797,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.11484561860561372},{"word":"a","start":835.34503,"end":835.385,"confidence":0.5048828,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1024162769317627},{"word":"an","start":835.425,"end":835.585,"confidence":0.9580078,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.10749413073062895},{"word":"aco","start":835.585,"end":835.985,"confidence":0.46325684,"punctuated_word":"ACO","sentiment":"neutral","sentiment_score":-0.08896558731794357},{"word":"tax","start":835.985,"end":836.305,"confidence":0.9707031,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.07515350729227066},{"word":"debt","start":836.305,"end":836.54504,"confidence":0.73461914,"punctuated_word":"debt,","sentiment":"neutral","sentiment_score":-0.11631061881780624},{"word":"or","start":836.54504,"end":836.705,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.12349581718444824},{"word":"are","start":836.705,"end":836.78503,"confidence":0.8076172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.12415450811386108},{"word":"you","start":836.78503,"end":836.945,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.15835963189601898},{"word":"now","start":836.945,"end":837.265,"confidence":0.99609375,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.17834819853305817},{"word":"liable","start":837.265,"end":837.66504,"confidence":1.0,"punctuated_word":"liable","sentiment":"neutral","sentiment_score":-0.1229039654135704},{"word":"for","start":837.66504,"end":837.825,"confidence":0.9641113,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":-0.14266499876976013},{"word":"like","start":837.825,"end":837.985,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.13620159029960632},{"word":"div","start":837.985,"end":838.305,"confidence":0.8071289,"punctuated_word":"DIV","sentiment":"neutral","sentiment_score":-0.1022091507911682},{"word":"two","start":838.305,"end":838.54504,"confidence":0.9970703,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.09428457170724867},{"word":"nine","start":838.54504,"end":838.865,"confidence":0.9921875,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":-0.08276347815990448},{"word":"three","start":838.865,"end":839.265,"confidence":0.99609375,"punctuated_word":"three?","sentiment":"neutral","sentiment_score":-0.08609500527381897},{"word":"what","start":839.265,"end":839.505,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.047772571444511414},{"word":"does","start":839.505,"end":839.66504,"confidence":0.58154297,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.08029748499393463},{"word":"the","start":839.66504,"end":839.825,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06621537357568741},{"word":"account","start":839.825,"end":840.22504,"confidence":0.98095703,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.09045581519603728},{"word":"say","start":840.22504,"end":840.465,"confidence":0.9970703,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.07677361369132996},{"word":"about","start":840.465,"end":840.705,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.08143802732229233},{"word":"it","start":840.705,"end":841.02,"confidence":0.9995117,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.08227436244487762},{"word":"alright","start":844.86005,"end":845.36005,"confidence":0.95751953,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":-0.02271280810236931},{"word":"right","start":845.66003,"end":846.16003,"confidence":0.99902344,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":-0.01324385404586792},{"word":"yep","start":847.82,"end":848.32,"confidence":0.99658203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.06829142570495605},{"word":"yep","start":851.02,"end":851.52,"confidence":0.98950195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.13005337119102478},{"word":"okay","start":865.74,"end":866.24,"confidence":0.8183594,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.04835006967186928},{"word":"what's","start":866.3,"end":866.78,"confidence":0.99902344,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":-0.0653633326292038},{"word":"the","start":866.78,"end":866.94,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.090899720788002},{"word":"total","start":866.94,"end":867.34,"confidence":1.0,"punctuated_word":"total","sentiment":"neutral","sentiment_score":-0.04123841971158981},{"word":"income","start":867.34,"end":867.82,"confidence":0.9995117,"punctuated_word":"income?","sentiment":"neutral","sentiment_score":-0.040696144104003906},{"word":"how","start":867.82,"end":867.98,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.03427154943346977},{"word":"much","start":867.98,"end":868.22003,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.03579864650964737},{"word":"does","start":868.22003,"end":868.3,"confidence":0.9951172,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.04209842532873154},{"word":"it","start":868.3,"end":868.46,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.027641568332910538},{"word":"look","start":868.46,"end":868.7,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.025763124227523804},{"word":"like","start":868.7,"end":868.86,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.03608362376689911},{"word":"it's","start":868.86,"end":869.10004,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.03863464295864105},{"word":"gonna","start":869.10004,"end":869.34,"confidence":0.99316406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.06569605320692062},{"word":"be","start":869.34,"end":869.84,"confidence":1.0,"punctuated_word":"be?","sentiment":"neutral","sentiment_score":-0.05316366255283356},{"word":"okay","start":882.365,"end":882.685,"confidence":0.8562012,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04006120190024376},{"word":"yeah","start":882.685,"end":883.005,"confidence":0.9904785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03911765292286873},{"word":"because","start":883.005,"end":883.325,"confidence":0.99316406,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.024291088804602623},{"word":"if","start":883.325,"end":883.485,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.027286335825920105},{"word":"it's","start":883.485,"end":883.725,"confidence":0.9760742,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.014990555122494698},{"word":"if","start":883.725,"end":883.885,"confidence":0.9838867,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.010458892211318016},{"word":"it's","start":883.885,"end":884.385,"confidence":0.9946289,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.004432186484336853},{"word":"triggering","start":884.605,"end":885.105,"confidence":0.9902344,"punctuated_word":"triggering","sentiment":"neutral","sentiment_score":0.0032018874771893024},{"word":"dev","start":885.165,"end":885.485,"confidence":0.43432617,"punctuated_word":"dev","sentiment":"neutral","sentiment_score":0.013671123422682284},{"word":"two","start":885.485,"end":885.985,"confidence":0.9667969,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.01557164266705513},{"word":"two","start":886.045,"end":886.205,"confidence":0.9892578,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.014183565974235536},{"word":"nine","start":886.205,"end":886.705,"confidence":0.9589844,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.013744568452239037},{"word":"two","start":887.005,"end":887.40497,"confidence":0.6323242,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.010365605354309082},{"word":"two","start":887.40497,"end":887.565,"confidence":0.9667969,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.010632101446390152},{"word":"nine","start":887.565,"end":887.885,"confidence":0.9941406,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.005565430968999863},{"word":"three","start":887.885,"end":888.205,"confidence":0.99902344,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.005769301205873489},{"word":"tax","start":888.205,"end":888.605,"confidence":0.9824219,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":0.018536988645792007},{"word":"which","start":888.605,"end":888.845,"confidence":0.9980469,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.010919220745563509},{"word":"is","start":888.845,"end":889.085,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.005321970209479332},{"word":"the","start":889.085,"end":889.485,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01216977834701538},{"word":"tax","start":889.485,"end":889.805,"confidence":0.9951172,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.04215802997350693},{"word":"that","start":889.805,"end":889.965,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.018685873597860336},{"word":"you","start":889.965,"end":890.205,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017051735892891884},{"word":"pay","start":890.205,"end":890.445,"confidence":0.9333496,"punctuated_word":"pay,","sentiment":"neutral","sentiment_score":0.015536494553089142},{"word":"it's","start":890.445,"end":890.685,"confidence":0.8972168,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.012475458905100822},{"word":"the","start":890.685,"end":890.845,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.016200920566916466},{"word":"extra","start":890.845,"end":891.085,"confidence":0.9941406,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.009709946811199188},{"word":"15%","start":891.085,"end":891.805,"confidence":0.99609375,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":0.028340376913547516},{"word":"on","start":891.805,"end":891.965,"confidence":0.4650879,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03263060003519058},{"word":"super","start":891.965,"end":892.17,"confidence":0.8432617,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.02586549147963524},{"word":"contributions","start":892.41,"end":892.73,"confidence":0.9951172,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.021290868520736694},{"word":"and","start":892.73,"end":892.97,"confidence":0.9428711,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.020288825035095215},{"word":"the","start":892.97,"end":893.13,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.021084748208522797},{"word":"additional","start":893.13,"end":893.52997,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.0009442493319511414},{"word":"tax","start":893.52997,"end":893.76996,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.025620892643928528},{"word":"that","start":893.76996,"end":894.01,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01358933374285698},{"word":"you","start":894.01,"end":894.08997,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.010042749345302582},{"word":"pay","start":894.08997,"end":894.32996,"confidence":0.9863281,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.0027898401021957397},{"word":"for","start":894.32996,"end":894.57,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.00929919257760048},{"word":"earning","start":894.57,"end":894.81,"confidence":0.9980469,"punctuated_word":"earning","sentiment":"neutral","sentiment_score":0.0012100264430046082},{"word":"over","start":894.81,"end":895.13,"confidence":0.99609375,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.005187142640352249},{"word":"250,000","start":895.13,"end":896.67,"confidence":0.9754394,"punctuated_word":"250,000.","sentiment":"neutral","sentiment_score":0.0044857896864414215},{"word":"speak","start":897.52997,"end":897.85,"confidence":0.79248047,"punctuated_word":"Speak","sentiment":"neutral","sentiment_score":0.012341897003352642},{"word":"to","start":897.85,"end":897.93,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.045345619320869446},{"word":"an","start":897.93,"end":898.17,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.03951475769281387},{"word":"accountant","start":898.17,"end":898.64996,"confidence":0.9790039,"punctuated_word":"accountant","sentiment":"neutral","sentiment_score":0.03169497475028038},{"word":"because","start":898.64996,"end":898.97,"confidence":0.8051758,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.030109953135252},{"word":"it","start":898.97,"end":899.13,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.036365292966365814},{"word":"is","start":899.13,"end":899.29,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.032149866223335266},{"word":"if","start":899.37,"end":899.52997,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03881978616118431},{"word":"it's","start":899.52997,"end":899.76996,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0273947324603796},{"word":"triggering","start":899.76996,"end":900.25,"confidence":0.99609375,"punctuated_word":"triggering","sentiment":"neutral","sentiment_score":0.0267205648124218},{"word":"div","start":900.25,"end":900.57,"confidence":0.19628906,"punctuated_word":"div","sentiment":"neutral","sentiment_score":0.035142432898283005},{"word":"two","start":900.57,"end":900.73,"confidence":0.9970703,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.044775255024433136},{"word":"nine","start":900.73,"end":901.05,"confidence":0.97998047,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.03232426568865776},{"word":"three","start":901.05,"end":901.37,"confidence":0.9941406,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.036005668342113495},{"word":"tax","start":901.37,"end":901.76996,"confidence":0.99365234,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":0.049514494836330414},{"word":"you","start":901.76996,"end":902.08997,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04465322196483612},{"word":"can","start":902.08997,"end":902.57,"confidence":0.99316406,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03371776267886162},{"word":"elect","start":902.57,"end":902.88995,"confidence":0.9892578,"punctuated_word":"elect","sentiment":"neutral","sentiment_score":0.04069547355175018},{"word":"to","start":902.88995,"end":902.97,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.020979583263397217},{"word":"have","start":902.97,"end":903.13,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.016489315778017044},{"word":"that","start":903.13,"end":903.37,"confidence":0.9902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.012888405472040176},{"word":"tax","start":903.37,"end":903.69,"confidence":0.9790039,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.04038732498884201},{"word":"paid","start":903.69,"end":903.85,"confidence":0.9838867,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.03042316809296608},{"word":"out","start":903.85,"end":904.01,"confidence":0.96533203,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.016612615436315536},{"word":"of","start":904.01,"end":904.17,"confidence":0.98095703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.001980118453502655},{"word":"your","start":904.17,"end":904.32996,"confidence":0.9165039,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.00667494535446167},{"word":"super","start":904.32996,"end":904.665,"confidence":0.9650879,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.007790923118591309},{"word":"yeah","start":907.065,"end":907.565,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13070538640022278},{"word":"so","start":907.625,"end":907.865,"confidence":0.6381836,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.18344303965568545},{"word":"that","start":907.865,"end":908.02496,"confidence":0.9707031,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2177136093378067},{"word":"might","start":908.02496,"end":908.26495,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.1921062171459198},{"word":"alleviate","start":908.26495,"end":908.745,"confidence":0.99902344,"punctuated_word":"alleviate","sentiment":"neutral","sentiment_score":0.17332880198955536},{"word":"a","start":908.745,"end":908.82495,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17832602560520172},{"word":"little","start":908.82495,"end":908.985,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.18904542922973633},{"word":"bit","start":908.985,"end":909.14496,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.16324037313461304},{"word":"of","start":909.14496,"end":909.225,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2022251933813095},{"word":"pressure","start":909.225,"end":909.70496,"confidence":0.814209,"punctuated_word":"pressure,","sentiment":"neutral","sentiment_score":0.1472681164741516},{"word":"but","start":909.70496,"end":910.02496,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.16088470816612244},{"word":"make","start":910.02496,"end":910.26495,"confidence":0.95703125,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.10093607753515244},{"word":"sure","start":910.26495,"end":910.58496,"confidence":0.9892578,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.13375109434127808},{"word":"you","start":910.58496,"end":910.745,"confidence":0.94384766,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14444613456726074},{"word":"go","start":910.745,"end":910.90497,"confidence":0.84716797,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.19949042797088623},{"word":"and","start":910.90497,"end":911.065,"confidence":0.9506836,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16035309433937073},{"word":"speak","start":911.065,"end":911.305,"confidence":0.9863281,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":0.11690623313188551},{"word":"to","start":911.305,"end":911.38495,"confidence":0.97802734,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11295518279075624},{"word":"your","start":911.38495,"end":911.545,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11033105105161668},{"word":"accountant","start":911.545,"end":911.945,"confidence":0.77734375,"punctuated_word":"accountant","sentiment":"neutral","sentiment_score":0.11267229914665222},{"word":"first","start":911.945,"end":912.26495,"confidence":0.8071289,"punctuated_word":"first,","sentiment":"neutral","sentiment_score":0.15607430040836334},{"word":"get","start":912.26495,"end":912.425,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.15533286333084106},{"word":"them","start":912.425,"end":912.665,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.1239568293094635},{"word":"to","start":912.665,"end":912.745,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16983240842819214},{"word":"run","start":912.745,"end":912.985,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.13599155843257904},{"word":"the","start":912.985,"end":913.14496,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12087789177894592},{"word":"numbers","start":913.14496,"end":913.625,"confidence":0.83251953,"punctuated_word":"numbers,","sentiment":"neutral","sentiment_score":0.1383151262998581},{"word":"and","start":913.625,"end":913.865,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09812960028648376},{"word":"confirm","start":913.865,"end":914.365,"confidence":0.9863281,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.10280106961727142},{"word":"if","start":914.82495,"end":915.065,"confidence":0.9838867,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13727854192256927},{"word":"it's","start":915.065,"end":915.38495,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.11740247905254364},{"word":"just","start":915.38495,"end":915.88495,"confidence":0.82788086,"punctuated_word":"just,","sentiment":"neutral","sentiment_score":0.10884016752243042},{"word":"you","start":915.945,"end":916.02496,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07164059579372406},{"word":"know","start":916.02496,"end":916.345,"confidence":0.9086914,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0644494965672493},{"word":"you","start":916.345,"end":916.505,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04946739971637726},{"word":"haven't","start":916.505,"end":916.82495,"confidence":1.0,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.04145622253417969},{"word":"paid","start":916.82495,"end":917.065,"confidence":0.9980469,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.01970901340246201},{"word":"enough","start":917.065,"end":917.225,"confidence":1.0,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.001750648021697998},{"word":"tax","start":917.225,"end":917.46497,"confidence":0.54382324,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":0.04663600027561188},{"word":"and","start":917.46497,"end":917.625,"confidence":0.9707031,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.055345017462968826},{"word":"there's","start":917.625,"end":917.785,"confidence":0.7397461,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.05796460062265396},{"word":"just","start":917.785,"end":917.945,"confidence":0.78808594,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06630580872297287},{"word":"a","start":917.945,"end":918.105,"confidence":0.9589844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05007185414433479},{"word":"normal","start":918.105,"end":918.425,"confidence":0.9980469,"punctuated_word":"normal","sentiment":"neutral","sentiment_score":0.05747094005346298},{"word":"ato","start":918.425,"end":918.90497,"confidence":0.97265625,"punctuated_word":"ATO","sentiment":"neutral","sentiment_score":0.030862601473927494},{"word":"tax","start":918.90497,"end":919.225,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.034206923097372055},{"word":"bill","start":919.225,"end":919.725,"confidence":0.91430664,"punctuated_word":"bill.","sentiment":"neutral","sentiment_score":0.04132669419050217},{"word":"like","start":920.36,"end":920.68,"confidence":0.9592285,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.05041376128792763},{"word":"self","start":920.68,"end":920.92,"confidence":0.98828125,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.05710449814796448},{"word":"employed","start":920.92,"end":921.24,"confidence":0.99902344,"punctuated_word":"employed","sentiment":"neutral","sentiment_score":0.05981330946087837},{"word":"people","start":921.24,"end":921.48,"confidence":0.9716797,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.04630425572395325},{"word":"tend","start":921.48,"end":921.72,"confidence":1.0,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":0.04128051921725273},{"word":"to","start":921.72,"end":921.88,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0334167517721653},{"word":"get","start":921.88,"end":922.12,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.02661251276731491},{"word":"a","start":922.12,"end":922.27997,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.022393396124243736},{"word":"tax","start":922.27997,"end":922.44,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.03105807676911354},{"word":"bill","start":922.44,"end":922.68,"confidence":0.9838867,"punctuated_word":"bill","sentiment":"neutral","sentiment_score":0.03391104191541672},{"word":"instead","start":922.68,"end":923.0,"confidence":0.9951172,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.0042023733258247375},{"word":"of","start":923.0,"end":923.08,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0007972791790962219},{"word":"paying","start":923.08,"end":923.32,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.046110108494758606},{"word":"tax","start":923.32,"end":923.56,"confidence":0.98291016,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.023311562836170197},{"word":"on","start":923.56,"end":923.72,"confidence":0.6303711,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0449504628777504},{"word":"a","start":923.72,"end":923.8,"confidence":0.7402344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.049205098301172256},{"word":"regular","start":923.8,"end":924.12,"confidence":1.0,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.01861351728439331},{"word":"basis","start":924.12,"end":924.62,"confidence":0.9604492,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":0.018434759229421616},{"word":"but","start":925.0,"end":925.24,"confidence":0.9506836,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.054878607392311096},{"word":"if","start":925.24,"end":925.39996,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0935574546456337},{"word":"it","start":925.39996,"end":925.48,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10297473520040512},{"word":"is","start":925.48,"end":925.72,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07486322522163391},{"word":"related","start":925.72,"end":926.04,"confidence":1.0,"punctuated_word":"related","sentiment":"neutral","sentiment_score":0.08274797350168228},{"word":"to","start":926.04,"end":926.2,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11821368336677553},{"word":"div","start":926.2,"end":926.51996,"confidence":0.6994629,"punctuated_word":"DIV","sentiment":"neutral","sentiment_score":0.07201382517814636},{"word":"two","start":926.51996,"end":926.76,"confidence":0.99121094,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.07867927849292755},{"word":"nine","start":926.76,"end":927.08,"confidence":0.9921875,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.06166104972362518},{"word":"three","start":927.08,"end":927.56,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.07598651200532913},{"word":"and","start":927.56,"end":927.72,"confidence":0.78759766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07477603852748871},{"word":"it's","start":927.72,"end":927.95996,"confidence":0.9970703,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07451380044221878},{"word":"because","start":927.95996,"end":928.27997,"confidence":0.9980469,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.06199176609516144},{"word":"you've","start":928.27997,"end":928.51996,"confidence":0.97021484,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.09107109159231186},{"word":"earned","start":928.51996,"end":928.76,"confidence":0.94189453,"punctuated_word":"earned","sentiment":"neutral","sentiment_score":0.11548638343811037},{"word":"over","start":928.76,"end":929.0,"confidence":0.9902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.104388490319252},{"word":"250,000","start":929.0,"end":930.44,"confidence":0.9986328,"punctuated_word":"250,000","sentiment":"neutral","sentiment_score":0.12387709319591522},{"word":"for","start":930.44,"end":930.6,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10826486349105836},{"word":"the","start":930.6,"end":930.76,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07522876560688019},{"word":"year","start":930.76,"end":931.26,"confidence":0.9970703,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.0929853543639183},{"word":"bring","start":931.56,"end":931.8,"confidence":0.9941406,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.06553160399198532},{"word":"that","start":931.8,"end":931.95996,"confidence":0.6015625,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08894919604063034},{"word":"up","start":931.95996,"end":932.04,"confidence":0.9921875,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.08432942628860474},{"word":"with","start":932.04,"end":932.2,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1021990180015564},{"word":"the","start":932.2,"end":932.36,"confidence":0.95166016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09801171720027924},{"word":"accountant","start":932.36,"end":932.86,"confidence":0.93359375,"punctuated_word":"accountant","sentiment":"neutral","sentiment_score":0.08412288129329681},{"word":"because","start":933.0,"end":933.5,"confidence":0.89160156,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.09508246183395386},{"word":"essentially","start":933.56,"end":934.04,"confidence":1.0,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.09573470056056976},{"word":"you","start":934.04,"end":934.2,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14081312716007233},{"word":"can","start":934.2,"end":934.44,"confidence":0.98535156,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1138514056801796},{"word":"elect","start":934.44,"end":934.845,"confidence":0.9873047,"punctuated_word":"elect","sentiment":"neutral","sentiment_score":0.12290287017822266},{"word":"for","start":934.925,"end":935.08496,"confidence":0.9589844,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12112784385681152},{"word":"div","start":935.08496,"end":935.32495,"confidence":0.6208496,"punctuated_word":"DIV","sentiment":"neutral","sentiment_score":0.09483319520950316},{"word":"two","start":935.32495,"end":935.485,"confidence":0.98828125,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.10535849630832672},{"word":"nine","start":935.485,"end":935.725,"confidence":0.9873047,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.0801202654838562},{"word":"three","start":935.725,"end":935.88495,"confidence":0.9458008,"punctuated_word":"three.","sentiment":"neutral","sentiment_score":0.09881525486707687},{"word":"you","start":935.88495,"end":936.045,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.10909510403871536},{"word":"can","start":936.045,"end":936.20496,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.113699309527874},{"word":"elect","start":936.20496,"end":936.44495,"confidence":1.0,"punctuated_word":"elect","sentiment":"neutral","sentiment_score":0.16246896982192993},{"word":"to","start":936.44495,"end":936.52496,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15098875761032104},{"word":"have","start":936.52496,"end":936.685,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14277145266532898},{"word":"it","start":936.685,"end":936.76495,"confidence":0.94921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15111123025417328},{"word":"paid","start":936.76495,"end":937.00494,"confidence":0.98535156,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.1391855031251907},{"word":"out","start":937.00494,"end":937.165,"confidence":0.9951172,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.16598963737487793},{"word":"of","start":937.165,"end":937.245,"confidence":0.88427734,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11597149074077606},{"word":"your","start":937.245,"end":937.485,"confidence":0.9604492,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09760046005249023},{"word":"super","start":937.485,"end":937.805,"confidence":0.8100586,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.13028265535831451},{"word":"fund","start":937.805,"end":938.305,"confidence":0.7055664,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.07557551562786102},{"word":"and","start":938.44495,"end":938.685,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08003412187099457},{"word":"as","start":938.685,"end":938.845,"confidence":0.9921875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14309370517730713},{"word":"much","start":938.845,"end":939.00494,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.11058636754751204},{"word":"as","start":939.00494,"end":939.08496,"confidence":0.9892578,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1012650802731514},{"word":"it's","start":939.08496,"end":939.245,"confidence":0.9941406,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06286384910345078},{"word":"not","start":939.245,"end":939.40497,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.03656376898288727},{"word":"always","start":939.40497,"end":939.64496,"confidence":0.99902344,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.08650140464305878},{"word":"fun","start":939.64496,"end":939.88495,"confidence":0.9741211,"punctuated_word":"fun","sentiment":"neutral","sentiment_score":-0.1432437002658844},{"word":"to","start":939.88495,"end":939.96497,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06148526072502136},{"word":"take","start":939.96497,"end":940.20496,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.05404925346374512},{"word":"extra","start":940.20496,"end":940.44495,"confidence":0.9980469,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.08633220195770264},{"word":"money","start":940.44495,"end":940.685,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.049058109521865845},{"word":"out","start":940.685,"end":940.845,"confidence":0.89453125,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.04201580584049225},{"word":"of","start":940.845,"end":941.00494,"confidence":0.98291016,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08275716751813889},{"word":"super","start":941.00494,"end":941.32495,"confidence":0.97021484,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.14238418638706207},{"word":"it","start":941.32495,"end":941.485,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.23522111773490903},{"word":"might","start":941.485,"end":941.725,"confidence":0.99902344,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.19373372197151184},{"word":"just","start":941.725,"end":941.88495,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.20287013053894043},{"word":"alleviate","start":941.88495,"end":942.365,"confidence":0.9970703,"punctuated_word":"alleviate","sentiment":"neutral","sentiment_score":0.1276974380016327},{"word":"that","start":942.365,"end":942.52496,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1042366474866867},{"word":"little","start":942.52496,"end":942.685,"confidence":0.98291016,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.09334632754325868},{"word":"bit","start":942.685,"end":942.845,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06333351135253906},{"word":"of","start":942.845,"end":943.00494,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.060484230518341064},{"word":"pressure","start":943.00494,"end":943.32495,"confidence":1.0,"punctuated_word":"pressure","sentiment":"neutral","sentiment_score":0.019444763660430908},{"word":"for","start":943.32495,"end":943.485,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13298797607421875},{"word":"you","start":943.485,"end":943.725,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07550297677516937},{"word":"if","start":943.725,"end":943.88495,"confidence":0.9863281,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13930471241474152},{"word":"you're","start":943.88495,"end":944.125,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.12287573516368866},{"word":"able","start":944.125,"end":944.365,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.1222654953598976},{"word":"to","start":944.365,"end":944.44495,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1128733605146408},{"word":"do","start":944.44495,"end":944.605,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06783264875411987},{"word":"it","start":944.605,"end":944.76495,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08765061944723129},{"word":"that","start":944.76495,"end":944.925,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08969473838806152},{"word":"way","start":944.925,"end":945.165,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.12181364744901656},{"word":"and","start":945.165,"end":945.32495,"confidence":0.78564453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.051486000418663025},{"word":"if","start":945.32495,"end":945.485,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05897069349884987},{"word":"it","start":945.485,"end":945.56494,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04646153002977371},{"word":"is","start":945.56494,"end":945.88495,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.025500070303678513},{"word":"div293","start":945.88495,"end":947.00494,"confidence":0.99430335,"punctuated_word":"DIV293.","sentiment":"neutral","sentiment_score":0.021761570125818253},{"word":"so","start":947.00494,"end":947.4,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04219968989491463},{"word":"that","start":947.56,"end":947.80005,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3055262267589569},{"word":"might","start":947.80005,"end":947.88,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.2674258351325989},{"word":"be","start":947.88,"end":948.04004,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2520607113838196},{"word":"one","start":948.04004,"end":948.28,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.26665011048316956},{"word":"thing","start":948.28,"end":948.52,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.28808456659317017},{"word":"to","start":948.52,"end":948.60004,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26868268847465515},{"word":"chat","start":948.60004,"end":948.84,"confidence":0.43286133,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.22656191885471344},{"word":"to","start":948.84,"end":948.92004,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26288583874702454},{"word":"an","start":948.92004,"end":949.08,"confidence":0.9873047,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.2397223263978958},{"word":"account","start":949.08,"end":949.32,"confidence":0.5986328,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.20086053013801575},{"word":"in","start":949.32,"end":949.48004,"confidence":0.71728516,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21856340765953064},{"word":"about","start":949.48004,"end":949.88,"confidence":0.81933594,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.27174219489097595},{"word":"to","start":949.88,"end":950.04004,"confidence":0.9633789,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2747066020965576},{"word":"give","start":950.04004,"end":950.2,"confidence":0.9980469,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.306954562664032},{"word":"you","start":950.2,"end":950.52,"confidence":0.8642578,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.34692734479904175},{"word":"hopefully","start":950.52,"end":951.0,"confidence":0.99902344,"punctuated_word":"hopefully,","sentiment":"positive","sentiment_score":0.4670060575008392},{"word":"some","start":951.0,"end":951.24005,"confidence":1.0,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.367161363363266},{"word":"good","start":951.24005,"end":951.48004,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.34913700819015503},{"word":"news","start":951.48004,"end":951.98004,"confidence":0.99902344,"punctuated_word":"news.","sentiment":"neutral","sentiment_score":0.2569287121295929},{"word":"yes","start":957.4,"end":957.9,"confidence":0.9609375,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.24372273683547976},{"word":"yeah","start":958.12,"end":958.44,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2429903745651245},{"word":"definitely","start":958.44,"end":958.94,"confidence":1.0,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":0.2964716851711273},{"word":"absolutely","start":960.995,"end":961.495,"confidence":0.9848633,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":-0.010530631989240646},{"word":"yes","start":971.315,"end":971.815,"confidence":0.97314453,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.07166823744773865},{"word":"yeah","start":973.475,"end":973.975,"confidence":0.967041,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05065932497382164},{"word":"yeah","start":975.89996,"end":976.39996,"confidence":0.90771484,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.024957720190286636},{"word":"yeah","start":978.22,"end":978.72,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.2671315371990204},{"word":"yeah","start":982.77997,"end":982.93994,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04772919416427612},{"word":"no","start":982.93994,"end":983.43994,"confidence":0.9946289,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.3782693147659302},{"word":"no","start":983.74,"end":984.22,"confidence":1.0,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.4033634066581726},{"word":"no","start":984.22,"end":984.72,"confidence":1.0,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.3940412402153015},{"word":"no","start":985.33997,"end":985.83997,"confidence":0.9970703,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2025945782661438},{"word":"i","start":986.22,"end":986.45996,"confidence":0.96972656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18201805651187897},{"word":"understand","start":986.45996,"end":986.93994,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":-0.132030189037323},{"word":"that","start":986.93994,"end":987.18,"confidence":0.9885254,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.15354034304618835},{"word":"we","start":987.18,"end":987.33997,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.1904771327972412},{"word":"do","start":987.33997,"end":987.5,"confidence":0.8569336,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.15084853768348694},{"word":"that","start":987.5,"end":987.74,"confidence":0.9482422,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.18854986131191256},{"word":"a","start":987.74,"end":987.81995,"confidence":0.8144531,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.16097235679626465},{"word":"a","start":987.81995,"end":987.98,"confidence":0.85546875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2225441187620163},{"word":"lot","start":987.98,"end":988.13995,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.18707719445228577},{"word":"of","start":988.13995,"end":988.3,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2222982943058014},{"word":"that","start":988.3,"end":988.45996,"confidence":0.94677734,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.3320119380950928},{"word":"unfortunately","start":988.45996,"end":988.95996,"confidence":1.0,"punctuated_word":"unfortunately.","sentiment":"negative","sentiment_score":-0.3801725804805755},{"word":"no","start":989.435,"end":989.595,"confidence":0.9970703,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.12090185284614564},{"word":"but","start":989.595,"end":989.71497,"confidence":0.6911621,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.0109289288520813},{"word":"look","start":989.71497,"end":989.83496,"confidence":0.93847656,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.04772458225488663},{"word":"i","start":989.83496,"end":990.07495,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13803726434707642},{"word":"completely","start":990.07495,"end":990.57495,"confidence":0.99902344,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":0.22217151522636416},{"word":"understand","start":990.635,"end":991.035,"confidence":0.9650879,"punctuated_word":"understand.","sentiment":"neutral","sentiment_score":0.17130057513713837},{"word":"and","start":991.035,"end":991.115,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.20289455354213717},{"word":"what","start":991.115,"end":991.355,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.18438675999641416},{"word":"what","start":991.355,"end":991.51495,"confidence":0.9951172,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.17628991603851318},{"word":"i","start":991.51495,"end":991.595,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.21007958054542544},{"word":"would","start":991.595,"end":991.755,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.20745673775672913},{"word":"probably","start":991.755,"end":992.235,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.1955808401107788},{"word":"say","start":992.235,"end":992.475,"confidence":0.9980469,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.16326072812080383},{"word":"first","start":992.475,"end":992.795,"confidence":0.9716797,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.14021025598049164},{"word":"is","start":992.795,"end":993.035,"confidence":0.98291016,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1492692530155182},{"word":"we","start":993.035,"end":993.195,"confidence":0.49804688,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.25224632024765015},{"word":"i","start":993.27496,"end":993.355,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3212370276451111},{"word":"i'll","start":993.435,"end":993.595,"confidence":0.99658203,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.301516592502594},{"word":"get","start":993.595,"end":993.755,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.30725911259651184},{"word":"those","start":993.755,"end":993.915,"confidence":0.9770508,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2677593231201172},{"word":"quotes","start":993.915,"end":994.315,"confidence":0.96435547,"punctuated_word":"quotes","sentiment":"neutral","sentiment_score":0.2020123302936554},{"word":"organized","start":994.315,"end":994.71497,"confidence":0.99609375,"punctuated_word":"organized","sentiment":"neutral","sentiment_score":0.2934764325618744},{"word":"for","start":994.71497,"end":994.95496,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4172220826148987},{"word":"you","start":994.95496,"end":995.195,"confidence":0.9875488,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.34558314085006714},{"word":"i'll","start":995.195,"end":995.355,"confidence":1.0,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.334621787071228},{"word":"organize","start":995.355,"end":995.755,"confidence":0.9970703,"punctuated_word":"organize","sentiment":"neutral","sentiment_score":0.3262688219547272},{"word":"my","start":995.755,"end":995.915,"confidence":0.99902344,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.37613624334335327},{"word":"team","start":995.915,"end":996.15497,"confidence":0.98095703,"punctuated_word":"team","sentiment":"positive","sentiment_score":0.335236519575119},{"word":"to","start":996.15497,"end":996.315,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4526804983615875},{"word":"request","start":996.315,"end":996.71497,"confidence":1.0,"punctuated_word":"request","sentiment":"positive","sentiment_score":0.37054553627967834},{"word":"them","start":996.71497,"end":996.95496,"confidence":0.9941406,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.2718702256679535},{"word":"tomorrow","start":996.95496,"end":997.45496,"confidence":0.9980469,"punctuated_word":"tomorrow.","sentiment":"positive","sentiment_score":0.3564905524253845},{"word":"i'll","start":998.07495,"end":998.235,"confidence":0.86157227,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.287751168012619},{"word":"get","start":998.235,"end":998.555,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.3089914321899414},{"word":"my","start":998.555,"end":998.71497,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.3118421137332916},{"word":"admin","start":998.71497,"end":999.115,"confidence":1.0,"punctuated_word":"admin","sentiment":"neutral","sentiment_score":0.31621068716049194},{"word":"team","start":999.115,"end":999.355,"confidence":1.0,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.20397768914699552},{"word":"member","start":999.355,"end":999.83496,"confidence":0.89624023,"punctuated_word":"member,","sentiment":"neutral","sentiment_score":0.2446803003549576},{"word":"caden","start":999.83496,"end":1000.33496,"confidence":0.83219403,"punctuated_word":"Caden,","sentiment":"neutral","sentiment_score":0.2850760817527771},{"word":"to","start":1000.39496,"end":1000.71497,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.278806209564209},{"word":"email","start":1000.71497,"end":1001.115,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.196844682097435},{"word":"those","start":1001.115,"end":1001.355,"confidence":0.9819336,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2251279652118683},{"word":"through","start":1001.355,"end":1001.595,"confidence":0.9760742,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.19046711921691897},{"word":"to","start":1001.595,"end":1001.755,"confidence":0.9741211,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24002069234848025},{"word":"you","start":1001.755,"end":1001.83496,"confidence":0.98828125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2638455927371979},{"word":"when","start":1001.83496,"end":1002.07495,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2148943543434143},{"word":"he","start":1002.07495,"end":1002.235,"confidence":0.9980469,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.23202411830425265},{"word":"receives","start":1002.235,"end":1002.71497,"confidence":0.9921875,"punctuated_word":"receives","sentiment":"neutral","sentiment_score":0.20835821330547333},{"word":"them","start":1002.71497,"end":1002.95496,"confidence":0.99609375,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.20984973013401031},{"word":"next","start":1002.95496,"end":1003.27496,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1997050493955612},{"word":"week","start":1003.27496,"end":1003.77496,"confidence":0.892334,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.16639356315135956},{"word":"and","start":1004.33997,"end":1004.57996,"confidence":0.96972656,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.01123163476586342},{"word":"then","start":1004.57996,"end":1004.82,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.012309186160564424},{"word":"i'm","start":1004.82,"end":1005.06,"confidence":0.97924805,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.06991370022296906},{"word":"technically","start":1005.06,"end":1005.38,"confidence":0.32861328,"punctuated_word":"technically","sentiment":"neutral","sentiment_score":-0.09595926851034164},{"word":"on","start":1005.38,"end":1005.54,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.132848858833313},{"word":"holidays","start":1005.54,"end":1005.94,"confidence":0.6801758,"punctuated_word":"holidays","sentiment":"neutral","sentiment_score":-0.07412000000476837},{"word":"for","start":1005.94,"end":1006.1,"confidence":0.92578125,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.10524293780326845},{"word":"two","start":1006.1,"end":1006.26,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.11255964636802672},{"word":"weeks","start":1006.26,"end":1006.42,"confidence":0.828125,"punctuated_word":"weeks.","sentiment":"neutral","sentiment_score":-0.08254200965166092},{"word":"so","start":1006.42,"end":1006.57996,"confidence":0.51416016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04479297623038292},{"word":"i'm","start":1006.57996,"end":1006.74,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.014938930980861189},{"word":"back","start":1006.74,"end":1006.89996,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.00760418176651001},{"word":"on","start":1006.89996,"end":1007.06,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.006551295518875122},{"word":"the","start":1007.06,"end":1007.14,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00003563612699508667},{"word":"twenty","start":1007.14,"end":1007.54,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.013222075998783112},{"word":"eighth","start":1007.54,"end":1008.04,"confidence":0.97509766,"punctuated_word":"eighth.","sentiment":"neutral","sentiment_score":0.0063688624650239944},{"word":"what","start":1008.18,"end":1008.33997,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.11213594675064088},{"word":"we","start":1008.33997,"end":1008.57996,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.20451702177524567},{"word":"can","start":1008.57996,"end":1008.82,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2163134664297104},{"word":"do","start":1008.82,"end":1009.22,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.24008002877235413},{"word":"is","start":1009.22,"end":1009.7,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2384682148694992},{"word":"on","start":1009.7,"end":1009.94,"confidence":0.7519531,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.21991196274757385},{"word":"the","start":1009.94,"end":1010.18,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22289051115512848},{"word":"last","start":1010.18,"end":1010.5,"confidence":0.9980469,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.1355489194393158},{"word":"page","start":1010.5,"end":1010.74,"confidence":0.9951172,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.14920708537101746},{"word":"of","start":1010.74,"end":1010.89996,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1725195348262787},{"word":"that","start":1010.89996,"end":1011.14,"confidence":0.9013672,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18460628390312195},{"word":"advice","start":1011.14,"end":1011.54,"confidence":0.92822266,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.0973280519247055},{"word":"document","start":1011.54,"end":1011.94,"confidence":0.99316406,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.1881108582019806},{"word":"you","start":1011.94,"end":1012.1,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2126049846410751},{"word":"do","start":1012.1,"end":1012.26,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1658434122800827},{"word":"actually","start":1012.26,"end":1012.5,"confidence":0.99609375,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.1729523539543152},{"word":"have","start":1012.5,"end":1012.74,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1663019359111786},{"word":"a","start":1012.74,"end":1012.89996,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13709336519241333},{"word":"multiliner","start":1012.89996,"end":1013.39996,"confidence":0.8645833,"punctuated_word":"multiliner","sentiment":"neutral","sentiment_score":0.12323513627052309},{"word":"or","start":1013.62,"end":1013.7,"confidence":0.6152344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.13203394412994385},{"word":"a","start":1013.7,"end":1013.77997,"confidence":0.68896484,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16181665658950806},{"word":"text","start":1013.77997,"end":1014.1,"confidence":0.9951172,"punctuated_word":"text","sentiment":"neutral","sentiment_score":0.12543781101703644},{"word":"box","start":1014.1,"end":1014.33997,"confidence":0.9760742,"punctuated_word":"box","sentiment":"neutral","sentiment_score":0.14208661019802094},{"word":"there","start":1014.33997,"end":1014.83997,"confidence":0.99658203,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.16621124744415283},{"word":"so","start":1015.06,"end":1015.3,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21180686354637143},{"word":"if","start":1015.3,"end":1015.45996,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2374555468559265},{"word":"you","start":1015.45996,"end":1015.62,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2167792916297913},{"word":"just","start":1015.62,"end":1015.94,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1581188440322876},{"word":"hold","start":1015.94,"end":1016.1,"confidence":0.99902344,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.13924174010753632},{"word":"off","start":1016.1,"end":1016.33997,"confidence":0.99316406,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.11102421581745148},{"word":"for","start":1016.33997,"end":1016.5,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13567261397838593},{"word":"the","start":1016.5,"end":1016.57996,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17236393690109253},{"word":"moment","start":1016.57996,"end":1017.06,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.1696065217256546},{"word":"on","start":1017.06,"end":1017.38,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.16069011390209198},{"word":"signing","start":1017.38,"end":1017.7,"confidence":1.0,"punctuated_word":"signing","sentiment":"neutral","sentiment_score":0.1395261585712433},{"word":"and","start":1017.7,"end":1017.94,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17994526028633118},{"word":"sending","start":1017.94,"end":1018.365,"confidence":0.97998047,"punctuated_word":"sending","sentiment":"neutral","sentiment_score":0.1549743115901947},{"word":"it","start":1018.365,"end":1018.445,"confidence":0.7470703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1599094122648239},{"word":"back","start":1018.445,"end":1018.605,"confidence":0.9382324,"punctuated_word":"back,","sentiment":"neutral","sentiment_score":0.1704186052083969},{"word":"wait","start":1018.605,"end":1018.845,"confidence":0.9980469,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":0.19354704022407532},{"word":"for","start":1018.845,"end":1019.005,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17333972454071045},{"word":"that","start":1019.005,"end":1019.245,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24629369378089905},{"word":"quote","start":1019.245,"end":1019.565,"confidence":0.9970703,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.13004139065742493},{"word":"to","start":1019.565,"end":1019.645,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24484148621559143},{"word":"come","start":1019.645,"end":1019.885,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.23986467719078064},{"word":"through","start":1019.885,"end":1020.285,"confidence":0.8757324,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.22108720242977145},{"word":"have","start":1020.285,"end":1020.445,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.25408145785331726},{"word":"a","start":1020.445,"end":1020.52496,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26305705308914185},{"word":"look","start":1020.52496,"end":1020.685,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.16841688752174375},{"word":"at","start":1020.685,"end":1020.845,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.18896280229091644},{"word":"the","start":1020.845,"end":1020.925,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19284924864768985},{"word":"quote","start":1020.925,"end":1021.425,"confidence":0.97314453,"punctuated_word":"quote,","sentiment":"neutral","sentiment_score":0.16944514214992523},{"word":"and","start":1021.725,"end":1021.885,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19391672313213348},{"word":"then","start":1021.885,"end":1022.205,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.19853900372982025},{"word":"maybe","start":1022.205,"end":1022.445,"confidence":0.9892578,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.21573172509670255},{"word":"let","start":1022.445,"end":1022.605,"confidence":0.9970703,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1989770233631134},{"word":"me","start":1022.605,"end":1022.765,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.24592357873916623},{"word":"know","start":1022.765,"end":1023.005,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.24356839060783383},{"word":"if","start":1023.005,"end":1023.165,"confidence":0.8173828,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2180213928222656},{"word":"you","start":1023.165,"end":1023.245,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2198106199502945},{"word":"just","start":1023.245,"end":1023.485,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.21489466726779935},{"word":"wanna","start":1023.485,"end":1023.725,"confidence":0.9970703,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2642635107040405},{"word":"go","start":1023.725,"end":1023.96497,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2189594954252243},{"word":"ahead","start":1023.96497,"end":1024.285,"confidence":1.0,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.18795663118362427},{"word":"with","start":1024.285,"end":1024.445,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.170359268784523},{"word":"the","start":1024.445,"end":1024.6849,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1983740031719208},{"word":"steady","start":1024.6849,"end":1025.005,"confidence":0.42236328,"punctuated_word":"steady","sentiment":"neutral","sentiment_score":0.1807652711868286},{"word":"like","start":1025.165,"end":1025.485,"confidence":0.9746094,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.11749082058668137},{"word":"the","start":1025.485,"end":1025.8049,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17024880647659302},{"word":"income","start":1025.8049,"end":1026.125,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.1200469583272934},{"word":"protection","start":1026.125,"end":1026.605,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.08276370167732239},{"word":"with","start":1026.605,"end":1026.765,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13831961154937744},{"word":"the","start":1026.765,"end":1026.925,"confidence":0.5151367,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15270423889160156},{"word":"two","start":1026.925,"end":1027.165,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.10582742840051652},{"word":"year","start":1027.165,"end":1027.405,"confidence":0.9980469,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.10756219178438188},{"word":"benefit","start":1027.405,"end":1027.885,"confidence":0.99902344,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.10418622940778732},{"word":"period","start":1027.885,"end":1028.385,"confidence":0.9248047,"punctuated_word":"period.","sentiment":"neutral","sentiment_score":0.14841511845588684},{"word":"in","start":1028.765,"end":1029.005,"confidence":1.0,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.12583748996257782},{"word":"that","start":1029.005,"end":1029.245,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13084776699543},{"word":"box","start":1029.245,"end":1029.565,"confidence":1.0,"punctuated_word":"box","sentiment":"neutral","sentiment_score":0.12061338126659392},{"word":"on","start":1029.565,"end":1029.725,"confidence":0.9760742,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10694469511508942},{"word":"the","start":1029.725,"end":1029.885,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10255582630634308},{"word":"very","start":1029.885,"end":1030.125,"confidence":0.99902344,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.0971398949623108},{"word":"last","start":1030.125,"end":1030.38,"confidence":0.9941406,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.06174594163894653},{"word":"page","start":1030.38,"end":1030.78,"confidence":0.9909668,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.08110219240188599},{"word":"you","start":1030.78,"end":1030.86,"confidence":0.9604492,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06687357276678085},{"word":"just","start":1030.86,"end":1031.02,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07854247093200684},{"word":"make","start":1031.02,"end":1031.26,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08959189057350159},{"word":"a","start":1031.26,"end":1031.34,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10305534303188324},{"word":"little","start":1031.34,"end":1031.66,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.09076885879039764},{"word":"note","start":1031.66,"end":1031.9,"confidence":1.0,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.07534424960613251},{"word":"to","start":1031.9,"end":1032.14,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07571935653686523},{"word":"say","start":1032.14,"end":1032.3,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.057221293449401855},{"word":"that","start":1032.3,"end":1032.54,"confidence":0.9580078,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.06086821109056473},{"word":"you","start":1032.54,"end":1032.7,"confidence":0.9658203,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.029490888118743896},{"word":"know","start":1032.7,"end":1033.02,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.03026469051837921},{"word":"alteration","start":1033.02,"end":1033.52,"confidence":0.9970703,"punctuated_word":"alteration","sentiment":"neutral","sentiment_score":0.06462634354829788},{"word":"to","start":1033.58,"end":1033.82,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.030615702271461487},{"word":"advice","start":1033.82,"end":1034.22,"confidence":0.8774414,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.013448677957057951},{"word":"is","start":1034.22,"end":1034.46,"confidence":0.9482422,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06972719728946686},{"word":"you","start":1034.46,"end":1034.62,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06993234902620316},{"word":"wish","start":1034.62,"end":1034.86,"confidence":0.99902344,"punctuated_word":"wish","sentiment":"neutral","sentiment_score":0.07594815641641617},{"word":"to","start":1034.86,"end":1034.9401,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05520378798246384},{"word":"go","start":1034.9401,"end":1035.18,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.09471849352121352},{"word":"ahead","start":1035.18,"end":1035.42,"confidence":1.0,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.11050762981176376},{"word":"with","start":1035.42,"end":1035.66,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08190671354532242},{"word":"income","start":1035.66,"end":1036.06,"confidence":0.9951172,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.05361565947532654},{"word":"protection","start":1036.06,"end":1036.56,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.04995207488536835},{"word":"policy","start":1036.62,"end":1037.12,"confidence":0.87402344,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":0.09653493762016296},{"word":"thirty","start":1037.5,"end":1037.82,"confidence":1.0,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.1178457736968994},{"word":"days","start":1037.82,"end":1038.14,"confidence":1.0,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.08256205916404724},{"word":"waiting","start":1038.14,"end":1038.54,"confidence":0.89404297,"punctuated_word":"waiting,","sentiment":"neutral","sentiment_score":0.08765196800231934},{"word":"two","start":1038.54,"end":1038.78,"confidence":0.99609375,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.08338737487792969},{"word":"year","start":1038.78,"end":1039.1,"confidence":0.9951172,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.0844426304101944},{"word":"benefit","start":1039.1,"end":1039.6,"confidence":0.9970703,"punctuated_word":"benefit.","sentiment":"neutral","sentiment_score":0.0809241458773613},{"word":"as","start":1039.82,"end":1039.98,"confidence":1.0,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.113486647605896},{"word":"long","start":1039.98,"end":1040.22,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.15103913843631744},{"word":"as","start":1040.22,"end":1040.3,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17903363704681396},{"word":"we","start":1040.3,"end":1040.54,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16927510499954224},{"word":"have","start":1040.54,"end":1040.7,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1706429421901703},{"word":"that","start":1040.7,"end":1040.9401,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19403623044490817},{"word":"on","start":1040.9401,"end":1041.1,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15413321554660797},{"word":"the","start":1041.1,"end":1041.26,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14708173274993896},{"word":"last","start":1041.26,"end":1041.58,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.11977902799844742},{"word":"page","start":1041.58,"end":1042.08,"confidence":0.99902344,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.16786712408065796},{"word":"it","start":1042.46,"end":1042.7,"confidence":0.78125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2020765095949173},{"word":"allows","start":1042.7,"end":1043.02,"confidence":1.0,"punctuated_word":"allows","sentiment":"neutral","sentiment_score":0.15484488010406494},{"word":"us","start":1043.02,"end":1043.18,"confidence":0.99902344,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.18270887434482577},{"word":"to","start":1043.18,"end":1043.42,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17596517503261566},{"word":"alter","start":1043.42,"end":1043.82,"confidence":0.9980469,"punctuated_word":"alter","sentiment":"neutral","sentiment_score":0.13753950595855713},{"word":"the","start":1043.82,"end":1043.98,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1288088858127594},{"word":"advice","start":1043.98,"end":1044.48,"confidence":0.9921875,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.12740910053253174},{"word":"it's","start":1044.54,"end":1044.78,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.12805241346359253},{"word":"just","start":1044.78,"end":1045.1,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11820398271083832},{"word":"it's","start":1045.1,"end":1045.455,"confidence":0.88305664,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.15744633972644806},{"word":"just","start":1045.695,"end":1045.855,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1273733675479889},{"word":"an","start":1045.855,"end":1046.095,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.15387216210365295},{"word":"alteration","start":1046.095,"end":1046.595,"confidence":0.9980469,"punctuated_word":"alteration","sentiment":"neutral","sentiment_score":0.1697233021259308},{"word":"that","start":1046.6549,"end":1046.815,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.25573498010635376},{"word":"we","start":1046.815,"end":1046.975,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.212682381272316},{"word":"can","start":1046.975,"end":1047.455,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2245369255542755},{"word":"make","start":1047.455,"end":1047.695,"confidence":0.9350586,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.17063596844673157},{"word":"sure","start":1047.695,"end":1047.855,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.15445983409881592},{"word":"we","start":1047.855,"end":1048.015,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1711609810590744},{"word":"adhere","start":1048.015,"end":1048.4149,"confidence":0.9902344,"punctuated_word":"adhere","sentiment":"neutral","sentiment_score":0.12473025918006896},{"word":"to","start":1048.4149,"end":1048.9149,"confidence":0.93530273,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.15238529443740845},{"word":"and","start":1048.975,"end":1049.135,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10268263518810272},{"word":"then","start":1049.135,"end":1049.375,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10494381189346312},{"word":"when","start":1049.375,"end":1049.5349,"confidence":0.99609375,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.11825495958328248},{"word":"we","start":1049.5349,"end":1049.695,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12562844157218933},{"word":"go","start":1049.695,"end":1049.9349,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1283760815858841},{"word":"through","start":1049.9349,"end":1050.1749,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09773927181959152},{"word":"the","start":1050.1749,"end":1050.335,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08157846331596375},{"word":"insurance","start":1050.335,"end":1050.815,"confidence":0.9980469,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.06811612099409103},{"word":"side","start":1050.815,"end":1051.0549,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.07264123857021332},{"word":"of","start":1051.0549,"end":1051.215,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1066717654466629},{"word":"things","start":1051.215,"end":1051.715,"confidence":0.99853516,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.12761865556240082},{"word":"we'll","start":1052.095,"end":1052.4149,"confidence":0.99560547,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.12190981954336166},{"word":"know","start":1052.4149,"end":1052.575,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.13166168332099917},{"word":"that","start":1052.575,"end":1052.735,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12134592980146408},{"word":"you're","start":1052.735,"end":1052.975,"confidence":0.99658203,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.12238025665283205},{"word":"only","start":1052.975,"end":1053.215,"confidence":0.99609375,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.07962019741535187},{"word":"gonna","start":1053.215,"end":1053.455,"confidence":1.0,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.15964949131011963},{"word":"go","start":1053.455,"end":1053.5349,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.17758482694625854},{"word":"with","start":1053.5349,"end":1053.7749,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13980242609977722},{"word":"the","start":1053.7749,"end":1053.9349,"confidence":0.8774414,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14508262276649475},{"word":"quote","start":1053.9349,"end":1054.1749,"confidence":0.9741211,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.11956672370433807},{"word":"that","start":1054.1749,"end":1054.335,"confidence":0.9873047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.152567520737648},{"word":"is","start":1054.335,"end":1054.575,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15873081982135773},{"word":"thirty","start":1054.575,"end":1054.815,"confidence":1.0,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.12965625524520874},{"word":"days","start":1054.815,"end":1055.135,"confidence":1.0,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.11635518819093704},{"word":"waiting","start":1055.135,"end":1055.455,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.1372169554233551},{"word":"and","start":1055.455,"end":1055.615,"confidence":0.94628906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09746111929416656},{"word":"two","start":1055.615,"end":1055.855,"confidence":0.9819336,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.0844239816069603},{"word":"year","start":1055.855,"end":1056.095,"confidence":0.9921875,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.08205993473529816},{"word":"benefit","start":1056.095,"end":1056.575,"confidence":0.9970703,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.08841440826654434},{"word":"period","start":1056.575,"end":1057.075,"confidence":0.8029785,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":0.1287786364555359},{"word":"and","start":1057.2949,"end":1057.455,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13712841272354126},{"word":"then","start":1057.455,"end":1057.695,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.14273017644882202},{"word":"we'll","start":1057.695,"end":1057.9349,"confidence":0.99902344,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.13805700838565826},{"word":"just","start":1057.9349,"end":1058.095,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14052307605743408},{"word":"you","start":1058.1749,"end":1058.335,"confidence":0.89453125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1010965034365654},{"word":"know","start":1058.335,"end":1058.4149,"confidence":0.93725586,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.11777156591415404},{"word":"it","start":1058.4149,"end":1058.73,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16414669156074524},{"word":"it","start":1058.8099,"end":1058.97,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11873503029346466},{"word":"kind","start":1058.97,"end":1059.21,"confidence":0.59228516,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.020376786589622498},{"word":"of","start":1059.21,"end":1059.29,"confidence":0.97265625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09885750710964204},{"word":"just","start":1059.29,"end":1059.53,"confidence":0.7294922,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0736890658736229},{"word":"an","start":1059.53,"end":1059.77,"confidence":0.93847656,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08412214368581772},{"word":"adjustment","start":1059.77,"end":1060.1699,"confidence":0.9873047,"punctuated_word":"adjustment","sentiment":"neutral","sentiment_score":0.08511105179786682},{"word":"to","start":1060.1699,"end":1060.25,"confidence":0.84228516,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13165095448493958},{"word":"the","start":1060.25,"end":1060.41,"confidence":0.84716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07269135117530823},{"word":"advice","start":1060.41,"end":1060.65,"confidence":0.9550781,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.0686173290014267},{"word":"to","start":1060.65,"end":1060.8099,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12752604484558103},{"word":"make","start":1060.8099,"end":1061.0499,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.16615426540374756},{"word":"it","start":1061.0499,"end":1061.13,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1858527660369873},{"word":"easier","start":1061.13,"end":1061.53,"confidence":0.8574219,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.19387081265449524},{"word":"on","start":1061.53,"end":1061.69,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1550542414188385},{"word":"yourself","start":1061.69,"end":1062.19,"confidence":0.798584,"punctuated_word":"yourself.","sentiment":"neutral","sentiment_score":0.06906262785196304},{"word":"but","start":1062.57,"end":1062.69,"confidence":0.6274414,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.07874142378568649},{"word":"it","start":1062.69,"end":1062.8099,"confidence":0.5800781,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08851815015077591},{"word":"how","start":1062.89,"end":1063.0499,"confidence":0.6542969,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.050472356379032135},{"word":"we","start":1063.21,"end":1063.45,"confidence":0.9375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0880618542432785},{"word":"just","start":1063.45,"end":1063.61,"confidence":0.9921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06458906084299088},{"word":"understand","start":1063.61,"end":1064.09,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":-0.005963549017906189},{"word":"that","start":1064.09,"end":1064.25,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.012412667274475098},{"word":"that's","start":1064.25,"end":1064.41,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.05256055295467377},{"word":"an","start":1064.41,"end":1064.65,"confidence":0.9902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.08239712566137314},{"word":"alteration","start":1064.65,"end":1065.13,"confidence":0.93066406,"punctuated_word":"alteration,","sentiment":"neutral","sentiment_score":-0.05313492938876152},{"word":"and","start":1065.13,"end":1065.29,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013591840863227844},{"word":"we'll","start":1065.29,"end":1065.53,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.04445870965719223},{"word":"just","start":1065.53,"end":1065.69,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.025979503989219666},{"word":"go","start":1065.69,"end":1065.85,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.09639110416173936},{"word":"ahead","start":1065.85,"end":1066.01,"confidence":1.0,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.1057458147406578},{"word":"with","start":1066.01,"end":1066.25,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08875172585248947},{"word":"that","start":1066.25,"end":1066.41,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06198149919509888},{"word":"instead","start":1066.41,"end":1066.73,"confidence":0.9970703,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":-0.006041273474693298},{"word":"of","start":1066.73,"end":1066.89,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02123604714870453},{"word":"what","start":1066.89,"end":1067.0499,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.007012709975242615},{"word":"was","start":1067.0499,"end":1067.29,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.008978188037872314},{"word":"recommended","start":1067.29,"end":1067.79,"confidence":1.0,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":-0.03210684657096863},{"word":"for","start":1067.85,"end":1067.9299,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.028412610292434692},{"word":"you","start":1067.9299,"end":1068.1699,"confidence":0.7775879,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.0559718981385231},{"word":"if","start":1068.1699,"end":1068.25,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19187507033348083},{"word":"that","start":1068.25,"end":1068.49,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14733654260635376},{"word":"makes","start":1068.49,"end":1068.73,"confidence":0.9633789,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.08741369098424911},{"word":"sense","start":1068.73,"end":1069.23,"confidence":0.9562988,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.008573971688747406},{"word":"yeah","start":1072.01,"end":1072.51,"confidence":0.9123535,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0768212303519249},{"word":"yeah","start":1072.8049,"end":1073.3049,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04552220553159714},{"word":"yes","start":1075.765,"end":1076.265,"confidence":0.98217773,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.07736633718013763},{"word":"mhmm","start":1079.765,"end":1080.265,"confidence":0.9885254,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.20465251803398132},{"word":"it","start":1083.0449,"end":1083.365,"confidence":0.9770508,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.20028118789196017},{"word":"could","start":1083.365,"end":1083.6849,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.15254803001880646},{"word":"be","start":1083.6849,"end":1084.1849,"confidence":0.95703125,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":-0.13065600395202637},{"word":"yeah","start":1086.005,"end":1086.485,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1259429007768631},{"word":"it","start":1086.485,"end":1086.645,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.22361963987350464},{"word":"really","start":1086.645,"end":1086.885,"confidence":1.0,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.3409614861011505},{"word":"depends","start":1086.885,"end":1087.285,"confidence":1.0,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":-0.19146254658699036},{"word":"on","start":1087.285,"end":1087.445,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2439015656709671},{"word":"what","start":1087.445,"end":1087.605,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.31653928756713867},{"word":"it","start":1087.605,"end":1087.765,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2814843952655792},{"word":"is","start":1087.765,"end":1088.265,"confidence":0.9995117,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.27381688356399536},{"word":"no","start":1088.52,"end":1089.02,"confidence":0.99609375,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.12917666137218475},{"word":"no","start":1090.76,"end":1091.0801,"confidence":0.9980469,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.22240328788757324},{"word":"that's","start":1091.0801,"end":1091.48,"confidence":0.9970703,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.20939581096172333},{"word":"okay","start":1091.48,"end":1091.98,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.12724073231220245},{"word":"yeah","start":1092.8401,"end":1093.0801,"confidence":0.84155273,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04881884157657623},{"word":"of","start":1093.0801,"end":1093.24,"confidence":1.0,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.04656590521335602},{"word":"course","start":1093.24,"end":1093.56,"confidence":1.0,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.07695594429969788},{"word":"so","start":1093.56,"end":1093.8,"confidence":0.9501953,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.0924103707075119},{"word":"essentially","start":1093.8,"end":1094.28,"confidence":1.0,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.11190860718488692},{"word":"we","start":1094.28,"end":1094.36,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11998161673545836},{"word":"go","start":1094.36,"end":1094.6,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11452074348926544},{"word":"through","start":1094.6,"end":1094.76,"confidence":0.984375,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09208102524280548},{"word":"an","start":1094.76,"end":1094.92,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.09389948099851608},{"word":"application","start":1094.92,"end":1095.42,"confidence":1.0,"punctuated_word":"application","sentiment":"neutral","sentiment_score":0.058512866497039795},{"word":"form","start":1095.56,"end":1095.88,"confidence":0.9980469,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.04987196624279022},{"word":"with","start":1095.88,"end":1096.04,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11919687688350676},{"word":"you","start":1096.04,"end":1096.28,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1373237669467926},{"word":"for","start":1096.28,"end":1096.4401,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10380196571350098},{"word":"the","start":1096.4401,"end":1096.68,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.098687082529068},{"word":"the","start":1096.68,"end":1096.92,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08634912967681885},{"word":"changes","start":1096.92,"end":1097.42,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.04456663131713867},{"word":"that","start":1097.88,"end":1098.12,"confidence":0.7236328,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.117617629468441},{"word":"goes","start":1098.12,"end":1098.36,"confidence":0.99121094,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.11322849988937378},{"word":"through","start":1098.36,"end":1098.6,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0661858320236206},{"word":"to","start":1098.6,"end":1098.68,"confidence":0.97802734,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07665817439556122},{"word":"the","start":1098.68,"end":1098.8401,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04221043735742569},{"word":"underwriters","start":1098.8401,"end":1099.3401,"confidence":0.9827474,"punctuated_word":"underwriters.","sentiment":"neutral","sentiment_score":0.05702989548444748},{"word":"they'll","start":1099.48,"end":1099.72,"confidence":0.9885254,"punctuated_word":"They'll","sentiment":"neutral","sentiment_score":0.08169030398130417},{"word":"obviously","start":1099.72,"end":1100.2001,"confidence":0.8408203,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.09691862761974336},{"word":"assess","start":1100.2001,"end":1100.52,"confidence":0.94921875,"punctuated_word":"assess","sentiment":"neutral","sentiment_score":0.06408815085887909},{"word":"what","start":1100.52,"end":1100.68,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08484846353530884},{"word":"you","start":1100.68,"end":1100.8401,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08851850032806396},{"word":"currently","start":1100.8401,"end":1101.3201,"confidence":1.0,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.03379226103425026},{"word":"have","start":1101.3201,"end":1101.56,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0343722328543663},{"word":"on","start":1101.56,"end":1101.72,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05040263012051582},{"word":"there","start":1101.72,"end":1102.12,"confidence":0.97802734,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.06754603981971741},{"word":"they'll","start":1102.12,"end":1102.4401,"confidence":0.9890137,"punctuated_word":"They'll","sentiment":"neutral","sentiment_score":0.09259502589702606},{"word":"have","start":1102.4401,"end":1102.6,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12082453817129137},{"word":"a","start":1102.6,"end":1102.68,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12313921004533768},{"word":"look","start":1102.68,"end":1102.92,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08286607265472412},{"word":"at","start":1102.92,"end":1103.0801,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08201373368501663},{"word":"what","start":1103.0801,"end":1103.24,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.09851234406232834},{"word":"you","start":1103.24,"end":1103.48,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07486408203840256},{"word":"do","start":1103.48,"end":1103.64,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.050956062972545624},{"word":"have","start":1103.64,"end":1104.045,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04338483884930611},{"word":"disclosed","start":1105.165,"end":1105.665,"confidence":0.99121094,"punctuated_word":"disclosed","sentiment":"neutral","sentiment_score":0.07458598166704178},{"word":"already","start":1105.7251,"end":1105.9651,"confidence":1.0,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.08701156079769135},{"word":"within","start":1105.9651,"end":1106.285,"confidence":0.99902344,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.059598930180072784},{"word":"the","start":1106.285,"end":1106.4451,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07515892386436462},{"word":"application","start":1106.4451,"end":1106.9451,"confidence":0.99902344,"punctuated_word":"application.","sentiment":"neutral","sentiment_score":0.04676558077335358},{"word":"if","start":1107.0851,"end":1107.245,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.039001964032649994},{"word":"there","start":1107.245,"end":1107.485,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.03304353356361389},{"word":"is","start":1107.485,"end":1107.645,"confidence":0.9873047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.022839106619358063},{"word":"anything","start":1107.645,"end":1108.045,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.016717970371246338},{"word":"that","start":1108.045,"end":1108.365,"confidence":0.98535156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.033678002655506134},{"word":"flags","start":1108.365,"end":1108.8451,"confidence":0.9760742,"punctuated_word":"flags","sentiment":"neutral","sentiment_score":-0.01802841015160084},{"word":"that","start":1108.8451,"end":1109.005,"confidence":0.9873047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.014978550374507904},{"word":"they","start":1109.005,"end":1109.245,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.01695292443037033},{"word":"need","start":1109.245,"end":1109.405,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.08888301998376846},{"word":"to","start":1109.405,"end":1109.645,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06170924752950668},{"word":"maybe","start":1109.645,"end":1110.045,"confidence":0.9550781,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.09372597932815552},{"word":"seek","start":1110.045,"end":1110.365,"confidence":0.9819336,"punctuated_word":"seek","sentiment":"neutral","sentiment_score":-0.07544662803411484},{"word":"more","start":1110.365,"end":1110.6051,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.012355878949165344},{"word":"medical","start":1110.6051,"end":1111.1051,"confidence":1.0,"punctuated_word":"medical","sentiment":"neutral","sentiment_score":-0.0505857840180397},{"word":"assistance","start":1111.485,"end":1111.985,"confidence":1.0,"punctuated_word":"assistance","sentiment":"neutral","sentiment_score":0.012075826525688171},{"word":"on","start":1112.045,"end":1112.2051,"confidence":0.9970703,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.03513070568442345},{"word":"they'll","start":1112.2051,"end":1112.525,"confidence":0.96533203,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.08361808955669403},{"word":"get","start":1112.525,"end":1112.765,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11391070485115053},{"word":"you","start":1112.765,"end":1112.925,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1050986796617508},{"word":"to","start":1112.925,"end":1113.005,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06763580441474915},{"word":"sign","start":1113.005,"end":1113.245,"confidence":0.9921875,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.04395619034767151},{"word":"an","start":1113.245,"end":1113.485,"confidence":0.9921875,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06698848307132721},{"word":"authority","start":1113.485,"end":1113.985,"confidence":0.99902344,"punctuated_word":"authority","sentiment":"neutral","sentiment_score":0.08196450024843216},{"word":"which","start":1114.045,"end":1114.285,"confidence":0.74560547,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.13035157322883606},{"word":"allows","start":1114.285,"end":1114.6051,"confidence":0.99902344,"punctuated_word":"allows","sentiment":"neutral","sentiment_score":0.0859755128622055},{"word":"them","start":1114.6051,"end":1114.8451,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.08944867551326752},{"word":"to","start":1114.8451,"end":1115.005,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09257751703262328},{"word":"request","start":1115.005,"end":1115.405,"confidence":0.99902344,"punctuated_word":"request","sentiment":"neutral","sentiment_score":0.08893383294343948},{"word":"doctor's","start":1115.405,"end":1115.805,"confidence":0.9663086,"punctuated_word":"doctor's","sentiment":"neutral","sentiment_score":0.06314422190189362},{"word":"reports","start":1115.805,"end":1116.305,"confidence":0.7729492,"punctuated_word":"reports.","sentiment":"neutral","sentiment_score":0.053998708724975586},{"word":"they","start":1116.66,"end":1116.8201,"confidence":1.0,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.0861840769648552},{"word":"do","start":1116.8201,"end":1117.06,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.084862619638443},{"word":"sometimes","start":1117.06,"end":1117.56,"confidence":0.98828125,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":0.08176752924919128},{"word":"also","start":1117.7001,"end":1118.1001,"confidence":0.98828125,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.06300312280654907},{"word":"request","start":1118.1001,"end":1118.5,"confidence":0.98828125,"punctuated_word":"request","sentiment":"neutral","sentiment_score":0.101176418364048},{"word":"maybe","start":1118.5,"end":1118.8201,"confidence":0.5058594,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.11896083503961564},{"word":"a","start":1118.8201,"end":1118.9801,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10641808807849884},{"word":"nurse","start":1118.9801,"end":1119.4601,"confidence":1.0,"punctuated_word":"nurse","sentiment":"neutral","sentiment_score":0.06905530393123627},{"word":"makes","start":1119.4601,"end":1119.78,"confidence":0.9589844,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.08932952582836151},{"word":"contact","start":1119.78,"end":1120.18,"confidence":0.9980469,"punctuated_word":"contact","sentiment":"neutral","sentiment_score":0.07570239901542664},{"word":"with","start":1120.18,"end":1120.42,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11578251421451569},{"word":"you","start":1120.42,"end":1120.5801,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10976164788007736},{"word":"to","start":1120.5801,"end":1120.66,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.114997997879982},{"word":"come","start":1120.66,"end":1120.9,"confidence":0.9980469,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.11629946529865264},{"word":"out","start":1120.9,"end":1121.06,"confidence":0.9604492,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.12489078938961028},{"word":"and","start":1121.06,"end":1121.14,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11814108490943909},{"word":"do","start":1121.14,"end":1121.38,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08826334774494171},{"word":"some","start":1121.38,"end":1121.54,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.08092089742422104},{"word":"medicals","start":1121.54,"end":1122.02,"confidence":0.92252606,"punctuated_word":"medicals.","sentiment":"neutral","sentiment_score":0.08810501545667648},{"word":"they","start":1122.02,"end":1122.1001,"confidence":0.99316406,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.0883713886141777},{"word":"might","start":1122.1001,"end":1122.26,"confidence":0.9716797,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.09039364755153656},{"word":"have","start":1122.26,"end":1122.42,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10054519027471542},{"word":"what's","start":1122.42,"end":1122.5801,"confidence":0.9411621,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.11135109513998032},{"word":"called","start":1122.5801,"end":1122.9,"confidence":0.9863281,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.069872185587883},{"word":"a","start":1122.9,"end":1122.9801,"confidence":0.55615234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06787346303462982},{"word":"mba","start":1122.9801,"end":1123.4601,"confidence":0.64453125,"punctuated_word":"MBA","sentiment":"neutral","sentiment_score":0.048545997589826584},{"word":"20","start":1123.4601,"end":1123.86,"confidence":0.9501953,"punctuated_word":"20,","sentiment":"neutral","sentiment_score":0.08711396157741547},{"word":"which","start":1123.86,"end":1124.02,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.0794481560587883},{"word":"is","start":1124.02,"end":1124.1001,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0612315833568573},{"word":"like","start":1124.1001,"end":1124.3401,"confidence":0.64746094,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.060937002301216125},{"word":"a","start":1124.3401,"end":1124.42,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06035166233778},{"word":"mini","start":1124.42,"end":1124.74,"confidence":0.9404297,"punctuated_word":"mini","sentiment":"neutral","sentiment_score":0.06075948849320412},{"word":"check","start":1124.74,"end":1124.9,"confidence":0.9873047,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.0826239362359047},{"word":"or","start":1124.9,"end":1125.06,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05660761892795563},{"word":"something","start":1125.06,"end":1125.56,"confidence":0.89868164,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":0.05750385671854019},{"word":"and","start":1125.62,"end":1125.78,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07174088060855865},{"word":"they","start":1125.78,"end":1125.9401,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.07319986820220947},{"word":"come","start":1125.9401,"end":1126.1001,"confidence":0.9980469,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.07673556357622147},{"word":"out","start":1126.1001,"end":1126.26,"confidence":0.9550781,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.09170284867286682},{"word":"and","start":1126.26,"end":1126.42,"confidence":0.6899414,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09229659289121628},{"word":"they","start":1126.42,"end":1126.5801,"confidence":0.9951172,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.06568975746631622},{"word":"take","start":1126.5801,"end":1126.74,"confidence":0.99121094,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.07674846053123474},{"word":"your","start":1126.74,"end":1126.9801,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0763222873210907},{"word":"height","start":1126.9801,"end":1127.2201,"confidence":0.99609375,"punctuated_word":"height","sentiment":"neutral","sentiment_score":0.05885941907763481},{"word":"and","start":1127.2201,"end":1127.38,"confidence":0.96972656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08664382994174957},{"word":"their","start":1127.38,"end":1127.54,"confidence":0.6567383,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.05444237217307091},{"word":"weight","start":1127.54,"end":1127.7001,"confidence":0.74194336,"punctuated_word":"weight,","sentiment":"neutral","sentiment_score":0.0743197351694107},{"word":"and","start":1127.7001,"end":1127.9401,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09478447586297988},{"word":"they","start":1127.9401,"end":1128.4401,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.07415346056222916},{"word":"check","start":1128.5,"end":1128.74,"confidence":0.9375,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.08137571811676025},{"word":"your","start":1128.74,"end":1128.9,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09759148955345154},{"word":"breathing","start":1128.9,"end":1129.3,"confidence":0.7648926,"punctuated_word":"breathing,","sentiment":"neutral","sentiment_score":0.08633505553007126},{"word":"and","start":1129.3,"end":1129.4601,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07620814442634583},{"word":"they","start":1129.4601,"end":1129.62,"confidence":0.9970703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.06795574724674225},{"word":"basically","start":1129.62,"end":1130.1001,"confidence":0.97265625,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.07976193726062775},{"word":"do","start":1130.1001,"end":1130.3401,"confidence":0.8010254,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.0960000306367874},{"word":"like","start":1130.3401,"end":1130.5,"confidence":0.9135742,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1115931272506714},{"word":"a","start":1130.5,"end":1130.66,"confidence":0.78222656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10098020732402802},{"word":"have","start":1130.74,"end":1130.9,"confidence":0.9863281,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09855704009532928},{"word":"a","start":1130.9,"end":1131.285,"confidence":0.56152344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0845053493976593},{"word":"appointment","start":1131.4451,"end":1131.765,"confidence":0.9980469,"punctuated_word":"appointment","sentiment":"neutral","sentiment_score":0.09861525148153304},{"word":"with","start":1131.765,"end":1132.005,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06841063499450684},{"word":"you","start":1132.005,"end":1132.245,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06304946541786194},{"word":"where","start":1132.245,"end":1132.485,"confidence":0.9038086,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.05677630379796028},{"word":"they","start":1132.485,"end":1132.5651,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.040188148617744446},{"word":"just","start":1132.5651,"end":1132.805,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06263826042413712},{"word":"do","start":1132.805,"end":1133.045,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0589023157954216},{"word":"this","start":1133.045,"end":1133.285,"confidence":0.9921875,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.026797495782375336},{"word":"medical","start":1133.285,"end":1133.765,"confidence":1.0,"punctuated_word":"medical","sentiment":"neutral","sentiment_score":0.017453618347644806},{"word":"assessment","start":1133.765,"end":1134.265,"confidence":0.7727051,"punctuated_word":"assessment,","sentiment":"neutral","sentiment_score":0.04851749539375305},{"word":"and","start":1134.645,"end":1134.805,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.034904446452856064},{"word":"that","start":1134.805,"end":1135.045,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.006314955651760101},{"word":"just","start":1135.045,"end":1135.285,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.010274335741996763},{"word":"goes","start":1135.285,"end":1135.525,"confidence":0.99902344,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.00124373659491539},{"word":"back","start":1135.525,"end":1135.765,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.003561992198228836},{"word":"to","start":1135.765,"end":1135.8451,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.012179311364889143},{"word":"them","start":1135.8451,"end":1136.3451,"confidence":0.99853516,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.006317581981420517},{"word":"if","start":1136.885,"end":1137.125,"confidence":0.5859375,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.14852085709571838},{"word":"there","start":1137.125,"end":1137.365,"confidence":0.99316406,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.14295998215675354},{"word":"is","start":1137.365,"end":1137.605,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.15503303706645966},{"word":"anything","start":1137.605,"end":1138.005,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.1673683077096939},{"word":"that","start":1138.005,"end":1138.245,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1871027946472168},{"word":"flags","start":1138.245,"end":1138.725,"confidence":0.84814453,"punctuated_word":"flags,","sentiment":"neutral","sentiment_score":-0.26456743478775024},{"word":"there","start":1138.725,"end":1138.9651,"confidence":0.85546875,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.2879393696784973},{"word":"could","start":1138.9651,"end":1139.125,"confidence":0.9921875,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.2793235778808594},{"word":"be","start":1139.125,"end":1139.285,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.277248740196228},{"word":"an","start":1139.285,"end":1139.525,"confidence":0.9970703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.2827319800853729},{"word":"exclusion","start":1139.525,"end":1140.005,"confidence":0.84399414,"punctuated_word":"exclusion.","sentiment":"neutral","sentiment_score":-0.32123854756355286},{"word":"there","start":1140.005,"end":1140.245,"confidence":0.9482422,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.2780781388282776},{"word":"could","start":1140.245,"end":1140.485,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.2612706124782562},{"word":"be","start":1140.485,"end":1140.645,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.24299901723861697},{"word":"loadings","start":1140.645,"end":1141.145,"confidence":0.95377606,"punctuated_word":"loadings.","sentiment":"neutral","sentiment_score":-0.24084392189979553},{"word":"it","start":1141.2051,"end":1141.365,"confidence":0.97509766,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.17677827179431915},{"word":"really","start":1141.365,"end":1141.605,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.20220237970352173},{"word":"depends","start":1141.605,"end":1142.005,"confidence":1.0,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":-0.1382056176662445},{"word":"on","start":1142.005,"end":1142.165,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.1455560326576233},{"word":"what","start":1142.165,"end":1142.3251,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.16134974360466003},{"word":"it","start":1142.3251,"end":1142.5651,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.14585652947425842},{"word":"is","start":1142.5651,"end":1142.9651,"confidence":0.9995117,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.15072056651115415},{"word":"normally","start":1142.9651,"end":1143.365,"confidence":0.99658203,"punctuated_word":"Normally,","sentiment":"neutral","sentiment_score":-0.12391852587461472},{"word":"they'll","start":1143.365,"end":1143.605,"confidence":0.97265625,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":-0.1601528823375702},{"word":"just","start":1143.605,"end":1143.765,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.15142732858657837},{"word":"if","start":1143.8451,"end":1144.005,"confidence":0.98291016,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.16768503189086914},{"word":"there's","start":1144.005,"end":1144.245,"confidence":0.9921875,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.17173568904399872},{"word":"a","start":1144.245,"end":1144.3251,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18442302942276},{"word":"preexisting","start":1144.3251,"end":1144.8251,"confidence":0.9720052,"punctuated_word":"preexisting","sentiment":"neutral","sentiment_score":-0.2174851894378662},{"word":"condition","start":1145.125,"end":1145.625,"confidence":0.7919922,"punctuated_word":"condition,","sentiment":"neutral","sentiment_score":-0.22112694382667544},{"word":"like","start":1146.04,"end":1146.2,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.2579788863658905},{"word":"a","start":1146.2,"end":1146.36,"confidence":0.90625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.21297697722911835},{"word":"a","start":1146.36,"end":1146.6,"confidence":0.9614258,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2191694676876068},{"word":"knee","start":1146.6,"end":1146.92,"confidence":0.99902344,"punctuated_word":"knee","sentiment":"neutral","sentiment_score":-0.1675066202878952},{"word":"or","start":1146.92,"end":1147.04,"confidence":0.9667969,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.2013581246137619},{"word":"a","start":1147.04,"end":1147.16,"confidence":0.9589844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.20360542833805084},{"word":"back","start":1147.16,"end":1147.4,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.18233996629714969},{"word":"or","start":1147.4,"end":1147.56,"confidence":0.99121094,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.18943336606025696},{"word":"something","start":1147.56,"end":1147.88,"confidence":0.99609375,"punctuated_word":"something,","sentiment":"neutral","sentiment_score":-0.2110007107257843},{"word":"they","start":1147.88,"end":1148.04,"confidence":0.9970703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.2245314121246338},{"word":"might","start":1148.04,"end":1148.2,"confidence":0.9980469,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.19171836972236633},{"word":"just","start":1148.2,"end":1148.7,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2201324701309204},{"word":"exclude","start":1148.92,"end":1149.32,"confidence":0.6748047,"punctuated_word":"exclude","sentiment":"neutral","sentiment_score":-0.2341202050447464},{"word":"that","start":1149.32,"end":1149.56,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.30293118953704834},{"word":"area","start":1149.56,"end":1150.06,"confidence":0.9951172,"punctuated_word":"area.","sentiment":"neutral","sentiment_score":-0.21884047985076904},{"word":"if","start":1150.84,"end":1151.08,"confidence":0.78466797,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.13312432169914246},{"word":"it's","start":1151.08,"end":1151.4,"confidence":0.99641925,"punctuated_word":"it's,","sentiment":"neutral","sentiment_score":-0.1097092181444168},{"word":"you","start":1151.4,"end":1151.48,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07211683690547943},{"word":"know","start":1151.48,"end":1151.72,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.08232612907886505},{"word":"to","start":1151.72,"end":1151.88,"confidence":0.9770508,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.060255683958530426},{"word":"do","start":1151.88,"end":1152.12,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.04835934191942215},{"word":"with","start":1152.12,"end":1152.52,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.05946537107229233},{"word":"height","start":1152.52,"end":1152.84,"confidence":0.8833008,"punctuated_word":"height","sentiment":"neutral","sentiment_score":-0.0718296691775322},{"word":"and","start":1152.84,"end":1153.0,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07842639088630676},{"word":"weight","start":1153.0,"end":1153.32,"confidence":0.97998047,"punctuated_word":"weight","sentiment":"neutral","sentiment_score":-0.07514502853155136},{"word":"like","start":1153.32,"end":1153.64,"confidence":0.5180664,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.0766708105802536},{"word":"bmi","start":1153.64,"end":1154.14,"confidence":0.9526367,"punctuated_word":"BMI","sentiment":"neutral","sentiment_score":-0.04482248052954674},{"word":"or","start":1154.36,"end":1154.6,"confidence":0.9472656,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.039124563336372375},{"word":"it's","start":1154.6,"end":1154.76,"confidence":0.79711914,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.059293340891599655},{"word":"to","start":1154.76,"end":1154.84,"confidence":0.9404297,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07779347896575928},{"word":"do","start":1154.84,"end":1155.16,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.07696884125471115},{"word":"with","start":1155.16,"end":1155.66,"confidence":0.99658203,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":-0.05563153699040413},{"word":"you","start":1155.96,"end":1156.04,"confidence":0.9604492,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09861568361520769},{"word":"know","start":1156.04,"end":1156.28,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.13351905345916748},{"word":"overall","start":1156.28,"end":1156.78,"confidence":0.99902344,"punctuated_word":"overall","sentiment":"neutral","sentiment_score":-0.10405274480581284},{"word":"health","start":1156.84,"end":1157.34,"confidence":0.9926758,"punctuated_word":"health,","sentiment":"neutral","sentiment_score":-0.13051804900169373},{"word":"they","start":1157.64,"end":1157.88,"confidence":0.99609375,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.22227656841278076},{"word":"can't","start":1157.88,"end":1158.12,"confidence":0.85253906,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.17397266626358032},{"word":"can","start":1158.28,"end":1158.52,"confidence":0.984375,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.18211472034454343},{"word":"sometimes","start":1158.52,"end":1159.0,"confidence":0.9941406,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":-0.1986473798751831},{"word":"add","start":1159.0,"end":1159.24,"confidence":0.99316406,"punctuated_word":"add","sentiment":"neutral","sentiment_score":-0.25488054752349854},{"word":"a","start":1159.24,"end":1159.32,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.20127910375595093},{"word":"loading","start":1159.32,"end":1159.64,"confidence":0.8857422,"punctuated_word":"loading,","sentiment":"neutral","sentiment_score":-0.2469635307788849},{"word":"which","start":1159.64,"end":1159.88,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.3149045705795288},{"word":"does","start":1159.88,"end":1160.12,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.3162845969200134},{"word":"make","start":1160.12,"end":1160.36,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.3241628110408783},{"word":"the","start":1160.36,"end":1160.4401,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.34385812282562256},{"word":"policy","start":1160.4401,"end":1160.92,"confidence":1.0,"punctuated_word":"policy","sentiment":"negative","sentiment_score":-0.4236894845962525},{"word":"more","start":1160.92,"end":1161.42,"confidence":0.99902344,"punctuated_word":"more","sentiment":"negative","sentiment_score":-0.39814257621765137},{"word":"expensive","start":1162.215,"end":1162.715,"confidence":0.9692383,"punctuated_word":"expensive.","sentiment":"neutral","sentiment_score":-0.27812039852142334},{"word":"sorry","start":1162.775,"end":1163.275,"confidence":0.9975586,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.2334036082029343},{"word":"having","start":1163.975,"end":1164.375,"confidence":0.5332031,"punctuated_word":"Having","sentiment":"negative","sentiment_score":-0.35473284125328064},{"word":"a","start":1164.375,"end":1164.535,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3060709834098816},{"word":"loading","start":1164.535,"end":1164.9349,"confidence":1.0,"punctuated_word":"loading","sentiment":"neutral","sentiment_score":-0.32623395323753357},{"word":"whilst","start":1164.9349,"end":1165.1749,"confidence":0.6074219,"punctuated_word":"whilst","sentiment":"negative","sentiment_score":-0.37937265634536743},{"word":"the","start":1165.1749,"end":1165.415,"confidence":0.390625,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4090197086334229},{"word":"bill","start":1165.415,"end":1165.575,"confidence":0.4580078,"punctuated_word":"bill","sentiment":"negative","sentiment_score":-0.3633802831172943},{"word":"makes","start":1165.575,"end":1165.895,"confidence":0.7001953,"punctuated_word":"makes","sentiment":"negative","sentiment_score":-0.4015879631042481},{"word":"the","start":1165.895,"end":1166.0549,"confidence":0.99121094,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.49030762910842896},{"word":"policy","start":1166.0549,"end":1166.455,"confidence":1.0,"punctuated_word":"policy","sentiment":"negative","sentiment_score":-0.5251287221908569},{"word":"more","start":1166.455,"end":1166.775,"confidence":1.0,"punctuated_word":"more","sentiment":"negative","sentiment_score":-0.5250155925750732},{"word":"expensive","start":1166.775,"end":1167.275,"confidence":0.9970703,"punctuated_word":"expensive","sentiment":"negative","sentiment_score":-0.5166727304458618},{"word":"means","start":1167.335,"end":1167.575,"confidence":0.99316406,"punctuated_word":"means","sentiment":"negative","sentiment_score":-0.6272944211959839},{"word":"that","start":1167.575,"end":1167.735,"confidence":0.99609375,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.5319245457649231},{"word":"you","start":1167.735,"end":1167.895,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.6099902391433716},{"word":"can","start":1167.895,"end":1168.135,"confidence":0.99902344,"punctuated_word":"can","sentiment":"negative","sentiment_score":-0.582125723361969},{"word":"claim","start":1168.135,"end":1168.455,"confidence":0.95410156,"punctuated_word":"claim","sentiment":"negative","sentiment_score":-0.4764334261417389},{"word":"for","start":1168.455,"end":1168.695,"confidence":0.6591797,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.4794747829437256},{"word":"preexisting","start":1168.695,"end":1169.195,"confidence":0.9790039,"punctuated_word":"preexisting","sentiment":"negative","sentiment_score":-0.4302791953086853},{"word":"conditions","start":1169.415,"end":1169.895,"confidence":0.91674805,"punctuated_word":"conditions,","sentiment":"negative","sentiment_score":-0.39650899171829224},{"word":"whereas","start":1169.895,"end":1170.215,"confidence":0.99316406,"punctuated_word":"whereas","sentiment":"neutral","sentiment_score":-0.28480881452560425},{"word":"an","start":1170.215,"end":1170.375,"confidence":0.9453125,"punctuated_word":"an","sentiment":"negative","sentiment_score":-0.35473623871803284},{"word":"exclusion","start":1170.375,"end":1170.855,"confidence":0.99902344,"punctuated_word":"exclusion","sentiment":"neutral","sentiment_score":-0.2764250338077545},{"word":"just","start":1170.855,"end":1171.095,"confidence":0.9633789,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.3766928315162658},{"word":"excludes","start":1171.095,"end":1171.575,"confidence":0.9248047,"punctuated_word":"excludes","sentiment":"neutral","sentiment_score":-0.33059900999069214},{"word":"that","start":1171.575,"end":1171.735,"confidence":0.9980469,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4079475402832031},{"word":"preexisting","start":1171.735,"end":1172.235,"confidence":1.0,"punctuated_word":"preexisting","sentiment":"negative","sentiment_score":-0.3849353790283203},{"word":"condition","start":1172.535,"end":1172.9349,"confidence":0.99902344,"punctuated_word":"condition","sentiment":"negative","sentiment_score":-0.35208845138549805},{"word":"completely","start":1172.9349,"end":1173.4349,"confidence":0.9995117,"punctuated_word":"completely.","sentiment":"neutral","sentiment_score":-0.3212941884994507},{"word":"it","start":1174.47,"end":1174.71,"confidence":0.96972656,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.07147878408432007},{"word":"just","start":1174.71,"end":1174.87,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07013315707445145},{"word":"comes","start":1174.87,"end":1175.03,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.04175125062465668},{"word":"down","start":1175.03,"end":1175.27,"confidence":0.9970703,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.00317247211933136},{"word":"to","start":1175.27,"end":1175.43,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01938006281852722},{"word":"how","start":1175.43,"end":1175.59,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.04653378576040268},{"word":"the","start":1175.59,"end":1175.83,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10437771677970886},{"word":"assessment","start":1175.83,"end":1176.31,"confidence":1.0,"punctuated_word":"assessment","sentiment":"neutral","sentiment_score":-0.09186743944883348},{"word":"is","start":1176.31,"end":1176.55,"confidence":0.89990234,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.04304920509457588},{"word":"but","start":1176.55,"end":1176.71,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.07429947704076767},{"word":"before","start":1176.71,"end":1177.03,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.1241346076130867},{"word":"it","start":1177.03,"end":1177.19,"confidence":0.85839844,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.16822592914104462},{"word":"ever","start":1177.19,"end":1177.51,"confidence":0.9892578,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.10837313532829285},{"word":"goes","start":1177.51,"end":1177.75,"confidence":0.9941406,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.1482650637626648},{"word":"in","start":1177.75,"end":1177.91,"confidence":0.5283203,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.16551446914672852},{"word":"force","start":1177.91,"end":1178.41,"confidence":0.9658203,"punctuated_word":"force,","sentiment":"neutral","sentiment_score":-0.18277516961097717},{"word":"the","start":1178.63,"end":1179.03,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1909618377685547},{"word":"the","start":1179.03,"end":1179.19,"confidence":0.97509766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.25001466274261475},{"word":"underwriters","start":1179.19,"end":1179.69,"confidence":0.9902344,"punctuated_word":"underwriters","sentiment":"neutral","sentiment_score":-0.2114650011062622},{"word":"come","start":1179.83,"end":1179.99,"confidence":0.99609375,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.2922843396663666},{"word":"back","start":1179.99,"end":1180.23,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.27784496545791626},{"word":"with","start":1180.23,"end":1180.39,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.26427775621414185},{"word":"their","start":1180.39,"end":1180.55,"confidence":0.95166016,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.2801695466041565},{"word":"decision","start":1180.55,"end":1180.95,"confidence":0.8491211,"punctuated_word":"decision.","sentiment":"neutral","sentiment_score":-0.21015851199626925},{"word":"they","start":1180.95,"end":1181.19,"confidence":1.0,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.23665231466293335},{"word":"speak","start":1181.19,"end":1181.43,"confidence":0.9760742,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":-0.2847612500190735},{"word":"to","start":1181.43,"end":1181.59,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2548815608024597},{"word":"us","start":1181.59,"end":1182.09,"confidence":0.88916016,"punctuated_word":"us,","sentiment":"neutral","sentiment_score":-0.19712278246879575},{"word":"and","start":1182.39,"end":1182.55,"confidence":0.9580078,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17317843437194824},{"word":"then","start":1182.55,"end":1182.87,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.1407875418663025},{"word":"we","start":1182.87,"end":1183.03,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2058521807193756},{"word":"come","start":1183.03,"end":1183.27,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.25598227977752686},{"word":"back","start":1183.27,"end":1183.51,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.27626916766166687},{"word":"and","start":1183.51,"end":1183.67,"confidence":0.77246094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1713017225265503},{"word":"we","start":1183.67,"end":1183.83,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.16954392194747925},{"word":"decide","start":1183.83,"end":1184.15,"confidence":0.98657227,"punctuated_word":"decide,","sentiment":"neutral","sentiment_score":-0.25729724764823914},{"word":"hey","start":1184.15,"end":1184.39,"confidence":0.9638672,"punctuated_word":"hey.","sentiment":"neutral","sentiment_score":-0.31292980909347534},{"word":"look","start":1184.39,"end":1184.63,"confidence":0.9260254,"punctuated_word":"Look.","sentiment":"negative","sentiment_score":-0.35265547037124634},{"word":"we're","start":1184.63,"end":1184.87,"confidence":0.9626465,"punctuated_word":"We're","sentiment":"negative","sentiment_score":-0.6479613780975342},{"word":"not","start":1184.87,"end":1185.11,"confidence":0.96435547,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.7955525517463684},{"word":"happy","start":1185.11,"end":1185.35,"confidence":0.99902344,"punctuated_word":"happy","sentiment":"negative","sentiment_score":-0.7386239767074585},{"word":"with","start":1185.35,"end":1185.51,"confidence":0.99902344,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.7482620477676392},{"word":"this","start":1185.51,"end":1185.67,"confidence":0.9812012,"punctuated_word":"this.","sentiment":"negative","sentiment_score":-0.6436417102813721},{"word":"we'll","start":1185.67,"end":1185.99,"confidence":0.99902344,"punctuated_word":"We'll","sentiment":"negative","sentiment_score":-0.4267274737358093},{"word":"fight","start":1185.99,"end":1186.23,"confidence":0.9863281,"punctuated_word":"fight","sentiment":"negative","sentiment_score":-0.5388825535774231},{"word":"it","start":1186.23,"end":1186.31,"confidence":0.82714844,"punctuated_word":"it,","sentiment":"negative","sentiment_score":-0.3409998416900635},{"word":"and","start":1186.31,"end":1186.47,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1575102657079697},{"word":"we'll","start":1186.47,"end":1186.71,"confidence":0.99902344,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":-0.09587442129850388},{"word":"tell","start":1186.71,"end":1186.95,"confidence":1.0,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":-0.16126111149787903},{"word":"you","start":1186.95,"end":1187.11,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0802093893289566},{"word":"what's","start":1187.11,"end":1187.35,"confidence":1.0,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.13398654758930206},{"word":"happening","start":1187.35,"end":1187.85,"confidence":0.9206543,"punctuated_word":"happening.","sentiment":"neutral","sentiment_score":-0.1662382185459137},{"word":"or","start":1188.585,"end":1188.825,"confidence":0.98535156,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.01587006449699402},{"word":"if","start":1188.825,"end":1188.985,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.10653707385063171},{"word":"there's","start":1188.985,"end":1189.225,"confidence":0.91967773,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.13090069591999054},{"word":"nothing","start":1189.225,"end":1189.5449,"confidence":1.0,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.13620591163635254},{"word":"that","start":1189.5449,"end":1189.705,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1963195502758026},{"word":"we","start":1189.705,"end":1189.865,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.17975594103336334},{"word":"haven't","start":1189.865,"end":1190.1849,"confidence":1.0,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.2274128943681717},{"word":"sort","start":1190.1849,"end":1190.4249,"confidence":0.98095703,"punctuated_word":"sort","sentiment":"negative","sentiment_score":-0.3606187701225281},{"word":"of","start":1190.4249,"end":1190.505,"confidence":0.82910156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.28166458010673523},{"word":"seen","start":1190.505,"end":1190.665,"confidence":0.99316406,"punctuated_word":"seen","sentiment":"negative","sentiment_score":-0.3474324345588684},{"word":"i","start":1190.745,"end":1190.905,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.21194860339164737},{"word":"mean","start":1190.905,"end":1191.3049,"confidence":0.9980469,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.172195166349411},{"word":"from","start":1191.3049,"end":1191.625,"confidence":0.98535156,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.10852476954460144},{"word":"everything","start":1191.625,"end":1192.025,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.07067719101905823},{"word":"i","start":1192.025,"end":1192.1849,"confidence":0.9838867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03222420811653137},{"word":"can","start":1192.1849,"end":1192.345,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.0464276522397995},{"word":"see","start":1192.345,"end":1192.585,"confidence":0.98706055,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":-0.003253266215324402},{"word":"you're","start":1192.585,"end":1192.745,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.06978859007358551},{"word":"pretty","start":1192.745,"end":1192.985,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.10334903001785278},{"word":"healthy","start":1192.985,"end":1193.465,"confidence":0.99853516,"punctuated_word":"healthy.","sentiment":"neutral","sentiment_score":-0.08764629811048508},{"word":"i","start":1193.465,"end":1193.5449,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3014928102493286},{"word":"don't","start":1193.5449,"end":1193.785,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.16852447390556335},{"word":"sort","start":1193.785,"end":1194.025,"confidence":0.9863281,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.20391620695590973},{"word":"of","start":1194.025,"end":1194.1849,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.18836332857608795},{"word":"expect","start":1194.1849,"end":1194.665,"confidence":0.99121094,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":-0.3292616903781891},{"word":"much","start":1194.665,"end":1194.905,"confidence":0.9790039,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.2426002323627472},{"word":"to","start":1194.905,"end":1195.065,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.30548039078712463},{"word":"come","start":1195.065,"end":1195.3049,"confidence":0.9980469,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.24976414442062375},{"word":"with","start":1195.3049,"end":1195.465,"confidence":0.6508789,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.18635305762290957},{"word":"that","start":1195.465,"end":1195.705,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2921976149082184},{"word":"at","start":1195.705,"end":1195.785,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.25974583625793457},{"word":"the","start":1195.785,"end":1195.945,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.27641761302948},{"word":"moment","start":1195.945,"end":1196.445,"confidence":0.9375,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.2477523386478424},{"word":"but","start":1197.065,"end":1197.225,"confidence":0.98291016,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.10101296007633208},{"word":"if","start":1197.225,"end":1197.385,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.012982480227947237},{"word":"there","start":1197.385,"end":1197.5449,"confidence":0.97509766,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.02340570092201233},{"word":"is","start":1197.5449,"end":1197.705,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04018653929233551},{"word":"anything","start":1197.705,"end":1198.105,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.06775803864002228},{"word":"that","start":1198.105,"end":1198.265,"confidence":0.80126953,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05375006794929504},{"word":"flags","start":1198.265,"end":1198.585,"confidence":0.9760742,"punctuated_word":"flags,","sentiment":"neutral","sentiment_score":0.0127590149641037},{"word":"we'll","start":1198.585,"end":1198.825,"confidence":0.99609375,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.09540611505508424},{"word":"come","start":1198.825,"end":1198.985,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.13419799506664276},{"word":"back","start":1198.985,"end":1199.145,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.10024262219667436},{"word":"and","start":1199.145,"end":1199.3049,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.123199000954628},{"word":"have","start":1199.3049,"end":1199.465,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12037405371665956},{"word":"that","start":1199.465,"end":1199.785,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14867845177650452},{"word":"conversation","start":1199.785,"end":1200.285,"confidence":1.0,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.08558846265077591},{"word":"prior","start":1200.4249,"end":1200.745,"confidence":0.98535156,"punctuated_word":"prior","sentiment":"neutral","sentiment_score":0.1325027048587799},{"word":"to","start":1200.745,"end":1200.825,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11132138967514038},{"word":"putting","start":1200.825,"end":1201.145,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.10446542501449584},{"word":"it","start":1201.145,"end":1201.3049,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04600824415683746},{"word":"into","start":1201.3049,"end":1201.625,"confidence":0.9892578,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.08022947609424591},{"word":"force","start":1201.625,"end":1202.025,"confidence":0.9951172,"punctuated_word":"force","sentiment":"neutral","sentiment_score":0.10185278952121736},{"word":"just","start":1202.025,"end":1202.265,"confidence":0.8198242,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13173094391822815},{"word":"so","start":1202.265,"end":1202.345,"confidence":0.9667969,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.13200867176055908},{"word":"you're","start":1202.345,"end":1202.665,"confidence":0.9946289,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.192771777510643},{"word":"fully","start":1202.665,"end":1202.985,"confidence":1.0,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.2405993938446045},{"word":"informed","start":1202.985,"end":1203.485,"confidence":0.7907715,"punctuated_word":"informed,","sentiment":"neutral","sentiment_score":0.18524999916553497},{"word":"and","start":1203.83,"end":1203.99,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2283555567264557},{"word":"then","start":1203.99,"end":1204.15,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.25954103469848633},{"word":"you","start":1204.15,"end":1204.31,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28377342224121094},{"word":"get","start":1204.31,"end":1204.71,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.25855082273483276},{"word":"the","start":1204.71,"end":1204.87,"confidence":0.7446289,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3327978551387787},{"word":"the","start":1204.87,"end":1205.03,"confidence":0.8989258,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.33099573850631714},{"word":"to","start":1205.19,"end":1205.43,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2116512805223465},{"word":"decide","start":1205.43,"end":1205.75,"confidence":0.9980469,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.18359269201755524},{"word":"whether","start":1205.75,"end":1206.07,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.09953542798757552},{"word":"you're","start":1206.07,"end":1206.31,"confidence":0.9807129,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.13954919576644895},{"word":"happy","start":1206.31,"end":1206.55,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.15887665748596191},{"word":"to","start":1206.55,"end":1206.63,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09715735912322998},{"word":"proceed","start":1206.63,"end":1207.11,"confidence":0.99902344,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":0.14108139276504517},{"word":"with","start":1207.11,"end":1207.35,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.15374864637851715},{"word":"that","start":1207.35,"end":1207.85,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3034763038158417},{"word":"offer","start":1207.91,"end":1208.15,"confidence":0.70654297,"punctuated_word":"offer","sentiment":"neutral","sentiment_score":0.2207171767950058},{"word":"of","start":1208.15,"end":1208.39,"confidence":0.94140625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.25093233585357666},{"word":"cover","start":1208.39,"end":1208.79,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.17432639002799988},{"word":"or","start":1208.79,"end":1208.95,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05789809674024582},{"word":"not","start":1208.95,"end":1209.27,"confidence":0.75,"punctuated_word":"not,","sentiment":"neutral","sentiment_score":0.08148711919784546},{"word":"and","start":1209.27,"end":1209.43,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11967703700065611},{"word":"we","start":1209.43,"end":1209.67,"confidence":0.9941406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15184718370437622},{"word":"then","start":1209.75,"end":1209.91,"confidence":0.96777344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1753835529088974},{"word":"we","start":1209.91,"end":1210.07,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12542235851287842},{"word":"kinda","start":1210.07,"end":1210.39,"confidence":0.984375,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.1079694926738739},{"word":"go","start":1210.39,"end":1210.63,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1181591898202896},{"word":"from","start":1210.63,"end":1210.79,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.13815155625343323},{"word":"there","start":1210.79,"end":1211.03,"confidence":0.9995117,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.07682433724403381},{"word":"does","start":1211.03,"end":1211.27,"confidence":1.0,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.07624443620443344},{"word":"that","start":1211.27,"end":1211.35,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11345136165618896},{"word":"make","start":1211.35,"end":1211.59,"confidence":0.99121094,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.07695698738098145},{"word":"sense","start":1211.59,"end":1212.09,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.04286499321460724},{"word":"yeah","start":1213.59,"end":1213.99,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13702435791492462},{"word":"yeah","start":1213.99,"end":1214.49,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14445078372955322},{"word":"so","start":1215.03,"end":1215.19,"confidence":0.9301758,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16173981130123138},{"word":"i","start":1215.19,"end":1215.35,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17527030408382416},{"word":"just","start":1215.35,"end":1215.51,"confidence":0.8203125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.23403246700763705},{"word":"like","start":1215.51,"end":1215.67,"confidence":0.9633789,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.28254276514053345},{"word":"to","start":1215.67,"end":1215.83,"confidence":0.94970703,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.2470315098762512},{"word":"you","start":1215.83,"end":1215.91,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.214221253991127},{"word":"know","start":1215.91,"end":1216.15,"confidence":0.9890137,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.22171911597251892},{"word":"prep","start":1216.15,"end":1216.39,"confidence":0.6328125,"punctuated_word":"prep","sentiment":"neutral","sentiment_score":0.2586185038089752},{"word":"everyone","start":1216.39,"end":1216.87,"confidence":0.58081055,"punctuated_word":"everyone,","sentiment":"neutral","sentiment_score":0.25197428464889526},{"word":"let","start":1216.87,"end":1216.95,"confidence":0.96875,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.23660334944725037},{"word":"you","start":1216.95,"end":1217.03,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2203463315963745},{"word":"know","start":1217.03,"end":1217.27,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2224833518266678},{"word":"there","start":1217.27,"end":1217.43,"confidence":0.72021484,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.24208924174308777},{"word":"are","start":1217.43,"end":1217.865,"confidence":0.7492676,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.2644062638282776},{"word":"the","start":1218.105,"end":1218.265,"confidence":0.734375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25350406765937805},{"word":"underwriters","start":1218.265,"end":1218.765,"confidence":0.99609375,"punctuated_word":"underwriters","sentiment":"neutral","sentiment_score":0.1414014995098114},{"word":"do","start":1218.825,"end":1219.145,"confidence":0.9589844,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.22897040843963623},{"word":"assess","start":1219.145,"end":1219.465,"confidence":0.9819336,"punctuated_word":"assess","sentiment":"neutral","sentiment_score":0.08408825099468231},{"word":"everything","start":1219.465,"end":1219.865,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.17776107788085938},{"word":"medically","start":1219.865,"end":1220.365,"confidence":0.99316406,"punctuated_word":"medically.","sentiment":"neutral","sentiment_score":0.16732101142406464},{"word":"anything","start":1220.825,"end":1221.225,"confidence":0.97998047,"punctuated_word":"Anything","sentiment":"neutral","sentiment_score":0.2204078882932663},{"word":"that","start":1221.225,"end":1221.465,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1908152401447296},{"word":"changes","start":1221.465,"end":1221.865,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.11278031766414642},{"word":"on","start":1221.865,"end":1222.025,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.18305212259292605},{"word":"your","start":1222.025,"end":1222.1849,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2141249477863312},{"word":"health","start":1222.1849,"end":1222.345,"confidence":0.9526367,"punctuated_word":"health","sentiment":"neutral","sentiment_score":0.14391478896141052},{"word":"from","start":1222.345,"end":1222.585,"confidence":0.9941406,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.19124279916286469},{"word":"when","start":1222.585,"end":1222.745,"confidence":0.9550781,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.14567221701145172},{"word":"the","start":1222.745,"end":1222.825,"confidence":0.8642578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13665920495986938},{"word":"original","start":1222.825,"end":1223.3049,"confidence":1.0,"punctuated_word":"original","sentiment":"neutral","sentiment_score":0.08657436072826385},{"word":"application","start":1223.3049,"end":1223.785,"confidence":1.0,"punctuated_word":"application","sentiment":"neutral","sentiment_score":0.04917587339878082},{"word":"was","start":1223.785,"end":1224.105,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.17304646968841553},{"word":"enforced","start":1224.105,"end":1224.505,"confidence":0.88183594,"punctuated_word":"enforced","sentiment":"neutral","sentiment_score":0.20364931225776672},{"word":"doesn't","start":1224.505,"end":1224.825,"confidence":0.93725586,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.13506367802619934},{"word":"affect","start":1224.825,"end":1225.225,"confidence":0.99316406,"punctuated_word":"affect","sentiment":"neutral","sentiment_score":-0.004648059606552124},{"word":"anything","start":1225.225,"end":1225.545,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.08707429468631744},{"word":"that's","start":1225.545,"end":1225.785,"confidence":0.986084,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08805131167173386},{"word":"already","start":1225.785,"end":1226.105,"confidence":1.0,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.1200001910328865},{"word":"enforced","start":1226.105,"end":1226.425,"confidence":0.8154297,"punctuated_word":"enforced.","sentiment":"neutral","sentiment_score":0.1193520650267601},{"word":"and","start":1226.425,"end":1226.585,"confidence":0.8769531,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.22421839833259585},{"word":"that's","start":1226.585,"end":1226.745,"confidence":0.9802246,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2922048270702362},{"word":"probably","start":1226.745,"end":1227.065,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"positive","sentiment_score":0.4223524034023285},{"word":"the","start":1227.065,"end":1227.145,"confidence":0.97998047,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3655588924884796},{"word":"good","start":1227.145,"end":1227.3049,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4640430212020874},{"word":"thing","start":1227.3049,"end":1227.625,"confidence":1.0,"punctuated_word":"thing","sentiment":"positive","sentiment_score":0.5371569991111755},{"word":"about","start":1227.625,"end":1227.945,"confidence":0.99316406,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.4627719223499298},{"word":"increasing","start":1227.945,"end":1228.425,"confidence":0.9873047,"punctuated_word":"increasing","sentiment":"positive","sentiment_score":0.48930397629737854},{"word":"or","start":1228.425,"end":1228.585,"confidence":0.9819336,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.4975607991218567},{"word":"altering","start":1228.585,"end":1228.985,"confidence":0.9980469,"punctuated_word":"altering","sentiment":"positive","sentiment_score":0.4389408826828003},{"word":"a","start":1228.985,"end":1229.145,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4573664367198944},{"word":"new","start":1229.145,"end":1229.645,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.20902127027511597},{"word":"a","start":1230.105,"end":1230.265,"confidence":0.98291016,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3807498216629028},{"word":"current","start":1230.265,"end":1230.665,"confidence":1.0,"punctuated_word":"current","sentiment":"positive","sentiment_score":0.3708578646183014},{"word":"policy","start":1230.665,"end":1231.165,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.271547794342041},{"word":"is","start":1231.49,"end":1231.73,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21953316032886505},{"word":"that","start":1231.73,"end":1231.89,"confidence":0.9633789,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03663605824112892},{"word":"at","start":1231.89,"end":1231.9701,"confidence":0.6738281,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.030353568494319916},{"word":"the","start":1231.9701,"end":1232.13,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04355994984507561},{"word":"moment","start":1232.13,"end":1232.4501,"confidence":0.8129883,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.01222061738371849},{"word":"you","start":1232.4501,"end":1232.61,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0005764886736869812},{"word":"do","start":1232.61,"end":1232.85,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02853535488247871},{"word":"have","start":1232.85,"end":1233.0901,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.028796344995498657},{"word":"that","start":1233.0901,"end":1233.25,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.026478618383407593},{"word":"no","start":1234.29,"end":1234.61,"confidence":0.9897461,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.05632048845291138},{"word":"that's","start":1234.61,"end":1235.11,"confidence":0.99609375,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.02273852378129959},{"word":"that's","start":1235.49,"end":1235.9701,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.11280624568462372},{"word":"correct","start":1235.9701,"end":1236.4501,"confidence":0.9995117,"punctuated_word":"correct.","sentiment":"neutral","sentiment_score":0.11529827117919922},{"word":"so","start":1236.4501,"end":1236.61,"confidence":0.93603516,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0940503105521202},{"word":"if","start":1236.61,"end":1236.85,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11410772055387496},{"word":"they","start":1236.85,"end":1237.0901,"confidence":0.99121094,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.0411694198846817},{"word":"find","start":1237.0901,"end":1237.3301,"confidence":0.9267578,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.029353752732276917},{"word":"that","start":1237.3301,"end":1237.49,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0581352561712265},{"word":"there","start":1237.49,"end":1237.65,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.024836480617523193},{"word":"is","start":1237.65,"end":1237.89,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04472948610782623},{"word":"a","start":1237.89,"end":1237.9701,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08338549733161926},{"word":"back","start":1237.9701,"end":1238.29,"confidence":0.9980469,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.1989845633506775},{"word":"exclusion","start":1238.29,"end":1238.77,"confidence":0.9301758,"punctuated_word":"exclusion,","sentiment":"neutral","sentiment_score":-0.1928403079509735},{"word":"so","start":1238.77,"end":1238.93,"confidence":0.97314453,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.07799563556909561},{"word":"long","start":1238.93,"end":1239.17,"confidence":0.99609375,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.04362852871417999},{"word":"as","start":1239.17,"end":1239.3301,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.011235922574996948},{"word":"you","start":1239.3301,"end":1239.41,"confidence":0.98291016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08017826080322266},{"word":"didn't","start":1239.41,"end":1239.81,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.04256415367126465},{"word":"have","start":1239.81,"end":1239.9701,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.04979247599840164},{"word":"that","start":1239.9701,"end":1240.4701,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.056528255343437195},{"word":"preexisting","start":1240.61,"end":1241.11,"confidence":0.9860026,"punctuated_word":"preexisting","sentiment":"neutral","sentiment_score":-0.11825601756572723},{"word":"when","start":1241.41,"end":1241.65,"confidence":0.98291016,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.057090096175670624},{"word":"you","start":1241.65,"end":1241.81,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.016011983156204224},{"word":"apply","start":1241.81,"end":1242.13,"confidence":0.7001953,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":-0.03409828245639801},{"word":"for","start":1242.13,"end":1242.29,"confidence":0.96533203,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.01228918880224228},{"word":"the","start":1242.29,"end":1242.37,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01204933226108551},{"word":"policy","start":1242.37,"end":1242.87,"confidence":0.9980469,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.052577175199985504},{"word":"originally","start":1242.93,"end":1243.43,"confidence":0.99316406,"punctuated_word":"originally,","sentiment":"neutral","sentiment_score":0.004653561860322952},{"word":"that","start":1243.9701,"end":1244.13,"confidence":0.96972656,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03934688866138458},{"word":"will","start":1244.13,"end":1244.37,"confidence":0.9863281,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.020605415105819706},{"word":"only","start":1244.37,"end":1244.77,"confidence":0.9951172,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.022472240030765533},{"word":"be","start":1244.77,"end":1245.01,"confidence":0.97509766,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.017751887440681458},{"word":"put","start":1245.01,"end":1245.17,"confidence":0.98828125,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.1285991370677948},{"word":"on","start":1245.17,"end":1245.41,"confidence":0.9707031,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.04515315592288971},{"word":"the","start":1245.41,"end":1245.91,"confidence":0.91845703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011895328760147096},{"word":"the","start":1246.05,"end":1246.2101,"confidence":0.8286133,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0032138675451278687},{"word":"increase","start":1246.2101,"end":1246.61,"confidence":0.9633789,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.009006969630718231},{"word":"of","start":1246.61,"end":1246.77,"confidence":0.82666016,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.006257012486457825},{"word":"the","start":1246.77,"end":1246.93,"confidence":0.95410156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01344020664691925},{"word":"policy","start":1246.93,"end":1247.385,"confidence":0.96777344,"punctuated_word":"policy.","sentiment":"neutral","sentiment_score":-0.028268009424209595},{"word":"so","start":1247.625,"end":1248.125,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.043541066348552704},{"word":"anything","start":1248.425,"end":1248.825,"confidence":0.93847656,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.04940776526927948},{"word":"new","start":1248.825,"end":1249.145,"confidence":0.99902344,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.07932601869106293},{"word":"only","start":1249.145,"end":1249.465,"confidence":0.9941406,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.07812339067459106},{"word":"affects","start":1249.465,"end":1249.785,"confidence":0.984375,"punctuated_word":"affects","sentiment":"neutral","sentiment_score":0.10699974000453948},{"word":"the","start":1249.785,"end":1250.025,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14723828434944153},{"word":"increased","start":1250.025,"end":1250.505,"confidence":0.9394531,"punctuated_word":"increased","sentiment":"neutral","sentiment_score":0.07501763105392456},{"word":"portion","start":1250.505,"end":1250.825,"confidence":0.9980469,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":0.10638555884361268},{"word":"of","start":1250.825,"end":1250.905,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14737145602703094},{"word":"the","start":1250.905,"end":1251.0651,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13813893496990204},{"word":"policy","start":1251.0651,"end":1251.5651,"confidence":0.97265625,"punctuated_word":"policy.","sentiment":"neutral","sentiment_score":0.06756165623664856},{"word":"it","start":1251.785,"end":1252.025,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.13873577117919922},{"word":"won't","start":1252.025,"end":1252.505,"confidence":0.99902344,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.13513067364692688},{"word":"it","start":1252.505,"end":1252.905,"confidence":0.8769531,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.134883850812912},{"word":"won't","start":1252.905,"end":1253.225,"confidence":0.9995117,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.1149500608444214},{"word":"affect","start":1253.225,"end":1253.545,"confidence":0.9951172,"punctuated_word":"affect","sentiment":"neutral","sentiment_score":-0.049310266971588135},{"word":"the","start":1253.545,"end":1253.785,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08964134752750397},{"word":"policy","start":1253.785,"end":1254.105,"confidence":0.9970703,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.05519883334636688},{"word":"that","start":1254.105,"end":1254.265,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12087419629096983},{"word":"was","start":1254.265,"end":1254.425,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.1799190491437912},{"word":"already","start":1254.425,"end":1254.825,"confidence":1.0,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.2836674153804779},{"word":"held","start":1254.825,"end":1254.985,"confidence":0.9980469,"punctuated_word":"held","sentiment":"neutral","sentiment_score":0.18613654375076297},{"word":"in","start":1254.985,"end":1255.145,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2549070715904236},{"word":"place","start":1255.145,"end":1255.465,"confidence":0.74902344,"punctuated_word":"place,","sentiment":"neutral","sentiment_score":0.249927818775177},{"word":"and","start":1255.465,"end":1255.625,"confidence":0.9819336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.247433602809906},{"word":"that's","start":1255.625,"end":1255.865,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2952006459236145},{"word":"one","start":1255.865,"end":1256.105,"confidence":0.99902344,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.3662414252758026},{"word":"benefit","start":1256.105,"end":1256.605,"confidence":0.9970703,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.29460540413856506},{"word":"we","start":1256.665,"end":1256.825,"confidence":0.9716797,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4027573466300965},{"word":"have","start":1256.825,"end":1257.0651,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4373508393764496},{"word":"to","start":1257.0651,"end":1257.545,"confidence":0.9790039,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3502729833126068},{"word":"retaining","start":1257.545,"end":1257.9451,"confidence":0.66064453,"punctuated_word":"retaining","sentiment":"positive","sentiment_score":0.4113916754722595},{"word":"the","start":1257.9451,"end":1258.105,"confidence":0.9863281,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3564249873161316},{"word":"cover","start":1258.105,"end":1258.605,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.3255036771297455},{"word":"and","start":1258.665,"end":1258.825,"confidence":0.97314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23390918970108032},{"word":"just","start":1258.825,"end":1259.145,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2796083390712738},{"word":"increasing","start":1259.145,"end":1259.625,"confidence":0.9951172,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.26757583022117615},{"word":"with","start":1259.625,"end":1259.865,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.29429930448532104},{"word":"the","start":1259.865,"end":1259.9451,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27837613224983215},{"word":"same","start":1259.9451,"end":1260.265,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.2904055714607239},{"word":"provider","start":1260.265,"end":1260.765,"confidence":1.0,"punctuated_word":"provider","sentiment":"neutral","sentiment_score":0.23410890996456143},{"word":"for","start":1260.825,"end":1261.0651,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.29923224449157715},{"word":"you","start":1261.0651,"end":1261.5651,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.21577021479606628},{"word":"yeah","start":1261.865,"end":1262.365,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.289303183555603},{"word":"yeah","start":1264.0,"end":1264.48,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.4579659700393677},{"word":"all","start":1264.48,"end":1264.8,"confidence":0.94140625,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.6609828472137451},{"word":"good","start":1264.8,"end":1265.3,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5887809991836548},{"word":"so","start":1265.68,"end":1265.92,"confidence":0.74560547,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16849340498447418},{"word":"i'll","start":1265.92,"end":1266.24,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2252727448940277},{"word":"get","start":1266.24,"end":1266.48,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.25987568497657776},{"word":"that","start":1266.48,"end":1266.72,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.33184313774108887},{"word":"quote","start":1266.72,"end":1266.96,"confidence":0.99902344,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.31152811646461487},{"word":"done","start":1266.96,"end":1267.36,"confidence":0.99560547,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.2719983458518982},{"word":"did","start":1267.36,"end":1267.6,"confidence":0.97998047,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.1566496044397354},{"word":"you","start":1267.6,"end":1267.84,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19692449271678925},{"word":"have","start":1267.84,"end":1267.92,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.19012770056724548},{"word":"any","start":1267.92,"end":1268.16,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1999501585960388},{"word":"questions","start":1268.16,"end":1268.5599,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.16569949686527252},{"word":"about","start":1268.5599,"end":1268.88,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1720380187034607},{"word":"any","start":1268.88,"end":1269.2,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.2155708372592926},{"word":"other","start":1269.2,"end":1269.36,"confidence":0.9980469,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.18567141890525815},{"word":"parts","start":1269.36,"end":1269.6,"confidence":0.98535156,"punctuated_word":"parts","sentiment":"neutral","sentiment_score":0.21597059071063995},{"word":"of","start":1269.6,"end":1269.76,"confidence":0.9873047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2339976727962494},{"word":"the","start":1269.76,"end":1269.92,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2471497505903244},{"word":"recommendations","start":1269.92,"end":1270.42,"confidence":0.72265625,"punctuated_word":"recommendations,","sentiment":"neutral","sentiment_score":0.221541166305542},{"word":"the","start":1270.72,"end":1270.96,"confidence":0.96972656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25620898604393005},{"word":"super","start":1270.96,"end":1271.44,"confidence":0.76220703,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.2593506872653961},{"word":"or","start":1271.44,"end":1271.6,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.25473424792289734},{"word":"anything","start":1271.6,"end":1272.0,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.275155246257782},{"word":"else","start":1272.0,"end":1272.24,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.2413263767957687},{"word":"there","start":1272.24,"end":1272.48,"confidence":0.99121094,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.18333491683006287},{"word":"at","start":1272.48,"end":1272.64,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.16953052580356598},{"word":"all","start":1272.64,"end":1272.8,"confidence":0.9975586,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.17125865817070007},{"word":"i'm","start":1272.8,"end":1272.96,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4483928084373474},{"word":"happy","start":1272.96,"end":1273.28,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.5231938362121582},{"word":"to","start":1273.28,"end":1273.44,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.41459590196609497},{"word":"answer","start":1273.44,"end":1273.84,"confidence":1.0,"punctuated_word":"answer","sentiment":"positive","sentiment_score":0.47417595982551575},{"word":"anything","start":1273.84,"end":1274.16,"confidence":1.0,"punctuated_word":"anything","sentiment":"positive","sentiment_score":0.6276864409446716},{"word":"you've","start":1274.16,"end":1274.4,"confidence":1.0,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.5311762690544128},{"word":"got","start":1274.4,"end":1274.9,"confidence":0.99609375,"punctuated_word":"got.","sentiment":"positive","sentiment_score":0.4446315467357635},{"word":"yeah","start":1280.5449,"end":1281.0449,"confidence":0.8737793,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01011025533080101},{"word":"yeah","start":1285.265,"end":1285.765,"confidence":0.9321289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13694564998149872},{"word":"absolutely","start":1298.41,"end":1298.91,"confidence":0.79541016,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.02828971296548843},{"word":"yeah","start":1304.1051,"end":1304.505,"confidence":0.9494629,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.44123440980911255},{"word":"definitely","start":1304.505,"end":1305.005,"confidence":0.99902344,"punctuated_word":"Definitely.","sentiment":"positive","sentiment_score":0.6336290240287781},{"word":"i","start":1305.2251,"end":1305.305,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5949230194091797},{"word":"mean","start":1305.305,"end":1305.545,"confidence":0.9807129,"punctuated_word":"mean,","sentiment":"positive","sentiment_score":0.4477200210094452},{"word":"realist","start":1305.545,"end":1306.045,"confidence":0.5852051,"punctuated_word":"realist","sentiment":"positive","sentiment_score":0.38001054525375366},{"word":"yeah","start":1306.745,"end":1307.2251,"confidence":0.99658203,"punctuated_word":"yeah.","sentiment":"positive","sentiment_score":0.47271549701690674},{"word":"i","start":1307.2251,"end":1307.305,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.46001988649368286},{"word":"mean","start":1307.305,"end":1307.625,"confidence":0.9995117,"punctuated_word":"mean,","sentiment":"positive","sentiment_score":0.5167996883392334},{"word":"realistically","start":1307.625,"end":1308.125,"confidence":0.9370117,"punctuated_word":"realistically,","sentiment":"positive","sentiment_score":0.5881823897361755},{"word":"starting","start":1308.265,"end":1308.665,"confidence":0.99609375,"punctuated_word":"starting","sentiment":"positive","sentiment_score":0.6712976098060608},{"word":"that","start":1308.665,"end":1308.905,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.7298496961593628},{"word":"next","start":1308.905,"end":1309.305,"confidence":1.0,"punctuated_word":"next","sentiment":"positive","sentiment_score":0.6233651638031006},{"word":"review","start":1309.305,"end":1309.7051,"confidence":1.0,"punctuated_word":"review","sentiment":"positive","sentiment_score":0.42878127098083496},{"word":"and","start":1309.7051,"end":1309.9451,"confidence":0.9589844,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6438952088356018},{"word":"maybe","start":1309.9451,"end":1310.265,"confidence":0.9892578,"punctuated_word":"maybe","sentiment":"positive","sentiment_score":0.7175844311714172},{"word":"doing","start":1310.265,"end":1310.505,"confidence":1.0,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.7562863826751709},{"word":"that","start":1310.505,"end":1310.745,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.7105136513710022},{"word":"over","start":1310.745,"end":1310.9851,"confidence":0.99902344,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.6750852465629578},{"word":"the","start":1310.9851,"end":1311.0651,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6059069037437439},{"word":"course","start":1311.0651,"end":1311.385,"confidence":1.0,"punctuated_word":"course","sentiment":"positive","sentiment_score":0.6308245062828064},{"word":"of","start":1311.385,"end":1311.4651,"confidence":0.9790039,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.7196156978607178},{"word":"the","start":1311.4651,"end":1311.625,"confidence":0.9921875,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6585099697113037},{"word":"years","start":1311.625,"end":1311.9451,"confidence":0.9741211,"punctuated_word":"years","sentiment":"positive","sentiment_score":0.6259350776672363},{"word":"might","start":1311.9451,"end":1312.185,"confidence":0.9604492,"punctuated_word":"might","sentiment":"positive","sentiment_score":0.7499582767486572},{"word":"even","start":1312.185,"end":1312.425,"confidence":1.0,"punctuated_word":"even","sentiment":"positive","sentiment_score":0.7560401558876038},{"word":"bring","start":1312.425,"end":1312.665,"confidence":1.0,"punctuated_word":"bring","sentiment":"positive","sentiment_score":0.7673998475074768},{"word":"your","start":1312.665,"end":1312.8251,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7724702954292297},{"word":"wife","start":1312.8251,"end":1313.1,"confidence":0.9980469,"punctuated_word":"wife","sentiment":"positive","sentiment_score":0.6952040791511536},{"word":"safer","start":1313.1799,"end":1313.58,"confidence":0.46118164,"punctuated_word":"safer","sentiment":"positive","sentiment_score":0.7024646997451782},{"word":"more","start":1313.58,"end":1313.74,"confidence":0.44677734,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.7230800986289978},{"word":"in","start":1313.74,"end":1313.9,"confidence":0.9902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.719618558883667},{"word":"line","start":1313.9,"end":1314.14,"confidence":1.0,"punctuated_word":"line","sentiment":"positive","sentiment_score":0.7112585306167603},{"word":"with","start":1314.14,"end":1314.2999,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.7420278787612915},{"word":"yours","start":1314.2999,"end":1314.62,"confidence":0.94506836,"punctuated_word":"yours,","sentiment":"positive","sentiment_score":0.7247788906097412},{"word":"which","start":1314.62,"end":1314.78,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.8202038407325745},{"word":"would","start":1314.78,"end":1314.86,"confidence":0.7519531,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.8266153931617737},{"word":"be","start":1314.86,"end":1315.02,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.8492357134819031},{"word":"kind","start":1315.02,"end":1315.1799,"confidence":0.99316406,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.8152381181716919},{"word":"of","start":1315.1799,"end":1315.34,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.856298565864563},{"word":"really","start":1315.34,"end":1315.66,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.8261661529541016},{"word":"great","start":1315.66,"end":1315.82,"confidence":0.8857422,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.741184413433075},{"word":"what","start":1315.82,"end":1315.98,"confidence":0.9980469,"punctuated_word":"What","sentiment":"positive","sentiment_score":0.3834110498428345},{"word":"we","start":1315.98,"end":1316.22,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2828025817871094},{"word":"sort","start":1316.22,"end":1316.46,"confidence":0.99316406,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.4056504964828491},{"word":"of","start":1316.46,"end":1316.78,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4057638943195343},{"word":"hope","start":1316.78,"end":1317.02,"confidence":0.9790039,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.3687599897384643},{"word":"to","start":1317.02,"end":1317.1799,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3689367175102234},{"word":"see","start":1317.1799,"end":1317.34,"confidence":1.0,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.35845181345939636},{"word":"at","start":1317.34,"end":1317.58,"confidence":0.9248047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.28169628977775574},{"word":"retirement","start":1317.58,"end":1318.0599,"confidence":0.9289551,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":0.2707486152648926},{"word":"which","start":1318.0599,"end":1318.2999,"confidence":0.9980469,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.3330087959766388},{"word":"doesn't","start":1318.2999,"end":1318.7,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.2315363883972168},{"word":"often","start":1318.7,"end":1319.1,"confidence":0.99902344,"punctuated_word":"often","sentiment":"neutral","sentiment_score":0.22353282570838928},{"word":"happen","start":1319.1,"end":1319.4199,"confidence":0.82128906,"punctuated_word":"happen,","sentiment":"neutral","sentiment_score":0.24388369917869568},{"word":"is","start":1319.4199,"end":1319.58,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.28165295720100403},{"word":"that","start":1319.58,"end":1319.74,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3062587380409241},{"word":"you","start":1319.74,"end":1319.9,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.31865227222442627},{"word":"both","start":1319.9,"end":1320.14,"confidence":0.99121094,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.2726282477378845},{"word":"have","start":1320.14,"end":1320.38,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3194013833999634},{"word":"a","start":1320.38,"end":1320.5399,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2984677851200104},{"word":"fairly","start":1320.5399,"end":1320.94,"confidence":0.99902344,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.27961674332618713},{"word":"similar","start":1320.94,"end":1321.34,"confidence":1.0,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.22165557742118835},{"word":"balance","start":1321.34,"end":1321.66,"confidence":0.99902344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.19196224212646484},{"word":"so","start":1321.66,"end":1321.82,"confidence":0.5336914,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2697567939758301},{"word":"you","start":1321.82,"end":1321.9,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4392855167388916},{"word":"can","start":1321.9,"end":1322.0599,"confidence":0.9291992,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3626062273979187},{"word":"kinda","start":1322.0599,"end":1322.38,"confidence":0.9301758,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.34153565764427185},{"word":"draw","start":1322.38,"end":1322.62,"confidence":0.9941406,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.32667776942253113},{"word":"a","start":1322.62,"end":1322.7,"confidence":0.70996094,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4347020983695984},{"word":"pro","start":1322.7,"end":1322.94,"confidence":0.9291992,"punctuated_word":"pro","sentiment":"neutral","sentiment_score":0.3216937184333801},{"word":"rata","start":1322.94,"end":1323.34,"confidence":0.984375,"punctuated_word":"rata","sentiment":"positive","sentiment_score":0.4013415575027466},{"word":"out","start":1323.34,"end":1323.58,"confidence":0.99902344,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.4052405655384064},{"word":"of","start":1323.58,"end":1323.66,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3831198215484619},{"word":"those","start":1323.66,"end":1324.0599,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2330539971590042},{"word":"to","start":1324.0599,"end":1324.22,"confidence":0.9428711,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2536989152431488},{"word":"cover","start":1324.22,"end":1324.72,"confidence":0.8312988,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":0.2879577875137329},{"word":"and","start":1324.78,"end":1325.02,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.36869463324546814},{"word":"it","start":1325.02,"end":1325.1799,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.36831262707710266},{"word":"kind","start":1325.1799,"end":1325.4199,"confidence":0.9892578,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.294475793838501},{"word":"of","start":1325.4199,"end":1325.74,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.33053329586982727},{"word":"sees","start":1325.74,"end":1325.98,"confidence":0.9790039,"punctuated_word":"sees","sentiment":"positive","sentiment_score":0.3680199682712555},{"word":"it","start":1325.98,"end":1326.22,"confidence":0.93115234,"punctuated_word":"it,","sentiment":"positive","sentiment_score":0.3758118748664856},{"word":"you","start":1326.22,"end":1326.38,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3659191429615021},{"word":"know","start":1326.38,"end":1326.7,"confidence":1.0,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.3470688462257385},{"word":"stay","start":1326.7,"end":1327.02,"confidence":0.83447266,"punctuated_word":"stay","sentiment":"positive","sentiment_score":0.46266841888427734},{"word":"aligned","start":1327.02,"end":1327.4199,"confidence":0.8076172,"punctuated_word":"aligned","sentiment":"positive","sentiment_score":0.47632354497909546},{"word":"and","start":1327.4199,"end":1327.66,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.33320796489715576},{"word":"last","start":1327.66,"end":1327.98,"confidence":0.9428711,"punctuated_word":"last","sentiment":"positive","sentiment_score":0.45668715238571167},{"word":"a","start":1327.98,"end":1328.0599,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4641910791397095},{"word":"lot","start":1328.0599,"end":1328.2999,"confidence":1.0,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.4060068726539612},{"word":"longer","start":1328.2999,"end":1328.7999,"confidence":0.7426758,"punctuated_word":"longer,","sentiment":"positive","sentiment_score":0.3483685255050659},{"word":"whereas","start":1329.215,"end":1329.535,"confidence":0.97998047,"punctuated_word":"whereas","sentiment":"neutral","sentiment_score":0.11480557918548584},{"word":"most","start":1329.535,"end":1329.775,"confidence":0.98535156,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.05441109091043472},{"word":"people","start":1329.775,"end":1330.095,"confidence":0.99902344,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.010994449257850649},{"word":"who","start":1330.095,"end":1330.335,"confidence":0.99902344,"punctuated_word":"who","sentiment":"neutral","sentiment_score":-0.07110429555177689},{"word":"retire","start":1330.335,"end":1330.735,"confidence":0.9951172,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":-0.07902660965919495},{"word":"at","start":1330.735,"end":1330.8151,"confidence":0.9550781,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1635456085205078},{"word":"the","start":1330.8151,"end":1330.895,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09475431591272354},{"word":"moment","start":1330.895,"end":1331.215,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.12937934696674347},{"word":"have","start":1331.215,"end":1331.4551,"confidence":0.9902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0823238343000412},{"word":"very","start":1331.4551,"end":1331.775,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.08426453173160553},{"word":"different","start":1331.775,"end":1332.175,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.09649989008903503},{"word":"balances","start":1332.175,"end":1332.675,"confidence":0.9562988,"punctuated_word":"balances.","sentiment":"neutral","sentiment_score":-0.1109856590628624},{"word":"you're","start":1332.735,"end":1332.895,"confidence":0.7727051,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.0396248996257782},{"word":"drawing","start":1332.895,"end":1333.215,"confidence":0.9970703,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":-0.04719014465808869},{"word":"more","start":1333.215,"end":1333.375,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.0998455211520195},{"word":"out","start":1333.375,"end":1333.615,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.0578099861741066},{"word":"of","start":1333.615,"end":1333.6951,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.045183584094047546},{"word":"one","start":1333.6951,"end":1333.935,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.13391965627670288},{"word":"and","start":1333.935,"end":1334.095,"confidence":0.9716797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04776426404714584},{"word":"less","start":1334.095,"end":1334.255,"confidence":1.0,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.023229368031024933},{"word":"out","start":1334.255,"end":1334.495,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.016617730259895325},{"word":"of","start":1334.495,"end":1334.655,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03677086532115936},{"word":"the","start":1334.655,"end":1334.735,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05840110033750534},{"word":"other","start":1334.735,"end":1334.975,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.01447257399559021},{"word":"and","start":1334.975,"end":1335.215,"confidence":0.85839844,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.006689634174108505},{"word":"you","start":1335.215,"end":1335.375,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.005536362528800964},{"word":"know","start":1335.375,"end":1335.615,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.007050998508930206},{"word":"trying","start":1335.615,"end":1335.855,"confidence":0.91259766,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.013074442744255066},{"word":"to","start":1335.855,"end":1336.015,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01632830500602722},{"word":"kinda","start":1336.015,"end":1336.255,"confidence":0.98095703,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.015152566134929655},{"word":"keep","start":1336.255,"end":1336.415,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.03993293642997742},{"word":"them","start":1336.415,"end":1336.915,"confidence":0.99902344,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.02332116663455963},{"word":"moving","start":1337.055,"end":1337.375,"confidence":0.9970703,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.08341330289840698},{"word":"at","start":1337.375,"end":1337.615,"confidence":0.96875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.021164581179618835},{"word":"the","start":1337.615,"end":1337.6951,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0683140680193901},{"word":"same","start":1337.6951,"end":1338.015,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.049473606050014496},{"word":"sort","start":1338.015,"end":1338.335,"confidence":0.9902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.00457453727722168},{"word":"of","start":1338.335,"end":1338.735,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.015085652470588684},{"word":"speed","start":1338.735,"end":1339.235,"confidence":0.97558594,"punctuated_word":"speed.","sentiment":"neutral","sentiment_score":0.02354392409324646},{"word":"but","start":1339.935,"end":1340.175,"confidence":0.74194336,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.008853863924741745},{"word":"yeah","start":1340.175,"end":1340.495,"confidence":0.9797363,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.010521221905946732},{"word":"look","start":1340.495,"end":1340.995,"confidence":0.8054199,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.02637282758951187},{"word":"because","start":1341.47,"end":1341.7101,"confidence":0.9921875,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0021465271711349487},{"word":"we","start":1341.7101,"end":1341.87,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.013887658715248108},{"word":"don't","start":1341.87,"end":1342.11,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.01953889988362789},{"word":"i","start":1342.1901,"end":1342.35,"confidence":0.9277344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06862097978591919},{"word":"don't","start":1342.35,"end":1342.47,"confidence":0.6706543,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.08519551157951355},{"word":"i","start":1342.47,"end":1342.59,"confidence":0.7685547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1289680302143097},{"word":"don't","start":1342.59,"end":1342.75,"confidence":0.9980469,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.14338791370391846},{"word":"really","start":1342.75,"end":1342.91,"confidence":0.9980469,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.1568276286125183},{"word":"want","start":1342.91,"end":1343.0701,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.17418920993804932},{"word":"you","start":1343.0701,"end":1343.23,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1489315629005432},{"word":"to","start":1343.23,"end":1343.31,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14750006794929504},{"word":"kinda","start":1343.31,"end":1343.55,"confidence":0.984375,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.12266908586025238},{"word":"get","start":1343.55,"end":1343.79,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.1741083413362503},{"word":"to","start":1343.79,"end":1343.87,"confidence":0.89746094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15448302030563354},{"word":"that","start":1343.87,"end":1344.11,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05242914706468582},{"word":"$3,000,000","start":1344.11,"end":1344.99,"confidence":0.9904785,"punctuated_word":"$3,000,000","sentiment":"neutral","sentiment_score":-0.019059624522924423},{"word":"market","start":1344.99,"end":1345.39,"confidence":0.66552734,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":-0.028370756655931473},{"word":"that","start":1345.39,"end":1345.47,"confidence":0.57421875,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.07663774490356445},{"word":"as","start":1345.55,"end":1345.7101,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0524553656578064},{"word":"much","start":1345.7101,"end":1345.9501,"confidence":0.99902344,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.06641609966754913},{"word":"as","start":1345.9501,"end":1346.03,"confidence":0.99316406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08409006148576736},{"word":"it's","start":1346.03,"end":1346.1901,"confidence":0.9916992,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.22449080646038055},{"word":"good","start":1346.1901,"end":1346.35,"confidence":0.9980469,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.22642062604427335},{"word":"to","start":1346.35,"end":1346.51,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25071361660957336},{"word":"have","start":1346.51,"end":1346.75,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2429269254207611},{"word":"$3,000,000","start":1346.75,"end":1347.55,"confidence":0.99902344,"punctuated_word":"$3,000,000","sentiment":"neutral","sentiment_score":0.22364580631256104},{"word":"in","start":1347.55,"end":1347.63,"confidence":0.85253906,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2196754813194275},{"word":"super","start":1347.63,"end":1348.03,"confidence":0.7141113,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.26999324560165405},{"word":"it","start":1348.03,"end":1348.1901,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08601008355617523},{"word":"does","start":1348.1901,"end":1348.43,"confidence":0.9921875,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.055143147706985474},{"word":"mean","start":1348.43,"end":1348.59,"confidence":0.9921875,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.06998793035745621},{"word":"there's","start":1348.59,"end":1348.8301,"confidence":0.671875,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.010561618022620678},{"word":"extra","start":1348.8301,"end":1349.15,"confidence":0.9980469,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.07404159009456635},{"word":"taxes","start":1349.15,"end":1349.63,"confidence":0.86816406,"punctuated_word":"taxes,","sentiment":"neutral","sentiment_score":-0.012721933424472809},{"word":"and","start":1349.63,"end":1349.79,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0038929134607315063},{"word":"it's","start":1349.79,"end":1350.03,"confidence":0.99658203,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.044244419783353806},{"word":"not","start":1350.03,"end":1350.27,"confidence":0.9941406,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.0339009165763855},{"word":"indexed","start":1350.27,"end":1350.67,"confidence":0.9790039,"punctuated_word":"indexed","sentiment":"neutral","sentiment_score":0.05111710727214813},{"word":"at","start":1350.67,"end":1350.8301,"confidence":0.98535156,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0812458023428917},{"word":"all","start":1350.8301,"end":1351.3301,"confidence":0.96899414,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.11233630776405334},{"word":"and","start":1351.39,"end":1351.55,"confidence":0.99316406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.13317203521728516},{"word":"it","start":1351.55,"end":1351.63,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13090035319328308},{"word":"does","start":1351.63,"end":1351.87,"confidence":0.9951172,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.18298962712287903},{"word":"also","start":1351.87,"end":1352.1901,"confidence":0.97802734,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.10945990681648254},{"word":"continue","start":1352.1901,"end":1352.67,"confidence":0.9873047,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":0.14801310002803802},{"word":"if","start":1352.67,"end":1352.8301,"confidence":0.94140625,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19323082268238068},{"word":"you're","start":1352.8301,"end":1353.165,"confidence":0.9790039,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.13436265289783478},{"word":"also","start":1353.165,"end":1353.3251,"confidence":0.8442383,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0852675810456276},{"word":"in","start":1353.3251,"end":1353.405,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11788762360811234},{"word":"that","start":1353.405,"end":1353.645,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12183862924575806},{"word":"pension","start":1353.645,"end":1354.125,"confidence":1.0,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.06614920496940613},{"word":"phase","start":1354.125,"end":1354.525,"confidence":0.99609375,"punctuated_word":"phase","sentiment":"neutral","sentiment_score":0.13511162996292114},{"word":"too","start":1354.525,"end":1354.8451,"confidence":0.83325195,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.09869584441184998},{"word":"so","start":1354.8451,"end":1355.005,"confidence":0.98095703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07602538913488388},{"word":"it's","start":1355.005,"end":1355.245,"confidence":0.99658203,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.08458083868026733},{"word":"about","start":1355.245,"end":1355.485,"confidence":0.97802734,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0685155987739563},{"word":"that","start":1355.485,"end":1355.645,"confidence":0.9873047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06279543042182922},{"word":"longevity","start":1355.645,"end":1356.145,"confidence":0.99902344,"punctuated_word":"longevity","sentiment":"neutral","sentiment_score":0.11536554992198944},{"word":"aspect","start":1356.365,"end":1356.865,"confidence":0.9802246,"punctuated_word":"aspect.","sentiment":"neutral","sentiment_score":0.06990387290716171},{"word":"so","start":1356.925,"end":1357.425,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02129388228058815},{"word":"yeah","start":1362.285,"end":1362.785,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10486052930355072},{"word":"absolutely","start":1365.005,"end":1365.505,"confidence":0.9123535,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.309212327003479},{"word":"and","start":1365.7251,"end":1365.885,"confidence":0.95751953,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.2683849334716797},{"word":"realistically","start":1365.885,"end":1366.385,"confidence":1.0,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.3005189895629883},{"word":"up","start":1366.765,"end":1366.925,"confidence":0.99609375,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.32731589674949646},{"word":"until","start":1366.925,"end":1367.405,"confidence":1.0,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.23565009236335752},{"word":"you","start":1367.405,"end":1367.905,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21542073786258695},{"word":"reach","start":1368.2051,"end":1368.63,"confidence":0.89990234,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.1534140706062317},{"word":"that","start":1368.63,"end":1368.87,"confidence":0.9301758,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20347312092781067},{"word":"agent","start":1368.87,"end":1369.11,"confidence":0.8469238,"punctuated_word":"agent,","sentiment":"neutral","sentiment_score":0.2173912525177002},{"word":"that","start":1369.11,"end":1369.61,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31483200192451477},{"word":"lovely","start":1369.67,"end":1369.99,"confidence":0.99902344,"punctuated_word":"lovely","sentiment":"neutral","sentiment_score":0.28199106454849243},{"word":"age","start":1369.99,"end":1370.23,"confidence":0.98828125,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.27099865674972534},{"word":"of","start":1370.23,"end":1370.39,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2882479429244995},{"word":"60","start":1370.39,"end":1370.71,"confidence":1.0,"punctuated_word":"60","sentiment":"neutral","sentiment_score":0.2925187945365906},{"word":"and","start":1370.71,"end":1370.95,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23476625978946689},{"word":"retire","start":1370.95,"end":1371.35,"confidence":0.9941406,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.18450680375099185},{"word":"or","start":1371.35,"end":1371.59,"confidence":0.90283203,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.26322540640830994},{"word":"65","start":1371.59,"end":1372.15,"confidence":0.99658203,"punctuated_word":"65,","sentiment":"neutral","sentiment_score":0.2258473038673401},{"word":"we","start":1372.15,"end":1372.39,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.25804755091667175},{"word":"can","start":1372.39,"end":1372.55,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2417314201593399},{"word":"only","start":1372.55,"end":1372.79,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.13745437562465668},{"word":"do","start":1372.79,"end":1373.03,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.21044978499412537},{"word":"a","start":1373.03,"end":1373.11,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1987419426441193},{"word":"few","start":1373.11,"end":1373.43,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.15694789588451383},{"word":"limited","start":1373.43,"end":1373.91,"confidence":1.0,"punctuated_word":"limited","sentiment":"neutral","sentiment_score":0.1384558230638504},{"word":"strategies","start":1373.91,"end":1374.39,"confidence":0.91381836,"punctuated_word":"strategies,","sentiment":"neutral","sentiment_score":0.17791160941123962},{"word":"but","start":1374.39,"end":1374.63,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.27466070652008057},{"word":"they","start":1374.63,"end":1374.87,"confidence":1.0,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.3842546343803406},{"word":"are","start":1374.87,"end":1375.27,"confidence":0.98535156,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.3774994909763336},{"word":"definitely","start":1375.27,"end":1375.67,"confidence":0.7597656,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.45273980498313904},{"word":"worth","start":1375.67,"end":1375.99,"confidence":0.99902344,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.3019803762435913},{"word":"having","start":1375.99,"end":1376.23,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.29253852367401123},{"word":"a","start":1376.23,"end":1376.31,"confidence":0.9921875,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.33891165256500244},{"word":"look","start":1376.31,"end":1376.63,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.3037649691104889},{"word":"at","start":1376.63,"end":1376.79,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.3281590938568115},{"word":"now","start":1376.79,"end":1377.29,"confidence":0.9921875,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.28576400876045227},{"word":"and","start":1377.67,"end":1377.91,"confidence":0.78515625,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.08133537322282791},{"word":"yeah","start":1377.91,"end":1378.07,"confidence":0.9885254,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.1498837769031525},{"word":"looking","start":1378.07,"end":1378.39,"confidence":0.6035156,"punctuated_word":"looking,","sentiment":"neutral","sentiment_score":0.1802067756652832},{"word":"you","start":1378.39,"end":1378.55,"confidence":0.8041992,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16503842175006866},{"word":"know","start":1378.55,"end":1378.5901,"confidence":0.986084,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.18509340286254883},{"word":"if","start":1378.5901,"end":1378.63,"confidence":0.9482422,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.20828217267990112},{"word":"it's","start":1378.63,"end":1378.79,"confidence":0.86694336,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.16716083884239197},{"word":"if","start":1378.87,"end":1378.95,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16068696975708008},{"word":"your","start":1378.95,"end":1379.1901,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15626832842826843},{"word":"wife","start":1379.1901,"end":1379.35,"confidence":1.0,"punctuated_word":"wife","sentiment":"neutral","sentiment_score":0.13349513709545135},{"word":"doesn't","start":1379.35,"end":1379.67,"confidence":0.9926758,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.05869727581739426},{"word":"have","start":1379.67,"end":1379.83,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0026140958070755005},{"word":"as","start":1379.83,"end":1379.99,"confidence":0.8671875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.017515242099761963},{"word":"healthy","start":1379.99,"end":1380.19,"confidence":0.8852539,"punctuated_word":"healthy","sentiment":"neutral","sentiment_score":0.053781524300575256},{"word":"a","start":1380.19,"end":1380.39,"confidence":0.90283203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07880290597677231},{"word":"balance","start":1380.39,"end":1380.79,"confidence":0.98706055,"punctuated_word":"balance,","sentiment":"neutral","sentiment_score":0.04468593746423721},{"word":"if","start":1380.79,"end":1380.95,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05768589675426483},{"word":"it's","start":1380.95,"end":1381.11,"confidence":0.98706055,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04933858662843704},{"word":"not","start":1381.11,"end":1381.35,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.06123323738574982},{"word":"really","start":1381.35,"end":1381.59,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.040360227227211},{"word":"invested","start":1381.59,"end":1382.07,"confidence":0.9863281,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.011049538850784302},{"word":"the","start":1382.07,"end":1382.15,"confidence":0.9604492,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1248142346739769},{"word":"way","start":1382.15,"end":1382.31,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.16276490688323977},{"word":"yours","start":1382.31,"end":1382.63,"confidence":0.9873047,"punctuated_word":"yours","sentiment":"neutral","sentiment_score":0.17206497490406036},{"word":"is","start":1382.63,"end":1382.79,"confidence":0.9970703,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.12048307061195374},{"word":"we","start":1382.79,"end":1382.95,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23261386156082153},{"word":"could","start":1382.95,"end":1383.11,"confidence":0.9951172,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.26981788873672485},{"word":"always","start":1383.11,"end":1383.35,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.27309125661849976},{"word":"look","start":1383.35,"end":1383.59,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1549375206232071},{"word":"to","start":1383.59,"end":1383.945,"confidence":0.9267578,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.2523793876171112},{"word":"you","start":1384.0249,"end":1384.105,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2568453848361969},{"word":"know","start":1384.105,"end":1384.4249,"confidence":0.8652344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.24869120121002197},{"word":"do","start":1384.4249,"end":1384.6649,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2744188904762268},{"word":"joint","start":1384.6649,"end":1384.9049,"confidence":0.98828125,"punctuated_word":"joint","sentiment":"neutral","sentiment_score":0.2985519766807556},{"word":"advice","start":1384.9049,"end":1385.3849,"confidence":0.98535156,"punctuated_word":"advice","sentiment":"positive","sentiment_score":0.34481915831565857},{"word":"together","start":1385.3849,"end":1385.865,"confidence":0.9428711,"punctuated_word":"together,","sentiment":"neutral","sentiment_score":0.329313188791275},{"word":"onboard","start":1385.865,"end":1386.345,"confidence":0.9614258,"punctuated_word":"onboard","sentiment":"neutral","sentiment_score":0.31196296215057373},{"word":"her","start":1386.345,"end":1386.585,"confidence":0.9941406,"punctuated_word":"her,","sentiment":"neutral","sentiment_score":0.29935628175735474},{"word":"look","start":1386.585,"end":1386.825,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.32359182834625244},{"word":"at","start":1386.825,"end":1386.985,"confidence":0.9975586,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.3203537166118622},{"word":"you","start":1386.985,"end":1387.1449,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2665545642375946},{"word":"know","start":1387.1449,"end":1387.6449,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.3174764811992645},{"word":"how","start":1388.2649,"end":1388.4249,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.3253067433834076},{"word":"contributing","start":1388.4249,"end":1388.9249,"confidence":0.9980469,"punctuated_word":"contributing","sentiment":"neutral","sentiment_score":0.2661631107330322},{"word":"to","start":1389.065,"end":1389.3049,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3785476684570313},{"word":"your","start":1389.3049,"end":1389.5449,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3502662181854248},{"word":"super","start":1389.5449,"end":1389.865,"confidence":0.9370117,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.4452999532222748},{"word":"and","start":1389.865,"end":1390.0249,"confidence":0.71484375,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3541603982448578},{"word":"then","start":1390.0249,"end":1390.345,"confidence":1.0,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.44531187415122986},{"word":"splitting","start":1390.345,"end":1390.6649,"confidence":0.99902344,"punctuated_word":"splitting","sentiment":"positive","sentiment_score":0.3685748875141144},{"word":"your","start":1390.6649,"end":1390.9049,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.34964531660079956},{"word":"contributions","start":1390.9049,"end":1391.4049,"confidence":0.98828125,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.24850985407829285},{"word":"works","start":1391.625,"end":1391.945,"confidence":0.9863281,"punctuated_word":"works","sentiment":"positive","sentiment_score":0.48137056827545166},{"word":"and","start":1391.945,"end":1392.105,"confidence":0.8413086,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.42745280265808105},{"word":"what","start":1392.105,"end":1392.2649,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.45217832922935486},{"word":"that","start":1392.2649,"end":1392.505,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3576679229736328},{"word":"projects","start":1392.505,"end":1392.985,"confidence":0.9873047,"punctuated_word":"projects","sentiment":"positive","sentiment_score":0.3751402199268341},{"word":"over","start":1392.985,"end":1393.225,"confidence":0.9770508,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.40599924325942993},{"word":"time","start":1393.225,"end":1393.5449,"confidence":0.99902344,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.4816180467605591},{"word":"to","start":1393.5449,"end":1393.705,"confidence":0.9140625,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4365826249122619},{"word":"sort","start":1393.705,"end":1393.945,"confidence":0.9921875,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.3374258279800415},{"word":"of","start":1393.945,"end":1394.105,"confidence":0.7998047,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4547500014305115},{"word":"show","start":1394.105,"end":1394.345,"confidence":0.99902344,"punctuated_word":"show","sentiment":"positive","sentiment_score":0.3839260935783386},{"word":"you","start":1394.345,"end":1394.505,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5132441520690918},{"word":"guys","start":1394.505,"end":1394.825,"confidence":0.99121094,"punctuated_word":"guys","sentiment":"positive","sentiment_score":0.5006141662597656},{"word":"where","start":1394.825,"end":1395.065,"confidence":0.99902344,"punctuated_word":"where","sentiment":"positive","sentiment_score":0.4661550521850586},{"word":"this","start":1395.065,"end":1395.3049,"confidence":1.0,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.5214151740074158},{"word":"could","start":1395.3049,"end":1395.465,"confidence":1.0,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.4884165823459625},{"word":"end","start":1395.465,"end":1395.705,"confidence":1.0,"punctuated_word":"end","sentiment":"positive","sentiment_score":0.5752535462379456},{"word":"up","start":1395.705,"end":1396.05,"confidence":0.99902344,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.5457476377487183},{"word":"and","start":1396.13,"end":1396.37,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5600340962409973},{"word":"how","start":1396.37,"end":1396.45,"confidence":1.0,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.6039166450500488},{"word":"it","start":1396.45,"end":1396.53,"confidence":0.9970703,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5932106971740723},{"word":"could","start":1396.53,"end":1396.8501,"confidence":1.0,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.5414137840270996},{"word":"benefit","start":1396.8501,"end":1397.25,"confidence":0.9453125,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.5318958759307861},{"word":"benefit","start":1397.25,"end":1397.75,"confidence":0.8203125,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.5278776288032532},{"word":"both","start":1397.9701,"end":1398.2101,"confidence":0.9941406,"punctuated_word":"both","sentiment":"positive","sentiment_score":0.6951416730880737},{"word":"of","start":1398.2101,"end":1398.7101,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.7571926116943359},{"word":"you","start":1399.0901,"end":1399.3301,"confidence":0.98950195,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.115876242518425},{"word":"down","start":1399.3301,"end":1399.65,"confidence":0.59277344,"punctuated_word":"Down","sentiment":"neutral","sentiment_score":0.11951890587806702},{"word":"the","start":1399.65,"end":1399.81,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07957088202238083},{"word":"track","start":1399.81,"end":1400.05,"confidence":0.9941406,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.09502328932285307},{"word":"when","start":1400.05,"end":1400.2101,"confidence":0.53515625,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.09633506089448927},{"word":"you","start":1400.2101,"end":1400.37,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1215277463197708},{"word":"do","start":1400.37,"end":1400.6101,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09997746348381042},{"word":"kinda","start":1400.6101,"end":1400.93,"confidence":0.98535156,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.10447131097316742},{"word":"get","start":1400.93,"end":1401.01,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.10432243347167967},{"word":"into","start":1401.01,"end":1401.3301,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.09496797621250153},{"word":"that","start":1401.3301,"end":1401.5701,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12540675699710846},{"word":"retirement","start":1401.5701,"end":1402.05,"confidence":1.0,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.06985066831111908},{"word":"phase","start":1402.05,"end":1402.37,"confidence":0.99902344,"punctuated_word":"phase","sentiment":"neutral","sentiment_score":0.1380230188369751},{"word":"as","start":1402.37,"end":1402.53,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12458835542201996},{"word":"well","start":1402.53,"end":1402.6901,"confidence":0.99194336,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.10342973470687866},{"word":"there's","start":1402.6901,"end":1403.01,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.13527147471904755},{"word":"other","start":1403.01,"end":1403.25,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.12323108315467834},{"word":"things","start":1403.25,"end":1403.5701,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.15634013712406158},{"word":"that","start":1403.5701,"end":1403.65,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16561657190322876},{"word":"we","start":1403.65,"end":1403.81,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17381805181503296},{"word":"can","start":1403.81,"end":1404.05,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2233422249555588},{"word":"do","start":1404.05,"end":1404.29,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.22024904191493988},{"word":"because","start":1404.29,"end":1404.53,"confidence":0.88964844,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.22824960947036743},{"word":"we'll","start":1404.53,"end":1404.77,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.2760888934135437},{"word":"be","start":1404.77,"end":1404.8501,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.30673015117645264},{"word":"able","start":1404.8501,"end":1405.17,"confidence":0.81933594,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.29316452145576477},{"word":"to","start":1405.17,"end":1405.25,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2725283205509186},{"word":"draw","start":1405.25,"end":1405.49,"confidence":0.99609375,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.2310688942670822},{"word":"money","start":1405.49,"end":1405.89,"confidence":0.9941406,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.21267923712730408},{"word":"out","start":1405.89,"end":1406.13,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2393132746219635},{"word":"of","start":1406.13,"end":1406.29,"confidence":0.97265625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15403461456298828},{"word":"super","start":1406.29,"end":1406.79,"confidence":0.72424316,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.2017456442117691},{"word":"we're","start":1406.93,"end":1407.17,"confidence":0.99902344,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.06443531811237335},{"word":"limited","start":1407.17,"end":1407.65,"confidence":1.0,"punctuated_word":"limited","sentiment":"neutral","sentiment_score":0.10679379850625992},{"word":"to","start":1407.65,"end":1407.81,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12301594763994216},{"word":"that","start":1407.81,"end":1408.05,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09642696380615234},{"word":"until","start":1408.05,"end":1408.37,"confidence":0.99609375,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.034100599586963654},{"word":"you","start":1408.37,"end":1408.53,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04214474558830261},{"word":"get","start":1408.53,"end":1408.6901,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.010679364204406738},{"word":"to","start":1408.6901,"end":1408.77,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.021875254809856415},{"word":"that","start":1408.77,"end":1409.01,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04853670299053192},{"word":"retirement","start":1409.01,"end":1409.51,"confidence":1.0,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.04241538792848587},{"word":"sort","start":1409.5701,"end":1409.81,"confidence":0.97265625,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.02487872540950775},{"word":"of","start":1409.81,"end":1409.89,"confidence":0.97509766,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06595389544963837},{"word":"phase","start":1409.89,"end":1410.13,"confidence":0.9980469,"punctuated_word":"phase","sentiment":"neutral","sentiment_score":0.11707556247711182},{"word":"and","start":1410.13,"end":1410.29,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06583051383495331},{"word":"meet","start":1410.29,"end":1410.4501,"confidence":0.99121094,"punctuated_word":"meet","sentiment":"neutral","sentiment_score":0.06268420815467834},{"word":"that","start":1410.4501,"end":1410.6901,"confidence":0.99121094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08936648815870285},{"word":"condition","start":1410.6901,"end":1411.0901,"confidence":0.99902344,"punctuated_word":"condition","sentiment":"neutral","sentiment_score":0.10528850555419922},{"word":"of","start":1411.0901,"end":1411.17,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07631805539131165},{"word":"release","start":1411.17,"end":1411.665,"confidence":0.96240234,"punctuated_word":"release.","sentiment":"neutral","sentiment_score":0.06219790130853653},{"word":"but","start":1411.665,"end":1411.8251,"confidence":0.82666016,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.16417039930820465},{"word":"when","start":1411.8251,"end":1411.905,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1470622569322586},{"word":"you","start":1411.905,"end":1412.0651,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16290657222270966},{"word":"get","start":1412.0651,"end":1412.2251,"confidence":0.9970703,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.14474216103553772},{"word":"to","start":1412.2251,"end":1412.385,"confidence":0.9633789,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1743949055671692},{"word":"that","start":1412.385,"end":1412.7051,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15479043126106262},{"word":"point","start":1412.7051,"end":1413.2051,"confidence":0.9975586,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":0.142962247133255},{"word":"if","start":1413.425,"end":1413.665,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1928052008152008},{"word":"your","start":1413.665,"end":1413.8251,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1020246297121048},{"word":"balance","start":1413.8251,"end":1414.145,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.06255319714546204},{"word":"is","start":1414.145,"end":1414.305,"confidence":0.9873047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1075965091586113},{"word":"still","start":1414.305,"end":1414.545,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.08425982296466827},{"word":"increasing","start":1414.545,"end":1414.9451,"confidence":1.0,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.11312796920537949},{"word":"quite","start":1414.9451,"end":1415.265,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.09278527647256853},{"word":"heavily","start":1415.265,"end":1415.665,"confidence":0.9995117,"punctuated_word":"heavily,","sentiment":"neutral","sentiment_score":0.1268148273229599},{"word":"we","start":1415.665,"end":1415.745,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1868857741355896},{"word":"can","start":1415.745,"end":1415.905,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1894041895866394},{"word":"always","start":1415.905,"end":1416.2251,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.22496041655540464},{"word":"look","start":1416.2251,"end":1416.385,"confidence":0.9892578,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.13798096776008606},{"word":"to","start":1416.385,"end":1416.4651,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2449534833431244},{"word":"draw","start":1416.4651,"end":1416.785,"confidence":1.0,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.1971607804298401},{"word":"some","start":1416.785,"end":1416.9451,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1868419349193573},{"word":"money","start":1416.9451,"end":1417.3451,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.25080180168151855},{"word":"out","start":1417.3451,"end":1417.5851,"confidence":0.99609375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.28490906953811646},{"word":"and","start":1417.5851,"end":1417.745,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1805330514907837},{"word":"move","start":1417.745,"end":1417.985,"confidence":1.0,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.2578991651535034},{"word":"it","start":1417.985,"end":1418.0651,"confidence":0.99609375,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3443160355091095},{"word":"into","start":1418.0651,"end":1418.385,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.2172672301530838},{"word":"other","start":1418.385,"end":1418.7051,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.23880276083946228},{"word":"places","start":1418.7051,"end":1419.2051,"confidence":0.97558594,"punctuated_word":"places.","sentiment":"neutral","sentiment_score":0.27718815207481384},{"word":"that","start":1419.8251,"end":1419.985,"confidence":0.99902344,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.3087238669395447},{"word":"way","start":1419.985,"end":1420.2251,"confidence":0.7602539,"punctuated_word":"way,","sentiment":"positive","sentiment_score":0.3641015291213989},{"word":"it","start":1420.2251,"end":1420.385,"confidence":0.9892578,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.38172003626823425},{"word":"sort","start":1420.385,"end":1420.545,"confidence":0.98291016,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.3243708312511444},{"word":"of","start":1420.545,"end":1420.7051,"confidence":0.6977539,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.348280668258667},{"word":"shelters","start":1420.7051,"end":1421.105,"confidence":0.99316406,"punctuated_word":"shelters","sentiment":"neutral","sentiment_score":0.291042685508728},{"word":"it","start":1421.105,"end":1421.265,"confidence":0.8828125,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4248461425304413},{"word":"from","start":1421.265,"end":1421.425,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.2254011332988739},{"word":"that","start":1421.425,"end":1421.665,"confidence":0.9892578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16733162105083466},{"word":"additional","start":1421.665,"end":1422.145,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.14349228143692017},{"word":"tax","start":1422.145,"end":1422.4651,"confidence":0.9921875,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.30730322003364563},{"word":"as","start":1422.4651,"end":1422.545,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3616741001605987},{"word":"well","start":1422.545,"end":1422.865,"confidence":0.9890137,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2702988386154175},{"word":"so","start":1422.865,"end":1423.105,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3520582914352417},{"word":"there","start":1423.105,"end":1423.3451,"confidence":0.99902344,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.42771127820014954},{"word":"are","start":1423.3451,"end":1423.5851,"confidence":0.9970703,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.435397207736969},{"word":"definitely","start":1423.5851,"end":1424.0851,"confidence":0.9970703,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.4528343379497528},{"word":"a","start":1424.145,"end":1424.2251,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4850412607192993},{"word":"lot","start":1424.2251,"end":1424.4651,"confidence":1.0,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.5457188487052917},{"word":"of","start":1424.4651,"end":1424.625,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5890896916389465},{"word":"fun","start":1424.625,"end":1425.105,"confidence":0.91381836,"punctuated_word":"fun,","sentiment":"positive","sentiment_score":0.6214845180511475},{"word":"cool","start":1425.105,"end":1425.3451,"confidence":1.0,"punctuated_word":"cool","sentiment":"positive","sentiment_score":0.7603849768638611},{"word":"strategies","start":1425.3451,"end":1425.8451,"confidence":0.99609375,"punctuated_word":"strategies","sentiment":"positive","sentiment_score":0.6829779744148254},{"word":"we","start":1425.905,"end":1426.0651,"confidence":0.9980469,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.5802924633026123},{"word":"can","start":1426.0651,"end":1426.2251,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.6662919521331787},{"word":"do","start":1426.2251,"end":1426.65,"confidence":1.0,"punctuated_word":"do.","sentiment":"positive","sentiment_score":0.649563193321228},{"word":"we're","start":1426.73,"end":1426.97,"confidence":0.9995117,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.2104332447052002},{"word":"limited","start":1426.97,"end":1427.37,"confidence":1.0,"punctuated_word":"limited","sentiment":"neutral","sentiment_score":0.16044940054416656},{"word":"now","start":1427.37,"end":1427.61,"confidence":0.9904785,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.08552616089582443},{"word":"but","start":1427.61,"end":1427.77,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.07004504650831223},{"word":"there","start":1427.77,"end":1427.93,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.07181361317634583},{"word":"are","start":1427.93,"end":1428.09,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1081249862909317},{"word":"still","start":1428.09,"end":1428.3301,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.11410312354564668},{"word":"things","start":1428.3301,"end":1428.65,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.16658125817775726},{"word":"that","start":1428.65,"end":1428.73,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17244954407215118},{"word":"we","start":1428.73,"end":1428.89,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15849755704402924},{"word":"can","start":1428.89,"end":1429.05,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.20004267990589145},{"word":"put","start":1429.05,"end":1429.29,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.22103972733020785},{"word":"in","start":1429.29,"end":1429.4501,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1737208366394043},{"word":"place","start":1429.4501,"end":1429.85,"confidence":1.0,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.2553062438964844},{"word":"to","start":1429.85,"end":1429.93,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14141109585762024},{"word":"try","start":1429.93,"end":1430.17,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.15190520882606506},{"word":"and","start":1430.17,"end":1430.67,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.126946821808815},{"word":"keep","start":1430.97,"end":1431.13,"confidence":0.51171875,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.10057924687862396},{"word":"your","start":1431.13,"end":1431.37,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07485340535640717},{"word":"balance","start":1431.37,"end":1431.87,"confidence":0.98535156,"punctuated_word":"balance,","sentiment":"neutral","sentiment_score":0.06372009217739105},{"word":"you","start":1432.01,"end":1432.17,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.030871860682964325},{"word":"know","start":1432.17,"end":1432.65,"confidence":0.9970703,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.01754913292825222},{"word":"not","start":1432.65,"end":1432.97,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.028257302939891815},{"word":"low","start":1432.97,"end":1433.4501,"confidence":0.8679199,"punctuated_word":"low,","sentiment":"neutral","sentiment_score":-0.03096083551645279},{"word":"but","start":1433.4501,"end":1433.77,"confidence":0.9941406,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.015379130840301514},{"word":"you","start":1433.77,"end":1433.93,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.024246111512184143},{"word":"know","start":1433.93,"end":1434.41,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.020241547375917435},{"word":"look","start":1434.41,"end":1434.65,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.03863205760717392},{"word":"after","start":1434.65,"end":1435.05,"confidence":0.9921875,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.020888440310955048},{"word":"it","start":1435.05,"end":1435.13,"confidence":0.9536133,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.01728636771440506},{"word":"a","start":1435.13,"end":1435.2101,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.009508341550827026},{"word":"bit","start":1435.2101,"end":1435.53,"confidence":0.99560547,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.00040394440293312073},{"word":"so","start":1435.53,"end":1435.85,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.024151120334863663},{"word":"yeah","start":1435.93,"end":1436.43,"confidence":0.99902344,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.01819653622806072},{"word":"yeah","start":1440.025,"end":1440.525,"confidence":0.982666,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03522058576345444},{"word":"yes","start":1442.025,"end":1442.525,"confidence":0.7883301,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.045515432953834534},{"word":"yeah","start":1447.385,"end":1447.885,"confidence":0.98339844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11440212279558182},{"word":"absolutely","start":1448.345,"end":1448.845,"confidence":0.9946289,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.13691794872283936},{"word":"yeah","start":1454.345,"end":1454.665,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0592389702796936},{"word":"absolutely","start":1454.665,"end":1455.165,"confidence":0.99902344,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.10450803488492966},{"word":"yeah","start":1455.7999,"end":1456.2999,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07811452448368073},{"word":"and","start":1456.36,"end":1456.6,"confidence":0.6010742,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.043917685747146606},{"word":"the","start":1456.6,"end":1456.76,"confidence":0.5708008,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04390804469585419},{"word":"income","start":1456.76,"end":1457.08,"confidence":0.9267578,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.015530429780483246},{"word":"protection","start":1457.08,"end":1457.48,"confidence":0.9741211,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.0036631040275096898},{"word":"is","start":1457.48,"end":1457.64,"confidence":0.96240234,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.025031808763742447},{"word":"the","start":1457.64,"end":1457.7999,"confidence":0.8095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02276738733053207},{"word":"yeah","start":1458.12,"end":1458.44,"confidence":0.99560547,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.053081728518009186},{"word":"absolutely","start":1458.44,"end":1458.94,"confidence":0.9975586,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.1276525855064392},{"word":"definitely","start":1459.0,"end":1459.48,"confidence":0.97143555,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":0.09218454360961914},{"word":"that","start":1459.48,"end":1459.72,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.036125972867012024},{"word":"is","start":1459.72,"end":1459.88,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.08963330835103989},{"word":"the","start":1459.88,"end":1460.04,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08873244374990463},{"word":"highest","start":1460.04,"end":1460.36,"confidence":1.0,"punctuated_word":"highest","sentiment":"neutral","sentiment_score":-0.09559682756662367},{"word":"part","start":1460.36,"end":1460.6,"confidence":1.0,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.12694576382637024},{"word":"of","start":1460.6,"end":1460.76,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10044317692518234},{"word":"the","start":1460.76,"end":1461.08,"confidence":0.97265625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11328393965959548},{"word":"the","start":1461.08,"end":1461.32,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12087230384349824},{"word":"cost","start":1461.32,"end":1461.64,"confidence":0.9970703,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.12184981256723404},{"word":"of","start":1461.64,"end":1461.7999,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14285367727279663},{"word":"your","start":1461.7999,"end":1462.2999,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1648474484682083},{"word":"insurance","start":1462.44,"end":1462.94,"confidence":0.69873047,"punctuated_word":"insurance.","sentiment":"neutral","sentiment_score":-0.1241539791226387},{"word":"unfortunately","start":1463.0,"end":1463.48,"confidence":0.7414551,"punctuated_word":"Unfortunately,","sentiment":"neutral","sentiment_score":-0.31065109372138977},{"word":"income","start":1463.48,"end":1463.7999,"confidence":0.9921875,"punctuated_word":"income","sentiment":"negative","sentiment_score":-0.42544591426849365},{"word":"protection","start":1463.7999,"end":1464.12,"confidence":0.99902344,"punctuated_word":"protection","sentiment":"negative","sentiment_score":-0.3566407859325409},{"word":"always","start":1464.12,"end":1464.44,"confidence":0.90527344,"punctuated_word":"always","sentiment":"negative","sentiment_score":-0.4060143232345581},{"word":"costs","start":1464.44,"end":1464.6799,"confidence":0.5258789,"punctuated_word":"costs","sentiment":"neutral","sentiment_score":-0.322659432888031},{"word":"the","start":1464.6799,"end":1464.84,"confidence":0.98828125,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4516921639442444},{"word":"most","start":1464.84,"end":1465.08,"confidence":1.0,"punctuated_word":"most","sentiment":"negative","sentiment_score":-0.3970549106597901},{"word":"out","start":1465.08,"end":1465.24,"confidence":0.9941406,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.34787696599960327},{"word":"of","start":1465.24,"end":1465.4,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2642306387424469},{"word":"all","start":1465.4,"end":1465.5599,"confidence":0.9980469,"punctuated_word":"all","sentiment":"negative","sentiment_score":-0.35265588760375977},{"word":"of","start":1465.5599,"end":1465.64,"confidence":0.99902344,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.33735233545303345},{"word":"them","start":1465.64,"end":1465.96,"confidence":0.9187012,"punctuated_word":"them.","sentiment":"negative","sentiment_score":-0.33728837966918945},{"word":"so","start":1465.96,"end":1466.28,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.027402430772781372},{"word":"i'll","start":1466.28,"end":1466.52,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.03518492355942726},{"word":"start","start":1466.52,"end":1466.84,"confidence":0.9614258,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.06918717920780182},{"word":"by","start":1466.84,"end":1467.0,"confidence":0.9970703,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.09032368659973145},{"word":"getting","start":1467.0,"end":1467.32,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.10475561022758484},{"word":"that","start":1467.32,"end":1467.48,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13239669799804688},{"word":"quote","start":1467.48,"end":1467.72,"confidence":0.99902344,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.04971935600042343},{"word":"there","start":1467.72,"end":1467.96,"confidence":0.99316406,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.16910824179649353},{"word":"for","start":1467.96,"end":1468.2,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14808452129364014},{"word":"you","start":1468.2,"end":1468.36,"confidence":0.9951172,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.13072893023490906},{"word":"my","start":1468.36,"end":1468.6,"confidence":1.0,"punctuated_word":"My","sentiment":"neutral","sentiment_score":0.13981536030769348},{"word":"team","start":1468.6,"end":1468.84,"confidence":1.0,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.14233726263046265},{"word":"will","start":1468.84,"end":1469.0,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.15885239839553833},{"word":"email","start":1469.0,"end":1469.32,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.17096416652202606},{"word":"it","start":1469.32,"end":1469.48,"confidence":0.84716797,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13215278089046478},{"word":"through","start":1469.48,"end":1469.955,"confidence":1.0,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.1132403314113617},{"word":"i","start":1470.195,"end":1470.355,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11712146550416946},{"word":"did","start":1470.355,"end":1470.595,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.14347466826438904},{"word":"email","start":1470.595,"end":1470.835,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.12691128253936768},{"word":"you","start":1470.835,"end":1470.995,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09970515221357346},{"word":"this","start":1470.995,"end":1471.1549,"confidence":0.84765625,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.10237044841051102},{"word":"afternoon","start":1471.1549,"end":1471.5549,"confidence":0.9921875,"punctuated_word":"afternoon","sentiment":"neutral","sentiment_score":0.1386571228504181},{"word":"just","start":1471.5549,"end":1471.715,"confidence":0.7314453,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10013815015554428},{"word":"kinda","start":1471.715,"end":1471.955,"confidence":0.97509766,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.10318280011415482},{"word":"going","start":1471.955,"end":1472.195,"confidence":0.99609375,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.13093072175979614},{"word":"through","start":1472.195,"end":1472.4349,"confidence":0.9760742,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.10924140363931656},{"word":"answering","start":1472.4349,"end":1472.755,"confidence":0.96777344,"punctuated_word":"answering","sentiment":"neutral","sentiment_score":0.0982670933008194},{"word":"those","start":1472.755,"end":1473.075,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.08640123903751373},{"word":"questions","start":1473.075,"end":1473.5549,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.07647693157196045},{"word":"for","start":1473.5549,"end":1473.715,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11118384450674056},{"word":"you","start":1473.715,"end":1473.875,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13579747080802915},{"word":"as","start":1473.875,"end":1474.0349,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13473190367221832},{"word":"well","start":1474.0349,"end":1474.195,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.10594499856233595},{"word":"and","start":1474.195,"end":1474.4349,"confidence":0.7993164,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06351074576377869},{"word":"just","start":1474.4349,"end":1474.595,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10491977632045746},{"word":"kinda","start":1474.595,"end":1474.9149,"confidence":0.60058594,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.07976788282394409},{"word":"reiterating","start":1474.9149,"end":1475.4149,"confidence":0.99934894,"punctuated_word":"reiterating,","sentiment":"neutral","sentiment_score":0.03700248897075653},{"word":"you","start":1475.5549,"end":1475.715,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.007212735712528229},{"word":"know","start":1475.715,"end":1475.875,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.008804980665445328},{"word":"the","start":1475.875,"end":1476.0349,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.030866339802742004},{"word":"risk","start":1476.0349,"end":1476.2749,"confidence":0.9980469,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.04876464605331421},{"word":"factor","start":1476.2749,"end":1476.595,"confidence":0.98291016,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":-0.05979703366756439},{"word":"and","start":1476.595,"end":1476.835,"confidence":0.9658203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.003364600241184234},{"word":"what","start":1476.835,"end":1476.995,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.021094977855682373},{"word":"we","start":1476.995,"end":1477.1549,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.025283299386501312},{"word":"can","start":1477.1549,"end":1477.315,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07043366134166718},{"word":"do","start":1477.315,"end":1477.475,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04981189966201782},{"word":"other","start":1477.475,"end":1477.715,"confidence":0.6826172,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.06139916926622391},{"word":"strategy","start":1477.715,"end":1478.115,"confidence":0.99609375,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.03303840383887291},{"word":"wise","start":1478.115,"end":1478.4349,"confidence":0.98828125,"punctuated_word":"wise","sentiment":"neutral","sentiment_score":0.034702375531196594},{"word":"with","start":1478.4349,"end":1478.595,"confidence":0.96435547,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0169183611869812},{"word":"the","start":1478.595,"end":1478.755,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.023210488259792328},{"word":"insurances","start":1478.755,"end":1479.255,"confidence":0.9977214,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":-0.0007309330394491553},{"word":"did","start":1480.115,"end":1480.355,"confidence":0.9707031,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.026341203600168228},{"word":"you","start":1480.355,"end":1480.515,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.029797963798046112},{"word":"get","start":1480.515,"end":1480.6749,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.036982301622629166},{"word":"a","start":1480.6749,"end":1480.755,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.024021446704864505},{"word":"chance","start":1480.755,"end":1481.075,"confidence":1.0,"punctuated_word":"chance","sentiment":"neutral","sentiment_score":0.02613045647740364},{"word":"to","start":1481.075,"end":1481.235,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.008999187499284744},{"word":"read","start":1481.235,"end":1481.3949,"confidence":0.95410156,"punctuated_word":"read","sentiment":"neutral","sentiment_score":-0.007408425211906433},{"word":"through","start":1481.3949,"end":1481.5549,"confidence":0.98291016,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.004138227552175522},{"word":"that","start":1481.5549,"end":1481.715,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.009753141552209854},{"word":"or","start":1481.715,"end":1481.955,"confidence":0.85498047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.002491261810064316},{"word":"not","start":1481.955,"end":1482.115,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0124891996383667},{"word":"yet","start":1482.115,"end":1482.2749,"confidence":0.94628906,"punctuated_word":"yet?","sentiment":"neutral","sentiment_score":-0.006999453529715538},{"word":"if","start":1482.2749,"end":1482.4349,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.019444521516561508},{"word":"you","start":1482.4349,"end":1482.595,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.023165050894021988},{"word":"haven't","start":1482.595,"end":1482.9149,"confidence":0.9973958,"punctuated_word":"haven't,","sentiment":"neutral","sentiment_score":-0.02233090065419674},{"word":"it's","start":1482.9149,"end":1483.17,"confidence":0.82177734,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.03511850908398628},{"word":"okay","start":1488.13,"end":1488.63,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.05857180431485176},{"word":"yeah","start":1488.6901,"end":1489.1901,"confidence":0.9379883,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05554401874542236},{"word":"yeah","start":1501.095,"end":1501.595,"confidence":0.8132324,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011087973602116108},{"word":"absolutely","start":1501.6549,"end":1502.1549,"confidence":0.99853516,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":-0.005601778626441956},{"word":"yep","start":1508.135,"end":1508.635,"confidence":0.97753906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.119315467774868},{"word":"yeah","start":1520.63,"end":1521.03,"confidence":0.9741211,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10568031668663024},{"word":"no","start":1521.03,"end":1521.27,"confidence":0.9921875,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.20084387063980105},{"word":"absolutely","start":1521.27,"end":1521.77,"confidence":0.986084,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.35746994614601135},{"word":"not","start":1522.3099,"end":1522.5499,"confidence":1.0,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.4620737135410309},{"word":"a","start":1522.5499,"end":1522.63,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4038364887237549},{"word":"problem","start":1522.63,"end":1522.87,"confidence":1.0,"punctuated_word":"problem.","sentiment":"positive","sentiment_score":0.5243322849273682},{"word":"i've","start":1522.87,"end":1523.11,"confidence":0.9980469,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.597388744354248},{"word":"actually","start":1523.11,"end":1523.35,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.5682361721992493},{"word":"got","start":1523.35,"end":1523.51,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.5838583707809448},{"word":"a","start":1523.51,"end":1523.59,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6210476160049438},{"word":"really","start":1523.59,"end":1523.75,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6656929850578308},{"word":"good","start":1523.75,"end":1523.91,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6071096062660217},{"word":"account","start":1523.91,"end":1524.23,"confidence":0.99902344,"punctuated_word":"account","sentiment":"positive","sentiment_score":0.6659464836120605},{"word":"we","start":1524.23,"end":1524.3099,"confidence":0.9633789,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.6571390628814697},{"word":"can","start":1524.3099,"end":1524.5499,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.6905854344367981},{"word":"refer","start":1524.5499,"end":1524.87,"confidence":1.0,"punctuated_word":"refer","sentiment":"positive","sentiment_score":0.5955268144607544},{"word":"you","start":1524.87,"end":1525.11,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6455222368240356},{"word":"through","start":1525.11,"end":1525.35,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.6386749744415283},{"word":"to","start":1525.35,"end":1525.85,"confidence":0.9506836,"punctuated_word":"to.","sentiment":"positive","sentiment_score":0.5314709544181824},{"word":"i","start":1526.275,"end":1526.435,"confidence":0.98535156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23294731974601743},{"word":"normally","start":1526.435,"end":1526.835,"confidence":0.9951172,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":0.23417074978351593},{"word":"do","start":1526.835,"end":1527.075,"confidence":0.8737793,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.23839294910430908},{"word":"like","start":1527.075,"end":1527.315,"confidence":0.9975586,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.2246298789978027},{"word":"a","start":1527.315,"end":1527.555,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23407897353172305},{"word":"a","start":1527.555,"end":1527.635,"confidence":0.91503906,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21309947967529297},{"word":"bit","start":1527.635,"end":1527.795,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.24852615594863892},{"word":"of","start":1527.795,"end":1527.955,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.27923664450645447},{"word":"a","start":1527.955,"end":1528.035,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24016597867012024},{"word":"welcome","start":1528.035,"end":1528.515,"confidence":1.0,"punctuated_word":"welcome","sentiment":"neutral","sentiment_score":0.18893861770629883},{"word":"email","start":1528.515,"end":1528.915,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.31402677297592163},{"word":"that","start":1528.915,"end":1529.235,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24826426804065704},{"word":"introduces","start":1529.235,"end":1529.735,"confidence":0.9970703,"punctuated_word":"introduces","sentiment":"neutral","sentiment_score":0.21200397610664368},{"word":"you","start":1529.795,"end":1530.035,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2676680386066437},{"word":"to","start":1530.035,"end":1530.115,"confidence":0.87353516,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2764624357223511},{"word":"him","start":1530.115,"end":1530.355,"confidence":0.890625,"punctuated_word":"him","sentiment":"neutral","sentiment_score":0.2733282148838043},{"word":"and","start":1530.355,"end":1530.515,"confidence":0.8881836,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2835679352283478},{"word":"him","start":1530.515,"end":1530.755,"confidence":0.99902344,"punctuated_word":"him","sentiment":"neutral","sentiment_score":0.270637571811676},{"word":"to","start":1530.755,"end":1530.835,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3060888350009918},{"word":"you","start":1530.835,"end":1531.075,"confidence":0.99658203,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.288514643907547},{"word":"his","start":1531.075,"end":1531.235,"confidence":0.9970703,"punctuated_word":"His","sentiment":"positive","sentiment_score":0.4093160033226013},{"word":"name's","start":1531.235,"end":1531.555,"confidence":0.6998291,"punctuated_word":"name's","sentiment":"positive","sentiment_score":0.39498063921928406},{"word":"steve","start":1531.555,"end":1531.955,"confidence":0.92089844,"punctuated_word":"Steve.","sentiment":"positive","sentiment_score":0.4457204043865204},{"word":"he's","start":1531.955,"end":1532.195,"confidence":0.986084,"punctuated_word":"He's","sentiment":"positive","sentiment_score":0.758083701133728},{"word":"fantastic","start":1532.195,"end":1532.695,"confidence":1.0,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.6737039089202881},{"word":"are","start":1533.715,"end":1533.875,"confidence":0.9472656,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.26645296812057495},{"word":"you","start":1533.875,"end":1534.035,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2309822291135788},{"word":"comfortable","start":1534.035,"end":1534.515,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.1861933022737503},{"word":"if","start":1534.515,"end":1534.675,"confidence":0.9760742,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2560146152973175},{"word":"i","start":1534.675,"end":1534.755,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22671887278556824},{"word":"do","start":1534.755,"end":1534.915,"confidence":0.7714844,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1611485779285431},{"word":"that","start":1534.915,"end":1535.155,"confidence":0.9550781,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22210174798965457},{"word":"introduction","start":1535.155,"end":1535.655,"confidence":1.0,"punctuated_word":"introduction","sentiment":"neutral","sentiment_score":0.17752031981945038},{"word":"email","start":1535.715,"end":1536.035,"confidence":0.99194336,"punctuated_word":"email?","sentiment":"neutral","sentiment_score":0.21739277243614197},{"word":"i'll","start":1536.035,"end":1536.195,"confidence":0.9941406,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.11809442937374116},{"word":"probably","start":1536.195,"end":1536.515,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.11820507049560548},{"word":"do","start":1536.515,"end":1536.595,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10598534345626832},{"word":"it","start":1536.595,"end":1536.675,"confidence":0.90478516,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10585112869739532},{"word":"first","start":1536.675,"end":1536.915,"confidence":0.9980469,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.113840751349926},{"word":"thing","start":1536.915,"end":1537.075,"confidence":0.9970703,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.14796188473701477},{"word":"in","start":1537.075,"end":1537.235,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10740421712398528},{"word":"the","start":1537.235,"end":1537.315,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12073885649442671},{"word":"morning","start":1537.315,"end":1537.715,"confidence":1.0,"punctuated_word":"morning","sentiment":"neutral","sentiment_score":0.12053677439689636},{"word":"for","start":1537.715,"end":1537.795,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11491894721984865},{"word":"you","start":1537.795,"end":1537.955,"confidence":0.8334961,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.1189340353012085},{"word":"which","start":1537.955,"end":1538.34,"confidence":0.9980469,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.144090473651886},{"word":"introduces","start":1538.74,"end":1539.22,"confidence":0.90283203,"punctuated_word":"introduces","sentiment":"neutral","sentiment_score":0.1865067481994629},{"word":"you","start":1539.22,"end":1539.46,"confidence":0.7183838,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.22054998576641083},{"word":"and","start":1539.46,"end":1539.62,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1876054555177689},{"word":"i","start":1539.62,"end":1539.7799,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1829359233379364},{"word":"provide","start":1539.7799,"end":1540.1799,"confidence":0.63378906,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.17363350093364716},{"word":"him","start":1540.1799,"end":1540.34,"confidence":0.9223633,"punctuated_word":"him","sentiment":"neutral","sentiment_score":0.17003601789474487},{"word":"just","start":1540.34,"end":1540.58,"confidence":0.8925781,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2142905741930008},{"word":"some","start":1540.58,"end":1540.82,"confidence":0.9370117,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1684378981590271},{"word":"basic","start":1540.82,"end":1541.22,"confidence":0.99902344,"punctuated_word":"basic","sentiment":"neutral","sentiment_score":0.15792346000671387},{"word":"information","start":1541.22,"end":1541.72,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.17203743755817413},{"word":"for","start":1541.7799,"end":1541.94,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1976949572563171},{"word":"you","start":1541.94,"end":1542.1,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1869663447141647},{"word":"and","start":1542.1,"end":1542.22,"confidence":0.9448242,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1927783191204071},{"word":"a","start":1542.22,"end":1542.34,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20968253910541537},{"word":"bit","start":1542.34,"end":1542.5,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2194851189851761},{"word":"of","start":1542.5,"end":1542.58,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2226874828338623},{"word":"an","start":1542.58,"end":1542.74,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.21722511947155},{"word":"idea","start":1542.74,"end":1543.0599,"confidence":1.0,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.18832650780677795},{"word":"of","start":1543.0599,"end":1543.14,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21175774931907657},{"word":"what","start":1543.14,"end":1543.38,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.19824615120887756},{"word":"you're","start":1543.38,"end":1543.5399,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1826849579811096},{"word":"after","start":1543.5399,"end":1544.0399,"confidence":0.8088379,"punctuated_word":"after,","sentiment":"neutral","sentiment_score":0.166402667760849},{"word":"and","start":1544.5,"end":1544.6599,"confidence":0.8833008,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15884244441986084},{"word":"then","start":1544.6599,"end":1544.82,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.16748158633708954},{"word":"he'll","start":1544.82,"end":1545.0599,"confidence":0.9980469,"punctuated_word":"he'll","sentiment":"neutral","sentiment_score":0.1557825654745102},{"word":"be","start":1545.0599,"end":1545.22,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1650996208190918},{"word":"in","start":1545.22,"end":1545.38,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1609819233417511},{"word":"touch","start":1545.38,"end":1545.7,"confidence":1.0,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.1514432579278946},{"word":"to","start":1545.7,"end":1545.86,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17243877053260803},{"word":"book","start":1545.86,"end":1546.02,"confidence":1.0,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.14867821335792542},{"word":"a","start":1546.02,"end":1546.1799,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1764252930879593},{"word":"time","start":1546.1799,"end":1546.4199,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.17522801458835602},{"word":"to","start":1546.4199,"end":1546.6599,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16715994477272034},{"word":"meet","start":1546.6599,"end":1546.9,"confidence":0.96777344,"punctuated_word":"meet","sentiment":"neutral","sentiment_score":0.13680213689804077},{"word":"you","start":1546.9,"end":1547.0599,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20861181616783145},{"word":"with","start":1547.0599,"end":1547.22,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2058543711900711},{"word":"an","start":1547.22,"end":1547.46,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.19716739654541016},{"word":"initial","start":1547.46,"end":1547.86,"confidence":1.0,"punctuated_word":"initial","sentiment":"neutral","sentiment_score":0.17272554337978363},{"word":"consultation","start":1547.86,"end":1548.36,"confidence":1.0,"punctuated_word":"consultation","sentiment":"neutral","sentiment_score":0.1555338352918625},{"word":"and","start":1548.5,"end":1548.6599,"confidence":0.9716797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.177021786570549},{"word":"talk","start":1548.6599,"end":1548.9,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.19381393492221832},{"word":"about","start":1548.9,"end":1549.14,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1878683865070343},{"word":"what","start":1549.14,"end":1549.2999,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1889685690402985},{"word":"he","start":1549.2999,"end":1549.46,"confidence":1.0,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.18223229050636292},{"word":"can","start":1549.46,"end":1549.62,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15362775325775146},{"word":"do","start":1549.62,"end":1549.7,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13932839035987854},{"word":"and","start":1549.7,"end":1549.86,"confidence":0.97314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17386507987976074},{"word":"look","start":1549.86,"end":1550.1,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.17330995202064514},{"word":"at","start":1550.1,"end":1550.1799,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.170114666223526},{"word":"what","start":1550.1799,"end":1550.34,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.17702434957027435},{"word":"you're","start":1550.34,"end":1550.58,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.17807656526565552},{"word":"after","start":1550.58,"end":1551.08,"confidence":0.7519531,"punctuated_word":"after,","sentiment":"neutral","sentiment_score":0.1294095516204834},{"word":"and","start":1551.135,"end":1551.295,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11177156865596773},{"word":"then","start":1551.295,"end":1551.535,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09689174592494965},{"word":"he'll","start":1551.535,"end":1551.615,"confidence":0.9951172,"punctuated_word":"he'll","sentiment":"neutral","sentiment_score":0.11413341760635376},{"word":"kinda","start":1551.615,"end":1552.015,"confidence":0.98095703,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.11684176325798036},{"word":"go","start":1552.015,"end":1552.255,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11291231960058212},{"word":"from","start":1552.255,"end":1552.415,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.14605070650577545},{"word":"there","start":1552.415,"end":1552.655,"confidence":0.99609375,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.1103929728269577},{"word":"is","start":1552.655,"end":1552.8151,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.11411461979150772},{"word":"that","start":1552.8151,"end":1552.975,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1436733603477478},{"word":"okay","start":1552.975,"end":1553.475,"confidence":1.0,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.10171429812908173},{"word":"yep","start":1554.895,"end":1555.295,"confidence":0.7480469,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.24111805856227875},{"word":"fantastic","start":1555.295,"end":1555.795,"confidence":1.0,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.6108238697052002},{"word":"i'll","start":1555.855,"end":1555.935,"confidence":1.0,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.4778231084346771},{"word":"get","start":1555.935,"end":1556.175,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4747369885444641},{"word":"that","start":1556.175,"end":1556.335,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5021460056304932},{"word":"email","start":1556.335,"end":1556.655,"confidence":0.7919922,"punctuated_word":"email","sentiment":"positive","sentiment_score":0.4445953369140625},{"word":"done","start":1556.655,"end":1556.895,"confidence":0.6694336,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.2689175009727478},{"word":"first","start":1556.895,"end":1557.135,"confidence":0.80126953,"punctuated_word":"first","sentiment":"positive","sentiment_score":0.34345361590385437},{"word":"thing","start":1557.135,"end":1557.295,"confidence":0.9980469,"punctuated_word":"thing","sentiment":"positive","sentiment_score":0.33514437079429626},{"word":"in","start":1557.295,"end":1557.455,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.31925833225250244},{"word":"the","start":1557.455,"end":1557.535,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3784807324409485},{"word":"morning","start":1557.535,"end":1557.855,"confidence":1.0,"punctuated_word":"morning","sentiment":"positive","sentiment_score":0.37820330262184143},{"word":"for","start":1557.855,"end":1558.015,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4073087275028229},{"word":"you","start":1558.015,"end":1558.335,"confidence":0.98291016,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.3240308165550232},{"word":"not","start":1558.335,"end":1558.495,"confidence":1.0,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.3718423545360565},{"word":"a","start":1558.495,"end":1558.655,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2775414288043976},{"word":"problem","start":1558.655,"end":1559.055,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.3079189658164978},{"word":"at","start":1559.055,"end":1559.215,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.318342387676239},{"word":"all","start":1559.215,"end":1559.6951,"confidence":0.9506836,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.35689520835876465},{"word":"and","start":1559.6951,"end":1560.015,"confidence":0.7194824,"punctuated_word":"And,","sentiment":"positive","sentiment_score":0.3363341987133026},{"word":"yeah","start":1560.015,"end":1560.255,"confidence":0.9902344,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.3601974844932556},{"word":"he's","start":1560.255,"end":1560.495,"confidence":0.99853516,"punctuated_word":"he's","sentiment":"positive","sentiment_score":0.46227043867111206},{"word":"a","start":1560.495,"end":1560.575,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4992925822734833},{"word":"great","start":1560.575,"end":1560.8151,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.4933339059352875},{"word":"accountant","start":1560.8151,"end":1561.215,"confidence":0.873291,"punctuated_word":"accountant.","sentiment":"positive","sentiment_score":0.4772269129753113},{"word":"i","start":1561.215,"end":1561.295,"confidence":0.9970703,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5195424556732178},{"word":"think","start":1561.295,"end":1561.535,"confidence":1.0,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.5756916403770447},{"word":"he's","start":1561.535,"end":1561.775,"confidence":0.9970703,"punctuated_word":"he's","sentiment":"positive","sentiment_score":0.6106904745101929},{"word":"fantastic","start":1561.775,"end":1562.275,"confidence":0.99316406,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.62466961145401},{"word":"he's","start":1562.335,"end":1562.575,"confidence":0.9885254,"punctuated_word":"He's","sentiment":"positive","sentiment_score":0.5455234050750732},{"word":"a","start":1562.575,"end":1562.8151,"confidence":0.6977539,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5416939854621887},{"word":"he's","start":1562.895,"end":1563.135,"confidence":0.9995117,"punctuated_word":"he's","sentiment":"positive","sentiment_score":0.5309684872627258},{"word":"perfect","start":1563.135,"end":1563.635,"confidence":0.9995117,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.481972873210907},{"word":"you","start":1563.66,"end":1563.8201,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.2850475013256073},{"word":"wanna","start":1563.8201,"end":1564.14,"confidence":0.5878906,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.30322474241256714},{"word":"nerd","start":1564.14,"end":1564.38,"confidence":0.7788086,"punctuated_word":"nerd","sentiment":"neutral","sentiment_score":0.2843259572982788},{"word":"in","start":1564.38,"end":1564.4601,"confidence":0.50683594,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2703564763069153},{"word":"your","start":1564.4601,"end":1564.62,"confidence":0.9873047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2823708951473236},{"word":"accountant","start":1564.62,"end":1565.02,"confidence":0.64904785,"punctuated_word":"accountant,","sentiment":"neutral","sentiment_score":0.2595556378364563},{"word":"then","start":1565.02,"end":1565.18,"confidence":0.6616211,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.33559760451316833},{"word":"he","start":1565.18,"end":1565.3401,"confidence":0.83740234,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.2334091067314148},{"word":"is","start":1565.3401,"end":1565.5,"confidence":0.9838867,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21573978662490845},{"word":"it","start":1565.5,"end":1565.66,"confidence":0.95654297,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.21015621721744537},{"word":"steve","start":1565.66,"end":1565.98,"confidence":0.99121094,"punctuated_word":"Steve","sentiment":"neutral","sentiment_score":0.12352436035871506},{"word":"is","start":1565.98,"end":1566.14,"confidence":0.98535156,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15660832822322843},{"word":"it","start":1566.14,"end":1566.64,"confidence":0.9970703,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.13576069474220276},{"word":"he","start":1566.86,"end":1567.02,"confidence":0.9970703,"punctuated_word":"He","sentiment":"neutral","sentiment_score":0.08799652755260468},{"word":"is","start":1567.02,"end":1567.18,"confidence":0.8701172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07074157893657684},{"word":"just","start":1567.18,"end":1567.3401,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15733560919761658},{"word":"so","start":1567.3401,"end":1567.5801,"confidence":0.9536133,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.16598892211914062},{"word":"knowledgeable","start":1567.5801,"end":1568.0801,"confidence":0.9995117,"punctuated_word":"knowledgeable.","sentiment":"neutral","sentiment_score":0.11557724326848984},{"word":"beautiful","start":1571.1,"end":1571.6,"confidence":0.9970703,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.3936309218406677},{"word":"easy","start":1571.9,"end":1572.3,"confidence":0.99902344,"punctuated_word":"Easy.","sentiment":"positive","sentiment_score":0.3687516450881958},{"word":"well","start":1572.3,"end":1572.54,"confidence":0.99902344,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.28666168451309204},{"word":"thank","start":1572.54,"end":1572.78,"confidence":1.0,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.5139828324317932},{"word":"you","start":1572.78,"end":1573.02,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4492936134338379},{"word":"so","start":1573.02,"end":1573.3401,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.42115116119384766},{"word":"much","start":1573.3401,"end":1573.74,"confidence":1.0,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.417239785194397},{"word":"i'm","start":1573.74,"end":1573.9,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4261040687561035},{"word":"glad","start":1573.9,"end":1574.14,"confidence":1.0,"punctuated_word":"glad","sentiment":"positive","sentiment_score":0.5519618391990662},{"word":"you","start":1574.14,"end":1574.3,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.42753562331199646},{"word":"took","start":1574.3,"end":1574.4601,"confidence":1.0,"punctuated_word":"took","sentiment":"positive","sentiment_score":0.4875247180461883},{"word":"some","start":1574.4601,"end":1574.62,"confidence":0.9951172,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.3684082329273224},{"word":"time","start":1574.62,"end":1574.86,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.4253248572349548},{"word":"to","start":1574.86,"end":1574.9401,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4460746943950653},{"word":"read","start":1574.9401,"end":1575.18,"confidence":1.0,"punctuated_word":"read","sentiment":"positive","sentiment_score":0.4282708168029785},{"word":"the","start":1575.18,"end":1575.3401,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3740461468696594},{"word":"document","start":1575.3401,"end":1575.8401,"confidence":1.0,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.32399100065231323},{"word":"i'll","start":1576.06,"end":1576.2201,"confidence":0.8828125,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.20878784358501432},{"word":"try","start":1576.2201,"end":1576.4601,"confidence":0.99902344,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.22761112451553345},{"word":"to","start":1576.4601,"end":1576.54,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23453329503536224},{"word":"i","start":1576.62,"end":1576.7001,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1729421615600586},{"word":"know","start":1576.7001,"end":1576.86,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.19000472128391263},{"word":"you","start":1576.86,"end":1577.02,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1647256314754486},{"word":"are","start":1577.02,"end":1577.26,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1680462658405304},{"word":"very","start":1577.26,"end":1577.5,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.14545120298862457},{"word":"busy","start":1577.5,"end":1577.9,"confidence":0.8251953,"punctuated_word":"busy,","sentiment":"neutral","sentiment_score":0.14899778366088867},{"word":"so","start":1577.9,"end":1578.285,"confidence":0.9892578,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1490580439567566},{"word":"i","start":1578.525,"end":1578.685,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.166519433259964},{"word":"can","start":1578.685,"end":1578.765,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16133804619312286},{"word":"try","start":1578.765,"end":1579.005,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.13051292300224304},{"word":"to","start":1579.005,"end":1579.0851,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15959420800209043},{"word":"do","start":1579.0851,"end":1579.3251,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15110895037651062},{"word":"as","start":1579.3251,"end":1579.485,"confidence":0.98535156,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.16949662566184998},{"word":"much","start":1579.485,"end":1579.725,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.19002509117126465},{"word":"as","start":1579.725,"end":1579.885,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1832447052001953},{"word":"i","start":1579.885,"end":1579.9651,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22136838734149933},{"word":"can","start":1579.9651,"end":1580.125,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.18087737262248993},{"word":"by","start":1580.125,"end":1580.365,"confidence":0.97998047,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.19057327508926392},{"word":"email","start":1580.365,"end":1580.765,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.2480262666940689},{"word":"for","start":1580.765,"end":1580.925,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.24272239208221436},{"word":"you","start":1580.925,"end":1581.0851,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.305536687374115},{"word":"as","start":1581.0851,"end":1581.245,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2560325860977173},{"word":"well","start":1581.245,"end":1581.485,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.26394155621528625},{"word":"just","start":1581.485,"end":1581.645,"confidence":0.94921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2651841938495636},{"word":"to","start":1581.645,"end":1581.805,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2206999659538269},{"word":"make","start":1581.805,"end":1581.9651,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.27746105194091797},{"word":"it","start":1581.9651,"end":1582.125,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.29677480459213257},{"word":"a","start":1582.125,"end":1582.2051,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.32178163528442383},{"word":"lot","start":1582.2051,"end":1582.4451,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.31417199969291687},{"word":"easier","start":1582.4451,"end":1582.925,"confidence":0.9970703,"punctuated_word":"easier.","sentiment":"neutral","sentiment_score":0.2598734498023987},{"word":"i've","start":1582.925,"end":1583.0851,"confidence":0.99560547,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.10921450704336166},{"word":"kind","start":1583.0851,"end":1583.245,"confidence":0.9667969,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1245301589369774},{"word":"of","start":1583.245,"end":1583.405,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15679000318050385},{"word":"sat","start":1583.405,"end":1583.645,"confidence":0.9404297,"punctuated_word":"sat","sentiment":"neutral","sentiment_score":0.10609494894742966},{"word":"down","start":1583.645,"end":1583.885,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.11274729669094086},{"word":"with","start":1583.885,"end":1584.045,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08031756430864334},{"word":"our","start":1584.045,"end":1584.125,"confidence":0.9248047,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.08570220321416855},{"word":"team","start":1584.125,"end":1584.365,"confidence":0.99902344,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.07850725948810577},{"word":"and","start":1584.365,"end":1584.4451,"confidence":0.9350586,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0750187486410141},{"word":"gone","start":1584.4451,"end":1584.685,"confidence":0.91503906,"punctuated_word":"gone,","sentiment":"neutral","sentiment_score":0.08682332932949066},{"word":"hey","start":1584.685,"end":1584.8451,"confidence":0.9423828,"punctuated_word":"hey.","sentiment":"neutral","sentiment_score":0.04132714122533798},{"word":"look","start":1584.8451,"end":1585.0851,"confidence":0.88183594,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":0.026885593309998512},{"word":"not","start":1585.0851,"end":1585.3251,"confidence":0.9970703,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.0010348930954933169},{"word":"everyone's","start":1585.3251,"end":1585.725,"confidence":0.95654297,"punctuated_word":"everyone's","sentiment":"neutral","sentiment_score":0.008693642914295197},{"word":"available","start":1585.725,"end":1586.125,"confidence":0.99902344,"punctuated_word":"available","sentiment":"neutral","sentiment_score":-0.00201503187417984},{"word":"on","start":1586.125,"end":1586.285,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0034815967082977295},{"word":"the","start":1586.285,"end":1586.365,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.006758064031600952},{"word":"phone","start":1586.365,"end":1586.605,"confidence":1.0,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.0011884234845638275},{"word":"all","start":1586.605,"end":1586.765,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.02430262789130211},{"word":"the","start":1586.765,"end":1586.8451,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04963701590895653},{"word":"time","start":1586.8451,"end":1587.0851,"confidence":0.96972656,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.0552993044257164},{"word":"especially","start":1587.0851,"end":1587.485,"confidence":1.0,"punctuated_word":"especially","sentiment":"neutral","sentiment_score":0.036685019731521606},{"word":"family","start":1587.485,"end":1587.885,"confidence":0.7163086,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.04722054302692413},{"word":"and","start":1587.885,"end":1587.9651,"confidence":0.8911133,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.017317108809947968},{"word":"kids","start":1587.9651,"end":1588.2051,"confidence":0.99902344,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.050268154591321945},{"word":"and","start":1588.2051,"end":1588.4451,"confidence":0.43432617,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.046663034707307816},{"word":"work","start":1588.4451,"end":1588.8451,"confidence":0.81518555,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":0.0517304465174675},{"word":"so","start":1588.8451,"end":1589.3451,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0986262783408165},{"word":"we","start":1589.5651,"end":1589.805,"confidence":0.9770508,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15783259272575378},{"word":"worked","start":1589.805,"end":1590.125,"confidence":0.9873047,"punctuated_word":"worked","sentiment":"neutral","sentiment_score":0.16797374188899994},{"word":"up","start":1590.125,"end":1590.285,"confidence":0.98095703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.11081930994987488},{"word":"a","start":1590.285,"end":1590.365,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13275009393692017},{"word":"few","start":1590.365,"end":1590.605,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.1157270148396492},{"word":"ways","start":1590.605,"end":1590.8451,"confidence":1.0,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":0.13477109372615814},{"word":"to","start":1590.8451,"end":1591.005,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1264767944812775},{"word":"do","start":1591.005,"end":1591.165,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12973035871982574},{"word":"a","start":1591.165,"end":1591.245,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1221211478114128},{"word":"lot","start":1591.245,"end":1591.485,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.11529140919446944},{"word":"more","start":1591.485,"end":1591.725,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.122094988822937},{"word":"via","start":1591.725,"end":1591.9651,"confidence":0.6826172,"punctuated_word":"via","sentiment":"neutral","sentiment_score":0.15417233109474182},{"word":"email","start":1591.9651,"end":1592.285,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.1567607820034027},{"word":"if","start":1592.285,"end":1592.525,"confidence":0.8618164,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.18011370301246643},{"word":"that","start":1592.525,"end":1592.685,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19429291784763336},{"word":"helps","start":1592.685,"end":1593.005,"confidence":0.99902344,"punctuated_word":"helps","sentiment":"neutral","sentiment_score":0.16240499913692474},{"word":"you","start":1593.005,"end":1593.165,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1518981009721756},{"word":"out","start":1593.165,"end":1593.48,"confidence":0.9873047,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.18388217687606812},{"word":"well","start":1593.48,"end":1593.98,"confidence":0.99853516,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.08067493885755539},{"word":"okay","start":1596.12,"end":1596.62,"confidence":0.96118164,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05600839480757713},{"word":"i","start":1598.9199,"end":1599.08,"confidence":0.30444336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13067872822284698},{"word":"see","start":1599.08,"end":1599.58,"confidence":0.9863281,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.16480523347854614},{"word":"yeah","start":1602.04,"end":1602.54,"confidence":0.9440918,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.26919400691986084},{"word":"not","start":1603.72,"end":1603.88,"confidence":0.90527344,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.44261372089385986},{"word":"a","start":1603.88,"end":1604.2,"confidence":0.97802734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.28436410427093506},{"word":"not","start":1604.2,"end":1604.44,"confidence":0.9921875,"punctuated_word":"not","sentiment":"positive","sentiment_score":0.33911237120628357},{"word":"a","start":1604.44,"end":1604.6,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.364624559879303},{"word":"problem","start":1604.6,"end":1604.9199,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.33329030871391296},{"word":"at","start":1604.9199,"end":1605.08,"confidence":0.9980469,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3957501351833343},{"word":"all","start":1605.08,"end":1605.32,"confidence":0.99316406,"punctuated_word":"all,","sentiment":"positive","sentiment_score":0.3985850512981415},{"word":"matthew","start":1605.32,"end":1605.7999,"confidence":0.99560547,"punctuated_word":"Matthew.","sentiment":"positive","sentiment_score":0.5021630525588989},{"word":"thank","start":1605.7999,"end":1606.04,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8240950107574463},{"word":"you","start":1606.04,"end":1606.2,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8758822679519653},{"word":"so","start":1606.2,"end":1606.36,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8645519018173218},{"word":"much","start":1606.36,"end":1606.52,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.8779023289680481},{"word":"for","start":1606.52,"end":1606.6,"confidence":0.9819336,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8673860430717468},{"word":"your","start":1606.6,"end":1606.76,"confidence":0.99609375,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.871793270111084},{"word":"time","start":1606.76,"end":1607.0,"confidence":0.9995117,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.8856298923492432},{"word":"i'll","start":1607.0,"end":1607.16,"confidence":0.99853516,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.7907819747924805},{"word":"let","start":1607.16,"end":1607.32,"confidence":0.99902344,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.8611559867858887},{"word":"you","start":1607.32,"end":1607.48,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8193337917327881},{"word":"go","start":1607.48,"end":1607.72,"confidence":0.99902344,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.8430145978927612},{"word":"to","start":1607.72,"end":1607.7999,"confidence":0.9902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.8595554828643799},{"word":"have","start":1607.7999,"end":1608.04,"confidence":0.9980469,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.8209210634231567},{"word":"a","start":1608.04,"end":1608.12,"confidence":0.99316406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7945958375930786},{"word":"good","start":1608.12,"end":1608.28,"confidence":0.9980469,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.7447088956832886},{"word":"night","start":1608.28,"end":1608.44,"confidence":0.97314453,"punctuated_word":"night","sentiment":"positive","sentiment_score":0.8187947273254395},{"word":"with","start":1608.44,"end":1608.735,"confidence":0.97509766,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.8658769130706787},{"word":"the","start":1608.735,"end":1608.815,"confidence":0.734375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.8207215666770935},{"word":"kids","start":1608.815,"end":1609.135,"confidence":0.99902344,"punctuated_word":"kids.","sentiment":"positive","sentiment_score":0.7785549163818359},{"word":"i","start":1609.135,"end":1609.215,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.7801145911216736},{"word":"hope","start":1609.215,"end":1609.455,"confidence":1.0,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.7611702084541321},{"word":"you","start":1609.455,"end":1609.615,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7239250540733337},{"word":"have","start":1609.615,"end":1609.775,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.7153224945068359},{"word":"a","start":1609.775,"end":1609.855,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7373768091201782},{"word":"restful","start":1609.855,"end":1610.335,"confidence":0.9980469,"punctuated_word":"restful","sentiment":"positive","sentiment_score":0.7717046737670898},{"word":"evening","start":1610.335,"end":1610.575,"confidence":1.0,"punctuated_word":"evening","sentiment":"positive","sentiment_score":0.7731577754020691},{"word":"and","start":1610.575,"end":1610.815,"confidence":0.9921875,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.7529497146606445},{"word":"a","start":1610.815,"end":1610.895,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7865347862243652},{"word":"good","start":1610.895,"end":1611.0549,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.7366847991943359},{"word":"weekend","start":1611.0549,"end":1611.455,"confidence":1.0,"punctuated_word":"weekend","sentiment":"positive","sentiment_score":0.7378718852996826},{"word":"ahead","start":1611.455,"end":1611.955,"confidence":0.99902344,"punctuated_word":"ahead.","sentiment":"positive","sentiment_score":0.6598372459411621},{"word":"no","start":1613.9349,"end":1614.255,"confidence":0.9970703,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.19495631754398343},{"word":"worries","start":1614.255,"end":1614.755,"confidence":0.99853516,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.25068628787994385},{"word":"easy","start":1614.815,"end":1615.095,"confidence":0.9042969,"punctuated_word":"Easy.","sentiment":"positive","sentiment_score":0.3404119610786438},{"word":"i'll","start":1615.095,"end":1615.375,"confidence":0.81518555,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.6080366969108582},{"word":"thank","start":1616.255,"end":1616.495,"confidence":0.9951172,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.6919541954994202},{"word":"you","start":1616.495,"end":1616.735,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7730389833450317},{"word":"so","start":1616.735,"end":1616.975,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7449893951416016},{"word":"much","start":1616.975,"end":1617.295,"confidence":1.0,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.7398796081542969},{"word":"i'll","start":1617.295,"end":1617.535,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.524669885635376},{"word":"get","start":1617.535,"end":1617.695,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.6467432975769043},{"word":"my","start":1617.695,"end":1617.855,"confidence":1.0,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.5123664140701294},{"word":"team","start":1617.855,"end":1618.095,"confidence":0.9941406,"punctuated_word":"team","sentiment":"positive","sentiment_score":0.5091139674186707},{"word":"to","start":1618.095,"end":1618.335,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.521500825881958},{"word":"focus","start":1618.335,"end":1618.655,"confidence":0.9980469,"punctuated_word":"focus","sentiment":"positive","sentiment_score":0.4850112795829773},{"word":"on","start":1618.655,"end":1618.895,"confidence":0.9970703,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.5688490271568298},{"word":"the","start":1618.895,"end":1619.0549,"confidence":0.85253906,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.586967408657074},{"word":"email","start":1619.0549,"end":1619.375,"confidence":1.0,"punctuated_word":"email","sentiment":"positive","sentiment_score":0.6156716346740723},{"word":"for","start":1619.375,"end":1619.535,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4955466687679291},{"word":"you","start":1619.535,"end":1619.615,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5656595230102539},{"word":"and","start":1619.615,"end":1619.775,"confidence":0.65771484,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4393406212329865},{"word":"make","start":1619.775,"end":1619.9349,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.4761294424533844},{"word":"sure","start":1619.9349,"end":1620.095,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.4784564077854157},{"word":"it","start":1620.095,"end":1620.255,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4276101291179657},{"word":"comes","start":1620.255,"end":1620.575,"confidence":1.0,"punctuated_word":"comes","sentiment":"positive","sentiment_score":0.4306698739528656},{"word":"out","start":1620.575,"end":1621.02,"confidence":0.7844238,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.3040768802165985},{"word":"and","start":1621.5,"end":1621.5801,"confidence":0.9140625,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2266857922077179},{"word":"i'll","start":1621.5801,"end":1621.8201,"confidence":0.9946289,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.3385748267173767},{"word":"also","start":1621.8201,"end":1622.14,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2331809103488922},{"word":"get","start":1622.14,"end":1622.3,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4375210404396057},{"word":"that","start":1622.3,"end":1622.54,"confidence":0.9921875,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4149325489997864},{"word":"email","start":1622.54,"end":1622.86,"confidence":0.9970703,"punctuated_word":"email","sentiment":"positive","sentiment_score":0.4029989242553711},{"word":"done","start":1622.86,"end":1623.02,"confidence":0.9941406,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.4582134187221527},{"word":"to","start":1623.02,"end":1623.18,"confidence":0.87841797,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4626901149749756},{"word":"the","start":1623.18,"end":1623.42,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.41457128524780273},{"word":"accountant's","start":1623.42,"end":1623.92,"confidence":0.8540039,"punctuated_word":"accountant's","sentiment":"positive","sentiment_score":0.34222161769866943},{"word":"referral","start":1624.22,"end":1624.7001,"confidence":0.9716797,"punctuated_word":"referral","sentiment":"neutral","sentiment_score":0.28345417976379395},{"word":"tomorrow","start":1624.7001,"end":1625.1,"confidence":1.0,"punctuated_word":"tomorrow","sentiment":"positive","sentiment_score":0.4790706634521485},{"word":"for","start":1625.1,"end":1625.26,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3873990774154663},{"word":"you","start":1625.26,"end":1625.42,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.45015692710876465},{"word":"as","start":1625.42,"end":1625.5801,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3279608190059662},{"word":"well","start":1625.5801,"end":1625.98,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2644409239292145},{"word":"okay","start":1625.98,"end":1626.48,"confidence":0.9267578,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.23228678107261655},{"word":"my","start":1628.22,"end":1628.54,"confidence":0.9863281,"punctuated_word":"My","sentiment":"positive","sentiment_score":0.847858726978302},{"word":"pleasure","start":1628.54,"end":1628.9401,"confidence":0.9995117,"punctuated_word":"pleasure.","sentiment":"positive","sentiment_score":0.8278068900108337},{"word":"have","start":1628.9401,"end":1629.1,"confidence":1.0,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.7899344563484192},{"word":"a","start":1629.1,"end":1629.18,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.791353166103363},{"word":"lovely","start":1629.18,"end":1629.5801,"confidence":1.0,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.8641921281814575},{"word":"evening","start":1629.5801,"end":1629.9,"confidence":0.9995117,"punctuated_word":"evening.","sentiment":"positive","sentiment_score":0.7857861518859863},{"word":"thank","start":1629.9,"end":1630.06,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7312272787094116},{"word":"you","start":1630.06,"end":1630.22,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8474727869033813},{"word":"so","start":1630.22,"end":1630.38,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8272197246551514},{"word":"much","start":1630.38,"end":1630.54,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.8832305073738098},{"word":"for","start":1630.54,"end":1630.7001,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8432167172431946},{"word":"taking","start":1630.7001,"end":1631.02,"confidence":1.0,"punctuated_word":"taking","sentiment":"positive","sentiment_score":0.897851824760437},{"word":"my","start":1631.02,"end":1631.26,"confidence":1.0,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.8682268857955933},{"word":"call","start":1631.26,"end":1631.76,"confidence":1.0,"punctuated_word":"call.","sentiment":"positive","sentiment_score":0.829280436038971},{"word":"thanks","start":1633.34,"end":1633.8201,"confidence":0.97924805,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.5563326478004456},{"word":"see","start":1633.8201,"end":1634.06,"confidence":0.9951172,"punctuated_word":"See","sentiment":"positive","sentiment_score":0.4186582267284394},{"word":"you","start":1634.06,"end":1634.22,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4805501699447632},{"word":"later","start":1634.22,"end":1634.72,"confidence":1.0,"punctuated_word":"later.","sentiment":"positive","sentiment_score":0.4932076632976532},{"word":"bye","start":1634.78,"end":1635.28,"confidence":0.99902344,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.1111380085349083}],"paragraphs":{"transcript":"\nHi, Matthew. It's Zena from OQ Financial. How are you this afternoon? I'm very well. Thank you.\n\nI just had you booked in just to have a bit quick bit of a quick catch up, in relation to your advice document that I sent through earlier. Is now still a good time there for you? Yeah. Fantastic. Before I jump into the call, just to let you know we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that? Fantastic. And just to do a quick security check there for you, just to confirm your full name, your date of birth, and address I should have on file as well. Yep. Lovely.\n\nThank you so much for that. I know you are really busy, so I figured sending that through to you and then having the presentation done by email essentially kind of outlines everything so you can read it in your own time. I figured that might be a lot easier for you there, and then we just have this catch up to sort of discuss what it is that's being recommended, what your thoughts are, see if you have any additional questions, and then you get to decide what you wanna do. How does that sound? Oh, that's okay.\n\nYeah. No. That's okay. I saw that, and I thought, look. Maybe you're a workaholic, Mike.\n\nMe. I don't judge there. Don't worry in any way, shape, or form. But, no. Honestly, it's not a problem at all.\n\nBut thank you so much for going through and having a look at that. I do appreciate it. I know one of the things that you sort of brought up for me was, obviously, the concern around around the expenses with regard to the the out of pocket portion. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Absolutely. Yeah.\n\nYeah. Your heads up. Yeah. Abs absolutely. No.\n\nCompletely understand. So the main thing that we sort of look at and all the different insurances, while they can overlap, do have specific triggers. So, like, normally, if you were to say have a car accident or motorcycle accident or you broke your back and couldn't go to work, that doesn't necessarily constitute a trauma a trauma diagnosis. So trauma wouldn't be claimable in that instance, and it's not quite for TPD. You'd still be going through, you know, seeking treatment and things like that, so it wouldn't really qualify for TPD upfront.\n\nSo that's when you would qualify for income protection. So if you offer off work and at the moment with that hundred and four week waiting period, you would have to sort of wait that long and cover your expenses in the short term before you're able to submit the claim. So it is quite a longer waiting period there. If you were still off work after, say, you know, six or twelve months and your doctor said, hey. Look.\n\nYou're never going back to work again. We can't keep, you know, trying to find a way to get you back, then they would agree to TPD. And in that instance, you could claim that total permanent disability. Because you've got the out of pocket policy as well as inside super, they would assess the any occupation inside super first. If you didn't meet that definition, then they assess the out of pocket policy at that point.\n\nBut, realistically, you know, depending on what it is and what you do for work, if it was really serious, you know, you broke your back and could never go back to work again, then you would probably make that any definition. So but, yeah, it's more just about what triggers first. Normally, income protection is what is triggered first because you're still going through treatment, and income protection covers a portion of your income to help, you know, alleviate some expenditure and cover your bills in the short term whilst you're seeking treatment, trying to get back to work. And then if you then can't go back to work, then it triggers TBD after that point. Does that make sense?\n\nYeah. Mhmm. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Absolutely. The other side of it is with those hardship provisions, to access hardship through your super, you have to be on Centrelink for twenty six weeks because they require what's called a q two thirty letter. So you'd have to be off work and on Centrelink receiving that for six months prior to you actually being able to claim.\n\nAnd that is that's quite a a condition to meet. That would be requiring you to not be able to work for six months and still having to be able to receive some sort of settling benefits, which are pretty minimal at this point in time. So that that is definitely increasing the risk level there for you. So I mean, with with the way that I've tried to sort of structure the income protection to alleviate that a little bit is to kind of whilst we're reducing the waiting period to thirty days, also reduce that benefit period back from age 65 to five years. Because, realistically, if you think about, you know, what could go wrong Exactly.\n\nYeah. Definitely. No. Yeah. I can organize that.\n\nYep. Yes. Mhmm. No. No.\n\nDefinitely not. That they will just keep increasing. And one of the things we sort of want to look at with insurances is we tend to need to have a higher level of cover now. We pay down our mortgage as much as possible, get our super balance up even higher, and then we can start to decrease the cover. So, realistically, we should be able to decrease the cover over time.\n\nI'm absolutely happy to get that quote for you. I just need to let you know I'm away next week. So I will get my team to organize the quote, and I will get one of them to email that through to you to have a look at. It takes about five to seven days to come through from Chow. That's why, unfortunately, I couldn't have didn't quite get the quote done last time.\n\nI do apologize about that. But is that okay with you if we get the I'll organize that tomorrow from my team, and I'll get one of them to email through to you when they receive it next week. Is that okay? Yes. It still it still affects you.\n\nYeah. Absolutely. Completely understand. And you've got kids and normal expenses and school and all the things going on. So Yeah.\n\nYep. Yes. Yeah. Yep. It was.\n\nYeah. Absolutely. No. That's okay. Yeah.\n\nCorrect. Yep. Yep. Mhmm. Mhmm.\n\nYeah. Mhmm. No. You're right. Yep.\n\nYeah. Yeah. Yeah. Yeah. Mhmm.\n\nYeah. Abs absolutely. Yeah. They have, unfortunately. Yeah.\n\n50 nine six is in. Yep. All the taxes are happening. It's the thing. Yeah.\n\nNo. Look. Honestly, it's a really valid question. And, essentially, you can't sort of stop contributions going into your account. Those employer contributions have to go into your super.\n\nThat is mandated. With the projected outcome over the next ten years, we're okay. We're sitting at 1.6 currently with the projected outcome, and that is in that's if your super can get 11.11 every year. Realistically, you could be on track for that even if your super doesn't quite get it because you have a higher balance now, and more money makes more money. But what we can definitely look at doing is we can do things like spousal splitting.\n\nEssentially, that means that you're still contributing to your super, but at the end of each financial year, correct, we can transfer up to 85% of that year's contributions into your partner's into your wife's super, and that boosts up her super as well. We can definitely look at doing that every year, and I'm absolutely happy. Maybe the next annual review, we have a look at that. I would also wanna have a look at her super if that's something she'd be open to maybe looking at doing it together as a joint piece. And it I don't have to onboard her to do it, but it is honestly easy if we can look at her super and make sure it is working to its best of its ability as well.\n\nOtherwise, I'm just recommending to put money in. Yeah. Yep. Yeah. Yeah.\n\nOh, that'll be ART. That'll be Australian Retirement Trust now. Yeah. Yeah. You're right.\n\nYep. Yep. Yeah. Yeah. Yep.\n\nYes. Yep. Yep. No. Yeah.\n\nWith with the the debt, is that just like a an ACO tax debt, or are you now liable for, like, DIV two nine three? What does the account say about it? Alright. Right. Yep.\n\nYep. Okay. What's the total income? How much does it look like it's gonna be? Okay.\n\nYeah. Because if it's if it's triggering dev two two nine two two nine three tax, which is the tax that you pay, it's the extra 15% on super contributions and the additional tax that you pay for earning over 250,000. Speak to an accountant because it is if it's triggering div two nine three tax, you can elect to have that tax paid out of your super. Yeah. So that might alleviate a little bit of pressure, but make sure you go and speak to your accountant first, get them to run the numbers, and confirm if it's just, you know, you haven't paid enough tax, and there's just a normal ATO tax bill.\n\nLike, self employed people tend to get a tax bill instead of paying tax on a regular basis. But if it is related to DIV two nine three and it's because you've earned over 250,000 for the year, bring that up with the accountant because, essentially, you can elect for DIV two nine three. You can elect to have it paid out of your super fund. And as much as it's not always fun to take extra money out of super, it might just alleviate that little bit of pressure for you if you're able to do it that way and if it is DIV293. So that might be one thing to chat to an account in about to give you, hopefully, some good news.\n\nYes. Yeah. Definitely. Absolutely. Yes.\n\nYeah. Yeah. Yeah. Yeah. No.\n\nNo. No. No. I understand that. We do that a a lot of that, unfortunately.\n\nNo. But, look, I completely understand. And what what I would probably say first is we I I'll get those quotes organized for you. I'll organize my team to request them tomorrow. I'll get my admin team member, Caden, to email those through to you when he receives them next week.\n\nAnd then I'm technically on holidays for two weeks. So I'm back on the twenty eighth. What we can do is on the last page of that advice document, you do actually have a multiliner or a text box there. So if you just hold off for the moment on signing and sending it back, wait for that quote to come through, have a look at the quote, and then maybe let me know if you just wanna go ahead with the steady like, the income protection with the two year benefit period. In that box on the very last page, you just make a little note to say that, you know, alteration to advice is you wish to go ahead with income protection policy, thirty days waiting, two year benefit.\n\nAs long as we have that on the last page, it allows us to alter the advice. It's just it's just an alteration that we can make sure we adhere to. And then when we go through the insurance side of things, we'll know that you're only gonna go with the quote that is thirty days waiting and two year benefit period, and then we'll just you know, it it kind of just an adjustment to the advice to make it easier on yourself. But it how we just understand that that's an alteration, and we'll just go ahead with that instead of what was recommended for you, if that makes sense. Yeah.\n\nYeah. Yes. Mhmm. It could be. Yeah.\n\nIt really depends on what it is. No. No. That's okay. Yeah.\n\nOf course. So, essentially, we go through an application form with you for the the changes that goes through to the underwriters. They'll obviously assess what you currently have on there. They'll have a look at what you do have disclosed already within the application. If there is anything that flags that they need to maybe seek more medical assistance on, they'll get you to sign an authority which allows them to request doctor's reports.\n\nThey do sometimes also request maybe a nurse makes contact with you to come out and do some medicals. They might have what's called a MBA 20, which is like a mini check or something. And they come out and they take your height and their weight, and they check your breathing, and they basically do, like, a have a appointment with you where they just do this medical assessment, and that just goes back to them. If there is anything that flags, there could be an exclusion. There could be loadings.\n\nIt really depends on what it is. Normally, they'll just if there's a preexisting condition, like a a knee or a back or something, they might just exclude that area. If it's, you know, to do with height and weight like BMI or it's to do with, you know, overall health, they can't can sometimes add a loading, which does make the policy more expensive. Sorry. Having a loading whilst the bill makes the policy more expensive means that you can claim for preexisting conditions, whereas an exclusion just excludes that preexisting condition completely.\n\nIt just comes down to how the assessment is. But before it ever goes in force, the the underwriters come back with their decision. They speak to us, and then we come back and we decide, hey. Look. We're not happy with this.\n\nWe'll fight it, and we'll tell you what's happening. Or if there's nothing that we haven't sort of seen I mean, from everything I can see, you're pretty healthy. I don't sort of expect much to come with that at the moment. But if there is anything that flags, we'll come back and have that conversation prior to putting it into force just so you're fully informed, and then you get the the to decide whether you're happy to proceed with that offer of cover or not, and we then we kinda go from there. Does that make sense?\n\nYeah. Yeah. So I just like to, you know, prep everyone, let you know there are, the underwriters do assess everything medically. Anything that changes on your health from when the original application was enforced doesn't affect anything that's already enforced. And that's probably the good thing about increasing or altering a new a current policy is that at the moment, you do have that no.\n\nThat's that's correct. So if they find that there is a back exclusion, so long as you didn't have that preexisting when you apply for the policy originally, that will only be put on the the increase of the policy. So anything new only affects the increased portion of the policy. It won't it won't affect the policy that was already held in place, and that's one benefit we have to retaining the cover and just increasing with the same provider for you. Yeah.\n\nYeah. All good. So I'll get that quote done. Did you have any questions about any other parts of the recommendations, the super, or anything else there at all? I'm happy to answer anything you've got.\n\nYeah. Yeah. Absolutely. Yeah. Definitely.\n\nI mean, realist yeah. I mean, realistically, starting that next review and maybe doing that over the course of the years might even bring your wife safer more in line with yours, which would be kind of really great. What we sort of hope to see at retirement, which doesn't often happen, is that you both have a fairly similar balance so you can kinda draw a pro rata out of those to cover, and it kind of sees it, you know, stay aligned and last a lot longer, whereas most people who retire at the moment have very different balances. You're drawing more out of one and less out of the other and, you know, trying to kinda keep them moving at the same sort of speed. But, yeah, look, because we don't I don't I don't really want you to kinda get to that $3,000,000 market.\n\nThat as much as it's good to have $3,000,000 in super, it does mean there's extra taxes, and it's not indexed at all. And it does also continue if you're also in that pension phase too. So it's about that longevity aspect. So Yeah. Absolutely.\n\nAnd, realistically, up until you reach that agent, that lovely age of 60 and retire or 65, we can only do a few limited strategies, but they are definitely worth having a look at now. And, yeah, looking, you know, if it's if your wife doesn't have as healthy a balance, if it's not really invested the way yours is, we could always look to, you know, do joint advice together, onboard her, look at, you know, how contributing to your super and then splitting your contributions works and what that projects over time to sort of show you guys where this could end up and how it could benefit benefit both of you. Down the track when you do kinda get into that retirement phase as well, there's other things that we can do because we'll be able to draw money out of super. We're limited to that until you get to that retirement sort of phase and meet that condition of release. But when you get to that point, if your balance is still increasing quite heavily, we can always look to draw some money out and move it into other places.\n\nThat way, it sort of shelters it from that additional tax as well. So there are definitely a lot of fun, cool strategies we can do. We're limited now, but there are still things that we can put in place to try and keep your balance, you know, not low, but, you know, look after it a bit. So yeah. Yeah.\n\nYes. Yeah. Absolutely. Yeah. Absolutely.\n\nYeah. And the income protection is the yeah. Absolutely. Definitely. That is the highest part of the the cost of your insurance.\n\nUnfortunately, income protection always costs the most out of all of them. So I'll start by getting that quote there for you. My team will email it through. I did email you this afternoon just kinda going through answering those questions for you as well and just kinda reiterating, you know, the risk factor and what we can do other strategy wise with the insurances. Did you get a chance to read through that or not yet?\n\nIf you haven't, it's okay. Yeah. Yeah. Absolutely. Yep.\n\nYeah. No. Absolutely. Not a problem. I've actually got a really good account we can refer you through to.\n\nI normally do, like, a a bit of a welcome email that introduces you to him and him to you. His name's Steve. He's fantastic. Are you comfortable if I do that introduction email? I'll probably do it first thing in the morning for you, which introduces you.\n\nAnd I provide him just some basic information for you and a bit of an idea of what you're after, and then he'll be in touch to book a time to meet you with an initial consultation and talk about what he can do and look at what you're after, and then he'll kinda go from there. Is that okay? Yep. Fantastic. I'll get that email done first thing in the morning for you.\n\nNot a problem at all. And, yeah, he's a great accountant. I think he's fantastic. He's a he's perfect. You wanna nerd in your accountant, then he is it.\n\nSteve is it. He is just so knowledgeable. Beautiful. Easy. Well, thank you so much.\n\nI'm glad you took some time to read the document. I'll try to I know you are very busy, so I can try to do as much as I can by email for you as well just to make it a lot easier. I've kind of sat down with our team and gone, hey. Look. Not everyone's available on the phone all the time, especially family and kids and work.\n\nSo we worked up a few ways to do a lot more via email if that helps you out well. Okay. I see. Yeah. Not a not a problem at all, Matthew.\n\nThank you so much for your time. I'll let you go to have a good night with the kids. I hope you have a restful evening and a good weekend ahead. No worries. Easy.\n\nI'll thank you so much. I'll get my team to focus on the email for you and make sure it comes out, And I'll also get that email done to the accountant's referral tomorrow for you as well. Okay? My pleasure. Have a lovely evening.\n\nThank you so much for taking my call. Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Matthew.","start":2.56,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.08797202631831169},{"text":"It's Zena from OQ Financial.","start":3.1999998,"end":4.66,"sentiment":"neutral","sentiment_score":0.12007853984832764},{"text":"How are you this afternoon?","start":4.7999997,"end":5.94,"sentiment":"neutral","sentiment_score":0.15765297114849092},{"text":"I'm very well.","start":7.68,"end":8.559999,"sentiment":"positive","sentiment_score":0.6396176020304362},{"text":"Thank you.","start":8.559999,"end":9.12,"sentiment":"positive","sentiment_score":0.7235091924667358}],"sentiment":"neutral","sentiment_score":0.2900278116850292,"num_words":17,"start":2.56,"end":9.12},{"sentences":[{"text":"I just had you booked in just to have a bit quick bit of a quick catch up, in relation to your advice document that I sent through earlier.","start":9.12,"end":14.639999,"sentiment":"neutral","sentiment_score":0.2636867812995253},{"text":"Is now still a good time there for you?","start":14.639999,"end":16.595,"sentiment":"neutral","sentiment_score":0.29098954962359536},{"text":"Yeah.","start":17.775,"end":18.275,"sentiment":"positive","sentiment_score":0.41776373982429504},{"text":"Fantastic.","start":18.415,"end":18.915,"sentiment":"positive","sentiment_score":0.6289213299751282},{"text":"Before I jump into the call, just to let you know we do record our calls for quality and training purposes.","start":19.375,"end":23.555,"sentiment":"neutral","sentiment_score":0.2378547979252679}],"sentiment":"neutral","sentiment_score":0.2673353841070269,"num_words":61,"start":9.12,"end":23.555},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":23.615,"end":25.875,"sentiment":"neutral","sentiment_score":0.25455839766396415},{"text":"Fantastic.","start":27.135,"end":27.615,"sentiment":"positive","sentiment_score":0.4294789731502533},{"text":"And just to do a quick security check there for you, just to confirm your full name, your date of birth, and address I should have on file as well.","start":27.615,"end":33.5,"sentiment":"neutral","sentiment_score":0.21046605656544368},{"text":"Yep.","start":35.96,"end":36.46,"sentiment":"neutral","sentiment_score":0.04699401557445526},{"text":"Lovely.","start":39.24,"end":39.74,"sentiment":"positive","sentiment_score":0.43878525495529175}],"sentiment":"neutral","sentiment_score":0.22667298856235685,"num_words":42,"start":23.615,"end":39.74},{"sentences":[{"text":"Thank you so much for that.","start":39.8,"end":41.445,"sentiment":"positive","sentiment_score":0.554591049750646},{"text":"I know you are really busy, so I figured sending that through to you and then having the presentation done by email essentially kind of outlines everything so you can read it in your own time.","start":41.685,"end":50.965,"sentiment":"neutral","sentiment_score":0.2652181126177311},{"text":"I figured that might be a lot easier for you there, and then we just have this catch up to sort of discuss what it is that's being recommended, what your thoughts are, see if you have any additional questions, and then you get to decide what you wanna do.","start":50.965,"end":62.56,"sentiment":"neutral","sentiment_score":0.21904711067676544},{"text":"How does that sound?","start":62.56,"end":63.7,"sentiment":"neutral","sentiment_score":0.1529245376586914},{"text":"Oh, that's okay.","start":67.36,"end":68.5,"sentiment":"neutral","sentiment_score":0.09214927007754643}],"sentiment":"neutral","sentiment_score":0.24965555401462497,"num_words":99,"start":39.8,"end":68.5},{"sentences":[{"text":"Yeah.","start":79.935,"end":80.174995,"sentiment":"neutral","sentiment_score":0.011873058043420317},{"text":"No.","start":80.174995,"end":80.41499,"sentiment":"neutral","sentiment_score":-0.022117309272289276},{"text":"That's okay.","start":80.41499,"end":80.895,"sentiment":"neutral","sentiment_score":0.0006029354408383369},{"text":"I saw that, and I thought, look.","start":80.895,"end":82.869995,"sentiment":"neutral","sentiment_score":-0.02289982352937971},{"text":"Maybe you're a workaholic, Mike.","start":82.869995,"end":84.549995,"sentiment":"neutral","sentiment_score":-0.1020190730690956}],"sentiment":"neutral","sentiment_score":-0.04246453189989552,"num_words":16,"start":79.935,"end":84.549995},{"sentences":[{"text":"Me.","start":84.549995,"end":84.78999,"sentiment":"neutral","sentiment_score":-0.01998807117342949},{"text":"I don't judge there.","start":84.78999,"end":85.75,"sentiment":"neutral","sentiment_score":-0.04243127768859267},{"text":"Don't worry in any way, shape, or form.","start":85.75,"end":87.75,"sentiment":"neutral","sentiment_score":0.014737520890776068},{"text":"But, no.","start":87.75,"end":88.229996,"sentiment":"neutral","sentiment_score":0.045286388136446476},{"text":"Honestly, it's not a problem at all.","start":88.229996,"end":89.75,"sentiment":"neutral","sentiment_score":0.25317048174994333}],"sentiment":"neutral","sentiment_score":0.08140696062367749,"num_words":22,"start":84.549995,"end":89.75},{"sentences":[{"text":"But thank you so much for going through and having a look at that.","start":89.75,"end":92.229996,"sentiment":"positive","sentiment_score":0.5327374594552177},{"text":"I do appreciate it.","start":92.229996,"end":93.525,"sentiment":"positive","sentiment_score":0.43015949986875057},{"text":"I know one of the things that you sort of brought up for me was, obviously, the concern around around the expenses with regard to the the out of pocket portion.","start":94.085,"end":102.185,"sentiment":"neutral","sentiment_score":-0.11891645529577809},{"text":"Yeah.","start":106.965004,"end":107.465004,"sentiment":"neutral","sentiment_score":0.03611549735069275},{"text":"Yeah.","start":118.09,"end":118.59,"sentiment":"neutral","sentiment_score":0.09209607541561128}],"sentiment":"neutral","sentiment_score":0.11021105667539671,"num_words":51,"start":89.75,"end":118.59},{"sentences":[{"text":"Yeah.","start":118.89,"end":119.39,"sentiment":"neutral","sentiment_score":0.009152619168162346},{"text":"Yeah.","start":128.575,"end":129.075,"sentiment":"neutral","sentiment_score":-0.021573713049292564},{"text":"Yeah.","start":140.59001,"end":141.07,"sentiment":"neutral","sentiment_score":-0.02895389683544636},{"text":"Absolutely.","start":141.07,"end":141.57,"sentiment":"neutral","sentiment_score":-0.03146910294890404},{"text":"Yeah.","start":152.445,"end":152.945,"sentiment":"neutral","sentiment_score":-0.06756056845188141}],"sentiment":"neutral","sentiment_score":-0.028080932423472406,"num_words":5,"start":118.89,"end":152.945},{"sentences":[{"text":"Yeah.","start":163.02,"end":163.34001,"sentiment":"neutral","sentiment_score":-0.015912078320980072},{"text":"Your heads up.","start":163.34001,"end":164.06,"sentiment":"neutral","sentiment_score":-0.020483203853170078},{"text":"Yeah.","start":164.06,"end":164.38,"sentiment":"neutral","sentiment_score":-0.031095722690224648},{"text":"Abs absolutely.","start":164.38,"end":166.16,"sentiment":"neutral","sentiment_score":-0.017421260476112366},{"text":"No.","start":166.3,"end":166.54001,"sentiment":"neutral","sentiment_score":-0.038488343358039856}],"sentiment":"neutral","sentiment_score":-0.022723534610122442,"num_words":8,"start":163.02,"end":166.54001},{"sentences":[{"text":"Completely understand.","start":166.54001,"end":167.52,"sentiment":"neutral","sentiment_score":-0.0012734904885292053},{"text":"So the main thing that we sort of look at and all the different insurances, while they can overlap, do have specific triggers.","start":167.58,"end":173.965,"sentiment":"neutral","sentiment_score":-0.09457432154728018},{"text":"So, like, normally, if you were to say have a car accident or motorcycle accident or you broke your back and couldn't go to work, that doesn't necessarily constitute a trauma a trauma diagnosis.","start":174.58499,"end":186.365,"sentiment":"neutral","sentiment_score":-0.15111435467706008},{"text":"So trauma wouldn't be claimable in that instance, and it's not quite for TPD.","start":186.85,"end":191.43001,"sentiment":"neutral","sentiment_score":-0.258047381149871},{"text":"You'd still be going through, you know, seeking treatment and things like that, so it wouldn't really qualify for TPD upfront.","start":191.49,"end":197.17,"sentiment":"neutral","sentiment_score":-0.26332445726508186}],"sentiment":"neutral","sentiment_score":-0.1750863975983985,"num_words":94,"start":166.54001,"end":197.17},{"sentences":[{"text":"So that's when you would qualify for income protection.","start":197.17,"end":199.67,"sentiment":"neutral","sentiment_score":-0.1315148745973905},{"text":"So if you offer off work and at the moment with that hundred and four week waiting period, you would have to sort of wait that long and cover your expenses in the short term before you're able to submit the claim.","start":199.81,"end":210.875,"sentiment":"neutral","sentiment_score":-0.14517544644574323},{"text":"So it is quite a longer waiting period there.","start":211.415,"end":214.075,"sentiment":"neutral","sentiment_score":-0.3133828904893663},{"text":"If you were still off work after, say, you know, six or twelve months and your doctor said, hey.","start":214.62,"end":219.74,"sentiment":"neutral","sentiment_score":-0.310181158937906},{"text":"Look.","start":219.74,"end":219.98,"sentiment":"neutral","sentiment_score":-0.32694512605667114}],"sentiment":"neutral","sentiment_score":-0.2040229472797364,"num_words":80,"start":197.17,"end":219.98},{"sentences":[{"text":"You're never going back to work again.","start":219.98,"end":221.74,"sentiment":"negative","sentiment_score":-0.5035581886768341},{"text":"We can't keep, you know, trying to find a way to get you back, then they would agree to TPD.","start":221.74,"end":226.95999,"sentiment":"negative","sentiment_score":-0.35769716948270797},{"text":"And in that instance, you could claim that total permanent disability.","start":227.02,"end":230.045,"sentiment":"neutral","sentiment_score":-0.07041053981943564},{"text":"Because you've got the out of pocket policy as well as inside super, they would assess the any occupation inside super first.","start":230.585,"end":237.005,"sentiment":"neutral","sentiment_score":-0.09024316190995953},{"text":"If you didn't meet that definition, then they assess the out of pocket policy at that point.","start":237.145,"end":242.04,"sentiment":"neutral","sentiment_score":-0.20946362965247212}],"sentiment":"neutral","sentiment_score":-0.2207739988898302,"num_words":77,"start":219.98,"end":242.04},{"sentences":[{"text":"But, realistically, you know, depending on what it is and what you do for work, if it was really serious, you know, you broke your back and could never go back to work again, then you would probably make that any definition.","start":242.43999,"end":252.45999,"sentiment":"negative","sentiment_score":-0.36468667696629253},{"text":"So but, yeah, it's more just about what triggers first.","start":252.68,"end":255.71999,"sentiment":"neutral","sentiment_score":-0.10818082317709923},{"text":"Normally, income protection is what is triggered first because you're still going through treatment, and income protection covers a portion of your income to help, you know, alleviate some expenditure and cover your bills in the short term whilst you're seeking treatment, trying to get back to work.","start":255.71999,"end":272.19,"sentiment":"neutral","sentiment_score":-0.04939809247540931},{"text":"And then if you then can't go back to work, then it triggers TBD after that point.","start":272.19,"end":276.35,"sentiment":"neutral","sentiment_score":-0.11257708006921936},{"text":"Does that make sense?","start":276.35,"end":277.41,"sentiment":"neutral","sentiment_score":-0.009967957623302937}],"sentiment":"neutral","sentiment_score":-0.17126809334582535,"num_words":121,"start":242.43999,"end":277.41},{"sentences":[{"text":"Yeah.","start":279.31,"end":279.81,"sentiment":"neutral","sentiment_score":-0.03465835750102997},{"text":"Mhmm.","start":281.87,"end":282.37,"sentiment":"neutral","sentiment_score":-0.14247652888298035},{"text":"Yeah.","start":285.615,"end":286.115,"sentiment":"neutral","sentiment_score":-0.08757602423429489},{"text":"Yeah.","start":295.855,"end":296.355,"sentiment":"neutral","sentiment_score":-0.11246858537197112},{"text":"Yeah.","start":308.44,"end":308.94,"sentiment":"neutral","sentiment_score":-0.19288551807403564}],"sentiment":"neutral","sentiment_score":-0.11401300281286239,"num_words":5,"start":279.31,"end":308.94},{"sentences":[{"text":"Yeah.","start":309.4,"end":309.9,"sentiment":"neutral","sentiment_score":-0.1720714271068573},{"text":"Yeah.","start":314.935,"end":315.435,"sentiment":"neutral","sentiment_score":-0.1905701756477356},{"text":"Absolutely.","start":316.775,"end":317.255,"sentiment":"neutral","sentiment_score":-0.1050536036491394},{"text":"The other side of it is with those hardship provisions, to access hardship through your super, you have to be on Centrelink for twenty six weeks because they require what's called a q two thirty letter.","start":317.255,"end":326.89,"sentiment":"neutral","sentiment_score":-0.12100872262898418},{"text":"So you'd have to be off work and on Centrelink receiving that for six months prior to you actually being able to claim.","start":327.11002,"end":333.21002,"sentiment":"neutral","sentiment_score":-0.17819758731385935}],"sentiment":"neutral","sentiment_score":-0.143912156923644,"num_words":62,"start":309.4,"end":333.21002},{"sentences":[{"text":"And that is that's quite a a condition to meet.","start":333.75,"end":336.965,"sentiment":"negative","sentiment_score":-0.3358395278453827},{"text":"That would be requiring you to not be able to work for six months and still having to be able to receive some sort of settling benefits, which are pretty minimal at this point in time.","start":336.965,"end":346.56497,"sentiment":"negative","sentiment_score":-0.38903217514355976},{"text":"So that that is definitely increasing the risk level there for you.","start":346.56497,"end":350.485,"sentiment":"negative","sentiment_score":-0.5772577176491419},{"text":"So I mean, with with the way that I've tried to sort of structure the income protection to alleviate that a little bit is to kind of whilst we're reducing the waiting period to thirty days, also reduce that benefit period back from age 65 to five years.","start":350.485,"end":363.79,"sentiment":"neutral","sentiment_score":-0.15278428280726075},{"text":"Because, realistically, if you think about, you know, what could go wrong Exactly.","start":363.79,"end":370.435,"sentiment":"neutral","sentiment_score":-0.18632926161472613}],"sentiment":"neutral","sentiment_score":-0.2861056484970726,"num_words":119,"start":333.75,"end":370.435},{"sentences":[{"text":"Yeah.","start":370.495,"end":370.895,"sentiment":"neutral","sentiment_score":0.011172853410243988},{"text":"Definitely.","start":370.895,"end":371.395,"sentiment":"neutral","sentiment_score":0.03410309925675392},{"text":"No.","start":374.975,"end":375.475,"sentiment":"neutral","sentiment_score":-0.23161551356315613},{"text":"Yeah.","start":381.04,"end":381.36002,"sentiment":"neutral","sentiment_score":0.008626369759440422},{"text":"I can organize that.","start":381.36002,"end":382.74,"sentiment":"neutral","sentiment_score":0.0173450973816216}],"sentiment":"neutral","sentiment_score":-0.013541600201278925,"num_words":8,"start":370.495,"end":382.74},{"sentences":[{"text":"Yep.","start":382.80002,"end":383.30002,"sentiment":"neutral","sentiment_score":0.023807134479284286},{"text":"Yes.","start":389.28,"end":389.78,"sentiment":"neutral","sentiment_score":-0.00436672568321228},{"text":"Mhmm.","start":397.85498,"end":398.35498,"sentiment":"neutral","sentiment_score":-0.09228266775608064},{"text":"No.","start":403.775,"end":404.275,"sentiment":"neutral","sentiment_score":-0.1467490941286087},{"text":"No.","start":404.57498,"end":405.07498,"sentiment":"neutral","sentiment_score":-0.2401038110256195}],"sentiment":"neutral","sentiment_score":-0.09193903282284736,"num_words":5,"start":382.80002,"end":405.07498},{"sentences":[{"text":"Definitely not.","start":405.56,"end":406.44,"sentiment":"neutral","sentiment_score":-0.23344391584396362},{"text":"That they will just keep increasing.","start":406.44,"end":407.96,"sentiment":"neutral","sentiment_score":-0.2670932511488597},{"text":"And one of the things we sort of want to look at with insurances is we tend to need to have a higher level of cover now.","start":407.96,"end":413.81998,"sentiment":"neutral","sentiment_score":-0.18695639073848724},{"text":"We pay down our mortgage as much as possible, get our super balance up even higher, and then we can start to decrease the cover.","start":414.44,"end":421.05502,"sentiment":"neutral","sentiment_score":-0.14516301870346068},{"text":"So, realistically, we should be able to decrease the cover over time.","start":421.05502,"end":424.755,"sentiment":"neutral","sentiment_score":-0.10368973885973294}],"sentiment":"neutral","sentiment_score":-0.16653641975588268,"num_words":72,"start":405.56,"end":424.755},{"sentences":[{"text":"I'm absolutely happy to get that quote for you.","start":425.535,"end":428.255,"sentiment":"positive","sentiment_score":0.8252565397156609},{"text":"I just need to let you know I'm away next week.","start":428.255,"end":430.62,"sentiment":"neutral","sentiment_score":0.14582317491823976},{"text":"So I will get my team to organize the quote, and I will get one of them to email that through to you to have a look at.","start":430.62,"end":436.38,"sentiment":"neutral","sentiment_score":0.19657653543565953},{"text":"It takes about five to seven days to come through from Chow.","start":436.38,"end":439.18,"sentiment":"neutral","sentiment_score":0.04144018112371365},{"text":"That's why, unfortunately, I couldn't have didn't quite get the quote done last time.","start":439.18,"end":442.69998,"sentiment":"neutral","sentiment_score":-0.22055993442024505}],"sentiment":"neutral","sentiment_score":0.16141824142352953,"num_words":74,"start":425.535,"end":442.69998},{"sentences":[{"text":"I do apologize about that.","start":442.69998,"end":444.375,"sentiment":"neutral","sentiment_score":-0.3001047849655151},{"text":"But is that okay with you if we get the I'll organize that tomorrow from my team, and I'll get one of them to email through to you when they receive it next week.","start":444.695,"end":452.695,"sentiment":"neutral","sentiment_score":0.1989008181673639},{"text":"Is that okay?","start":452.695,"end":453.515,"sentiment":"neutral","sentiment_score":0.16810828944047293},{"text":"Yes.","start":455.335,"end":455.835,"sentiment":"neutral","sentiment_score":0.04692700505256653},{"text":"It still it still affects you.","start":470.07,"end":471.875,"sentiment":"neutral","sentiment_score":-0.3193965007861455}],"sentiment":"neutral","sentiment_score":0.07953013799020223,"num_words":49,"start":442.69998,"end":471.875},{"sentences":[{"text":"Yeah.","start":474.095,"end":474.595,"sentiment":"neutral","sentiment_score":-0.1092974692583084},{"text":"Absolutely.","start":474.655,"end":475.155,"sentiment":"neutral","sentiment_score":0.031848348677158356},{"text":"Completely understand.","start":475.455,"end":476.655,"sentiment":"neutral","sentiment_score":0.08040235936641693},{"text":"And you've got kids and normal expenses and school and all the things going on.","start":476.655,"end":481.055,"sentiment":"neutral","sentiment_score":-0.036382556830843286},{"text":"So Yeah.","start":481.055,"end":491.6,"sentiment":"neutral","sentiment_score":0.013691168278455734}],"sentiment":"neutral","sentiment_score":-0.02071430560733591,"num_words":21,"start":474.095,"end":491.6},{"sentences":[{"text":"Yep.","start":491.6,"end":492.1,"sentiment":"neutral","sentiment_score":0.043923258781433105},{"text":"Yes.","start":498.56,"end":499.06,"sentiment":"neutral","sentiment_score":0.06490255892276764},{"text":"Yeah.","start":501.035,"end":501.535,"sentiment":"neutral","sentiment_score":0.016007548198103905},{"text":"Yep.","start":501.67502,"end":502.17502,"sentiment":"neutral","sentiment_score":0.0072640045545995235},{"text":"It was.","start":502.23502,"end":506.475,"sentiment":"neutral","sentiment_score":-0.03372569289058447}],"sentiment":"neutral","sentiment_score":0.010774330779289206,"num_words":6,"start":491.6,"end":506.475},{"sentences":[{"text":"Yeah.","start":506.475,"end":506.975,"sentiment":"neutral","sentiment_score":0.0395018607378006},{"text":"Absolutely.","start":507.035,"end":507.535,"sentiment":"neutral","sentiment_score":0.07148401439189911},{"text":"No.","start":508.795,"end":509.035,"sentiment":"neutral","sentiment_score":-0.05692872405052185},{"text":"That's okay.","start":509.035,"end":509.775,"sentiment":"neutral","sentiment_score":-0.013997100293636322},{"text":"Yeah.","start":514.475,"end":514.8,"sentiment":"neutral","sentiment_score":-0.02215147390961647}],"sentiment":"neutral","sentiment_score":0.0006519127637147903,"num_words":6,"start":506.475,"end":514.8},{"sentences":[{"text":"Correct.","start":521.76,"end":522.26,"sentiment":"neutral","sentiment_score":0.08160586655139923},{"text":"Yep.","start":522.88,"end":523.38,"sentiment":"neutral","sentiment_score":0.05376560986042023},{"text":"Yep.","start":532.735,"end":533.235,"sentiment":"neutral","sentiment_score":0.002095834817737341},{"text":"Mhmm.","start":535.375,"end":535.875,"sentiment":"neutral","sentiment_score":-0.04244346171617508},{"text":"Mhmm.","start":541.135,"end":541.635,"sentiment":"neutral","sentiment_score":-0.010821791365742683}],"sentiment":"neutral","sentiment_score":0.016840411629527808,"num_words":5,"start":521.76,"end":541.635},{"sentences":[{"text":"Yeah.","start":547.52,"end":548.02,"sentiment":"neutral","sentiment_score":0.008039353415369987},{"text":"Mhmm.","start":550.16,"end":550.66,"sentiment":"neutral","sentiment_score":0.025053884834051132},{"text":"No.","start":559.055,"end":559.215,"sentiment":"neutral","sentiment_score":-0.134253591299057},{"text":"You're right.","start":559.215,"end":560.115,"sentiment":"neutral","sentiment_score":-0.08176020346581936},{"text":"Yep.","start":600.31,"end":600.47,"sentiment":"neutral","sentiment_score":0.015347622334957125}],"sentiment":"neutral","sentiment_score":-0.041555522941052914,"num_words":6,"start":547.52,"end":600.47},{"sentences":[{"text":"Yeah.","start":600.47,"end":600.97,"sentiment":"neutral","sentiment_score":-0.01474781334400177},{"text":"Yeah.","start":617.9,"end":618.4,"sentiment":"neutral","sentiment_score":0.01898607239127159},{"text":"Yeah.","start":618.54004,"end":619.04004,"sentiment":"neutral","sentiment_score":0.029023414477705956},{"text":"Yeah.","start":624.62,"end":625.12,"sentiment":"neutral","sentiment_score":0.03810488805174827},{"text":"Mhmm.","start":627.66003,"end":628.16003,"sentiment":"neutral","sentiment_score":0.0010594800114631653}],"sentiment":"neutral","sentiment_score":0.014485208317637444,"num_words":5,"start":600.47,"end":628.16003},{"sentences":[{"text":"Yeah.","start":655.01,"end":655.41003,"sentiment":"neutral","sentiment_score":0.05418660119175911},{"text":"Abs absolutely.","start":655.41003,"end":656.71,"sentiment":"neutral","sentiment_score":-0.02042743843048811},{"text":"Yeah.","start":657.49,"end":657.99,"sentiment":"neutral","sentiment_score":-0.05812855064868927},{"text":"They have, unfortunately.","start":660.355,"end":661.415,"sentiment":"neutral","sentiment_score":-0.11928798258304596},{"text":"Yeah.","start":661.63495,"end":662.115,"sentiment":"neutral","sentiment_score":-0.08942049741744995}],"sentiment":"neutral","sentiment_score":-0.061510158935561776,"num_words":8,"start":655.01,"end":662.115},{"sentences":[{"text":"50 nine six is in.","start":662.115,"end":663.815,"sentiment":"neutral","sentiment_score":-0.10259848535060882},{"text":"Yep.","start":664.435,"end":664.75494,"sentiment":"neutral","sentiment_score":0.1207358092069626},{"text":"All the taxes are happening.","start":664.75494,"end":666.27496,"sentiment":"neutral","sentiment_score":0.12574873864650726},{"text":"It's the thing.","start":666.27496,"end":667.175,"sentiment":"neutral","sentiment_score":0.08190274735291798},{"text":"Yeah.","start":669.795,"end":670.295,"sentiment":"neutral","sentiment_score":0.053070928901433945}],"sentiment":"neutral","sentiment_score":0.03568441644310951,"num_words":15,"start":662.115,"end":670.295},{"sentences":[{"text":"No.","start":670.58997,"end":670.82996,"sentiment":"neutral","sentiment_score":-0.029010014608502388},{"text":"Look.","start":670.82996,"end":671.14996,"sentiment":"neutral","sentiment_score":0.0027679577469825745},{"text":"Honestly, it's a really valid question.","start":671.14996,"end":672.99,"sentiment":"neutral","sentiment_score":0.06791399419307709},{"text":"And, essentially, you can't sort of stop contributions going into your account.","start":672.99,"end":676.99,"sentiment":"neutral","sentiment_score":0.01812908410405119},{"text":"Those employer contributions have to go into your super.","start":676.99,"end":679.97,"sentiment":"neutral","sentiment_score":0.04065800354712539}],"sentiment":"neutral","sentiment_score":0.03326596377481674,"num_words":29,"start":670.58997,"end":679.97},{"sentences":[{"text":"That is mandated.","start":680.19,"end":681.25,"sentiment":"neutral","sentiment_score":0.09325289974610011},{"text":"With the projected outcome over the next ten years, we're okay.","start":682.02997,"end":685.145,"sentiment":"neutral","sentiment_score":0.29853188449686224},{"text":"We're sitting at 1.6 currently with the projected outcome, and that is in that's if your super can get 11.11 every year.","start":685.145,"end":692.925,"sentiment":"neutral","sentiment_score":0.30101835389028897},{"text":"Realistically, you could be on track for that even if your super doesn't quite get it because you have a higher balance now, and more money makes more money.","start":693.225,"end":700.23,"sentiment":"neutral","sentiment_score":0.26650833415574043},{"text":"But what we can definitely look at doing is we can do things like spousal splitting.","start":700.23,"end":705.29,"sentiment":"neutral","sentiment_score":0.14731090562418103}],"sentiment":"neutral","sentiment_score":0.2502682641332532,"num_words":81,"start":680.19,"end":705.29},{"sentences":[{"text":"Essentially, that means that you're still contributing to your super, but at the end of each financial year, correct, we can transfer up to 85% of that year's contributions into your partner's into your wife's super, and that boosts up her super as well.","start":706.07,"end":721.865,"sentiment":"neutral","sentiment_score":0.32414656843651424},{"text":"We can definitely look at doing that every year, and I'm absolutely happy.","start":721.925,"end":725.365,"sentiment":"positive","sentiment_score":0.7836014811809247},{"text":"Maybe the next annual review, we have a look at that.","start":725.365,"end":727.74,"sentiment":"neutral","sentiment_score":0.2929768806154078},{"text":"I would also wanna have a look at her super if that's something she'd be open to maybe looking at doing it together as a joint piece.","start":727.89996,"end":734.06,"sentiment":"neutral","sentiment_score":0.2919012462651288},{"text":"And it I don't have to onboard her to do it, but it is honestly easy if we can look at her super and make sure it is working to its best of its ability as well.","start":734.06,"end":742.065,"sentiment":"neutral","sentiment_score":0.04355203289840672}],"sentiment":"neutral","sentiment_score":0.28155130924036104,"num_words":132,"start":706.07,"end":742.065},{"sentences":[{"text":"Otherwise, I'm just recommending to put money in.","start":742.305,"end":745.045,"sentiment":"neutral","sentiment_score":-0.20051505975425243},{"text":"Yeah.","start":746.945,"end":747.445,"sentiment":"neutral","sentiment_score":-0.05575895309448242},{"text":"Yep.","start":751.745,"end":752.245,"sentiment":"neutral","sentiment_score":-0.0013878054451197386},{"text":"Yeah.","start":754.385,"end":754.865,"sentiment":"neutral","sentiment_score":0.002735858783125878},{"text":"Yeah.","start":754.865,"end":755.365,"sentiment":"neutral","sentiment_score":0.0014349659904837608}],"sentiment":"neutral","sentiment_score":-0.138091367650001,"num_words":12,"start":742.305,"end":755.365},{"sentences":[{"text":"Oh, that'll be ART.","start":755.67,"end":756.81,"sentiment":"neutral","sentiment_score":0.008789912331849337},{"text":"That'll be Australian Retirement Trust now.","start":756.87,"end":758.89,"sentiment":"neutral","sentiment_score":0.038995777567227684},{"text":"Yeah.","start":759.02997,"end":759.52997,"sentiment":"neutral","sentiment_score":0.008354969322681427},{"text":"Yeah.","start":760.79,"end":761.27,"sentiment":"neutral","sentiment_score":0.04698227345943451},{"text":"You're right.","start":761.27,"end":762.01,"sentiment":"neutral","sentiment_score":0.21998559683561325}],"sentiment":"neutral","sentiment_score":0.05460305365600756,"num_words":14,"start":755.67,"end":762.01},{"sentences":[{"text":"Yep.","start":762.31,"end":762.81,"sentiment":"neutral","sentiment_score":0.1122749000787735},{"text":"Yep.","start":770.55,"end":770.865,"sentiment":"neutral","sentiment_score":-0.07205896824598312},{"text":"Yeah.","start":775.58496,"end":776.08496,"sentiment":"neutral","sentiment_score":-0.03569053113460541},{"text":"Yeah.","start":788.24,"end":788.74,"sentiment":"neutral","sentiment_score":0.1140676885843277},{"text":"Yep.","start":788.8,"end":789.3,"sentiment":"neutral","sentiment_score":0.24569886922836304}],"sentiment":"neutral","sentiment_score":0.07285839170217515,"num_words":5,"start":762.31,"end":789.3},{"sentences":[{"text":"Yes.","start":797.76,"end":798.165,"sentiment":"neutral","sentiment_score":0.162860706448555},{"text":"Yep.","start":807.76495,"end":808.26495,"sentiment":"neutral","sentiment_score":0.06207376718521118},{"text":"Yep.","start":810.565,"end":811.065,"sentiment":"neutral","sentiment_score":-0.0546673946082592},{"text":"No.","start":823.13,"end":823.63,"sentiment":"neutral","sentiment_score":-0.2886807918548584},{"text":"Yeah.","start":830.945,"end":831.445,"sentiment":"neutral","sentiment_score":-0.04928027093410492}],"sentiment":"neutral","sentiment_score":-0.033538796752691266,"num_words":5,"start":797.76,"end":831.445},{"sentences":[{"text":"With with the the debt, is that just like a an ACO tax debt, or are you now liable for, like, DIV two nine three?","start":832.145,"end":839.265,"sentiment":"neutral","sentiment_score":-0.10712753474712372},{"text":"What does the account say about it?","start":839.265,"end":841.02,"sentiment":"neutral","sentiment_score":-0.07503246409552437},{"text":"Alright.","start":844.86005,"end":845.36005,"sentiment":"neutral","sentiment_score":-0.02271280810236931},{"text":"Right.","start":845.66003,"end":846.16003,"sentiment":"neutral","sentiment_score":-0.01324385404586792},{"text":"Yep.","start":847.82,"end":848.32,"sentiment":"neutral","sentiment_score":-0.06829142570495605}],"sentiment":"neutral","sentiment_score":-0.09450467729142734,"num_words":35,"start":832.145,"end":848.32},{"sentences":[{"text":"Yep.","start":851.02,"end":851.52,"sentiment":"neutral","sentiment_score":-0.13005337119102478},{"text":"Okay.","start":865.74,"end":866.24,"sentiment":"neutral","sentiment_score":-0.04835006967186928},{"text":"What's the total income?","start":866.3,"end":867.82,"sentiment":"neutral","sentiment_score":-0.05954940430819988},{"text":"How much does it look like it's gonna be?","start":867.82,"end":869.84,"sentiment":"neutral","sentiment_score":-0.03990569959084193},{"text":"Okay.","start":882.365,"end":882.685,"sentiment":"neutral","sentiment_score":0.04006120190024376}],"sentiment":"neutral","sentiment_score":-0.0459806970320642,"num_words":16,"start":851.02,"end":882.685},{"sentences":[{"text":"Yeah.","start":882.685,"end":883.005,"sentiment":"neutral","sentiment_score":0.03911765292286873},{"text":"Because if it's if it's triggering dev two two nine two two nine three tax, which is the tax that you pay, it's the extra 15% on super contributions and the additional tax that you pay for earning over 250,000.","start":883.005,"end":896.67,"sentiment":"neutral","sentiment_score":0.014342808292713016},{"text":"Speak to an accountant because it is if it's triggering div two nine three tax, you can elect to have that tax paid out of your super.","start":897.52997,"end":904.665,"sentiment":"neutral","sentiment_score":0.0288208343985456},{"text":"Yeah.","start":907.065,"end":907.565,"sentiment":"neutral","sentiment_score":0.13070538640022278},{"text":"So that might alleviate a little bit of pressure, but make sure you go and speak to your accountant first, get them to run the numbers, and confirm if it's just, you know, you haven't paid enough tax, and there's just a normal ATO tax bill.","start":907.625,"end":919.725,"sentiment":"neutral","sentiment_score":0.11333699423171904}],"sentiment":"neutral","sentiment_score":0.05856695334305582,"num_words":115,"start":882.685,"end":919.725},{"sentences":[{"text":"Like, self employed people tend to get a tax bill instead of paying tax on a regular basis.","start":920.36,"end":924.62,"sentiment":"neutral","sentiment_score":0.028562139409283798},{"text":"But if it is related to DIV two nine three and it's because you've earned over 250,000 for the year, bring that up with the accountant because, essentially, you can elect for DIV two nine three.","start":925.0,"end":935.88495,"sentiment":"neutral","sentiment_score":0.09249842932654752},{"text":"You can elect to have it paid out of your super fund.","start":935.88495,"end":938.305,"sentiment":"neutral","sentiment_score":0.1295616738498211},{"text":"And as much as it's not always fun to take extra money out of super, it might just alleviate that little bit of pressure for you if you're able to do it that way and if it is DIV293.","start":938.44495,"end":947.00494,"sentiment":"neutral","sentiment_score":0.06982647350583321},{"text":"So that might be one thing to chat to an account in about to give you, hopefully, some good news.","start":947.00494,"end":951.98004,"sentiment":"neutral","sentiment_score":0.2739893848076463}],"sentiment":"neutral","sentiment_score":0.10881457771360874,"num_words":125,"start":920.36,"end":951.98004},{"sentences":[{"text":"Yes.","start":957.4,"end":957.9,"sentiment":"neutral","sentiment_score":0.24372273683547976},{"text":"Yeah.","start":958.12,"end":958.44,"sentiment":"neutral","sentiment_score":0.2429903745651245},{"text":"Definitely.","start":958.44,"end":958.94,"sentiment":"neutral","sentiment_score":0.2964716851711273},{"text":"Absolutely.","start":960.995,"end":961.495,"sentiment":"neutral","sentiment_score":-0.010530631989240646},{"text":"Yes.","start":971.315,"end":971.815,"sentiment":"neutral","sentiment_score":-0.07166823744773865}],"sentiment":"neutral","sentiment_score":0.14019718542695045,"num_words":5,"start":957.4,"end":971.815},{"sentences":[{"text":"Yeah.","start":973.475,"end":973.975,"sentiment":"neutral","sentiment_score":-0.05065932497382164},{"text":"Yeah.","start":975.89996,"end":976.39996,"sentiment":"neutral","sentiment_score":-0.024957720190286636},{"text":"Yeah.","start":978.22,"end":978.72,"sentiment":"neutral","sentiment_score":-0.2671315371990204},{"text":"Yeah.","start":982.77997,"end":982.93994,"sentiment":"neutral","sentiment_score":-0.04772919416427612},{"text":"No.","start":982.93994,"end":983.43994,"sentiment":"negative","sentiment_score":-0.3782693147659302}],"sentiment":"neutral","sentiment_score":-0.153749418258667,"num_words":5,"start":973.475,"end":983.43994},{"sentences":[{"text":"No.","start":983.74,"end":984.22,"sentiment":"negative","sentiment_score":-0.4033634066581726},{"text":"No.","start":984.22,"end":984.72,"sentiment":"negative","sentiment_score":-0.3940412402153015},{"text":"No.","start":985.33997,"end":985.83997,"sentiment":"neutral","sentiment_score":-0.2025945782661438},{"text":"I understand that.","start":986.22,"end":987.18,"sentiment":"neutral","sentiment_score":-0.1558628628651301},{"text":"We do that a a lot of that, unfortunately.","start":987.18,"end":988.95996,"sentiment":"neutral","sentiment_score":-0.22610577940940857}],"sentiment":"neutral","sentiment_score":-0.23350265522797903,"num_words":15,"start":983.74,"end":988.95996},{"sentences":[{"text":"No.","start":989.435,"end":989.595,"sentiment":"neutral","sentiment_score":-0.12090185284614564},{"text":"But, look, I completely understand.","start":989.595,"end":991.035,"sentiment":"neutral","sentiment_score":0.11366100162267685},{"text":"And what what I would probably say first is we I I'll get those quotes organized for you.","start":991.035,"end":995.195,"sentiment":"neutral","sentiment_score":0.24098561041884953},{"text":"I'll organize my team to request them tomorrow.","start":995.195,"end":997.45496,"sentiment":"positive","sentiment_score":0.3529812730848789},{"text":"I'll get my admin team member, Caden, to email those through to you when he receives them next week.","start":998.07495,"end":1003.77496,"sentiment":"neutral","sentiment_score":0.2413087769558555}],"sentiment":"neutral","sentiment_score":0.2390953154832709,"num_words":51,"start":989.435,"end":1003.77496},{"sentences":[{"text":"And then I'm technically on holidays for two weeks.","start":1004.33997,"end":1006.42,"sentiment":"neutral","sentiment_score":-0.07218284449643558},{"text":"So I'm back on the twenty eighth.","start":1006.42,"end":1008.04,"sentiment":"neutral","sentiment_score":-0.005578920910401004},{"text":"What we can do is on the last page of that advice document, you do actually have a multiliner or a text box there.","start":1008.18,"end":1014.83997,"sentiment":"neutral","sentiment_score":0.17030230599145094},{"text":"So if you just hold off for the moment on signing and sending it back, wait for that quote to come through, have a look at the quote, and then maybe let me know if you just wanna go ahead with the steady like, the income protection with the two year benefit period.","start":1015.06,"end":1028.385,"sentiment":"neutral","sentiment_score":0.18152806893834528},{"text":"In that box on the very last page, you just make a little note to say that, you know, alteration to advice is you wish to go ahead with income protection policy, thirty days waiting, two year benefit.","start":1028.765,"end":1039.6,"sentiment":"neutral","sentiment_score":0.07863367603797662}],"sentiment":"neutral","sentiment_score":0.1221956079399199,"num_words":131,"start":1004.33997,"end":1039.6},{"sentences":[{"text":"As long as we have that on the last page, it allows us to alter the advice.","start":1039.82,"end":1044.48,"sentiment":"neutral","sentiment_score":0.1573957489693866},{"text":"It's just it's just an alteration that we can make sure we adhere to.","start":1044.54,"end":1048.9149,"sentiment":"neutral","sentiment_score":0.165785585130964},{"text":"And then when we go through the insurance side of things, we'll know that you're only gonna go with the quote that is thirty days waiting and two year benefit period, and then we'll just you know, it it kind of just an adjustment to the advice to make it easier on yourself.","start":1048.975,"end":1062.19,"sentiment":"neutral","sentiment_score":0.11738388029471883},{"text":"But it how we just understand that that's an alteration, and we'll just go ahead with that instead of what was recommended for you, if that makes sense.","start":1062.57,"end":1069.23,"sentiment":"neutral","sentiment_score":0.03934001616601433},{"text":"Yeah.","start":1072.01,"end":1072.51,"sentiment":"neutral","sentiment_score":-0.0768212303519249}],"sentiment":"neutral","sentiment_score":0.10834310444451012,"num_words":113,"start":1039.82,"end":1072.51},{"sentences":[{"text":"Yeah.","start":1072.8049,"end":1073.3049,"sentiment":"neutral","sentiment_score":-0.04552220553159714},{"text":"Yes.","start":1075.765,"end":1076.265,"sentiment":"neutral","sentiment_score":-0.07736633718013763},{"text":"Mhmm.","start":1079.765,"end":1080.265,"sentiment":"neutral","sentiment_score":-0.20465251803398132},{"text":"It could be.","start":1083.0449,"end":1084.1849,"sentiment":"neutral","sentiment_score":-0.161161740620931},{"text":"Yeah.","start":1086.005,"end":1086.485,"sentiment":"neutral","sentiment_score":-0.1259429007768631}],"sentiment":"neutral","sentiment_score":-0.13385274048362458,"num_words":7,"start":1072.8049,"end":1086.485},{"sentences":[{"text":"It really depends on what it is.","start":1086.485,"end":1088.265,"sentiment":"neutral","sentiment_score":-0.2673979720899037},{"text":"No.","start":1088.52,"end":1089.02,"sentiment":"neutral","sentiment_score":-0.12917666137218475},{"text":"No.","start":1090.76,"end":1091.0801,"sentiment":"neutral","sentiment_score":-0.22240328788757324},{"text":"That's okay.","start":1091.0801,"end":1091.98,"sentiment":"neutral","sentiment_score":-0.1683182716369629},{"text":"Yeah.","start":1092.8401,"end":1093.0801,"sentiment":"neutral","sentiment_score":0.04881884157657623}],"sentiment":"neutral","sentiment_score":-0.20926528796553612,"num_words":12,"start":1086.485,"end":1093.0801},{"sentences":[{"text":"Of course.","start":1093.0801,"end":1093.56,"sentiment":"neutral","sentiment_score":0.06176092475652695},{"text":"So, essentially, we go through an application form with you for the the changes that goes through to the underwriters.","start":1093.56,"end":1099.3401,"sentiment":"neutral","sentiment_score":0.08980212993919849},{"text":"They'll obviously assess what you currently have on there.","start":1099.48,"end":1102.12,"sentiment":"neutral","sentiment_score":0.06690857890579435},{"text":"They'll have a look at what you do have disclosed already within the application.","start":1102.12,"end":1106.9451,"sentiment":"neutral","sentiment_score":0.07944834897560733},{"text":"If there is anything that flags that they need to maybe seek more medical assistance on, they'll get you to sign an authority which allows them to request doctor's reports.","start":1107.0851,"end":1116.305,"sentiment":"neutral","sentiment_score":0.03091410603374243}],"sentiment":"neutral","sentiment_score":0.06081922300159931,"num_words":75,"start":1093.0801,"end":1116.305},{"sentences":[{"text":"They do sometimes also request maybe a nurse makes contact with you to come out and do some medicals.","start":1116.66,"end":1122.02,"sentiment":"neutral","sentiment_score":0.09650645679549168},{"text":"They might have what's called a MBA 20, which is like a mini check or something.","start":1122.02,"end":1125.56,"sentiment":"neutral","sentiment_score":0.0739706396125257},{"text":"And they come out and they take your height and their weight, and they check your breathing, and they basically do, like, a have a appointment with you where they just do this medical assessment, and that just goes back to them.","start":1125.62,"end":1136.3451,"sentiment":"neutral","sentiment_score":0.06269443194781031},{"text":"If there is anything that flags, there could be an exclusion.","start":1136.885,"end":1140.005,"sentiment":"neutral","sentiment_score":-0.22854860262437302},{"text":"There could be loadings.","start":1140.005,"end":1141.145,"sentiment":"neutral","sentiment_score":-0.2557979226112366}],"sentiment":"neutral","sentiment_score":0.02296839929793192,"num_words":92,"start":1116.66,"end":1141.145},{"sentences":[{"text":"It really depends on what it is.","start":1141.2051,"end":1142.9651,"sentiment":"neutral","sentiment_score":-0.16009559163025447},{"text":"Normally, they'll just if there's a preexisting condition, like a a knee or a back or something, they might just exclude that area.","start":1142.9651,"end":1150.06,"sentiment":"neutral","sentiment_score":-0.2015477519320405},{"text":"If it's, you know, to do with height and weight like BMI or it's to do with, you know, overall health, they can't can sometimes add a loading, which does make the policy more expensive.","start":1150.84,"end":1162.715,"sentiment":"neutral","sentiment_score":-0.1590590186417103},{"text":"Sorry.","start":1162.775,"end":1163.275,"sentiment":"neutral","sentiment_score":-0.2334036082029343},{"text":"Having a loading whilst the bill makes the policy more expensive means that you can claim for preexisting conditions, whereas an exclusion just excludes that preexisting condition completely.","start":1163.975,"end":1173.4349,"sentiment":"negative","sentiment_score":-0.4221814955983843}],"sentiment":"neutral","sentiment_score":-0.24870019758793901,"num_words":94,"start":1141.2051,"end":1173.4349},{"sentences":[{"text":"It just comes down to how the assessment is.","start":1174.47,"end":1176.55,"sentiment":"neutral","sentiment_score":-0.050331527574194804},{"text":"But before it ever goes in force, the the underwriters come back with their decision.","start":1176.55,"end":1180.95,"sentiment":"neutral","sentiment_score":-0.19658429821332296},{"text":"They speak to us, and then we come back and we decide, hey.","start":1180.95,"end":1184.39,"sentiment":"neutral","sentiment_score":-0.22588924719737127},{"text":"Look.","start":1184.39,"end":1184.63,"sentiment":"negative","sentiment_score":-0.35265547037124634},{"text":"We're not happy with this.","start":1184.63,"end":1185.67,"sentiment":"negative","sentiment_score":-0.7148083329200745}],"sentiment":"neutral","sentiment_score":-0.23872105976523356,"num_words":43,"start":1174.47,"end":1185.67},{"sentences":[{"text":"We'll fight it, and we'll tell you what's happening.","start":1185.67,"end":1187.85,"sentiment":"neutral","sentiment_score":-0.23352109144131342},{"text":"Or if there's nothing that we haven't sort of seen I mean, from everything I can see, you're pretty healthy.","start":1188.585,"end":1193.465,"sentiment":"neutral","sentiment_score":-0.12712387256324292},{"text":"I don't sort of expect much to come with that at the moment.","start":1193.465,"end":1196.445,"sentiment":"neutral","sentiment_score":-0.250143826007843},{"text":"But if there is anything that flags, we'll come back and have that conversation prior to putting it into force just so you're fully informed, and then you get the the to decide whether you're happy to proceed with that offer of cover or not, and we then we kinda go from there.","start":1197.065,"end":1211.03,"sentiment":"neutral","sentiment_score":0.13745206130563087},{"text":"Does that make sense?","start":1211.03,"end":1212.09,"sentiment":"neutral","sentiment_score":0.07737944461405277}],"sentiment":"neutral","sentiment_score":-0.003046060451353439,"num_words":99,"start":1185.67,"end":1212.09},{"sentences":[{"text":"Yeah.","start":1213.59,"end":1213.99,"sentiment":"neutral","sentiment_score":0.13702435791492462},{"text":"Yeah.","start":1213.99,"end":1214.49,"sentiment":"neutral","sentiment_score":0.14445078372955322},{"text":"So I just like to, you know, prep everyone, let you know there are, the underwriters do assess everything medically.","start":1215.03,"end":1220.365,"sentiment":"neutral","sentiment_score":0.2143062435090542},{"text":"Anything that changes on your health from when the original application was enforced doesn't affect anything that's already enforced.","start":1220.825,"end":1226.425,"sentiment":"neutral","sentiment_score":0.13663205386776672},{"text":"And that's probably the good thing about increasing or altering a new a current policy is that at the moment, you do have that no.","start":1226.425,"end":1234.61,"sentiment":"neutral","sentiment_score":0.2501609992980957}],"sentiment":"neutral","sentiment_score":0.20329748511765944,"num_words":66,"start":1213.59,"end":1234.61},{"sentences":[{"text":"That's that's correct.","start":1234.61,"end":1236.4501,"sentiment":"neutral","sentiment_score":0.06845533102750778},{"text":"So if they find that there is a back exclusion, so long as you didn't have that preexisting when you apply for the policy originally, that will only be put on the the increase of the policy.","start":1236.4501,"end":1247.385,"sentiment":"neutral","sentiment_score":-0.030667965979994955},{"text":"So anything new only affects the increased portion of the policy.","start":1247.625,"end":1251.5651,"sentiment":"neutral","sentiment_score":0.08004176955331456},{"text":"It won't it won't affect the policy that was already held in place, and that's one benefit we have to retaining the cover and just increasing with the same provider for you.","start":1251.785,"end":1261.5651,"sentiment":"neutral","sentiment_score":0.23952290695160627},{"text":"Yeah.","start":1261.865,"end":1262.365,"sentiment":"neutral","sentiment_score":0.289303183555603}],"sentiment":"neutral","sentiment_score":0.09410889193947826,"num_words":84,"start":1234.61,"end":1262.365},{"sentences":[{"text":"Yeah.","start":1264.0,"end":1264.48,"sentiment":"positive","sentiment_score":0.4579659700393677},{"text":"All good.","start":1264.48,"end":1265.3,"sentiment":"positive","sentiment_score":0.6248819231987},{"text":"So I'll get that quote done.","start":1265.68,"end":1267.36,"sentiment":"neutral","sentiment_score":0.26150190581878024},{"text":"Did you have any questions about any other parts of the recommendations, the super, or anything else there at all?","start":1267.36,"end":1272.8,"sentiment":"neutral","sentiment_score":0.2106095276772976},{"text":"I'm happy to answer anything you've got.","start":1272.8,"end":1274.9,"sentiment":"positive","sentiment_score":0.49483610902513775}],"sentiment":"neutral","sentiment_score":0.3042440157797601,"num_words":36,"start":1264.0,"end":1274.9},{"sentences":[{"text":"Yeah.","start":1280.5449,"end":1281.0449,"sentiment":"neutral","sentiment_score":0.01011025533080101},{"text":"Yeah.","start":1285.265,"end":1285.765,"sentiment":"neutral","sentiment_score":0.13694564998149872},{"text":"Absolutely.","start":1298.41,"end":1298.91,"sentiment":"neutral","sentiment_score":0.02828971296548843},{"text":"Yeah.","start":1304.1051,"end":1304.505,"sentiment":"positive","sentiment_score":0.44123440980911255},{"text":"Definitely.","start":1304.505,"end":1305.005,"sentiment":"positive","sentiment_score":0.6336290240287781}],"sentiment":"neutral","sentiment_score":0.2500418104231358,"num_words":5,"start":1280.5449,"end":1305.005},{"sentences":[{"text":"I mean, realist yeah.","start":1305.2251,"end":1307.2251,"sentiment":"positive","sentiment_score":0.4738422706723213},{"text":"I mean, realistically, starting that next review and maybe doing that over the course of the years might even bring your wife safer more in line with yours, which would be kind of really great.","start":1307.2251,"end":1315.82,"sentiment":"positive","sentiment_score":0.7017627511705671},{"text":"What we sort of hope to see at retirement, which doesn't often happen, is that you both have a fairly similar balance so you can kinda draw a pro rata out of those to cover, and it kind of sees it, you know, stay aligned and last a lot longer, whereas most people who retire at the moment have very different balances.","start":1315.82,"end":1332.675,"sentiment":"neutral","sentiment_score":0.2582734712669926},{"text":"You're drawing more out of one and less out of the other and, you know, trying to kinda keep them moving at the same sort of speed.","start":1332.735,"end":1339.235,"sentiment":"neutral","sentiment_score":-0.004034222414096196},{"text":"But, yeah, look, because we don't I don't I don't really want you to kinda get to that $3,000,000 market.","start":1339.935,"end":1345.39,"sentiment":"neutral","sentiment_score":-0.07951364992186427}],"sentiment":"neutral","sentiment_score":0.27547853776077563,"num_words":148,"start":1305.2251,"end":1345.39},{"sentences":[{"text":"That as much as it's good to have $3,000,000 in super, it does mean there's extra taxes, and it's not indexed at all.","start":1345.39,"end":1351.3301,"sentiment":"neutral","sentiment_score":0.10431054360030786},{"text":"And it does also continue if you're also in that pension phase too.","start":1351.39,"end":1354.8451,"sentiment":"neutral","sentiment_score":0.12746761624629682},{"text":"So it's about that longevity aspect.","start":1354.8451,"end":1356.865,"sentiment":"neutral","sentiment_score":0.07953111330668132},{"text":"So Yeah.","start":1356.925,"end":1362.785,"sentiment":"neutral","sentiment_score":0.06307720579206944},{"text":"Absolutely.","start":1365.005,"end":1365.505,"sentiment":"neutral","sentiment_score":0.309212327003479}],"sentiment":"neutral","sentiment_score":0.11041722072081434,"num_words":45,"start":1345.39,"end":1365.505},{"sentences":[{"text":"And, realistically, up until you reach that agent, that lovely age of 60 and retire or 65, we can only do a few limited strategies, but they are definitely worth having a look at now.","start":1365.7251,"end":1377.29,"sentiment":"neutral","sentiment_score":0.26110048549515863},{"text":"And, yeah, looking, you know, if it's if your wife doesn't have as healthy a balance, if it's not really invested the way yours is, we could always look to, you know, do joint advice together, onboard her, look at, you know, how contributing to your super and then splitting your contributions works and what that projects over time to sort of show you guys where this could end up and how it could benefit benefit both of you.","start":1377.67,"end":1399.3301,"sentiment":"neutral","sentiment_score":0.3048281224468086},{"text":"Down the track when you do kinda get into that retirement phase as well, there's other things that we can do because we'll be able to draw money out of super.","start":1399.3301,"end":1406.79,"sentiment":"neutral","sentiment_score":0.16420920481604914},{"text":"We're limited to that until you get to that retirement sort of phase and meet that condition of release.","start":1406.93,"end":1411.665,"sentiment":"neutral","sentiment_score":0.06631673362694289},{"text":"But when you get to that point, if your balance is still increasing quite heavily, we can always look to draw some money out and move it into other places.","start":1411.665,"end":1419.2051,"sentiment":"neutral","sentiment_score":0.17976337398091952}],"sentiment":"neutral","sentiment_score":0.23176981017147144,"num_words":194,"start":1365.7251,"end":1419.2051},{"sentences":[{"text":"That way, it sort of shelters it from that additional tax as well.","start":1419.8251,"end":1422.865,"sentiment":"neutral","sentiment_score":0.30142976572880376},{"text":"So there are definitely a lot of fun, cool strategies we can do.","start":1422.865,"end":1426.65,"sentiment":"positive","sentiment_score":0.5576035380363464},{"text":"We're limited now, but there are still things that we can put in place to try and keep your balance, you know, not low, but, you know, look after it a bit.","start":1426.73,"end":1435.53,"sentiment":"neutral","sentiment_score":0.08344269398367032},{"text":"So yeah.","start":1435.53,"end":1436.43,"sentiment":"neutral","sentiment_score":0.021173828281462193},{"text":"Yeah.","start":1440.025,"end":1440.525,"sentiment":"neutral","sentiment_score":-0.03522058576345444}],"sentiment":"neutral","sentiment_score":0.22696272503645692,"num_words":61,"start":1419.8251,"end":1440.525},{"sentences":[{"text":"Yes.","start":1442.025,"end":1442.525,"sentiment":"neutral","sentiment_score":0.045515432953834534},{"text":"Yeah.","start":1447.385,"end":1447.885,"sentiment":"neutral","sentiment_score":0.11440212279558182},{"text":"Absolutely.","start":1448.345,"end":1448.845,"sentiment":"neutral","sentiment_score":0.13691794872283936},{"text":"Yeah.","start":1454.345,"end":1454.665,"sentiment":"neutral","sentiment_score":0.0592389702796936},{"text":"Absolutely.","start":1454.665,"end":1455.165,"sentiment":"neutral","sentiment_score":0.10450803488492966}],"sentiment":"neutral","sentiment_score":0.09211650192737579,"num_words":5,"start":1442.025,"end":1455.165},{"sentences":[{"text":"Yeah.","start":1455.7999,"end":1456.2999,"sentiment":"neutral","sentiment_score":0.07811452448368073},{"text":"And the income protection is the yeah.","start":1456.36,"end":1458.44,"sentiment":"neutral","sentiment_score":0.029700026980468204},{"text":"Absolutely.","start":1458.44,"end":1458.94,"sentiment":"neutral","sentiment_score":0.1276525855064392},{"text":"Definitely.","start":1459.0,"end":1459.48,"sentiment":"neutral","sentiment_score":0.09218454360961914},{"text":"That is the highest part of the the cost of your insurance.","start":1459.48,"end":1462.94,"sentiment":"neutral","sentiment_score":-0.11044488785167535}],"sentiment":"neutral","sentiment_score":-0.03724940053441308,"num_words":22,"start":1455.7999,"end":1462.94},{"sentences":[{"text":"Unfortunately, income protection always costs the most out of all of them.","start":1463.0,"end":1465.96,"sentiment":"negative","sentiment_score":-0.35913023600975674},{"text":"So I'll start by getting that quote there for you.","start":1465.96,"end":1468.36,"sentiment":"neutral","sentiment_score":0.0902086716145277},{"text":"My team will email it through.","start":1468.36,"end":1469.955,"sentiment":"neutral","sentiment_score":0.1428937166929245},{"text":"I did email you this afternoon just kinda going through answering those questions for you as well and just kinda reiterating, you know, the risk factor and what we can do other strategy wise with the insurances.","start":1470.195,"end":1479.255,"sentiment":"neutral","sentiment_score":0.06360210656075159},{"text":"Did you get a chance to read through that or not yet?","start":1480.115,"end":1482.2749,"sentiment":"neutral","sentiment_score":0.009497947835673889}],"sentiment":"neutral","sentiment_score":-0.0010761103771215715,"num_words":77,"start":1463.0,"end":1482.2749},{"sentences":[{"text":"If you haven't, it's okay.","start":1482.2749,"end":1488.63,"sentiment":"neutral","sentiment_score":-0.008297435566782951},{"text":"Yeah.","start":1488.6901,"end":1489.1901,"sentiment":"neutral","sentiment_score":0.05554401874542236},{"text":"Yeah.","start":1501.095,"end":1501.595,"sentiment":"neutral","sentiment_score":0.011087973602116108},{"text":"Absolutely.","start":1501.6549,"end":1502.1549,"sentiment":"neutral","sentiment_score":-0.005601778626441956},{"text":"Yep.","start":1508.135,"end":1508.635,"sentiment":"neutral","sentiment_score":-0.119315467774868}],"sentiment":"neutral","sentiment_score":-0.011085825765298471,"num_words":9,"start":1482.2749,"end":1508.635},{"sentences":[{"text":"Yeah.","start":1520.63,"end":1521.03,"sentiment":"neutral","sentiment_score":0.10568031668663024},{"text":"No.","start":1521.03,"end":1521.27,"sentiment":"neutral","sentiment_score":0.20084387063980105},{"text":"Absolutely.","start":1521.27,"end":1521.77,"sentiment":"positive","sentiment_score":0.35746994614601135},{"text":"Not a problem.","start":1522.3099,"end":1522.87,"sentiment":"positive","sentiment_score":0.46341416239738464},{"text":"I've actually got a really good account we can refer you through to.","start":1522.87,"end":1525.85,"sentiment":"positive","sentiment_score":0.6206307273644668}],"sentiment":"positive","sentiment_score":0.532759793494877,"num_words":19,"start":1520.63,"end":1525.85},{"sentences":[{"text":"I normally do, like, a a bit of a welcome email that introduces you to him and him to you.","start":1526.275,"end":1531.075,"sentiment":"neutral","sentiment_score":0.2537374719977379},{"text":"His name's Steve.","start":1531.075,"end":1531.955,"sentiment":"positive","sentiment_score":0.41667234897613525},{"text":"He's fantastic.","start":1531.955,"end":1532.695,"sentiment":"positive","sentiment_score":0.7158938050270081},{"text":"Are you comfortable if I do that introduction email?","start":1533.715,"end":1536.035,"sentiment":"neutral","sentiment_score":0.21605837841828665},{"text":"I'll probably do it first thing in the morning for you, which introduces you.","start":1536.035,"end":1539.46,"sentiment":"neutral","sentiment_score":0.13168704616171972}],"sentiment":"neutral","sentiment_score":0.24051454477012157,"num_words":48,"start":1526.275,"end":1539.46},{"sentences":[{"text":"And I provide him just some basic information for you and a bit of an idea of what you're after, and then he'll be in touch to book a time to meet you with an initial consultation and talk about what he can do and look at what you're after, and then he'll kinda go from there.","start":1539.46,"end":1552.655,"sentiment":"neutral","sentiment_score":0.1707149243407082},{"text":"Is that okay?","start":1552.655,"end":1553.475,"sentiment":"neutral","sentiment_score":0.11983409275611241},{"text":"Yep.","start":1554.895,"end":1555.295,"sentiment":"neutral","sentiment_score":0.24111805856227875},{"text":"Fantastic.","start":1555.295,"end":1555.795,"sentiment":"positive","sentiment_score":0.6108238697052002},{"text":"I'll get that email done first thing in the morning for you.","start":1555.855,"end":1558.335,"sentiment":"positive","sentiment_score":0.3878415698806445}],"sentiment":"neutral","sentiment_score":0.2107607261151881,"num_words":74,"start":1539.46,"end":1558.335},{"sentences":[{"text":"Not a problem at all.","start":1558.335,"end":1559.6951,"sentiment":"neutral","sentiment_score":0.32650806903839114},{"text":"And, yeah, he's a great accountant.","start":1559.6951,"end":1561.215,"sentiment":"positive","sentiment_score":0.43810925384362537},{"text":"I think he's fantastic.","start":1561.215,"end":1562.275,"sentiment":"positive","sentiment_score":0.5826485455036163},{"text":"He's a he's perfect.","start":1562.335,"end":1563.635,"sentiment":"positive","sentiment_score":0.5250396877527237},{"text":"You wanna nerd in your accountant, then he is it.","start":1563.66,"end":1565.66,"sentiment":"neutral","sentiment_score":0.26797839254140854}],"sentiment":"positive","sentiment_score":0.39212871471355704,"num_words":29,"start":1558.335,"end":1565.66},{"sentences":[{"text":"Steve is it.","start":1565.66,"end":1566.64,"sentiment":"neutral","sentiment_score":0.13863112777471542},{"text":"He is just so knowledgeable.","start":1566.86,"end":1568.0801,"sentiment":"neutral","sentiment_score":0.11952797621488571},{"text":"Beautiful.","start":1571.1,"end":1571.6,"sentiment":"positive","sentiment_score":0.3936309218406677},{"text":"Easy.","start":1571.9,"end":1572.3,"sentiment":"positive","sentiment_score":0.3687516450881958},{"text":"Well, thank you so much.","start":1572.3,"end":1573.74,"sentiment":"positive","sentiment_score":0.41766581535339353}],"sentiment":"neutral","sentiment_score":0.25761632720629374,"num_words":15,"start":1565.66,"end":1573.74},{"sentences":[{"text":"I'm glad you took some time to read the document.","start":1573.74,"end":1575.8401,"sentiment":"positive","sentiment_score":0.4259241998195648},{"text":"I'll try to I know you are very busy, so I can try to do as much as I can by email for you as well just to make it a lot easier.","start":1576.06,"end":1582.925,"sentiment":"neutral","sentiment_score":0.2117279903455214},{"text":"I've kind of sat down with our team and gone, hey.","start":1582.925,"end":1584.8451,"sentiment":"neutral","sentiment_score":0.09609756009145216},{"text":"Look.","start":1584.8451,"end":1585.0851,"sentiment":"neutral","sentiment_score":0.026885593309998512},{"text":"Not everyone's available on the phone all the time, especially family and kids and work.","start":1585.0851,"end":1588.8451,"sentiment":"neutral","sentiment_score":0.026550989598035812}],"sentiment":"neutral","sentiment_score":0.18183556111263377,"num_words":70,"start":1573.74,"end":1588.8451},{"sentences":[{"text":"So we worked up a few ways to do a lot more via email if that helps you out well.","start":1588.8451,"end":1593.98,"sentiment":"neutral","sentiment_score":0.13992073871195315},{"text":"Okay.","start":1596.12,"end":1596.62,"sentiment":"neutral","sentiment_score":0.05600839480757713},{"text":"I see.","start":1598.9199,"end":1599.58,"sentiment":"neutral","sentiment_score":0.14774198085069656},{"text":"Yeah.","start":1602.04,"end":1602.54,"sentiment":"neutral","sentiment_score":0.26919400691986084},{"text":"Not a not a problem at all, Matthew.","start":1603.72,"end":1605.7999,"sentiment":"positive","sentiment_score":0.38256291300058365}],"sentiment":"neutral","sentiment_score":0.2024876388022676,"num_words":32,"start":1588.8451,"end":1605.7999},{"sentences":[{"text":"Thank you so much for your time.","start":1605.7999,"end":1607.0,"sentiment":"positive","sentiment_score":0.8667486735752651},{"text":"I'll let you go to have a good night with the kids.","start":1607.0,"end":1609.135,"sentiment":"positive","sentiment_score":0.8181679795185725},{"text":"I hope you have a restful evening and a good weekend ahead.","start":1609.135,"end":1611.955,"sentiment":"positive","sentiment_score":0.7447208364804586},{"text":"No worries.","start":1613.9349,"end":1614.755,"sentiment":"neutral","sentiment_score":0.22282130271196365},{"text":"Easy.","start":1614.815,"end":1615.095,"sentiment":"positive","sentiment_score":0.3404119610786438}],"sentiment":"positive","sentiment_score":0.7531753256917,"num_words":34,"start":1605.7999,"end":1615.095},{"sentences":[{"text":"I'll thank you so much.","start":1615.095,"end":1617.295,"sentiment":"positive","sentiment_score":0.7115797758102417},{"text":"I'll get my team to focus on the email for you and make sure it comes out, And I'll also get that email done to the accountant's referral tomorrow for you as well.","start":1617.295,"end":1625.98,"sentiment":"positive","sentiment_score":0.4397714047720938},{"text":"Okay?","start":1625.98,"end":1626.48,"sentiment":"neutral","sentiment_score":0.23228678107261655},{"text":"My pleasure.","start":1628.22,"end":1628.9401,"sentiment":"positive","sentiment_score":0.8378328084945679},{"text":"Have a lovely evening.","start":1628.9401,"end":1629.9,"sentiment":"positive","sentiment_score":0.8078164756298065}],"sentiment":"positive","sentiment_score":0.5157683008246952,"num_words":45,"start":1615.095,"end":1629.9},{"sentences":[{"text":"Thank you so much for taking my call.","start":1629.9,"end":1631.76,"sentiment":"positive","sentiment_score":0.8409657701849937},{"text":"Thanks.","start":1633.34,"end":1633.8201,"sentiment":"positive","sentiment_score":0.5563326478004456},{"text":"See you later.","start":1633.8201,"end":1634.72,"sentiment":"positive","sentiment_score":0.4641386866569519},{"text":"Bye.","start":1634.78,"end":1635.28,"sentiment":"neutral","sentiment_score":-0.1111380085349083}],"sentiment":"positive","sentiment_score":0.6588720662089494,"num_words":13,"start":1629.9,"end":1635.28}]}}]},{"alternatives":[{"transcript":"Hello. May I speak Good. Good, Donna. How are you? Yeah. It's all good. Yep. Yep. Matthew Alexander Stevenson to Courtland Street, Salisbury, And 4th Of June 1986. Yeah. You know, I thought that was great. That that was actually really helpful. Thank you. Even even though don't don't be worried about I was replying at 02:00 in the morning. It just so happened I fell asleep putting the kids to bed, and then I remembered that I had that that email to read through. So yeah. Yeah. Yeah. Look. The the main reason for that, I'm just trying to at the moment, I'm I'm trying to rebuild up more of a capital position so I've got other stuff outside of outside of the super. Because, I mean, the super looks healthy. Right? And the what I'm trying to figure out, and this is what I couldn't remember, and I was gonna file you back another email, and then thought it'd be quicker for us to chat now. Remind me what what triggers income protection that wouldn't have triggered, like, TPD or or trauma or things like that. I'm just wondering if that changes the if that changes the risk profile. Because, I mean, if in theory, if I can't work because I've had trauma or PPD and that's stopped my ability to work, can I trigger those other causes first, and then that gives me the time to buy through to if I had the longer waiting period? But just so you know where my processing was going. Yeah. Yeah. Cool. Okay. Okay. Yep. Yeah. No. That makes sense. So, I mean, if I left it where I am right now, it'd be me trying to if that situation that would occur that wouldn't normally trigger those, I guess I'd be down to what other options I'd have to do to cover expenses in the meantime and whether I can hope hope and bid my luck on, like, hardship permissions while I wait for that stuff to kick in, I guess, would be my only option. There's there's no guarantee that that would be would work either. Right? So I guess that's a risk position that I'd have to take if I don't change that waiting period for now. Yep. Yeah. That's where it triggers all the extra things if I'm not back by then. Right? So so and I I don't want to cause more work for you, but I'm just thinking, do we do we seek that other one, that that alternate quote that would be to the two years maybe? And I'm just yeah. And I know that premiums are going up right now. I'm just the other the other part that's playing through my mind is that this would see an increase in that premium again. But if it's gonna keep increasing each year, like, what does it does it have a max cap out that that premium would reach per month? Because yeah. Yeah. No. No. No. That's no. That's alright. Yeah. No. That's fine. Because the way I look at it at the moment, I look at my insurances, and I mean, it's it's all for valid reasons. But at the same time, these insurances are the ones that are probably eating the most out monthly. And I mean, there's good reason for that, but at the same time, it it it it still sucks out a bunch of cash flow at the moment. Well, look, this I'll I'll be going back to my budget last night. I'm like, oh, finally, they'd finished their final swimming lessons and then that would cover it. Right? Like, the the cost for last two in swimming lessons that that ends up equaling out to about what the premium would be. I'm like, oh, I can't remove that, but now I want the kids to swim. So, yeah, just trying to just trying to shift things around and try to rebuild everything, I guess, in my challenge right now. And, yeah, whether, yeah, I can see that see what that quote I mean, the the rest makes sense. So I guess the the change to the fixing up what's what's underperforming in that bit. That all makes sense. I don't know whether we can separate that part of the device out while we fix up the rest of the insurance piece or not. But my other question my only question on that one was knowing where they're flirting with that $3,000,000 cap. Do at what point, and it doesn't have to be now, but it's probably something within the next review cycle, Happens. It's done. Sorry. Hold on here as well. Okay. Ready. Are you trying to play as well, Patty? No. Okay. Or you just have to wait for a second. I'll get it sorted out for you in a second. Okay? Just keep her happy, and then I'll go buy you something on my home. Mhmm. Yeah. Yeah. I ended up having kids with me when I went to drop the drop the drop the oldest up at Scuf. Yeah. So where I was going with that was I'm just thinking and doesn't have to be in this review cycle, but something I probably need to think about is if they do put in that $3,000,000 piece, even if I looked at no more contributions going in by my calculations, I'm gonna exceed that 3,000,000 mark between now and when I retire. Right? So as as and that's that's working up a very modest growth rate as well and no further contributions. So what I was thinking was do is there a strategy we need to put in place to treat that? And maybe it's I start contributing to my wife's because she's got next to nothing. So then as a family unit, we have more, or is it, you know, is it going through those sort of thought processes for my super strategy as well? But I guess the thing is we don't know if have they passed the the three million one? Yeah. I I couldn't remember if it was actually still outstanding or not. Yeah. Just just does everything in right. Yep. Yep. Yeah. I just do a transfer across. Right? Yeah. Yeah. Yeah. Look, it's it's definitely definitely wouldn't be at the moment because she's just I think she's still with her super her account. Probably would have went back to Australian super. I'm pretty sure. Well, because she was ex q super. Right? So but her yeah. Time and trial trends. Yeah. That one. Sorry. Yeah. Back to that one. So she yeah. Her super probably needs a bit of work, but, I mean, the the amount that she gets contributions, she's only doing, like, casual work at the moment where they are paying sleep to her, but it's, like, few and far between. And that's the other thing that we're trying to do. That's the other reason I'm trying to watch the cash flow at the moment until she can be back at work, which hopefully the the youngest is in school again next year, who will even start school next year, which would give her more time to, hopefully get a get more of a salary. But a very, very careful plotting game for us at the moment because she can get carrier's allowance as long as we pick just underneath that $2.50 k house hold piece. And when I when I did estimate for my tax, it looks like I got an extra payment that has just pushed me over, which means I'm probably gonna have a debt to pay back to tax office, I'd imagine. So we're working through what that's possibly gonna look like, and I'm looking for other other claimable right now to see if I can lower that back down. Haven't spoken to an accountant about it yet. I'm I'm just looking at what the numbers look like and just on my own self estimate. But because, technically, I didn't have anything fancy in my piece, and I've only gone to $2.30. But because my bonus from my last company that I left got paid during the same financial year, I think it's pushed me over. It's sitting where was I sitting? I me by myself, I think I sat at the $2.52 mark, I think, for the for the gross. So but then I yeah. Okay. Alright. Yeah. Okay. Yeah. No. That's it. I'm on the bright side. At least I've got a healthy super balance for someone my age. So that's the one one bright side. Right? Yeah. No. The the other part I'm worried about is it's more it's taking it would have taken us over the household income, which means they'll come after the the carers amount that they'd pay to us. So that's there's there's ways and means to to work that out. So it's not cash flow prohibitive, but just means dealing with Centrelink, which is never fun. Bye. Mhmm. Okay. Yep. Yeah. Okay. No. That makes sense. And with the additional medicals and everything, so if anything was to come out of any of that, could that mean that would just mean exclusions or what's the potential premium changes or not not not that I'm not that I'm really worried, but it's safe always at the back of your mind. Right? Yep. Yep. Yep. Yeah. No. That makes sense. Yep. Yeah. So it doesn't doesn't undo everything else. It's finally on the new yep. Yeah. Cool. Mhmm. No. Like I said, the the super and everything made sense. So I just wanted to flag probably I'm I'm assuming because it's a healthy balance that, yeah, just even compound interest on that will be will take me over that magic number, which, I mean, is great for me, but I'd prefer to make sure that the extra money doesn't get out of my pocket. So that's that's just what I think we put a plan in place for that when when the time is right so we can do that in the next review. Yes. Yeah. Exactly. In my in my mind, if I can move it all across and we end up with over 3,000,000, but it's spread between the two of us, that makes a lot more sense. Yeah. What are you doing? No. That's fine. No. And that's that's probably the biggest question. And then, yeah, I think the income protection is the one that moves that premium the most. So just looking at what we can do. Yeah. Okay. No. That makes sense. So we'll we'll go from there and Yeah. Yep. Yeah. No. That that makes sense. And is is there yeah. There's a light. Is there have you guys got any recommended recommendations for a good accountant? Because, yeah, mine normally only mine's normally only yeah. Just my my wages. Right? Because I don't have I don't have an investment portfolio at the moment. Don't have investment properties. So I've just been running it myself with just simple deductions. So that's also probably buys me some time for when I need to submit. So yep. Yeah. That's fine. Yeah. Yeah. That's fine. That's it. Awesome. No. It sounds good. No. That's great. And I look I I think that made it easy and then I could ask questions beforehand. So that that was really appreciated. So thank you. Right. Thank you very much. You too. And I hope I hope you have a great time off. Great. Thank you very much. Thanks. You too. Bye.","confidence":0.9892578,"words":[{"word":"hello","start":1.04,"end":1.36,"confidence":0.88378906,"punctuated_word":"Hello.","sentiment":"neutral","sentiment_score":0.03512153774499893},{"word":"may","start":1.36,"end":1.4399999,"confidence":0.44213867,"punctuated_word":"May","sentiment":"neutral","sentiment_score":0.04110494256019592},{"word":"i","start":1.4399999,"end":1.52,"confidence":0.9819336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.041730497032403946},{"word":"speak","start":1.52,"end":1.8399999,"confidence":0.86279297,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":0.040178392082452774},{"word":"good","start":6.16,"end":6.48,"confidence":0.53637695,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.4770554006099701},{"word":"good","start":6.48,"end":6.56,"confidence":0.8034668,"punctuated_word":"Good,","sentiment":"positive","sentiment_score":0.5278974771499634},{"word":"donna","start":6.56,"end":6.7999997,"confidence":0.7775879,"punctuated_word":"Donna.","sentiment":"positive","sentiment_score":0.45683762431144714},{"word":"how","start":6.7999997,"end":7.04,"confidence":0.99316406,"punctuated_word":"How","sentiment":"positive","sentiment_score":0.38406404852867126},{"word":"are","start":7.04,"end":7.12,"confidence":0.99902344,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.3769398629665375},{"word":"you","start":7.12,"end":7.62,"confidence":0.99853516,"punctuated_word":"you?","sentiment":"positive","sentiment_score":0.3980189859867096},{"word":"yeah","start":16.655,"end":17.055,"confidence":0.95751953,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2558329701423645},{"word":"it's","start":17.055,"end":17.295,"confidence":0.9350586,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.39140117168426514},{"word":"all","start":17.295,"end":17.455,"confidence":0.97802734,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4494156837463379},{"word":"good","start":17.455,"end":17.955,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.44388124346733093},{"word":"yep","start":26.255001,"end":26.755001,"confidence":0.9980469,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18971547484397888},{"word":"yep","start":33.5,"end":33.9,"confidence":0.98583984,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0349508598446846},{"word":"matthew","start":33.9,"end":34.3,"confidence":0.99316406,"punctuated_word":"Matthew","sentiment":"neutral","sentiment_score":0.018419308587908745},{"word":"alexander","start":34.3,"end":34.78,"confidence":0.9951172,"punctuated_word":"Alexander","sentiment":"neutral","sentiment_score":0.023703692480921745},{"word":"stevenson","start":34.78,"end":35.28,"confidence":0.67626953,"punctuated_word":"Stevenson","sentiment":"neutral","sentiment_score":0.03017844632267952},{"word":"to","start":35.42,"end":35.74,"confidence":0.71484375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02841341681778431},{"word":"courtland","start":35.74,"end":36.24,"confidence":0.8679199,"punctuated_word":"Courtland","sentiment":"neutral","sentiment_score":0.04493088647723198},{"word":"street","start":36.3,"end":36.7,"confidence":0.97558594,"punctuated_word":"Street,","sentiment":"neutral","sentiment_score":0.03845769912004471},{"word":"salisbury","start":36.7,"end":37.2,"confidence":0.83951825,"punctuated_word":"Salisbury,","sentiment":"neutral","sentiment_score":0.047577064484357834},{"word":"and","start":37.260002,"end":37.5,"confidence":0.9902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.048889461904764175},{"word":"4th","start":37.5,"end":37.74,"confidence":0.9536133,"punctuated_word":"4th","sentiment":"neutral","sentiment_score":0.050202369689941406},{"word":"of","start":37.74,"end":37.82,"confidence":0.98095703,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.04644846171140671},{"word":"june","start":37.82,"end":38.14,"confidence":1.0,"punctuated_word":"June","sentiment":"neutral","sentiment_score":0.041978463530540466},{"word":"1986","start":38.14,"end":39.015,"confidence":0.942749,"punctuated_word":"1986.","sentiment":"neutral","sentiment_score":0.061686135828495026},{"word":"yeah","start":51.03,"end":51.53,"confidence":0.7529297,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.209463894367218},{"word":"you","start":63.91,"end":64.07,"confidence":0.68652344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.2753095328807831},{"word":"know","start":64.07,"end":64.47,"confidence":0.93896484,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.2976647615432739},{"word":"i","start":64.47,"end":64.695,"confidence":0.9980469,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.43392330408096313},{"word":"thought","start":64.855,"end":65.015,"confidence":0.9921875,"punctuated_word":"thought","sentiment":"positive","sentiment_score":0.4843190312385559},{"word":"that","start":65.015,"end":65.095,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5637168884277344},{"word":"was","start":65.095,"end":65.175,"confidence":0.9980469,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.5714994668960571},{"word":"great","start":65.175,"end":65.415,"confidence":0.98657227,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.6300556659698486},{"word":"that","start":65.415,"end":65.655,"confidence":0.9394531,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.5743792057037354},{"word":"that","start":65.655,"end":65.735,"confidence":0.7578125,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6589425802230835},{"word":"was","start":65.735,"end":65.815,"confidence":0.99902344,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.6368380188941956},{"word":"actually","start":65.815,"end":66.135,"confidence":0.9941406,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.5993093848228455},{"word":"really","start":66.135,"end":66.295,"confidence":0.9980469,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.604819655418396},{"word":"helpful","start":66.295,"end":66.615,"confidence":0.9995117,"punctuated_word":"helpful.","sentiment":"positive","sentiment_score":0.6120409369468689},{"word":"thank","start":66.615,"end":66.854996,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5247841477394104},{"word":"you","start":66.854996,"end":67.354996,"confidence":0.9970703,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4567940831184387},{"word":"even","start":67.495,"end":67.815,"confidence":0.90527344,"punctuated_word":"Even","sentiment":"neutral","sentiment_score":0.0975087583065033},{"word":"even","start":67.815,"end":68.055,"confidence":0.9951172,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.05589117854833603},{"word":"though","start":68.055,"end":68.555,"confidence":0.9951172,"punctuated_word":"though","sentiment":"neutral","sentiment_score":0.0003117285668849945},{"word":"don't","start":70.215,"end":70.615,"confidence":0.92529297,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.0150828268378973},{"word":"don't","start":70.615,"end":70.935,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.008977493271231651},{"word":"be","start":70.935,"end":71.255,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0005073323845863342},{"word":"worried","start":71.255,"end":71.655,"confidence":0.99902344,"punctuated_word":"worried","sentiment":"neutral","sentiment_score":0.009317547082901},{"word":"about","start":71.655,"end":71.975,"confidence":0.99609375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.004471689462661743},{"word":"i","start":71.975,"end":72.055,"confidence":0.4663086,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.007235303521156311},{"word":"was","start":72.055,"end":72.215,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.008564498275518417},{"word":"replying","start":72.215,"end":72.534996,"confidence":0.9890137,"punctuated_word":"replying","sentiment":"neutral","sentiment_score":0.0190287996083498},{"word":"at","start":72.534996,"end":72.615,"confidence":0.9863281,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.022261690348386765},{"word":"02:00","start":72.615,"end":73.095,"confidence":0.999349,"punctuated_word":"02:00","sentiment":"neutral","sentiment_score":0.03281356394290924},{"word":"in","start":73.095,"end":73.175,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04763834550976753},{"word":"the","start":73.175,"end":73.255,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05513039603829384},{"word":"morning","start":73.255,"end":73.575,"confidence":0.9145508,"punctuated_word":"morning.","sentiment":"neutral","sentiment_score":0.03995838761329651},{"word":"it","start":73.575,"end":73.655,"confidence":0.99316406,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.03835159540176392},{"word":"just","start":73.655,"end":73.895,"confidence":0.9760742,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04625755175948143},{"word":"so","start":73.895,"end":73.975,"confidence":0.7792969,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04608645290136337},{"word":"happened","start":73.975,"end":74.215,"confidence":0.8461914,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":0.05953722074627876},{"word":"i","start":74.215,"end":74.295,"confidence":0.80615234,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.026303350925445557},{"word":"fell","start":74.295,"end":74.455,"confidence":0.9707031,"punctuated_word":"fell","sentiment":"neutral","sentiment_score":0.033424749970436096},{"word":"asleep","start":74.455,"end":74.775,"confidence":0.9941406,"punctuated_word":"asleep","sentiment":"neutral","sentiment_score":0.02475122362375259},{"word":"putting","start":74.775,"end":75.015,"confidence":0.68847656,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.014169659465551376},{"word":"the","start":75.015,"end":75.175,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014039680361747742},{"word":"kids","start":75.175,"end":75.335,"confidence":0.9980469,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.03892897069454193},{"word":"to","start":75.335,"end":75.495,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.034372083842754364},{"word":"bed","start":75.495,"end":75.655,"confidence":0.7775879,"punctuated_word":"bed,","sentiment":"neutral","sentiment_score":0.04447571933269501},{"word":"and","start":75.655,"end":75.815,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03968016430735588},{"word":"then","start":75.815,"end":76.055,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.05604583024978638},{"word":"i","start":76.055,"end":76.555,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04241633042693138},{"word":"remembered","start":76.775,"end":77.175,"confidence":0.93603516,"punctuated_word":"remembered","sentiment":"neutral","sentiment_score":0.03116605803370476},{"word":"that","start":77.175,"end":77.335,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.025211095809936523},{"word":"i","start":77.335,"end":77.415,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03867121413350105},{"word":"had","start":77.415,"end":77.655,"confidence":0.9550781,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.04036706313490867},{"word":"that","start":77.655,"end":78.135,"confidence":0.9902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04824395477771759},{"word":"that","start":78.135,"end":78.375,"confidence":0.9091797,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04707586392760277},{"word":"email","start":78.375,"end":78.695,"confidence":0.9951172,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.03439168259501457},{"word":"to","start":78.695,"end":78.854996,"confidence":0.9658203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.037498220801353455},{"word":"read","start":78.854996,"end":79.095,"confidence":0.97314453,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.05300302430987358},{"word":"through","start":79.095,"end":79.595,"confidence":0.9772949,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.04279659688472748},{"word":"so","start":79.86,"end":80.36,"confidence":0.8911133,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03660812973976135},{"word":"yeah","start":84.340004,"end":84.840004,"confidence":0.95458984,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.02433856390416622},{"word":"yeah","start":86.58,"end":87.08,"confidence":0.9550781,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011180325411260128},{"word":"yeah","start":102.915,"end":103.415,"confidence":0.82177734,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02161731943488121},{"word":"look","start":103.555,"end":103.875,"confidence":0.68188477,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":-0.015234570018947124},{"word":"the","start":103.875,"end":104.28,"confidence":0.74658203,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.043478261679410934},{"word":"the","start":104.44,"end":104.68,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.035883232951164246},{"word":"main","start":104.68,"end":104.84,"confidence":0.99902344,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.02016807347536087},{"word":"reason","start":104.84,"end":105.159996,"confidence":1.0,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.014489304274320602},{"word":"for","start":105.159996,"end":105.32,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.01039733737707138},{"word":"that","start":105.32,"end":105.56,"confidence":0.7602539,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.02415008842945099},{"word":"i'm","start":105.56,"end":105.72,"confidence":0.9980469,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.010102769359946253},{"word":"just","start":105.72,"end":105.88,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.008065670728683472},{"word":"trying","start":105.88,"end":106.119995,"confidence":0.9291992,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.012101978063583374},{"word":"to","start":106.119995,"end":106.44,"confidence":0.9707031,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.009860791265964508},{"word":"at","start":106.76,"end":106.84,"confidence":0.8051758,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.028798382729291916},{"word":"the","start":106.84,"end":106.92,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.018149245530366898},{"word":"moment","start":106.92,"end":107.24,"confidence":0.9616699,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.010041952133178713},{"word":"i'm","start":107.24,"end":107.72,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0014181062579154968},{"word":"i'm","start":107.72,"end":107.88,"confidence":0.94750977,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.004655502736568451},{"word":"trying","start":107.88,"end":108.36,"confidence":0.99902344,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.012324556708335876},{"word":"to","start":108.36,"end":108.86,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02824115753173828},{"word":"rebuild","start":110.119995,"end":110.6,"confidence":0.9863281,"punctuated_word":"rebuild","sentiment":"neutral","sentiment_score":0.04949566721916199},{"word":"up","start":110.6,"end":110.76,"confidence":0.99316406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07864125072956085},{"word":"more","start":110.76,"end":111.0,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.043183647096157074},{"word":"of","start":111.0,"end":111.159996,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0353667289018631},{"word":"a","start":111.159996,"end":111.64,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04488494247198105},{"word":"capital","start":111.64,"end":112.119995,"confidence":1.0,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.0829675942659378},{"word":"position","start":112.119995,"end":112.52,"confidence":0.9453125,"punctuated_word":"position","sentiment":"neutral","sentiment_score":0.06342937052249908},{"word":"so","start":112.52,"end":112.68,"confidence":0.5288086,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.031597115099430084},{"word":"i've","start":112.68,"end":112.759995,"confidence":0.85668945,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.039512477815151215},{"word":"got","start":112.759995,"end":113.0,"confidence":0.8828125,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.03556166589260101},{"word":"other","start":113.0,"end":113.159996,"confidence":0.8803711,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.042259521782398224},{"word":"stuff","start":113.159996,"end":113.479996,"confidence":0.9970703,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":0.04959874600172043},{"word":"outside","start":113.479996,"end":113.979996,"confidence":0.9980469,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.07655467092990875},{"word":"of","start":115.0,"end":115.159996,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02999601513147354},{"word":"outside","start":115.159996,"end":115.64,"confidence":0.97265625,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.09117288142442705},{"word":"of","start":115.64,"end":116.14,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05548688769340515},{"word":"the","start":116.36,"end":116.6,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07353100925683975},{"word":"super","start":116.6,"end":116.84,"confidence":0.68725586,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.11387012898921968},{"word":"because","start":116.84,"end":117.08,"confidence":0.77124023,"punctuated_word":"Because,","sentiment":"neutral","sentiment_score":0.1829410046339035},{"word":"i","start":117.08,"end":117.159996,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15070649981498718},{"word":"mean","start":117.159996,"end":117.32,"confidence":0.99902344,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.19466032087802887},{"word":"the","start":117.32,"end":117.479996,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.30160805583000183},{"word":"super","start":117.479996,"end":117.72,"confidence":0.9980469,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.353430837392807},{"word":"looks","start":117.72,"end":117.96,"confidence":0.95947266,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.2979468107223511},{"word":"healthy","start":117.96,"end":118.28,"confidence":0.98339844,"punctuated_word":"healthy.","sentiment":"neutral","sentiment_score":0.24115349352359772},{"word":"right","start":118.28,"end":118.759995,"confidence":0.9970703,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.06988527625799179},{"word":"and","start":118.759995,"end":119.259995,"confidence":0.984375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02152831107378006},{"word":"the","start":120.325,"end":120.825,"confidence":0.9741211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.030644766986370087},{"word":"what","start":121.204994,"end":121.365,"confidence":0.99609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.04182302579283714},{"word":"i'm","start":121.365,"end":121.604996,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.030362427234649655},{"word":"trying","start":121.604996,"end":121.765,"confidence":0.99609375,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.03769535943865776},{"word":"to","start":121.765,"end":121.845,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05223254859447479},{"word":"figure","start":121.845,"end":122.085,"confidence":1.0,"punctuated_word":"figure","sentiment":"neutral","sentiment_score":-0.037238433957099915},{"word":"out","start":122.085,"end":122.325,"confidence":0.81274414,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":-0.026736149564385418},{"word":"and","start":122.325,"end":122.485,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.020550236105918884},{"word":"this","start":122.485,"end":122.645,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.04118127375841141},{"word":"is","start":122.645,"end":122.725,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.029652591794729233},{"word":"what","start":122.725,"end":122.965,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0317232608795166},{"word":"i","start":122.965,"end":123.204994,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03807329013943672},{"word":"couldn't","start":123.204994,"end":123.685,"confidence":1.0,"punctuated_word":"couldn't","sentiment":"neutral","sentiment_score":-0.04169925674796104},{"word":"remember","start":123.685,"end":124.085,"confidence":0.842041,"punctuated_word":"remember,","sentiment":"neutral","sentiment_score":-0.03859258815646171},{"word":"and","start":124.085,"end":124.244995,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03476553410291672},{"word":"i","start":124.244995,"end":124.325,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.040253348648548126},{"word":"was","start":124.325,"end":124.405,"confidence":0.9902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.04054358229041099},{"word":"gonna","start":124.405,"end":124.645,"confidence":0.94970703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.02366924285888672},{"word":"file","start":124.645,"end":124.805,"confidence":0.47021484,"punctuated_word":"file","sentiment":"neutral","sentiment_score":-0.03395818546414375},{"word":"you","start":124.805,"end":124.884995,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03660271316766739},{"word":"back","start":124.884995,"end":125.125,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.021017134189605713},{"word":"another","start":125.125,"end":125.365,"confidence":0.9902344,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.02272265776991844},{"word":"email","start":125.365,"end":125.604996,"confidence":0.6437988,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":-0.01712450385093689},{"word":"and","start":125.604996,"end":125.765,"confidence":0.52490234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0020644590258598328},{"word":"then","start":125.765,"end":125.845,"confidence":0.6567383,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.011226080358028412},{"word":"thought","start":125.845,"end":126.085,"confidence":0.88134766,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":0.001342572271823883},{"word":"it'd","start":126.085,"end":126.244995,"confidence":0.9445801,"punctuated_word":"it'd","sentiment":"neutral","sentiment_score":0.01066761463880539},{"word":"be","start":126.244995,"end":126.325,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03282801806926727},{"word":"quicker","start":126.325,"end":126.725,"confidence":0.9951172,"punctuated_word":"quicker","sentiment":"neutral","sentiment_score":0.009633943438529968},{"word":"for","start":126.725,"end":126.965,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.01998496800661087},{"word":"us","start":126.965,"end":127.125,"confidence":0.99902344,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.02150806039571762},{"word":"to","start":127.125,"end":127.365,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02275911346077919},{"word":"chat","start":127.365,"end":127.604996,"confidence":0.99316406,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":-0.017406441271305084},{"word":"now","start":127.604996,"end":128.105,"confidence":0.95874023,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.021313516423106194},{"word":"remind","start":129.36499,"end":129.765,"confidence":0.89501953,"punctuated_word":"Remind","sentiment":"neutral","sentiment_score":-0.037610169500112534},{"word":"me","start":129.765,"end":130.005,"confidence":0.99121094,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.04122461751103401},{"word":"what","start":130.005,"end":130.505,"confidence":0.921875,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.05567418038845062},{"word":"what","start":130.885,"end":131.36499,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.07420539855957031},{"word":"triggers","start":131.36499,"end":131.86499,"confidence":0.9970703,"punctuated_word":"triggers","sentiment":"neutral","sentiment_score":-0.0780138149857521},{"word":"income","start":133.09,"end":133.49,"confidence":0.99121094,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.15275147557258606},{"word":"protection","start":133.49,"end":133.97,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.0730627030134201},{"word":"that","start":133.97,"end":134.13,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07628379762172699},{"word":"wouldn't","start":134.13,"end":134.45,"confidence":1.0,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.10485609620809556},{"word":"have","start":134.45,"end":134.61,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.13880367577075958},{"word":"triggered","start":134.61,"end":135.11,"confidence":0.8886719,"punctuated_word":"triggered,","sentiment":"neutral","sentiment_score":-0.11422546207904816},{"word":"like","start":135.41,"end":135.81,"confidence":0.9921875,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.14473487436771393},{"word":"tpd","start":135.81,"end":136.31,"confidence":0.97802734,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":-0.12392129004001616},{"word":"or","start":136.53,"end":136.77,"confidence":0.96777344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.16827687621116638},{"word":"or","start":136.77,"end":136.93001,"confidence":0.51660156,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.16452758014202118},{"word":"trauma","start":136.93001,"end":137.43001,"confidence":0.9970703,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.16511069238185885},{"word":"or","start":137.49,"end":137.89,"confidence":0.9838867,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0977523997426033},{"word":"things","start":137.89,"end":138.21,"confidence":0.99609375,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.14575979113578796},{"word":"like","start":138.21,"end":138.45,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.12082505971193314},{"word":"that","start":138.45,"end":138.85,"confidence":0.94555664,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.0909789428114891},{"word":"i'm","start":138.85,"end":139.09,"confidence":0.9951172,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.033323850482702255},{"word":"just","start":139.09,"end":139.25,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.018145868554711345},{"word":"wondering","start":139.25,"end":139.75,"confidence":1.0,"punctuated_word":"wondering","sentiment":"neutral","sentiment_score":-0.02588580921292305},{"word":"if","start":141.25,"end":141.41,"confidence":0.9790039,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1118503361940384},{"word":"that","start":141.41,"end":141.65,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1264970898628235},{"word":"changes","start":141.65,"end":142.05,"confidence":0.9951172,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.23068645596504211},{"word":"the","start":142.05,"end":142.37,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14429885149002075},{"word":"if","start":142.37,"end":142.53,"confidence":0.9770508,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.17701376974582672},{"word":"that","start":142.53,"end":142.69,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2032383382320404},{"word":"changes","start":142.69,"end":143.17,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.2872983515262604},{"word":"the","start":143.17,"end":143.33,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.24676570296287537},{"word":"risk","start":143.33,"end":143.65,"confidence":0.9980469,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.23398901522159576},{"word":"profile","start":143.65,"end":144.05,"confidence":0.79711914,"punctuated_word":"profile.","sentiment":"neutral","sentiment_score":-0.2236899882555008},{"word":"because","start":144.05,"end":144.29001,"confidence":0.78930664,"punctuated_word":"Because,","sentiment":"neutral","sentiment_score":-0.1361142247915268},{"word":"i","start":144.29001,"end":144.37,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1476314663887024},{"word":"mean","start":144.37,"end":144.53,"confidence":0.9995117,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.16310280561447144},{"word":"if","start":144.53,"end":144.765,"confidence":0.9370117,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.16375330090522766},{"word":"in","start":145.165,"end":145.405,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.233462393283844},{"word":"theory","start":145.405,"end":145.805,"confidence":0.9880371,"punctuated_word":"theory,","sentiment":"neutral","sentiment_score":-0.2108483612537384},{"word":"if","start":145.805,"end":145.965,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.20805096626281736},{"word":"i","start":145.965,"end":146.125,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2855432629585266},{"word":"can't","start":146.125,"end":146.365,"confidence":1.0,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.2835145592689514},{"word":"work","start":146.365,"end":146.685,"confidence":1.0,"punctuated_word":"work","sentiment":"negative","sentiment_score":-0.35884803533554077},{"word":"because","start":146.685,"end":147.005,"confidence":0.984375,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.1846502423286438},{"word":"i've","start":147.005,"end":147.165,"confidence":0.9838867,"punctuated_word":"I've","sentiment":"negative","sentiment_score":-0.3440358638763428},{"word":"had","start":147.165,"end":147.485,"confidence":1.0,"punctuated_word":"had","sentiment":"negative","sentiment_score":-0.3843810260295868},{"word":"trauma","start":147.485,"end":147.885,"confidence":1.0,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.3320564925670624},{"word":"or","start":147.885,"end":148.385,"confidence":0.9951172,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.2725762724876404},{"word":"ppd","start":148.845,"end":149.325,"confidence":0.93896484,"punctuated_word":"PPD","sentiment":"neutral","sentiment_score":-0.25118908286094666},{"word":"and","start":149.325,"end":149.485,"confidence":0.82470703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.19016334414482117},{"word":"that's","start":149.485,"end":149.985,"confidence":0.9484863,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.25659552216529846},{"word":"stopped","start":150.365,"end":150.605,"confidence":0.87597656,"punctuated_word":"stopped","sentiment":"neutral","sentiment_score":-0.274813175201416},{"word":"my","start":150.605,"end":150.845,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.2779998481273651},{"word":"ability","start":150.845,"end":151.345,"confidence":1.0,"punctuated_word":"ability","sentiment":"neutral","sentiment_score":-0.24749217927455905},{"word":"to","start":151.405,"end":151.565,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2298523485660553},{"word":"work","start":151.565,"end":152.065,"confidence":0.93725586,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":-0.1528434455394745},{"word":"can","start":152.845,"end":153.165,"confidence":0.78466797,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.08171116560697556},{"word":"i","start":153.165,"end":153.665,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09430985897779463},{"word":"trigger","start":154.045,"end":154.525,"confidence":1.0,"punctuated_word":"trigger","sentiment":"neutral","sentiment_score":-0.05912540480494499},{"word":"those","start":154.525,"end":154.765,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.09795290976762772},{"word":"other","start":154.765,"end":154.925,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.13613666594028473},{"word":"causes","start":154.925,"end":155.425,"confidence":0.96875,"punctuated_word":"causes","sentiment":"neutral","sentiment_score":-0.10381143540143968},{"word":"first","start":155.485,"end":155.805,"confidence":0.74658203,"punctuated_word":"first,","sentiment":"neutral","sentiment_score":-0.05413602292537689},{"word":"and","start":155.805,"end":155.965,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.028877779841423035},{"word":"then","start":155.965,"end":156.205,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.031827233731746674},{"word":"that","start":156.205,"end":156.44499,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.021522708237171173},{"word":"gives","start":156.44499,"end":156.685,"confidence":1.0,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":-0.033272214233875275},{"word":"me","start":156.685,"end":156.925,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.053326286375522614},{"word":"the","start":156.925,"end":157.325,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0348406620323658},{"word":"time","start":157.325,"end":157.565,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.04673004895448685},{"word":"to","start":157.565,"end":157.725,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05505335330963135},{"word":"buy","start":157.725,"end":158.045,"confidence":0.99609375,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":-0.08728419989347458},{"word":"through","start":158.045,"end":158.49,"confidence":0.96240234,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.11105503141880035},{"word":"to","start":158.49,"end":158.65001,"confidence":0.7348633,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06879382580518723},{"word":"if","start":158.65001,"end":158.89,"confidence":0.7495117,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07403252273797989},{"word":"i","start":158.89,"end":158.97,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10841618478298189},{"word":"had","start":158.97,"end":159.13,"confidence":0.98535156,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.13733604550361633},{"word":"the","start":159.13,"end":159.29001,"confidence":0.95166016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12659892439842224},{"word":"longer","start":159.29001,"end":159.61,"confidence":0.99902344,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":-0.13471081852912903},{"word":"waiting","start":159.61,"end":160.11,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":-0.10240405797958374},{"word":"period","start":160.57,"end":161.05,"confidence":0.95458984,"punctuated_word":"period?","sentiment":"neutral","sentiment_score":-0.12172145396471024},{"word":"but","start":161.05,"end":161.37001,"confidence":0.6245117,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.025686491280794144},{"word":"just","start":161.37001,"end":161.61,"confidence":0.89208984,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.02794790454208851},{"word":"so","start":161.61,"end":161.69,"confidence":0.9819336,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.03497672826051712},{"word":"you","start":161.69,"end":161.77,"confidence":0.94189453,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03497040271759033},{"word":"know","start":161.77,"end":161.93001,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.05037062615156174},{"word":"where","start":161.93001,"end":162.17,"confidence":0.7705078,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.03886503726243973},{"word":"my","start":162.17,"end":162.67,"confidence":0.9951172,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.031826458871364594},{"word":"processing","start":163.93001,"end":164.43001,"confidence":0.7998047,"punctuated_word":"processing","sentiment":"neutral","sentiment_score":-0.016440102830529213},{"word":"was","start":164.49,"end":164.73001,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.08335103839635849},{"word":"going","start":164.73001,"end":165.13,"confidence":0.9206543,"punctuated_word":"going.","sentiment":"neutral","sentiment_score":-0.02851906232535839},{"word":"yeah","start":165.13,"end":165.63,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.042975351214408875},{"word":"yeah","start":174.575,"end":175.075,"confidence":0.9213867,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06533682346343994},{"word":"cool","start":186.255,"end":186.755,"confidence":0.78759766,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.07303589582443237},{"word":"okay","start":187.215,"end":187.53,"confidence":0.98339844,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.15211358666419983},{"word":"okay","start":200.49,"end":200.99,"confidence":0.9628906,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.08488122373819351},{"word":"yep","start":211.395,"end":211.895,"confidence":0.9921875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0168641097843647},{"word":"yeah","start":277.75,"end":277.99002,"confidence":0.8300781,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06305092573165894},{"word":"no","start":277.99002,"end":278.23,"confidence":0.95874023,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.25251027941703796},{"word":"that","start":278.23,"end":278.39,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.10134778916835784},{"word":"makes","start":278.39,"end":278.63,"confidence":0.98535156,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":-0.0708293467760086},{"word":"sense","start":278.63,"end":278.925,"confidence":0.99560547,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":-0.19611835479736328},{"word":"so","start":279.00497,"end":279.085,"confidence":0.67211914,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.09161078929901124},{"word":"i","start":279.085,"end":279.16498,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02373307943344116},{"word":"mean","start":279.16498,"end":279.32498,"confidence":0.9995117,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.035751450806856155},{"word":"if","start":279.32498,"end":279.485,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1138288676738739},{"word":"i","start":279.485,"end":279.645,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18166567385196689},{"word":"left","start":279.645,"end":279.965,"confidence":0.96240234,"punctuated_word":"left","sentiment":"neutral","sentiment_score":-0.21740946173667908},{"word":"it","start":279.965,"end":280.04498,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1887178421020508},{"word":"where","start":280.04498,"end":280.365,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.21898725628852844},{"word":"i","start":280.365,"end":280.44498,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19864121079444885},{"word":"am","start":280.44498,"end":280.685,"confidence":1.0,"punctuated_word":"am","sentiment":"neutral","sentiment_score":-0.1959938406944275},{"word":"right","start":280.685,"end":280.845,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.20344986021518707},{"word":"now","start":280.845,"end":281.32498,"confidence":0.99560547,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.1672830432653427},{"word":"it'd","start":281.32498,"end":281.645,"confidence":0.80810547,"punctuated_word":"it'd","sentiment":"neutral","sentiment_score":-0.15995429456233978},{"word":"be","start":281.645,"end":281.88498,"confidence":0.98535156,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1923913210630417},{"word":"me","start":281.88498,"end":282.125,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.13820086419582367},{"word":"trying","start":282.125,"end":282.525,"confidence":1.0,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.1952609419822693},{"word":"to","start":282.525,"end":283.025,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.18432357907295227},{"word":"if","start":283.565,"end":283.72498,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.17612183094024658},{"word":"that","start":283.72498,"end":284.125,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2069060057401657},{"word":"situation","start":284.125,"end":284.625,"confidence":0.99609375,"punctuated_word":"situation","sentiment":"neutral","sentiment_score":-0.2471352070569992},{"word":"that","start":285.00497,"end":285.245,"confidence":0.9589844,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2222716510295868},{"word":"would","start":285.245,"end":285.405,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.2589229941368103},{"word":"occur","start":285.405,"end":285.645,"confidence":0.99902344,"punctuated_word":"occur","sentiment":"neutral","sentiment_score":-0.2170894742012024},{"word":"that","start":285.645,"end":285.805,"confidence":0.5761719,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13082757592201233},{"word":"wouldn't","start":285.805,"end":286.125,"confidence":0.9980469,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.1756436824798584},{"word":"normally","start":286.125,"end":286.625,"confidence":0.99902344,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":-0.15453723073005676},{"word":"trigger","start":286.76498,"end":287.16498,"confidence":0.99609375,"punctuated_word":"trigger","sentiment":"neutral","sentiment_score":-0.12191690504550934},{"word":"those","start":287.16498,"end":287.66498,"confidence":0.9172363,"punctuated_word":"those,","sentiment":"neutral","sentiment_score":-0.2506544589996338},{"word":"i","start":288.525,"end":288.685,"confidence":0.9790039,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2631078064441681},{"word":"guess","start":288.685,"end":288.925,"confidence":0.99902344,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.2614099383354187},{"word":"i'd","start":288.925,"end":289.085,"confidence":0.8552246,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.2939359247684479},{"word":"be","start":289.085,"end":289.32498,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2606356143951416},{"word":"down","start":289.32498,"end":289.645,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.2134032845497131},{"word":"to","start":289.645,"end":290.145,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3008117377758026},{"word":"what","start":290.60498,"end":290.845,"confidence":0.9941406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.26809579133987427},{"word":"other","start":290.845,"end":291.16498,"confidence":0.9921875,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.28889569640159607},{"word":"options","start":291.16498,"end":291.565,"confidence":0.99902344,"punctuated_word":"options","sentiment":"neutral","sentiment_score":-0.24022218585014343},{"word":"i'd","start":291.565,"end":291.72498,"confidence":0.88256836,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.2617841362953186},{"word":"have","start":291.72498,"end":291.88498,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.23159414529800415},{"word":"to","start":291.88498,"end":292.04498,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.20861849188804624},{"word":"do","start":292.04498,"end":292.28497,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.26726698875427246},{"word":"to","start":292.28497,"end":292.365,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.24500149488449097},{"word":"cover","start":292.365,"end":292.8,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.2361697554588318},{"word":"expenses","start":293.75998,"end":294.25998,"confidence":0.99902344,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":-0.1880909502506256},{"word":"in","start":294.31998,"end":294.4,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.24286949634552},{"word":"the","start":294.4,"end":294.56,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2969738841056824},{"word":"meantime","start":294.56,"end":295.06,"confidence":0.9921875,"punctuated_word":"meantime","sentiment":"neutral","sentiment_score":-0.24364781379699707},{"word":"and","start":295.75998,"end":295.91998,"confidence":0.7089844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1944800466299057},{"word":"whether","start":295.91998,"end":296.31998,"confidence":0.99902344,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.1614304482936859},{"word":"i","start":296.31998,"end":296.47998,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2016824185848236},{"word":"can","start":296.47998,"end":296.97998,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.20587536692619324},{"word":"hope","start":297.36,"end":297.68,"confidence":0.9550781,"punctuated_word":"hope","sentiment":"neutral","sentiment_score":-0.21119070053100583},{"word":"hope","start":297.68,"end":298.0,"confidence":0.9135742,"punctuated_word":"hope","sentiment":"neutral","sentiment_score":-0.14823761582374573},{"word":"and","start":298.0,"end":298.5,"confidence":0.9819336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1918423622846603},{"word":"bid","start":298.87997,"end":299.19998,"confidence":0.87841797,"punctuated_word":"bid","sentiment":"neutral","sentiment_score":-0.09989461302757265},{"word":"my","start":299.19998,"end":299.36,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.21032607555389404},{"word":"luck","start":299.36,"end":299.59998,"confidence":0.97998047,"punctuated_word":"luck","sentiment":"neutral","sentiment_score":-0.08012822270393372},{"word":"on","start":299.59998,"end":299.91998,"confidence":0.9038086,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":-0.08440829813480377},{"word":"like","start":299.91998,"end":300.24,"confidence":0.98706055,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.1857711672782898},{"word":"hardship","start":300.24,"end":300.74,"confidence":1.0,"punctuated_word":"hardship","sentiment":"neutral","sentiment_score":-0.17077986896038055},{"word":"permissions","start":301.52,"end":302.02,"confidence":0.5473633,"punctuated_word":"permissions","sentiment":"neutral","sentiment_score":-0.17029452323913574},{"word":"while","start":302.08,"end":302.31998,"confidence":0.9892578,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.21794423460960388},{"word":"i","start":302.31998,"end":302.4,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2921346127986908},{"word":"wait","start":302.4,"end":302.56,"confidence":0.99121094,"punctuated_word":"wait","sentiment":"negative","sentiment_score":-0.351444810628891},{"word":"for","start":302.56,"end":302.72,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.32857441902160645},{"word":"that","start":302.72,"end":302.87997,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.31125080585479736},{"word":"stuff","start":302.87997,"end":303.12,"confidence":1.0,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":-0.29165685176849365},{"word":"to","start":303.12,"end":303.19998,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.33731603622436523},{"word":"kick","start":303.19998,"end":303.44,"confidence":0.9980469,"punctuated_word":"kick","sentiment":"neutral","sentiment_score":-0.1845297813415527},{"word":"in","start":303.44,"end":303.59998,"confidence":0.90063477,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":-0.22499892115592957},{"word":"i","start":303.59998,"end":303.68,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2705336809158325},{"word":"guess","start":303.68,"end":303.91998,"confidence":0.9440918,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":-0.296353816986084},{"word":"would","start":303.91998,"end":304.08,"confidence":0.9892578,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.31452643871307373},{"word":"be","start":304.08,"end":304.24,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.3214500844478607},{"word":"my","start":304.24,"end":304.31998,"confidence":0.99902344,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.4039638042449951},{"word":"only","start":304.31998,"end":304.56,"confidence":0.99902344,"punctuated_word":"only","sentiment":"negative","sentiment_score":-0.3876514434814453},{"word":"option","start":304.56,"end":304.96,"confidence":0.80615234,"punctuated_word":"option.","sentiment":"neutral","sentiment_score":-0.22046250104904175},{"word":"there's","start":304.96,"end":305.28,"confidence":0.8400879,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.2873585522174835},{"word":"there's","start":305.28,"end":305.44,"confidence":0.7504883,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.322582483291626},{"word":"no","start":305.44,"end":305.68,"confidence":0.9941406,"punctuated_word":"no","sentiment":"negative","sentiment_score":-0.3593277633190155},{"word":"guarantee","start":305.68,"end":306.18,"confidence":0.99902344,"punctuated_word":"guarantee","sentiment":"negative","sentiment_score":-0.3967633545398712},{"word":"that","start":306.24,"end":306.4,"confidence":0.9980469,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.35080212354660034},{"word":"that","start":306.4,"end":306.9,"confidence":0.9716797,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.3243885040283203},{"word":"would","start":306.96,"end":307.12,"confidence":0.9892578,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.33651599287986755},{"word":"be","start":307.12,"end":307.44,"confidence":0.984375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.30044057965278625},{"word":"would","start":309.055,"end":309.215,"confidence":0.78808594,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.12670430541038513},{"word":"work","start":309.215,"end":309.615,"confidence":0.984375,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.16617807745933533},{"word":"either","start":309.615,"end":309.855,"confidence":0.9616699,"punctuated_word":"either.","sentiment":"neutral","sentiment_score":-0.2587519884109497},{"word":"right","start":309.855,"end":310.095,"confidence":0.9916992,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":-0.20791926980018616},{"word":"so","start":310.095,"end":310.255,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.32229724526405334},{"word":"i","start":310.255,"end":310.335,"confidence":0.90478516,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3776298761367798},{"word":"guess","start":310.335,"end":310.495,"confidence":1.0,"punctuated_word":"guess","sentiment":"negative","sentiment_score":-0.4019600749015808},{"word":"that's","start":310.495,"end":310.735,"confidence":0.9875488,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.4934893846511841},{"word":"a","start":310.735,"end":310.895,"confidence":0.984375,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5615699291229248},{"word":"risk","start":310.895,"end":311.135,"confidence":0.99316406,"punctuated_word":"risk","sentiment":"negative","sentiment_score":-0.5392078757286072},{"word":"position","start":311.135,"end":311.535,"confidence":0.98828125,"punctuated_word":"position","sentiment":"negative","sentiment_score":-0.6245267987251282},{"word":"that","start":311.535,"end":311.775,"confidence":0.99902344,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.5094350576400757},{"word":"i'd","start":311.775,"end":312.095,"confidence":0.9111328,"punctuated_word":"I'd","sentiment":"negative","sentiment_score":-0.5963658094406128},{"word":"have","start":312.095,"end":312.335,"confidence":1.0,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.5842761397361755},{"word":"to","start":312.335,"end":312.415,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.60114985704422},{"word":"take","start":312.415,"end":312.735,"confidence":1.0,"punctuated_word":"take","sentiment":"negative","sentiment_score":-0.6126433610916138},{"word":"if","start":312.735,"end":312.895,"confidence":0.9892578,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.5455529093742371},{"word":"i","start":312.895,"end":313.055,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.4665427803993225},{"word":"don't","start":313.055,"end":313.455,"confidence":1.0,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.4848819375038147},{"word":"change","start":313.455,"end":313.695,"confidence":0.9921875,"punctuated_word":"change","sentiment":"negative","sentiment_score":-0.584429144859314},{"word":"that","start":313.695,"end":314.195,"confidence":0.99902344,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4196445345878601},{"word":"waiting","start":314.815,"end":315.135,"confidence":0.93847656,"punctuated_word":"waiting","sentiment":"negative","sentiment_score":-0.4901297390460968},{"word":"period","start":315.135,"end":315.535,"confidence":0.99902344,"punctuated_word":"period","sentiment":"neutral","sentiment_score":-0.1834745407104492},{"word":"for","start":315.535,"end":315.775,"confidence":0.88671875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.19137871265411377},{"word":"now","start":315.775,"end":316.275,"confidence":0.9951172,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.14951519668102264},{"word":"yep","start":333.71002,"end":333.885,"confidence":0.8244629,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.10324808955192566},{"word":"yeah","start":347.405,"end":347.67,"confidence":0.78564453,"punctuated_word":"Yeah.","sentiment":"negative","sentiment_score":-0.35765641927719116},{"word":"that's","start":366.405,"end":366.565,"confidence":0.7019043,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.23838919401168823},{"word":"where","start":366.565,"end":366.805,"confidence":0.96240234,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.2697080373764038},{"word":"it","start":366.805,"end":366.885,"confidence":0.88183594,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.4319277107715606},{"word":"triggers","start":366.885,"end":367.285,"confidence":0.9980469,"punctuated_word":"triggers","sentiment":"negative","sentiment_score":-0.4225530624389648},{"word":"all","start":367.285,"end":367.445,"confidence":0.99902344,"punctuated_word":"all","sentiment":"negative","sentiment_score":-0.40703073143959045},{"word":"the","start":367.445,"end":367.525,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3872240483760834},{"word":"extra","start":367.525,"end":367.845,"confidence":1.0,"punctuated_word":"extra","sentiment":"negative","sentiment_score":-0.45963603258132935},{"word":"things","start":367.845,"end":368.085,"confidence":0.99902344,"punctuated_word":"things","sentiment":"negative","sentiment_score":-0.3673863410949707},{"word":"if","start":368.085,"end":368.245,"confidence":0.9589844,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.4271617531776428},{"word":"i'm","start":368.245,"end":368.405,"confidence":1.0,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.40403318405151367},{"word":"not","start":368.405,"end":368.565,"confidence":0.9941406,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.4198136329650879},{"word":"back","start":368.565,"end":368.805,"confidence":0.7270508,"punctuated_word":"back","sentiment":"negative","sentiment_score":-0.34496888518333435},{"word":"by","start":368.805,"end":368.965,"confidence":0.98828125,"punctuated_word":"by","sentiment":"negative","sentiment_score":-0.3665845990180969},{"word":"then","start":368.965,"end":369.205,"confidence":0.9272461,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":-0.3071228265762329},{"word":"right","start":369.205,"end":369.705,"confidence":0.98168945,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":-0.07852458953857422},{"word":"so","start":369.925,"end":370.425,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06276916712522507},{"word":"so","start":371.685,"end":372.185,"confidence":0.93408203,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.016039900481700897},{"word":"and","start":372.405,"end":372.725,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0360301285982132},{"word":"i","start":372.725,"end":373.02,"confidence":0.90625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10907966643571854},{"word":"i","start":373.09998,"end":373.18,"confidence":0.9716797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16048559546470642},{"word":"don't","start":373.18,"end":373.41998,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.12974825501441956},{"word":"want","start":373.41998,"end":373.46,"confidence":0.5078125,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.2171928584575653},{"word":"to","start":373.46,"end":373.5,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2141808569431305},{"word":"cause","start":373.5,"end":373.74,"confidence":0.99121094,"punctuated_word":"cause","sentiment":"neutral","sentiment_score":-0.30470946431159973},{"word":"more","start":373.74,"end":373.97998,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.3219601511955261},{"word":"work","start":373.97998,"end":374.22,"confidence":0.99902344,"punctuated_word":"work","sentiment":"negative","sentiment_score":-0.3348400294780731},{"word":"for","start":374.22,"end":374.3,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1798493266105652},{"word":"you","start":374.3,"end":374.46,"confidence":0.8798828,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.13201312720775604},{"word":"but","start":374.46,"end":374.62,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.08078260719776154},{"word":"i'm","start":374.62,"end":374.78,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.10124222934246065},{"word":"just","start":374.78,"end":374.94,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07717569917440414},{"word":"thinking","start":374.94,"end":375.25998,"confidence":0.82470703,"punctuated_word":"thinking,","sentiment":"neutral","sentiment_score":-0.05331391096115112},{"word":"do","start":375.25998,"end":375.5,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.20469143986701965},{"word":"we","start":375.5,"end":375.97998,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1635538637638092},{"word":"do","start":375.97998,"end":376.22,"confidence":0.9770508,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.16998644173145294},{"word":"we","start":376.22,"end":376.46,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.15551519393920898},{"word":"seek","start":376.46,"end":376.78,"confidence":0.94921875,"punctuated_word":"seek","sentiment":"neutral","sentiment_score":-0.160472571849823},{"word":"that","start":376.78,"end":376.94,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1322275847196579},{"word":"other","start":376.94,"end":377.18,"confidence":0.9980469,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.08588611334562302},{"word":"one","start":377.18,"end":377.68,"confidence":0.7561035,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":-0.05527863651514053},{"word":"that","start":377.74,"end":377.9,"confidence":0.86279297,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04771384224295616},{"word":"that","start":377.9,"end":377.97998,"confidence":0.78759766,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03921905905008316},{"word":"alternate","start":377.97998,"end":378.47998,"confidence":0.97314453,"punctuated_word":"alternate","sentiment":"neutral","sentiment_score":-0.07561029493808746},{"word":"quote","start":378.53998,"end":378.86,"confidence":0.99902344,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":-0.042786192148923874},{"word":"that","start":378.86,"end":379.02,"confidence":0.85253906,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06279659271240234},{"word":"would","start":379.02,"end":379.25998,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.0755842924118042},{"word":"be","start":379.25998,"end":379.5,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07296883314847946},{"word":"to","start":379.5,"end":379.74,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05497894063591957},{"word":"the","start":379.74,"end":379.9,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05243350565433502},{"word":"two","start":379.9,"end":380.13998,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.06637144088745117},{"word":"years","start":380.13998,"end":380.63998,"confidence":0.9970703,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.04832202568650246},{"word":"maybe","start":381.25998,"end":381.75998,"confidence":0.59313965,"punctuated_word":"maybe?","sentiment":"neutral","sentiment_score":0.022082049399614338},{"word":"and","start":382.22,"end":382.72,"confidence":0.9760742,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.005973853170871735},{"word":"i'm","start":383.34,"end":383.58,"confidence":0.9941406,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.026873013004660606},{"word":"just","start":383.58,"end":384.08,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03843175619840622},{"word":"yeah","start":384.37997,"end":384.62,"confidence":0.9875488,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.022991925477981567},{"word":"and","start":384.62,"end":385.12,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.04291613772511482},{"word":"i","start":386.085,"end":386.245,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05778646096587181},{"word":"know","start":386.245,"end":386.485,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.07254001498222351},{"word":"that","start":386.485,"end":386.645,"confidence":0.8613281,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07764522731304169},{"word":"premiums","start":386.645,"end":387.045,"confidence":0.9980469,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":-0.0943785235285759},{"word":"are","start":387.045,"end":387.205,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.10693332552909852},{"word":"going","start":387.205,"end":387.445,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.09938308596611024},{"word":"up","start":387.445,"end":387.685,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.0780622661113739},{"word":"right","start":387.685,"end":388.005,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.09009949862957},{"word":"now","start":388.005,"end":388.505,"confidence":0.9785156,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.08728819340467453},{"word":"i'm","start":388.565,"end":388.725,"confidence":0.95458984,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.05453955754637718},{"word":"just","start":388.725,"end":388.845,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0401797890663147},{"word":"the","start":388.965,"end":389.125,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03620435297489166},{"word":"other","start":389.125,"end":389.445,"confidence":0.99316406,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.039965081959962845},{"word":"the","start":389.445,"end":389.685,"confidence":0.8676758,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03146430850028992},{"word":"other","start":389.685,"end":389.845,"confidence":0.9980469,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.08334405720233917},{"word":"part","start":389.845,"end":390.085,"confidence":0.9980469,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.04742197319865227},{"word":"that's","start":390.085,"end":390.245,"confidence":0.7614746,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.07071441411972046},{"word":"playing","start":390.245,"end":390.485,"confidence":0.9604492,"punctuated_word":"playing","sentiment":"neutral","sentiment_score":-0.09850534796714784},{"word":"through","start":390.485,"end":390.725,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.07577725499868393},{"word":"my","start":390.725,"end":390.885,"confidence":0.9941406,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.08653576672077179},{"word":"mind","start":390.885,"end":391.205,"confidence":1.0,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":-0.07447945326566696},{"word":"is","start":391.205,"end":391.285,"confidence":0.9873047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09190995991230012},{"word":"that","start":391.285,"end":391.785,"confidence":0.9526367,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09329381585121156},{"word":"this","start":393.045,"end":393.365,"confidence":0.9658203,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.13219144940376282},{"word":"would","start":393.365,"end":393.605,"confidence":0.9970703,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.15777190029621124},{"word":"see","start":393.605,"end":393.765,"confidence":0.9448242,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.1126769408583641},{"word":"an","start":393.765,"end":394.005,"confidence":0.9941406,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.11806479841470718},{"word":"increase","start":394.005,"end":394.325,"confidence":0.99316406,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":-0.1085418164730072},{"word":"in","start":394.325,"end":394.405,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1139124408364296},{"word":"that","start":394.405,"end":394.645,"confidence":0.9892578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11476575583219528},{"word":"premium","start":394.645,"end":395.045,"confidence":1.0,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":-0.14849479496479034},{"word":"again","start":395.045,"end":395.365,"confidence":0.8535156,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":-0.12213485687971117},{"word":"but","start":395.365,"end":395.605,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.114779531955719},{"word":"if","start":395.605,"end":395.765,"confidence":0.97314453,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.14291566610336304},{"word":"it's","start":395.765,"end":395.925,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.16412009298801422},{"word":"gonna","start":395.925,"end":396.245,"confidence":0.8051758,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.2034105360507965},{"word":"keep","start":396.245,"end":396.485,"confidence":0.9980469,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.201631560921669},{"word":"increasing","start":396.485,"end":396.985,"confidence":0.99902344,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":-0.14935316145420074},{"word":"each","start":397.845,"end":398.345,"confidence":0.9980469,"punctuated_word":"each","sentiment":"neutral","sentiment_score":-0.15020346641540527},{"word":"year","start":398.885,"end":399.365,"confidence":0.9489746,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.09215669333934784},{"word":"like","start":399.365,"end":399.84,"confidence":0.95751953,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.07974044978618622},{"word":"what","start":400.0,"end":400.08002,"confidence":0.91503906,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.08376748114824295},{"word":"does","start":400.16,"end":400.24,"confidence":0.9892578,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.09263715147972108},{"word":"it","start":400.24,"end":400.32,"confidence":0.8144531,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06847640126943588},{"word":"does","start":400.32,"end":400.63998,"confidence":0.8461914,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.09347356855869292},{"word":"it","start":400.63998,"end":400.72,"confidence":0.9760742,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0936903953552246},{"word":"have","start":400.72,"end":400.88,"confidence":0.9892578,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.11051398515701294},{"word":"a","start":400.88,"end":400.96,"confidence":0.92822266,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09987373650074004},{"word":"max","start":400.96,"end":401.36,"confidence":0.9980469,"punctuated_word":"max","sentiment":"neutral","sentiment_score":-0.08869226276874542},{"word":"cap","start":401.36,"end":401.6,"confidence":0.6484375,"punctuated_word":"cap","sentiment":"neutral","sentiment_score":-0.08905305713415146},{"word":"out","start":401.6,"end":401.84,"confidence":0.9086914,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.06488293409347534},{"word":"that","start":401.84,"end":402.0,"confidence":0.9003906,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08911348879337311},{"word":"that","start":402.0,"end":402.16,"confidence":0.9550781,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1037987768650055},{"word":"premium","start":402.16,"end":402.56,"confidence":0.9980469,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":-0.11639682203531264},{"word":"would","start":402.56,"end":403.06,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.10976806282997131},{"word":"reach","start":403.19998,"end":403.6,"confidence":0.9941406,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":-0.08497272431850433},{"word":"per","start":403.6,"end":403.84,"confidence":0.99902344,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.09757909923791884},{"word":"month","start":403.84,"end":404.32,"confidence":0.8925781,"punctuated_word":"month?","sentiment":"neutral","sentiment_score":-0.12243543565273284},{"word":"because","start":404.32,"end":404.82,"confidence":0.99609375,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.16847065091133118},{"word":"yeah","start":405.68,"end":406.18,"confidence":0.9838867,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.2049899697303772},{"word":"yeah","start":441.24503,"end":441.48502,"confidence":0.94384766,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07889145612716675},{"word":"no","start":441.48502,"end":441.64502,"confidence":0.98168945,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.24627171456813812},{"word":"no","start":441.64502,"end":441.80502,"confidence":0.99560547,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2314164638519287},{"word":"no","start":441.80502,"end":441.96503,"confidence":0.8833008,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2446948289871216},{"word":"that's","start":441.96503,"end":442.46503,"confidence":0.97143555,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.3023252487182617},{"word":"no","start":444.36502,"end":444.605,"confidence":0.9489746,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.18063141405582428},{"word":"that's","start":444.605,"end":444.845,"confidence":0.9970703,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.13809336721897125},{"word":"alright","start":444.845,"end":445.345,"confidence":0.99560547,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.07466655224561691},{"word":"yeah","start":453.97,"end":454.21,"confidence":0.9921875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.022411711513996124},{"word":"no","start":454.21,"end":454.29,"confidence":0.9645996,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05184970423579216},{"word":"that's","start":454.29,"end":454.61,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07999908179044724},{"word":"fine","start":454.61,"end":454.85,"confidence":0.8671875,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.017435044050216675},{"word":"because","start":454.85,"end":455.35,"confidence":0.9453125,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.009879536926746368},{"word":"the","start":455.73,"end":455.81,"confidence":0.75390625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007399164140224457},{"word":"way","start":455.81,"end":456.13,"confidence":0.67529297,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.02563807368278503},{"word":"i","start":456.13,"end":456.21,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.015230447053909302},{"word":"look","start":456.21,"end":456.37,"confidence":0.97802734,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.02386799454689026},{"word":"at","start":456.37,"end":456.45,"confidence":0.9838867,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.04119579493999481},{"word":"it","start":456.45,"end":456.53,"confidence":0.7607422,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04551410675048828},{"word":"at","start":456.53,"end":456.61,"confidence":0.63720703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0654774010181427},{"word":"the","start":456.61,"end":456.69,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.039274781942367554},{"word":"moment","start":456.69,"end":457.19,"confidence":0.8510742,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.0328429713845253},{"word":"i","start":457.25,"end":457.41,"confidence":0.984375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04069165140390396},{"word":"look","start":457.41,"end":457.53,"confidence":0.9633789,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.04625731706619263},{"word":"at","start":457.53,"end":457.65,"confidence":0.9707031,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0725143700838089},{"word":"my","start":457.65,"end":457.88998,"confidence":0.96240234,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.0733904093503952},{"word":"insurances","start":457.88998,"end":458.38998,"confidence":0.82666016,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":-0.068708136677742},{"word":"and","start":458.61,"end":458.77,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03874342888593674},{"word":"i","start":458.77,"end":458.85,"confidence":0.65966797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.050482042133808136},{"word":"mean","start":458.85,"end":459.01,"confidence":0.89331055,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.03311097249388695},{"word":"it's","start":459.01,"end":459.41,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.016337014734745026},{"word":"it's","start":459.41,"end":459.57,"confidence":0.94140625,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.022866755723953247},{"word":"all","start":459.57,"end":459.81,"confidence":0.9951172,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.0015014857053756714},{"word":"for","start":459.81,"end":459.97,"confidence":0.8925781,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.01665322482585907},{"word":"valid","start":459.97,"end":460.21,"confidence":1.0,"punctuated_word":"valid","sentiment":"neutral","sentiment_score":-0.0012478083372116089},{"word":"reasons","start":460.21,"end":460.61,"confidence":0.8322754,"punctuated_word":"reasons.","sentiment":"neutral","sentiment_score":-0.03805452585220337},{"word":"but","start":460.61,"end":460.77,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.06460686028003693},{"word":"at","start":460.77,"end":460.93,"confidence":0.9902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.13231423497200012},{"word":"the","start":460.93,"end":461.01,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08220529556274414},{"word":"same","start":461.01,"end":461.33,"confidence":0.9951172,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.05723975598812103},{"word":"time","start":461.33,"end":461.83,"confidence":0.99121094,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.07244314253330231},{"word":"these","start":462.69,"end":463.01,"confidence":0.9951172,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.13430863618850708},{"word":"insurances","start":463.01,"end":463.49,"confidence":0.9995117,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.16805922985076904},{"word":"are","start":463.49,"end":463.65,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.1519482433795929},{"word":"the","start":463.65,"end":463.81,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1497298926115036},{"word":"ones","start":463.81,"end":464.05,"confidence":0.99902344,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":-0.1992904245853424},{"word":"that","start":464.05,"end":464.29,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1406514048576355},{"word":"are","start":464.29,"end":464.45,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.19697748124599457},{"word":"probably","start":464.45,"end":464.95,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.19941118359565735},{"word":"eating","start":465.33,"end":465.65,"confidence":0.99121094,"punctuated_word":"eating","sentiment":"neutral","sentiment_score":-0.18815182149410248},{"word":"the","start":465.65,"end":465.81,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21868783235549927},{"word":"most","start":465.81,"end":466.13,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.16525790095329285},{"word":"out","start":466.13,"end":466.53,"confidence":0.98291016,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.20832471549510956},{"word":"monthly","start":466.53,"end":467.01,"confidence":0.9501953,"punctuated_word":"monthly.","sentiment":"neutral","sentiment_score":-0.17802199721336365},{"word":"and","start":467.01,"end":467.13,"confidence":0.9526367,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.07502959668636322},{"word":"i","start":467.13,"end":467.25,"confidence":0.7519531,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09066116064786912},{"word":"mean","start":467.25,"end":467.41,"confidence":0.98291016,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.075827457010746},{"word":"there's","start":467.41,"end":467.65,"confidence":0.9926758,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.06715409457683563},{"word":"good","start":467.65,"end":467.81,"confidence":0.9658203,"punctuated_word":"good","sentiment":"neutral","sentiment_score":-0.027720242738723755},{"word":"reason","start":467.81,"end":468.13,"confidence":0.9819336,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.06288549304008484},{"word":"for","start":468.13,"end":468.29,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.08477762341499329},{"word":"that","start":468.29,"end":468.37,"confidence":0.77124023,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.09636697173118591},{"word":"but","start":468.37,"end":468.53,"confidence":0.96972656,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.09294034540653227},{"word":"at","start":468.53,"end":468.795,"confidence":0.80126953,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1673054397106171},{"word":"the","start":468.795,"end":469.035,"confidence":0.9741211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11653970927000046},{"word":"same","start":469.035,"end":469.27502,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.10011090338230132},{"word":"time","start":469.27502,"end":469.77502,"confidence":0.93237305,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.12225703150033952},{"word":"it","start":471.035,"end":471.355,"confidence":0.99609375,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.3633759617805481},{"word":"it","start":471.355,"end":471.83502,"confidence":0.8984375,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.4624841809272766},{"word":"it","start":471.83502,"end":471.99503,"confidence":0.9707031,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.31158486008644104},{"word":"it","start":471.99503,"end":472.075,"confidence":0.64746094,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.40942853689193726},{"word":"still","start":472.075,"end":472.475,"confidence":0.95947266,"punctuated_word":"still","sentiment":"negative","sentiment_score":-0.42879992723464966},{"word":"sucks","start":472.475,"end":472.795,"confidence":0.6826172,"punctuated_word":"sucks","sentiment":"negative","sentiment_score":-0.5241256952285767},{"word":"out","start":472.795,"end":472.875,"confidence":0.91259766,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.554557204246521},{"word":"a","start":472.875,"end":473.035,"confidence":0.9951172,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.6043787002563477},{"word":"bunch","start":473.035,"end":473.27502,"confidence":1.0,"punctuated_word":"bunch","sentiment":"negative","sentiment_score":-0.5993680357933044},{"word":"of","start":473.27502,"end":473.355,"confidence":0.99316406,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5892345905303955},{"word":"cash","start":473.355,"end":473.595,"confidence":0.9970703,"punctuated_word":"cash","sentiment":"negative","sentiment_score":-0.5685848593711853},{"word":"flow","start":473.595,"end":474.095,"confidence":0.85595703,"punctuated_word":"flow","sentiment":"negative","sentiment_score":-0.4917334318161011},{"word":"at","start":474.795,"end":474.875,"confidence":0.9448242,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.025479327887296677},{"word":"the","start":474.875,"end":475.035,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.019621632993221283},{"word":"moment","start":475.035,"end":475.535,"confidence":0.9995117,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.04007456451654434},{"word":"well","start":478.875,"end":479.035,"confidence":0.7902832,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.01597469300031662},{"word":"look","start":479.035,"end":479.355,"confidence":0.7097168,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":-0.03015201725065708},{"word":"this","start":479.355,"end":479.855,"confidence":0.39208984,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.04030468314886093},{"word":"i'll","start":480.555,"end":480.795,"confidence":0.83862305,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.03068385273218155},{"word":"i'll","start":480.795,"end":481.27502,"confidence":0.97265625,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.001628336845897138},{"word":"be","start":481.27502,"end":481.355,"confidence":0.3815918,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.027615945786237717},{"word":"going","start":481.355,"end":481.595,"confidence":0.8491211,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.023000873625278473},{"word":"back","start":481.595,"end":481.755,"confidence":0.9980469,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.0127839595079422},{"word":"to","start":481.755,"end":481.915,"confidence":0.7426758,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.018957652151584625},{"word":"my","start":481.915,"end":482.075,"confidence":0.9970703,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.008217081427574158},{"word":"budget","start":482.075,"end":482.39502,"confidence":0.9980469,"punctuated_word":"budget","sentiment":"neutral","sentiment_score":-0.019719518721103668},{"word":"last","start":482.39502,"end":482.635,"confidence":0.99316406,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.03783402591943741},{"word":"night","start":482.635,"end":482.795,"confidence":0.890625,"punctuated_word":"night.","sentiment":"neutral","sentiment_score":-0.013731716200709345},{"word":"i'm","start":482.795,"end":482.95502,"confidence":0.9680176,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.00907318200916052},{"word":"like","start":482.95502,"end":483.195,"confidence":0.9350586,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.024610610678792},{"word":"oh","start":483.195,"end":483.27502,"confidence":0.9440918,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.04190018028020859},{"word":"finally","start":483.27502,"end":483.67502,"confidence":0.4979248,"punctuated_word":"finally,","sentiment":"neutral","sentiment_score":0.022014109417796135},{"word":"they'd","start":483.67502,"end":483.93,"confidence":0.7680664,"punctuated_word":"they'd","sentiment":"neutral","sentiment_score":0.03102969005703926},{"word":"finished","start":483.93,"end":484.16998,"confidence":0.8125,"punctuated_word":"finished","sentiment":"neutral","sentiment_score":0.036465950310230255},{"word":"their","start":484.16998,"end":484.41,"confidence":0.9873047,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.020598292350769043},{"word":"final","start":484.41,"end":484.88998,"confidence":0.99316406,"punctuated_word":"final","sentiment":"neutral","sentiment_score":-0.00038088858127593994},{"word":"swimming","start":484.88998,"end":485.37,"confidence":0.9970703,"punctuated_word":"swimming","sentiment":"neutral","sentiment_score":0.02813567966222763},{"word":"lessons","start":485.37,"end":485.77,"confidence":0.9970703,"punctuated_word":"lessons","sentiment":"neutral","sentiment_score":-0.0030064135789871216},{"word":"and","start":485.77,"end":485.93,"confidence":0.5019531,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.047445863485336304},{"word":"then","start":485.93,"end":486.09,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.05488082021474838},{"word":"that","start":486.09,"end":486.25,"confidence":0.9580078,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06660659611225128},{"word":"would","start":486.25,"end":486.49,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.06077351793646813},{"word":"cover","start":486.49,"end":486.81,"confidence":0.9980469,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.059317395091056824},{"word":"it","start":486.81,"end":487.13,"confidence":0.7597656,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.01084495149552822},{"word":"right","start":487.13,"end":487.53,"confidence":0.71850586,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.032566316425800323},{"word":"like","start":487.53,"end":487.93,"confidence":0.89086914,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.01974083296954632},{"word":"the","start":487.93,"end":488.09,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.018602382391691208},{"word":"the","start":488.09,"end":488.25,"confidence":0.9448242,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.012568604201078417},{"word":"cost","start":488.25,"end":488.75,"confidence":0.8613281,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.02772371470928192},{"word":"for","start":489.05,"end":489.37,"confidence":0.4501953,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.004394590854644775},{"word":"last","start":489.37,"end":489.69,"confidence":0.82177734,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.02002095803618431},{"word":"two","start":489.69,"end":489.85,"confidence":0.84228516,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.014551252126693726},{"word":"in","start":489.85,"end":490.00998,"confidence":0.94970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.004484053701162338},{"word":"swimming","start":490.00998,"end":490.41,"confidence":0.99902344,"punctuated_word":"swimming","sentiment":"neutral","sentiment_score":0.006480522453784943},{"word":"lessons","start":490.41,"end":490.91,"confidence":0.99902344,"punctuated_word":"lessons","sentiment":"neutral","sentiment_score":0.007563292980194092},{"word":"that","start":491.21,"end":491.61,"confidence":0.44360352,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.006104588508605957},{"word":"that","start":491.61,"end":491.85,"confidence":0.9902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01983547210693359},{"word":"ends","start":491.85,"end":492.09,"confidence":0.88427734,"punctuated_word":"ends","sentiment":"neutral","sentiment_score":-0.03748159855604172},{"word":"up","start":492.09,"end":492.25,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.04274575412273407},{"word":"equaling","start":492.25,"end":492.72998,"confidence":0.88842773,"punctuated_word":"equaling","sentiment":"neutral","sentiment_score":-0.04176923632621765},{"word":"out","start":492.72998,"end":492.88998,"confidence":0.98828125,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.0636514350771904},{"word":"to","start":492.88998,"end":493.05,"confidence":0.93847656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07888959348201752},{"word":"about","start":493.05,"end":493.37,"confidence":0.9873047,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.06276305764913559},{"word":"what","start":493.37,"end":493.61,"confidence":0.6870117,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.05297950655221939},{"word":"the","start":493.61,"end":493.77,"confidence":0.80615234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06635625660419464},{"word":"premium","start":493.77,"end":494.16998,"confidence":0.99121094,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":-0.05259065330028534},{"word":"would","start":494.16998,"end":494.41,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.050341881811618805},{"word":"be","start":494.41,"end":494.49,"confidence":0.9433594,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":-0.0709397941827774},{"word":"i'm","start":494.49,"end":494.57,"confidence":0.88427734,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.037759605795145035},{"word":"like","start":494.57,"end":494.93,"confidence":0.967041,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.001958645880222321},{"word":"oh","start":494.93,"end":495.28998,"confidence":0.7770996,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.01136438176035881},{"word":"i","start":495.28998,"end":495.77,"confidence":0.6064453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.044191524386405945},{"word":"can't","start":495.77,"end":496.00998,"confidence":0.92700195,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.05374934896826744},{"word":"remove","start":496.00998,"end":496.33,"confidence":0.9404297,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.06098902225494385},{"word":"that","start":496.33,"end":496.41,"confidence":0.86328125,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.04722151160240173},{"word":"but","start":496.41,"end":496.57,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.012203328311443329},{"word":"now","start":496.57,"end":496.81,"confidence":0.96875,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.026440545916557312},{"word":"i","start":496.81,"end":496.88998,"confidence":0.98095703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.026366189122200012},{"word":"want","start":496.88998,"end":497.05,"confidence":0.9970703,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.08598755300045013},{"word":"the","start":497.05,"end":497.13,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09229746460914612},{"word":"kids","start":497.13,"end":497.385,"confidence":0.97265625,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.09587981551885603},{"word":"to","start":498.505,"end":499.005,"confidence":0.9658203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07403916865587234},{"word":"swim","start":500.98502,"end":501.14502,"confidence":0.9921875,"punctuated_word":"swim.","sentiment":"neutral","sentiment_score":0.05865349993109703},{"word":"so","start":501.14502,"end":501.225,"confidence":0.7060547,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.017234114930033684},{"word":"yeah","start":501.225,"end":501.545,"confidence":0.88427734,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.01852148585021496},{"word":"just","start":501.545,"end":501.785,"confidence":0.921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.01803329586982727},{"word":"trying","start":501.785,"end":502.02502,"confidence":0.87841797,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.04052580147981644},{"word":"to","start":502.02502,"end":502.105,"confidence":0.97509766,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05603434890508652},{"word":"just","start":502.105,"end":502.265,"confidence":0.96435547,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.02770351618528366},{"word":"trying","start":502.265,"end":502.42502,"confidence":0.9921875,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.07734982669353485},{"word":"to","start":502.42502,"end":502.58502,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1009443700313568},{"word":"shift","start":502.58502,"end":502.825,"confidence":0.99316406,"punctuated_word":"shift","sentiment":"neutral","sentiment_score":-0.0669248178601265},{"word":"things","start":502.825,"end":503.14502,"confidence":0.9951172,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.11393991857767104},{"word":"around","start":503.14502,"end":503.465,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.06451934576034546},{"word":"and","start":503.465,"end":503.625,"confidence":0.9741211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1291668862104416},{"word":"try","start":503.625,"end":503.86502,"confidence":0.8100586,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.13187023997306824},{"word":"to","start":503.86502,"end":504.105,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12253199517726898},{"word":"rebuild","start":504.105,"end":504.505,"confidence":0.9980469,"punctuated_word":"rebuild","sentiment":"neutral","sentiment_score":-0.07332579791545868},{"word":"everything","start":504.505,"end":504.905,"confidence":0.91381836,"punctuated_word":"everything,","sentiment":"neutral","sentiment_score":-0.05434093624353409},{"word":"i","start":504.905,"end":504.98502,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03965262323617935},{"word":"guess","start":504.98502,"end":505.225,"confidence":0.9838867,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":-0.060449328273534775},{"word":"in","start":505.225,"end":505.30502,"confidence":0.97509766,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07747592031955719},{"word":"my","start":505.30502,"end":505.465,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.06471142917871475},{"word":"challenge","start":505.465,"end":505.945,"confidence":0.9448242,"punctuated_word":"challenge","sentiment":"neutral","sentiment_score":-0.06617726385593414},{"word":"right","start":505.945,"end":506.185,"confidence":0.9970703,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.07160627096891403},{"word":"now","start":506.185,"end":506.505,"confidence":0.9291992,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.0751369297504425},{"word":"and","start":506.505,"end":507.005,"confidence":0.75805664,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.04334647953510285},{"word":"yeah","start":508.665,"end":509.065,"confidence":0.97143555,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.013401295989751816},{"word":"whether","start":509.065,"end":509.565,"confidence":0.6611328,"punctuated_word":"whether,","sentiment":"neutral","sentiment_score":-0.05032055824995041},{"word":"yeah","start":509.91,"end":510.07,"confidence":0.9345703,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.07642196863889694},{"word":"i","start":510.07,"end":510.47,"confidence":0.671875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08549586683511734},{"word":"can","start":510.47,"end":510.63,"confidence":0.60546875,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09980104863643646},{"word":"see","start":510.63,"end":510.87003,"confidence":0.99609375,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.10735867917537688},{"word":"that","start":510.87003,"end":511.11002,"confidence":0.8276367,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08395124971866608},{"word":"see","start":511.11002,"end":511.35,"confidence":0.5810547,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0693574845790863},{"word":"what","start":511.35,"end":511.51,"confidence":0.984375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10577437281608582},{"word":"that","start":511.51,"end":511.67,"confidence":0.96972656,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1475357860326767},{"word":"quote","start":511.67,"end":511.79,"confidence":0.94921875,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.09114716947078703},{"word":"i","start":511.91,"end":512.07,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11663109809160233},{"word":"mean","start":512.07,"end":512.31,"confidence":0.9663086,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.13056236505508423},{"word":"the","start":512.31,"end":512.71,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1819455921649933},{"word":"the","start":512.71,"end":512.79004,"confidence":0.81591797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1860884726047516},{"word":"rest","start":512.79004,"end":513.03,"confidence":0.9970703,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.17764118313789368},{"word":"makes","start":513.03,"end":513.27,"confidence":0.8276367,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.1434621959924698},{"word":"sense","start":513.27,"end":513.51,"confidence":0.8520508,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.06504304707050323},{"word":"so","start":513.51,"end":513.67004,"confidence":0.94628906,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06074254587292671},{"word":"i","start":513.67004,"end":513.83,"confidence":0.83447266,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.043220072984695435},{"word":"guess","start":513.83,"end":514.33,"confidence":1.0,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":0.052663594484329224},{"word":"the","start":515.43,"end":515.93,"confidence":0.6503906,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10494236648082732},{"word":"the","start":516.07,"end":516.23004,"confidence":0.9248047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13201946020126343},{"word":"change","start":516.23004,"end":516.55,"confidence":0.9892578,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.2105412185192108},{"word":"to","start":516.55,"end":516.71,"confidence":0.9741211,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.20500124990940097},{"word":"the","start":516.71,"end":517.03,"confidence":0.63427734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19608645141124725},{"word":"fixing","start":517.03,"end":517.53,"confidence":0.3840332,"punctuated_word":"fixing","sentiment":"neutral","sentiment_score":-0.23755216598510745},{"word":"up","start":518.15,"end":518.31,"confidence":0.94140625,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.27350661158561707},{"word":"what's","start":518.31,"end":518.81,"confidence":0.95214844,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.27093979716300964},{"word":"what's","start":519.59,"end":520.07,"confidence":0.9367676,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.3173704147338867},{"word":"underperforming","start":520.07,"end":520.57,"confidence":0.98339844,"punctuated_word":"underperforming","sentiment":"negative","sentiment_score":-0.3663601279258728},{"word":"in","start":520.71,"end":520.87,"confidence":0.5,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.3491459786891937},{"word":"that","start":520.87,"end":521.03,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.3149385154247284},{"word":"bit","start":521.03,"end":521.27,"confidence":0.35388184,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.28901219367980957},{"word":"that","start":521.27,"end":521.51,"confidence":0.98535156,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.016399957239627838},{"word":"all","start":521.51,"end":521.75,"confidence":0.97802734,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.028502292931079865},{"word":"makes","start":521.75,"end":521.99,"confidence":0.9428711,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.042699720710515976},{"word":"sense","start":521.99,"end":522.345,"confidence":0.99853516,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.06388019025325775},{"word":"i","start":525.06494,"end":525.14496,"confidence":0.9589844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08243704587221146},{"word":"don't","start":525.14496,"end":525.305,"confidence":0.99853516,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.07973505556583405},{"word":"know","start":525.305,"end":525.46497,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.11304076761007308},{"word":"whether","start":525.46497,"end":525.625,"confidence":0.99609375,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.13594162464141846},{"word":"we","start":525.625,"end":525.94495,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1270813345909119},{"word":"can","start":525.94495,"end":526.425,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.08286578953266144},{"word":"separate","start":526.425,"end":526.925,"confidence":1.0,"punctuated_word":"separate","sentiment":"neutral","sentiment_score":-0.09485571086406708},{"word":"that","start":526.985,"end":527.14496,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11407748609781264},{"word":"part","start":527.14496,"end":527.64496,"confidence":0.99902344,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.0994989275932312},{"word":"of","start":527.70496,"end":527.94495,"confidence":0.94628906,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06872497498989105},{"word":"the","start":527.94495,"end":528.105,"confidence":0.9760742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.028094515204429623},{"word":"device","start":528.105,"end":528.50494,"confidence":0.5151367,"punctuated_word":"device","sentiment":"neutral","sentiment_score":-0.05016773194074631},{"word":"out","start":528.50494,"end":528.745,"confidence":0.9223633,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.03772948682308197},{"word":"while","start":528.745,"end":528.90497,"confidence":0.97998047,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.07237713783979416},{"word":"we","start":528.90497,"end":529.14496,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07099843770265579},{"word":"fix","start":529.14496,"end":529.38495,"confidence":0.99121094,"punctuated_word":"fix","sentiment":"neutral","sentiment_score":-0.07444258034229279},{"word":"up","start":529.38495,"end":529.545,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.05274345725774765},{"word":"the","start":529.545,"end":529.625,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.047423869371414185},{"word":"rest","start":529.625,"end":529.865,"confidence":1.0,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":-0.10444825142621994},{"word":"of","start":529.865,"end":529.94495,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07904137670993805},{"word":"the","start":529.94495,"end":530.44495,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06999480724334717},{"word":"insurance","start":530.665,"end":531.165,"confidence":0.9980469,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.060223933309316635},{"word":"piece","start":531.225,"end":531.46497,"confidence":0.52197266,"punctuated_word":"piece","sentiment":"neutral","sentiment_score":-0.08511717617511749},{"word":"or","start":531.46497,"end":531.625,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.029835522174835205},{"word":"not","start":531.625,"end":531.865,"confidence":0.87475586,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.06532865762710571},{"word":"but","start":531.865,"end":532.365,"confidence":0.97509766,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.0203482024371624},{"word":"my","start":532.745,"end":532.90497,"confidence":0.7680664,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.022355109453201297},{"word":"other","start":532.90497,"end":533.06494,"confidence":0.8378906,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.027377691119909286},{"word":"question","start":533.06494,"end":533.46497,"confidence":0.99609375,"punctuated_word":"question","sentiment":"neutral","sentiment_score":-0.023264080286026},{"word":"my","start":533.625,"end":533.70496,"confidence":0.9921875,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.05158961936831474},{"word":"only","start":533.70496,"end":533.94495,"confidence":0.99902344,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.04507261514663696},{"word":"question","start":533.94495,"end":534.345,"confidence":1.0,"punctuated_word":"question","sentiment":"neutral","sentiment_score":-0.058661870658397675},{"word":"on","start":534.345,"end":534.425,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.05167891085147858},{"word":"that","start":534.425,"end":534.665,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.038227628916502},{"word":"one","start":534.665,"end":535.14496,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.05882246419787407},{"word":"was","start":535.14496,"end":535.64496,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.07173176109790802},{"word":"knowing","start":536.67004,"end":537.15,"confidence":0.9970703,"punctuated_word":"knowing","sentiment":"neutral","sentiment_score":-0.10484346747398376},{"word":"where","start":537.15,"end":537.55005,"confidence":0.9536133,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.12017732858657836},{"word":"they're","start":537.55005,"end":537.79004,"confidence":0.9855957,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.13503161072731018},{"word":"flirting","start":537.79004,"end":538.27,"confidence":0.99194336,"punctuated_word":"flirting","sentiment":"neutral","sentiment_score":-0.12622258067131042},{"word":"with","start":538.27,"end":538.51,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1239570677280426},{"word":"that","start":538.51,"end":538.75,"confidence":0.91748047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0972907617688179},{"word":"$3,000,000","start":538.75,"end":539.89,"confidence":0.94750977,"punctuated_word":"$3,000,000","sentiment":"neutral","sentiment_score":-0.09916405379772186},{"word":"cap","start":540.27,"end":540.77,"confidence":0.80688477,"punctuated_word":"cap.","sentiment":"neutral","sentiment_score":-0.08680610358715057},{"word":"do","start":544.27,"end":544.35004,"confidence":0.8911133,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.049660824239254},{"word":"at","start":544.51,"end":544.75,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.07445351779460907},{"word":"what","start":544.75,"end":545.07,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0422796905040741},{"word":"point","start":545.07,"end":545.39,"confidence":0.7207031,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":-0.04843892902135849},{"word":"and","start":545.39,"end":545.55005,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04196527600288391},{"word":"it","start":545.55005,"end":545.71,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05740178003907204},{"word":"doesn't","start":545.71,"end":545.95,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.05754394456744194},{"word":"have","start":545.95,"end":546.11005,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0880817174911499},{"word":"to","start":546.11005,"end":546.19,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09325943142175674},{"word":"be","start":546.19,"end":546.43,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.11677606403827669},{"word":"now","start":546.43,"end":546.75,"confidence":0.9526367,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.11144745349884032},{"word":"but","start":546.75,"end":546.91003,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.05119357258081436},{"word":"it's","start":546.91003,"end":547.07,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.09880034625530244},{"word":"probably","start":547.07,"end":547.39,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.08353229612112045},{"word":"something","start":547.39,"end":547.71,"confidence":0.99902344,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.08452344685792923},{"word":"within","start":547.71,"end":548.03,"confidence":0.94970703,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.0023075714707374573},{"word":"the","start":548.03,"end":548.11005,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01720471680164337},{"word":"next","start":548.11005,"end":548.43,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.004494167864322662},{"word":"review","start":548.43,"end":548.91003,"confidence":0.92333984,"punctuated_word":"review","sentiment":"neutral","sentiment_score":-0.0016681402921676636},{"word":"cycle","start":548.91003,"end":549.41003,"confidence":0.75561523,"punctuated_word":"cycle,","sentiment":"neutral","sentiment_score":0.01264699175953865},{"word":"happens","start":552.28503,"end":552.78503,"confidence":0.80029297,"punctuated_word":"Happens.","sentiment":"neutral","sentiment_score":0.03301452472805977},{"word":"it's","start":555.005,"end":555.085,"confidence":0.5673218,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.05691027641296387},{"word":"done","start":555.085,"end":555.585,"confidence":0.69470215,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.013481460511684418},{"word":"sorry","start":556.16504,"end":556.66504,"confidence":0.9797363,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.06203139573335648},{"word":"hold","start":557.245,"end":557.485,"confidence":0.6591797,"punctuated_word":"Hold","sentiment":"neutral","sentiment_score":-0.06196708232164383},{"word":"on","start":557.485,"end":557.985,"confidence":0.9941406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.031120048835873604},{"word":"here","start":558.425,"end":558.925,"confidence":0.27954102,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.026169665157794952},{"word":"as","start":559.365,"end":559.865,"confidence":0.36132812,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.08715333044528961},{"word":"well","start":560.305,"end":560.805,"confidence":0.99072266,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.060148946940898895},{"word":"okay","start":561.245,"end":561.745,"confidence":0.7248535,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1224103346467018},{"word":"ready","start":563.005,"end":563.505,"confidence":0.8256836,"punctuated_word":"Ready.","sentiment":"neutral","sentiment_score":0.11667244136333466},{"word":"are","start":568.14996,"end":568.31,"confidence":0.8959961,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.06286062300205231},{"word":"you","start":568.31,"end":568.38995,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11456108838319778},{"word":"trying","start":568.38995,"end":568.62994,"confidence":0.98095703,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.11442715674638748},{"word":"to","start":568.62994,"end":568.70996,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1514621376991272},{"word":"play","start":568.70996,"end":568.87,"confidence":0.99609375,"punctuated_word":"play","sentiment":"neutral","sentiment_score":0.10544684529304504},{"word":"as","start":568.87,"end":569.02997,"confidence":0.9921875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13675996661186218},{"word":"well","start":569.02997,"end":569.19,"confidence":0.9926758,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.11817525327205658},{"word":"patty","start":569.19,"end":569.69,"confidence":0.7949219,"punctuated_word":"Patty?","sentiment":"neutral","sentiment_score":0.130946546792984},{"word":"no","start":574.70996,"end":575.02997,"confidence":0.6086426,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06583990156650543},{"word":"okay","start":575.02997,"end":575.43,"confidence":0.9926758,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0195973739027977},{"word":"or","start":575.43,"end":575.58997,"confidence":0.6020508,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.021763280034065247},{"word":"you","start":575.58997,"end":575.75,"confidence":0.5341797,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01613227277994156},{"word":"just","start":575.75,"end":575.91,"confidence":0.94140625,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.00972992181777954},{"word":"have","start":575.91,"end":575.99,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.012607604265213013},{"word":"to","start":575.99,"end":576.14996,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04222707450389862},{"word":"wait","start":576.14996,"end":576.31,"confidence":1.0,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":0.041109830141067505},{"word":"for","start":576.31,"end":576.38995,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.008387543261051178},{"word":"a","start":576.38995,"end":576.47,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03208572790026665},{"word":"second","start":576.47,"end":576.70996,"confidence":0.9370117,"punctuated_word":"second.","sentiment":"neutral","sentiment_score":0.02349782362580299},{"word":"i'll","start":576.70996,"end":576.79,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2179940789937973},{"word":"get","start":576.79,"end":576.94995,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2778785228729248},{"word":"it","start":576.94995,"end":577.11,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22469790279865265},{"word":"sorted","start":577.11,"end":577.35,"confidence":1.0,"punctuated_word":"sorted","sentiment":"neutral","sentiment_score":0.25523602962493896},{"word":"out","start":577.35,"end":577.50995,"confidence":0.98095703,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3988594114780426},{"word":"for","start":577.50995,"end":577.58997,"confidence":0.9921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3315332233905792},{"word":"you","start":577.58997,"end":577.67,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18773528933525083},{"word":"in","start":577.67,"end":577.82996,"confidence":0.9770508,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1987820267677307},{"word":"a","start":577.82996,"end":578.115,"confidence":0.7626953,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22186517715454104},{"word":"second","start":578.115,"end":578.27496,"confidence":0.9941406,"punctuated_word":"second.","sentiment":"neutral","sentiment_score":0.17336827516555786},{"word":"okay","start":578.27496,"end":578.595,"confidence":0.9819336,"punctuated_word":"Okay?","sentiment":"positive","sentiment_score":0.34495803713798523},{"word":"just","start":578.595,"end":578.83496,"confidence":0.9902344,"punctuated_word":"Just","sentiment":"positive","sentiment_score":0.4379003047943115},{"word":"keep","start":578.83496,"end":579.075,"confidence":1.0,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.6203194260597229},{"word":"her","start":579.075,"end":579.315,"confidence":0.99902344,"punctuated_word":"her","sentiment":"positive","sentiment_score":0.7101460099220276},{"word":"happy","start":579.315,"end":579.71497,"confidence":0.8601074,"punctuated_word":"happy,","sentiment":"positive","sentiment_score":0.651183545589447},{"word":"and","start":579.71497,"end":579.875,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6199756860733032},{"word":"then","start":579.875,"end":580.035,"confidence":1.0,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.5728139877319336},{"word":"i'll","start":580.035,"end":580.27496,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.6373343467712402},{"word":"go","start":580.27496,"end":580.435,"confidence":0.97509766,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.600169837474823},{"word":"buy","start":580.435,"end":580.675,"confidence":0.97509766,"punctuated_word":"buy","sentiment":"positive","sentiment_score":0.4990657567977905},{"word":"you","start":580.675,"end":580.755,"confidence":0.79248047,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.45709675550460815},{"word":"something","start":580.755,"end":581.075,"confidence":0.99609375,"punctuated_word":"something","sentiment":"positive","sentiment_score":0.3772774040699005},{"word":"on","start":581.075,"end":581.15497,"confidence":0.7236328,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4035444259643554},{"word":"my","start":581.15497,"end":581.315,"confidence":0.71240234,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.4371279776096344},{"word":"home","start":581.315,"end":581.815,"confidence":0.7015381,"punctuated_word":"home.","sentiment":"neutral","sentiment_score":0.2759321928024292},{"word":"mhmm","start":583.635,"end":584.135,"confidence":0.87854004,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.063460573554039},{"word":"yeah","start":585.955,"end":586.195,"confidence":0.7668457,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05736172199249267},{"word":"yeah","start":586.195,"end":586.435,"confidence":0.7039795,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.045340437442064285},{"word":"i","start":586.435,"end":586.595,"confidence":0.9790039,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0091085284948349},{"word":"ended","start":586.595,"end":586.83496,"confidence":0.984375,"punctuated_word":"ended","sentiment":"neutral","sentiment_score":-0.004109621047973633},{"word":"up","start":586.83496,"end":586.915,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.015255235135555267},{"word":"having","start":586.915,"end":587.415,"confidence":0.28759766,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.04037977755069733},{"word":"kids","start":587.635,"end":587.955,"confidence":0.93603516,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.03613133728504181},{"word":"with","start":587.955,"end":588.115,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0034097805619239807},{"word":"me","start":588.115,"end":588.515,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.004413478076457977},{"word":"when","start":588.515,"end":588.755,"confidence":0.67333984,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.009256541728973389},{"word":"i","start":588.755,"end":588.83496,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.002188161015510559},{"word":"went","start":588.83496,"end":588.995,"confidence":0.93408203,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.015044376254081726},{"word":"to","start":588.995,"end":589.15497,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02066008746623993},{"word":"drop","start":589.15497,"end":589.395,"confidence":0.97802734,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":0.00840086117386818},{"word":"the","start":589.395,"end":589.895,"confidence":0.9741211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.023267030715942383},{"word":"drop","start":589.955,"end":590.115,"confidence":0.97265625,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.007708027958869934},{"word":"the","start":590.115,"end":590.595,"confidence":0.97314453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.012558028101921082},{"word":"drop","start":590.595,"end":590.755,"confidence":0.8745117,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.007241792976856232},{"word":"the","start":590.755,"end":590.915,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.006232425570487976},{"word":"oldest","start":590.915,"end":591.235,"confidence":0.4453125,"punctuated_word":"oldest","sentiment":"neutral","sentiment_score":0.02203961461782455},{"word":"up","start":591.235,"end":591.475,"confidence":0.5703125,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.001620769500732422},{"word":"at","start":591.475,"end":591.555,"confidence":0.9580078,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.004339560866355896},{"word":"scuf","start":591.555,"end":591.93,"confidence":0.60180664,"punctuated_word":"Scuf.","sentiment":"neutral","sentiment_score":-0.0068005649372935295},{"word":"yeah","start":592.89,"end":593.21,"confidence":0.9572754,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.029911158606410027},{"word":"so","start":593.21,"end":593.45,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0065423883497715},{"word":"where","start":593.45,"end":593.61,"confidence":0.98535156,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.005822457373142242},{"word":"i","start":593.61,"end":593.77,"confidence":0.9716797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0006342530250549316},{"word":"was","start":593.77,"end":593.93,"confidence":0.96240234,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.003834247589111328},{"word":"going","start":593.93,"end":594.08997,"confidence":0.80322266,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.034124091267585754},{"word":"with","start":594.08997,"end":594.25,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.013378292322158812},{"word":"that","start":594.25,"end":594.49,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0027553513646125793},{"word":"was","start":594.49,"end":594.81,"confidence":0.99316406,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.009052939713001251},{"word":"i'm","start":594.81,"end":595.05,"confidence":0.8376465,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.01665448024868965},{"word":"just","start":595.05,"end":595.29,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.009173892438411713},{"word":"thinking","start":595.29,"end":595.79,"confidence":1.0,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.004280522465705872},{"word":"and","start":596.97,"end":597.47,"confidence":0.3552246,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.016173049807548523},{"word":"doesn't","start":597.77,"end":598.08997,"confidence":0.9580078,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.02258625626564026},{"word":"have","start":598.08997,"end":598.25,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.01954648643732071},{"word":"to","start":598.25,"end":598.33,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05687873810529709},{"word":"be","start":598.33,"end":598.49,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07268638163805008},{"word":"in","start":598.49,"end":598.64996,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07620278000831604},{"word":"this","start":598.64996,"end":598.81,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.04984735324978829},{"word":"review","start":598.81,"end":599.29,"confidence":0.9980469,"punctuated_word":"review","sentiment":"neutral","sentiment_score":-0.05099746957421303},{"word":"cycle","start":599.29,"end":599.61,"confidence":0.8874512,"punctuated_word":"cycle,","sentiment":"neutral","sentiment_score":-0.006113193929195404},{"word":"but","start":599.61,"end":599.93,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.014309905469417572},{"word":"something","start":599.93,"end":600.25,"confidence":0.99902344,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.012375138700008392},{"word":"i","start":600.25,"end":600.41,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.005030617117881775},{"word":"probably","start":600.41,"end":600.81,"confidence":0.9770508,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.008569121360778809},{"word":"need","start":600.81,"end":601.05,"confidence":0.9970703,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.04174373671412468},{"word":"to","start":601.05,"end":601.13,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.048718370497226715},{"word":"think","start":601.13,"end":601.37,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.04591261222958565},{"word":"about","start":601.37,"end":601.77,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.06250180304050446},{"word":"is","start":601.77,"end":602.27,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05550793930888176},{"word":"if","start":602.97,"end":603.21,"confidence":0.9111328,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.059111665934324265},{"word":"they","start":603.21,"end":603.37,"confidence":0.89501953,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.0835641473531723},{"word":"do","start":603.37,"end":603.87,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.05855778604745865},{"word":"put","start":604.185,"end":604.34503,"confidence":0.9633789,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.05781922489404678},{"word":"in","start":604.34503,"end":604.425,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06729267537593842},{"word":"that","start":604.425,"end":604.665,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04732605814933777},{"word":"$3,000,000","start":604.665,"end":605.805,"confidence":0.8261719,"punctuated_word":"$3,000,000","sentiment":"neutral","sentiment_score":-0.027454551309347153},{"word":"piece","start":607.145,"end":607.545,"confidence":0.828125,"punctuated_word":"piece,","sentiment":"neutral","sentiment_score":-0.04788752645254135},{"word":"even","start":607.545,"end":607.78503,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.04925074800848961},{"word":"if","start":607.78503,"end":607.945,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07652705907821655},{"word":"i","start":607.945,"end":608.025,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08529897779226303},{"word":"looked","start":608.025,"end":608.34503,"confidence":0.98828125,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.10774634778499605},{"word":"at","start":608.34503,"end":608.84503,"confidence":0.984375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.12336427718400957},{"word":"no","start":609.865,"end":610.105,"confidence":0.9472656,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.1199544295668602},{"word":"more","start":610.105,"end":610.605,"confidence":0.9980469,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.18624667823314667},{"word":"contributions","start":610.825,"end":611.325,"confidence":0.8720703,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.1361926943063736},{"word":"going","start":611.465,"end":611.705,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.1191512942314148},{"word":"in","start":611.705,"end":611.945,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11845514923334122},{"word":"by","start":611.945,"end":612.185,"confidence":0.89501953,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.1318593472242355},{"word":"my","start":612.185,"end":612.505,"confidence":0.9941406,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.1870795339345932},{"word":"calculations","start":612.505,"end":613.005,"confidence":0.9748535,"punctuated_word":"calculations,","sentiment":"neutral","sentiment_score":-0.15060290694236755},{"word":"i'm","start":613.385,"end":613.625,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.24256762862205505},{"word":"gonna","start":613.625,"end":614.105,"confidence":0.6621094,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.23571960628032684},{"word":"exceed","start":614.105,"end":614.505,"confidence":0.99902344,"punctuated_word":"exceed","sentiment":"neutral","sentiment_score":-0.12464246898889542},{"word":"that","start":614.505,"end":614.745,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1038394495844841},{"word":"3,000,000","start":614.745,"end":615.305,"confidence":1.0,"punctuated_word":"3,000,000","sentiment":"neutral","sentiment_score":-0.06727235019207001},{"word":"mark","start":615.305,"end":615.545,"confidence":0.97802734,"punctuated_word":"mark","sentiment":"neutral","sentiment_score":-0.08980074524879456},{"word":"between","start":615.545,"end":615.865,"confidence":0.9970703,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.10803017020225524},{"word":"now","start":615.865,"end":616.105,"confidence":0.98828125,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.1414870023727417},{"word":"and","start":616.105,"end":616.265,"confidence":0.48657227,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09749077260494232},{"word":"when","start":616.265,"end":616.425,"confidence":0.8491211,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.10364501923322678},{"word":"i","start":616.425,"end":616.505,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10907230526208878},{"word":"retire","start":616.505,"end":617.005,"confidence":0.8833008,"punctuated_word":"retire.","sentiment":"neutral","sentiment_score":-0.07506607472896576},{"word":"right","start":617.145,"end":617.465,"confidence":0.9394531,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":-0.005911577492952347},{"word":"so","start":617.465,"end":617.965,"confidence":0.96435547,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.013311274349689484},{"word":"as","start":618.85,"end":618.93,"confidence":0.4416504,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.007423482835292816},{"word":"as","start":618.93,"end":619.00995,"confidence":0.7001953,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.02704744040966034},{"word":"and","start":619.08997,"end":619.41,"confidence":0.94189453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03774281218647957},{"word":"that's","start":619.41,"end":619.81,"confidence":0.99560547,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.06367223709821701},{"word":"that's","start":619.81,"end":620.31,"confidence":0.88549805,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.06804301589727402},{"word":"working","start":620.68994,"end":621.00995,"confidence":0.9980469,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.17784208059310913},{"word":"up","start":621.00995,"end":621.17,"confidence":0.53515625,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.13373181223869324},{"word":"a","start":621.17,"end":621.32996,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07672928273677826},{"word":"very","start":621.32996,"end":621.82996,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.031744636595249176},{"word":"modest","start":622.37,"end":622.87,"confidence":1.0,"punctuated_word":"modest","sentiment":"neutral","sentiment_score":0.029331833124160767},{"word":"growth","start":623.49,"end":623.81,"confidence":0.9951172,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.16245752573013306},{"word":"rate","start":623.81,"end":624.31,"confidence":0.9941406,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.18106266856193545},{"word":"as","start":624.68994,"end":624.93,"confidence":0.984375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.019978486001491547},{"word":"well","start":624.93,"end":625.32996,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.04867670685052872},{"word":"and","start":625.32996,"end":625.64996,"confidence":0.87158203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0019534453749656677},{"word":"no","start":625.64996,"end":625.97,"confidence":0.9550781,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.021777205169200897},{"word":"further","start":625.97,"end":626.44995,"confidence":0.99609375,"punctuated_word":"further","sentiment":"neutral","sentiment_score":-0.05539005994796753},{"word":"contributions","start":626.44995,"end":626.94995,"confidence":0.91625977,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":-0.03935857117176056},{"word":"so","start":627.32996,"end":627.82996,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.006166994571685791},{"word":"what","start":628.20996,"end":628.44995,"confidence":0.9863281,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.003048121929168701},{"word":"i","start":628.44995,"end":628.52997,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.013531699776649477},{"word":"was","start":628.52997,"end":628.76996,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.022647548466920853},{"word":"thinking","start":628.76996,"end":629.26996,"confidence":1.0,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.02523944526910782},{"word":"was","start":629.32996,"end":629.82996,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.017139814794063568},{"word":"do","start":630.44995,"end":630.76996,"confidence":0.4970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.03027910739183426},{"word":"is","start":632.30505,"end":632.54504,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.013384588062763214},{"word":"there","start":632.54504,"end":632.945,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.0018531903624534607},{"word":"a","start":632.945,"end":633.10504,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.003694206476211548},{"word":"strategy","start":633.10504,"end":633.585,"confidence":1.0,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":-0.0019517093896865845},{"word":"we","start":633.585,"end":633.74506,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.005330950021743774},{"word":"need","start":633.74506,"end":633.905,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.024144962430000305},{"word":"to","start":633.905,"end":634.065,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.033140502870082855},{"word":"put","start":634.065,"end":634.22504,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.029704876244068142},{"word":"in","start":634.22504,"end":634.465,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02426985651254654},{"word":"place","start":634.465,"end":634.945,"confidence":1.0,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.03652852773666382},{"word":"to","start":634.945,"end":635.445,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0072655826807022095},{"word":"treat","start":636.86505,"end":637.36505,"confidence":0.8198242,"punctuated_word":"treat","sentiment":"neutral","sentiment_score":0.007752120494842529},{"word":"that","start":637.905,"end":638.22504,"confidence":0.69055176,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.01361088827252388},{"word":"and","start":638.22504,"end":638.54504,"confidence":0.88183594,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0021499209105968475},{"word":"maybe","start":638.54504,"end":638.86505,"confidence":0.9951172,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.005712613463401794},{"word":"it's","start":638.86505,"end":639.36505,"confidence":0.98950195,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.007114395499229431},{"word":"i","start":639.905,"end":640.145,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.016600683331489563},{"word":"start","start":640.145,"end":640.645,"confidence":0.9902344,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.02551726251840591},{"word":"contributing","start":641.34503,"end":641.84503,"confidence":0.9589844,"punctuated_word":"contributing","sentiment":"neutral","sentiment_score":0.011436566710472109},{"word":"to","start":641.98505,"end":642.145,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02054174244403839},{"word":"my","start":642.145,"end":642.385,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.006158359348773956},{"word":"wife's","start":642.385,"end":642.885,"confidence":0.99560547,"punctuated_word":"wife's","sentiment":"neutral","sentiment_score":0.02724352292716503},{"word":"because","start":643.18506,"end":643.66504,"confidence":0.14282227,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.004286117851734161},{"word":"she's","start":643.66504,"end":643.92,"confidence":0.984375,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.0297294482588768},{"word":"got","start":644.0,"end":644.32,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.046043336391448975},{"word":"next","start":644.32,"end":644.56,"confidence":0.99121094,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.0389852449297905},{"word":"to","start":644.56,"end":644.72,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05363486707210541},{"word":"nothing","start":644.72,"end":645.12,"confidence":0.92285156,"punctuated_word":"nothing.","sentiment":"neutral","sentiment_score":-0.023129362612962723},{"word":"so","start":645.12,"end":645.36,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0335269570350647},{"word":"then","start":645.36,"end":645.6,"confidence":0.98828125,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.05910484492778778},{"word":"as","start":645.6,"end":645.76,"confidence":0.7792969,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.034254975616931915},{"word":"a","start":645.76,"end":645.92,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05672960728406906},{"word":"family","start":645.92,"end":646.24,"confidence":1.0,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.09658221155405045},{"word":"unit","start":646.24,"end":646.56,"confidence":0.94140625,"punctuated_word":"unit,","sentiment":"neutral","sentiment_score":0.05930577218532562},{"word":"we","start":646.56,"end":646.8,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05743185058236122},{"word":"have","start":646.8,"end":647.04,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06635867059230804},{"word":"more","start":647.04,"end":647.51996,"confidence":0.68688965,"punctuated_word":"more,","sentiment":"neutral","sentiment_score":0.02253074198961258},{"word":"or","start":647.51996,"end":648.01996,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03841030225157738},{"word":"is","start":648.48,"end":648.63995,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02042490988969803},{"word":"it","start":648.63995,"end":649.13995,"confidence":0.78344727,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.02059667743742466},{"word":"you","start":649.83997,"end":650.0,"confidence":0.55126953,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.021451536566019055},{"word":"know","start":650.0,"end":650.16,"confidence":0.9946289,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.023393910378217697},{"word":"is","start":650.16,"end":650.32,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03722117841243744},{"word":"it","start":650.32,"end":650.56,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05140773952007294},{"word":"going","start":650.56,"end":650.8,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.0505259707570076},{"word":"through","start":650.8,"end":651.3,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.03553540259599686},{"word":"those","start":651.83997,"end":652.07996,"confidence":0.9873047,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.05434653162956238},{"word":"sort","start":652.07996,"end":652.32,"confidence":0.98828125,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.02626214176416397},{"word":"of","start":652.32,"end":652.48,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.045295774936676025},{"word":"thought","start":652.48,"end":652.63995,"confidence":0.9921875,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":0.041109614074230194},{"word":"processes","start":652.63995,"end":653.13995,"confidence":0.9970703,"punctuated_word":"processes","sentiment":"neutral","sentiment_score":0.022921022027730945},{"word":"for","start":653.27997,"end":653.68,"confidence":0.9707031,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04063832759857178},{"word":"my","start":653.68,"end":653.92,"confidence":0.99609375,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.048247382044792175},{"word":"super","start":653.92,"end":654.24,"confidence":0.9921875,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.13181200623512268},{"word":"strategy","start":654.24,"end":654.74,"confidence":0.9970703,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.05576042830944061},{"word":"as","start":655.04,"end":655.2,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.037817008793354034},{"word":"well","start":655.2,"end":655.51996,"confidence":0.93652344,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":0.02440960891544819},{"word":"but","start":655.51996,"end":656.01996,"confidence":0.98291016,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.02943027764558792},{"word":"i","start":656.765,"end":656.84503,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03941604122519493},{"word":"guess","start":656.84503,"end":657.085,"confidence":0.8925781,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.04085082560777664},{"word":"the","start":657.085,"end":657.245,"confidence":0.91748047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0510571226477623},{"word":"thing","start":657.245,"end":657.405,"confidence":0.99902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.03357309848070145},{"word":"is","start":657.405,"end":657.565,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03811952844262123},{"word":"we","start":657.565,"end":657.72504,"confidence":0.7919922,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.11371158063411713},{"word":"don't","start":657.72504,"end":657.885,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.10886387526988985},{"word":"know","start":657.885,"end":658.125,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.12936058640480042},{"word":"if","start":658.125,"end":658.625,"confidence":0.9716797,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1173410713672638},{"word":"have","start":659.005,"end":659.16504,"confidence":0.6850586,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.11360225081443788},{"word":"they","start":659.16504,"end":659.325,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.11185753345489502},{"word":"passed","start":659.325,"end":659.825,"confidence":0.9941406,"punctuated_word":"passed","sentiment":"neutral","sentiment_score":-0.13049916923046112},{"word":"the","start":660.205,"end":660.28503,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0978115051984787},{"word":"the","start":660.28503,"end":660.365,"confidence":0.6533203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08180557191371918},{"word":"three","start":660.365,"end":660.60504,"confidence":0.99902344,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.09671612083911896},{"word":"million","start":660.60504,"end":661.005,"confidence":1.0,"punctuated_word":"million","sentiment":"neutral","sentiment_score":-0.1424347162246704},{"word":"one","start":661.005,"end":661.405,"confidence":0.9472656,"punctuated_word":"one?","sentiment":"neutral","sentiment_score":-0.08516067266464233},{"word":"yeah","start":661.405,"end":661.72504,"confidence":0.96728516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07149023562669754},{"word":"i","start":661.72504,"end":661.965,"confidence":0.9506836,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16683128476142883},{"word":"i","start":661.965,"end":662.04504,"confidence":0.5048828,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.20206564664840695},{"word":"couldn't","start":662.04504,"end":662.205,"confidence":0.98535156,"punctuated_word":"couldn't","sentiment":"neutral","sentiment_score":-0.1441417783498764},{"word":"remember","start":662.205,"end":662.525,"confidence":0.9980469,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":-0.09662121534347534},{"word":"if","start":662.525,"end":662.605,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1422632783651352},{"word":"it","start":662.605,"end":662.685,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.11436587572097778},{"word":"was","start":662.685,"end":662.84503,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.11590809375047684},{"word":"actually","start":662.84503,"end":663.16504,"confidence":0.99316406,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.14076974987983704},{"word":"still","start":663.16504,"end":663.405,"confidence":0.9970703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.13199636340141296},{"word":"outstanding","start":663.405,"end":663.885,"confidence":0.99121094,"punctuated_word":"outstanding","sentiment":"neutral","sentiment_score":0.027496278285980225},{"word":"or","start":663.885,"end":664.04504,"confidence":0.9951172,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.025945007801055908},{"word":"not","start":664.04504,"end":664.54504,"confidence":0.99609375,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":0.05254608392715454},{"word":"yeah","start":667.325,"end":667.72504,"confidence":0.9753418,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.061508841812610626},{"word":"just","start":667.72504,"end":668.22504,"confidence":0.36694336,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.05317028611898422},{"word":"just","start":668.925,"end":669.085,"confidence":0.8100586,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05128306895494461},{"word":"does","start":669.085,"end":669.325,"confidence":0.88183594,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.04792991653084755},{"word":"everything","start":669.325,"end":669.805,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.05571623891592026},{"word":"in","start":669.805,"end":669.965,"confidence":0.96972656,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03359636291861534},{"word":"right","start":669.965,"end":670.465,"confidence":0.7624512,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.048063892871141434},{"word":"yep","start":700.28,"end":700.78,"confidence":0.8405762,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07426925003528595},{"word":"yep","start":705.8,"end":706.3,"confidence":0.9428711,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10740119218826294},{"word":"yeah","start":709.645,"end":709.805,"confidence":0.91430664,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0935872122645378},{"word":"i","start":709.805,"end":709.96497,"confidence":0.96435547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1155923679471016},{"word":"just","start":709.96497,"end":710.205,"confidence":0.79833984,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10671249032020567},{"word":"do","start":710.205,"end":710.445,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09565703570842744},{"word":"a","start":710.445,"end":710.525,"confidence":0.98291016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09630633890628816},{"word":"transfer","start":710.525,"end":711.025,"confidence":0.9980469,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.08802006393671036},{"word":"across","start":711.085,"end":711.485,"confidence":0.935791,"punctuated_word":"across.","sentiment":"neutral","sentiment_score":0.058380525559186935},{"word":"right","start":711.485,"end":711.985,"confidence":0.98657227,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.07094721496105194},{"word":"yeah","start":712.125,"end":712.625,"confidence":0.986084,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08539599180221558},{"word":"yeah","start":713.085,"end":713.585,"confidence":0.98583984,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.27238747477531433},{"word":"yeah","start":735.03,"end":735.53,"confidence":0.75805664,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.056618377566337585},{"word":"look","start":741.72504,"end":742.04504,"confidence":0.54663086,"punctuated_word":"Look,","sentiment":"neutral","sentiment_score":-0.05858348309993744},{"word":"it's","start":742.04504,"end":742.54504,"confidence":0.9941406,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.05148090049624443},{"word":"it's","start":742.60504,"end":743.10504,"confidence":0.9628906,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2237422317266464},{"word":"definitely","start":743.16504,"end":743.565,"confidence":0.96972656,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":-0.2027372419834137},{"word":"definitely","start":743.565,"end":743.965,"confidence":0.7714844,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":-0.22477462887763977},{"word":"wouldn't","start":743.965,"end":744.28503,"confidence":0.9941406,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.18634888529777527},{"word":"be","start":744.28503,"end":744.445,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.184781014919281},{"word":"at","start":744.445,"end":744.60504,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2400620728731155},{"word":"the","start":744.60504,"end":744.685,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0632319450378418},{"word":"moment","start":744.685,"end":745.005,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.09244631975889206},{"word":"because","start":745.005,"end":745.325,"confidence":0.77978516,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0695451945066452},{"word":"she's","start":745.325,"end":745.565,"confidence":0.9863281,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.07033418118953705},{"word":"just","start":745.565,"end":746.005,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0796651765704155},{"word":"i","start":746.445,"end":746.525,"confidence":0.9135742,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07445720583200455},{"word":"think","start":746.525,"end":746.765,"confidence":0.9970703,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.04892921447753906},{"word":"she's","start":746.765,"end":747.085,"confidence":0.9758301,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.0645236000418663},{"word":"still","start":747.085,"end":747.325,"confidence":0.9892578,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.09280180931091309},{"word":"with","start":747.325,"end":747.825,"confidence":0.9902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.12466908991336824},{"word":"her","start":748.525,"end":748.60504,"confidence":0.5185547,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.10872289538383484},{"word":"super","start":748.60504,"end":748.84503,"confidence":0.65234375,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.10447801649570464},{"word":"her","start":748.84503,"end":749.005,"confidence":0.3203125,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.12224385887384416},{"word":"account","start":749.005,"end":749.245,"confidence":0.74902344,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":-0.1061812937259674},{"word":"probably","start":749.245,"end":749.48505,"confidence":0.96972656,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.14744000136852264},{"word":"would","start":749.48505,"end":749.645,"confidence":0.89453125,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.1375989019870758},{"word":"have","start":749.645,"end":749.80505,"confidence":0.67529297,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.09076356887817384},{"word":"went","start":749.80505,"end":749.885,"confidence":0.9790039,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.12148930877447128},{"word":"back","start":749.885,"end":750.04504,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.10026354342699052},{"word":"to","start":750.04504,"end":750.205,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13202185928821564},{"word":"australian","start":750.205,"end":750.60504,"confidence":0.92578125,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.121763177216053},{"word":"super","start":750.60504,"end":750.92505,"confidence":0.6672363,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":-0.09599900990724564},{"word":"i'm","start":750.92505,"end":751.085,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.06127042695879936},{"word":"pretty","start":751.085,"end":751.325,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.04343268275260925},{"word":"sure","start":751.325,"end":751.72504,"confidence":0.8774414,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":-0.039902739226818085},{"word":"well","start":751.72504,"end":751.885,"confidence":0.76171875,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.006218014284968376},{"word":"because","start":751.885,"end":752.125,"confidence":0.921875,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.014728030189871788},{"word":"she","start":752.125,"end":752.28503,"confidence":0.99316406,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.008810343220829964},{"word":"was","start":752.28503,"end":752.525,"confidence":0.8496094,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.01788659393787384},{"word":"ex","start":752.525,"end":752.765,"confidence":0.49194336,"punctuated_word":"ex","sentiment":"neutral","sentiment_score":-0.01197531446814537},{"word":"q","start":752.765,"end":753.005,"confidence":0.5107422,"punctuated_word":"q","sentiment":"neutral","sentiment_score":-0.008264187723398209},{"word":"super","start":753.005,"end":753.405,"confidence":0.86694336,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":-0.00961301289498806},{"word":"right","start":753.405,"end":753.80505,"confidence":0.8564453,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.000851532444357872},{"word":"so","start":753.80505,"end":754.2,"confidence":0.89208984,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.008784126490354538},{"word":"but","start":755.16003,"end":755.56,"confidence":0.97314453,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.00439998134970665},{"word":"her","start":755.56,"end":756.06,"confidence":0.9838867,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.00288243405520916},{"word":"yeah","start":757.88,"end":758.2,"confidence":0.9367676,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.038562607020139694},{"word":"time","start":758.2,"end":758.52,"confidence":0.28125,"punctuated_word":"Time","sentiment":"neutral","sentiment_score":0.059215255081653595},{"word":"and","start":758.52,"end":758.68,"confidence":0.5029297,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02778792940080166},{"word":"trial","start":758.68,"end":759.0,"confidence":0.3503418,"punctuated_word":"trial","sentiment":"neutral","sentiment_score":0.03994955122470856},{"word":"trends","start":759.0,"end":759.32,"confidence":0.45654297,"punctuated_word":"trends.","sentiment":"neutral","sentiment_score":0.026530513539910316},{"word":"yeah","start":759.32,"end":759.56,"confidence":0.9753418,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0014235377311706543},{"word":"that","start":759.56,"end":759.64,"confidence":0.9970703,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.022871334105730057},{"word":"one","start":759.64,"end":759.88,"confidence":0.94799805,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.02421671897172928},{"word":"sorry","start":759.88,"end":760.2,"confidence":0.98950195,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.04303288459777832},{"word":"yeah","start":760.2,"end":760.52,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02035500481724739},{"word":"back","start":760.52,"end":760.76,"confidence":0.9243164,"punctuated_word":"Back","sentiment":"neutral","sentiment_score":0.0148775028064847},{"word":"to","start":760.76,"end":761.0,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01017871592193842},{"word":"that","start":761.0,"end":761.24,"confidence":0.9892578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.045501042157411575},{"word":"one","start":761.24,"end":761.56,"confidence":0.9975586,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.04460486024618149},{"word":"so","start":761.56,"end":762.06,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11280500888824464},{"word":"she","start":762.76,"end":763.08,"confidence":0.44677734,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.09528188407421112},{"word":"yeah","start":763.4,"end":763.64,"confidence":0.8417969,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.06389021873474121},{"word":"her","start":763.64,"end":763.8,"confidence":0.8769531,"punctuated_word":"Her","sentiment":"neutral","sentiment_score":-0.07734058797359467},{"word":"super","start":763.8,"end":764.2,"confidence":0.83935547,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.021446019411087036},{"word":"probably","start":764.2,"end":764.52,"confidence":0.99121094,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.12045168876647948},{"word":"needs","start":764.52,"end":764.92,"confidence":0.99316406,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":-0.10443058609962463},{"word":"a","start":764.92,"end":765.0,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13180850446224213},{"word":"bit","start":765.0,"end":765.24,"confidence":0.9951172,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.14030170440673828},{"word":"of","start":765.24,"end":765.32,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1951550841331482},{"word":"work","start":765.32,"end":765.56,"confidence":0.828125,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":-0.16853995621204376},{"word":"but","start":765.56,"end":765.8,"confidence":0.7602539,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.10768904536962508},{"word":"i","start":765.8,"end":765.96,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12628240883350372},{"word":"mean","start":765.96,"end":766.2,"confidence":0.99902344,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.13074615597724917},{"word":"the","start":766.2,"end":766.52,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1373930126428604},{"word":"the","start":766.52,"end":766.60004,"confidence":0.9536133,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09655054658651352},{"word":"amount","start":766.60004,"end":766.92,"confidence":0.9970703,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.03915419429540634},{"word":"that","start":766.92,"end":767.08,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08825185149908066},{"word":"she","start":767.08,"end":767.32,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.07615511864423752},{"word":"gets","start":767.32,"end":767.595,"confidence":0.99902344,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":-0.0735803097486496},{"word":"contributions","start":767.83496,"end":768.235,"confidence":0.7626953,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":-0.03502816706895828},{"word":"she's","start":768.235,"end":768.475,"confidence":0.99902344,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.11303295940160751},{"word":"only","start":768.475,"end":768.71497,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.09927885979413986},{"word":"doing","start":768.71497,"end":768.95496,"confidence":0.89941406,"punctuated_word":"doing,","sentiment":"neutral","sentiment_score":-0.08938077837228775},{"word":"like","start":768.95496,"end":769.115,"confidence":0.99853516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.08788316696882248},{"word":"casual","start":769.115,"end":769.51495,"confidence":1.0,"punctuated_word":"casual","sentiment":"neutral","sentiment_score":-0.0442100465297699},{"word":"work","start":769.51495,"end":769.75494,"confidence":0.99902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.098181813955307},{"word":"at","start":769.75494,"end":769.915,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.10496380180120468},{"word":"the","start":769.915,"end":770.07495,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06913867592811584},{"word":"moment","start":770.07495,"end":770.31494,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.035495415329933167},{"word":"where","start":770.31494,"end":770.555,"confidence":0.76708984,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.07136170566082001},{"word":"they","start":770.555,"end":770.795,"confidence":0.96777344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.17135077714920044},{"word":"are","start":770.795,"end":771.27496,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.17409884929656982},{"word":"paying","start":771.27496,"end":771.595,"confidence":0.9980469,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.126667320728302},{"word":"sleep","start":771.595,"end":771.915,"confidence":0.76123047,"punctuated_word":"sleep","sentiment":"neutral","sentiment_score":-0.12362460792064668},{"word":"to","start":771.915,"end":772.15497,"confidence":0.18945312,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.20597895979881287},{"word":"her","start":772.15497,"end":772.31494,"confidence":0.8754883,"punctuated_word":"her,","sentiment":"neutral","sentiment_score":-0.163343608379364},{"word":"but","start":772.31494,"end":772.475,"confidence":0.9941406,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.16070662438869476},{"word":"it's","start":772.475,"end":772.975,"confidence":0.9135742,"punctuated_word":"it's,","sentiment":"neutral","sentiment_score":-0.32732027769088745},{"word":"like","start":773.035,"end":773.51495,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.288576602935791},{"word":"few","start":773.51495,"end":773.675,"confidence":0.98291016,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.33094707131385803},{"word":"and","start":773.675,"end":773.83496,"confidence":0.99609375,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.3369598984718323},{"word":"far","start":773.83496,"end":774.07495,"confidence":0.9980469,"punctuated_word":"far","sentiment":"neutral","sentiment_score":-0.3245478868484497},{"word":"between","start":774.07495,"end":774.39496,"confidence":0.8894043,"punctuated_word":"between.","sentiment":"neutral","sentiment_score":-0.25360485911369324},{"word":"and","start":774.39496,"end":774.89496,"confidence":0.9111328,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.05413614585995674},{"word":"that's","start":775.035,"end":775.27496,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.06888949871063232},{"word":"the","start":775.27496,"end":775.435,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04454931989312172},{"word":"other","start":775.435,"end":775.595,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.04563823714852333},{"word":"thing","start":775.595,"end":775.75494,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.061262346804142},{"word":"that","start":775.75494,"end":775.995,"confidence":0.9873047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.057558901607990265},{"word":"we're","start":775.995,"end":776.235,"confidence":0.98461914,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.06117348000407219},{"word":"trying","start":776.235,"end":776.475,"confidence":0.90722656,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.048171430826187134},{"word":"to","start":776.475,"end":776.975,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0669095367193222},{"word":"do","start":778.475,"end":778.71497,"confidence":0.8444824,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":-0.04093955457210541},{"word":"that's","start":778.71497,"end":778.95496,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.1237787827849388},{"word":"the","start":778.95496,"end":779.115,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12929745018482208},{"word":"other","start":779.115,"end":779.435,"confidence":0.9951172,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.115811325609684},{"word":"reason","start":779.435,"end":779.75494,"confidence":0.99902344,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.07983064651489258},{"word":"i'm","start":779.75494,"end":779.915,"confidence":0.98999023,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1065581440925598},{"word":"trying","start":779.915,"end":780.15497,"confidence":0.9951172,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.09793340414762496},{"word":"to","start":780.15497,"end":780.235,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10595429688692092},{"word":"watch","start":780.235,"end":780.48,"confidence":0.9604492,"punctuated_word":"watch","sentiment":"neutral","sentiment_score":-0.10070087015628816},{"word":"the","start":780.56,"end":780.72,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10583379864692688},{"word":"cash","start":780.72,"end":780.95996,"confidence":0.99902344,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.044908635318279266},{"word":"flow","start":780.95996,"end":781.19995,"confidence":0.9589844,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":0.07886475324630737},{"word":"at","start":781.19995,"end":781.44,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1049063876271248},{"word":"the","start":781.44,"end":781.68,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13060042262077332},{"word":"moment","start":781.68,"end":782.0,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.08986932784318924},{"word":"until","start":782.0,"end":782.5,"confidence":0.99121094,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.10456272214651108},{"word":"she","start":783.51996,"end":783.68,"confidence":0.83447266,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.07722572982311249},{"word":"can","start":783.68,"end":783.83997,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.1500457525253296},{"word":"be","start":783.83997,"end":783.92,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.119271919131279},{"word":"back","start":783.92,"end":784.07996,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.0461704283952713},{"word":"at","start":784.07996,"end":784.24,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.07138355821371078},{"word":"work","start":784.24,"end":784.48,"confidence":0.97265625,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":-0.04280493408441544},{"word":"which","start":784.48,"end":784.63995,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.0022907108068466187},{"word":"hopefully","start":784.63995,"end":785.12,"confidence":0.88671875,"punctuated_word":"hopefully","sentiment":"neutral","sentiment_score":0.016658999025821686},{"word":"the","start":785.12,"end":785.44,"confidence":0.8364258,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.047742314636707306},{"word":"the","start":785.44,"end":785.51996,"confidence":0.82128906,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0536440908908844},{"word":"youngest","start":785.51996,"end":786.0,"confidence":0.9633789,"punctuated_word":"youngest","sentiment":"neutral","sentiment_score":0.12732210755348206},{"word":"is","start":786.0,"end":786.24,"confidence":0.7392578,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.015503883361816406},{"word":"in","start":786.24,"end":786.56,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04114041477441788},{"word":"school","start":786.56,"end":786.88,"confidence":0.99902344,"punctuated_word":"school","sentiment":"neutral","sentiment_score":0.06433974206447601},{"word":"again","start":786.88,"end":787.38,"confidence":0.99902344,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.10034949332475662},{"word":"next","start":788.16,"end":788.56,"confidence":0.97509766,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.03665135055780411},{"word":"year","start":788.56,"end":789.06,"confidence":0.6435547,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.12746891379356384},{"word":"who","start":789.19995,"end":789.36,"confidence":0.83935547,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.2486815899610519},{"word":"will","start":789.36,"end":789.51996,"confidence":0.9506836,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.27430760860443115},{"word":"even","start":789.51996,"end":790.01996,"confidence":0.9604492,"punctuated_word":"even","sentiment":"positive","sentiment_score":0.3641418516635895},{"word":"start","start":790.07996,"end":790.39996,"confidence":0.98095703,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.3319885730743408},{"word":"school","start":790.39996,"end":790.63995,"confidence":0.9970703,"punctuated_word":"school","sentiment":"neutral","sentiment_score":0.3170146346092224},{"word":"next","start":790.63995,"end":790.88,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.21669581532478333},{"word":"year","start":790.88,"end":791.12,"confidence":0.9477539,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.24612903594970703},{"word":"which","start":791.12,"end":791.36,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.27841100096702576},{"word":"would","start":791.36,"end":791.6,"confidence":0.53271484,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.2694756090641022},{"word":"give","start":791.6,"end":791.83997,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.24529369175434113},{"word":"her","start":791.83997,"end":792.16,"confidence":0.9707031,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.22553779184818268},{"word":"more","start":792.16,"end":792.32,"confidence":0.9980469,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.23839451372623444},{"word":"time","start":792.32,"end":792.56,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.2572024464607239},{"word":"to","start":792.56,"end":793.04,"confidence":0.7524414,"punctuated_word":"to,","sentiment":"positive","sentiment_score":0.3361404538154602},{"word":"hopefully","start":793.6,"end":794.1,"confidence":0.6464844,"punctuated_word":"hopefully","sentiment":"positive","sentiment_score":0.3573566675186157},{"word":"get","start":794.895,"end":795.215,"confidence":0.99609375,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.40227916836738586},{"word":"a","start":795.215,"end":795.53503,"confidence":0.80371094,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.36307835578918457},{"word":"get","start":795.695,"end":795.85504,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2570458948612213},{"word":"more","start":795.85504,"end":796.09503,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.21088755130767825},{"word":"of","start":796.09503,"end":796.255,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24093438684940335},{"word":"a","start":796.255,"end":796.335,"confidence":0.9819336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2205650508403778},{"word":"salary","start":796.335,"end":796.835,"confidence":0.8796387,"punctuated_word":"salary.","sentiment":"neutral","sentiment_score":0.16122914850711825},{"word":"but","start":796.895,"end":797.395,"confidence":0.9707031,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.12926416099071503},{"word":"a","start":798.255,"end":798.41504,"confidence":0.6401367,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16877421736717224},{"word":"very","start":798.41504,"end":798.815,"confidence":0.9343262,"punctuated_word":"very,","sentiment":"neutral","sentiment_score":0.1938631236553192},{"word":"very","start":798.815,"end":799.215,"confidence":0.99902344,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.23058924078941345},{"word":"careful","start":799.215,"end":799.695,"confidence":0.9921875,"punctuated_word":"careful","sentiment":"neutral","sentiment_score":0.15817974507808685},{"word":"plotting","start":799.695,"end":800.09503,"confidence":0.46411133,"punctuated_word":"plotting","sentiment":"neutral","sentiment_score":0.29799580574035645},{"word":"game","start":800.09503,"end":800.255,"confidence":0.9970703,"punctuated_word":"game","sentiment":"neutral","sentiment_score":0.2460290789604187},{"word":"for","start":800.255,"end":800.49506,"confidence":0.9448242,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2357790768146515},{"word":"us","start":800.49506,"end":800.655,"confidence":0.99902344,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.22935791313648224},{"word":"at","start":800.655,"end":800.73505,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.21557113528251648},{"word":"the","start":800.73505,"end":800.815,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2394997626543045},{"word":"moment","start":800.815,"end":801.135,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.25784140825271606},{"word":"because","start":801.135,"end":801.635,"confidence":0.8408203,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.18518686294555664},{"word":"she","start":802.335,"end":802.655,"confidence":0.99902344,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.31021878123283386},{"word":"can","start":802.655,"end":802.895,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.26212143898010254},{"word":"get","start":802.895,"end":803.215,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.25226882100105286},{"word":"carrier's","start":803.215,"end":803.53503,"confidence":0.60717773,"punctuated_word":"carrier's","sentiment":"neutral","sentiment_score":0.2416885495185852},{"word":"allowance","start":803.53503,"end":804.015,"confidence":0.97802734,"punctuated_word":"allowance","sentiment":"neutral","sentiment_score":0.20387521386146543},{"word":"as","start":804.015,"end":804.09503,"confidence":0.87060547,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2003617882728577},{"word":"long","start":804.09503,"end":804.335,"confidence":0.99902344,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.2445216029882431},{"word":"as","start":804.335,"end":804.41504,"confidence":0.9892578,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2260538637638092},{"word":"we","start":804.41504,"end":804.91504,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1713026762008667},{"word":"pick","start":805.05505,"end":805.29504,"confidence":0.40283203,"punctuated_word":"pick","sentiment":"neutral","sentiment_score":0.12583588063716888},{"word":"just","start":805.29504,"end":805.455,"confidence":0.7919922,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0749645009636879},{"word":"underneath","start":805.455,"end":805.955,"confidence":0.99902344,"punctuated_word":"underneath","sentiment":"neutral","sentiment_score":0.14314939081668854},{"word":"that","start":806.015,"end":806.335,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11254454404115675},{"word":"$2.50","start":806.335,"end":807.075,"confidence":0.9975586,"punctuated_word":"$2.50","sentiment":"neutral","sentiment_score":0.06911325454711914},{"word":"k","start":808.015,"end":808.335,"confidence":0.9370117,"punctuated_word":"k","sentiment":"neutral","sentiment_score":0.006517674773931503},{"word":"house","start":808.335,"end":808.74,"confidence":0.80566406,"punctuated_word":"house","sentiment":"neutral","sentiment_score":0.051072120666503906},{"word":"hold","start":809.06,"end":809.56,"confidence":0.7294922,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.03662268817424774},{"word":"piece","start":809.7,"end":810.1,"confidence":0.8886719,"punctuated_word":"piece.","sentiment":"neutral","sentiment_score":0.01389017328619957},{"word":"and","start":810.1,"end":810.6,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.01853685826063156},{"word":"when","start":811.62,"end":811.86,"confidence":0.9970703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.18178856372833252},{"word":"i","start":811.86,"end":812.26,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.24307642877101895},{"word":"when","start":812.26,"end":812.42,"confidence":0.9790039,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.27106788754463196},{"word":"i","start":812.42,"end":812.58,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.28666913509368896},{"word":"did","start":812.58,"end":812.82,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.2525644600391388},{"word":"estimate","start":812.82,"end":813.3,"confidence":0.69140625,"punctuated_word":"estimate","sentiment":"neutral","sentiment_score":-0.2543909549713135},{"word":"for","start":813.3,"end":813.45996,"confidence":0.8745117,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.2657088339328766},{"word":"my","start":813.45996,"end":813.62,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.3000660836696625},{"word":"tax","start":813.62,"end":814.02,"confidence":0.9921875,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":-0.2257029116153717},{"word":"it","start":814.02,"end":814.18,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.29472586512565613},{"word":"looks","start":814.18,"end":814.42,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":-0.2921423614025116},{"word":"like","start":814.42,"end":814.92,"confidence":0.9980469,"punctuated_word":"like","sentiment":"negative","sentiment_score":-0.3370431065559387},{"word":"i","start":816.26,"end":816.33997,"confidence":0.9091797,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.4017875790596008},{"word":"got","start":816.33997,"end":816.5,"confidence":0.9892578,"punctuated_word":"got","sentiment":"negative","sentiment_score":-0.4699608087539673},{"word":"an","start":816.5,"end":816.74,"confidence":1.0,"punctuated_word":"an","sentiment":"negative","sentiment_score":-0.48657533526420593},{"word":"extra","start":816.74,"end":816.98,"confidence":1.0,"punctuated_word":"extra","sentiment":"negative","sentiment_score":-0.5686590075492859},{"word":"payment","start":816.98,"end":817.3,"confidence":1.0,"punctuated_word":"payment","sentiment":"negative","sentiment_score":-0.5558686852455139},{"word":"that","start":817.3,"end":817.45996,"confidence":0.9902344,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.5246854424476624},{"word":"has","start":817.45996,"end":817.7,"confidence":0.7441406,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.5369902849197388},{"word":"just","start":817.7,"end":817.86,"confidence":0.9892578,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.5550184845924377},{"word":"pushed","start":817.86,"end":818.1,"confidence":0.98828125,"punctuated_word":"pushed","sentiment":"negative","sentiment_score":-0.5620262026786804},{"word":"me","start":818.1,"end":818.26,"confidence":1.0,"punctuated_word":"me","sentiment":"negative","sentiment_score":-0.6147212386131287},{"word":"over","start":818.26,"end":818.58,"confidence":0.98657227,"punctuated_word":"over,","sentiment":"negative","sentiment_score":-0.4979022145271301},{"word":"which","start":818.58,"end":818.74,"confidence":1.0,"punctuated_word":"which","sentiment":"negative","sentiment_score":-0.4910089671611786},{"word":"means","start":818.74,"end":818.98,"confidence":0.9951172,"punctuated_word":"means","sentiment":"negative","sentiment_score":-0.482715904712677},{"word":"i'm","start":818.98,"end":819.14,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.5261374711990356},{"word":"probably","start":819.14,"end":819.38,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"negative","sentiment_score":-0.6029942035675049},{"word":"gonna","start":819.38,"end":819.62,"confidence":0.875,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.5162925720214844},{"word":"have","start":819.62,"end":819.77997,"confidence":0.9980469,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.5036555528640747},{"word":"a","start":819.77997,"end":819.86,"confidence":0.9970703,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4774661958217621},{"word":"debt","start":819.86,"end":820.1,"confidence":0.99902344,"punctuated_word":"debt","sentiment":"negative","sentiment_score":-0.39520394802093506},{"word":"to","start":820.1,"end":820.26,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5228246450424194},{"word":"pay","start":820.26,"end":820.5,"confidence":0.9980469,"punctuated_word":"pay","sentiment":"negative","sentiment_score":-0.495549201965332},{"word":"back","start":820.5,"end":820.66,"confidence":0.9921875,"punctuated_word":"back","sentiment":"negative","sentiment_score":-0.4351710379123688},{"word":"to","start":820.66,"end":820.82,"confidence":0.87841797,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4905954599380493},{"word":"tax","start":820.82,"end":821.06,"confidence":0.9716797,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.32089880108833313},{"word":"office","start":821.06,"end":821.445,"confidence":0.9362793,"punctuated_word":"office,","sentiment":"negative","sentiment_score":-0.38330039381980896},{"word":"i'd","start":821.605,"end":821.84503,"confidence":0.98583984,"punctuated_word":"I'd","sentiment":"negative","sentiment_score":-0.33471065759658813},{"word":"imagine","start":821.84503,"end":822.34503,"confidence":0.9970703,"punctuated_word":"imagine.","sentiment":"neutral","sentiment_score":-0.32249945402145386},{"word":"so","start":824.165,"end":824.665,"confidence":0.92333984,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.23831400275230408},{"word":"we're","start":824.72504,"end":824.965,"confidence":0.9025879,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.2751808762550354},{"word":"working","start":824.965,"end":825.28503,"confidence":0.99902344,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.26165440678596497},{"word":"through","start":825.28503,"end":825.605,"confidence":1.0,"punctuated_word":"through","sentiment":"negative","sentiment_score":-0.38736626505851746},{"word":"what","start":825.605,"end":825.765,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.3072628974914551},{"word":"that's","start":825.765,"end":826.085,"confidence":0.9951172,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.33822792768478394},{"word":"possibly","start":826.085,"end":826.405,"confidence":0.9970703,"punctuated_word":"possibly","sentiment":"negative","sentiment_score":-0.3916009068489074},{"word":"gonna","start":826.405,"end":826.645,"confidence":0.9716797,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.4062005877494812},{"word":"look","start":826.645,"end":826.805,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.2751975655555725},{"word":"like","start":826.805,"end":826.965,"confidence":0.8977051,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.2708720564842224},{"word":"and","start":826.965,"end":827.125,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.16514435410499573},{"word":"i'm","start":827.125,"end":827.28503,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.16022156178951263},{"word":"looking","start":827.28503,"end":827.525,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.2119993716478348},{"word":"for","start":827.525,"end":827.765,"confidence":0.90283203,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.21441501379013064},{"word":"other","start":827.765,"end":828.165,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.2249514013528824},{"word":"other","start":828.165,"end":828.665,"confidence":0.9863281,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.17780418694019318},{"word":"claimable","start":828.885,"end":829.385,"confidence":0.75390625,"punctuated_word":"claimable","sentiment":"neutral","sentiment_score":-0.11542008817195892},{"word":"right","start":830.085,"end":830.325,"confidence":0.93359375,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.1480223387479782},{"word":"now","start":830.325,"end":830.72504,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.20450633764266968},{"word":"to","start":830.72504,"end":830.885,"confidence":0.78515625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1606970876455307},{"word":"see","start":830.885,"end":831.045,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.14427421987056732},{"word":"if","start":831.045,"end":831.205,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.06391332298517227},{"word":"i","start":831.205,"end":831.28503,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07516981661319733},{"word":"can","start":831.28503,"end":831.78503,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.06757789850234985},{"word":"lower","start":831.84503,"end":832.165,"confidence":1.0,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":-0.03720009699463844},{"word":"that","start":832.165,"end":832.405,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1142040491104126},{"word":"back","start":832.405,"end":832.645,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.09255436807870863},{"word":"down","start":832.645,"end":833.145,"confidence":0.99609375,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.07030921429395676},{"word":"haven't","start":842.14,"end":842.46,"confidence":0.873291,"punctuated_word":"Haven't","sentiment":"neutral","sentiment_score":-0.13320395350456238},{"word":"spoken","start":842.46,"end":842.77997,"confidence":0.9980469,"punctuated_word":"spoken","sentiment":"neutral","sentiment_score":-0.15049488842487335},{"word":"to","start":842.77997,"end":842.94,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.19649791717529297},{"word":"an","start":842.94,"end":843.18,"confidence":0.9760742,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.2077070325613022},{"word":"accountant","start":843.18,"end":843.58,"confidence":0.9135742,"punctuated_word":"accountant","sentiment":"neutral","sentiment_score":-0.16920748353004456},{"word":"about","start":843.58,"end":843.82,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.20032986998558044},{"word":"it","start":843.82,"end":844.14,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.17563436925411224},{"word":"yet","start":844.14,"end":844.64,"confidence":0.98657227,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":-0.15311378240585327},{"word":"i'm","start":844.94,"end":845.26,"confidence":0.99560547,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.034317173063755035},{"word":"i'm","start":845.26,"end":845.34,"confidence":0.8510742,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.008371572010219097},{"word":"just","start":845.34,"end":845.58,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.000030249357223510746},{"word":"looking","start":845.58,"end":845.82,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.007276225835084915},{"word":"at","start":845.82,"end":845.98,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.05293470248579979},{"word":"what","start":845.98,"end":846.14,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.016264352947473526},{"word":"the","start":846.14,"end":846.3,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03470734506845474},{"word":"numbers","start":846.3,"end":846.7,"confidence":1.0,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":-0.0458410307765007},{"word":"look","start":846.7,"end":846.86,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.04168030619621277},{"word":"like","start":846.86,"end":847.1,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.05905965343117714},{"word":"and","start":847.1,"end":847.515,"confidence":0.76953125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.018152497708797455},{"word":"just","start":848.075,"end":848.47504,"confidence":0.95166016,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08720235526561737},{"word":"on","start":848.47504,"end":848.635,"confidence":0.96777344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.08692862093448639},{"word":"my","start":848.635,"end":849.03503,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.10836438834667206},{"word":"own","start":849.03503,"end":849.435,"confidence":0.99121094,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.10068309307098389},{"word":"self","start":849.435,"end":849.835,"confidence":0.9980469,"punctuated_word":"self","sentiment":"neutral","sentiment_score":-0.05566220358014107},{"word":"estimate","start":849.835,"end":850.315,"confidence":0.74560547,"punctuated_word":"estimate.","sentiment":"neutral","sentiment_score":-0.05999242141842842},{"word":"but","start":850.315,"end":850.715,"confidence":0.9892578,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.10173405706882475},{"word":"because","start":850.79504,"end":851.29504,"confidence":0.7758789,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":-0.15541066229343414},{"word":"technically","start":851.675,"end":852.175,"confidence":0.99316406,"punctuated_word":"technically,","sentiment":"neutral","sentiment_score":-0.25663232803344727},{"word":"i","start":852.235,"end":852.315,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.34250885248184204},{"word":"didn't","start":852.315,"end":852.555,"confidence":0.99902344,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.29070955514907837},{"word":"have","start":852.555,"end":852.715,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2685388922691345},{"word":"anything","start":852.715,"end":853.215,"confidence":1.0,"punctuated_word":"anything","sentiment":"negative","sentiment_score":-0.33432090282440186},{"word":"fancy","start":853.995,"end":854.495,"confidence":0.97802734,"punctuated_word":"fancy","sentiment":"neutral","sentiment_score":-0.3008255958557129},{"word":"in","start":854.955,"end":855.115,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.288623571395874},{"word":"my","start":855.115,"end":855.615,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.29404744505882263},{"word":"piece","start":856.315,"end":856.635,"confidence":0.7729492,"punctuated_word":"piece,","sentiment":"neutral","sentiment_score":-0.21403194963932037},{"word":"and","start":856.635,"end":856.79504,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2216949760913849},{"word":"i've","start":856.79504,"end":857.03503,"confidence":0.99316406,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.27799421548843384},{"word":"only","start":857.03503,"end":857.275,"confidence":0.97314453,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.2298370748758316},{"word":"gone","start":857.275,"end":857.515,"confidence":0.9921875,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.199954554438591},{"word":"to","start":857.515,"end":857.675,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.22861920297145844},{"word":"$2.30","start":857.675,"end":858.155,"confidence":0.9160156,"punctuated_word":"$2.30.","sentiment":"neutral","sentiment_score":-0.1715649664402008},{"word":"but","start":858.155,"end":858.395,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.2742460072040558},{"word":"because","start":858.395,"end":858.895,"confidence":0.9980469,"punctuated_word":"because","sentiment":"negative","sentiment_score":-0.4774785041809082},{"word":"my","start":859.755,"end":859.91504,"confidence":0.70996094,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.5824319124221802},{"word":"bonus","start":859.91504,"end":860.315,"confidence":0.99609375,"punctuated_word":"bonus","sentiment":"negative","sentiment_score":-0.456621378660202},{"word":"from","start":860.315,"end":860.47504,"confidence":0.9921875,"punctuated_word":"from","sentiment":"negative","sentiment_score":-0.49484649300575256},{"word":"my","start":860.47504,"end":860.635,"confidence":0.9941406,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.5481823086738586},{"word":"last","start":860.635,"end":860.875,"confidence":1.0,"punctuated_word":"last","sentiment":"negative","sentiment_score":-0.4116889536380768},{"word":"company","start":860.875,"end":861.195,"confidence":1.0,"punctuated_word":"company","sentiment":"negative","sentiment_score":-0.35376161336898804},{"word":"that","start":861.195,"end":861.35504,"confidence":0.9951172,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.380896121263504},{"word":"i","start":861.35504,"end":861.435,"confidence":0.9921875,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.4555732309818268},{"word":"left","start":861.435,"end":861.81,"confidence":0.99609375,"punctuated_word":"left","sentiment":"negative","sentiment_score":-0.33995765447616577},{"word":"got","start":861.81,"end":861.97,"confidence":0.79296875,"punctuated_word":"got","sentiment":"negative","sentiment_score":-0.3448610007762909},{"word":"paid","start":861.97,"end":862.05,"confidence":0.99609375,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.3016137182712555},{"word":"during","start":862.05,"end":862.21,"confidence":0.9892578,"punctuated_word":"during","sentiment":"neutral","sentiment_score":-0.2680239975452423},{"word":"the","start":862.21,"end":862.29,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.34154850244522095},{"word":"same","start":862.29,"end":862.69,"confidence":0.9980469,"punctuated_word":"same","sentiment":"negative","sentiment_score":-0.3364819586277008},{"word":"financial","start":862.69,"end":863.01,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.213787704706192},{"word":"year","start":863.01,"end":863.25,"confidence":0.90722656,"punctuated_word":"year,","sentiment":"negative","sentiment_score":-0.37113815546035767},{"word":"i","start":863.25,"end":863.33,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.5437523722648621},{"word":"think","start":863.33,"end":863.57,"confidence":1.0,"punctuated_word":"think","sentiment":"negative","sentiment_score":-0.5805615186691284},{"word":"it's","start":863.57,"end":863.65,"confidence":0.78930664,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.558372437953949},{"word":"pushed","start":863.65,"end":863.89,"confidence":0.9819336,"punctuated_word":"pushed","sentiment":"negative","sentiment_score":-0.5417079925537109},{"word":"me","start":863.89,"end":864.05,"confidence":1.0,"punctuated_word":"me","sentiment":"negative","sentiment_score":-0.5856855511665344},{"word":"over","start":864.05,"end":864.55,"confidence":0.9970703,"punctuated_word":"over.","sentiment":"negative","sentiment_score":-0.3619667887687683},{"word":"it's","start":870.69,"end":871.17,"confidence":0.935791,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.08992962539196014},{"word":"sitting","start":871.17,"end":871.67,"confidence":0.984375,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.10294412076473236},{"word":"where","start":872.61,"end":872.85,"confidence":0.99609375,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.1756199598312378},{"word":"was","start":872.85,"end":873.09,"confidence":0.9951172,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.12389667332172394},{"word":"i","start":873.09,"end":873.33,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11718902736902236},{"word":"sitting","start":873.33,"end":873.81,"confidence":0.9880371,"punctuated_word":"sitting?","sentiment":"neutral","sentiment_score":-0.0968153104186058},{"word":"i","start":873.81,"end":874.31,"confidence":0.95947266,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08521687239408493},{"word":"me","start":875.89,"end":876.21,"confidence":0.9951172,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.0940931886434555},{"word":"by","start":876.21,"end":876.45,"confidence":0.87353516,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.08467818796634674},{"word":"myself","start":876.45,"end":876.93,"confidence":0.95874023,"punctuated_word":"myself,","sentiment":"neutral","sentiment_score":-0.10614056140184402},{"word":"i","start":876.93,"end":877.01,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10362189263105392},{"word":"think","start":877.01,"end":877.25,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.08122158795595169},{"word":"i","start":877.25,"end":877.75,"confidence":0.8720703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09931792318820952},{"word":"sat","start":877.785,"end":877.94495,"confidence":0.9135742,"punctuated_word":"sat","sentiment":"neutral","sentiment_score":-0.0942990705370903},{"word":"at","start":877.94495,"end":878.185,"confidence":0.98828125,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06609264016151428},{"word":"the","start":878.185,"end":878.26495,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07543264329433441},{"word":"$2.52","start":878.26495,"end":879.065,"confidence":0.99780273,"punctuated_word":"$2.52"},{"word":"mark","start":879.065,"end":879.565,"confidence":0.8869629,"punctuated_word":"mark,","sentiment":"neutral","sentiment_score":0.018288765102624893},{"word":"i","start":880.185,"end":880.345,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0265791118144989},{"word":"think","start":880.345,"end":880.665,"confidence":0.904541,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":0.014461597427725792},{"word":"for","start":880.665,"end":880.90497,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.013442269526422024},{"word":"the","start":880.90497,"end":881.14496,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015128761529922484},{"word":"for","start":881.14496,"end":881.38495,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.015259704552590849},{"word":"the","start":881.38495,"end":881.545,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015506544150412084},{"word":"gross","start":881.545,"end":882.02496,"confidence":0.76782227,"punctuated_word":"gross.","sentiment":"neutral","sentiment_score":0.014970283955335615},{"word":"so","start":882.02496,"end":882.52496,"confidence":0.94970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.029310688376426697},{"word":"but","start":883.225,"end":883.38495,"confidence":0.8676758,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.02486478164792061},{"word":"then","start":883.38495,"end":883.625,"confidence":0.9667969,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.025521276518702507},{"word":"i","start":883.625,"end":883.865,"confidence":0.90283203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.009270918555557728},{"word":"yeah","start":884.82495,"end":885.32495,"confidence":0.9863281,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.008029960095882416},{"word":"okay","start":905.735,"end":906.235,"confidence":0.91015625,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06294584274291992},{"word":"alright","start":906.615,"end":907.115,"confidence":0.97021484,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.10436755418777466},{"word":"yeah","start":947.29004,"end":947.53,"confidence":0.8400879,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11853987723588943},{"word":"okay","start":947.53,"end":948.03,"confidence":0.99560547,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.19648873805999756},{"word":"yeah","start":952.225,"end":952.625,"confidence":0.98950195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11299870908260344},{"word":"no","start":952.625,"end":952.865,"confidence":0.9108887,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.08436450362205505},{"word":"that's","start":952.865,"end":953.185,"confidence":0.8486328,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.13081154227256775},{"word":"it","start":953.185,"end":953.345,"confidence":0.8676758,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.08967363834381104},{"word":"i'm","start":953.345,"end":953.58496,"confidence":0.7438965,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.3473297357559204},{"word":"on","start":953.58496,"end":953.665,"confidence":0.9716797,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4007240831851959},{"word":"the","start":953.665,"end":953.745,"confidence":0.9589844,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.37761327624320984},{"word":"bright","start":953.745,"end":953.985,"confidence":0.6879883,"punctuated_word":"bright","sentiment":"positive","sentiment_score":0.417248010635376},{"word":"side","start":953.985,"end":954.14496,"confidence":0.68444824,"punctuated_word":"side.","sentiment":"positive","sentiment_score":0.4563105702400207},{"word":"at","start":954.14496,"end":954.305,"confidence":0.98291016,"punctuated_word":"At","sentiment":"positive","sentiment_score":0.3653962612152099},{"word":"least","start":954.305,"end":954.46497,"confidence":1.0,"punctuated_word":"least","sentiment":"positive","sentiment_score":0.3708012700080872},{"word":"i've","start":954.46497,"end":954.625,"confidence":0.86083984,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.4685867428779602},{"word":"got","start":954.625,"end":955.02496,"confidence":0.99316406,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.3715375661849976},{"word":"a","start":955.02496,"end":955.185,"confidence":0.99316406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4002828598022461},{"word":"healthy","start":955.185,"end":955.58496,"confidence":0.9951172,"punctuated_word":"healthy","sentiment":"positive","sentiment_score":0.4552013874053955},{"word":"super","start":955.58496,"end":955.82495,"confidence":0.7211914,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.515778124332428},{"word":"balance","start":955.82495,"end":956.14496,"confidence":0.9003906,"punctuated_word":"balance","sentiment":"positive","sentiment_score":0.4748809337615967},{"word":"for","start":956.14496,"end":956.305,"confidence":0.51464844,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3157113492488861},{"word":"someone","start":956.305,"end":956.625,"confidence":0.984375,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.2623458802700043},{"word":"my","start":956.625,"end":956.70496,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.21476490795612335},{"word":"age","start":956.70496,"end":957.105,"confidence":0.75683594,"punctuated_word":"age.","sentiment":"neutral","sentiment_score":0.26709866523742676},{"word":"so","start":957.105,"end":957.605,"confidence":0.6323242,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19797857105731964},{"word":"that's","start":958.06494,"end":958.305,"confidence":0.9675293,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.24753449857234955},{"word":"the","start":958.305,"end":958.46497,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3039763569831848},{"word":"one","start":958.46497,"end":958.94495,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.258063942193985},{"word":"one","start":958.94495,"end":959.26495,"confidence":0.97802734,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.2257503718137741},{"word":"bright","start":959.26495,"end":959.58496,"confidence":0.97998047,"punctuated_word":"bright","sentiment":"neutral","sentiment_score":0.28898781538009644},{"word":"side","start":959.58496,"end":959.90497,"confidence":0.83203125,"punctuated_word":"side.","sentiment":"neutral","sentiment_score":0.3137211203575134},{"word":"right","start":959.90497,"end":960.40497,"confidence":0.94628906,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.14016908407211304},{"word":"yeah","start":960.625,"end":960.94495,"confidence":0.95654297,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05372243374586105},{"word":"no","start":960.94495,"end":961.26495,"confidence":0.8095703,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05781134217977524},{"word":"the","start":961.26495,"end":961.58496,"confidence":0.87353516,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.11899130791425704},{"word":"the","start":961.58496,"end":961.745,"confidence":0.95947266,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16109830141067505},{"word":"other","start":961.745,"end":961.90497,"confidence":0.9980469,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.20671039819717407},{"word":"part","start":961.90497,"end":962.14496,"confidence":0.99609375,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.12798520922660828},{"word":"i'm","start":962.14496,"end":962.305,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.16660040616989136},{"word":"worried","start":962.305,"end":962.625,"confidence":1.0,"punctuated_word":"worried","sentiment":"neutral","sentiment_score":-0.242737740278244},{"word":"about","start":962.625,"end":962.865,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.28787723183631897},{"word":"is","start":962.865,"end":963.02496,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.20942774415016177},{"word":"it's","start":963.02496,"end":963.185,"confidence":0.986084,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2431987226009369},{"word":"more","start":963.185,"end":963.48,"confidence":0.9970703,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.24420467019081116},{"word":"it's","start":963.8,"end":963.95996,"confidence":0.9641113,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.22760450839996335},{"word":"taking","start":963.95996,"end":964.36,"confidence":0.5449219,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.23933088779449463},{"word":"it","start":964.44,"end":964.51996,"confidence":0.98291016,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.26781323552131653},{"word":"would","start":964.51996,"end":964.68,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.2961117923259735},{"word":"have","start":964.68,"end":964.83997,"confidence":0.73291016,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.32164230942726135},{"word":"taken","start":964.83997,"end":965.07996,"confidence":1.0,"punctuated_word":"taken","sentiment":"neutral","sentiment_score":-0.27476027607917786},{"word":"us","start":965.07996,"end":965.16,"confidence":0.99609375,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.30812186002731323},{"word":"over","start":965.16,"end":965.39996,"confidence":0.99609375,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.227341890335083},{"word":"the","start":965.39996,"end":965.56,"confidence":0.97998047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.25811251997947693},{"word":"household","start":965.56,"end":966.06,"confidence":0.99902344,"punctuated_word":"household","sentiment":"neutral","sentiment_score":-0.27528098225593567},{"word":"income","start":966.68,"end":967.07996,"confidence":0.96606445,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":-0.2597808837890625},{"word":"which","start":967.07996,"end":967.39996,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.17278072237968445},{"word":"means","start":967.39996,"end":967.89996,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.16937865316867828},{"word":"they'll","start":968.83997,"end":969.24,"confidence":0.9494629,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":-0.17148444056510925},{"word":"come","start":969.24,"end":969.56,"confidence":0.99316406,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.19695499539375305},{"word":"after","start":969.56,"end":969.8,"confidence":0.85253906,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.20161129534244537},{"word":"the","start":969.8,"end":970.12,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1487325131893158},{"word":"the","start":970.12,"end":970.27997,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12221089750528336},{"word":"carers","start":970.27997,"end":970.77997,"confidence":0.8647461,"punctuated_word":"carers","sentiment":"neutral","sentiment_score":-0.0974486917257309},{"word":"amount","start":971.0,"end":971.32,"confidence":0.60302734,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.12120522558689116},{"word":"that","start":971.32,"end":971.48,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10836802423000336},{"word":"they'd","start":971.48,"end":971.8,"confidence":0.6640625,"punctuated_word":"they'd","sentiment":"neutral","sentiment_score":-0.13912011682987213},{"word":"pay","start":971.8,"end":971.95996,"confidence":0.5385742,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.13082125782966614},{"word":"to","start":971.95996,"end":972.12,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11529138684272766},{"word":"us","start":972.12,"end":972.27997,"confidence":0.8334961,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":-0.14560922980308533},{"word":"so","start":972.27997,"end":972.77997,"confidence":0.84472656,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07329194247722626},{"word":"that's","start":973.24,"end":973.56,"confidence":0.92626953,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.06322409212589264},{"word":"there's","start":973.63995,"end":973.88,"confidence":0.95166016,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.08319473266601562},{"word":"there's","start":973.88,"end":974.19995,"confidence":0.9675293,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.07580932229757309},{"word":"ways","start":974.19995,"end":974.44,"confidence":0.94140625,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":-0.10614383220672607},{"word":"and","start":974.44,"end":974.6,"confidence":0.93847656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05660909786820412},{"word":"means","start":974.6,"end":975.0,"confidence":0.9970703,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.14038726687431335},{"word":"to","start":975.0,"end":975.24,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09908127784729004},{"word":"to","start":975.24,"end":975.39996,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10344268381595612},{"word":"work","start":975.39996,"end":975.63995,"confidence":0.99902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.11298607289791109},{"word":"that","start":975.63995,"end":975.88,"confidence":0.5439453,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09307464212179184},{"word":"out","start":975.88,"end":976.04,"confidence":0.7602539,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.08454550057649612},{"word":"so","start":976.04,"end":976.19995,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04809553548693657},{"word":"it's","start":976.19995,"end":976.36,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.07050137221813202},{"word":"not","start":976.36,"end":976.83997,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.10143643617630003},{"word":"cash","start":976.83997,"end":977.16,"confidence":0.99609375,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.18609203398227692},{"word":"flow","start":977.16,"end":977.66,"confidence":0.8232422,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":-0.16838997602462769},{"word":"prohibitive","start":978.645,"end":979.145,"confidence":0.86816406,"punctuated_word":"prohibitive,","sentiment":"neutral","sentiment_score":-0.3071209192276001},{"word":"but","start":980.085,"end":980.16504,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.27628040313720703},{"word":"just","start":980.16504,"end":980.405,"confidence":0.77734375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.3277682065963745},{"word":"means","start":980.405,"end":980.645,"confidence":0.9472656,"punctuated_word":"means","sentiment":"negative","sentiment_score":-0.34445300698280334},{"word":"dealing","start":980.645,"end":980.885,"confidence":0.9921875,"punctuated_word":"dealing","sentiment":"negative","sentiment_score":-0.3876595795154571},{"word":"with","start":980.885,"end":981.04504,"confidence":0.98535156,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.4162881374359131},{"word":"centrelink","start":981.04504,"end":981.525,"confidence":0.87194824,"punctuated_word":"Centrelink,","sentiment":"negative","sentiment_score":-0.3371724486351013},{"word":"which","start":981.525,"end":981.60504,"confidence":1.0,"punctuated_word":"which","sentiment":"negative","sentiment_score":-0.3826656937599182},{"word":"is","start":981.60504,"end":981.765,"confidence":0.86035156,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.34453830122947693},{"word":"never","start":981.765,"end":982.005,"confidence":0.40625,"punctuated_word":"never","sentiment":"negative","sentiment_score":-0.36569806933403015},{"word":"fun","start":982.005,"end":982.505,"confidence":0.99609375,"punctuated_word":"fun.","sentiment":"neutral","sentiment_score":-0.25252336263656616},{"word":"bye","start":984.645,"end":985.145,"confidence":0.7290039,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.2174461930990219},{"word":"mhmm","start":1004.22,"end":1004.415,"confidence":0.8833008,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.017339255660772324},{"word":"okay","start":1008.255,"end":1008.755,"confidence":0.78930664,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.192583829164505},{"word":"yep","start":1069.735,"end":1070.235,"confidence":0.6793213,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06360407173633575},{"word":"yeah","start":1070.615,"end":1070.9349,"confidence":0.9338379,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05711565911769867},{"word":"okay","start":1070.9349,"end":1071.2549,"confidence":0.9946289,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.019060388207435608},{"word":"no","start":1071.2549,"end":1071.4149,"confidence":0.9016113,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1277871131896973},{"word":"that","start":1071.4149,"end":1071.6549,"confidence":0.9970703,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.0029765814542770386},{"word":"makes","start":1071.6549,"end":1071.8949,"confidence":0.9941406,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.022722110152244568},{"word":"sense","start":1071.8949,"end":1072.1349,"confidence":0.99365234,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":-0.13053803145885468},{"word":"and","start":1072.1349,"end":1072.6349,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.04426535964012146},{"word":"with","start":1073.1,"end":1073.34,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.08682747185230255},{"word":"the","start":1073.34,"end":1073.74,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08700907230377197},{"word":"additional","start":1073.74,"end":1074.14,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.1322101354598999},{"word":"medicals","start":1074.14,"end":1074.54,"confidence":0.9885254,"punctuated_word":"medicals","sentiment":"neutral","sentiment_score":-0.11402125656604768},{"word":"and","start":1074.54,"end":1074.78,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0765104740858078},{"word":"everything","start":1074.78,"end":1075.28,"confidence":0.9494629,"punctuated_word":"everything,","sentiment":"neutral","sentiment_score":-0.07315324991941452},{"word":"so","start":1075.34,"end":1075.84,"confidence":0.9921875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.06603656709194183},{"word":"if","start":1076.94,"end":1077.1799,"confidence":0.9838867,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.17237737774848938},{"word":"anything","start":1077.1799,"end":1077.5,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.22621771693229675},{"word":"was","start":1077.5,"end":1077.74,"confidence":0.99609375,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.2346087098121643},{"word":"to","start":1077.74,"end":1077.82,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.24811579287052157},{"word":"come","start":1077.82,"end":1078.0599,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.23551705479621887},{"word":"out","start":1078.0599,"end":1078.22,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.27348989248275757},{"word":"of","start":1078.22,"end":1078.38,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2515820860862732},{"word":"any","start":1078.38,"end":1078.62,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.20401036739349365},{"word":"of","start":1078.62,"end":1078.7,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1873735636472702},{"word":"that","start":1078.7,"end":1079.1799,"confidence":0.9909668,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.24226149916648865},{"word":"could","start":1079.1799,"end":1079.42,"confidence":0.94140625,"punctuated_word":"could","sentiment":"negative","sentiment_score":-0.3354409635066986},{"word":"that","start":1079.42,"end":1079.58,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.29516977071762085},{"word":"mean","start":1079.58,"end":1079.98,"confidence":0.9970703,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":-0.2878349721431732},{"word":"that","start":1080.14,"end":1080.2999,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2575337886810303},{"word":"would","start":1080.2999,"end":1080.46,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.30115970969200134},{"word":"just","start":1080.46,"end":1080.7,"confidence":0.9970703,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.33812135457992554},{"word":"mean","start":1080.7,"end":1081.02,"confidence":0.7675781,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":-0.2675676941871643},{"word":"exclusions","start":1081.02,"end":1081.52,"confidence":0.9914551,"punctuated_word":"exclusions","sentiment":"neutral","sentiment_score":-0.2858196496963501},{"word":"or","start":1082.14,"end":1082.54,"confidence":0.3857422,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.28930026292800903},{"word":"what's","start":1082.54,"end":1083.04,"confidence":0.9094238,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.2236006259918213},{"word":"the","start":1083.1799,"end":1083.5,"confidence":0.44360352,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13622909784317017},{"word":"potential","start":1083.5,"end":1083.98,"confidence":0.9550781,"punctuated_word":"potential","sentiment":"neutral","sentiment_score":-0.2241181433200836},{"word":"premium","start":1083.98,"end":1084.48,"confidence":1.0,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":-0.15658976137638092},{"word":"changes","start":1084.54,"end":1085.04,"confidence":0.99902344,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.15403015911579132},{"word":"or","start":1085.26,"end":1085.76,"confidence":0.69677734,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07333597540855408},{"word":"not","start":1087.025,"end":1087.265,"confidence":0.99316406,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2710138261318207},{"word":"not","start":1087.265,"end":1087.505,"confidence":0.98095703,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2693871855735779},{"word":"not","start":1087.505,"end":1087.6649,"confidence":0.9707031,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.33426371216773987},{"word":"that","start":1087.6649,"end":1087.9049,"confidence":0.9902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2956821322441101},{"word":"i'm","start":1087.9049,"end":1088.065,"confidence":0.9951172,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2655710279941559},{"word":"not","start":1088.065,"end":1088.385,"confidence":0.921875,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.23272641003131864},{"word":"that","start":1088.385,"end":1088.465,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2228943407535553},{"word":"i'm","start":1088.465,"end":1088.705,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.28991690278053284},{"word":"really","start":1088.705,"end":1088.945,"confidence":0.99902344,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.39212340116500854},{"word":"worried","start":1088.945,"end":1089.345,"confidence":0.89990234,"punctuated_word":"worried,","sentiment":"neutral","sentiment_score":-0.2508127689361572},{"word":"but","start":1089.345,"end":1089.845,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.2287064492702484},{"word":"it's","start":1090.225,"end":1090.465,"confidence":0.8339844,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.14700308442115784},{"word":"safe","start":1090.465,"end":1090.625,"confidence":0.14648438,"punctuated_word":"safe","sentiment":"neutral","sentiment_score":-0.3209559917449951},{"word":"always","start":1090.625,"end":1090.945,"confidence":0.6591797,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.1365240067243576},{"word":"at","start":1090.945,"end":1091.105,"confidence":0.4494629,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.24713222682476044},{"word":"the","start":1091.105,"end":1091.1849,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2709753215312958},{"word":"back","start":1091.1849,"end":1091.345,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.1804686188697815},{"word":"of","start":1091.345,"end":1091.505,"confidence":0.9604492,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1467493325471878},{"word":"your","start":1091.505,"end":1091.6649,"confidence":0.9707031,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.08576220273971558},{"word":"mind","start":1091.6649,"end":1091.985,"confidence":0.86157227,"punctuated_word":"mind.","sentiment":"neutral","sentiment_score":-0.06127049028873443},{"word":"right","start":1091.985,"end":1092.485,"confidence":0.9916992,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.01915702596306801},{"word":"yep","start":1136.74,"end":1137.24,"confidence":0.91015625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01179291307926178},{"word":"yep","start":1150.515,"end":1150.74,"confidence":0.94018555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.021027132868766785},{"word":"yep","start":1174.115,"end":1174.615,"confidence":0.9416504,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.008668361231684685},{"word":"yeah","start":1212.0,"end":1212.24,"confidence":0.89819336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.003868728876113891},{"word":"no","start":1212.24,"end":1212.4,"confidence":0.86987305,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07500670850276947},{"word":"that","start":1212.4,"end":1212.5599,"confidence":0.9941406,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.01947108656167984},{"word":"makes","start":1212.5599,"end":1212.7999,"confidence":0.9472656,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.05865180119872093},{"word":"sense","start":1212.7999,"end":1213.095,"confidence":0.9980469,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":-0.04457728564739227},{"word":"yep","start":1213.4149,"end":1213.9149,"confidence":0.9975586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09062882512807846},{"word":"yeah","start":1231.51,"end":1231.83,"confidence":0.7385254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11918043345212936},{"word":"so","start":1231.83,"end":1231.99,"confidence":0.5395508,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.054379161447286606},{"word":"it","start":1231.99,"end":1232.07,"confidence":0.89453125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01693187654018402},{"word":"doesn't","start":1232.07,"end":1232.3099,"confidence":0.9580078,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.007987741380929947},{"word":"doesn't","start":1232.3099,"end":1232.5499,"confidence":0.8005371,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.017286181449890137},{"word":"undo","start":1232.5499,"end":1232.95,"confidence":0.98828125,"punctuated_word":"undo","sentiment":"neutral","sentiment_score":-0.06602245569229126},{"word":"everything","start":1232.95,"end":1233.27,"confidence":0.9980469,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.04449047148227692},{"word":"else","start":1233.27,"end":1233.59,"confidence":0.93603516,"punctuated_word":"else.","sentiment":"neutral","sentiment_score":0.00046554580330848694},{"word":"it's","start":1233.59,"end":1233.99,"confidence":0.9597168,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.03445960581302643},{"word":"finally","start":1233.99,"end":1234.39,"confidence":0.88134766,"punctuated_word":"finally","sentiment":"neutral","sentiment_score":-0.04434226080775261},{"word":"on","start":1234.39,"end":1234.47,"confidence":0.97802734,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0494094118475914},{"word":"the","start":1234.47,"end":1234.63,"confidence":0.93359375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05637754872441292},{"word":"new","start":1234.63,"end":1234.71,"confidence":0.97314453,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.06480743736028671},{"word":"yep","start":1235.11,"end":1235.61,"confidence":0.9817708,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.00513732573017478},{"word":"yeah","start":1261.7899,"end":1262.2899,"confidence":0.9724121,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2128172218799591},{"word":"cool","start":1262.6699,"end":1263.1699,"confidence":0.8725586,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4972444772720337},{"word":"mhmm","start":1265.23,"end":1265.685,"confidence":0.9359131,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.24476012587547305},{"word":"no","start":1275.045,"end":1275.545,"confidence":0.9523926,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0515938475728035},{"word":"like","start":1275.685,"end":1275.8451,"confidence":0.87841797,"punctuated_word":"Like","sentiment":"neutral","sentiment_score":-0.0450003445148468},{"word":"i","start":1275.8451,"end":1276.005,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04625838249921799},{"word":"said","start":1276.005,"end":1276.2451,"confidence":0.9838867,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.04814257100224495},{"word":"the","start":1276.2451,"end":1276.645,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0662541314959526},{"word":"the","start":1276.645,"end":1276.7251,"confidence":0.9428711,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.034093067049980164},{"word":"super","start":1276.7251,"end":1277.045,"confidence":0.8730469,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.12095482647418976},{"word":"and","start":1277.045,"end":1277.125,"confidence":0.9819336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07812905311584473},{"word":"everything","start":1277.125,"end":1277.525,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.1650088131427765},{"word":"made","start":1277.525,"end":1278.025,"confidence":0.984375,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.1658397614955902},{"word":"sense","start":1278.11,"end":1278.43,"confidence":0.8276367,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.08014963567256927},{"word":"so","start":1278.43,"end":1278.47,"confidence":0.91259766,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04029763862490654},{"word":"i","start":1278.47,"end":1278.51,"confidence":0.9614258,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0412917323410511},{"word":"just","start":1278.51,"end":1278.8301,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.031174376606941223},{"word":"wanted","start":1278.8301,"end":1279.15,"confidence":0.9980469,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.008671864867210388},{"word":"to","start":1279.15,"end":1279.47,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.013622045516967772},{"word":"flag","start":1279.47,"end":1279.9501,"confidence":0.9951172,"punctuated_word":"flag","sentiment":"neutral","sentiment_score":-0.0068969279527664185},{"word":"probably","start":1279.9501,"end":1280.4501,"confidence":0.8359375,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.0679963156580925},{"word":"i'm","start":1281.79,"end":1281.91,"confidence":0.9970703,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.015764880925416946},{"word":"i'm","start":1281.91,"end":1282.03,"confidence":0.8679199,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03454635292291641},{"word":"assuming","start":1282.03,"end":1282.53,"confidence":0.7734375,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":0.04933122918009758},{"word":"because","start":1282.5901,"end":1282.8301,"confidence":0.9003906,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.048442550003528595},{"word":"it's","start":1282.8301,"end":1283.0701,"confidence":0.935791,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.08262263238430023},{"word":"a","start":1283.0701,"end":1283.15,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09214964509010316},{"word":"healthy","start":1283.15,"end":1283.55,"confidence":1.0,"punctuated_word":"healthy","sentiment":"neutral","sentiment_score":0.17258772253990173},{"word":"balance","start":1283.55,"end":1284.03,"confidence":0.99902344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.11469888687133788},{"word":"that","start":1284.03,"end":1284.53,"confidence":0.7348633,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.06194429099559784},{"word":"yeah","start":1285.31,"end":1285.63,"confidence":0.93359375,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.1892608106136322},{"word":"just","start":1285.63,"end":1285.87,"confidence":0.9921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2179233580827713},{"word":"even","start":1285.87,"end":1286.1901,"confidence":0.97802734,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.2061586230993271},{"word":"compound","start":1286.1901,"end":1286.67,"confidence":0.9921875,"punctuated_word":"compound","sentiment":"neutral","sentiment_score":0.2056460678577423},{"word":"interest","start":1286.67,"end":1287.0701,"confidence":0.9970703,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.29698672890663147},{"word":"on","start":1287.0701,"end":1287.31,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.300957053899765},{"word":"that","start":1287.31,"end":1287.63,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21146777272224423},{"word":"will","start":1287.63,"end":1287.87,"confidence":0.97998047,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2687738239765167},{"word":"be","start":1287.87,"end":1288.37,"confidence":0.9941406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.23578524589538577},{"word":"will","start":1288.8301,"end":1289.0701,"confidence":0.97998047,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.24949003756046295},{"word":"take","start":1289.0701,"end":1289.31,"confidence":0.9921875,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.2496418654918671},{"word":"me","start":1289.31,"end":1289.47,"confidence":0.99121094,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.28010571002960205},{"word":"over","start":1289.47,"end":1289.7101,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.27450302243232727},{"word":"that","start":1289.7101,"end":1290.11,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.25321465730667114},{"word":"magic","start":1290.11,"end":1290.51,"confidence":0.99902344,"punctuated_word":"magic","sentiment":"neutral","sentiment_score":0.31213828921318054},{"word":"number","start":1290.51,"end":1290.91,"confidence":0.9597168,"punctuated_word":"number,","sentiment":"neutral","sentiment_score":0.22982649505138397},{"word":"which","start":1290.91,"end":1291.31,"confidence":0.8430176,"punctuated_word":"which,","sentiment":"neutral","sentiment_score":0.24217332899570465},{"word":"i","start":1291.31,"end":1291.39,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.27470698952674866},{"word":"mean","start":1291.39,"end":1291.815,"confidence":0.99658203,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.27447301149368286},{"word":"is","start":1291.8949,"end":1292.0549,"confidence":0.8798828,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.435503214597702},{"word":"great","start":1292.0549,"end":1292.1749,"confidence":0.99902344,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.5629599690437317},{"word":"for","start":1292.1749,"end":1292.2949,"confidence":0.94628906,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4967670440673828},{"word":"me","start":1292.2949,"end":1292.5349,"confidence":0.94628906,"punctuated_word":"me,","sentiment":"positive","sentiment_score":0.40972980856895447},{"word":"but","start":1292.5349,"end":1292.855,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1484450399875641},{"word":"i'd","start":1292.855,"end":1293.0149,"confidence":0.9628906,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.012510990723967552},{"word":"prefer","start":1293.0149,"end":1293.335,"confidence":1.0,"punctuated_word":"prefer","sentiment":"neutral","sentiment_score":-0.08480766415596008},{"word":"to","start":1293.335,"end":1293.4149,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03036187589168549},{"word":"make","start":1293.4149,"end":1293.6549,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.02827267348766327},{"word":"sure","start":1293.6549,"end":1293.8949,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.05411718785762787},{"word":"that","start":1293.8949,"end":1294.0549,"confidence":0.86328125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11881229281425476},{"word":"the","start":1294.0549,"end":1294.215,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0479402095079422},{"word":"extra","start":1294.215,"end":1294.455,"confidence":0.99902344,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.08756646513938904},{"word":"money","start":1294.455,"end":1294.7749,"confidence":0.99902344,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.03926365077495575},{"word":"doesn't","start":1294.7749,"end":1295.2749,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.05310157686471939},{"word":"get","start":1296.455,"end":1296.695,"confidence":0.75341797,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.13689501583576202},{"word":"out","start":1296.695,"end":1296.855,"confidence":0.92822266,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.35049745440483093},{"word":"of","start":1296.855,"end":1297.0149,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.20781110227108},{"word":"my","start":1297.0149,"end":1297.1749,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.05371096730232239},{"word":"pocket","start":1297.1749,"end":1297.6749,"confidence":0.98339844,"punctuated_word":"pocket.","sentiment":"neutral","sentiment_score":-0.025546304881572723},{"word":"so","start":1297.8949,"end":1298.1349,"confidence":0.9604492,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19977033138275144},{"word":"that's","start":1298.1349,"end":1298.5349,"confidence":0.99658203,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.3173198699951172},{"word":"that's","start":1298.5349,"end":1298.7749,"confidence":0.95874023,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.4391448199748993},{"word":"just","start":1298.7749,"end":1298.9349,"confidence":0.9951172,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.35700052976608276},{"word":"what","start":1298.9349,"end":1299.1749,"confidence":0.9951172,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.3487524092197418},{"word":"i","start":1299.1749,"end":1299.2549,"confidence":0.9892578,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3892516493797302},{"word":"think","start":1299.2549,"end":1299.495,"confidence":0.98535156,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.3374427258968353},{"word":"we","start":1299.495,"end":1299.975,"confidence":0.9526367,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4132065176963806},{"word":"put","start":1299.975,"end":1300.215,"confidence":0.96435547,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.4751789569854736},{"word":"a","start":1300.215,"end":1300.2949,"confidence":0.9951172,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.48796117305755615},{"word":"plan","start":1300.2949,"end":1300.615,"confidence":0.99902344,"punctuated_word":"plan","sentiment":"positive","sentiment_score":0.4591177999973297},{"word":"in","start":1300.615,"end":1300.695,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.43921348452568054},{"word":"place","start":1300.695,"end":1301.0149,"confidence":1.0,"punctuated_word":"place","sentiment":"positive","sentiment_score":0.5153022408485413},{"word":"for","start":1301.0149,"end":1301.1749,"confidence":0.9970703,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.375185489654541},{"word":"that","start":1301.1749,"end":1301.495,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.33894091844558716},{"word":"when","start":1301.495,"end":1301.995,"confidence":0.9921875,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.34814369678497314},{"word":"when","start":1302.215,"end":1302.615,"confidence":0.9941406,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2851170301437378},{"word":"the","start":1302.615,"end":1302.7749,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27194151282310486},{"word":"time","start":1302.7749,"end":1303.0149,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.28448307514190674},{"word":"is","start":1303.0149,"end":1303.1749,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2666204571723938},{"word":"right","start":1303.1749,"end":1303.6749,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.2731000781059265},{"word":"so","start":1304.455,"end":1304.695,"confidence":0.39941406,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.5590713620185852},{"word":"we","start":1304.695,"end":1304.7749,"confidence":0.9760742,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.5028238892555237},{"word":"can","start":1304.7749,"end":1305.0149,"confidence":0.99902344,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.610675036907196},{"word":"do","start":1305.0149,"end":1305.095,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.6939754486083984},{"word":"that","start":1305.095,"end":1305.2549,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6462451815605164},{"word":"in","start":1305.2549,"end":1305.4149,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5137433409690857},{"word":"the","start":1305.4149,"end":1305.495,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.469792753458023},{"word":"next","start":1305.495,"end":1305.735,"confidence":1.0,"punctuated_word":"next","sentiment":"positive","sentiment_score":0.3668898344039917},{"word":"review","start":1305.735,"end":1306.235,"confidence":0.99853516,"punctuated_word":"review.","sentiment":"positive","sentiment_score":0.3440593481063843},{"word":"yes","start":1329.4651,"end":1329.9651,"confidence":0.7175293,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0345933698117733},{"word":"yeah","start":1354.9601,"end":1355.2001,"confidence":0.69970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09958522021770476},{"word":"exactly","start":1355.2001,"end":1355.7001,"confidence":0.9875488,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.10989593714475632},{"word":"in","start":1355.76,"end":1356.0,"confidence":0.9970703,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.07291912287473679},{"word":"my","start":1356.0,"end":1356.3201,"confidence":0.99609375,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.05147393420338631},{"word":"in","start":1356.3201,"end":1356.4,"confidence":0.921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06590401381254196},{"word":"my","start":1356.4,"end":1356.64,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.03877723962068558},{"word":"mind","start":1356.64,"end":1356.88,"confidence":0.9499512,"punctuated_word":"mind,","sentiment":"neutral","sentiment_score":0.0526922270655632},{"word":"if","start":1356.88,"end":1357.12,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.035408422350883484},{"word":"i","start":1357.12,"end":1357.2001,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06455912441015244},{"word":"can","start":1357.2001,"end":1357.3601,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08280731737613678},{"word":"move","start":1357.3601,"end":1357.52,"confidence":1.0,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.10466361045837402},{"word":"it","start":1357.52,"end":1357.68,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09016284346580504},{"word":"all","start":1357.68,"end":1357.8401,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.08507619053125381},{"word":"across","start":1357.8401,"end":1358.16,"confidence":1.0,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.09742719680070876},{"word":"and","start":1358.16,"end":1358.4,"confidence":0.71435547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08162203431129456},{"word":"we","start":1358.4,"end":1358.56,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10028202086687088},{"word":"end","start":1358.56,"end":1358.7201,"confidence":0.99316406,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.1436591595411301},{"word":"up","start":1358.7201,"end":1358.88,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.10174231231212616},{"word":"with","start":1358.88,"end":1359.38,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11217984557151794},{"word":"over","start":1359.76,"end":1360.0801,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.22238071262836456},{"word":"3,000,000","start":1360.0801,"end":1360.7201,"confidence":0.94104004,"punctuated_word":"3,000,000,","sentiment":"neutral","sentiment_score":0.122967928647995},{"word":"but","start":1360.7201,"end":1360.88,"confidence":0.9951172,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06483718752861023},{"word":"it's","start":1360.88,"end":1360.9601,"confidence":0.97680664,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.05652295798063278},{"word":"spread","start":1360.9601,"end":1361.4601,"confidence":0.99609375,"punctuated_word":"spread","sentiment":"neutral","sentiment_score":0.0892622098326683},{"word":"between","start":1361.8401,"end":1362.3401,"confidence":0.99609375,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.037544116377830505},{"word":"the","start":1362.56,"end":1362.7201,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11255312711000444},{"word":"two","start":1362.7201,"end":1362.88,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.11945383250713348},{"word":"of","start":1362.88,"end":1363.04,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14661771059036255},{"word":"us","start":1363.04,"end":1363.2001,"confidence":0.88012695,"punctuated_word":"us,","sentiment":"neutral","sentiment_score":0.16922970116138458},{"word":"that","start":1363.2001,"end":1363.3601,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2481822669506073},{"word":"makes","start":1363.3601,"end":1363.6001,"confidence":0.99902344,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.2068406641483307},{"word":"a","start":1363.6001,"end":1363.68,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26131343841552734},{"word":"lot","start":1363.68,"end":1363.8401,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.24016344547271729},{"word":"more","start":1363.8401,"end":1364.0801,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.148128941655159},{"word":"sense","start":1364.0801,"end":1364.5801,"confidence":0.9719238,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.15637809038162231},{"word":"yeah","start":1377.6849,"end":1378.1849,"confidence":0.796875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1269805133342743},{"word":"what","start":1432.575,"end":1432.735,"confidence":0.6870117,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.005991704761981964},{"word":"are","start":1432.735,"end":1432.895,"confidence":0.984375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.05611002817749977},{"word":"you","start":1432.895,"end":1433.0549,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.031857095658779144},{"word":"doing","start":1433.0549,"end":1433.5549,"confidence":0.99658203,"punctuated_word":"doing?","sentiment":"neutral","sentiment_score":-0.03857893496751785},{"word":"no","start":1438.35,"end":1438.67,"confidence":0.94628906,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06214218959212303},{"word":"that's","start":1438.67,"end":1438.91,"confidence":0.99609375,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.005229083355516195},{"word":"fine","start":1438.91,"end":1439.23,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":-0.03603680059313774},{"word":"no","start":1439.23,"end":1439.39,"confidence":0.9458008,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09890586137771606},{"word":"and","start":1439.39,"end":1439.63,"confidence":0.82910156,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.04536820948123932},{"word":"that's","start":1439.63,"end":1439.87,"confidence":0.9760742,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.0410904698073864},{"word":"that's","start":1439.87,"end":1440.11,"confidence":0.97753906,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.056347232311964035},{"word":"probably","start":1440.11,"end":1440.27,"confidence":0.98535156,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.05699530243873596},{"word":"the","start":1440.27,"end":1440.43,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04977201670408249},{"word":"biggest","start":1440.43,"end":1440.83,"confidence":0.9951172,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":-0.05828354135155678},{"word":"question","start":1440.83,"end":1441.15,"confidence":0.9025879,"punctuated_word":"question.","sentiment":"neutral","sentiment_score":-0.043833713978528976},{"word":"and","start":1441.15,"end":1441.23,"confidence":0.9941406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.010346200317144394},{"word":"then","start":1441.23,"end":1441.73,"confidence":0.8095703,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.005478622391819954},{"word":"yeah","start":1442.11,"end":1442.35,"confidence":0.8183594,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.04570913314819336},{"word":"i","start":1442.35,"end":1442.51,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05031074583530426},{"word":"think","start":1442.51,"end":1442.75,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.03368208557367325},{"word":"the","start":1442.75,"end":1442.91,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.030388645827770233},{"word":"income","start":1442.91,"end":1443.23,"confidence":0.9790039,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.035863831639289856},{"word":"protection","start":1443.23,"end":1443.55,"confidence":0.95703125,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.02196286618709564},{"word":"is","start":1443.55,"end":1443.63,"confidence":0.72509766,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0029759928584098816},{"word":"the","start":1443.63,"end":1443.79,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01552119106054306},{"word":"one","start":1443.79,"end":1443.9501,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.006532497704029083},{"word":"that","start":1443.9501,"end":1444.03,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03121840208768845},{"word":"moves","start":1444.03,"end":1444.27,"confidence":0.5854492,"punctuated_word":"moves","sentiment":"neutral","sentiment_score":-0.01380418986082077},{"word":"that","start":1444.27,"end":1444.43,"confidence":0.95703125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.012275561690330504},{"word":"premium","start":1444.43,"end":1444.75,"confidence":0.9902344,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":-0.04388691484928131},{"word":"the","start":1444.75,"end":1444.91,"confidence":0.97314453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01113099604845047},{"word":"most","start":1444.91,"end":1445.15,"confidence":0.8483887,"punctuated_word":"most.","sentiment":"neutral","sentiment_score":-0.0047103241086006165},{"word":"so","start":1445.15,"end":1445.39,"confidence":0.93359375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03740789368748665},{"word":"just","start":1445.39,"end":1445.63,"confidence":0.7368164,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05664912238717079},{"word":"looking","start":1445.63,"end":1445.87,"confidence":0.9941406,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.034390464425086975},{"word":"at","start":1445.87,"end":1445.9501,"confidence":0.6459961,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.018534116446971893},{"word":"what","start":1445.9501,"end":1446.03,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03107926994562149},{"word":"we","start":1446.03,"end":1446.11,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05308140441775322},{"word":"can","start":1446.11,"end":1446.27,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04895434528589249},{"word":"do","start":1446.27,"end":1446.77,"confidence":0.9819336,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.04456198215484619},{"word":"yeah","start":1453.0651,"end":1453.385,"confidence":0.9445801,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07682912796735764},{"word":"okay","start":1453.385,"end":1453.885,"confidence":0.9248047,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06086968630552292},{"word":"no","start":1454.025,"end":1454.3451,"confidence":0.86083984,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.016692504286766052},{"word":"that","start":1454.3451,"end":1454.505,"confidence":0.9902344,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.13418762385845184},{"word":"makes","start":1454.505,"end":1454.7451,"confidence":0.9526367,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.10863148421049118},{"word":"sense","start":1454.7451,"end":1454.9851,"confidence":0.96313477,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.10237018764019012},{"word":"so","start":1454.9851,"end":1455.4851,"confidence":0.8071289,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06756854057312012},{"word":"we'll","start":1455.8651,"end":1456.265,"confidence":0.9663086,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.07207879424095154},{"word":"we'll","start":1456.265,"end":1456.425,"confidence":0.94018555,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.06115597486495972},{"word":"go","start":1456.425,"end":1456.665,"confidence":0.9902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.04964184761047363},{"word":"from","start":1456.665,"end":1456.905,"confidence":0.9863281,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.02360232174396515},{"word":"there","start":1456.905,"end":1457.145,"confidence":0.96533203,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.011506199836730955},{"word":"and","start":1457.145,"end":1457.645,"confidence":0.4802246,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.023799605667591095},{"word":"yeah","start":1466.5,"end":1467.0,"confidence":0.748291,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08147259801626205},{"word":"yep","start":1477.045,"end":1477.545,"confidence":0.7939453,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0621543824672699},{"word":"yeah","start":1486.405,"end":1486.725,"confidence":0.9367676,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.009336411952972412},{"word":"no","start":1486.725,"end":1486.965,"confidence":0.9160156,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04719071090221405},{"word":"that","start":1486.965,"end":1487.205,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.027261219918727875},{"word":"that","start":1487.205,"end":1487.365,"confidence":0.8491211,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05025014281272888},{"word":"makes","start":1487.365,"end":1487.685,"confidence":0.9921875,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.029350753873586655},{"word":"sense","start":1487.685,"end":1488.005,"confidence":0.98706055,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":-0.06105240806937218},{"word":"and","start":1488.005,"end":1488.505,"confidence":0.99121094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.023158684372901917},{"word":"is","start":1490.085,"end":1490.585,"confidence":0.82910156,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02686135843396187},{"word":"is","start":1492.0599,"end":1492.2999,"confidence":0.9741211,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03182727098464966},{"word":"there","start":1492.2999,"end":1492.7,"confidence":0.9951172,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.034862346947193146},{"word":"yeah","start":1493.2599,"end":1493.5,"confidence":0.9538574,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.04386865347623825},{"word":"there's","start":1493.5,"end":1493.7,"confidence":0.984375,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.026912380009889603},{"word":"a","start":1493.7,"end":1493.8999,"confidence":0.9716797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.017859579995274544},{"word":"light","start":1493.8999,"end":1494.3999,"confidence":0.7788086,"punctuated_word":"light.","sentiment":"neutral","sentiment_score":0.027892515063285828},{"word":"is","start":1495.74,"end":1496.0599,"confidence":0.78271484,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.0441494956612587},{"word":"there","start":1496.0599,"end":1496.5599,"confidence":0.97314453,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.04555826634168625},{"word":"have","start":1497.2599,"end":1497.5,"confidence":0.5551758,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05466306954622269},{"word":"you","start":1497.5,"end":1497.58,"confidence":0.97509766,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.036828141659498215},{"word":"guys","start":1497.58,"end":1497.82,"confidence":0.9873047,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.0509704127907753},{"word":"got","start":1497.82,"end":1497.98,"confidence":0.8852539,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0577150285243988},{"word":"any","start":1497.98,"end":1498.22,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.06707793474197388},{"word":"recommended","start":1498.22,"end":1498.7,"confidence":0.9707031,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.04179343581199646},{"word":"recommendations","start":1498.86,"end":1499.36,"confidence":0.9980469,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.0245450958609581},{"word":"for","start":1499.5,"end":1499.74,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03667902946472168},{"word":"a","start":1499.74,"end":1499.82,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.017316918820142746},{"word":"good","start":1499.82,"end":1499.98,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.009335458278656006},{"word":"accountant","start":1499.98,"end":1500.46,"confidence":0.9484863,"punctuated_word":"accountant?","sentiment":"neutral","sentiment_score":0.048374369740486145},{"word":"because","start":1500.46,"end":1500.86,"confidence":0.5917969,"punctuated_word":"Because,","sentiment":"neutral","sentiment_score":0.0014496203511953354},{"word":"yeah","start":1500.86,"end":1501.2599,"confidence":0.94921875,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.007194818928837776},{"word":"mine","start":1501.2599,"end":1501.4199,"confidence":0.47631836,"punctuated_word":"mine","sentiment":"neutral","sentiment_score":0.001067737117409706},{"word":"normally","start":1501.5,"end":1501.8999,"confidence":0.91259766,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":-0.005080804228782654},{"word":"only","start":1501.8999,"end":1502.3999,"confidence":0.7792969,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.05514024943113327},{"word":"mine's","start":1502.5399,"end":1502.86,"confidence":0.7675781,"punctuated_word":"mine's","sentiment":"neutral","sentiment_score":-0.050076767802238464},{"word":"normally","start":1502.86,"end":1503.34,"confidence":0.9716797,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":-0.08164617419242859},{"word":"only","start":1503.34,"end":1503.58,"confidence":0.95410156,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.07436352968215942},{"word":"yeah","start":1505.0651,"end":1505.305,"confidence":0.92871094,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.05649792030453682},{"word":"just","start":1505.305,"end":1505.625,"confidence":0.98828125,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.04880763590335846},{"word":"my","start":1505.625,"end":1506.025,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.06594793498516083},{"word":"my","start":1506.025,"end":1506.185,"confidence":0.98095703,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.07803675532341003},{"word":"wages","start":1506.185,"end":1506.5851,"confidence":0.81396484,"punctuated_word":"wages.","sentiment":"neutral","sentiment_score":-0.055927664041519165},{"word":"right","start":1506.5851,"end":1506.8251,"confidence":0.95288086,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":-0.04472693055868149},{"word":"because","start":1506.8251,"end":1507.0651,"confidence":0.43652344,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.1281818151473999},{"word":"i","start":1507.0651,"end":1507.145,"confidence":0.9428711,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13836424052715302},{"word":"don't","start":1507.145,"end":1507.305,"confidence":0.98657227,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.12864258885383606},{"word":"have","start":1507.305,"end":1507.805,"confidence":0.97998047,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.15805841982364657},{"word":"i","start":1508.105,"end":1508.265,"confidence":0.67822266,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13953755795955658},{"word":"don't","start":1508.265,"end":1508.425,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.14119014143943787},{"word":"have","start":1508.425,"end":1508.5851,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.16544854640960693},{"word":"an","start":1508.5851,"end":1508.745,"confidence":0.6381836,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.16822609305381775},{"word":"investment","start":1508.745,"end":1509.225,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.195074200630188},{"word":"portfolio","start":1509.225,"end":1509.7051,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.16499577462673187},{"word":"at","start":1509.7051,"end":1509.785,"confidence":0.9838867,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2368443459272385},{"word":"the","start":1509.785,"end":1509.865,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2074017971754074},{"word":"moment","start":1509.865,"end":1510.185,"confidence":0.8527832,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.20672371983528137},{"word":"don't","start":1510.185,"end":1510.345,"confidence":0.80249023,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":-0.16239657998085022},{"word":"have","start":1510.345,"end":1510.505,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1678972691297531},{"word":"investment","start":1510.505,"end":1510.985,"confidence":0.99609375,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.20671330392360687},{"word":"properties","start":1510.985,"end":1511.385,"confidence":0.79833984,"punctuated_word":"properties.","sentiment":"neutral","sentiment_score":-0.0601225271821022},{"word":"so","start":1511.385,"end":1511.4651,"confidence":0.5761719,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09212501347064972},{"word":"i've","start":1511.4651,"end":1511.545,"confidence":0.99560547,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.11953377723693848},{"word":"just","start":1511.545,"end":1511.785,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1412549465894699},{"word":"been","start":1511.785,"end":1512.185,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.14012350142002106},{"word":"running","start":1512.185,"end":1512.425,"confidence":0.96435547,"punctuated_word":"running","sentiment":"neutral","sentiment_score":0.157544806599617},{"word":"it","start":1512.425,"end":1512.505,"confidence":0.9819336,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15752582252025604},{"word":"myself","start":1512.505,"end":1512.905,"confidence":1.0,"punctuated_word":"myself","sentiment":"neutral","sentiment_score":0.18582287430763245},{"word":"with","start":1512.905,"end":1513.145,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.18333570659160617},{"word":"just","start":1513.145,"end":1513.545,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1892937272787094},{"word":"simple","start":1513.545,"end":1514.045,"confidence":0.95410156,"punctuated_word":"simple","sentiment":"neutral","sentiment_score":0.22838521003723145},{"word":"deductions","start":1514.185,"end":1514.685,"confidence":0.9091797,"punctuated_word":"deductions.","sentiment":"neutral","sentiment_score":0.12333393096923828},{"word":"so","start":1514.985,"end":1515.485,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12023650854825974},{"word":"that's","start":1516.105,"end":1516.605,"confidence":0.73706055,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1471918523311615},{"word":"also","start":1517.53,"end":1517.77,"confidence":0.9604492,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1223328560590744},{"word":"probably","start":1517.77,"end":1518.01,"confidence":0.96435547,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.14364993572235107},{"word":"buys","start":1518.01,"end":1518.25,"confidence":0.91503906,"punctuated_word":"buys","sentiment":"neutral","sentiment_score":0.09963272511959076},{"word":"me","start":1518.25,"end":1518.41,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.12110592424869536},{"word":"some","start":1518.41,"end":1518.57,"confidence":0.98291016,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.10458389669656754},{"word":"time","start":1518.57,"end":1518.8099,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1268482804298401},{"word":"for","start":1518.8099,"end":1518.97,"confidence":0.7651367,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1027655228972435},{"word":"when","start":1518.97,"end":1519.13,"confidence":0.88427734,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.10346683859825134},{"word":"i","start":1519.13,"end":1519.21,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10311053693294524},{"word":"need","start":1519.21,"end":1519.29,"confidence":0.99609375,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.0922662690281868},{"word":"to","start":1519.29,"end":1519.45,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10860270261764526},{"word":"submit","start":1519.45,"end":1519.95,"confidence":0.92822266,"punctuated_word":"submit.","sentiment":"neutral","sentiment_score":0.07622071355581284},{"word":"so","start":1520.57,"end":1521.07,"confidence":0.42114258,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0920795276761055},{"word":"yep","start":1526.09,"end":1526.59,"confidence":0.97721356,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.2536185681819916},{"word":"yeah","start":1538.025,"end":1538.345,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15097588300704956},{"word":"that's","start":1538.345,"end":1538.665,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2413170039653778},{"word":"fine","start":1538.665,"end":1539.165,"confidence":0.99316406,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.21606174111366272},{"word":"yeah","start":1551.42,"end":1551.92,"confidence":0.78393555,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1010637879371643},{"word":"yeah","start":1553.66,"end":1553.9,"confidence":0.72351074,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0904192179441452},{"word":"that's","start":1553.9,"end":1554.14,"confidence":0.9970703,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1519007831811905},{"word":"fine","start":1554.14,"end":1554.64,"confidence":0.9970703,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.15324591100215912},{"word":"that's","start":1567.155,"end":1567.395,"confidence":0.7524414,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1349065750837326},{"word":"it","start":1567.395,"end":1567.895,"confidence":0.9580078,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.1294717937707901},{"word":"awesome","start":1570.02,"end":1570.26,"confidence":0.970459,"punctuated_word":"Awesome.","sentiment":"neutral","sentiment_score":0.29372066259384155},{"word":"no","start":1570.26,"end":1570.5,"confidence":0.66748047,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.17232227325439453},{"word":"it","start":1570.5,"end":1570.58,"confidence":0.6533203,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.2159276008605957},{"word":"sounds","start":1570.58,"end":1570.82,"confidence":0.9580078,"punctuated_word":"sounds","sentiment":"neutral","sentiment_score":0.3176884651184082},{"word":"good","start":1570.82,"end":1571.32,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2617272138595581},{"word":"no","start":1596.8049,"end":1596.965,"confidence":0.79003906,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.0946325957775116},{"word":"that's","start":1596.965,"end":1597.32,"confidence":0.9909668,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.24165594577789307},{"word":"great","start":1597.32,"end":1597.5599,"confidence":0.970459,"punctuated_word":"great.","sentiment":"neutral","sentiment_score":0.2741532325744629},{"word":"and","start":1597.5599,"end":1597.72,"confidence":0.7998047,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.14476552605628967},{"word":"i","start":1597.72,"end":1597.7999,"confidence":0.2770996,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14515253901481628},{"word":"look","start":1597.7999,"end":1598.12,"confidence":0.5786133,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.15957152843475342},{"word":"i","start":1598.2799,"end":1598.5199,"confidence":0.9194336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17046283185482025},{"word":"i","start":1598.5199,"end":1598.6,"confidence":0.7421875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15040798485279083},{"word":"think","start":1598.6,"end":1598.84,"confidence":0.9980469,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.1844470500946045},{"word":"that","start":1598.84,"end":1599.0,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16741546988487244},{"word":"made","start":1599.0,"end":1599.24,"confidence":0.9980469,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.1642158180475235},{"word":"it","start":1599.24,"end":1599.3999,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2015988528728485},{"word":"easy","start":1599.3999,"end":1599.6399,"confidence":0.8745117,"punctuated_word":"easy","sentiment":"neutral","sentiment_score":0.2054353952407837},{"word":"and","start":1599.6399,"end":1599.88,"confidence":0.82177734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15094810724258423},{"word":"then","start":1599.88,"end":1599.96,"confidence":0.55322266,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.17127296328544617},{"word":"i","start":1599.96,"end":1600.12,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1414002627134323},{"word":"could","start":1600.12,"end":1600.2799,"confidence":0.9892578,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.2203698456287384},{"word":"ask","start":1600.2799,"end":1600.5199,"confidence":0.9970703,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.1781255155801773},{"word":"questions","start":1600.5199,"end":1601.0,"confidence":0.9970703,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.17523181438446045},{"word":"beforehand","start":1601.0,"end":1601.5,"confidence":0.83569336,"punctuated_word":"beforehand.","sentiment":"neutral","sentiment_score":0.16439390182495117},{"word":"so","start":1601.5599,"end":1601.72,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.105216346681118},{"word":"that","start":1601.72,"end":1601.88,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15503202378749847},{"word":"that","start":1601.88,"end":1602.0399,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14415378868579865},{"word":"was","start":1602.0399,"end":1602.2799,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.10738254338502884},{"word":"really","start":1602.2799,"end":1602.5199,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5521318912506104},{"word":"appreciated","start":1602.5199,"end":1603.0199,"confidence":0.9182129,"punctuated_word":"appreciated.","sentiment":"positive","sentiment_score":0.493188738822937},{"word":"so","start":1603.08,"end":1603.24,"confidence":0.96972656,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3436756730079651},{"word":"thank","start":1603.24,"end":1603.3999,"confidence":0.9892578,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.5152922868728638},{"word":"you","start":1603.3999,"end":1603.8999,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2987000644207001},{"word":"right","start":1612.2799,"end":1612.44,"confidence":0.73217773,"punctuated_word":"Right.","sentiment":"positive","sentiment_score":0.4744630753993988},{"word":"thank","start":1612.44,"end":1612.6799,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7504016757011414},{"word":"you","start":1612.6799,"end":1612.84,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7938387393951416},{"word":"very","start":1612.84,"end":1613.08,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.756553590297699},{"word":"much","start":1613.08,"end":1613.295,"confidence":0.99902344,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.705649733543396},{"word":"you","start":1613.4551,"end":1613.6951,"confidence":0.99902344,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.42362716794013977},{"word":"too","start":1613.6951,"end":1614.0951,"confidence":0.95874023,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.3695836067199707},{"word":"and","start":1614.0951,"end":1614.255,"confidence":0.93847656,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1519448310136795},{"word":"i","start":1614.255,"end":1614.3351,"confidence":0.98535156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.29362592101097107},{"word":"hope","start":1614.3351,"end":1614.4551,"confidence":0.9951172,"punctuated_word":"hope","sentiment":"neutral","sentiment_score":0.3219783902168274},{"word":"i","start":1614.4551,"end":1614.5751,"confidence":0.5463867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.29120007157325745},{"word":"hope","start":1614.5751,"end":1614.735,"confidence":1.0,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.36163461208343506},{"word":"you","start":1614.735,"end":1614.8151,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.35195666551589966},{"word":"have","start":1614.8151,"end":1614.9751,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5042198896408081},{"word":"a","start":1614.9751,"end":1615.055,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5152565836906433},{"word":"great","start":1615.055,"end":1615.2151,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.6863626837730408},{"word":"time","start":1615.2151,"end":1615.4551,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.5984771847724915},{"word":"off","start":1615.4551,"end":1615.9551,"confidence":0.9951172,"punctuated_word":"off.","sentiment":"positive","sentiment_score":0.5955196619033813},{"word":"great","start":1626.175,"end":1626.655,"confidence":0.7741699,"punctuated_word":"Great.","sentiment":"positive","sentiment_score":0.7796875834465027},{"word":"thank","start":1626.655,"end":1626.895,"confidence":0.9980469,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7994318008422852},{"word":"you","start":1626.895,"end":1627.055,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8484172224998474},{"word":"very","start":1627.055,"end":1627.295,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.8218690752983093},{"word":"much","start":1627.295,"end":1627.59,"confidence":1.0,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.8250432014465332},{"word":"thanks","start":1631.99,"end":1632.49,"confidence":0.9863281,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.7146425843238831},{"word":"you","start":1633.11,"end":1633.4299,"confidence":0.96972656,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.5765735507011414},{"word":"too","start":1633.4299,"end":1633.9299,"confidence":0.99853516,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.4084084033966065},{"word":"bye","start":1634.47,"end":1634.97,"confidence":0.9284668,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.20598118007183075}],"paragraphs":{"transcript":"\nHello. May I speak Good. Good, Donna. How are you? Yeah.\n\nIt's all good. Yep. Yep. Matthew Alexander Stevenson to Courtland Street, Salisbury, And 4th Of June 1986. Yeah.\n\nYou know, I thought that was great. That that was actually really helpful. Thank you. Even even though don't don't be worried about I was replying at 02:00 in the morning. It just so happened I fell asleep putting the kids to bed, and then I remembered that I had that that email to read through.\n\nSo yeah. Yeah. Yeah. Look. The the main reason for that, I'm just trying to at the moment, I'm I'm trying to rebuild up more of a capital position so I've got other stuff outside of outside of the super.\n\nBecause, I mean, the super looks healthy. Right? And the what I'm trying to figure out, and this is what I couldn't remember, and I was gonna file you back another email, and then thought it'd be quicker for us to chat now. Remind me what what triggers income protection that wouldn't have triggered, like, TPD or or trauma or things like that. I'm just wondering if that changes the if that changes the risk profile.\n\nBecause, I mean, if in theory, if I can't work because I've had trauma or PPD and that's stopped my ability to work, can I trigger those other causes first, and then that gives me the time to buy through to if I had the longer waiting period? But just so you know where my processing was going. Yeah. Yeah. Cool.\n\nOkay. Okay. Yep. Yeah. No.\n\nThat makes sense. So, I mean, if I left it where I am right now, it'd be me trying to if that situation that would occur that wouldn't normally trigger those, I guess I'd be down to what other options I'd have to do to cover expenses in the meantime and whether I can hope hope and bid my luck on, like, hardship permissions while I wait for that stuff to kick in, I guess, would be my only option. There's there's no guarantee that that would be would work either. Right? So I guess that's a risk position that I'd have to take if I don't change that waiting period for now.\n\nYep. Yeah. That's where it triggers all the extra things if I'm not back by then. Right? So so and I I don't want to cause more work for you, but I'm just thinking, do we do we seek that other one, that that alternate quote that would be to the two years maybe?\n\nAnd I'm just yeah. And I know that premiums are going up right now. I'm just the other the other part that's playing through my mind is that this would see an increase in that premium again. But if it's gonna keep increasing each year, like, what does it does it have a max cap out that that premium would reach per month? Because yeah.\n\nYeah. No. No. No. That's no.\n\nThat's alright. Yeah. No. That's fine. Because the way I look at it at the moment, I look at my insurances, and I mean, it's it's all for valid reasons.\n\nBut at the same time, these insurances are the ones that are probably eating the most out monthly. And I mean, there's good reason for that, but at the same time, it it it it still sucks out a bunch of cash flow at the moment. Well, look, this I'll I'll be going back to my budget last night. I'm like, oh, finally, they'd finished their final swimming lessons and then that would cover it. Right?\n\nLike, the the cost for last two in swimming lessons that that ends up equaling out to about what the premium would be. I'm like, oh, I can't remove that, but now I want the kids to swim. So, yeah, just trying to just trying to shift things around and try to rebuild everything, I guess, in my challenge right now. And, yeah, whether, yeah, I can see that see what that quote I mean, the the rest makes sense. So I guess the the change to the fixing up what's what's underperforming in that bit.\n\nThat all makes sense. I don't know whether we can separate that part of the device out while we fix up the rest of the insurance piece or not. But my other question my only question on that one was knowing where they're flirting with that $3,000,000 cap. Do at what point, and it doesn't have to be now, but it's probably something within the next review cycle, Happens. It's done.\n\nSorry. Hold on here as well. Okay. Ready. Are you trying to play as well, Patty?\n\nNo. Okay. Or you just have to wait for a second. I'll get it sorted out for you in a second. Okay?\n\nJust keep her happy, and then I'll go buy you something on my home. Mhmm. Yeah. Yeah. I ended up having kids with me when I went to drop the drop the drop the oldest up at Scuf.\n\nYeah. So where I was going with that was I'm just thinking and doesn't have to be in this review cycle, but something I probably need to think about is if they do put in that $3,000,000 piece, even if I looked at no more contributions going in by my calculations, I'm gonna exceed that 3,000,000 mark between now and when I retire. Right? So as as and that's that's working up a very modest growth rate as well and no further contributions. So what I was thinking was do is there a strategy we need to put in place to treat that?\n\nAnd maybe it's I start contributing to my wife's because she's got next to nothing. So then as a family unit, we have more, or is it, you know, is it going through those sort of thought processes for my super strategy as well? But I guess the thing is we don't know if have they passed the the three million one? Yeah. I I couldn't remember if it was actually still outstanding or not.\n\nYeah. Just just does everything in right. Yep. Yep. Yeah.\n\nI just do a transfer across. Right? Yeah. Yeah. Yeah.\n\nLook, it's it's definitely definitely wouldn't be at the moment because she's just I think she's still with her super her account. Probably would have went back to Australian super. I'm pretty sure. Well, because she was ex q super. Right?\n\nSo but her yeah. Time and trial trends. Yeah. That one. Sorry.\n\nYeah. Back to that one. So she yeah. Her super probably needs a bit of work, but, I mean, the the amount that she gets contributions, she's only doing, like, casual work at the moment where they are paying sleep to her, but it's, like, few and far between. And that's the other thing that we're trying to do.\n\nThat's the other reason I'm trying to watch the cash flow at the moment until she can be back at work, which hopefully the the youngest is in school again next year, who will even start school next year, which would give her more time to, hopefully get a get more of a salary. But a very, very careful plotting game for us at the moment because she can get carrier's allowance as long as we pick just underneath that $2.50 k house hold piece. And when I when I did estimate for my tax, it looks like I got an extra payment that has just pushed me over, which means I'm probably gonna have a debt to pay back to tax office, I'd imagine. So we're working through what that's possibly gonna look like, and I'm looking for other other claimable right now to see if I can lower that back down. Haven't spoken to an accountant about it yet.\n\nI'm I'm just looking at what the numbers look like and just on my own self estimate. But because, technically, I didn't have anything fancy in my piece, and I've only gone to $2.30. But because my bonus from my last company that I left got paid during the same financial year, I think it's pushed me over. It's sitting where was I sitting? I me by myself, I think I sat at the $2.52 mark, I think, for the for the gross.\n\nSo but then I yeah. Okay. Alright. Yeah. Okay.\n\nYeah. No. That's it. I'm on the bright side. At least I've got a healthy super balance for someone my age.\n\nSo that's the one one bright side. Right? Yeah. No. The the other part I'm worried about is it's more it's taking it would have taken us over the household income, which means they'll come after the the carers amount that they'd pay to us.\n\nSo that's there's there's ways and means to to work that out. So it's not cash flow prohibitive, but just means dealing with Centrelink, which is never fun. Bye. Mhmm. Okay.\n\nYep. Yeah. Okay. No. That makes sense.\n\nAnd with the additional medicals and everything, so if anything was to come out of any of that, could that mean that would just mean exclusions or what's the potential premium changes or not not not that I'm not that I'm really worried, but it's safe always at the back of your mind. Right? Yep. Yep. Yep.\n\nYeah. No. That makes sense. Yep. Yeah.\n\nSo it doesn't doesn't undo everything else. It's finally on the new yep. Yeah. Cool. Mhmm.\n\nNo. Like I said, the the super and everything made sense. So I just wanted to flag probably I'm I'm assuming because it's a healthy balance that, yeah, just even compound interest on that will be will take me over that magic number, which, I mean, is great for me, but I'd prefer to make sure that the extra money doesn't get out of my pocket. So that's that's just what I think we put a plan in place for that when when the time is right so we can do that in the next review. Yes.\n\nYeah. Exactly. In my in my mind, if I can move it all across and we end up with over 3,000,000, but it's spread between the two of us, that makes a lot more sense. Yeah. What are you doing?\n\nNo. That's fine. No. And that's that's probably the biggest question. And then, yeah, I think the income protection is the one that moves that premium the most.\n\nSo just looking at what we can do. Yeah. Okay. No. That makes sense.\n\nSo we'll we'll go from there and Yeah. Yep. Yeah. No. That that makes sense.\n\nAnd is is there yeah. There's a light. Is there have you guys got any recommended recommendations for a good accountant? Because, yeah, mine normally only mine's normally only yeah. Just my my wages.\n\nRight? Because I don't have I don't have an investment portfolio at the moment. Don't have investment properties. So I've just been running it myself with just simple deductions. So that's also probably buys me some time for when I need to submit.\n\nSo yep. Yeah. That's fine. Yeah. Yeah.\n\nThat's fine. That's it. Awesome. No. It sounds good.\n\nNo. That's great. And I look I I think that made it easy and then I could ask questions beforehand. So that that was really appreciated. So thank you.\n\nRight. Thank you very much. You too. And I hope I hope you have a great time off. Great.\n\nThank you very much. Thanks. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.36,"sentiment":"neutral","sentiment_score":0.03512153774499893},{"text":"May I speak Good.","start":1.36,"end":6.48,"sentiment":"neutral","sentiment_score":0.15001730807125568},{"text":"Good, Donna.","start":6.48,"end":6.7999997,"sentiment":"positive","sentiment_score":0.49236755073070526},{"text":"How are you?","start":6.7999997,"end":7.62,"sentiment":"positive","sentiment_score":0.3863409658273061},{"text":"Yeah.","start":16.655,"end":17.055,"sentiment":"neutral","sentiment_score":0.2558329701423645}],"sentiment":"neutral","sentiment_score":0.27588924901051953,"num_words":11,"start":1.04,"end":17.055},{"sentences":[{"text":"It's all good.","start":17.055,"end":17.955,"sentiment":"positive","sentiment_score":0.42823269963264465},{"text":"Yep.","start":26.255001,"end":26.755001,"sentiment":"neutral","sentiment_score":0.18971547484397888},{"text":"Yep.","start":33.5,"end":33.9,"sentiment":"neutral","sentiment_score":0.0349508598446846},{"text":"Matthew Alexander Stevenson to Courtland Street, Salisbury, And 4th Of June 1986.","start":33.9,"end":39.015,"sentiment":"neutral","sentiment_score":0.04007378391300639},{"text":"Yeah.","start":51.03,"end":51.53,"sentiment":"neutral","sentiment_score":0.209463894367218}],"sentiment":"neutral","sentiment_score":0.12220631860610512,"num_words":18,"start":17.055,"end":51.53},{"sentences":[{"text":"You know, I thought that was great.","start":63.91,"end":65.415,"sentiment":"positive","sentiment_score":0.46521266443388803},{"text":"That that was actually really helpful.","start":65.415,"end":66.615,"sentiment":"positive","sentiment_score":0.6143882970015208},{"text":"Thank you.","start":66.615,"end":67.354996,"sentiment":"positive","sentiment_score":0.49078911542892456},{"text":"Even even though don't don't be worried about I was replying at 02:00 in the morning.","start":67.495,"end":73.575,"sentiment":"neutral","sentiment_score":0.025921343476511538},{"text":"It just so happened I fell asleep putting the kids to bed, and then I remembered that I had that that email to read through.","start":73.575,"end":79.595,"sentiment":"neutral","sentiment_score":0.03829061433672905}],"sentiment":"neutral","sentiment_score":0.16600720567761787,"num_words":56,"start":63.91,"end":79.595},{"sentences":[{"text":"So yeah.","start":79.86,"end":84.840004,"sentiment":"neutral","sentiment_score":0.0061347829177975655},{"text":"Yeah.","start":86.58,"end":87.08,"sentiment":"neutral","sentiment_score":0.011180325411260128},{"text":"Yeah.","start":102.915,"end":103.415,"sentiment":"neutral","sentiment_score":-0.02161731943488121},{"text":"Look.","start":103.555,"end":103.875,"sentiment":"neutral","sentiment_score":-0.015234570018947124},{"text":"The the main reason for that, I'm just trying to at the moment, I'm I'm trying to rebuild up more of a capital position so I've got other stuff outside of outside of the super.","start":103.875,"end":116.84,"sentiment":"neutral","sentiment_score":0.02162660365658147}],"sentiment":"neutral","sentiment_score":0.01858822824433446,"num_words":40,"start":79.86,"end":116.84},{"sentences":[{"text":"Because, I mean, the super looks healthy.","start":116.84,"end":118.28,"sentiment":"neutral","sentiment_score":0.24606386039938247},{"text":"Right?","start":118.28,"end":118.759995,"sentiment":"neutral","sentiment_score":0.06988527625799179},{"text":"And the what I'm trying to figure out, and this is what I couldn't remember, and I was gonna file you back another email, and then thought it'd be quicker for us to chat now.","start":118.759995,"end":128.105,"sentiment":"neutral","sentiment_score":-0.022999867796897888},{"text":"Remind me what what triggers income protection that wouldn't have triggered, like, TPD or or trauma or things like that.","start":129.36499,"end":138.85,"sentiment":"neutral","sentiment_score":-0.1084299448877573},{"text":"I'm just wondering if that changes the if that changes the risk profile.","start":138.85,"end":144.05,"sentiment":"neutral","sentiment_score":-0.15866795597741237}],"sentiment":"neutral","sentiment_score":-0.04268349209604295,"num_words":76,"start":116.84,"end":144.05},{"sentences":[{"text":"Because, I mean, if in theory, if I can't work because I've had trauma or PPD and that's stopped my ability to work, can I trigger those other causes first, and then that gives me the time to buy through to if I had the longer waiting period?","start":144.05,"end":161.05,"sentiment":"neutral","sentiment_score":-0.15821885488306484},{"text":"But just so you know where my processing was going.","start":161.05,"end":165.13,"sentiment":"neutral","sentiment_score":-0.037295385263860226},{"text":"Yeah.","start":165.13,"end":165.63,"sentiment":"neutral","sentiment_score":0.042975351214408875},{"text":"Yeah.","start":174.575,"end":175.075,"sentiment":"neutral","sentiment_score":-0.06533682346343994},{"text":"Cool.","start":186.255,"end":186.755,"sentiment":"neutral","sentiment_score":0.07303589582443237}],"sentiment":"neutral","sentiment_score":-0.1297833518598412,"num_words":61,"start":144.05,"end":186.755},{"sentences":[{"text":"Okay.","start":187.215,"end":187.53,"sentiment":"neutral","sentiment_score":-0.15211358666419983},{"text":"Okay.","start":200.49,"end":200.99,"sentiment":"neutral","sentiment_score":-0.08488122373819351},{"text":"Yep.","start":211.395,"end":211.895,"sentiment":"neutral","sentiment_score":-0.0168641097843647},{"text":"Yeah.","start":277.75,"end":277.99002,"sentiment":"neutral","sentiment_score":-0.06305092573165894},{"text":"No.","start":277.99002,"end":278.23,"sentiment":"neutral","sentiment_score":-0.25251027941703796}],"sentiment":"neutral","sentiment_score":-0.11388402506709099,"num_words":5,"start":187.215,"end":278.23},{"sentences":[{"text":"That makes sense.","start":278.23,"end":278.925,"sentiment":"neutral","sentiment_score":-0.12276516358057658},{"text":"So, I mean, if I left it where I am right now, it'd be me trying to if that situation that would occur that wouldn't normally trigger those, I guess I'd be down to what other options I'd have to do to cover expenses in the meantime and whether I can hope hope and bid my luck on, like, hardship permissions while I wait for that stuff to kick in, I guess, would be my only option.","start":279.00497,"end":304.96,"sentiment":"neutral","sentiment_score":-0.2175701233957495},{"text":"There's there's no guarantee that that would be would work either.","start":304.96,"end":309.855,"sentiment":"neutral","sentiment_score":-0.2936194295232946},{"text":"Right?","start":309.855,"end":310.095,"sentiment":"neutral","sentiment_score":-0.20791926980018616},{"text":"So I guess that's a risk position that I'd have to take if I don't change that waiting period for now.","start":310.095,"end":316.275,"sentiment":"negative","sentiment_score":-0.46381432882377077}],"sentiment":"neutral","sentiment_score":-0.26813299904486776,"num_words":113,"start":278.23,"end":316.275},{"sentences":[{"text":"Yep.","start":333.71002,"end":333.885,"sentiment":"neutral","sentiment_score":-0.10324808955192566},{"text":"Yeah.","start":347.405,"end":347.67,"sentiment":"negative","sentiment_score":-0.35765641927719116},{"text":"That's where it triggers all the extra things if I'm not back by then.","start":366.405,"end":369.205,"sentiment":"negative","sentiment_score":-0.3752528599330357},{"text":"Right?","start":369.205,"end":369.705,"sentiment":"neutral","sentiment_score":-0.07852458953857422},{"text":"So so and I I don't want to cause more work for you, but I'm just thinking, do we do we seek that other one, that that alternate quote that would be to the two years maybe?","start":369.925,"end":381.75998,"sentiment":"neutral","sentiment_score":-0.11556021053646062}],"sentiment":"neutral","sentiment_score":-0.186457350505171,"num_words":54,"start":333.71002,"end":381.75998},{"sentences":[{"text":"And I'm just yeah.","start":382.22,"end":384.62,"sentiment":"neutral","sentiment_score":-0.020580710377544165},{"text":"And I know that premiums are going up right now.","start":384.62,"end":388.505,"sentiment":"neutral","sentiment_score":-0.08070327341556549},{"text":"I'm just the other the other part that's playing through my mind is that this would see an increase in that premium again.","start":388.565,"end":395.365,"sentiment":"neutral","sentiment_score":-0.08925608205406563},{"text":"But if it's gonna keep increasing each year, like, what does it does it have a max cap out that that premium would reach per month?","start":395.365,"end":404.32,"sentiment":"neutral","sentiment_score":-0.11182448239280628},{"text":"Because yeah.","start":404.32,"end":406.18,"sentiment":"neutral","sentiment_score":-0.1867303103208542}],"sentiment":"neutral","sentiment_score":-0.0957406557809848,"num_words":65,"start":382.22,"end":406.18},{"sentences":[{"text":"Yeah.","start":441.24503,"end":441.48502,"sentiment":"neutral","sentiment_score":-0.07889145612716675},{"text":"No.","start":441.48502,"end":441.64502,"sentiment":"neutral","sentiment_score":-0.24627171456813812},{"text":"No.","start":441.64502,"end":441.80502,"sentiment":"neutral","sentiment_score":-0.2314164638519287},{"text":"No.","start":441.80502,"end":441.96503,"sentiment":"neutral","sentiment_score":-0.2446948289871216},{"text":"That's no.","start":441.96503,"end":444.605,"sentiment":"neutral","sentiment_score":-0.241478331387043}],"sentiment":"neutral","sentiment_score":-0.21403852105140686,"num_words":6,"start":441.24503,"end":444.605},{"sentences":[{"text":"That's alright.","start":444.605,"end":445.345,"sentiment":"neutral","sentiment_score":-0.03171340748667717},{"text":"Yeah.","start":453.97,"end":454.21,"sentiment":"neutral","sentiment_score":0.022411711513996124},{"text":"No.","start":454.21,"end":454.29,"sentiment":"neutral","sentiment_score":-0.05184970423579216},{"text":"That's fine.","start":454.29,"end":454.85,"sentiment":"neutral","sentiment_score":0.048717062920331955},{"text":"Because the way I look at it at the moment, I look at my insurances, and I mean, it's it's all for valid reasons.","start":454.85,"end":460.61,"sentiment":"neutral","sentiment_score":-0.03031243709847331}],"sentiment":"neutral","sentiment_score":-0.024097639073928197,"num_words":30,"start":444.605,"end":460.61},{"sentences":[{"text":"But at the same time, these insurances are the ones that are probably eating the most out monthly.","start":460.61,"end":467.01,"sentiment":"neutral","sentiment_score":-0.15042389184236526},{"text":"And I mean, there's good reason for that, but at the same time, it it it it still sucks out a bunch of cash flow at the moment.","start":467.01,"end":475.535,"sentiment":"neutral","sentiment_score":-0.2532949446301375},{"text":"Well, look, this I'll I'll be going back to my budget last night.","start":478.875,"end":482.795,"sentiment":"neutral","sentiment_score":-0.021584950485983148},{"text":"I'm like, oh, finally, they'd finished their final swimming lessons and then that would cover it.","start":482.795,"end":487.13,"sentiment":"neutral","sentiment_score":0.031894346058834344},{"text":"Right?","start":487.13,"end":487.53,"sentiment":"neutral","sentiment_score":0.032566316425800323}],"sentiment":"neutral","sentiment_score":-0.12549496060206652,"num_words":76,"start":460.61,"end":487.53},{"sentences":[{"text":"Like, the the cost for last two in swimming lessons that that ends up equaling out to about what the premium would be.","start":487.53,"end":494.49,"sentiment":"neutral","sentiment_score":-0.02519404539919418},{"text":"I'm like, oh, I can't remove that, but now I want the kids to swim.","start":494.49,"end":501.14502,"sentiment":"neutral","sentiment_score":0.01430890162785848},{"text":"So, yeah, just trying to just trying to shift things around and try to rebuild everything, I guess, in my challenge right now.","start":501.14502,"end":506.505,"sentiment":"neutral","sentiment_score":-0.0635042899976606},{"text":"And, yeah, whether, yeah, I can see that see what that quote I mean, the the rest makes sense.","start":506.505,"end":513.51,"sentiment":"neutral","sentiment_score":0.09866551564712274},{"text":"So I guess the the change to the fixing up what's what's underperforming in that bit.","start":513.51,"end":521.27,"sentiment":"neutral","sentiment_score":-0.19442439614795148}],"sentiment":"neutral","sentiment_score":-0.03189139302897578,"num_words":96,"start":487.53,"end":521.27},{"sentences":[{"text":"That all makes sense.","start":521.27,"end":522.345,"sentiment":"neutral","sentiment_score":0.03787054028362036},{"text":"I don't know whether we can separate that part of the device out while we fix up the rest of the insurance piece or not.","start":525.06494,"end":531.865,"sentiment":"neutral","sentiment_score":-0.0770490263402462},{"text":"But my other question my only question on that one was knowing where they're flirting with that $3,000,000 cap.","start":531.865,"end":540.77,"sentiment":"neutral","sentiment_score":-0.07171699620391193},{"text":"Do at what point, and it doesn't have to be now, but it's probably something within the next review cycle, Happens.","start":544.27,"end":552.78503,"sentiment":"neutral","sentiment_score":-0.04933207624015354},{"text":"It's done.","start":555.005,"end":555.585,"sentiment":"neutral","sentiment_score":0.03519586846232414}],"sentiment":"neutral","sentiment_score":-0.05778800407555741,"num_words":71,"start":521.27,"end":555.585},{"sentences":[{"text":"Sorry.","start":556.16504,"end":556.66504,"sentiment":"neutral","sentiment_score":-0.06203139573335648},{"text":"Hold on here as well.","start":557.245,"end":560.805,"sentiment":"neutral","sentiment_score":-0.02925223596394062},{"text":"Okay.","start":561.245,"end":561.745,"sentiment":"neutral","sentiment_score":0.1224103346467018},{"text":"Ready.","start":563.005,"end":563.505,"sentiment":"neutral","sentiment_score":0.11667244136333466},{"text":"Are you trying to play as well, Patty?","start":568.14996,"end":569.69,"sentiment":"neutral","sentiment_score":0.11682995222508907}],"sentiment":"neutral","sentiment_score":0.06033936364110559,"num_words":16,"start":556.16504,"end":569.69},{"sentences":[{"text":"No.","start":574.70996,"end":575.02997,"sentiment":"neutral","sentiment_score":-0.06583990156650543},{"text":"Okay.","start":575.02997,"end":575.43,"sentiment":"neutral","sentiment_score":0.0195973739027977},{"text":"Or you just have to wait for a second.","start":575.43,"end":576.70996,"sentiment":"neutral","sentiment_score":0.017611271805233426},{"text":"I'll get it sorted out for you in a second.","start":576.70996,"end":578.27496,"sentiment":"neutral","sentiment_score":0.2487949937582016},{"text":"Okay?","start":578.27496,"end":578.595,"sentiment":"positive","sentiment_score":0.34495803713798523}],"sentiment":"neutral","sentiment_score":0.13387122242288155,"num_words":22,"start":574.70996,"end":578.595},{"sentences":[{"text":"Just keep her happy, and then I'll go buy you something on my home.","start":578.595,"end":581.815,"sentiment":"positive","sentiment_score":0.5214205469403949},{"text":"Mhmm.","start":583.635,"end":584.135,"sentiment":"neutral","sentiment_score":0.063460573554039},{"text":"Yeah.","start":585.955,"end":586.195,"sentiment":"neutral","sentiment_score":0.05736172199249267},{"text":"Yeah.","start":586.195,"end":586.435,"sentiment":"neutral","sentiment_score":0.045340437442064285},{"text":"I ended up having kids with me when I went to drop the drop the drop the oldest up at Scuf.","start":586.435,"end":591.93,"sentiment":"neutral","sentiment_score":0.004639735223636741}],"sentiment":"neutral","sentiment_score":0.19903907446974986,"num_words":38,"start":578.595,"end":591.93},{"sentences":[{"text":"Yeah.","start":592.89,"end":593.21,"sentiment":"neutral","sentiment_score":0.029911158606410027},{"text":"So where I was going with that was I'm just thinking and doesn't have to be in this review cycle, but something I probably need to think about is if they do put in that $3,000,000 piece, even if I looked at no more contributions going in by my calculations, I'm gonna exceed that 3,000,000 mark between now and when I retire.","start":593.21,"end":617.005,"sentiment":"neutral","sentiment_score":-0.06696729422096283},{"text":"Right?","start":617.145,"end":617.465,"sentiment":"neutral","sentiment_score":-0.005911577492952347},{"text":"So as as and that's that's working up a very modest growth rate as well and no further contributions.","start":617.465,"end":626.94995,"sentiment":"neutral","sentiment_score":0.049347387136597386},{"text":"So what I was thinking was do is there a strategy we need to put in place to treat that?","start":627.32996,"end":638.22504,"sentiment":"neutral","sentiment_score":0.001334242895245552}],"sentiment":"neutral","sentiment_score":-0.03071541210763084,"num_words":103,"start":592.89,"end":638.22504},{"sentences":[{"text":"And maybe it's I start contributing to my wife's because she's got next to nothing.","start":638.22504,"end":645.12,"sentiment":"neutral","sentiment_score":-0.011802583560347557},{"text":"So then as a family unit, we have more, or is it, you know, is it going through those sort of thought processes for my super strategy as well?","start":645.12,"end":655.51996,"sentiment":"neutral","sentiment_score":0.045290107100174344},{"text":"But I guess the thing is we don't know if have they passed the the three million one?","start":655.51996,"end":661.405,"sentiment":"neutral","sentiment_score":-0.08675619711478551},{"text":"Yeah.","start":661.405,"end":661.72504,"sentiment":"neutral","sentiment_score":-0.07149023562669754},{"text":"I I couldn't remember if it was actually still outstanding or not.","start":661.72504,"end":664.54504,"sentiment":"neutral","sentiment_score":-0.0957479930172364}],"sentiment":"neutral","sentiment_score":-0.02194271129866441,"num_words":75,"start":638.22504,"end":664.54504},{"sentences":[{"text":"Yeah.","start":667.325,"end":667.72504,"sentiment":"neutral","sentiment_score":0.061508841812610626},{"text":"Just just does everything in right.","start":667.72504,"end":670.465,"sentiment":"neutral","sentiment_score":0.04829329438507557},{"text":"Yep.","start":700.28,"end":700.78,"sentiment":"neutral","sentiment_score":0.07426925003528595},{"text":"Yep.","start":705.8,"end":706.3,"sentiment":"neutral","sentiment_score":0.10740119218826294},{"text":"Yeah.","start":709.645,"end":709.805,"sentiment":"neutral","sentiment_score":0.0935872122645378}],"sentiment":"neutral","sentiment_score":0.06265262626111508,"num_words":10,"start":667.325,"end":709.805},{"sentences":[{"text":"I just do a transfer across.","start":709.805,"end":711.485,"sentiment":"neutral","sentiment_score":0.09344480372965336},{"text":"Right?","start":711.485,"end":711.985,"sentiment":"neutral","sentiment_score":0.07094721496105194},{"text":"Yeah.","start":712.125,"end":712.625,"sentiment":"neutral","sentiment_score":0.08539599180221558},{"text":"Yeah.","start":713.085,"end":713.585,"sentiment":"neutral","sentiment_score":0.27238747477531433},{"text":"Yeah.","start":735.03,"end":735.53,"sentiment":"neutral","sentiment_score":-0.056618377566337585}],"sentiment":"neutral","sentiment_score":0.09327811263501644,"num_words":10,"start":709.805,"end":735.53},{"sentences":[{"text":"Look, it's it's definitely definitely wouldn't be at the moment because she's just I think she's still with her super her account.","start":741.72504,"end":749.245,"sentiment":"neutral","sentiment_score":-0.1179427391087467},{"text":"Probably would have went back to Australian super.","start":749.245,"end":750.92505,"sentiment":"neutral","sentiment_score":-0.11841742135584354},{"text":"I'm pretty sure.","start":750.92505,"end":751.72504,"sentiment":"neutral","sentiment_score":-0.04820194964607557},{"text":"Well, because she was ex q super.","start":751.72504,"end":753.405,"sentiment":"neutral","sentiment_score":-0.011070785245725088},{"text":"Right?","start":753.405,"end":753.80505,"sentiment":"neutral","sentiment_score":0.000851532444357872}],"sentiment":"neutral","sentiment_score":-0.09178852303544195,"num_words":41,"start":741.72504,"end":753.80505},{"sentences":[{"text":"So but her yeah.","start":753.80505,"end":758.2,"sentiment":"neutral","sentiment_score":0.005624016281217337},{"text":"Time and trial trends.","start":758.2,"end":759.32,"sentiment":"neutral","sentiment_score":0.03837081231176853},{"text":"Yeah.","start":759.32,"end":759.56,"sentiment":"neutral","sentiment_score":-0.0014235377311706543},{"text":"That one.","start":759.56,"end":759.88,"sentiment":"neutral","sentiment_score":-0.023544026538729668},{"text":"Sorry.","start":759.88,"end":760.2,"sentiment":"neutral","sentiment_score":-0.04303288459777832}],"sentiment":"neutral","sentiment_score":0.007036236580461264,"num_words":12,"start":753.80505,"end":760.2},{"sentences":[{"text":"Yeah.","start":760.2,"end":760.52,"sentiment":"neutral","sentiment_score":-0.02035500481724739},{"text":"Back to that one.","start":760.52,"end":761.56,"sentiment":"neutral","sentiment_score":0.028790530283004045},{"text":"So she yeah.","start":761.56,"end":763.64,"sentiment":"neutral","sentiment_score":0.09065903723239899},{"text":"Her super probably needs a bit of work, but, I mean, the the amount that she gets contributions, she's only doing, like, casual work at the moment where they are paying sleep to her, but it's, like, few and far between.","start":763.64,"end":774.39496,"sentiment":"neutral","sentiment_score":-0.1372699383191946},{"text":"And that's the other thing that we're trying to do.","start":774.39496,"end":778.71497,"sentiment":"neutral","sentiment_score":-0.05492284521460533}],"sentiment":"neutral","sentiment_score":-0.0984832490715435,"num_words":59,"start":760.2,"end":778.71497},{"sentences":[{"text":"That's the other reason I'm trying to watch the cash flow at the moment until she can be back at work, which hopefully the the youngest is in school again next year, who will even start school next year, which would give her more time to, hopefully get a get more of a salary.","start":778.71497,"end":796.835,"sentiment":"neutral","sentiment_score":0.08930995660247626},{"text":"But a very, very careful plotting game for us at the moment because she can get carrier's allowance as long as we pick just underneath that $2.50 k house hold piece.","start":796.895,"end":810.1,"sentiment":"neutral","sentiment_score":0.17851788694820098},{"text":"And when I when I did estimate for my tax, it looks like I got an extra payment that has just pushed me over, which means I'm probably gonna have a debt to pay back to tax office, I'd imagine.","start":810.1,"end":822.34503,"sentiment":"negative","sentiment_score":-0.4074675800278783},{"text":"So we're working through what that's possibly gonna look like, and I'm looking for other other claimable right now to see if I can lower that back down.","start":824.165,"end":833.145,"sentiment":"neutral","sentiment_score":-0.20000936503389052},{"text":"Haven't spoken to an accountant about it yet.","start":842.14,"end":844.64,"sentiment":"neutral","sentiment_score":-0.17327366210520267}],"sentiment":"neutral","sentiment_score":-0.08030038861476857,"num_words":161,"start":778.71497,"end":844.64},{"sentences":[{"text":"I'm I'm just looking at what the numbers look like and just on my own self estimate.","start":844.94,"end":850.315,"sentiment":"neutral","sentiment_score":-0.048082805457798874},{"text":"But because, technically, I didn't have anything fancy in my piece, and I've only gone to $2.30.","start":850.315,"end":858.155,"sentiment":"neutral","sentiment_score":-0.24570875308092902},{"text":"But because my bonus from my last company that I left got paid during the same financial year, I think it's pushed me over.","start":858.155,"end":864.55,"sentiment":"negative","sentiment_score":-0.4218827448785305},{"text":"It's sitting where was I sitting?","start":870.69,"end":873.81,"sentiment":"neutral","sentiment_score":-0.11773245284954707},{"text":"I me by myself, I think I sat at the $2.52 mark, I think, for the for the gross.","start":873.81,"end":882.02496,"sentiment":"neutral","sentiment_score":-0.04202652945079737}],"sentiment":"neutral","sentiment_score":-0.20222578804213098,"num_words":83,"start":844.94,"end":882.02496},{"sentences":[{"text":"So but then I yeah.","start":882.02496,"end":885.32495,"sentiment":"neutral","sentiment_score":0.01939952503889799},{"text":"Okay.","start":905.735,"end":906.235,"sentiment":"neutral","sentiment_score":0.06294584274291992},{"text":"Alright.","start":906.615,"end":907.115,"sentiment":"neutral","sentiment_score":0.10436755418777466},{"text":"Yeah.","start":947.29004,"end":947.53,"sentiment":"neutral","sentiment_score":0.11853987723588943},{"text":"Okay.","start":947.53,"end":948.03,"sentiment":"neutral","sentiment_score":0.19648873805999756}],"sentiment":"neutral","sentiment_score":0.0643710708245635,"num_words":9,"start":882.02496,"end":948.03},{"sentences":[{"text":"Yeah.","start":952.225,"end":952.625,"sentiment":"neutral","sentiment_score":0.11299870908260344},{"text":"No.","start":952.625,"end":952.865,"sentiment":"neutral","sentiment_score":0.08436450362205505},{"text":"That's it.","start":952.865,"end":953.345,"sentiment":"neutral","sentiment_score":0.11024259030818939},{"text":"I'm on the bright side.","start":953.345,"end":954.14496,"sentiment":"positive","sentiment_score":0.3998451352119446},{"text":"At least I've got a healthy super balance for someone my age.","start":954.14496,"end":957.105,"sentiment":"positive","sentiment_score":0.37353216235836345}],"sentiment":"neutral","sentiment_score":0.32854571512767244,"num_words":21,"start":952.225,"end":957.105},{"sentences":[{"text":"So that's the one one bright side.","start":957.105,"end":959.90497,"sentiment":"neutral","sentiment_score":0.26228752519403187},{"text":"Right?","start":959.90497,"end":960.40497,"sentiment":"neutral","sentiment_score":0.14016908407211304},{"text":"Yeah.","start":960.625,"end":960.94495,"sentiment":"neutral","sentiment_score":0.05372243374586105},{"text":"No.","start":960.94495,"end":961.26495,"sentiment":"neutral","sentiment_score":-0.05781134217977524},{"text":"The the other part I'm worried about is it's more it's taking it would have taken us over the household income, which means they'll come after the the carers amount that they'd pay to us.","start":961.26495,"end":972.27997,"sentiment":"neutral","sentiment_score":-0.20016429509435382}],"sentiment":"neutral","sentiment_score":-0.11185905502902137,"num_words":45,"start":957.105,"end":972.27997},{"sentences":[{"text":"So that's there's there's ways and means to to work that out.","start":972.27997,"end":976.04,"sentiment":"neutral","sentiment_score":-0.0909825386479497},{"text":"So it's not cash flow prohibitive, but just means dealing with Centrelink, which is never fun.","start":976.04,"end":982.505,"sentiment":"neutral","sentiment_score":-0.2697927176486701},{"text":"Bye.","start":984.645,"end":985.145,"sentiment":"neutral","sentiment_score":-0.2174461930990219},{"text":"Mhmm.","start":1004.22,"end":1004.415,"sentiment":"neutral","sentiment_score":0.017339255660772324},{"text":"Okay.","start":1008.255,"end":1008.755,"sentiment":"neutral","sentiment_score":0.192583829164505}],"sentiment":"neutral","sentiment_score":-0.1747095824008988,"num_words":31,"start":972.27997,"end":1008.755},{"sentences":[{"text":"Yep.","start":1069.735,"end":1070.235,"sentiment":"neutral","sentiment_score":0.06360407173633575},{"text":"Yeah.","start":1070.615,"end":1070.9349,"sentiment":"neutral","sentiment_score":0.05711565911769867},{"text":"Okay.","start":1070.9349,"end":1071.2549,"sentiment":"neutral","sentiment_score":0.019060388207435608},{"text":"No.","start":1071.2549,"end":1071.4149,"sentiment":"neutral","sentiment_score":-0.1277871131896973},{"text":"That makes sense.","start":1071.4149,"end":1072.1349,"sentiment":"neutral","sentiment_score":-0.03494644661744436}],"sentiment":"neutral","sentiment_score":-0.013263761997222904,"num_words":7,"start":1069.735,"end":1072.1349},{"sentences":[{"text":"And with the additional medicals and everything, so if anything was to come out of any of that, could that mean that would just mean exclusions or what's the potential premium changes or not not not that I'm not that I'm really worried, but it's safe always at the back of your mind.","start":1072.1349,"end":1091.985,"sentiment":"neutral","sentiment_score":-0.2119128115053447},{"text":"Right?","start":1091.985,"end":1092.485,"sentiment":"neutral","sentiment_score":0.01915702596306801},{"text":"Yep.","start":1136.74,"end":1137.24,"sentiment":"neutral","sentiment_score":0.01179291307926178},{"text":"Yep.","start":1150.515,"end":1150.74,"sentiment":"neutral","sentiment_score":-0.021027132868766785},{"text":"Yep.","start":1174.115,"end":1174.615,"sentiment":"neutral","sentiment_score":-0.008668361231684685}],"sentiment":"neutral","sentiment_score":-0.1970197292077437,"num_words":57,"start":1072.1349,"end":1174.615},{"sentences":[{"text":"Yeah.","start":1212.0,"end":1212.24,"sentiment":"neutral","sentiment_score":0.003868728876113891},{"text":"No.","start":1212.24,"end":1212.4,"sentiment":"neutral","sentiment_score":-0.07500670850276947},{"text":"That makes sense.","start":1212.4,"end":1213.095,"sentiment":"neutral","sentiment_score":0.011181867371002832},{"text":"Yep.","start":1213.4149,"end":1213.9149,"sentiment":"neutral","sentiment_score":0.09062882512807846},{"text":"Yeah.","start":1231.51,"end":1231.83,"sentiment":"neutral","sentiment_score":0.11918043345212936}],"sentiment":"neutral","sentiment_score":0.02460241158093725,"num_words":7,"start":1212.0,"end":1231.83},{"sentences":[{"text":"So it doesn't doesn't undo everything else.","start":1231.83,"end":1233.59,"sentiment":"neutral","sentiment_score":0.010788360344512122},{"text":"It's finally on the new yep.","start":1233.59,"end":1235.61,"sentiment":"neutral","sentiment_score":-0.040709823137149215},{"text":"Yeah.","start":1261.7899,"end":1262.2899,"sentiment":"neutral","sentiment_score":0.2128172218799591},{"text":"Cool.","start":1262.6699,"end":1263.1699,"sentiment":"positive","sentiment_score":0.4972444772720337},{"text":"Mhmm.","start":1265.23,"end":1265.685,"sentiment":"neutral","sentiment_score":0.24476012587547305}],"sentiment":"neutral","sentiment_score":0.04913008803850971,"num_words":16,"start":1231.83,"end":1265.685},{"sentences":[{"text":"No.","start":1275.045,"end":1275.545,"sentiment":"neutral","sentiment_score":-0.0515938475728035},{"text":"Like I said, the the super and everything made sense.","start":1275.685,"end":1278.43,"sentiment":"neutral","sentiment_score":0.03703335933387279},{"text":"So I just wanted to flag probably I'm I'm assuming because it's a healthy balance that, yeah, just even compound interest on that will be will take me over that magic number, which, I mean, is great for me, but I'd prefer to make sure that the extra money doesn't get out of my pocket.","start":1278.43,"end":1297.6749,"sentiment":"neutral","sentiment_score":0.12133905538781123},{"text":"So that's that's just what I think we put a plan in place for that when when the time is right so we can do that in the next review.","start":1297.8949,"end":1306.235,"sentiment":"positive","sentiment_score":0.4109823654095332},{"text":"Yes.","start":1329.4651,"end":1329.9651,"sentiment":"neutral","sentiment_score":0.0345933698117733}],"sentiment":"neutral","sentiment_score":0.19955105282673516,"num_words":97,"start":1275.045,"end":1329.9651},{"sentences":[{"text":"Yeah.","start":1354.9601,"end":1355.2001,"sentiment":"neutral","sentiment_score":0.09958522021770476},{"text":"Exactly.","start":1355.2001,"end":1355.7001,"sentiment":"neutral","sentiment_score":0.10989593714475632},{"text":"In my in my mind, if I can move it all across and we end up with over 3,000,000, but it's spread between the two of us, that makes a lot more sense.","start":1355.76,"end":1364.5801,"sentiment":"neutral","sentiment_score":0.11465857415036722},{"text":"Yeah.","start":1377.6849,"end":1378.1849,"sentiment":"neutral","sentiment_score":0.1269805133342743},{"text":"What are you doing?","start":1432.575,"end":1433.5549,"sentiment":"neutral","sentiment_score":-0.03313444089144468}],"sentiment":"neutral","sentiment_score":0.09969142135232686,"num_words":40,"start":1354.9601,"end":1433.5549},{"sentences":[{"text":"No.","start":1438.35,"end":1438.67,"sentiment":"neutral","sentiment_score":-0.06214218959212303},{"text":"That's fine.","start":1438.67,"end":1439.23,"sentiment":"neutral","sentiment_score":-0.015403858618810773},{"text":"No.","start":1439.23,"end":1439.39,"sentiment":"neutral","sentiment_score":-0.09890586137771606},{"text":"And that's that's probably the biggest question.","start":1439.39,"end":1441.15,"sentiment":"neutral","sentiment_score":-0.05024149801049914},{"text":"And then, yeah, I think the income protection is the one that moves that premium the most.","start":1441.15,"end":1445.15,"sentiment":"neutral","sentiment_score":0.003608539590940756}],"sentiment":"neutral","sentiment_score":-0.017221467186962918,"num_words":28,"start":1438.35,"end":1445.15},{"sentences":[{"text":"So just looking at what we can do.","start":1445.15,"end":1446.77,"sentiment":"neutral","sentiment_score":0.04058232484385371},{"text":"Yeah.","start":1453.0651,"end":1453.385,"sentiment":"neutral","sentiment_score":0.07682912796735764},{"text":"Okay.","start":1453.385,"end":1453.885,"sentiment":"neutral","sentiment_score":0.06086968630552292},{"text":"No.","start":1454.025,"end":1454.3451,"sentiment":"neutral","sentiment_score":0.016692504286766052},{"text":"That makes sense.","start":1454.3451,"end":1454.9851,"sentiment":"neutral","sentiment_score":0.11506309856971104}],"sentiment":"neutral","sentiment_score":0.05887422950140068,"num_words":14,"start":1445.15,"end":1454.9851},{"sentences":[{"text":"So we'll we'll go from there and Yeah.","start":1454.9851,"end":1467.0,"sentiment":"neutral","sentiment_score":0.04885323531925678},{"text":"Yep.","start":1477.045,"end":1477.545,"sentiment":"neutral","sentiment_score":0.0621543824672699},{"text":"Yeah.","start":1486.405,"end":1486.725,"sentiment":"neutral","sentiment_score":-0.009336411952972412},{"text":"No.","start":1486.725,"end":1486.965,"sentiment":"neutral","sentiment_score":-0.04719071090221405},{"text":"That that makes sense.","start":1486.965,"end":1488.005,"sentiment":"neutral","sentiment_score":0.011452427133917809}],"sentiment":"neutral","sentiment_score":0.029484190046787262,"num_words":15,"start":1454.9851,"end":1488.005},{"sentences":[{"text":"And is is there yeah.","start":1488.005,"end":1493.5,"sentiment":"neutral","sentiment_score":0.032115662842988967},{"text":"There's a light.","start":1493.5,"end":1494.3999,"sentiment":"neutral","sentiment_score":0.024221491689483326},{"text":"Is there have you guys got any recommended recommendations for a good accountant?","start":1495.74,"end":1500.46,"sentiment":"neutral","sentiment_score":0.04115435824944423},{"text":"Because, yeah, mine normally only mine's normally only yeah.","start":1500.46,"end":1505.305,"sentiment":"neutral","sentiment_score":-0.034788141027092934},{"text":"Just my my wages.","start":1505.305,"end":1506.5851,"sentiment":"neutral","sentiment_score":-0.06217999756336212}],"sentiment":"neutral","sentiment_score":0.006071652559673085,"num_words":34,"start":1488.005,"end":1506.5851},{"sentences":[{"text":"Right?","start":1506.5851,"end":1506.8251,"sentiment":"neutral","sentiment_score":-0.04472693055868149},{"text":"Because I don't have I don't have an investment portfolio at the moment.","start":1506.8251,"end":1510.185,"sentiment":"neutral","sentiment_score":-0.16759148010840783},{"text":"Don't have investment properties.","start":1510.185,"end":1511.385,"sentiment":"neutral","sentiment_score":-0.1492824200540781},{"text":"So I've just been running it myself with just simple deductions.","start":1511.385,"end":1514.685,"sentiment":"neutral","sentiment_score":0.15620721063830637},{"text":"So that's also probably buys me some time for when I need to submit.","start":1514.985,"end":1519.95,"sentiment":"neutral","sentiment_score":0.11228675448468753}],"sentiment":"neutral","sentiment_score":0.010924372735411622,"num_words":43,"start":1506.5851,"end":1519.95},{"sentences":[{"text":"So yep.","start":1520.57,"end":1526.59,"sentiment":"neutral","sentiment_score":0.17284904792904854},{"text":"Yeah.","start":1538.025,"end":1538.345,"sentiment":"neutral","sentiment_score":0.15097588300704956},{"text":"That's fine.","start":1538.345,"end":1539.165,"sentiment":"neutral","sentiment_score":0.22868937253952026},{"text":"Yeah.","start":1551.42,"end":1551.92,"sentiment":"neutral","sentiment_score":0.1010637879371643},{"text":"Yeah.","start":1553.66,"end":1553.9,"sentiment":"neutral","sentiment_score":0.0904192179441452}],"sentiment":"neutral","sentiment_score":0.16364796140364238,"num_words":7,"start":1520.57,"end":1553.9},{"sentences":[{"text":"That's fine.","start":1553.9,"end":1554.64,"sentiment":"neutral","sentiment_score":0.1525733470916748},{"text":"That's it.","start":1567.155,"end":1567.895,"sentiment":"neutral","sentiment_score":0.13218918442726135},{"text":"Awesome.","start":1570.02,"end":1570.26,"sentiment":"neutral","sentiment_score":0.29372066259384155},{"text":"No.","start":1570.26,"end":1570.5,"sentiment":"neutral","sentiment_score":0.17232227325439453},{"text":"It sounds good.","start":1570.5,"end":1571.32,"sentiment":"neutral","sentiment_score":0.265114426612854}],"sentiment":"neutral","sentiment_score":0.20343458652496338,"num_words":9,"start":1553.9,"end":1571.32},{"sentences":[{"text":"No.","start":1596.8049,"end":1596.965,"sentiment":"neutral","sentiment_score":0.0946325957775116},{"text":"That's great.","start":1596.965,"end":1597.5599,"sentiment":"neutral","sentiment_score":0.257904589176178},{"text":"And I look I I think that made it easy and then I could ask questions beforehand.","start":1597.5599,"end":1601.5,"sentiment":"neutral","sentiment_score":0.17030678864787607},{"text":"So that that was really appreciated.","start":1601.5599,"end":1603.0199,"sentiment":"neutral","sentiment_score":0.25951755543549854},{"text":"So thank you.","start":1603.08,"end":1603.8999,"sentiment":"positive","sentiment_score":0.38588934143384296}],"sentiment":"neutral","sentiment_score":0.21449760476063037,"num_words":29,"start":1596.8049,"end":1603.8999},{"sentences":[{"text":"Right.","start":1612.2799,"end":1612.44,"sentiment":"positive","sentiment_score":0.4744630753993988},{"text":"Thank you very much.","start":1612.44,"end":1613.295,"sentiment":"positive","sentiment_score":0.7516109347343445},{"text":"You too.","start":1613.4551,"end":1614.0951,"sentiment":"positive","sentiment_score":0.39660538733005524},{"text":"And I hope I hope you have a great time off.","start":1614.0951,"end":1615.9551,"sentiment":"positive","sentiment_score":0.42474331774494867},{"text":"Great.","start":1626.175,"end":1626.655,"sentiment":"positive","sentiment_score":0.7796875834465027}],"sentiment":"positive","sentiment_score":0.5118937719809381,"num_words":19,"start":1612.2799,"end":1626.655},{"sentences":[{"text":"Thank you very much.","start":1626.655,"end":1627.59,"sentiment":"positive","sentiment_score":0.8236903250217438},{"text":"Thanks.","start":1631.99,"end":1632.49,"sentiment":"positive","sentiment_score":0.7146425843238831},{"text":"You too.","start":1633.11,"end":1633.9299,"sentiment":"positive","sentiment_score":0.4924909770488739},{"text":"Bye.","start":1634.47,"end":1634.97,"sentiment":"neutral","sentiment_score":0.20598118007183075}],"sentiment":"positive","sentiment_score":0.6500458773225546,"num_words":8,"start":1626.655,"end":1634.97}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. May I speak\n\nChannel 0: Hi, Matthew. It's Zena from OQ Financial. How are you this afternoon?\n\nChannel 1: Good. Good, Donna. How are you?\n\nChannel 0: I'm very well. Thank you. I just had you booked in just to have a bit quick bit of a quick catch up, in relation to your advice document that I sent through earlier. Is now still a good time there for you?\n\nChannel 1: Yeah. It's all good.\n\nChannel 0: Yeah. Fantastic. Before I jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. And just to do a quick security check there for you, just to confirm your full name, your date of birth, and address I should have on file as well.\n\nChannel 1: Yep. Matthew Alexander Stevenson to Courtland\n\nChannel 0: Yep.\n\nChannel 1: Street, Salisbury, And 4th Of June 1986.\n\nChannel 0: Lovely. Thank you so much for that. I know you are really busy, so I figured sending that through to you and then having the presentation done by email essentially kind of outlines everything so you can read it in your own time. I\n\nChannel 1: Yeah.\n\nChannel 0: figured that might be a lot easier for you there, and then we just have this catch up to sort of discuss what it is that's being recommended, what your thoughts are, see if you have any additional questions, and then you get to decide what you wanna do. How does that sound?\n\nChannel 1: You know, I thought that was great. That that was actually really helpful. Thank you.\n\nChannel 0: Oh,\n\nChannel 1: Even\n\nChannel 0: that's\n\nChannel 1: even\n\nChannel 0: okay.\n\nChannel 1: though don't don't be worried about I was replying at 02:00 in the morning. It just so happened I fell asleep putting the kids to bed, and then I remembered that I had that that email to read through. So\n\nChannel 0: Yeah. No. That's okay. I saw that, and I thought, look. Maybe you're a workaholic, Mike.\n\nChannel 1: yeah.\n\nChannel 0: Me. I don't judge there. Don't worry in any\n\nChannel 1: Yeah.\n\nChannel 0: way, shape, or form. But, no. Honestly, it's not a problem at all. But thank you so much for going through and having a look at that. I do appreciate it.\n\nI know one of the things that you sort of brought up for me was, obviously, the concern around around the expenses with regard to the the out of pocket portion.\n\nChannel 1: Yeah. Look. The the main reason for that, I'm just trying to at the moment,\n\nChannel 0: Yeah.\n\nChannel 1: I'm I'm trying to rebuild up more of a capital position so I've got other stuff outside of outside of the super. Because, I mean, the super looks healthy.\n\nChannel 0: Yeah.\n\nChannel 1: Right? And\n\nChannel 0: Yeah.\n\nChannel 1: the what I'm trying to figure out, and this is what I couldn't remember, and I was gonna file you back another email, and then thought it'd be quicker for us to chat now.\n\nChannel 0: Yeah.\n\nChannel 1: Remind me what what triggers income protection that wouldn't have triggered, like, TPD or or trauma or things like that. I'm just wondering\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: if that changes the if that changes the risk profile. Because, I mean, if in theory, if I can't work because I've had trauma or PPD and that's stopped my ability to work,\n\nChannel 0: Yeah.\n\nChannel 1: can I trigger those other causes first, and then that gives me the time to buy through to if I had the longer waiting period? But just so you know where my\n\nChannel 0: Yeah. Your heads up.\n\nChannel 1: processing\n\nChannel 0: Yeah. Abs\n\nChannel 1: was going. Yeah.\n\nChannel 0: absolutely. No. Completely understand. So the main thing that we sort of look at and all the different insurances, while they can overlap, do have specific triggers.\n\nChannel 1: Yeah.\n\nChannel 0: So, like, normally, if you were to say have a car accident or motorcycle accident or you broke your back and couldn't go to work, that doesn't necessarily constitute a trauma a trauma diagnosis.\n\nChannel 1: Cool.\n\nChannel 0: So trauma\n\nChannel 1: Okay.\n\nChannel 0: wouldn't be claimable in that instance, and it's not quite for TPD. You'd still be going through, you know, seeking treatment and things like that, so it wouldn't really qualify for TPD upfront. So that's when you would qualify for income protection. So if\n\nChannel 1: Okay.\n\nChannel 0: you offer off work and at the moment with that hundred and four week waiting period, you would have to sort of wait that long and cover your expenses in the short term before you're able to submit the claim.\n\nChannel 1: Yep.\n\nChannel 0: So it is quite a longer waiting period there. If you were still off work after, say, you know, six or twelve months and your doctor said, hey. Look. You're never going back to work again. We can't keep, you know, trying to find a way to get you back, then they would agree to TPD.\n\nAnd in that instance, you could claim that total permanent disability. Because you've got the out of pocket policy as well as inside super, they would assess the any occupation inside super first. If you didn't meet that definition, then they assess the out of pocket policy at that point. But, realistically, you know, depending on what it is and what you do for work, if it was really serious, you know, you broke your back and could never go back to work again, then you would probably make that any definition. So but, yeah, it's more just about what triggers first.\n\nNormally, income protection is what is triggered first because you're still going through treatment, and income protection covers a portion of your income to help, you know, alleviate some expenditure and cover your bills in the short term whilst you're seeking treatment, trying to get back to work. And then if you then can't go back to work, then it triggers TBD after that point. Does that make sense?\n\nChannel 1: Yeah. No. That makes sense. So, I mean,\n\nChannel 0: Yeah.\n\nChannel 1: if I left it where I am right now, it'd be\n\nChannel 0: Mhmm.\n\nChannel 1: me trying to if that situation that would occur\n\nChannel 0: Yeah.\n\nChannel 1: that wouldn't normally trigger those, I guess I'd be down to what other options I'd have to do to cover expenses in the meantime and\n\nChannel 0: Yeah.\n\nChannel 1: whether I can hope hope and bid my luck on, like, hardship permissions while I wait for that stuff to kick in, I guess, would be my only option. There's there's no guarantee that that would be\n\nChannel 0: Yeah.\n\nChannel 1: would work\n\nChannel 0: Yeah.\n\nChannel 1: either. Right? So I guess that's a risk position that I'd have to take if I don't change that waiting\n\nChannel 0: Yeah.\n\nChannel 1: period for now.\n\nChannel 0: Absolutely. The other side of it is with those hardship provisions, to access hardship through your super, you have to be on Centrelink for twenty six weeks because they require what's called a q two thirty letter. So you'd have to be off work and on Centrelink receiving that for six months prior to you actually being able to claim.\n\nChannel 1: Yep.\n\nChannel 0: And that is that's quite a a condition to meet. That would be requiring you to not be able to work for six months and still having to be able to receive some sort of settling benefits, which are pretty minimal at this point in time. So\n\nChannel 1: Yeah.\n\nChannel 0: that that is definitely increasing the risk level there for you. So I mean, with with the way that I've tried to sort of structure the income protection to alleviate that a little bit is to kind of whilst we're reducing the waiting period to thirty days, also reduce that benefit period back from age 65 to five years. Because, realistically, if you think about, you know, what could\n\nChannel 1: That's where\n\nChannel 0: go wrong\n\nChannel 1: it triggers all the extra things if I'm not back by then. Right? So\n\nChannel 0: Exactly. Yeah. Definitely.\n\nChannel 1: so and I I don't want to cause more work for you, but I'm just thinking,\n\nChannel 0: No.\n\nChannel 1: do we do we seek that other one, that that alternate quote that would be to the two years\n\nChannel 0: Yeah.\n\nChannel 1: maybe?\n\nChannel 0: I can organize\n\nChannel 1: And\n\nChannel 0: that. Yep.\n\nChannel 1: I'm just yeah. And I know that premiums are going up right now. I'm just the other\n\nChannel 0: Yes.\n\nChannel 1: the other part that's playing through my mind is that this would see an increase in that premium again. But if it's gonna keep increasing each\n\nChannel 0: Mhmm.\n\nChannel 1: year, like, what does it does it have a max cap out that that premium would reach per\n\nChannel 0: No.\n\nChannel 1: month? Because\n\nChannel 0: No. Definitely\n\nChannel 1: yeah.\n\nChannel 0: not. That they will just keep increasing. And one of the things we sort of want to look at with insurances is we tend to need to have a higher level of cover now. We pay down our mortgage as much as possible, get our super balance up even higher, and then we can start to decrease the cover. So, realistically, we should be able to decrease the cover over time.\n\nI'm absolutely happy to get that quote for you. I just need to let you know I'm away next week. So I will get my team to organize the quote, and I will get one of them to email that through to you to have a look at. It takes about five to seven days to come through from Chow. That's why, unfortunately, I couldn't have didn't\n\nChannel 1: Yeah.\n\nChannel 0: quite\n\nChannel 1: No.\n\nChannel 0: get\n\nChannel 1: No.\n\nChannel 0: the quote\n\nChannel 1: No. That's\n\nChannel 0: done last time. I do apologize about that.\n\nChannel 1: no. That's\n\nChannel 0: But\n\nChannel 1: alright.\n\nChannel 0: is that okay with you if we get the I'll organize that tomorrow from my team, and I'll get one of them to email through to you when they receive it next week. Is that okay?\n\nChannel 1: Yeah. No. That's fine. Because\n\nChannel 0: Yes.\n\nChannel 1: the way I look at it at the moment, I look at my insurances, and I mean, it's it's all for valid reasons. But at the same time, these insurances are the ones that are probably eating the most out monthly. And I mean, there's good reason for that, but at the same time,\n\nChannel 0: It still it still\n\nChannel 1: it\n\nChannel 0: affects\n\nChannel 1: it\n\nChannel 0: you.\n\nChannel 1: it it still sucks out a bunch of cash flow\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: at the moment.\n\nChannel 0: Completely understand. And you've got kids and normal expenses\n\nChannel 1: Well,\n\nChannel 0: and\n\nChannel 1: look,\n\nChannel 0: school\n\nChannel 1: this\n\nChannel 0: and all the things going\n\nChannel 1: I'll\n\nChannel 0: on.\n\nChannel 1: I'll\n\nChannel 0: So\n\nChannel 1: be going back to my budget last night. I'm like, oh, finally, they'd finished their final swimming lessons and then that would cover it. Right? Like, the the cost for last two in swimming lessons that\n\nChannel 0: Yeah. Yep.\n\nChannel 1: that ends up equaling out to about what the premium would be. I'm like, oh, I can't remove that, but now I want the kids to\n\nChannel 0: Yes.\n\nChannel 1: swim.\n\nChannel 0: Yeah.\n\nChannel 1: So, yeah, just\n\nChannel 0: Yep.\n\nChannel 1: trying to just\n\nChannel 0: It\n\nChannel 1: trying to shift things around and try to rebuild everything, I guess, in my challenge right now.\n\nChannel 0: was. Yeah.\n\nChannel 1: And,\n\nChannel 0: Absolutely.\n\nChannel 1: yeah,\n\nChannel 0: No. That's\n\nChannel 1: whether,\n\nChannel 0: okay.\n\nChannel 1: yeah, I can see that see what that quote I mean, the the rest makes sense. So I guess\n\nChannel 0: Yeah.\n\nChannel 1: the the change to the fixing up what's what's underperforming in that bit. That all makes\n\nChannel 0: Correct.\n\nChannel 1: sense.\n\nChannel 0: Yep.\n\nChannel 1: I don't know whether we can separate that part of the device out while we fix up the rest of the insurance piece or not. But\n\nChannel 0: Yep.\n\nChannel 1: my other question my only question on that one was\n\nChannel 0: Mhmm.\n\nChannel 1: knowing where they're flirting with that $3,000,000 cap.\n\nChannel 0: Mhmm.\n\nChannel 1: Do at what point, and it doesn't have to be now, but it's probably something\n\nChannel 0: Yeah.\n\nChannel 1: within the next review cycle,\n\nChannel 0: Mhmm.\n\nChannel 1: Happens. It's done. Sorry. Hold on here\n\nChannel 0: No. You're\n\nChannel 1: as\n\nChannel 0: right.\n\nChannel 1: well. Okay. Ready. Are you trying to play as well, Patty? No.\n\nOkay. Or you just have to wait for a second. I'll get it sorted out for you in a second. Okay? Just keep her happy, and then I'll go buy you something on my home.\n\nMhmm. Yeah. Yeah. I ended up having kids with me when I went to drop the drop the drop the oldest up at Scuf. Yeah.\n\nSo where I was going with that was I'm just thinking and doesn't have to be in this review cycle, but something I\n\nChannel 0: Yep.\n\nChannel 1: probably\n\nChannel 0: Yeah.\n\nChannel 1: need to think about is if they do put in that $3,000,000 piece, even if I looked at no more contributions going in by my calculations, I'm gonna exceed that 3,000,000 mark between now and when I retire. Right? So\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: as as and that's that's working up a very modest growth rate\n\nChannel 0: Yeah.\n\nChannel 1: as well and no further contributions. So\n\nChannel 0: Mhmm.\n\nChannel 1: what I was thinking was do is there a strategy we need to put in place to treat that? And maybe it's I start contributing to my wife's because she's got next to nothing. So then as a family unit, we have more, or is it, you know, is it going through those sort of thought processes for my super strategy\n\nChannel 0: Yeah.\n\nChannel 1: as well?\n\nChannel 0: Abs\n\nChannel 1: But\n\nChannel 0: absolutely.\n\nChannel 1: I guess the thing is\n\nChannel 0: Yeah.\n\nChannel 1: we don't know if have they passed the the\n\nChannel 0: They\n\nChannel 1: three\n\nChannel 0: have,\n\nChannel 1: million\n\nChannel 0: unfortunately.\n\nChannel 1: one? Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I I couldn't\n\nChannel 0: 50\n\nChannel 1: remember\n\nChannel 0: nine\n\nChannel 1: if it was\n\nChannel 0: six\n\nChannel 1: actually\n\nChannel 0: is\n\nChannel 1: still\n\nChannel 0: in.\n\nChannel 1: outstanding or not.\n\nChannel 0: Yep. All the taxes are happening. It's the thing.\n\nChannel 1: Yeah. Just just does everything\n\nChannel 0: Yeah.\n\nChannel 1: in right.\n\nChannel 0: No. Look. Honestly, it's a really valid question. And, essentially, you can't sort of stop contributions going into your account. Those employer contributions have to go into your super.\n\nThat is mandated. With the projected outcome over the next ten years, we're okay. We're sitting at 1.6 currently with the projected outcome, and that is in that's if your super can get 11.11 every year. Realistically, you could be on track for that even if your super doesn't quite get it because you have a higher balance now, and more money makes more money. But\n\nChannel 1: Yep.\n\nChannel 0: what we can definitely look at doing is we can do things like spousal splitting.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, that means that you're still contributing to your super, but\n\nChannel 1: Yeah.\n\nChannel 0: at\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: just\n\nChannel 0: end of\n\nChannel 1: do\n\nChannel 0: each\n\nChannel 1: a transfer\n\nChannel 0: financial\n\nChannel 1: across.\n\nChannel 0: year,\n\nChannel 1: Right? Yeah.\n\nChannel 0: correct, we can transfer\n\nChannel 1: Yeah.\n\nChannel 0: up to 85% of that year's contributions into your partner's into your wife's super, and that boosts up her super as well. We can definitely look at doing that every year, and I'm absolutely happy. Maybe the next annual review, we have a look at that. I would also wanna have a look at her super if that's something she'd be open to maybe looking at doing it together as a joint piece. And it I don't\n\nChannel 1: Yeah.\n\nChannel 0: have to onboard her to do it, but it is honestly easy if we can look at her super and make sure it is working to its best of its ability as well.\n\nChannel 1: Look, it's\n\nChannel 0: Otherwise, I'm\n\nChannel 1: it's\n\nChannel 0: just\n\nChannel 1: definitely\n\nChannel 0: recommending to\n\nChannel 1: definitely\n\nChannel 0: put\n\nChannel 1: wouldn't\n\nChannel 0: money\n\nChannel 1: be at\n\nChannel 0: in.\n\nChannel 1: the moment because she's just I think she's\n\nChannel 0: Yeah.\n\nChannel 1: still with her super her account. Probably would have went back to Australian super. I'm pretty sure. Well,\n\nChannel 0: Yep.\n\nChannel 1: because she was ex q super. Right? So\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: but her\n\nChannel 0: Oh, that'll be ART. That'll be Australian Retirement\n\nChannel 1: yeah.\n\nChannel 0: Trust\n\nChannel 1: Time\n\nChannel 0: now.\n\nChannel 1: and trial trends.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. That one. Sorry. Yeah. Back to\n\nChannel 0: Yeah.\n\nChannel 1: that one.\n\nChannel 0: You're right.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: she yeah. Her super probably needs a bit of work, but, I mean, the the amount that she gets contributions, she's only doing, like, casual work at the moment where\n\nChannel 0: Yep.\n\nChannel 1: they are paying sleep to her, but it's, like, few and far between. And that's the other\n\nChannel 0: Yeah.\n\nChannel 1: thing that we're trying to do. That's the other reason I'm trying to watch the cash flow at the moment until she can be back at work, which hopefully the the youngest is in school again next\n\nChannel 0: Yeah.\n\nChannel 1: year,\n\nChannel 0: Yep.\n\nChannel 1: who will even start school next year, which would give her more time to, hopefully get a get more of a salary. But\n\nChannel 0: Yes.\n\nChannel 1: a very, very careful plotting game for us at the moment because she can get carrier's allowance as long as we pick just underneath that $2.50\n\nChannel 0: Yep.\n\nChannel 1: k house hold piece. And\n\nChannel 0: Yep.\n\nChannel 1: when I when I did estimate for my tax, it looks like I got an extra payment that has just pushed me over, which means I'm probably gonna have a debt to pay back to tax office, I'd imagine.\n\nChannel 0: No.\n\nChannel 1: So we're working through what that's possibly gonna look like, and I'm looking for other other claimable right now to see\n\nChannel 0: Yeah.\n\nChannel 1: if I can lower\n\nChannel 0: With\n\nChannel 1: that back down.\n\nChannel 0: with the the debt, is that just like a an ACO tax debt, or are you now liable for, like, DIV two nine three? What does the account say about it?\n\nChannel 1: Haven't spoken to an accountant about it yet.\n\nChannel 0: Alright.\n\nChannel 1: I'm I'm just looking\n\nChannel 0: Right.\n\nChannel 1: at what the numbers look like and\n\nChannel 0: Yep.\n\nChannel 1: just on my own self estimate. But because,\n\nChannel 0: Yep.\n\nChannel 1: technically, I didn't have anything fancy in my piece, and I've only gone to $2.30. But because my bonus from my last company that I left got paid during the same financial year, I think it's pushed me over.\n\nChannel 0: Okay. What's the total income? How much does it look like it's gonna be?\n\nChannel 1: It's sitting where was I sitting? I me by myself, I think I sat at the $2.52 mark, I think, for the for the gross. So\n\nChannel 0: Okay. Yeah. Because\n\nChannel 1: but\n\nChannel 0: if\n\nChannel 1: then\n\nChannel 0: it's\n\nChannel 1: I\n\nChannel 0: if it's triggering\n\nChannel 1: yeah.\n\nChannel 0: dev two two nine two two nine three tax, which is the tax that you pay, it's the extra 15% on super contributions and the additional tax that you pay for earning over 250,000. Speak to an accountant because it is if it's triggering div two nine three tax, you can elect to have that tax paid out of your super.\n\nChannel 1: Okay. Alright.\n\nChannel 0: Yeah. So that might alleviate a little bit of pressure, but make sure you go and speak to your accountant first, get them to run the numbers, and confirm if it's just, you know, you haven't paid enough tax, and there's just a normal ATO tax bill. Like, self employed people tend to get a tax bill instead of paying tax on a regular basis. But if it is related to DIV two nine three and it's because you've earned over 250,000 for the year, bring that up with the accountant because, essentially, you can elect for DIV two nine three. You can elect to have it paid out of your super fund.\n\nAnd as much as it's not always fun to take extra money out of super, it might just alleviate that little bit of pressure for you if you're able to do it that way and if it is DIV293. So\n\nChannel 1: Yeah. Okay.\n\nChannel 0: that might be one thing to chat to an account in about to give you, hopefully, some good news.\n\nChannel 1: Yeah. No. That's it. I'm on the bright side. At least I've got a healthy super balance for someone my age.\n\nSo\n\nChannel 0: Yes.\n\nChannel 1: that's\n\nChannel 0: Yeah.\n\nChannel 1: the\n\nChannel 0: Definitely.\n\nChannel 1: one one bright side. Right? Yeah. No.\n\nChannel 0: Absolutely.\n\nChannel 1: The the other part I'm worried about is it's more it's taking it would have taken us over the household income, which means they'll come after the the carers amount\n\nChannel 0: Yes.\n\nChannel 1: that they'd pay to us. So that's\n\nChannel 0: Yeah.\n\nChannel 1: there's there's ways and means to to work that out.\n\nChannel 0: Yeah.\n\nChannel 1: So it's not cash flow\n\nChannel 0: Yeah.\n\nChannel 1: prohibitive, but just means dealing with Centrelink, which is never fun.\n\nChannel 0: Yeah. No. No. No.\n\nChannel 1: Bye.\n\nChannel 0: No. I understand that. We do that a a lot of that, unfortunately. No. But, look, I completely understand.\n\nAnd what what I would probably say first is we I I'll get those quotes organized for you. I'll organize my team to request them tomorrow. I'll get my admin team member, Caden, to email those through to you when he receives them next week.\n\nChannel 1: Mhmm.\n\nChannel 0: And then I'm technically on holidays for two weeks. So I'm back on the twenty eighth. What\n\nChannel 1: Okay.\n\nChannel 0: we can do is on the last page of that advice document, you do actually have a multiliner or a text box there. So if you just hold off for the moment on signing and sending it back, wait for that quote to come through, have a look at the quote, and then maybe let me know if you just wanna go ahead with the steady like, the income protection with the two year benefit period. In that box on the very last page, you just make a little note to say that, you know, alteration to advice is you wish to go ahead with income protection policy, thirty days waiting, two year benefit. As long as we have that on the last page, it allows us to alter the advice. It's just it's just an alteration that we can make sure we adhere to.\n\nAnd then when we go through the insurance side of things, we'll know that you're only gonna go with the quote that is thirty days waiting and two year benefit period, and then we'll just you know, it it kind of just an adjustment to the advice to make it easier on yourself. But it how we just understand that that's an alteration, and we'll just go ahead with that instead of what was recommended for you, if that makes sense.\n\nChannel 1: Yep. Yeah. Okay. No. That makes sense.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: Yeah.\n\nChannel 1: with the additional medicals and everything, so\n\nChannel 0: Yes.\n\nChannel 1: if anything was to come out of any of that, could that mean\n\nChannel 0: Mhmm.\n\nChannel 1: that would just mean exclusions or what's\n\nChannel 0: It\n\nChannel 1: the\n\nChannel 0: could\n\nChannel 1: potential\n\nChannel 0: be.\n\nChannel 1: premium changes or\n\nChannel 0: Yeah. It really depends\n\nChannel 1: not not\n\nChannel 0: on what\n\nChannel 1: not\n\nChannel 0: it\n\nChannel 1: that\n\nChannel 0: is.\n\nChannel 1: I'm not that I'm\n\nChannel 0: No.\n\nChannel 1: really worried, but it's safe always\n\nChannel 0: No.\n\nChannel 1: at\n\nChannel 0: That's\n\nChannel 1: the back of\n\nChannel 0: okay.\n\nChannel 1: your mind. Right?\n\nChannel 0: Yeah. Of course. So, essentially, we go through an application form with you for the the changes that goes through to the underwriters. They'll obviously assess what you currently have on there. They'll have a look at what you do have disclosed already within the application.\n\nIf there is anything that flags that they need to maybe seek more medical assistance on, they'll get you to sign an authority which allows them to request doctor's reports. They do sometimes also request maybe a nurse makes contact with you to come out and do some medicals. They might have what's called a MBA 20, which is like a mini check or something. And they come out and they take your height and their weight, and they check your breathing, and they basically do, like, a have a appointment with you where they just do this medical assessment, and that just goes back to them.\n\nChannel 1: Yep.\n\nChannel 0: If there is anything that flags, there could be an exclusion. There could be loadings. It really depends on what it is. Normally, they'll just if there's a preexisting condition, like a a knee or a back or something, they might just exclude that area.\n\nChannel 1: Yep.\n\nChannel 0: If it's, you know, to do with height and weight like BMI or it's to do with, you know, overall health, they can't can sometimes add a loading, which does make the policy more expensive. Sorry. Having a loading whilst the bill makes the policy more expensive means that you can claim for preexisting conditions, whereas an exclusion just excludes that preexisting condition completely.\n\nChannel 1: Yep.\n\nChannel 0: It just comes down to how the assessment is. But before it ever goes in force, the the underwriters come back with their decision. They speak to us, and then we come back and we decide, hey. Look. We're not happy with this.\n\nWe'll fight it, and we'll tell you what's happening. Or if there's nothing that we haven't sort of seen I mean, from everything I can see, you're pretty healthy. I don't sort of expect much to come with that at the moment. But if there is anything that flags, we'll come back and have that conversation prior to putting it into force just so you're fully informed, and then you get the the to decide whether you're happy to proceed with that offer of cover or not, and we then we kinda go from there. Does that make sense?\n\nChannel 1: Yeah. No. That makes sense. Yep.\n\nChannel 0: Yeah. Yeah. So I just like to, you know, prep everyone, let you know there are, the underwriters do assess everything medically. Anything that changes on your health from when the original application was enforced doesn't affect anything that's already enforced. And that's probably the good thing about increasing or altering a new a current policy is\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: So\n\nChannel 0: at the\n\nChannel 1: it doesn't\n\nChannel 0: moment,\n\nChannel 1: doesn't\n\nChannel 0: you\n\nChannel 1: undo\n\nChannel 0: do have\n\nChannel 1: everything\n\nChannel 0: that\n\nChannel 1: else. It's finally\n\nChannel 0: no.\n\nChannel 1: on the\n\nChannel 0: That's\n\nChannel 1: new yep.\n\nChannel 0: that's correct. So if they find that there is a back exclusion, so long as you didn't have that preexisting when you apply for the policy originally, that will only be put on the the increase of the policy. So anything new only affects the increased portion of the policy. It won't it won't affect the policy that was already held in place, and that's one benefit we have to retaining the cover and just increasing with the same provider for you.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Cool.\n\nChannel 0: Yeah. All good.\n\nChannel 1: Mhmm.\n\nChannel 0: So I'll get that quote done. Did you have any questions about any other parts of the recommendations, the super, or anything else there at all? I'm happy to answer anything you've got.\n\nChannel 1: No. Like I said, the the super and everything made sense. So I just wanted to flag probably\n\nChannel 0: Yeah.\n\nChannel 1: I'm I'm assuming because it's a healthy balance that,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, just even compound interest on that will be will take me over that magic number, which, I mean, is great for me, but I'd prefer to make sure that the extra money doesn't get out of my pocket. So that's\n\nChannel 0: Absolutely.\n\nChannel 1: that's just what I think we put a plan in place for that when when the time is right\n\nChannel 0: Yeah.\n\nChannel 1: so\n\nChannel 0: Definitely.\n\nChannel 1: we can do that\n\nChannel 0: I\n\nChannel 1: in\n\nChannel 0: mean,\n\nChannel 1: the next\n\nChannel 0: realist\n\nChannel 1: review.\n\nChannel 0: yeah. I mean, realistically, starting that next review and maybe doing that over the course of the years might even bring your wife safer more in line with yours, which would be kind of really great. What we sort of hope to see at retirement, which doesn't often happen, is that you both have a fairly similar balance so you can kinda draw a pro rata out of those to cover, and it kind of sees it, you know, stay aligned and last a lot longer, whereas\n\nChannel 1: Yes.\n\nChannel 0: most people who retire at the moment have very different balances. You're drawing more out of one and less out of the other and, you know, trying to kinda keep them moving at the same sort of speed. But, yeah, look, because we don't I don't I don't really want you to kinda get to that $3,000,000 market. That as much as it's good to have $3,000,000 in super, it does mean there's extra taxes, and it's not indexed at all. And it does also continue if you're also in that pension phase too.\n\nSo\n\nChannel 1: Yeah.\n\nChannel 0: it's\n\nChannel 1: Exactly.\n\nChannel 0: about that longevity\n\nChannel 1: In my in\n\nChannel 0: aspect.\n\nChannel 1: my mind, if\n\nChannel 0: So\n\nChannel 1: I can move it all across and we end up with over 3,000,000, but it's spread between\n\nChannel 0: Yeah.\n\nChannel 1: the two of us, that makes a lot more sense.\n\nChannel 0: Absolutely. And, realistically, up until you reach that agent, that lovely age of 60 and retire or 65, we can only do a few limited strategies, but they are definitely worth having a look at now. And,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, looking, you know, if it's if your wife doesn't have as healthy a balance, if it's not really invested the way yours is, we could always look to, you know, do joint advice together, onboard her, look at, you know, how contributing to your super and then splitting your contributions works and what that projects over time to sort of show you guys where this could end up and how it could benefit benefit both of you. Down the track when you do kinda get into that retirement phase as well, there's other things that we can do because we'll be able to draw money out of super. We're limited to that until you get to that retirement sort of phase and meet that condition of release. But when you get to that point, if your balance is still increasing quite heavily, we can always look to draw some money out and move it into other places. That way, it sort of shelters it from that additional tax as well.\n\nSo there are definitely a lot of fun, cool strategies we can do. We're limited now, but there are still things that we can put in place to try and keep your balance, you know,\n\nChannel 1: What\n\nChannel 0: not\n\nChannel 1: are you\n\nChannel 0: low,\n\nChannel 1: doing?\n\nChannel 0: but, you know, look after it a bit. So yeah.\n\nChannel 1: No. That's fine. No. And that's that's\n\nChannel 0: Yeah.\n\nChannel 1: probably the biggest question. And then,\n\nChannel 0: Yes.\n\nChannel 1: yeah, I think the income protection is the one that moves that premium the most. So just looking at what we can do.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yeah. Okay. No.\n\nChannel 0: Yeah.\n\nChannel 1: That makes\n\nChannel 0: Absolutely.\n\nChannel 1: sense. So\n\nChannel 0: Yeah.\n\nChannel 1: we'll we'll\n\nChannel 0: And\n\nChannel 1: go\n\nChannel 0: the\n\nChannel 1: from\n\nChannel 0: income\n\nChannel 1: there\n\nChannel 0: protection\n\nChannel 1: and\n\nChannel 0: is the yeah. Absolutely. Definitely. That is the highest part of the the cost of your insurance. Unfortunately, income protection always costs the most out of all of them.\n\nSo I'll\n\nChannel 1: Yeah.\n\nChannel 0: start by getting that quote there for you. My team will email it through. I did email you this afternoon just kinda going through answering those questions for you as well and just kinda reiterating, you know, the risk factor and what we\n\nChannel 1: Yep.\n\nChannel 0: can do other strategy wise with the insurances. Did you get a chance to read through that or not yet? If you haven't, it's\n\nChannel 1: Yeah. No. That that makes sense. And\n\nChannel 0: okay. Yeah.\n\nChannel 1: is is there yeah. There's a light. Is there have you guys got any recommended recommendations for a good accountant? Because, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: mine normally\n\nChannel 0: Absolutely.\n\nChannel 1: only mine's normally only yeah. Just my my wages. Right? Because I don't have I\n\nChannel 0: Yep.\n\nChannel 1: don't have an investment portfolio at the moment. Don't have investment properties. So I've just been running it myself with just simple deductions. So that's also probably buys me some time for when I need to submit. So\n\nChannel 0: Yeah. No. Absolutely. Not a problem. I've actually got a really good account we can refer you through to.\n\nChannel 1: yep.\n\nChannel 0: I normally do, like, a a bit of a welcome email that introduces you to him and him to you. His name's Steve. He's fantastic. Are you comfortable if I do that introduction email? I'll probably do it first thing in the morning for you, which\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: introduces you. And I provide him just some basic information for you and a bit of an idea of what you're after, and then he'll be in touch to book a time to meet you with an initial consultation and talk about what he can do and look at what you're after, and then\n\nChannel 1: Yeah.\n\nChannel 0: he'll kinda go from there. Is that okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Fantastic. I'll get that email done first thing in the morning for you. Not a problem at all. And, yeah, he's a great accountant.\n\nI think he's fantastic. He's a he's perfect. You wanna nerd in your accountant, then he is it. Steve is it. He is\n\nChannel 1: That's\n\nChannel 0: just so\n\nChannel 1: it.\n\nChannel 0: knowledgeable.\n\nChannel 1: Awesome. No. It sounds good.\n\nChannel 0: Beautiful. Easy. Well, thank you so much. I'm glad you took some time to read the document. I'll try to I know you are very busy, so I can try to do as much as I can by email for you as well just to make it a lot easier.\n\nI've kind of sat down with our team and gone, hey. Look. Not everyone's available on the phone all the time, especially family and kids and work. So we worked up a few ways to do a lot more via email if that helps you out well. Okay.\n\nChannel 1: No. That's great. And I look I I think that\n\nChannel 0: I\n\nChannel 1: made\n\nChannel 0: see.\n\nChannel 1: it easy and then I could ask questions beforehand. So that that was\n\nChannel 0: Yeah.\n\nChannel 1: really appreciated. So thank you.\n\nChannel 0: Not a not a problem at all, Matthew. Thank you so much for your time. I'll let you go to have a good night with the kids. I hope you have a restful evening and a good weekend ahead.\n\nChannel 1: Right. Thank you very much. You too.\n\nChannel 0: No\n\nChannel 1: And I\n\nChannel 0: worries.\n\nChannel 1: hope I hope you\n\nChannel 0: Easy.\n\nChannel 1: have a great\n\nChannel 0: I'll\n\nChannel 1: time off.\n\nChannel 0: thank you so much. I'll get my team to focus on the email for you and make sure it comes out, And I'll also get that email done to the accountant's referral tomorrow for you as well. Okay?\n\nChannel 1: Great. Thank you very much.\n\nChannel 0: My pleasure. Have a lovely evening. Thank you so much for taking my call.\n\nChannel 1: Thanks. You\n\nChannel 0: Thanks.\n\nChannel 1: too.\n\nChannel 0: See you later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.36,"sentiment":"neutral","sentiment_score":0.03512153774499893},{"text":"May I speak","start":1.36,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.04100461055835088}],"sentiment":"neutral","sentiment_score":0.039533842355012894,"channel":1,"num_words":4,"start":1.04,"end":1.8399999},{"sentences":[{"text":"Hi, Matthew.","start":2.56,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.08797202631831169},{"text":"It's Zena from OQ Financial.","start":3.1999998,"end":4.66,"sentiment":"neutral","sentiment_score":0.12007853984832764},{"text":"How are you this afternoon?","start":4.7999997,"end":5.94,"sentiment":"neutral","sentiment_score":0.15765297114849092}],"sentiment":"neutral","sentiment_score":0.13038346730172634,"channel":0,"num_words":12,"start":2.56,"end":5.94},{"sentences":[{"text":"Good.","start":6.16,"end":6.48,"sentiment":"positive","sentiment_score":0.4770554006099701},{"text":"Good, Donna.","start":6.48,"end":6.7999997,"sentiment":"positive","sentiment_score":0.49236755073070526},{"text":"How are you?","start":6.7999997,"end":7.62,"sentiment":"positive","sentiment_score":0.3863409658273061}],"sentiment":"positive","sentiment_score":0.4368022332588832,"channel":1,"num_words":6,"start":6.16,"end":7.62},{"sentences":[{"text":"I'm very well.","start":7.68,"end":8.559999,"sentiment":"positive","sentiment_score":0.6396176020304362},{"text":"Thank you.","start":8.559999,"end":9.12,"sentiment":"positive","sentiment_score":0.7235091924667358},{"text":"I just had you booked in just to have a bit quick bit of a quick catch up, in relation to your advice document that I sent through earlier.","start":9.12,"end":14.639999,"sentiment":"neutral","sentiment_score":0.2636867812995253},{"text":"Is now still a good time there for you?","start":14.639999,"end":16.595,"sentiment":"neutral","sentiment_score":0.29098954962359536}],"sentiment":"neutral","sentiment_score":0.31701613477496215,"channel":0,"num_words":43,"start":7.68,"end":16.595},{"sentences":[{"text":"Yeah.","start":16.655,"end":17.055,"sentiment":"neutral","sentiment_score":0.2558329701423645},{"text":"It's all good.","start":17.055,"end":17.955,"sentiment":"positive","sentiment_score":0.42823269963264465}],"sentiment":"positive","sentiment_score":0.3851327672600746,"channel":1,"num_words":4,"start":16.655,"end":17.955},{"sentences":[{"text":"Yeah.","start":17.775,"end":18.275,"sentiment":"positive","sentiment_score":0.41776373982429504},{"text":"Fantastic.","start":18.415,"end":18.915,"sentiment":"positive","sentiment_score":0.6289213299751282},{"text":"Before I jump into the call, just to let you know we do record our calls for quality and training purposes.","start":19.375,"end":23.555,"sentiment":"neutral","sentiment_score":0.2378547979252679},{"text":"Are you happy for me to proceed with that?","start":23.615,"end":25.875,"sentiment":"neutral","sentiment_score":0.25455839766396415}],"sentiment":"neutral","sentiment_score":0.26039566891267896,"channel":0,"num_words":32,"start":17.775,"end":25.875},{"sentences":[{"text":"Yep.","start":26.255001,"end":26.755001,"sentiment":"neutral","sentiment_score":0.18971547484397888}],"sentiment":"neutral","sentiment_score":0.18971547484397888,"channel":1,"num_words":1,"start":26.255001,"end":26.755001},{"sentences":[{"text":"Fantastic.","start":27.135,"end":27.615,"sentiment":"positive","sentiment_score":0.4294789731502533},{"text":"And just to do a quick security check there for you, just to confirm your full name, your date of birth, and address I should have on file as well.","start":27.615,"end":33.5,"sentiment":"neutral","sentiment_score":0.21046605656544368}],"sentiment":"neutral","sentiment_score":0.21753098935850204,"channel":0,"num_words":31,"start":27.135,"end":33.5},{"sentences":[{"text":"Yep.","start":33.5,"end":33.9,"sentiment":"neutral","sentiment_score":0.0349508598446846},{"text":"Matthew Alexander Stevenson to Courtland","start":33.9,"end":36.24,"sentiment":"neutral","sentiment_score":0.02912915013730526}],"sentiment":"neutral","sentiment_score":0.03009943508853515,"channel":1,"num_words":6,"start":33.5,"end":36.24},{"sentences":[{"text":"Yep.","start":35.96,"end":36.46,"sentiment":"neutral","sentiment_score":0.04699401557445526}],"sentiment":"neutral","sentiment_score":0.04699401557445526,"channel":0,"num_words":1,"start":35.96,"end":36.46},{"sentences":[{"text":"Street, Salisbury, And 4th Of June 1986.","start":36.3,"end":39.015,"sentiment":"neutral","sentiment_score":0.04789137946707862}],"sentiment":"neutral","sentiment_score":0.04789137946707862,"channel":1,"num_words":7,"start":36.3,"end":39.015},{"sentences":[{"text":"Lovely.","start":39.24,"end":39.74,"sentiment":"positive","sentiment_score":0.43878525495529175},{"text":"Thank you so much for that.","start":39.8,"end":41.445,"sentiment":"positive","sentiment_score":0.554591049750646},{"text":"I know you are really busy, so I figured sending that through to you and then having the presentation done by email essentially kind of outlines everything so you can read it in your own time.","start":41.685,"end":50.965,"sentiment":"neutral","sentiment_score":0.2652181126177311},{"text":"I","start":50.965,"end":51.045,"sentiment":"neutral","sentiment_score":0.18349643051624295}],"sentiment":"neutral","sentiment_score":0.3067654554139484,"channel":0,"num_words":44,"start":39.24,"end":51.045},{"sentences":[{"text":"Yeah.","start":51.03,"end":51.53,"sentiment":"neutral","sentiment_score":0.209463894367218}],"sentiment":"neutral","sentiment_score":0.209463894367218,"channel":1,"num_words":1,"start":51.03,"end":51.53},{"sentences":[{"text":"figured that might be a lot easier for you there, and then we just have this catch up to sort of discuss what it is that's being recommended, what your thoughts are, see if you have any additional questions, and then you get to decide what you wanna do.","start":51.045,"end":62.56,"sentiment":"neutral","sentiment_score":0.21977263476167405},{"text":"How does that sound?","start":62.56,"end":63.7,"sentiment":"neutral","sentiment_score":0.1529245376586914}],"sentiment":"neutral","sentiment_score":0.21472749535767538,"channel":0,"num_words":53,"start":51.045,"end":63.7},{"sentences":[{"text":"You know, I thought that was great.","start":63.91,"end":65.415,"sentiment":"positive","sentiment_score":0.46521266443388803},{"text":"That that was actually really helpful.","start":65.415,"end":66.615,"sentiment":"positive","sentiment_score":0.6143882970015208},{"text":"Thank you.","start":66.615,"end":67.354996,"sentiment":"positive","sentiment_score":0.49078911542892456}],"sentiment":"positive","sentiment_score":0.528293110926946,"channel":1,"num_words":15,"start":63.91,"end":67.354996},{"sentences":[{"text":"Oh,","start":67.36,"end":67.68,"sentiment":"neutral","sentiment_score":0.11367204785346983}],"sentiment":"neutral","sentiment_score":0.11367204785346983,"channel":0,"num_words":1,"start":67.36,"end":67.68},{"sentences":[{"text":"Even","start":67.495,"end":67.815,"sentiment":"neutral","sentiment_score":0.0975087583065033}],"sentiment":"neutral","sentiment_score":0.0975087583065033,"channel":1,"num_words":1,"start":67.495,"end":67.815},{"sentences":[{"text":"that's","start":67.68,"end":68.0,"sentiment":"neutral","sentiment_score":0.08992808312177658}],"sentiment":"neutral","sentiment_score":0.08992808312177658,"channel":0,"num_words":1,"start":67.68,"end":68.0},{"sentences":[{"text":"even","start":67.815,"end":68.055,"sentiment":"neutral","sentiment_score":0.05589117854833603}],"sentiment":"neutral","sentiment_score":0.05589117854833603,"channel":1,"num_words":1,"start":67.815,"end":68.055},{"sentences":[{"text":"okay.","start":68.0,"end":68.5,"sentiment":"neutral","sentiment_score":0.07284767925739288}],"sentiment":"neutral","sentiment_score":0.07284767925739288,"channel":0,"num_words":1,"start":68.0,"end":68.5},{"sentences":[{"text":"though don't don't be worried about I was replying at 02:00 in the morning.","start":68.055,"end":73.575,"sentiment":"neutral","sentiment_score":0.018667254197810377},{"text":"It just so happened I fell asleep putting the kids to bed, and then I remembered that I had that that email to read through.","start":73.575,"end":79.595,"sentiment":"neutral","sentiment_score":0.03829061433672905},{"text":"So","start":79.86,"end":80.36,"sentiment":"neutral","sentiment_score":0.03660812973976135}],"sentiment":"neutral","sentiment_score":0.03138037617318332,"channel":1,"num_words":40,"start":68.055,"end":80.36},{"sentences":[{"text":"Yeah.","start":79.935,"end":80.174995,"sentiment":"neutral","sentiment_score":0.011873058043420317},{"text":"No.","start":80.174995,"end":80.41499,"sentiment":"neutral","sentiment_score":-0.022117309272289276},{"text":"That's okay.","start":80.41499,"end":80.895,"sentiment":"neutral","sentiment_score":0.0006029354408383369},{"text":"I saw that, and I thought, look.","start":80.895,"end":82.869995,"sentiment":"neutral","sentiment_score":-0.02289982352937971},{"text":"Maybe you're a workaholic, Mike.","start":82.869995,"end":84.549995,"sentiment":"neutral","sentiment_score":-0.1020190730690956}],"sentiment":"neutral","sentiment_score":-0.04246453189989552,"channel":0,"num_words":16,"start":79.935,"end":84.549995},{"sentences":[{"text":"yeah.","start":84.340004,"end":84.840004,"sentiment":"neutral","sentiment_score":-0.02433856390416622}],"sentiment":"neutral","sentiment_score":-0.02433856390416622,"channel":1,"num_words":1,"start":84.340004,"end":84.840004},{"sentences":[{"text":"Me.","start":84.549995,"end":84.78999,"sentiment":"neutral","sentiment_score":-0.01998807117342949},{"text":"I don't judge there.","start":84.78999,"end":85.75,"sentiment":"neutral","sentiment_score":-0.04243127768859267},{"text":"Don't worry in any","start":85.75,"end":86.71,"sentiment":"neutral","sentiment_score":0.00048783293459564534}],"sentiment":"neutral","sentiment_score":-0.020862427798824176,"channel":0,"num_words":9,"start":84.549995,"end":86.71},{"sentences":[{"text":"Yeah.","start":86.58,"end":87.08,"sentiment":"neutral","sentiment_score":0.011180325411260128}],"sentiment":"neutral","sentiment_score":0.011180325411260128,"channel":1,"num_words":1,"start":86.58,"end":87.08},{"sentences":[{"text":"way, shape, or form.","start":86.71,"end":87.75,"sentiment":"neutral","sentiment_score":0.02898720884695649},{"text":"But, no.","start":87.75,"end":88.229996,"sentiment":"neutral","sentiment_score":0.045286388136446476},{"text":"Honestly, it's not a problem at all.","start":88.229996,"end":89.75,"sentiment":"neutral","sentiment_score":0.25317048174994333},{"text":"But thank you so much for going through and having a look at that.","start":89.75,"end":92.229996,"sentiment":"positive","sentiment_score":0.5327374594552177},{"text":"I do appreciate it.","start":92.229996,"end":93.525,"sentiment":"positive","sentiment_score":0.43015949986875057}],"sentiment":"positive","sentiment_score":0.3599250779276894,"channel":0,"num_words":31,"start":86.71,"end":93.525},{"sentences":[{"text":"I know one of the things that you sort of brought up for me was, obviously, the concern around around the expenses with regard to the the out of pocket portion.","start":94.085,"end":102.185,"sentiment":"neutral","sentiment_score":-0.11891645529577809}],"sentiment":"neutral","sentiment_score":-0.11891645529577809,"channel":0,"num_words":31,"start":94.085,"end":102.185},{"sentences":[{"text":"Yeah.","start":102.915,"end":103.415,"sentiment":"neutral","sentiment_score":-0.02161731943488121},{"text":"Look.","start":103.555,"end":103.875,"sentiment":"neutral","sentiment_score":-0.015234570018947124},{"text":"The the main reason for that, I'm just trying to at the moment,","start":103.875,"end":107.24,"sentiment":"neutral","sentiment_score":-0.01889900676906109}],"sentiment":"neutral","sentiment_score":-0.018835931830108166,"channel":1,"num_words":15,"start":102.915,"end":107.24},{"sentences":[{"text":"Yeah.","start":106.965004,"end":107.465004,"sentiment":"neutral","sentiment_score":0.03611549735069275}],"sentiment":"neutral","sentiment_score":0.03611549735069275,"channel":0,"num_words":1,"start":106.965004,"end":107.465004},{"sentences":[{"text":"I'm I'm trying to rebuild up more of a capital position so I've got other stuff outside of outside of the super.","start":107.24,"end":116.84,"sentiment":"neutral","sentiment_score":0.045573555271733894},{"text":"Because, I mean, the super looks healthy.","start":116.84,"end":118.28,"sentiment":"neutral","sentiment_score":0.24606386039938247}],"sentiment":"neutral","sentiment_score":0.09396776685426975,"channel":1,"num_words":29,"start":107.24,"end":118.28},{"sentences":[{"text":"Yeah.","start":118.09,"end":118.59,"sentiment":"neutral","sentiment_score":0.09209607541561128}],"sentiment":"neutral","sentiment_score":0.09209607541561128,"channel":0,"num_words":1,"start":118.09,"end":118.59},{"sentences":[{"text":"Right?","start":118.28,"end":118.759995,"sentiment":"neutral","sentiment_score":0.06988527625799179},{"text":"And","start":118.759995,"end":119.259995,"sentiment":"neutral","sentiment_score":0.02152831107378006}],"sentiment":"neutral","sentiment_score":0.045706793665885925,"channel":1,"num_words":2,"start":118.28,"end":119.259995},{"sentences":[{"text":"Yeah.","start":118.89,"end":119.39,"sentiment":"neutral","sentiment_score":0.009152619168162346}],"sentiment":"neutral","sentiment_score":0.009152619168162346,"channel":0,"num_words":1,"start":118.89,"end":119.39},{"sentences":[{"text":"the what I'm trying to figure out, and this is what I couldn't remember, and I was gonna file you back another email, and then thought it'd be quicker for us to chat now.","start":120.325,"end":128.105,"sentiment":"neutral","sentiment_score":-0.024309520116623712}],"sentiment":"neutral","sentiment_score":-0.024309520116623712,"channel":1,"num_words":34,"start":120.325,"end":128.105},{"sentences":[{"text":"Yeah.","start":128.575,"end":129.075,"sentiment":"neutral","sentiment_score":-0.021573713049292564}],"sentiment":"neutral","sentiment_score":-0.021573713049292564,"channel":0,"num_words":1,"start":128.575,"end":129.075},{"sentences":[{"text":"Remind me what what triggers income protection that wouldn't have triggered, like, TPD or or trauma or things like that.","start":129.36499,"end":138.85,"sentiment":"neutral","sentiment_score":-0.1084299448877573},{"text":"I'm just wondering","start":138.85,"end":139.75,"sentiment":"neutral","sentiment_score":-0.02578517608344555}],"sentiment":"neutral","sentiment_score":-0.09765019243502099,"channel":1,"num_words":23,"start":129.36499,"end":139.75},{"sentences":[{"text":"Yeah.","start":140.59001,"end":141.07,"sentiment":"neutral","sentiment_score":-0.02895389683544636},{"text":"Absolutely.","start":141.07,"end":141.57,"sentiment":"neutral","sentiment_score":-0.03146910294890404}],"sentiment":"neutral","sentiment_score":-0.030211499892175198,"channel":0,"num_words":2,"start":140.59001,"end":141.57},{"sentences":[{"text":"if that changes the if that changes the risk profile.","start":141.25,"end":144.05,"sentiment":"neutral","sentiment_score":-0.19853278994560242},{"text":"Because, I mean, if in theory, if I can't work because I've had trauma or PPD and that's stopped my ability to work,","start":144.05,"end":152.065,"sentiment":"neutral","sentiment_score":-0.24302253127098083}],"sentiment":"neutral","sentiment_score":-0.22954079147541162,"channel":1,"num_words":33,"start":141.25,"end":152.065},{"sentences":[{"text":"Yeah.","start":152.445,"end":152.945,"sentiment":"neutral","sentiment_score":-0.06756056845188141}],"sentiment":"neutral","sentiment_score":-0.06756056845188141,"channel":0,"num_words":1,"start":152.445,"end":152.945},{"sentences":[{"text":"can I trigger those other causes first, and then that gives me the time to buy through to if I had the longer waiting period?","start":152.845,"end":161.05,"sentiment":"neutral","sentiment_score":-0.0801994726061821},{"text":"But just so you know where my","start":161.05,"end":162.67,"sentiment":"neutral","sentiment_score":-0.03494909272662231}],"sentiment":"neutral","sentiment_score":-0.0703009520075284,"channel":1,"num_words":32,"start":152.845,"end":162.67},{"sentences":[{"text":"Yeah.","start":163.02,"end":163.34001,"sentiment":"neutral","sentiment_score":-0.015912078320980072},{"text":"Your heads up.","start":163.34001,"end":164.06,"sentiment":"neutral","sentiment_score":-0.020483203853170078}],"sentiment":"neutral","sentiment_score":-0.019340422470122576,"channel":0,"num_words":4,"start":163.02,"end":164.06},{"sentences":[{"text":"processing","start":163.93001,"end":164.43001,"sentiment":"neutral","sentiment_score":-0.016440102830529213}],"sentiment":"neutral","sentiment_score":-0.016440102830529213,"channel":1,"num_words":1,"start":163.93001,"end":164.43001},{"sentences":[{"text":"Yeah.","start":164.06,"end":164.38,"sentiment":"neutral","sentiment_score":-0.031095722690224648},{"text":"Abs","start":164.38,"end":164.70001,"sentiment":"neutral","sentiment_score":-0.08697396516799927}],"sentiment":"neutral","sentiment_score":-0.05903484392911196,"channel":0,"num_words":2,"start":164.06,"end":164.70001},{"sentences":[{"text":"was going.","start":164.49,"end":165.13,"sentiment":"neutral","sentiment_score":-0.05593505036085844},{"text":"Yeah.","start":165.13,"end":165.63,"sentiment":"neutral","sentiment_score":0.042975351214408875}],"sentiment":"neutral","sentiment_score":-0.022964916502436,"channel":1,"num_words":3,"start":164.49,"end":165.63},{"sentences":[{"text":"absolutely.","start":165.66,"end":166.16,"sentiment":"neutral","sentiment_score":0.052131444215774536},{"text":"No.","start":166.3,"end":166.54001,"sentiment":"neutral","sentiment_score":-0.038488343358039856},{"text":"Completely understand.","start":166.54001,"end":167.52,"sentiment":"neutral","sentiment_score":-0.0012734904885292053},{"text":"So the main thing that we sort of look at and all the different insurances, while they can overlap, do have specific triggers.","start":167.58,"end":173.965,"sentiment":"neutral","sentiment_score":-0.09457432154728018}],"sentiment":"neutral","sentiment_score":-0.08015234354469511,"channel":0,"num_words":27,"start":165.66,"end":173.965},{"sentences":[{"text":"Yeah.","start":174.575,"end":175.075,"sentiment":"neutral","sentiment_score":-0.06533682346343994}],"sentiment":"neutral","sentiment_score":-0.06533682346343994,"channel":1,"num_words":1,"start":174.575,"end":175.075},{"sentences":[{"text":"So, like, normally, if you were to say have a car accident or motorcycle accident or you broke your back and couldn't go to work, that doesn't necessarily constitute a trauma a trauma diagnosis.","start":174.58499,"end":186.365,"sentiment":"neutral","sentiment_score":-0.15111435467706008}],"sentiment":"neutral","sentiment_score":-0.15111435467706008,"channel":0,"num_words":34,"start":174.58499,"end":186.365},{"sentences":[{"text":"Cool.","start":186.255,"end":186.755,"sentiment":"neutral","sentiment_score":0.07303589582443237}],"sentiment":"neutral","sentiment_score":0.07303589582443237,"channel":1,"num_words":1,"start":186.255,"end":186.755},{"sentences":[{"text":"So trauma","start":186.85,"end":187.49,"sentiment":"neutral","sentiment_score":-0.14154836162924767}],"sentiment":"neutral","sentiment_score":-0.14154836162924767,"channel":0,"num_words":2,"start":186.85,"end":187.49},{"sentences":[{"text":"Okay.","start":187.215,"end":187.53,"sentiment":"neutral","sentiment_score":-0.15211358666419983}],"sentiment":"neutral","sentiment_score":-0.15211358666419983,"channel":1,"num_words":1,"start":187.215,"end":187.53},{"sentences":[{"text":"wouldn't be claimable in that instance, and it's not quite for TPD.","start":187.49,"end":191.43001,"sentiment":"neutral","sentiment_score":-0.2774638844033082},{"text":"You'd still be going through, you know, seeking treatment and things like that, so it wouldn't really qualify for TPD upfront.","start":191.49,"end":197.17,"sentiment":"neutral","sentiment_score":-0.26332445726508186},{"text":"So that's when you would qualify for income protection.","start":197.17,"end":199.67,"sentiment":"neutral","sentiment_score":-0.1315148745973905},{"text":"So if","start":199.81,"end":200.535,"sentiment":"neutral","sentiment_score":-0.08139946684241295}],"sentiment":"neutral","sentiment_score":-0.23195029591972177,"channel":0,"num_words":44,"start":187.49,"end":200.535},{"sentences":[{"text":"Okay.","start":200.49,"end":200.99,"sentiment":"neutral","sentiment_score":-0.08488122373819351}],"sentiment":"neutral","sentiment_score":-0.08488122373819351,"channel":1,"num_words":1,"start":200.49,"end":200.99},{"sentences":[{"text":"you offer off work and at the moment with that hundred and four week waiting period, you would have to sort of wait that long and cover your expenses in the short term before you're able to submit the claim.","start":200.535,"end":210.875,"sentiment":"neutral","sentiment_score":-0.14836424542590976}],"sentiment":"neutral","sentiment_score":-0.14836424542590976,"channel":0,"num_words":40,"start":200.535,"end":210.875},{"sentences":[{"text":"Yep.","start":211.395,"end":211.895,"sentiment":"neutral","sentiment_score":-0.0168641097843647}],"sentiment":"neutral","sentiment_score":-0.0168641097843647,"channel":1,"num_words":1,"start":211.395,"end":211.895},{"sentences":[{"text":"So it is quite a longer waiting period there.","start":211.415,"end":214.075,"sentiment":"neutral","sentiment_score":-0.3133828904893663},{"text":"If you were still off work after, say, you know, six or twelve months and your doctor said, hey.","start":214.62,"end":219.74,"sentiment":"neutral","sentiment_score":-0.310181158937906},{"text":"Look.","start":219.74,"end":219.98,"sentiment":"neutral","sentiment_score":-0.32694512605667114},{"text":"You're never going back to work again.","start":219.98,"end":221.74,"sentiment":"negative","sentiment_score":-0.5035581886768341},{"text":"We can't keep, you know, trying to find a way to get you back, then they would agree to TPD.","start":221.74,"end":226.95999,"sentiment":"negative","sentiment_score":-0.35769716948270797}],"sentiment":"negative","sentiment_score":-0.35213721197630676,"channel":0,"num_words":56,"start":211.415,"end":226.95999},{"sentences":[{"text":"And in that instance, you could claim that total permanent disability.","start":227.02,"end":230.045,"sentiment":"neutral","sentiment_score":-0.07041053981943564},{"text":"Because you've got the out of pocket policy as well as inside super, they would assess the any occupation inside super first.","start":230.585,"end":237.005,"sentiment":"neutral","sentiment_score":-0.09024316190995953},{"text":"If you didn't meet that definition, then they assess the out of pocket policy at that point.","start":237.145,"end":242.04,"sentiment":"neutral","sentiment_score":-0.20946362965247212},{"text":"But, realistically, you know, depending on what it is and what you do for work, if it was really serious, you know, you broke your back and could never go back to work again, then you would probably make that any definition.","start":242.43999,"end":252.45999,"sentiment":"negative","sentiment_score":-0.36468667696629253},{"text":"So but, yeah, it's more just about what triggers first.","start":252.68,"end":255.71999,"sentiment":"neutral","sentiment_score":-0.10818082317709923}],"sentiment":"neutral","sentiment_score":-0.22273917518117847,"channel":0,"num_words":102,"start":227.02,"end":255.71999},{"sentences":[{"text":"Normally, income protection is what is triggered first because you're still going through treatment, and income protection covers a portion of your income to help, you know, alleviate some expenditure and cover your bills in the short term whilst you're seeking treatment, trying to get back to work.","start":255.71999,"end":272.19,"sentiment":"neutral","sentiment_score":-0.04939809247540931},{"text":"And then if you then can't go back to work, then it triggers TBD after that point.","start":272.19,"end":276.35,"sentiment":"neutral","sentiment_score":-0.11257708006921936},{"text":"Does that make sense?","start":276.35,"end":277.41,"sentiment":"neutral","sentiment_score":-0.009967957623302937}],"sentiment":"neutral","sentiment_score":-0.06267812507955925,"channel":0,"num_words":69,"start":255.71999,"end":277.41},{"sentences":[{"text":"Yeah.","start":277.75,"end":277.99002,"sentiment":"neutral","sentiment_score":-0.06305092573165894},{"text":"No.","start":277.99002,"end":278.23,"sentiment":"neutral","sentiment_score":-0.25251027941703796},{"text":"That makes sense.","start":278.23,"end":278.925,"sentiment":"neutral","sentiment_score":-0.12276516358057658},{"text":"So, I mean,","start":279.00497,"end":279.32498,"sentiment":"neutral","sentiment_score":-0.05036510651310285}],"sentiment":"neutral","sentiment_score":-0.1043690019287169,"channel":1,"num_words":8,"start":277.75,"end":279.32498},{"sentences":[{"text":"Yeah.","start":279.31,"end":279.81,"sentiment":"neutral","sentiment_score":-0.03465835750102997}],"sentiment":"neutral","sentiment_score":-0.03465835750102997,"channel":0,"num_words":1,"start":279.31,"end":279.81},{"sentences":[{"text":"if I left it where I am right now, it'd be","start":279.32498,"end":281.88498,"sentiment":"neutral","sentiment_score":-0.18530206111344424}],"sentiment":"neutral","sentiment_score":-0.18530206111344424,"channel":1,"num_words":11,"start":279.32498,"end":281.88498},{"sentences":[{"text":"Mhmm.","start":281.87,"end":282.37,"sentiment":"neutral","sentiment_score":-0.14247652888298035}],"sentiment":"neutral","sentiment_score":-0.14247652888298035,"channel":0,"num_words":1,"start":281.87,"end":282.37},{"sentences":[{"text":"me trying to if that situation that would occur","start":281.88498,"end":285.645,"sentiment":"neutral","sentiment_score":-0.20513694981733957}],"sentiment":"neutral","sentiment_score":-0.20513694981733957,"channel":1,"num_words":9,"start":281.88498,"end":285.645},{"sentences":[{"text":"Yeah.","start":285.615,"end":286.115,"sentiment":"neutral","sentiment_score":-0.08757602423429489}],"sentiment":"neutral","sentiment_score":-0.08757602423429489,"channel":0,"num_words":1,"start":285.615,"end":286.115},{"sentences":[{"text":"that wouldn't normally trigger those, I guess I'd be down to what other options I'd have to do to cover expenses in the meantime and","start":285.645,"end":295.91998,"sentiment":"neutral","sentiment_score":-0.23362380146980286}],"sentiment":"neutral","sentiment_score":-0.23362380146980286,"channel":1,"num_words":25,"start":285.645,"end":295.91998},{"sentences":[{"text":"Yeah.","start":295.855,"end":296.355,"sentiment":"neutral","sentiment_score":-0.11246858537197112}],"sentiment":"neutral","sentiment_score":-0.11246858537197112,"channel":0,"num_words":1,"start":295.855,"end":296.355},{"sentences":[{"text":"whether I can hope hope and bid my luck on, like, hardship permissions while I wait for that stuff to kick in, I guess, would be my only option.","start":295.91998,"end":304.96,"sentiment":"neutral","sentiment_score":-0.2371259973994617},{"text":"There's there's no guarantee that that would be","start":304.96,"end":307.44,"sentiment":"negative","sentiment_score":-0.33477241918444633}],"sentiment":"neutral","sentiment_score":-0.2582387372448638,"channel":1,"num_words":37,"start":295.91998,"end":307.44},{"sentences":[{"text":"Yeah.","start":308.44,"end":308.94,"sentiment":"neutral","sentiment_score":-0.19288551807403564}],"sentiment":"neutral","sentiment_score":-0.19288551807403564,"channel":0,"num_words":1,"start":308.44,"end":308.94},{"sentences":[{"text":"would work","start":309.055,"end":309.615,"sentiment":"neutral","sentiment_score":-0.14644119143486023}],"sentiment":"neutral","sentiment_score":-0.14644119143486023,"channel":1,"num_words":2,"start":309.055,"end":309.615},{"sentences":[{"text":"Yeah.","start":309.4,"end":309.9,"sentiment":"neutral","sentiment_score":-0.1720714271068573}],"sentiment":"neutral","sentiment_score":-0.1720714271068573,"channel":0,"num_words":1,"start":309.4,"end":309.9},{"sentences":[{"text":"either.","start":309.615,"end":309.855,"sentiment":"neutral","sentiment_score":-0.2587519884109497},{"text":"Right?","start":309.855,"end":310.095,"sentiment":"neutral","sentiment_score":-0.20791926980018616},{"text":"So I guess that's a risk position that I'd have to take if I don't change that waiting","start":310.095,"end":315.135,"sentiment":"negative","sentiment_score":-0.5119851364029778}],"sentiment":"negative","sentiment_score":-0.48412018567323684,"channel":1,"num_words":20,"start":309.615,"end":315.135},{"sentences":[{"text":"Yeah.","start":314.935,"end":315.435,"sentiment":"neutral","sentiment_score":-0.1905701756477356}],"sentiment":"neutral","sentiment_score":-0.1905701756477356,"channel":0,"num_words":1,"start":314.935,"end":315.435},{"sentences":[{"text":"period for now.","start":315.135,"end":316.275,"sentiment":"neutral","sentiment_score":-0.17478948334852853}],"sentiment":"neutral","sentiment_score":-0.17478948334852853,"channel":1,"num_words":3,"start":315.135,"end":316.275},{"sentences":[{"text":"Absolutely.","start":316.775,"end":317.255,"sentiment":"neutral","sentiment_score":-0.1050536036491394},{"text":"The other side of it is with those hardship provisions, to access hardship through your super, you have to be on Centrelink for twenty six weeks because they require what's called a q two thirty letter.","start":317.255,"end":326.89,"sentiment":"neutral","sentiment_score":-0.12100872262898418},{"text":"So you'd have to be off work and on Centrelink receiving that for six months prior to you actually being able to claim.","start":327.11002,"end":333.21002,"sentiment":"neutral","sentiment_score":-0.17819758731385935}],"sentiment":"neutral","sentiment_score":-0.14266520210852227,"channel":0,"num_words":60,"start":316.775,"end":333.21002},{"sentences":[{"text":"Yep.","start":333.71002,"end":333.885,"sentiment":"neutral","sentiment_score":-0.10324808955192566}],"sentiment":"neutral","sentiment_score":-0.10324808955192566,"channel":1,"num_words":1,"start":333.71002,"end":333.885},{"sentences":[{"text":"And that is that's quite a a condition to meet.","start":333.75,"end":336.965,"sentiment":"negative","sentiment_score":-0.3358395278453827},{"text":"That would be requiring you to not be able to work for six months and still having to be able to receive some sort of settling benefits, which are pretty minimal at this point in time.","start":336.965,"end":346.56497,"sentiment":"negative","sentiment_score":-0.38903217514355976},{"text":"So","start":346.56497,"end":347.06497,"sentiment":"negative","sentiment_score":-0.3346567153930664}],"sentiment":"negative","sentiment_score":-0.3765576659364903,"channel":0,"num_words":47,"start":333.75,"end":347.06497},{"sentences":[{"text":"Yeah.","start":347.405,"end":347.67,"sentiment":"negative","sentiment_score":-0.35765641927719116}],"sentiment":"negative","sentiment_score":-0.35765641927719116,"channel":1,"num_words":1,"start":347.405,"end":347.67},{"sentences":[{"text":"that that is definitely increasing the risk level there for you.","start":347.525,"end":350.485,"sentiment":"negative","sentiment_score":-0.5993123542178761},{"text":"So I mean, with with the way that I've tried to sort of structure the income protection to alleviate that a little bit is to kind of whilst we're reducing the waiting period to thirty days, also reduce that benefit period back from age 65 to five years.","start":350.485,"end":363.79,"sentiment":"neutral","sentiment_score":-0.15278428280726075},{"text":"Because, realistically, if you think about, you know, what could","start":363.79,"end":366.57498,"sentiment":"neutral","sentiment_score":-0.1677490070462227}],"sentiment":"neutral","sentiment_score":-0.22613871799430985,"channel":0,"num_words":69,"start":347.525,"end":366.57498},{"sentences":[{"text":"That's where","start":366.405,"end":366.805,"sentiment":"neutral","sentiment_score":-0.254048615694046}],"sentiment":"neutral","sentiment_score":-0.254048615694046,"channel":1,"num_words":2,"start":366.405,"end":366.805},{"sentences":[{"text":"go wrong","start":366.57498,"end":367.055,"sentiment":"negative","sentiment_score":-0.3592461496591568}],"sentiment":"negative","sentiment_score":-0.3592461496591568,"channel":0,"num_words":2,"start":366.57498,"end":367.055},{"sentences":[{"text":"it triggers all the extra things if I'm not back by then.","start":366.805,"end":369.205,"sentiment":"negative","sentiment_score":-0.3954535673062007},{"text":"Right?","start":369.205,"end":369.705,"sentiment":"neutral","sentiment_score":-0.07852458953857422},{"text":"So","start":369.925,"end":370.425,"sentiment":"neutral","sentiment_score":-0.06276916712522507}],"sentiment":"negative","sentiment_score":-0.3490526117384434,"channel":1,"num_words":14,"start":366.805,"end":370.425},{"sentences":[{"text":"Exactly.","start":369.935,"end":370.435,"sentiment":"neutral","sentiment_score":-0.026298031210899353},{"text":"Yeah.","start":370.495,"end":370.895,"sentiment":"neutral","sentiment_score":0.011172853410243988},{"text":"Definitely.","start":370.895,"end":371.395,"sentiment":"neutral","sentiment_score":0.03410309925675392}],"sentiment":"neutral","sentiment_score":0.006325973818699519,"channel":0,"num_words":3,"start":369.935,"end":371.395},{"sentences":[{"text":"so and I I don't want to cause more work for you, but I'm just thinking,","start":371.685,"end":375.25998,"sentiment":"neutral","sentiment_score":-0.154290237929672}],"sentiment":"neutral","sentiment_score":-0.154290237929672,"channel":1,"num_words":16,"start":371.685,"end":375.25998},{"sentences":[{"text":"No.","start":374.975,"end":375.475,"sentiment":"neutral","sentiment_score":-0.23161551356315613}],"sentiment":"neutral","sentiment_score":-0.23161551356315613,"channel":0,"num_words":1,"start":374.975,"end":375.475},{"sentences":[{"text":"do we do we seek that other one, that that alternate quote that would be to the two years","start":375.25998,"end":380.63998,"sentiment":"neutral","sentiment_score":-0.09296825606572001}],"sentiment":"neutral","sentiment_score":-0.09296825606572001,"channel":1,"num_words":19,"start":375.25998,"end":380.63998},{"sentences":[{"text":"Yeah.","start":381.04,"end":381.36002,"sentiment":"neutral","sentiment_score":0.008626369759440422}],"sentiment":"neutral","sentiment_score":0.008626369759440422,"channel":0,"num_words":1,"start":381.04,"end":381.36002},{"sentences":[{"text":"maybe?","start":381.25998,"end":381.75998,"sentiment":"neutral","sentiment_score":0.022082049399614338}],"sentiment":"neutral","sentiment_score":0.022082049399614338,"channel":1,"num_words":1,"start":381.25998,"end":381.75998},{"sentences":[{"text":"I can organize","start":381.36002,"end":382.24,"sentiment":"neutral","sentiment_score":0.02224935342868169}],"sentiment":"neutral","sentiment_score":0.02224935342868169,"channel":0,"num_words":3,"start":381.36002,"end":382.24},{"sentences":[{"text":"And","start":382.22,"end":382.72,"sentiment":"neutral","sentiment_score":0.005973853170871735}],"sentiment":"neutral","sentiment_score":0.005973853170871735,"channel":1,"num_words":1,"start":382.22,"end":382.72},{"sentences":[{"text":"that.","start":382.24,"end":382.74,"sentiment":"neutral","sentiment_score":0.0026323292404413223},{"text":"Yep.","start":382.80002,"end":383.30002,"sentiment":"neutral","sentiment_score":0.023807134479284286}],"sentiment":"neutral","sentiment_score":0.013219731859862804,"channel":0,"num_words":2,"start":382.24,"end":383.30002},{"sentences":[{"text":"I'm just yeah.","start":383.34,"end":384.62,"sentiment":"neutral","sentiment_score":-0.029432231560349464},{"text":"And I know that premiums are going up right now.","start":384.62,"end":388.505,"sentiment":"neutral","sentiment_score":-0.08070327341556549},{"text":"I'm just the other","start":388.565,"end":389.445,"sentiment":"neutral","sentiment_score":-0.0427221953868866}],"sentiment":"neutral","sentiment_score":-0.06271871825789704,"channel":1,"num_words":17,"start":383.34,"end":389.445},{"sentences":[{"text":"Yes.","start":389.28,"end":389.78,"sentiment":"neutral","sentiment_score":-0.00436672568321228}],"sentiment":"neutral","sentiment_score":-0.00436672568321228,"channel":0,"num_words":1,"start":389.28,"end":389.78},{"sentences":[{"text":"the other part that's playing through my mind is that this would see an increase in that premium again.","start":389.445,"end":395.365,"sentiment":"neutral","sentiment_score":-0.09905268977347173},{"text":"But if it's gonna keep increasing each","start":395.365,"end":398.345,"sentiment":"neutral","sentiment_score":-0.16091628798416682}],"sentiment":"neutral","sentiment_score":-0.11570827390712041,"channel":1,"num_words":26,"start":389.445,"end":398.345},{"sentences":[{"text":"Mhmm.","start":397.85498,"end":398.35498,"sentiment":"neutral","sentiment_score":-0.09228266775608064}],"sentiment":"neutral","sentiment_score":-0.09228266775608064,"channel":0,"num_words":1,"start":397.85498,"end":398.35498},{"sentences":[{"text":"year, like, what does it does it have a max cap out that that premium would reach per","start":398.885,"end":403.84,"sentiment":"neutral","sentiment_score":-0.09214372725950347}],"sentiment":"neutral","sentiment_score":-0.09214372725950347,"channel":1,"num_words":18,"start":398.885,"end":403.84},{"sentences":[{"text":"No.","start":403.775,"end":404.275,"sentiment":"neutral","sentiment_score":-0.1467490941286087}],"sentiment":"neutral","sentiment_score":-0.1467490941286087,"channel":0,"num_words":1,"start":403.775,"end":404.275},{"sentences":[{"text":"month?","start":403.84,"end":404.32,"sentiment":"neutral","sentiment_score":-0.12243543565273284},{"text":"Because","start":404.32,"end":404.82,"sentiment":"neutral","sentiment_score":-0.16847065091133118}],"sentiment":"neutral","sentiment_score":-0.145453043282032,"channel":1,"num_words":2,"start":403.84,"end":404.82},{"sentences":[{"text":"No.","start":404.57498,"end":405.07498,"sentiment":"neutral","sentiment_score":-0.2401038110256195},{"text":"Definitely","start":405.56,"end":406.06,"sentiment":"neutral","sentiment_score":-0.20716241002082825}],"sentiment":"neutral","sentiment_score":-0.22363311052322388,"channel":0,"num_words":2,"start":404.57498,"end":406.06},{"sentences":[{"text":"yeah.","start":405.68,"end":406.18,"sentiment":"neutral","sentiment_score":-0.2049899697303772}],"sentiment":"neutral","sentiment_score":-0.2049899697303772,"channel":1,"num_words":1,"start":405.68,"end":406.18},{"sentences":[{"text":"not.","start":406.12,"end":406.44,"sentiment":"neutral","sentiment_score":-0.259725421667099},{"text":"That they will just keep increasing.","start":406.44,"end":407.96,"sentiment":"neutral","sentiment_score":-0.2670932511488597},{"text":"And one of the things we sort of want to look at with insurances is we tend to need to have a higher level of cover now.","start":407.96,"end":413.81998,"sentiment":"neutral","sentiment_score":-0.18695639073848724},{"text":"We pay down our mortgage as much as possible, get our super balance up even higher, and then we can start to decrease the cover.","start":414.44,"end":421.05502,"sentiment":"neutral","sentiment_score":-0.14516301870346068},{"text":"So, realistically, we should be able to decrease the cover over time.","start":421.05502,"end":424.755,"sentiment":"neutral","sentiment_score":-0.10368973885973294}],"sentiment":"neutral","sentiment_score":-0.16596422270989755,"channel":0,"num_words":71,"start":406.12,"end":424.755},{"sentences":[{"text":"I'm absolutely happy to get that quote for you.","start":425.535,"end":428.255,"sentiment":"positive","sentiment_score":0.8252565397156609},{"text":"I just need to let you know I'm away next week.","start":428.255,"end":430.62,"sentiment":"neutral","sentiment_score":0.14582317491823976},{"text":"So I will get my team to organize the quote, and I will get one of them to email that through to you to have a look at.","start":430.62,"end":436.38,"sentiment":"neutral","sentiment_score":0.19657653543565953},{"text":"It takes about five to seven days to come through from Chow.","start":436.38,"end":439.18,"sentiment":"neutral","sentiment_score":0.04144018112371365},{"text":"That's why, unfortunately, I couldn't have didn't","start":439.18,"end":441.26,"sentiment":"neutral","sentiment_score":-0.21280227388654435}],"sentiment":"neutral","sentiment_score":0.20213691089580307,"channel":0,"num_words":67,"start":425.535,"end":441.26},{"sentences":[{"text":"Yeah.","start":441.24503,"end":441.48502,"sentiment":"neutral","sentiment_score":-0.07889145612716675}],"sentiment":"neutral","sentiment_score":-0.07889145612716675,"channel":1,"num_words":1,"start":441.24503,"end":441.48502},{"sentences":[{"text":"quite","start":441.26,"end":441.5,"sentiment":"neutral","sentiment_score":-0.11192379891872406}],"sentiment":"neutral","sentiment_score":-0.11192379891872406,"channel":0,"num_words":1,"start":441.26,"end":441.5},{"sentences":[{"text":"No.","start":441.48502,"end":441.64502,"sentiment":"neutral","sentiment_score":-0.24627171456813812}],"sentiment":"neutral","sentiment_score":-0.24627171456813812,"channel":1,"num_words":1,"start":441.48502,"end":441.64502},{"sentences":[{"text":"get","start":441.5,"end":441.66,"sentiment":"neutral","sentiment_score":-0.1544003188610077}],"sentiment":"neutral","sentiment_score":-0.1544003188610077,"channel":0,"num_words":1,"start":441.5,"end":441.66},{"sentences":[{"text":"No.","start":441.64502,"end":441.80502,"sentiment":"neutral","sentiment_score":-0.2314164638519287}],"sentiment":"neutral","sentiment_score":-0.2314164638519287,"channel":1,"num_words":1,"start":441.64502,"end":441.80502},{"sentences":[{"text":"the quote","start":441.66,"end":442.06,"sentiment":"neutral","sentiment_score":-0.207044318318367}],"sentiment":"neutral","sentiment_score":-0.207044318318367,"channel":0,"num_words":2,"start":441.66,"end":442.06},{"sentences":[{"text":"No.","start":441.80502,"end":441.96503,"sentiment":"neutral","sentiment_score":-0.2446948289871216},{"text":"That's","start":441.96503,"end":442.46503,"sentiment":"neutral","sentiment_score":-0.3023252487182617}],"sentiment":"neutral","sentiment_score":-0.27351003885269165,"channel":1,"num_words":2,"start":441.80502,"end":442.46503},{"sentences":[{"text":"done last time.","start":442.06,"end":442.69998,"sentiment":"neutral","sentiment_score":-0.3059368034203847},{"text":"I do apologize about that.","start":442.69998,"end":444.375,"sentiment":"neutral","sentiment_score":-0.3001047849655151}],"sentiment":"neutral","sentiment_score":-0.30229179188609123,"channel":0,"num_words":8,"start":442.06,"end":444.375},{"sentences":[{"text":"no.","start":444.36502,"end":444.605,"sentiment":"neutral","sentiment_score":-0.18063141405582428},{"text":"That's","start":444.605,"end":444.845,"sentiment":"neutral","sentiment_score":-0.13809336721897125}],"sentiment":"neutral","sentiment_score":-0.15936239063739777,"channel":1,"num_words":2,"start":444.36502,"end":444.845},{"sentences":[{"text":"But","start":444.695,"end":444.855,"sentiment":"neutral","sentiment_score":-0.07900585979223251}],"sentiment":"neutral","sentiment_score":-0.07900585979223251,"channel":0,"num_words":1,"start":444.695,"end":444.855},{"sentences":[{"text":"alright.","start":444.845,"end":445.345,"sentiment":"neutral","sentiment_score":0.07466655224561691}],"sentiment":"neutral","sentiment_score":0.07466655224561691,"channel":1,"num_words":1,"start":444.845,"end":445.345},{"sentences":[{"text":"is that okay with you if we get the I'll organize that tomorrow from my team, and I'll get one of them to email through to you when they receive it next week.","start":444.855,"end":452.695,"sentiment":"neutral","sentiment_score":0.20732223265098804},{"text":"Is that okay?","start":452.695,"end":453.515,"sentiment":"neutral","sentiment_score":0.16810828944047293}],"sentiment":"neutral","sentiment_score":0.20405440405011177,"channel":0,"num_words":36,"start":444.855,"end":453.515},{"sentences":[{"text":"Yeah.","start":453.97,"end":454.21,"sentiment":"neutral","sentiment_score":0.022411711513996124},{"text":"No.","start":454.21,"end":454.29,"sentiment":"neutral","sentiment_score":-0.05184970423579216},{"text":"That's fine.","start":454.29,"end":454.85,"sentiment":"neutral","sentiment_score":0.048717062920331955},{"text":"Because","start":454.85,"end":455.35,"sentiment":"neutral","sentiment_score":-0.009879536926746368}],"sentiment":"neutral","sentiment_score":0.011623319238424301,"channel":1,"num_words":5,"start":453.97,"end":455.35},{"sentences":[{"text":"Yes.","start":455.335,"end":455.835,"sentiment":"neutral","sentiment_score":0.04692700505256653}],"sentiment":"neutral","sentiment_score":0.04692700505256653,"channel":0,"num_words":1,"start":455.335,"end":455.835},{"sentences":[{"text":"the way I look at it at the moment, I look at my insurances, and I mean, it's it's all for valid reasons.","start":455.73,"end":460.61,"sentiment":"neutral","sentiment_score":-0.031200824062461437},{"text":"But at the same time, these insurances are the ones that are probably eating the most out monthly.","start":460.61,"end":467.01,"sentiment":"neutral","sentiment_score":-0.15042389184236526},{"text":"And I mean, there's good reason for that, but at the same time,","start":467.01,"end":469.77502,"sentiment":"neutral","sentiment_score":-0.09073662070127633}],"sentiment":"neutral","sentiment_score":-0.08527453843918112,"channel":1,"num_words":54,"start":455.73,"end":469.77502},{"sentences":[{"text":"It still it still","start":470.07,"end":471.11002,"sentiment":"neutral","sentiment_score":-0.29877953231334686}],"sentiment":"neutral","sentiment_score":-0.29877953231334686,"channel":0,"num_words":4,"start":470.07,"end":471.11002},{"sentences":[{"text":"it","start":471.035,"end":471.355,"sentiment":"negative","sentiment_score":-0.3633759617805481}],"sentiment":"negative","sentiment_score":-0.3633759617805481,"channel":1,"num_words":1,"start":471.035,"end":471.355},{"sentences":[{"text":"affects","start":471.11002,"end":471.375,"sentiment":"negative","sentiment_score":-0.35412728786468506}],"sentiment":"negative","sentiment_score":-0.35412728786468506,"channel":0,"num_words":1,"start":471.11002,"end":471.375},{"sentences":[{"text":"it","start":471.355,"end":471.83502,"sentiment":"negative","sentiment_score":-0.4624841809272766}],"sentiment":"negative","sentiment_score":-0.4624841809272766,"channel":1,"num_words":1,"start":471.355,"end":471.83502},{"sentences":[{"text":"you.","start":471.375,"end":471.875,"sentiment":"negative","sentiment_score":-0.36713358759880066}],"sentiment":"negative","sentiment_score":-0.36713358759880066,"channel":0,"num_words":1,"start":471.375,"end":471.875},{"sentences":[{"text":"it it still sucks out a bunch of cash flow","start":471.83502,"end":474.095,"sentiment":"negative","sentiment_score":-0.508179584145546}],"sentiment":"negative","sentiment_score":-0.508179584145546,"channel":1,"num_words":10,"start":471.83502,"end":474.095},{"sentences":[{"text":"Yeah.","start":474.095,"end":474.595,"sentiment":"neutral","sentiment_score":-0.1092974692583084},{"text":"Absolutely.","start":474.655,"end":475.155,"sentiment":"neutral","sentiment_score":0.031848348677158356}],"sentiment":"neutral","sentiment_score":-0.03872456029057502,"channel":0,"num_words":2,"start":474.095,"end":475.155},{"sentences":[{"text":"at the moment.","start":474.795,"end":475.535,"sentiment":"neutral","sentiment_score":-0.0016754654546578724}],"sentiment":"neutral","sentiment_score":-0.0016754654546578724,"channel":1,"num_words":3,"start":474.795,"end":475.535},{"sentences":[{"text":"Completely understand.","start":475.455,"end":476.655,"sentiment":"neutral","sentiment_score":0.08040235936641693},{"text":"And you've got kids and normal expenses","start":476.655,"end":478.755,"sentiment":"neutral","sentiment_score":-0.03932082307125841}],"sentiment":"neutral","sentiment_score":-0.012715671418441666,"channel":0,"num_words":9,"start":475.455,"end":478.755},{"sentences":[{"text":"Well,","start":478.875,"end":479.035,"sentiment":"neutral","sentiment_score":-0.01597469300031662}],"sentiment":"neutral","sentiment_score":-0.01597469300031662,"channel":1,"num_words":1,"start":478.875,"end":479.035},{"sentences":[{"text":"and","start":478.895,"end":479.135,"sentiment":"neutral","sentiment_score":-0.01686248555779457}],"sentiment":"neutral","sentiment_score":-0.01686248555779457,"channel":0,"num_words":1,"start":478.895,"end":479.135},{"sentences":[{"text":"look,","start":479.035,"end":479.355,"sentiment":"neutral","sentiment_score":-0.03015201725065708}],"sentiment":"neutral","sentiment_score":-0.03015201725065708,"channel":1,"num_words":1,"start":479.035,"end":479.355},{"sentences":[{"text":"school","start":479.135,"end":479.375,"sentiment":"neutral","sentiment_score":-0.04308128729462624}],"sentiment":"neutral","sentiment_score":-0.04308128729462624,"channel":0,"num_words":1,"start":479.135,"end":479.375},{"sentences":[{"text":"this","start":479.355,"end":479.855,"sentiment":"neutral","sentiment_score":-0.04030468314886093}],"sentiment":"neutral","sentiment_score":-0.04030468314886093,"channel":1,"num_words":1,"start":479.355,"end":479.855},{"sentences":[{"text":"and all the things going","start":479.375,"end":480.575,"sentiment":"neutral","sentiment_score":-0.035749200731515884}],"sentiment":"neutral","sentiment_score":-0.035749200731515884,"channel":0,"num_words":5,"start":479.375,"end":480.575},{"sentences":[{"text":"I'll","start":480.555,"end":480.795,"sentiment":"neutral","sentiment_score":-0.03068385273218155}],"sentiment":"neutral","sentiment_score":-0.03068385273218155,"channel":1,"num_words":1,"start":480.555,"end":480.795},{"sentences":[{"text":"on.","start":480.575,"end":481.055,"sentiment":"neutral","sentiment_score":-0.031802814453840256}],"sentiment":"neutral","sentiment_score":-0.031802814453840256,"channel":0,"num_words":1,"start":480.575,"end":481.055},{"sentences":[{"text":"I'll","start":480.795,"end":481.27502,"sentiment":"neutral","sentiment_score":-0.001628336845897138}],"sentiment":"neutral","sentiment_score":-0.001628336845897138,"channel":1,"num_words":1,"start":480.795,"end":481.27502},{"sentences":[{"text":"So","start":481.055,"end":481.215,"sentiment":"neutral","sentiment_score":-0.004311449825763702}],"sentiment":"neutral","sentiment_score":-0.004311449825763702,"channel":0,"num_words":1,"start":481.055,"end":481.215},{"sentences":[{"text":"be going back to my budget last night.","start":481.27502,"end":482.795,"sentiment":"neutral","sentiment_score":-0.02023259666748345},{"text":"I'm like, oh, finally, they'd finished their final swimming lessons and then that would cover it.","start":482.795,"end":487.13,"sentiment":"neutral","sentiment_score":0.031894346058834344},{"text":"Right?","start":487.13,"end":487.53,"sentiment":"neutral","sentiment_score":0.032566316425800323},{"text":"Like, the the cost for last two in swimming lessons that","start":487.53,"end":491.61,"sentiment":"neutral","sentiment_score":0.0055346541445363655}],"sentiment":"neutral","sentiment_score":0.01227489654492173,"channel":1,"num_words":36,"start":481.27502,"end":491.61},{"sentences":[{"text":"Yeah.","start":491.36002,"end":491.6,"sentiment":"neutral","sentiment_score":0.03169378638267517},{"text":"Yep.","start":491.6,"end":492.1,"sentiment":"neutral","sentiment_score":0.043923258781433105}],"sentiment":"neutral","sentiment_score":0.03780852258205414,"channel":0,"num_words":2,"start":491.36002,"end":492.1},{"sentences":[{"text":"that ends up equaling out to about what the premium would be.","start":491.61,"end":494.49,"sentiment":"neutral","sentiment_score":-0.053362019980947174},{"text":"I'm like, oh, I can't remove that, but now I want the kids to","start":494.49,"end":499.005,"sentiment":"neutral","sentiment_score":0.011141430320484298}],"sentiment":"neutral","sentiment_score":-0.018629392895561,"channel":1,"num_words":26,"start":491.61,"end":499.005},{"sentences":[{"text":"Yes.","start":498.56,"end":499.06,"sentiment":"neutral","sentiment_score":0.06490255892276764}],"sentiment":"neutral","sentiment_score":0.06490255892276764,"channel":0,"num_words":1,"start":498.56,"end":499.06},{"sentences":[{"text":"swim.","start":500.98502,"end":501.14502,"sentiment":"neutral","sentiment_score":0.05865349993109703}],"sentiment":"neutral","sentiment_score":0.05865349993109703,"channel":1,"num_words":1,"start":500.98502,"end":501.14502},{"sentences":[{"text":"Yeah.","start":501.035,"end":501.535,"sentiment":"neutral","sentiment_score":0.016007548198103905}],"sentiment":"neutral","sentiment_score":0.016007548198103905,"channel":0,"num_words":1,"start":501.035,"end":501.535},{"sentences":[{"text":"So, yeah, just","start":501.14502,"end":501.785,"sentiment":"neutral","sentiment_score":0.01792963221669197}],"sentiment":"neutral","sentiment_score":0.01792963221669197,"channel":1,"num_words":3,"start":501.14502,"end":501.785},{"sentences":[{"text":"Yep.","start":501.67502,"end":502.17502,"sentiment":"neutral","sentiment_score":0.0072640045545995235}],"sentiment":"neutral","sentiment_score":0.0072640045545995235,"channel":0,"num_words":1,"start":501.67502,"end":502.17502},{"sentences":[{"text":"trying to just","start":501.785,"end":502.265,"sentiment":"neutral","sentiment_score":-0.0414212221900622}],"sentiment":"neutral","sentiment_score":-0.0414212221900622,"channel":1,"num_words":3,"start":501.785,"end":502.265},{"sentences":[{"text":"It","start":502.23502,"end":502.73502,"sentiment":"neutral","sentiment_score":-0.052852582186460495}],"sentiment":"neutral","sentiment_score":-0.052852582186460495,"channel":0,"num_words":1,"start":502.23502,"end":502.73502},{"sentences":[{"text":"trying to shift things around and try to rebuild everything, I guess, in my challenge right now.","start":502.265,"end":506.505,"sentiment":"neutral","sentiment_score":-0.08177199411918135}],"sentiment":"neutral","sentiment_score":-0.08177199411918135,"channel":1,"num_words":17,"start":502.265,"end":506.505},{"sentences":[{"text":"was.","start":506.23502,"end":506.475,"sentiment":"neutral","sentiment_score":-0.014598803594708444},{"text":"Yeah.","start":506.475,"end":506.975,"sentiment":"neutral","sentiment_score":0.0395018607378006}],"sentiment":"neutral","sentiment_score":0.012451528571546078,"channel":0,"num_words":2,"start":506.23502,"end":506.975},{"sentences":[{"text":"And,","start":506.505,"end":507.005,"sentiment":"neutral","sentiment_score":0.04334647953510285}],"sentiment":"neutral","sentiment_score":0.04334647953510285,"channel":1,"num_words":1,"start":506.505,"end":507.005},{"sentences":[{"text":"Absolutely.","start":507.035,"end":507.535,"sentiment":"neutral","sentiment_score":0.07148401439189911}],"sentiment":"neutral","sentiment_score":0.07148401439189911,"channel":0,"num_words":1,"start":507.035,"end":507.535},{"sentences":[{"text":"yeah,","start":508.665,"end":509.065,"sentiment":"neutral","sentiment_score":0.013401295989751816}],"sentiment":"neutral","sentiment_score":0.013401295989751816,"channel":1,"num_words":1,"start":508.665,"end":509.065},{"sentences":[{"text":"No.","start":508.795,"end":509.035,"sentiment":"neutral","sentiment_score":-0.05692872405052185},{"text":"That's","start":509.035,"end":509.275,"sentiment":"neutral","sentiment_score":-0.04369020462036133}],"sentiment":"neutral","sentiment_score":-0.05030946433544159,"channel":0,"num_words":2,"start":508.795,"end":509.275},{"sentences":[{"text":"whether,","start":509.065,"end":509.565,"sentiment":"neutral","sentiment_score":-0.05032055824995041}],"sentiment":"neutral","sentiment_score":-0.05032055824995041,"channel":1,"num_words":1,"start":509.065,"end":509.565},{"sentences":[{"text":"okay.","start":509.275,"end":509.775,"sentiment":"neutral","sentiment_score":0.015696004033088684}],"sentiment":"neutral","sentiment_score":0.015696004033088684,"channel":0,"num_words":1,"start":509.275,"end":509.775},{"sentences":[{"text":"yeah, I can see that see what that quote I mean, the the rest makes sense.","start":509.91,"end":513.51,"sentiment":"neutral","sentiment_score":0.11676359875127673},{"text":"So I guess","start":513.51,"end":514.33,"sentiment":"neutral","sentiment_score":0.05220873778065046}],"sentiment":"neutral","sentiment_score":0.106570725966441,"channel":1,"num_words":19,"start":509.91,"end":514.33},{"sentences":[{"text":"Yeah.","start":514.475,"end":514.8,"sentiment":"neutral","sentiment_score":-0.02215147390961647}],"sentiment":"neutral","sentiment_score":-0.02215147390961647,"channel":0,"num_words":1,"start":514.475,"end":514.8},{"sentences":[{"text":"the the change to the fixing up what's what's underperforming in that bit.","start":515.43,"end":521.27,"sentiment":"neutral","sentiment_score":-0.2513397347468596},{"text":"That all makes","start":521.27,"end":521.99,"sentiment":"neutral","sentiment_score":0.029200656960407894}],"sentiment":"neutral","sentiment_score":-0.19873841130174696,"channel":1,"num_words":16,"start":515.43,"end":521.99},{"sentences":[{"text":"Correct.","start":521.76,"end":522.26,"sentiment":"neutral","sentiment_score":0.08160586655139923}],"sentiment":"neutral","sentiment_score":0.08160586655139923,"channel":0,"num_words":1,"start":521.76,"end":522.26},{"sentences":[{"text":"sense.","start":521.99,"end":522.345,"sentiment":"neutral","sentiment_score":0.06388019025325775}],"sentiment":"neutral","sentiment_score":0.06388019025325775,"channel":1,"num_words":1,"start":521.99,"end":522.345},{"sentences":[{"text":"Yep.","start":522.88,"end":523.38,"sentiment":"neutral","sentiment_score":0.05376560986042023}],"sentiment":"neutral","sentiment_score":0.05376560986042023,"channel":0,"num_words":1,"start":522.88,"end":523.38},{"sentences":[{"text":"I don't know whether we can separate that part of the device out while we fix up the rest of the insurance piece or not.","start":525.06494,"end":531.865,"sentiment":"neutral","sentiment_score":-0.0770490263402462},{"text":"But","start":531.865,"end":532.365,"sentiment":"neutral","sentiment_score":-0.0203482024371624}],"sentiment":"neutral","sentiment_score":-0.07486822542089683,"channel":1,"num_words":26,"start":525.06494,"end":532.365},{"sentences":[{"text":"Yep.","start":532.735,"end":533.235,"sentiment":"neutral","sentiment_score":0.002095834817737341}],"sentiment":"neutral","sentiment_score":0.002095834817737341,"channel":0,"num_words":1,"start":532.735,"end":533.235},{"sentences":[{"text":"my other question my only question on that one was","start":532.745,"end":535.64496,"sentiment":"neutral","sentiment_score":-0.044878175109624864}],"sentiment":"neutral","sentiment_score":-0.044878175109624864,"channel":1,"num_words":10,"start":532.745,"end":535.64496},{"sentences":[{"text":"Mhmm.","start":535.375,"end":535.875,"sentiment":"neutral","sentiment_score":-0.04244346171617508}],"sentiment":"neutral","sentiment_score":-0.04244346171617508,"channel":0,"num_words":1,"start":535.375,"end":535.875},{"sentences":[{"text":"knowing where they're flirting with that $3,000,000 cap.","start":536.67004,"end":540.77,"sentiment":"neutral","sentiment_score":-0.11168662179261446}],"sentiment":"neutral","sentiment_score":-0.11168662179261446,"channel":1,"num_words":8,"start":536.67004,"end":540.77},{"sentences":[{"text":"Mhmm.","start":541.135,"end":541.635,"sentiment":"neutral","sentiment_score":-0.010821791365742683}],"sentiment":"neutral","sentiment_score":-0.010821791365742683,"channel":0,"num_words":1,"start":541.135,"end":541.635},{"sentences":[{"text":"Do at what point, and it doesn't have to be now, but it's probably something","start":544.27,"end":547.71,"sentiment":"neutral","sentiment_score":-0.07329055269559225}],"sentiment":"neutral","sentiment_score":-0.07329055269559225,"channel":1,"num_words":15,"start":544.27,"end":547.71},{"sentences":[{"text":"Yeah.","start":547.52,"end":548.02,"sentiment":"neutral","sentiment_score":0.008039353415369987}],"sentiment":"neutral","sentiment_score":0.008039353415369987,"channel":0,"num_words":1,"start":547.52,"end":548.02},{"sentences":[{"text":"within the next review cycle,","start":547.71,"end":549.41003,"sentiment":"neutral","sentiment_score":0.006074032932519913}],"sentiment":"neutral","sentiment_score":0.006074032932519913,"channel":1,"num_words":5,"start":547.71,"end":549.41003},{"sentences":[{"text":"Mhmm.","start":550.16,"end":550.66,"sentiment":"neutral","sentiment_score":0.025053884834051132}],"sentiment":"neutral","sentiment_score":0.025053884834051132,"channel":0,"num_words":1,"start":550.16,"end":550.66},{"sentences":[{"text":"Happens.","start":552.28503,"end":552.78503,"sentiment":"neutral","sentiment_score":0.03301452472805977},{"text":"It's done.","start":555.005,"end":555.585,"sentiment":"neutral","sentiment_score":0.03519586846232414},{"text":"Sorry.","start":556.16504,"end":556.66504,"sentiment":"neutral","sentiment_score":-0.06203139573335648},{"text":"Hold on here","start":557.245,"end":558.925,"sentiment":"neutral","sentiment_score":-0.03975226543843746}],"sentiment":"neutral","sentiment_score":-0.011125990056565829,"channel":1,"num_words":7,"start":552.28503,"end":558.925},{"sentences":[{"text":"No.","start":559.055,"end":559.215,"sentiment":"neutral","sentiment_score":-0.134253591299057},{"text":"You're","start":559.215,"end":559.615,"sentiment":"neutral","sentiment_score":-0.12604746222496033}],"sentiment":"neutral","sentiment_score":-0.13015052676200867,"channel":0,"num_words":2,"start":559.055,"end":559.615},{"sentences":[{"text":"as","start":559.365,"end":559.865,"sentiment":"neutral","sentiment_score":-0.08715333044528961}],"sentiment":"neutral","sentiment_score":-0.08715333044528961,"channel":1,"num_words":1,"start":559.365,"end":559.865},{"sentences":[{"text":"right.","start":559.615,"end":560.115,"sentiment":"neutral","sentiment_score":-0.03747294470667839}],"sentiment":"neutral","sentiment_score":-0.03747294470667839,"channel":0,"num_words":1,"start":559.615,"end":560.115},{"sentences":[{"text":"well.","start":560.305,"end":560.805,"sentiment":"neutral","sentiment_score":0.060148946940898895},{"text":"Okay.","start":561.245,"end":561.745,"sentiment":"neutral","sentiment_score":0.1224103346467018},{"text":"Ready.","start":563.005,"end":563.505,"sentiment":"neutral","sentiment_score":0.11667244136333466},{"text":"Are you trying to play as well, Patty?","start":568.14996,"end":569.69,"sentiment":"neutral","sentiment_score":0.11682995222508907},{"text":"No.","start":574.70996,"end":575.02997,"sentiment":"neutral","sentiment_score":-0.06583990156650543}],"sentiment":"neutral","sentiment_score":0.09733595326542854,"channel":1,"num_words":12,"start":560.305,"end":575.02997},{"sentences":[{"text":"Okay.","start":575.02997,"end":575.43,"sentiment":"neutral","sentiment_score":0.0195973739027977},{"text":"Or you just have to wait for a second.","start":575.43,"end":576.70996,"sentiment":"neutral","sentiment_score":0.017611271805233426},{"text":"I'll get it sorted out for you in a second.","start":576.70996,"end":578.27496,"sentiment":"neutral","sentiment_score":0.2487949937582016},{"text":"Okay?","start":578.27496,"end":578.595,"sentiment":"positive","sentiment_score":0.34495803713798523},{"text":"Just keep her happy, and then I'll go buy you something on my home.","start":578.595,"end":581.815,"sentiment":"positive","sentiment_score":0.5214205469403949}],"sentiment":"neutral","sentiment_score":0.29459698434386933,"channel":1,"num_words":35,"start":575.02997,"end":581.815},{"sentences":[{"text":"Mhmm.","start":583.635,"end":584.135,"sentiment":"neutral","sentiment_score":0.063460573554039},{"text":"Yeah.","start":585.955,"end":586.195,"sentiment":"neutral","sentiment_score":0.05736172199249267},{"text":"Yeah.","start":586.195,"end":586.435,"sentiment":"neutral","sentiment_score":0.045340437442064285},{"text":"I ended up having kids with me when I went to drop the drop the drop the oldest up at Scuf.","start":586.435,"end":591.93,"sentiment":"neutral","sentiment_score":0.004639735223636741},{"text":"Yeah.","start":592.89,"end":593.21,"sentiment":"neutral","sentiment_score":0.029911158606410027}],"sentiment":"neutral","sentiment_score":0.011740333251655102,"channel":1,"num_words":25,"start":583.635,"end":593.21},{"sentences":[{"text":"So where I was going with that was I'm just thinking and doesn't have to be in this review cycle, but something I","start":593.21,"end":600.41,"sentiment":"neutral","sentiment_score":-0.015946966474470886}],"sentiment":"neutral","sentiment_score":-0.015946966474470886,"channel":1,"num_words":23,"start":593.21,"end":600.41},{"sentences":[{"text":"Yep.","start":600.31,"end":600.47,"sentiment":"neutral","sentiment_score":0.015347622334957125}],"sentiment":"neutral","sentiment_score":0.015347622334957125,"channel":0,"num_words":1,"start":600.31,"end":600.47},{"sentences":[{"text":"probably","start":600.41,"end":600.81,"sentiment":"neutral","sentiment_score":0.008569121360778809}],"sentiment":"neutral","sentiment_score":0.008569121360778809,"channel":1,"num_words":1,"start":600.41,"end":600.81},{"sentences":[{"text":"Yeah.","start":600.47,"end":600.97,"sentiment":"neutral","sentiment_score":-0.01474781334400177}],"sentiment":"neutral","sentiment_score":-0.01474781334400177,"channel":0,"num_words":1,"start":600.47,"end":600.97},{"sentences":[{"text":"need to think about is if they do put in that $3,000,000 piece, even if I looked at no more contributions going in by my calculations, I'm gonna exceed that 3,000,000 mark between now and when I retire.","start":600.81,"end":617.005,"sentiment":"neutral","sentiment_score":-0.09983581931967485},{"text":"Right?","start":617.145,"end":617.465,"sentiment":"neutral","sentiment_score":-0.005911577492952347},{"text":"So","start":617.465,"end":617.965,"sentiment":"neutral","sentiment_score":-0.013311274349689484}],"sentiment":"neutral","sentiment_score":-0.09532459964975715,"channel":1,"num_words":40,"start":600.81,"end":617.965},{"sentences":[{"text":"Yeah.","start":617.9,"end":618.4,"sentiment":"neutral","sentiment_score":0.01898607239127159},{"text":"Yeah.","start":618.54004,"end":619.04004,"sentiment":"neutral","sentiment_score":0.029023414477705956}],"sentiment":"neutral","sentiment_score":0.024004743434488773,"channel":0,"num_words":2,"start":617.9,"end":619.04004},{"sentences":[{"text":"as as and that's that's working up a very modest growth rate","start":618.85,"end":624.31,"sentiment":"neutral","sentiment_score":0.0830690690005819}],"sentiment":"neutral","sentiment_score":0.0830690690005819,"channel":1,"num_words":12,"start":618.85,"end":624.31},{"sentences":[{"text":"Yeah.","start":624.62,"end":625.12,"sentiment":"neutral","sentiment_score":0.03810488805174827}],"sentiment":"neutral","sentiment_score":0.03810488805174827,"channel":0,"num_words":1,"start":624.62,"end":625.12},{"sentences":[{"text":"as well and no further contributions.","start":624.68994,"end":626.94995,"sentiment":"neutral","sentiment_score":-0.007652866343657176},{"text":"So","start":627.32996,"end":627.82996,"sentiment":"neutral","sentiment_score":-0.006166994571685791}],"sentiment":"neutral","sentiment_score":-0.007440598947661263,"channel":1,"num_words":7,"start":624.68994,"end":627.82996},{"sentences":[{"text":"Mhmm.","start":627.66003,"end":628.16003,"sentiment":"neutral","sentiment_score":0.0010594800114631653}],"sentiment":"neutral","sentiment_score":0.0010594800114631653,"channel":0,"num_words":1,"start":627.66003,"end":628.16003},{"sentences":[{"text":"what I was thinking was do is there a strategy we need to put in place to treat that?","start":628.20996,"end":638.22504,"sentiment":"neutral","sentiment_score":0.001729044867189307},{"text":"And maybe it's I start contributing to my wife's because she's got next to nothing.","start":638.22504,"end":645.12,"sentiment":"neutral","sentiment_score":-0.011802583560347557},{"text":"So then as a family unit, we have more, or is it, you know, is it going through those sort of thought processes for my super strategy","start":645.12,"end":654.74,"sentiment":"neutral","sentiment_score":0.046340240303564956}],"sentiment":"neutral","sentiment_score":0.01814753421750225,"channel":1,"num_words":61,"start":628.20996,"end":654.74},{"sentences":[{"text":"Yeah.","start":655.01,"end":655.41003,"sentiment":"neutral","sentiment_score":0.05418660119175911}],"sentiment":"neutral","sentiment_score":0.05418660119175911,"channel":0,"num_words":1,"start":655.01,"end":655.41003},{"sentences":[{"text":"as well?","start":655.04,"end":655.51996,"sentiment":"neutral","sentiment_score":0.03111330885440111}],"sentiment":"neutral","sentiment_score":0.03111330885440111,"channel":1,"num_words":2,"start":655.04,"end":655.51996},{"sentences":[{"text":"Abs","start":655.41003,"end":655.89,"sentiment":"neutral","sentiment_score":-0.00783500261604786}],"sentiment":"neutral","sentiment_score":-0.00783500261604786,"channel":0,"num_words":1,"start":655.41003,"end":655.89},{"sentences":[{"text":"But","start":655.51996,"end":656.01996,"sentiment":"neutral","sentiment_score":-0.02943027764558792}],"sentiment":"neutral","sentiment_score":-0.02943027764558792,"channel":1,"num_words":1,"start":655.51996,"end":656.01996},{"sentences":[{"text":"absolutely.","start":656.21,"end":656.71,"sentiment":"neutral","sentiment_score":-0.03301987424492836}],"sentiment":"neutral","sentiment_score":-0.03301987424492836,"channel":0,"num_words":1,"start":656.21,"end":656.71},{"sentences":[{"text":"I guess the thing is","start":656.765,"end":657.565,"sentiment":"neutral","sentiment_score":-0.04060332328081131}],"sentiment":"neutral","sentiment_score":-0.04060332328081131,"channel":1,"num_words":5,"start":656.765,"end":657.565},{"sentences":[{"text":"Yeah.","start":657.49,"end":657.99,"sentiment":"neutral","sentiment_score":-0.05812855064868927}],"sentiment":"neutral","sentiment_score":-0.05812855064868927,"channel":0,"num_words":1,"start":657.49,"end":657.99},{"sentences":[{"text":"we don't know if have they passed the the","start":657.565,"end":660.365,"sentiment":"neutral","sentiment_score":-0.11165034936534034}],"sentiment":"neutral","sentiment_score":-0.11165034936534034,"channel":1,"num_words":9,"start":657.565,"end":660.365},{"sentences":[{"text":"They","start":660.355,"end":660.595,"sentiment":"neutral","sentiment_score":-0.09488564729690552}],"sentiment":"neutral","sentiment_score":-0.09488564729690552,"channel":0,"num_words":1,"start":660.355,"end":660.595},{"sentences":[{"text":"three","start":660.365,"end":660.60504,"sentiment":"neutral","sentiment_score":-0.09671612083911896}],"sentiment":"neutral","sentiment_score":-0.09671612083911896,"channel":1,"num_words":1,"start":660.365,"end":660.60504},{"sentences":[{"text":"have,","start":660.595,"end":660.915,"sentiment":"neutral","sentiment_score":-0.1223418265581131}],"sentiment":"neutral","sentiment_score":-0.1223418265581131,"channel":0,"num_words":1,"start":660.595,"end":660.915},{"sentences":[{"text":"million","start":660.60504,"end":661.005,"sentiment":"neutral","sentiment_score":-0.1424347162246704}],"sentiment":"neutral","sentiment_score":-0.1424347162246704,"channel":1,"num_words":1,"start":660.60504,"end":661.005},{"sentences":[{"text":"unfortunately.","start":660.915,"end":661.415,"sentiment":"neutral","sentiment_score":-0.14063647389411926}],"sentiment":"neutral","sentiment_score":-0.14063647389411926,"channel":0,"num_words":1,"start":660.915,"end":661.415},{"sentences":[{"text":"one?","start":661.005,"end":661.405,"sentiment":"neutral","sentiment_score":-0.08516067266464233},{"text":"Yeah.","start":661.405,"end":661.72504,"sentiment":"neutral","sentiment_score":-0.07149023562669754}],"sentiment":"neutral","sentiment_score":-0.07832545414566994,"channel":1,"num_words":2,"start":661.005,"end":661.72504},{"sentences":[{"text":"Yeah.","start":661.63495,"end":662.115,"sentiment":"neutral","sentiment_score":-0.08942049741744995}],"sentiment":"neutral","sentiment_score":-0.08942049741744995,"channel":0,"num_words":1,"start":661.63495,"end":662.115},{"sentences":[{"text":"I I couldn't","start":661.72504,"end":662.205,"sentiment":"neutral","sentiment_score":-0.1710129032532374}],"sentiment":"neutral","sentiment_score":-0.1710129032532374,"channel":1,"num_words":3,"start":661.72504,"end":662.205},{"sentences":[{"text":"50","start":662.115,"end":662.51495,"sentiment":"neutral","sentiment_score":-0.1312091052532196}],"sentiment":"neutral","sentiment_score":-0.1312091052532196,"channel":0,"num_words":1,"start":662.115,"end":662.51495},{"sentences":[{"text":"remember","start":662.205,"end":662.525,"sentiment":"neutral","sentiment_score":-0.09662121534347534}],"sentiment":"neutral","sentiment_score":-0.09662121534347534,"channel":1,"num_words":1,"start":662.205,"end":662.525},{"sentences":[{"text":"nine","start":662.51495,"end":662.83496,"sentiment":"neutral","sentiment_score":-0.11042902618646622}],"sentiment":"neutral","sentiment_score":-0.11042902618646622,"channel":0,"num_words":1,"start":662.51495,"end":662.83496},{"sentences":[{"text":"if it was","start":662.525,"end":662.84503,"sentiment":"neutral","sentiment_score":-0.12417908261219661}],"sentiment":"neutral","sentiment_score":-0.12417908261219661,"channel":1,"num_words":3,"start":662.525,"end":662.84503},{"sentences":[{"text":"six","start":662.83496,"end":663.15497,"sentiment":"neutral","sentiment_score":-0.1026199907064438}],"sentiment":"neutral","sentiment_score":-0.1026199907064438,"channel":0,"num_words":1,"start":662.83496,"end":663.15497},{"sentences":[{"text":"actually","start":662.84503,"end":663.16504,"sentiment":"neutral","sentiment_score":-0.14076974987983704}],"sentiment":"neutral","sentiment_score":-0.14076974987983704,"channel":1,"num_words":1,"start":662.84503,"end":663.16504},{"sentences":[{"text":"is","start":663.15497,"end":663.315,"sentiment":"neutral","sentiment_score":-0.11287277191877364}],"sentiment":"neutral","sentiment_score":-0.11287277191877364,"channel":0,"num_words":1,"start":663.15497,"end":663.315},{"sentences":[{"text":"still","start":663.16504,"end":663.405,"sentiment":"neutral","sentiment_score":-0.13199636340141296}],"sentiment":"neutral","sentiment_score":-0.13199636340141296,"channel":1,"num_words":1,"start":663.16504,"end":663.405},{"sentences":[{"text":"in.","start":663.315,"end":663.815,"sentiment":"neutral","sentiment_score":-0.05586153268814087}],"sentiment":"neutral","sentiment_score":-0.05586153268814087,"channel":0,"num_words":1,"start":663.315,"end":663.815},{"sentences":[{"text":"outstanding or not.","start":663.405,"end":664.54504,"sentiment":"neutral","sentiment_score":0.03532912333806356}],"sentiment":"neutral","sentiment_score":0.03532912333806356,"channel":1,"num_words":3,"start":663.405,"end":664.54504},{"sentences":[{"text":"Yep.","start":664.435,"end":664.75494,"sentiment":"neutral","sentiment_score":0.1207358092069626},{"text":"All the taxes are happening.","start":664.75494,"end":666.27496,"sentiment":"neutral","sentiment_score":0.12574873864650726},{"text":"It's the thing.","start":666.27496,"end":667.175,"sentiment":"neutral","sentiment_score":0.08190274735291798}],"sentiment":"neutral","sentiment_score":0.11057641605536143,"channel":0,"num_words":9,"start":664.435,"end":667.175},{"sentences":[{"text":"Yeah.","start":667.325,"end":667.72504,"sentiment":"neutral","sentiment_score":0.061508841812610626},{"text":"Just just does everything","start":667.72504,"end":669.805,"sentiment":"neutral","sentiment_score":0.05202487763017416}],"sentiment":"neutral","sentiment_score":0.05392167046666145,"channel":1,"num_words":5,"start":667.325,"end":669.805},{"sentences":[{"text":"Yeah.","start":669.795,"end":670.295,"sentiment":"neutral","sentiment_score":0.053070928901433945}],"sentiment":"neutral","sentiment_score":0.053070928901433945,"channel":0,"num_words":1,"start":669.795,"end":670.295},{"sentences":[{"text":"in right.","start":669.805,"end":670.465,"sentiment":"neutral","sentiment_score":0.04083012789487839}],"sentiment":"neutral","sentiment_score":0.04083012789487839,"channel":1,"num_words":2,"start":669.805,"end":670.465},{"sentences":[{"text":"No.","start":670.58997,"end":670.82996,"sentiment":"neutral","sentiment_score":-0.029010014608502388},{"text":"Look.","start":670.82996,"end":671.14996,"sentiment":"neutral","sentiment_score":0.0027679577469825745},{"text":"Honestly, it's a really valid question.","start":671.14996,"end":672.99,"sentiment":"neutral","sentiment_score":0.06791399419307709},{"text":"And, essentially, you can't sort of stop contributions going into your account.","start":672.99,"end":676.99,"sentiment":"neutral","sentiment_score":0.01812908410405119},{"text":"Those employer contributions have to go into your super.","start":676.99,"end":679.97,"sentiment":"neutral","sentiment_score":0.04065800354712539}],"sentiment":"neutral","sentiment_score":0.03326596377481674,"channel":0,"num_words":29,"start":670.58997,"end":679.97},{"sentences":[{"text":"That is mandated.","start":680.19,"end":681.25,"sentiment":"neutral","sentiment_score":0.09325289974610011},{"text":"With the projected outcome over the next ten years, we're okay.","start":682.02997,"end":685.145,"sentiment":"neutral","sentiment_score":0.29853188449686224},{"text":"We're sitting at 1.6 currently with the projected outcome, and that is in that's if your super can get 11.11 every year.","start":685.145,"end":692.925,"sentiment":"neutral","sentiment_score":0.30101835389028897},{"text":"Realistically, you could be on track for that even if your super doesn't quite get it because you have a higher balance now, and more money makes more money.","start":693.225,"end":700.23,"sentiment":"neutral","sentiment_score":0.26650833415574043},{"text":"But","start":700.23,"end":700.73,"sentiment":"neutral","sentiment_score":0.0799875408411026}],"sentiment":"neutral","sentiment_score":0.27264761281284416,"channel":0,"num_words":66,"start":680.19,"end":700.73},{"sentences":[{"text":"Yep.","start":700.28,"end":700.78,"sentiment":"neutral","sentiment_score":0.07426925003528595}],"sentiment":"neutral","sentiment_score":0.07426925003528595,"channel":1,"num_words":1,"start":700.28,"end":700.78},{"sentences":[{"text":"what we can definitely look at doing is we can do things like spousal splitting.","start":700.87,"end":705.29,"sentiment":"neutral","sentiment_score":0.15179912994305292}],"sentiment":"neutral","sentiment_score":0.15179912994305292,"channel":0,"num_words":15,"start":700.87,"end":705.29},{"sentences":[{"text":"Yep.","start":705.8,"end":706.3,"sentiment":"neutral","sentiment_score":0.10740119218826294}],"sentiment":"neutral","sentiment_score":0.10740119218826294,"channel":1,"num_words":1,"start":705.8,"end":706.3},{"sentences":[{"text":"Essentially, that means that you're still contributing to your super, but","start":706.07,"end":709.75,"sentiment":"neutral","sentiment_score":0.13898506286469373}],"sentiment":"neutral","sentiment_score":0.13898506286469373,"channel":0,"num_words":11,"start":706.07,"end":709.75},{"sentences":[{"text":"Yeah.","start":709.645,"end":709.805,"sentiment":"neutral","sentiment_score":0.0935872122645378}],"sentiment":"neutral","sentiment_score":0.0935872122645378,"channel":1,"num_words":1,"start":709.645,"end":709.805},{"sentences":[{"text":"at","start":709.75,"end":709.83,"sentiment":"neutral","sentiment_score":0.0939413532614708}],"sentiment":"neutral","sentiment_score":0.0939413532614708,"channel":0,"num_words":1,"start":709.75,"end":709.83},{"sentences":[{"text":"I","start":709.805,"end":709.96497,"sentiment":"neutral","sentiment_score":0.1155923679471016}],"sentiment":"neutral","sentiment_score":0.1155923679471016,"channel":1,"num_words":1,"start":709.805,"end":709.96497},{"sentences":[{"text":"the","start":709.83,"end":709.99,"sentiment":"neutral","sentiment_score":0.12276595830917358}],"sentiment":"neutral","sentiment_score":0.12276595830917358,"channel":0,"num_words":1,"start":709.83,"end":709.99},{"sentences":[{"text":"just","start":709.96497,"end":710.205,"sentiment":"neutral","sentiment_score":0.10671249032020567}],"sentiment":"neutral","sentiment_score":0.10671249032020567,"channel":1,"num_words":1,"start":709.96497,"end":710.205},{"sentences":[{"text":"end of","start":709.99,"end":710.23,"sentiment":"neutral","sentiment_score":0.1419365033507347}],"sentiment":"neutral","sentiment_score":0.1419365033507347,"channel":0,"num_words":2,"start":709.99,"end":710.23},{"sentences":[{"text":"do","start":710.205,"end":710.445,"sentiment":"neutral","sentiment_score":0.09565703570842744}],"sentiment":"neutral","sentiment_score":0.09565703570842744,"channel":1,"num_words":1,"start":710.205,"end":710.445},{"sentences":[{"text":"each","start":710.23,"end":710.55,"sentiment":"neutral","sentiment_score":0.11500595510005952}],"sentiment":"neutral","sentiment_score":0.11500595510005952,"channel":0,"num_words":1,"start":710.23,"end":710.55},{"sentences":[{"text":"a transfer","start":710.445,"end":711.025,"sentiment":"neutral","sentiment_score":0.09216320142149925}],"sentiment":"neutral","sentiment_score":0.09216320142149925,"channel":1,"num_words":2,"start":710.445,"end":711.025},{"sentences":[{"text":"financial","start":710.55,"end":711.05,"sentiment":"neutral","sentiment_score":0.06579167395830154}],"sentiment":"neutral","sentiment_score":0.06579167395830154,"channel":0,"num_words":1,"start":710.55,"end":711.05},{"sentences":[{"text":"across.","start":711.085,"end":711.485,"sentiment":"neutral","sentiment_score":0.058380525559186935}],"sentiment":"neutral","sentiment_score":0.058380525559186935,"channel":1,"num_words":1,"start":711.085,"end":711.485},{"sentences":[{"text":"year,","start":711.19,"end":711.69,"sentiment":"neutral","sentiment_score":0.04684404283761978}],"sentiment":"neutral","sentiment_score":0.04684404283761978,"channel":0,"num_words":1,"start":711.19,"end":711.69},{"sentences":[{"text":"Right?","start":711.485,"end":711.985,"sentiment":"neutral","sentiment_score":0.07094721496105194},{"text":"Yeah.","start":712.125,"end":712.625,"sentiment":"neutral","sentiment_score":0.08539599180221558}],"sentiment":"neutral","sentiment_score":0.07817160338163376,"channel":1,"num_words":2,"start":711.485,"end":712.625},{"sentences":[{"text":"correct, we can transfer","start":712.16504,"end":713.28503,"sentiment":"neutral","sentiment_score":0.1295727863907814}],"sentiment":"neutral","sentiment_score":0.1295727863907814,"channel":0,"num_words":4,"start":712.16504,"end":713.28503},{"sentences":[{"text":"Yeah.","start":713.085,"end":713.585,"sentiment":"neutral","sentiment_score":0.27238747477531433}],"sentiment":"neutral","sentiment_score":0.27238747477531433,"channel":1,"num_words":1,"start":713.085,"end":713.585},{"sentences":[{"text":"up to 85% of that year's contributions into your partner's into your wife's super, and that boosts up her super as well.","start":713.28503,"end":721.865,"sentiment":"positive","sentiment_score":0.5221409174528989},{"text":"We can definitely look at doing that every year, and I'm absolutely happy.","start":721.925,"end":725.365,"sentiment":"positive","sentiment_score":0.7836014811809247},{"text":"Maybe the next annual review, we have a look at that.","start":725.365,"end":727.74,"sentiment":"neutral","sentiment_score":0.2929768806154078},{"text":"I would also wanna have a look at her super if that's something she'd be open to maybe looking at doing it together as a joint piece.","start":727.89996,"end":734.06,"sentiment":"neutral","sentiment_score":0.2919012462651288},{"text":"And it I don't","start":734.06,"end":735.26,"sentiment":"neutral","sentiment_score":-0.014322469010949135}],"sentiment":"positive","sentiment_score":0.4249442714181813,"channel":0,"num_words":77,"start":713.28503,"end":735.26},{"sentences":[{"text":"Yeah.","start":735.03,"end":735.53,"sentiment":"neutral","sentiment_score":-0.056618377566337585}],"sentiment":"neutral","sentiment_score":-0.056618377566337585,"channel":1,"num_words":1,"start":735.03,"end":735.53},{"sentences":[{"text":"have to onboard her to do it, but it is honestly easy if we can look at her super and make sure it is working to its best of its ability as well.","start":735.26,"end":742.065,"sentiment":"neutral","sentiment_score":0.05056712403893471}],"sentiment":"neutral","sentiment_score":0.05056712403893471,"channel":0,"num_words":33,"start":735.26,"end":742.065},{"sentences":[{"text":"Look, it's","start":741.72504,"end":742.54504,"sentiment":"neutral","sentiment_score":-0.055032191798090935}],"sentiment":"neutral","sentiment_score":-0.055032191798090935,"channel":1,"num_words":2,"start":741.72504,"end":742.54504},{"sentences":[{"text":"Otherwise, I'm","start":742.305,"end":742.945,"sentiment":"neutral","sentiment_score":-0.1907411441206932}],"sentiment":"neutral","sentiment_score":-0.1907411441206932,"channel":0,"num_words":2,"start":742.305,"end":742.945},{"sentences":[{"text":"it's","start":742.60504,"end":743.10504,"sentiment":"neutral","sentiment_score":-0.2237422317266464}],"sentiment":"neutral","sentiment_score":-0.2237422317266464,"channel":1,"num_words":1,"start":742.60504,"end":743.10504},{"sentences":[{"text":"just","start":742.945,"end":743.185,"sentiment":"neutral","sentiment_score":-0.2214476317167282}],"sentiment":"neutral","sentiment_score":-0.2214476317167282,"channel":0,"num_words":1,"start":742.945,"end":743.185},{"sentences":[{"text":"definitely","start":743.16504,"end":743.565,"sentiment":"neutral","sentiment_score":-0.2027372419834137}],"sentiment":"neutral","sentiment_score":-0.2027372419834137,"channel":1,"num_words":1,"start":743.16504,"end":743.565},{"sentences":[{"text":"recommending to","start":743.185,"end":743.905,"sentiment":"neutral","sentiment_score":-0.2136465609073639}],"sentiment":"neutral","sentiment_score":-0.2136465609073639,"channel":0,"num_words":2,"start":743.185,"end":743.905},{"sentences":[{"text":"definitely","start":743.565,"end":743.965,"sentiment":"neutral","sentiment_score":-0.22477462887763977}],"sentiment":"neutral","sentiment_score":-0.22477462887763977,"channel":1,"num_words":1,"start":743.565,"end":743.965},{"sentences":[{"text":"put","start":743.905,"end":744.145,"sentiment":"neutral","sentiment_score":-0.18701289594173431}],"sentiment":"neutral","sentiment_score":-0.18701289594173431,"channel":0,"num_words":1,"start":743.905,"end":744.145},{"sentences":[{"text":"wouldn't","start":743.965,"end":744.28503,"sentiment":"neutral","sentiment_score":-0.18634888529777527}],"sentiment":"neutral","sentiment_score":-0.18634888529777527,"channel":1,"num_words":1,"start":743.965,"end":744.28503},{"sentences":[{"text":"money","start":744.145,"end":744.545,"sentiment":"neutral","sentiment_score":-0.2247828245162964}],"sentiment":"neutral","sentiment_score":-0.2247828245162964,"channel":0,"num_words":1,"start":744.145,"end":744.545},{"sentences":[{"text":"be at","start":744.28503,"end":744.60504,"sentiment":"neutral","sentiment_score":-0.21242154389619827}],"sentiment":"neutral","sentiment_score":-0.21242154389619827,"channel":1,"num_words":2,"start":744.28503,"end":744.60504},{"sentences":[{"text":"in.","start":744.545,"end":745.045,"sentiment":"neutral","sentiment_score":-0.16210171580314636}],"sentiment":"neutral","sentiment_score":-0.16210171580314636,"channel":0,"num_words":1,"start":744.545,"end":745.045},{"sentences":[{"text":"the moment because she's just I think she's","start":744.60504,"end":747.085,"sentiment":"neutral","sentiment_score":-0.07039160467684269}],"sentiment":"neutral","sentiment_score":-0.07039160467684269,"channel":1,"num_words":8,"start":744.60504,"end":747.085},{"sentences":[{"text":"Yeah.","start":746.945,"end":747.445,"sentiment":"neutral","sentiment_score":-0.05575895309448242}],"sentiment":"neutral","sentiment_score":-0.05575895309448242,"channel":0,"num_words":1,"start":746.945,"end":747.445},{"sentences":[{"text":"still with her super her account.","start":747.085,"end":749.245,"sentiment":"neutral","sentiment_score":-0.10984949395060539},{"text":"Probably would have went back to Australian super.","start":749.245,"end":750.92505,"sentiment":"neutral","sentiment_score":-0.11841742135584354},{"text":"I'm pretty sure.","start":750.92505,"end":751.72504,"sentiment":"neutral","sentiment_score":-0.04820194964607557},{"text":"Well,","start":751.72504,"end":751.885,"sentiment":"neutral","sentiment_score":-0.006218014284968376}],"sentiment":"neutral","sentiment_score":-0.09762556654297644,"channel":1,"num_words":18,"start":747.085,"end":751.885},{"sentences":[{"text":"Yep.","start":751.745,"end":752.245,"sentiment":"neutral","sentiment_score":-0.0013878054451197386}],"sentiment":"neutral","sentiment_score":-0.0013878054451197386,"channel":0,"num_words":1,"start":751.745,"end":752.245},{"sentences":[{"text":"because she was ex q super.","start":751.885,"end":753.405,"sentiment":"neutral","sentiment_score":-0.011879580405851206},{"text":"Right?","start":753.405,"end":753.80505,"sentiment":"neutral","sentiment_score":0.000851532444357872},{"text":"So","start":753.80505,"end":754.2,"sentiment":"neutral","sentiment_score":-0.008784126490354538}],"sentiment":"neutral","sentiment_score":-0.009901259560137987,"channel":1,"num_words":8,"start":751.885,"end":754.2},{"sentences":[{"text":"Yeah.","start":754.385,"end":754.865,"sentiment":"neutral","sentiment_score":0.002735858783125878},{"text":"Yeah.","start":754.865,"end":755.365,"sentiment":"neutral","sentiment_score":0.0014349659904837608}],"sentiment":"neutral","sentiment_score":0.002085412386804819,"channel":0,"num_words":2,"start":754.385,"end":755.365},{"sentences":[{"text":"but her","start":755.16003,"end":756.06,"sentiment":"neutral","sentiment_score":-0.003641207702457905}],"sentiment":"neutral","sentiment_score":-0.003641207702457905,"channel":1,"num_words":2,"start":755.16003,"end":756.06},{"sentences":[{"text":"Oh, that'll be ART.","start":755.67,"end":756.81,"sentiment":"neutral","sentiment_score":0.008789912331849337},{"text":"That'll be Australian Retirement","start":756.87,"end":757.99,"sentiment":"neutral","sentiment_score":0.03510938212275505}],"sentiment":"neutral","sentiment_score":0.021949647227302194,"channel":0,"num_words":8,"start":755.67,"end":757.99},{"sentences":[{"text":"yeah.","start":757.88,"end":758.2,"sentiment":"neutral","sentiment_score":0.038562607020139694}],"sentiment":"neutral","sentiment_score":0.038562607020139694,"channel":1,"num_words":1,"start":757.88,"end":758.2},{"sentences":[{"text":"Trust","start":757.99,"end":758.39,"sentiment":"neutral","sentiment_score":0.05036300420761109}],"sentiment":"neutral","sentiment_score":0.05036300420761109,"channel":0,"num_words":1,"start":757.99,"end":758.39},{"sentences":[{"text":"Time","start":758.2,"end":758.52,"sentiment":"neutral","sentiment_score":0.059215255081653595}],"sentiment":"neutral","sentiment_score":0.059215255081653595,"channel":1,"num_words":1,"start":758.2,"end":758.52},{"sentences":[{"text":"now.","start":758.39,"end":758.89,"sentiment":"neutral","sentiment_score":0.0431741327047348}],"sentiment":"neutral","sentiment_score":0.0431741327047348,"channel":0,"num_words":1,"start":758.39,"end":758.89},{"sentences":[{"text":"and trial trends.","start":758.52,"end":759.32,"sentiment":"neutral","sentiment_score":0.031422664721806846}],"sentiment":"neutral","sentiment_score":0.031422664721806846,"channel":1,"num_words":3,"start":758.52,"end":759.32},{"sentences":[{"text":"Yeah.","start":759.02997,"end":759.52997,"sentiment":"neutral","sentiment_score":0.008354969322681427}],"sentiment":"neutral","sentiment_score":0.008354969322681427,"channel":0,"num_words":1,"start":759.02997,"end":759.52997},{"sentences":[{"text":"Yeah.","start":759.32,"end":759.56,"sentiment":"neutral","sentiment_score":-0.0014235377311706543},{"text":"That one.","start":759.56,"end":759.88,"sentiment":"neutral","sentiment_score":-0.023544026538729668},{"text":"Sorry.","start":759.88,"end":760.2,"sentiment":"neutral","sentiment_score":-0.04303288459777832},{"text":"Yeah.","start":760.2,"end":760.52,"sentiment":"neutral","sentiment_score":-0.02035500481724739},{"text":"Back to","start":760.52,"end":761.0,"sentiment":"neutral","sentiment_score":0.01252810936421156}],"sentiment":"neutral","sentiment_score":-0.012406180213604654,"channel":1,"num_words":7,"start":759.32,"end":761.0},{"sentences":[{"text":"Yeah.","start":760.79,"end":761.27,"sentiment":"neutral","sentiment_score":0.04698227345943451}],"sentiment":"neutral","sentiment_score":0.04698227345943451,"channel":0,"num_words":1,"start":760.79,"end":761.27},{"sentences":[{"text":"that one.","start":761.0,"end":761.56,"sentiment":"neutral","sentiment_score":0.04505295120179653}],"sentiment":"neutral","sentiment_score":0.04505295120179653,"channel":1,"num_words":2,"start":761.0,"end":761.56},{"sentences":[{"text":"You're right.","start":761.27,"end":762.01,"sentiment":"neutral","sentiment_score":0.21998559683561325}],"sentiment":"neutral","sentiment_score":0.21998559683561325,"channel":0,"num_words":2,"start":761.27,"end":762.01},{"sentences":[{"text":"So","start":761.56,"end":762.06,"sentiment":"neutral","sentiment_score":0.11280500888824464}],"sentiment":"neutral","sentiment_score":0.11280500888824464,"channel":1,"num_words":1,"start":761.56,"end":762.06},{"sentences":[{"text":"Yep.","start":762.31,"end":762.81,"sentiment":"neutral","sentiment_score":0.1122749000787735}],"sentiment":"neutral","sentiment_score":0.1122749000787735,"channel":0,"num_words":1,"start":762.31,"end":762.81},{"sentences":[{"text":"she yeah.","start":762.76,"end":763.64,"sentiment":"neutral","sentiment_score":0.07958605140447617},{"text":"Her super probably needs a bit of work, but, I mean, the the amount that she gets contributions, she's only doing, like, casual work at the moment where","start":763.64,"end":770.555,"sentiment":"neutral","sentiment_score":-0.09429786168038845}],"sentiment":"neutral","sentiment_score":-0.08270560080806415,"channel":1,"num_words":30,"start":762.76,"end":770.555},{"sentences":[{"text":"Yep.","start":770.55,"end":770.865,"sentiment":"neutral","sentiment_score":-0.07205896824598312}],"sentiment":"neutral","sentiment_score":-0.07205896824598312,"channel":0,"num_words":1,"start":770.55,"end":770.865},{"sentences":[{"text":"they are paying sleep to her, but it's, like, few and far between.","start":770.555,"end":774.39496,"sentiment":"neutral","sentiment_score":-0.22982518031046942},{"text":"And that's the other","start":774.39496,"end":775.595,"sentiment":"neutral","sentiment_score":-0.05330330040305853}],"sentiment":"neutral","sentiment_score":-0.18829062033225508,"channel":1,"num_words":17,"start":770.555,"end":775.595},{"sentences":[{"text":"Yeah.","start":775.58496,"end":776.08496,"sentiment":"neutral","sentiment_score":-0.03569053113460541}],"sentiment":"neutral","sentiment_score":-0.03569053113460541,"channel":0,"num_words":1,"start":775.58496,"end":776.08496},{"sentences":[{"text":"thing that we're trying to do.","start":775.595,"end":778.71497,"sentiment":"neutral","sentiment_score":-0.056002541755636535},{"text":"That's the other reason I'm trying to watch the cash flow at the moment until she can be back at work, which hopefully the the youngest is in school again next","start":778.71497,"end":788.56,"sentiment":"neutral","sentiment_score":-0.044113616068517006}],"sentiment":"neutral","sentiment_score":-0.04604154996372558,"channel":1,"num_words":37,"start":775.595,"end":788.56},{"sentences":[{"text":"Yeah.","start":788.24,"end":788.74,"sentiment":"neutral","sentiment_score":0.1140676885843277}],"sentiment":"neutral","sentiment_score":0.1140676885843277,"channel":0,"num_words":1,"start":788.24,"end":788.74},{"sentences":[{"text":"year,","start":788.56,"end":789.06,"sentiment":"neutral","sentiment_score":0.12746891379356384}],"sentiment":"neutral","sentiment_score":0.12746891379356384,"channel":1,"num_words":1,"start":788.56,"end":789.06},{"sentences":[{"text":"Yep.","start":788.8,"end":789.3,"sentiment":"neutral","sentiment_score":0.24569886922836304}],"sentiment":"neutral","sentiment_score":0.24569886922836304,"channel":0,"num_words":1,"start":788.8,"end":789.3},{"sentences":[{"text":"who will even start school next year, which would give her more time to, hopefully get a get more of a salary.","start":789.19995,"end":796.835,"sentiment":"neutral","sentiment_score":0.27558140185746277},{"text":"But","start":796.895,"end":797.395,"sentiment":"neutral","sentiment_score":0.12926416099071503}],"sentiment":"neutral","sentiment_score":0.2692197826893433,"channel":1,"num_words":23,"start":789.19995,"end":797.395},{"sentences":[{"text":"Yes.","start":797.76,"end":798.165,"sentiment":"neutral","sentiment_score":0.162860706448555}],"sentiment":"neutral","sentiment_score":0.162860706448555,"channel":0,"num_words":1,"start":797.76,"end":798.165},{"sentences":[{"text":"a very, very careful plotting game for us at the moment because she can get carrier's allowance as long as we pick just underneath that $2.50","start":798.255,"end":807.075,"sentiment":"neutral","sentiment_score":0.2037187568270243}],"sentiment":"neutral","sentiment_score":0.2037187568270243,"channel":1,"num_words":26,"start":798.255,"end":807.075},{"sentences":[{"text":"Yep.","start":807.76495,"end":808.26495,"sentiment":"neutral","sentiment_score":0.06207376718521118}],"sentiment":"neutral","sentiment_score":0.06207376718521118,"channel":0,"num_words":1,"start":807.76495,"end":808.26495},{"sentences":[{"text":"k house hold piece.","start":808.015,"end":810.1,"sentiment":"neutral","sentiment_score":0.02702566422522068},{"text":"And","start":810.1,"end":810.6,"sentiment":"neutral","sentiment_score":-0.01853685826063156}],"sentiment":"neutral","sentiment_score":0.017913159728050233,"channel":1,"num_words":5,"start":808.015,"end":810.6},{"sentences":[{"text":"Yep.","start":810.565,"end":811.065,"sentiment":"neutral","sentiment_score":-0.0546673946082592}],"sentiment":"neutral","sentiment_score":-0.0546673946082592,"channel":0,"num_words":1,"start":810.565,"end":811.065},{"sentences":[{"text":"when I when I did estimate for my tax, it looks like I got an extra payment that has just pushed me over, which means I'm probably gonna have a debt to pay back to tax office, I'd imagine.","start":811.62,"end":822.34503,"sentiment":"negative","sentiment_score":-0.4174401626372949}],"sentiment":"negative","sentiment_score":-0.4174401626372949,"channel":1,"num_words":39,"start":811.62,"end":822.34503},{"sentences":[{"text":"No.","start":823.13,"end":823.63,"sentiment":"neutral","sentiment_score":-0.2886807918548584}],"sentiment":"neutral","sentiment_score":-0.2886807918548584,"channel":0,"num_words":1,"start":823.13,"end":823.63},{"sentences":[{"text":"So we're working through what that's possibly gonna look like, and I'm looking for other other claimable right now to see","start":824.165,"end":831.045,"sentiment":"neutral","sentiment_score":-0.24187302163669042}],"sentiment":"neutral","sentiment_score":-0.24187302163669042,"channel":1,"num_words":21,"start":824.165,"end":831.045},{"sentences":[{"text":"Yeah.","start":830.945,"end":831.445,"sentiment":"neutral","sentiment_score":-0.04928027093410492}],"sentiment":"neutral","sentiment_score":-0.04928027093410492,"channel":0,"num_words":1,"start":830.945,"end":831.445},{"sentences":[{"text":"if I can lower","start":831.045,"end":832.165,"sentiment":"neutral","sentiment_score":-0.060965283773839474}],"sentiment":"neutral","sentiment_score":-0.060965283773839474,"channel":1,"num_words":4,"start":831.045,"end":832.165},{"sentences":[{"text":"With","start":832.145,"end":832.645,"sentiment":"neutral","sentiment_score":-0.05121353268623352}],"sentiment":"neutral","sentiment_score":-0.05121353268623352,"channel":0,"num_words":1,"start":832.145,"end":832.645},{"sentences":[{"text":"that back down.","start":832.165,"end":833.145,"sentiment":"neutral","sentiment_score":-0.092355877161026}],"sentiment":"neutral","sentiment_score":-0.092355877161026,"channel":1,"num_words":3,"start":832.165,"end":833.145},{"sentences":[{"text":"with the the debt, is that just like a an ACO tax debt, or are you now liable for, like, DIV two nine three?","start":833.34503,"end":839.265,"sentiment":"neutral","sentiment_score":-0.10945728483299415},{"text":"What does the account say about it?","start":839.265,"end":841.02,"sentiment":"neutral","sentiment_score":-0.07503246409552437}],"sentiment":"neutral","sentiment_score":-0.10168393821485582,"channel":0,"num_words":31,"start":833.34503,"end":841.02},{"sentences":[{"text":"Haven't spoken to an accountant about it yet.","start":842.14,"end":844.64,"sentiment":"neutral","sentiment_score":-0.17327366210520267}],"sentiment":"neutral","sentiment_score":-0.17327366210520267,"channel":1,"num_words":8,"start":842.14,"end":844.64},{"sentences":[{"text":"Alright.","start":844.86005,"end":845.36005,"sentiment":"neutral","sentiment_score":-0.02271280810236931}],"sentiment":"neutral","sentiment_score":-0.02271280810236931,"channel":0,"num_words":1,"start":844.86005,"end":845.36005},{"sentences":[{"text":"I'm I'm just looking","start":844.94,"end":845.82,"sentiment":"neutral","sentiment_score":-0.012483680387958884}],"sentiment":"neutral","sentiment_score":-0.012483680387958884,"channel":1,"num_words":4,"start":844.94,"end":845.82},{"sentences":[{"text":"Right.","start":845.66003,"end":846.16003,"sentiment":"neutral","sentiment_score":-0.01324385404586792}],"sentiment":"neutral","sentiment_score":-0.01324385404586792,"channel":0,"num_words":1,"start":845.66003,"end":846.16003},{"sentences":[{"text":"at what the numbers look like and","start":845.82,"end":847.515,"sentiment":"neutral","sentiment_score":-0.03837712694491659}],"sentiment":"neutral","sentiment_score":-0.03837712694491659,"channel":1,"num_words":7,"start":845.82,"end":847.515},{"sentences":[{"text":"Yep.","start":847.82,"end":848.32,"sentiment":"neutral","sentiment_score":-0.06829142570495605}],"sentiment":"neutral","sentiment_score":-0.06829142570495605,"channel":0,"num_words":1,"start":847.82,"end":848.32},{"sentences":[{"text":"just on my own self estimate.","start":848.075,"end":850.315,"sentiment":"neutral","sentiment_score":-0.08313884710272153},{"text":"But because,","start":850.315,"end":851.29504,"sentiment":"neutral","sentiment_score":-0.12857235968112946}],"sentiment":"neutral","sentiment_score":-0.09449722524732351,"channel":1,"num_words":8,"start":848.075,"end":851.29504},{"sentences":[{"text":"Yep.","start":851.02,"end":851.52,"sentiment":"neutral","sentiment_score":-0.13005337119102478}],"sentiment":"neutral","sentiment_score":-0.13005337119102478,"channel":0,"num_words":1,"start":851.02,"end":851.52},{"sentences":[{"text":"technically, I didn't have anything fancy in my piece, and I've only gone to $2.30.","start":851.675,"end":858.155,"sentiment":"neutral","sentiment_score":-0.26132693886756897},{"text":"But because my bonus from my last company that I left got paid during the same financial year, I think it's pushed me over.","start":858.155,"end":864.55,"sentiment":"negative","sentiment_score":-0.4218827448785305}],"sentiment":"negative","sentiment_score":-0.3601305117973915,"channel":1,"num_words":39,"start":851.675,"end":864.55},{"sentences":[{"text":"Okay.","start":865.74,"end":866.24,"sentiment":"neutral","sentiment_score":-0.04835006967186928},{"text":"What's the total income?","start":866.3,"end":867.82,"sentiment":"neutral","sentiment_score":-0.05954940430819988},{"text":"How much does it look like it's gonna be?","start":867.82,"end":869.84,"sentiment":"neutral","sentiment_score":-0.03990569959084193}],"sentiment":"neutral","sentiment_score":-0.046121355944446156,"channel":0,"num_words":14,"start":865.74,"end":869.84},{"sentences":[{"text":"It's sitting where was I sitting?","start":870.69,"end":873.81,"sentiment":"neutral","sentiment_score":-0.11773245284954707},{"text":"I me by myself, I think I sat at the $2.52 mark, I think, for the for the gross.","start":873.81,"end":882.02496,"sentiment":"neutral","sentiment_score":-0.04202652945079737},{"text":"So","start":882.02496,"end":882.52496,"sentiment":"neutral","sentiment_score":0.029310688376426697}],"sentiment":"neutral","sentiment_score":-0.057342462353408334,"channel":1,"num_words":26,"start":870.69,"end":882.52496},{"sentences":[{"text":"Okay.","start":882.365,"end":882.685,"sentiment":"neutral","sentiment_score":0.04006120190024376},{"text":"Yeah.","start":882.685,"end":883.005,"sentiment":"neutral","sentiment_score":0.03911765292286873},{"text":"Because","start":883.005,"end":883.325,"sentiment":"neutral","sentiment_score":0.024291088804602623}],"sentiment":"neutral","sentiment_score":0.03448998120923837,"channel":0,"num_words":3,"start":882.365,"end":883.325},{"sentences":[{"text":"but","start":883.225,"end":883.38495,"sentiment":"neutral","sentiment_score":0.02486478164792061}],"sentiment":"neutral","sentiment_score":0.02486478164792061,"channel":1,"num_words":1,"start":883.225,"end":883.38495},{"sentences":[{"text":"if","start":883.325,"end":883.485,"sentiment":"neutral","sentiment_score":0.027286335825920105}],"sentiment":"neutral","sentiment_score":0.027286335825920105,"channel":0,"num_words":1,"start":883.325,"end":883.485},{"sentences":[{"text":"then","start":883.38495,"end":883.625,"sentiment":"neutral","sentiment_score":0.025521276518702507}],"sentiment":"neutral","sentiment_score":0.025521276518702507,"channel":1,"num_words":1,"start":883.38495,"end":883.625},{"sentences":[{"text":"it's","start":883.485,"end":883.725,"sentiment":"neutral","sentiment_score":0.014990555122494698}],"sentiment":"neutral","sentiment_score":0.014990555122494698,"channel":0,"num_words":1,"start":883.485,"end":883.725},{"sentences":[{"text":"I","start":883.625,"end":883.865,"sentiment":"neutral","sentiment_score":0.009270918555557728}],"sentiment":"neutral","sentiment_score":0.009270918555557728,"channel":1,"num_words":1,"start":883.625,"end":883.865},{"sentences":[{"text":"if it's triggering","start":883.725,"end":885.105,"sentiment":"neutral","sentiment_score":0.00603098872428139}],"sentiment":"neutral","sentiment_score":0.00603098872428139,"channel":0,"num_words":3,"start":883.725,"end":885.105},{"sentences":[{"text":"yeah.","start":884.82495,"end":885.32495,"sentiment":"neutral","sentiment_score":0.008029960095882416}],"sentiment":"neutral","sentiment_score":0.008029960095882416,"channel":1,"num_words":1,"start":884.82495,"end":885.32495},{"sentences":[{"text":"dev two two nine two two nine three tax, which is the tax that you pay, it's the extra 15% on super contributions and the additional tax that you pay for earning over 250,000.","start":885.165,"end":896.67,"sentiment":"neutral","sentiment_score":0.014383864287725267},{"text":"Speak to an accountant because it is if it's triggering div two nine three tax, you can elect to have that tax paid out of your super.","start":897.52997,"end":904.665,"sentiment":"neutral","sentiment_score":0.0288208343985456}],"sentiment":"neutral","sentiment_score":0.02077399859907197,"channel":0,"num_words":61,"start":885.165,"end":904.665},{"sentences":[{"text":"Okay.","start":905.735,"end":906.235,"sentiment":"neutral","sentiment_score":0.06294584274291992},{"text":"Alright.","start":906.615,"end":907.115,"sentiment":"neutral","sentiment_score":0.10436755418777466}],"sentiment":"neutral","sentiment_score":0.08365669846534729,"channel":1,"num_words":2,"start":905.735,"end":907.115},{"sentences":[{"text":"Yeah.","start":907.065,"end":907.565,"sentiment":"neutral","sentiment_score":0.13070538640022278},{"text":"So that might alleviate a little bit of pressure, but make sure you go and speak to your accountant first, get them to run the numbers, and confirm if it's just, you know, you haven't paid enough tax, and there's just a normal ATO tax bill.","start":907.625,"end":919.725,"sentiment":"neutral","sentiment_score":0.11333699423171904},{"text":"Like, self employed people tend to get a tax bill instead of paying tax on a regular basis.","start":920.36,"end":924.62,"sentiment":"neutral","sentiment_score":0.028562139409283798},{"text":"But if it is related to DIV two nine three and it's because you've earned over 250,000 for the year, bring that up with the accountant because, essentially, you can elect for DIV two nine three.","start":925.0,"end":935.88495,"sentiment":"neutral","sentiment_score":0.09249842932654752},{"text":"You can elect to have it paid out of your super fund.","start":935.88495,"end":938.305,"sentiment":"neutral","sentiment_score":0.1295616738498211}],"sentiment":"neutral","sentiment_score":0.09507087763168115,"channel":0,"num_words":113,"start":907.065,"end":938.305},{"sentences":[{"text":"And as much as it's not always fun to take extra money out of super, it might just alleviate that little bit of pressure for you if you're able to do it that way and if it is DIV293.","start":938.44495,"end":947.00494,"sentiment":"neutral","sentiment_score":0.06982647350583321},{"text":"So","start":947.00494,"end":947.4,"sentiment":"neutral","sentiment_score":0.04219968989491463}],"sentiment":"neutral","sentiment_score":0.06913580391556025,"channel":0,"num_words":40,"start":938.44495,"end":947.4},{"sentences":[{"text":"Yeah.","start":947.29004,"end":947.53,"sentiment":"neutral","sentiment_score":0.11853987723588943},{"text":"Okay.","start":947.53,"end":948.03,"sentiment":"neutral","sentiment_score":0.19648873805999756}],"sentiment":"neutral","sentiment_score":0.1575143076479435,"channel":1,"num_words":2,"start":947.29004,"end":948.03},{"sentences":[{"text":"that might be one thing to chat to an account in about to give you, hopefully, some good news.","start":947.56,"end":951.98004,"sentiment":"neutral","sentiment_score":0.28618884243463216}],"sentiment":"neutral","sentiment_score":0.28618884243463216,"channel":0,"num_words":19,"start":947.56,"end":951.98004},{"sentences":[{"text":"Yeah.","start":952.225,"end":952.625,"sentiment":"neutral","sentiment_score":0.11299870908260344},{"text":"No.","start":952.625,"end":952.865,"sentiment":"neutral","sentiment_score":0.08436450362205505},{"text":"That's it.","start":952.865,"end":953.345,"sentiment":"neutral","sentiment_score":0.11024259030818939},{"text":"I'm on the bright side.","start":953.345,"end":954.14496,"sentiment":"positive","sentiment_score":0.3998451352119446},{"text":"At least I've got a healthy super balance for someone my age.","start":954.14496,"end":957.105,"sentiment":"positive","sentiment_score":0.37353216235836345}],"sentiment":"neutral","sentiment_score":0.32854571512767244,"channel":1,"num_words":21,"start":952.225,"end":957.105},{"sentences":[{"text":"So","start":957.105,"end":957.605,"sentiment":"neutral","sentiment_score":0.19797857105731964}],"sentiment":"neutral","sentiment_score":0.19797857105731964,"channel":1,"num_words":1,"start":957.105,"end":957.605},{"sentences":[{"text":"Yes.","start":957.4,"end":957.9,"sentiment":"neutral","sentiment_score":0.24372273683547976}],"sentiment":"neutral","sentiment_score":0.24372273683547976,"channel":0,"num_words":1,"start":957.4,"end":957.9},{"sentences":[{"text":"that's","start":958.06494,"end":958.305,"sentiment":"neutral","sentiment_score":0.24753449857234955}],"sentiment":"neutral","sentiment_score":0.24753449857234955,"channel":1,"num_words":1,"start":958.06494,"end":958.305},{"sentences":[{"text":"Yeah.","start":958.12,"end":958.44,"sentiment":"neutral","sentiment_score":0.2429903745651245}],"sentiment":"neutral","sentiment_score":0.2429903745651245,"channel":0,"num_words":1,"start":958.12,"end":958.44},{"sentences":[{"text":"the","start":958.305,"end":958.46497,"sentiment":"neutral","sentiment_score":0.3039763569831848}],"sentiment":"neutral","sentiment_score":0.3039763569831848,"channel":1,"num_words":1,"start":958.305,"end":958.46497},{"sentences":[{"text":"Definitely.","start":958.44,"end":958.94,"sentiment":"neutral","sentiment_score":0.2964716851711273}],"sentiment":"neutral","sentiment_score":0.2964716851711273,"channel":0,"num_words":1,"start":958.44,"end":958.94},{"sentences":[{"text":"one one bright side.","start":958.46497,"end":959.90497,"sentiment":"neutral","sentiment_score":0.27163081243634224},{"text":"Right?","start":959.90497,"end":960.40497,"sentiment":"neutral","sentiment_score":0.14016908407211304},{"text":"Yeah.","start":960.625,"end":960.94495,"sentiment":"neutral","sentiment_score":0.05372243374586105},{"text":"No.","start":960.94495,"end":961.26495,"sentiment":"neutral","sentiment_score":-0.05781134217977524}],"sentiment":"neutral","sentiment_score":0.17465763219765254,"channel":1,"num_words":7,"start":958.46497,"end":961.26495},{"sentences":[{"text":"Absolutely.","start":960.995,"end":961.495,"sentiment":"neutral","sentiment_score":-0.010530631989240646}],"sentiment":"neutral","sentiment_score":-0.010530631989240646,"channel":0,"num_words":1,"start":960.995,"end":961.495},{"sentences":[{"text":"The the other part I'm worried about is it's more it's taking it would have taken us over the household income, which means they'll come after the the carers amount","start":961.26495,"end":971.32,"sentiment":"neutral","sentiment_score":-0.21221801042556762}],"sentiment":"neutral","sentiment_score":-0.21221801042556762,"channel":1,"num_words":30,"start":961.26495,"end":971.32},{"sentences":[{"text":"Yes.","start":971.315,"end":971.815,"sentiment":"neutral","sentiment_score":-0.07166823744773865}],"sentiment":"neutral","sentiment_score":-0.07166823744773865,"channel":0,"num_words":1,"start":971.315,"end":971.815},{"sentences":[{"text":"that they'd pay to us.","start":971.32,"end":972.27997,"sentiment":"neutral","sentiment_score":-0.12784200310707092},{"text":"So that's","start":972.27997,"end":973.56,"sentiment":"neutral","sentiment_score":-0.06825801730155945}],"sentiment":"neutral","sentiment_score":-0.11081800716263908,"channel":1,"num_words":7,"start":971.32,"end":973.56},{"sentences":[{"text":"Yeah.","start":973.475,"end":973.975,"sentiment":"neutral","sentiment_score":-0.05065932497382164}],"sentiment":"neutral","sentiment_score":-0.05065932497382164,"channel":0,"num_words":1,"start":973.475,"end":973.975},{"sentences":[{"text":"there's there's ways and means to to work that out.","start":973.63995,"end":976.04,"sentiment":"neutral","sentiment_score":-0.09552744291722774}],"sentiment":"neutral","sentiment_score":-0.09552744291722774,"channel":1,"num_words":10,"start":973.63995,"end":976.04},{"sentences":[{"text":"Yeah.","start":975.89996,"end":976.39996,"sentiment":"neutral","sentiment_score":-0.024957720190286636}],"sentiment":"neutral","sentiment_score":-0.024957720190286636,"channel":0,"num_words":1,"start":975.89996,"end":976.39996},{"sentences":[{"text":"So it's not cash flow","start":976.04,"end":977.66,"sentiment":"neutral","sentiment_score":-0.11490307077765465}],"sentiment":"neutral","sentiment_score":-0.11490307077765465,"channel":1,"num_words":5,"start":976.04,"end":977.66},{"sentences":[{"text":"Yeah.","start":978.22,"end":978.72,"sentiment":"neutral","sentiment_score":-0.2671315371990204}],"sentiment":"neutral","sentiment_score":-0.2671315371990204,"channel":0,"num_words":1,"start":978.22,"end":978.72},{"sentences":[{"text":"prohibitive, but just means dealing with Centrelink, which is never fun.","start":978.645,"end":982.505,"sentiment":"negative","sentiment_score":-0.3401971025900407}],"sentiment":"negative","sentiment_score":-0.3401971025900407,"channel":1,"num_words":11,"start":978.645,"end":982.505},{"sentences":[{"text":"Yeah.","start":982.77997,"end":982.93994,"sentiment":"neutral","sentiment_score":-0.04772919416427612},{"text":"No.","start":982.93994,"end":983.43994,"sentiment":"negative","sentiment_score":-0.3782693147659302},{"text":"No.","start":983.74,"end":984.22,"sentiment":"negative","sentiment_score":-0.4033634066581726},{"text":"No.","start":984.22,"end":984.72,"sentiment":"negative","sentiment_score":-0.3940412402153015}],"sentiment":"neutral","sentiment_score":-0.3058507889509201,"channel":0,"num_words":4,"start":982.77997,"end":984.72},{"sentences":[{"text":"Bye.","start":984.645,"end":985.145,"sentiment":"neutral","sentiment_score":-0.2174461930990219}],"sentiment":"neutral","sentiment_score":-0.2174461930990219,"channel":1,"num_words":1,"start":984.645,"end":985.145},{"sentences":[{"text":"No.","start":985.33997,"end":985.83997,"sentiment":"neutral","sentiment_score":-0.2025945782661438},{"text":"I understand that.","start":986.22,"end":987.18,"sentiment":"neutral","sentiment_score":-0.1558628628651301},{"text":"We do that a a lot of that, unfortunately.","start":987.18,"end":988.95996,"sentiment":"neutral","sentiment_score":-0.22610577940940857},{"text":"No.","start":989.435,"end":989.595,"sentiment":"neutral","sentiment_score":-0.12090185284614564},{"text":"But, look, I completely understand.","start":989.595,"end":991.035,"sentiment":"neutral","sentiment_score":0.11366100162267685}],"sentiment":"neutral","sentiment_score":-0.11882800138310383,"channel":0,"num_words":19,"start":985.33997,"end":991.035},{"sentences":[{"text":"And what what I would probably say first is we I I'll get those quotes organized for you.","start":991.035,"end":995.195,"sentiment":"neutral","sentiment_score":0.24098561041884953},{"text":"I'll organize my team to request them tomorrow.","start":995.195,"end":997.45496,"sentiment":"positive","sentiment_score":0.3529812730848789},{"text":"I'll get my admin team member, Caden, to email those through to you when he receives them next week.","start":998.07495,"end":1003.77496,"sentiment":"neutral","sentiment_score":0.2413087769558555}],"sentiment":"neutral","sentiment_score":0.2610323985417684,"channel":0,"num_words":45,"start":991.035,"end":1003.77496},{"sentences":[{"text":"Mhmm.","start":1004.22,"end":1004.415,"sentiment":"neutral","sentiment_score":0.017339255660772324}],"sentiment":"neutral","sentiment_score":0.017339255660772324,"channel":1,"num_words":1,"start":1004.22,"end":1004.415},{"sentences":[{"text":"And then I'm technically on holidays for two weeks.","start":1004.33997,"end":1006.42,"sentiment":"neutral","sentiment_score":-0.07218284449643558},{"text":"So I'm back on the twenty eighth.","start":1006.42,"end":1008.04,"sentiment":"neutral","sentiment_score":-0.005578920910401004},{"text":"What","start":1008.18,"end":1008.33997,"sentiment":"neutral","sentiment_score":0.11213594675064088}],"sentiment":"neutral","sentiment_score":-0.033915417652358025,"channel":0,"num_words":17,"start":1004.33997,"end":1008.33997},{"sentences":[{"text":"Okay.","start":1008.255,"end":1008.755,"sentiment":"neutral","sentiment_score":0.192583829164505}],"sentiment":"neutral","sentiment_score":0.192583829164505,"channel":1,"num_words":1,"start":1008.255,"end":1008.755},{"sentences":[{"text":"we can do is on the last page of that advice document, you do actually have a multiliner or a text box there.","start":1008.33997,"end":1014.83997,"sentiment":"neutral","sentiment_score":0.17283127813235574},{"text":"So if you just hold off for the moment on signing and sending it back, wait for that quote to come through, have a look at the quote, and then maybe let me know if you just wanna go ahead with the steady like, the income protection with the two year benefit period.","start":1015.06,"end":1028.385,"sentiment":"neutral","sentiment_score":0.18152806893834528},{"text":"In that box on the very last page, you just make a little note to say that, you know, alteration to advice is you wish to go ahead with income protection policy, thirty days waiting, two year benefit.","start":1028.765,"end":1039.6,"sentiment":"neutral","sentiment_score":0.07863367603797662},{"text":"As long as we have that on the last page, it allows us to alter the advice.","start":1039.82,"end":1044.48,"sentiment":"neutral","sentiment_score":0.1573957489693866},{"text":"It's just it's just an alteration that we can make sure we adhere to.","start":1044.54,"end":1048.9149,"sentiment":"neutral","sentiment_score":0.165785585130964}],"sentiment":"neutral","sentiment_score":0.14883388044505283,"channel":0,"num_words":145,"start":1008.33997,"end":1048.9149},{"sentences":[{"text":"And then when we go through the insurance side of things, we'll know that you're only gonna go with the quote that is thirty days waiting and two year benefit period, and then we'll just you know, it it kind of just an adjustment to the advice to make it easier on yourself.","start":1048.975,"end":1062.19,"sentiment":"neutral","sentiment_score":0.11738388029471883},{"text":"But it how we just understand that that's an alteration, and we'll just go ahead with that instead of what was recommended for you, if that makes sense.","start":1062.57,"end":1069.23,"sentiment":"neutral","sentiment_score":0.03934001616601433}],"sentiment":"neutral","sentiment_score":0.09040575442306789,"channel":0,"num_words":81,"start":1048.975,"end":1069.23},{"sentences":[{"text":"Yep.","start":1069.735,"end":1070.235,"sentiment":"neutral","sentiment_score":0.06360407173633575},{"text":"Yeah.","start":1070.615,"end":1070.9349,"sentiment":"neutral","sentiment_score":0.05711565911769867},{"text":"Okay.","start":1070.9349,"end":1071.2549,"sentiment":"neutral","sentiment_score":0.019060388207435608},{"text":"No.","start":1071.2549,"end":1071.4149,"sentiment":"neutral","sentiment_score":-0.1277871131896973},{"text":"That makes sense.","start":1071.4149,"end":1072.1349,"sentiment":"neutral","sentiment_score":-0.03494644661744436}],"sentiment":"neutral","sentiment_score":-0.013263761997222904,"channel":1,"num_words":7,"start":1069.735,"end":1072.1349},{"sentences":[{"text":"Yeah.","start":1072.01,"end":1072.51,"sentiment":"neutral","sentiment_score":-0.0768212303519249}],"sentiment":"neutral","sentiment_score":-0.0768212303519249,"channel":0,"num_words":1,"start":1072.01,"end":1072.51},{"sentences":[{"text":"And","start":1072.1349,"end":1072.6349,"sentiment":"neutral","sentiment_score":-0.04426535964012146}],"sentiment":"neutral","sentiment_score":-0.04426535964012146,"channel":1,"num_words":1,"start":1072.1349,"end":1072.6349},{"sentences":[{"text":"Yeah.","start":1072.8049,"end":1073.3049,"sentiment":"neutral","sentiment_score":-0.04552220553159714}],"sentiment":"neutral","sentiment_score":-0.04552220553159714,"channel":0,"num_words":1,"start":1072.8049,"end":1073.3049},{"sentences":[{"text":"with the additional medicals and everything, so","start":1073.1,"end":1075.84,"sentiment":"neutral","sentiment_score":-0.09082403246845518}],"sentiment":"neutral","sentiment_score":-0.09082403246845518,"channel":1,"num_words":7,"start":1073.1,"end":1075.84},{"sentences":[{"text":"Yes.","start":1075.765,"end":1076.265,"sentiment":"neutral","sentiment_score":-0.07736633718013763}],"sentiment":"neutral","sentiment_score":-0.07736633718013763,"channel":0,"num_words":1,"start":1075.765,"end":1076.265},{"sentences":[{"text":"if anything was to come out of any of that, could that mean","start":1076.94,"end":1079.98,"sentiment":"neutral","sentiment_score":-0.24569228979257438}],"sentiment":"neutral","sentiment_score":-0.24569228979257438,"channel":1,"num_words":13,"start":1076.94,"end":1079.98},{"sentences":[{"text":"Mhmm.","start":1079.765,"end":1080.265,"sentiment":"neutral","sentiment_score":-0.20465251803398132}],"sentiment":"neutral","sentiment_score":-0.20465251803398132,"channel":0,"num_words":1,"start":1079.765,"end":1080.265},{"sentences":[{"text":"that would just mean exclusions or what's","start":1080.14,"end":1083.04,"sentiment":"neutral","sentiment_score":-0.28044329796518597}],"sentiment":"neutral","sentiment_score":-0.28044329796518597,"channel":1,"num_words":7,"start":1080.14,"end":1083.04},{"sentences":[{"text":"It","start":1083.0449,"end":1083.365,"sentiment":"neutral","sentiment_score":-0.20028118789196017}],"sentiment":"neutral","sentiment_score":-0.20028118789196017,"channel":0,"num_words":1,"start":1083.0449,"end":1083.365},{"sentences":[{"text":"the","start":1083.1799,"end":1083.5,"sentiment":"neutral","sentiment_score":-0.13622909784317017}],"sentiment":"neutral","sentiment_score":-0.13622909784317017,"channel":1,"num_words":1,"start":1083.1799,"end":1083.5},{"sentences":[{"text":"could","start":1083.365,"end":1083.6849,"sentiment":"neutral","sentiment_score":-0.15254803001880646}],"sentiment":"neutral","sentiment_score":-0.15254803001880646,"channel":0,"num_words":1,"start":1083.365,"end":1083.6849},{"sentences":[{"text":"potential","start":1083.5,"end":1083.98,"sentiment":"neutral","sentiment_score":-0.2241181433200836}],"sentiment":"neutral","sentiment_score":-0.2241181433200836,"channel":1,"num_words":1,"start":1083.5,"end":1083.98},{"sentences":[{"text":"be.","start":1083.6849,"end":1084.1849,"sentiment":"neutral","sentiment_score":-0.13065600395202637}],"sentiment":"neutral","sentiment_score":-0.13065600395202637,"channel":0,"num_words":1,"start":1083.6849,"end":1084.1849},{"sentences":[{"text":"premium changes or","start":1083.98,"end":1085.76,"sentiment":"neutral","sentiment_score":-0.12798529863357544}],"sentiment":"neutral","sentiment_score":-0.12798529863357544,"channel":1,"num_words":3,"start":1083.98,"end":1085.76},{"sentences":[{"text":"Yeah.","start":1086.005,"end":1086.485,"sentiment":"neutral","sentiment_score":-0.1259429007768631},{"text":"It really depends","start":1086.485,"end":1087.285,"sentiment":"neutral","sentiment_score":-0.2520145575205485}],"sentiment":"neutral","sentiment_score":-0.22049664333462715,"channel":0,"num_words":4,"start":1086.005,"end":1087.285},{"sentences":[{"text":"not not","start":1087.025,"end":1087.505,"sentiment":"neutral","sentiment_score":-0.2702005058526993}],"sentiment":"neutral","sentiment_score":-0.2702005058526993,"channel":1,"num_words":2,"start":1087.025,"end":1087.505},{"sentences":[{"text":"on what","start":1087.285,"end":1087.605,"sentiment":"neutral","sentiment_score":-0.2802204266190529}],"sentiment":"neutral","sentiment_score":-0.2802204266190529,"channel":0,"num_words":2,"start":1087.285,"end":1087.605},{"sentences":[{"text":"not","start":1087.505,"end":1087.6649,"sentiment":"negative","sentiment_score":-0.33426371216773987}],"sentiment":"negative","sentiment_score":-0.33426371216773987,"channel":1,"num_words":1,"start":1087.505,"end":1087.6649},{"sentences":[{"text":"it","start":1087.605,"end":1087.765,"sentiment":"neutral","sentiment_score":-0.2814843952655792}],"sentiment":"neutral","sentiment_score":-0.2814843952655792,"channel":0,"num_words":1,"start":1087.605,"end":1087.765},{"sentences":[{"text":"that","start":1087.6649,"end":1087.9049,"sentiment":"neutral","sentiment_score":-0.2956821322441101}],"sentiment":"neutral","sentiment_score":-0.2956821322441101,"channel":1,"num_words":1,"start":1087.6649,"end":1087.9049},{"sentences":[{"text":"is.","start":1087.765,"end":1088.265,"sentiment":"neutral","sentiment_score":-0.27381688356399536}],"sentiment":"neutral","sentiment_score":-0.27381688356399536,"channel":0,"num_words":1,"start":1087.765,"end":1088.265},{"sentences":[{"text":"I'm not that I'm","start":1087.9049,"end":1088.705,"sentiment":"neutral","sentiment_score":-0.25277717038989067}],"sentiment":"neutral","sentiment_score":-0.25277717038989067,"channel":1,"num_words":4,"start":1087.9049,"end":1088.705},{"sentences":[{"text":"No.","start":1088.52,"end":1089.02,"sentiment":"neutral","sentiment_score":-0.12917666137218475}],"sentiment":"neutral","sentiment_score":-0.12917666137218475,"channel":0,"num_words":1,"start":1088.52,"end":1089.02},{"sentences":[{"text":"really worried, but it's safe always","start":1088.705,"end":1090.945,"sentiment":"neutral","sentiment_score":-0.24602095037698746}],"sentiment":"neutral","sentiment_score":-0.24602095037698746,"channel":1,"num_words":6,"start":1088.705,"end":1090.945},{"sentences":[{"text":"No.","start":1090.76,"end":1091.0801,"sentiment":"neutral","sentiment_score":-0.22240328788757324}],"sentiment":"neutral","sentiment_score":-0.22240328788757324,"channel":0,"num_words":1,"start":1090.76,"end":1091.0801},{"sentences":[{"text":"at","start":1090.945,"end":1091.105,"sentiment":"neutral","sentiment_score":-0.24713222682476044}],"sentiment":"neutral","sentiment_score":-0.24713222682476044,"channel":1,"num_words":1,"start":1090.945,"end":1091.105},{"sentences":[{"text":"That's","start":1091.0801,"end":1091.48,"sentiment":"neutral","sentiment_score":-0.20939581096172333}],"sentiment":"neutral","sentiment_score":-0.20939581096172333,"channel":0,"num_words":1,"start":1091.0801,"end":1091.48},{"sentences":[{"text":"the back of","start":1091.105,"end":1091.505,"sentiment":"neutral","sentiment_score":-0.1993977576494217}],"sentiment":"neutral","sentiment_score":-0.1993977576494217,"channel":1,"num_words":3,"start":1091.105,"end":1091.505},{"sentences":[{"text":"okay.","start":1091.48,"end":1091.98,"sentiment":"neutral","sentiment_score":-0.12724073231220245}],"sentiment":"neutral","sentiment_score":-0.12724073231220245,"channel":0,"num_words":1,"start":1091.48,"end":1091.98},{"sentences":[{"text":"your mind.","start":1091.505,"end":1091.985,"sentiment":"neutral","sentiment_score":-0.073516346514225},{"text":"Right?","start":1091.985,"end":1092.485,"sentiment":"neutral","sentiment_score":0.01915702596306801}],"sentiment":"neutral","sentiment_score":-0.042625222355127335,"channel":1,"num_words":3,"start":1091.505,"end":1092.485},{"sentences":[{"text":"Yeah.","start":1092.8401,"end":1093.0801,"sentiment":"neutral","sentiment_score":0.04881884157657623},{"text":"Of course.","start":1093.0801,"end":1093.56,"sentiment":"neutral","sentiment_score":0.06176092475652695},{"text":"So, essentially, we go through an application form with you for the the changes that goes through to the underwriters.","start":1093.56,"end":1099.3401,"sentiment":"neutral","sentiment_score":0.08980212993919849},{"text":"They'll obviously assess what you currently have on there.","start":1099.48,"end":1102.12,"sentiment":"neutral","sentiment_score":0.06690857890579435},{"text":"They'll have a look at what you do have disclosed already within the application.","start":1102.12,"end":1106.9451,"sentiment":"neutral","sentiment_score":0.07944834897560733}],"sentiment":"neutral","sentiment_score":0.08006168229748374,"channel":0,"num_words":46,"start":1092.8401,"end":1106.9451},{"sentences":[{"text":"If there is anything that flags that they need to maybe seek more medical assistance on, they'll get you to sign an authority which allows them to request doctor's reports.","start":1107.0851,"end":1116.305,"sentiment":"neutral","sentiment_score":0.03091410603374243},{"text":"They do sometimes also request maybe a nurse makes contact with you to come out and do some medicals.","start":1116.66,"end":1122.02,"sentiment":"neutral","sentiment_score":0.09650645679549168},{"text":"They might have what's called a MBA 20, which is like a mini check or something.","start":1122.02,"end":1125.56,"sentiment":"neutral","sentiment_score":0.0739706396125257},{"text":"And they come out and they take your height and their weight, and they check your breathing, and they basically do, like, a have a appointment with you where they just do this medical assessment, and that just goes back to them.","start":1125.62,"end":1136.3451,"sentiment":"neutral","sentiment_score":0.06269443194781031}],"sentiment":"neutral","sentiment_score":0.06147422650219681,"channel":0,"num_words":107,"start":1107.0851,"end":1136.3451},{"sentences":[{"text":"Yep.","start":1136.74,"end":1137.24,"sentiment":"neutral","sentiment_score":0.01179291307926178}],"sentiment":"neutral","sentiment_score":0.01179291307926178,"channel":1,"num_words":1,"start":1136.74,"end":1137.24},{"sentences":[{"text":"If there is anything that flags, there could be an exclusion.","start":1136.885,"end":1140.005,"sentiment":"neutral","sentiment_score":-0.22854860262437302},{"text":"There could be loadings.","start":1140.005,"end":1141.145,"sentiment":"neutral","sentiment_score":-0.2557979226112366},{"text":"It really depends on what it is.","start":1141.2051,"end":1142.9651,"sentiment":"neutral","sentiment_score":-0.16009559163025447},{"text":"Normally, they'll just if there's a preexisting condition, like a a knee or a back or something, they might just exclude that area.","start":1142.9651,"end":1150.06,"sentiment":"neutral","sentiment_score":-0.2015477519320405}],"sentiment":"neutral","sentiment_score":-0.20652208344803916,"channel":0,"num_words":45,"start":1136.885,"end":1150.06},{"sentences":[{"text":"Yep.","start":1150.515,"end":1150.74,"sentiment":"neutral","sentiment_score":-0.021027132868766785}],"sentiment":"neutral","sentiment_score":-0.021027132868766785,"channel":1,"num_words":1,"start":1150.515,"end":1150.74},{"sentences":[{"text":"If it's, you know, to do with height and weight like BMI or it's to do with, you know, overall health, they can't can sometimes add a loading, which does make the policy more expensive.","start":1150.84,"end":1162.715,"sentiment":"neutral","sentiment_score":-0.1590590186417103},{"text":"Sorry.","start":1162.775,"end":1163.275,"sentiment":"neutral","sentiment_score":-0.2334036082029343},{"text":"Having a loading whilst the bill makes the policy more expensive means that you can claim for preexisting conditions, whereas an exclusion just excludes that preexisting condition completely.","start":1163.975,"end":1173.4349,"sentiment":"negative","sentiment_score":-0.4221814955983843}],"sentiment":"neutral","sentiment_score":-0.2753367365221493,"channel":0,"num_words":64,"start":1150.84,"end":1173.4349},{"sentences":[{"text":"Yep.","start":1174.115,"end":1174.615,"sentiment":"neutral","sentiment_score":-0.008668361231684685}],"sentiment":"neutral","sentiment_score":-0.008668361231684685,"channel":1,"num_words":1,"start":1174.115,"end":1174.615},{"sentences":[{"text":"It just comes down to how the assessment is.","start":1174.47,"end":1176.55,"sentiment":"neutral","sentiment_score":-0.050331527574194804},{"text":"But before it ever goes in force, the the underwriters come back with their decision.","start":1176.55,"end":1180.95,"sentiment":"neutral","sentiment_score":-0.19658429821332296},{"text":"They speak to us, and then we come back and we decide, hey.","start":1180.95,"end":1184.39,"sentiment":"neutral","sentiment_score":-0.22588924719737127},{"text":"Look.","start":1184.39,"end":1184.63,"sentiment":"negative","sentiment_score":-0.35265547037124634},{"text":"We're not happy with this.","start":1184.63,"end":1185.67,"sentiment":"negative","sentiment_score":-0.7148083329200745}],"sentiment":"neutral","sentiment_score":-0.23872105976523356,"channel":0,"num_words":43,"start":1174.47,"end":1185.67},{"sentences":[{"text":"We'll fight it, and we'll tell you what's happening.","start":1185.67,"end":1187.85,"sentiment":"neutral","sentiment_score":-0.23352109144131342},{"text":"Or if there's nothing that we haven't sort of seen I mean, from everything I can see, you're pretty healthy.","start":1188.585,"end":1193.465,"sentiment":"neutral","sentiment_score":-0.12712387256324292},{"text":"I don't sort of expect much to come with that at the moment.","start":1193.465,"end":1196.445,"sentiment":"neutral","sentiment_score":-0.250143826007843},{"text":"But if there is anything that flags, we'll come back and have that conversation prior to putting it into force just so you're fully informed, and then you get the the to decide whether you're happy to proceed with that offer of cover or not, and we then we kinda go from there.","start":1197.065,"end":1211.03,"sentiment":"neutral","sentiment_score":0.13745206130563087},{"text":"Does that make sense?","start":1211.03,"end":1212.09,"sentiment":"neutral","sentiment_score":0.07737944461405277}],"sentiment":"neutral","sentiment_score":-0.003046060451353439,"channel":0,"num_words":99,"start":1185.67,"end":1212.09},{"sentences":[{"text":"Yeah.","start":1212.0,"end":1212.24,"sentiment":"neutral","sentiment_score":0.003868728876113891},{"text":"No.","start":1212.24,"end":1212.4,"sentiment":"neutral","sentiment_score":-0.07500670850276947},{"text":"That makes sense.","start":1212.4,"end":1213.095,"sentiment":"neutral","sentiment_score":0.011181867371002832},{"text":"Yep.","start":1213.4149,"end":1213.9149,"sentiment":"neutral","sentiment_score":0.09062882512807846}],"sentiment":"neutral","sentiment_score":0.008839407935738564,"channel":1,"num_words":6,"start":1212.0,"end":1213.9149},{"sentences":[{"text":"Yeah.","start":1213.59,"end":1213.99,"sentiment":"neutral","sentiment_score":0.13702435791492462},{"text":"Yeah.","start":1213.99,"end":1214.49,"sentiment":"neutral","sentiment_score":0.14445078372955322},{"text":"So I just like to, you know, prep everyone, let you know there are, the underwriters do assess everything medically.","start":1215.03,"end":1220.365,"sentiment":"neutral","sentiment_score":0.2143062435090542},{"text":"Anything that changes on your health from when the original application was enforced doesn't affect anything that's already enforced.","start":1220.825,"end":1226.425,"sentiment":"neutral","sentiment_score":0.13663205386776672},{"text":"And that's probably the good thing about increasing or altering a new a current policy is","start":1226.425,"end":1231.73,"sentiment":"positive","sentiment_score":0.3814492793753743}],"sentiment":"neutral","sentiment_score":0.2327508334266512,"channel":0,"num_words":57,"start":1213.59,"end":1231.73},{"sentences":[{"text":"Yeah.","start":1231.51,"end":1231.83,"sentiment":"neutral","sentiment_score":0.11918043345212936}],"sentiment":"neutral","sentiment_score":0.11918043345212936,"channel":1,"num_words":1,"start":1231.51,"end":1231.83},{"sentences":[{"text":"that","start":1231.73,"end":1231.89,"sentiment":"neutral","sentiment_score":0.03663605824112892}],"sentiment":"neutral","sentiment_score":0.03663605824112892,"channel":0,"num_words":1,"start":1231.73,"end":1231.89},{"sentences":[{"text":"So","start":1231.83,"end":1231.99,"sentiment":"neutral","sentiment_score":0.054379161447286606}],"sentiment":"neutral","sentiment_score":0.054379161447286606,"channel":1,"num_words":1,"start":1231.83,"end":1231.99},{"sentences":[{"text":"at the","start":1231.89,"end":1232.13,"sentiment":"neutral","sentiment_score":0.03695675916969776}],"sentiment":"neutral","sentiment_score":0.03695675916969776,"channel":0,"num_words":2,"start":1231.89,"end":1232.13},{"sentences":[{"text":"it doesn't","start":1231.99,"end":1232.3099,"sentiment":"neutral","sentiment_score":0.012459808960556984}],"sentiment":"neutral","sentiment_score":0.012459808960556984,"channel":1,"num_words":2,"start":1231.99,"end":1232.3099},{"sentences":[{"text":"moment,","start":1232.13,"end":1232.4501,"sentiment":"neutral","sentiment_score":0.01222061738371849}],"sentiment":"neutral","sentiment_score":0.01222061738371849,"channel":0,"num_words":1,"start":1232.13,"end":1232.4501},{"sentences":[{"text":"doesn't","start":1232.3099,"end":1232.5499,"sentiment":"neutral","sentiment_score":0.017286181449890137}],"sentiment":"neutral","sentiment_score":0.017286181449890137,"channel":1,"num_words":1,"start":1232.3099,"end":1232.5499},{"sentences":[{"text":"you","start":1232.4501,"end":1232.61,"sentiment":"neutral","sentiment_score":0.0005764886736869812}],"sentiment":"neutral","sentiment_score":0.0005764886736869812,"channel":0,"num_words":1,"start":1232.4501,"end":1232.61},{"sentences":[{"text":"undo","start":1232.5499,"end":1232.95,"sentiment":"neutral","sentiment_score":-0.06602245569229126}],"sentiment":"neutral","sentiment_score":-0.06602245569229126,"channel":1,"num_words":1,"start":1232.5499,"end":1232.95},{"sentences":[{"text":"do have","start":1232.61,"end":1233.0901,"sentiment":"neutral","sentiment_score":0.028665849938988686}],"sentiment":"neutral","sentiment_score":0.028665849938988686,"channel":0,"num_words":2,"start":1232.61,"end":1233.0901},{"sentences":[{"text":"everything","start":1232.95,"end":1233.27,"sentiment":"neutral","sentiment_score":0.04449047148227692}],"sentiment":"neutral","sentiment_score":0.04449047148227692,"channel":1,"num_words":1,"start":1232.95,"end":1233.27},{"sentences":[{"text":"that","start":1233.0901,"end":1233.25,"sentiment":"neutral","sentiment_score":0.026478618383407593}],"sentiment":"neutral","sentiment_score":0.026478618383407593,"channel":0,"num_words":1,"start":1233.0901,"end":1233.25},{"sentences":[{"text":"else.","start":1233.27,"end":1233.59,"sentiment":"neutral","sentiment_score":0.00046554580330848694},{"text":"It's finally","start":1233.59,"end":1234.39,"sentiment":"neutral","sentiment_score":-0.03940093331038952}],"sentiment":"neutral","sentiment_score":-0.02611210693915685,"channel":1,"num_words":3,"start":1233.27,"end":1234.39},{"sentences":[{"text":"no.","start":1234.29,"end":1234.61,"sentiment":"neutral","sentiment_score":-0.05632048845291138}],"sentiment":"neutral","sentiment_score":-0.05632048845291138,"channel":0,"num_words":1,"start":1234.29,"end":1234.61},{"sentences":[{"text":"on the","start":1234.39,"end":1234.63,"sentiment":"neutral","sentiment_score":-0.05289348028600216}],"sentiment":"neutral","sentiment_score":-0.05289348028600216,"channel":1,"num_words":2,"start":1234.39,"end":1234.63},{"sentences":[{"text":"That's","start":1234.61,"end":1235.11,"sentiment":"neutral","sentiment_score":-0.02273852378129959}],"sentiment":"neutral","sentiment_score":-0.02273852378129959,"channel":0,"num_words":1,"start":1234.61,"end":1235.11},{"sentences":[{"text":"new yep.","start":1234.63,"end":1235.61,"sentiment":"neutral","sentiment_score":-0.029835055815055966}],"sentiment":"neutral","sentiment_score":-0.029835055815055966,"channel":1,"num_words":2,"start":1234.63,"end":1235.61},{"sentences":[{"text":"that's correct.","start":1235.49,"end":1236.4501,"sentiment":"neutral","sentiment_score":0.11405225843191147},{"text":"So if they find that there is a back exclusion, so long as you didn't have that preexisting when you apply for the policy originally, that will only be put on the the increase of the policy.","start":1236.4501,"end":1247.385,"sentiment":"neutral","sentiment_score":-0.030667965979994955},{"text":"So anything new only affects the increased portion of the policy.","start":1247.625,"end":1251.5651,"sentiment":"neutral","sentiment_score":0.08004176955331456},{"text":"It won't it won't affect the policy that was already held in place, and that's one benefit we have to retaining the cover and just increasing with the same provider for you.","start":1251.785,"end":1261.5651,"sentiment":"neutral","sentiment_score":0.23952290695160627}],"sentiment":"neutral","sentiment_score":0.09315344223343744,"channel":0,"num_words":82,"start":1235.49,"end":1261.5651},{"sentences":[{"text":"Yeah.","start":1261.7899,"end":1262.2899,"sentiment":"neutral","sentiment_score":0.2128172218799591}],"sentiment":"neutral","sentiment_score":0.2128172218799591,"channel":1,"num_words":1,"start":1261.7899,"end":1262.2899},{"sentences":[{"text":"Yeah.","start":1261.865,"end":1262.365,"sentiment":"neutral","sentiment_score":0.289303183555603}],"sentiment":"neutral","sentiment_score":0.289303183555603,"channel":0,"num_words":1,"start":1261.865,"end":1262.365},{"sentences":[{"text":"Cool.","start":1262.6699,"end":1263.1699,"sentiment":"positive","sentiment_score":0.4972444772720337}],"sentiment":"positive","sentiment_score":0.4972444772720337,"channel":1,"num_words":1,"start":1262.6699,"end":1263.1699},{"sentences":[{"text":"Yeah.","start":1264.0,"end":1264.48,"sentiment":"positive","sentiment_score":0.4579659700393677},{"text":"All good.","start":1264.48,"end":1265.3,"sentiment":"positive","sentiment_score":0.6248819231987}],"sentiment":"positive","sentiment_score":0.5692432721455892,"channel":0,"num_words":3,"start":1264.0,"end":1265.3},{"sentences":[{"text":"Mhmm.","start":1265.23,"end":1265.685,"sentiment":"neutral","sentiment_score":0.24476012587547305}],"sentiment":"neutral","sentiment_score":0.24476012587547305,"channel":1,"num_words":1,"start":1265.23,"end":1265.685},{"sentences":[{"text":"So I'll get that quote done.","start":1265.68,"end":1267.36,"sentiment":"neutral","sentiment_score":0.26150190581878024},{"text":"Did you have any questions about any other parts of the recommendations, the super, or anything else there at all?","start":1267.36,"end":1272.8,"sentiment":"neutral","sentiment_score":0.2106095276772976},{"text":"I'm happy to answer anything you've got.","start":1272.8,"end":1274.9,"sentiment":"positive","sentiment_score":0.49483610902513775}],"sentiment":"neutral","sentiment_score":0.2801531742919575,"channel":0,"num_words":33,"start":1265.68,"end":1274.9},{"sentences":[{"text":"No.","start":1275.045,"end":1275.545,"sentiment":"neutral","sentiment_score":-0.0515938475728035},{"text":"Like I said, the the super and everything made sense.","start":1275.685,"end":1278.43,"sentiment":"neutral","sentiment_score":0.03703335933387279},{"text":"So I just wanted to flag probably","start":1278.43,"end":1280.4501,"sentiment":"neutral","sentiment_score":-0.029992985938276564}],"sentiment":"neutral","sentiment_score":0.006043824677666028,"channel":1,"num_words":18,"start":1275.045,"end":1280.4501},{"sentences":[{"text":"Yeah.","start":1280.5449,"end":1281.0449,"sentiment":"neutral","sentiment_score":0.01011025533080101}],"sentiment":"neutral","sentiment_score":0.01011025533080101,"channel":0,"num_words":1,"start":1280.5449,"end":1281.0449},{"sentences":[{"text":"I'm I'm assuming because it's a healthy balance that,","start":1281.79,"end":1284.53,"sentiment":"neutral","sentiment_score":0.07467646565702227}],"sentiment":"neutral","sentiment_score":0.07467646565702227,"channel":1,"num_words":9,"start":1281.79,"end":1284.53},{"sentences":[{"text":"Yeah.","start":1285.265,"end":1285.765,"sentiment":"neutral","sentiment_score":0.13694564998149872}],"sentiment":"neutral","sentiment_score":0.13694564998149872,"channel":0,"num_words":1,"start":1285.265,"end":1285.765},{"sentences":[{"text":"yeah, just even compound interest on that will be will take me over that magic number, which, I mean, is great for me, but I'd prefer to make sure that the extra money doesn't get out of my pocket.","start":1285.31,"end":1297.6749,"sentiment":"neutral","sentiment_score":0.15926950658934239},{"text":"So that's","start":1297.8949,"end":1298.5349,"sentiment":"neutral","sentiment_score":0.2585451006889343}],"sentiment":"neutral","sentiment_score":0.16411221849663957,"channel":1,"num_words":41,"start":1285.31,"end":1298.5349},{"sentences":[{"text":"Absolutely.","start":1298.41,"end":1298.91,"sentiment":"neutral","sentiment_score":0.02828971296548843}],"sentiment":"neutral","sentiment_score":0.02828971296548843,"channel":0,"num_words":1,"start":1298.41,"end":1298.91},{"sentences":[{"text":"that's just what I think we put a plan in place for that when when the time is right","start":1298.5349,"end":1303.6749,"sentiment":"positive","sentiment_score":0.37395287187475906}],"sentiment":"positive","sentiment_score":0.37395287187475906,"channel":1,"num_words":19,"start":1298.5349,"end":1303.6749},{"sentences":[{"text":"Yeah.","start":1304.1051,"end":1304.505,"sentiment":"positive","sentiment_score":0.44123440980911255}],"sentiment":"positive","sentiment_score":0.44123440980911255,"channel":0,"num_words":1,"start":1304.1051,"end":1304.505},{"sentences":[{"text":"so","start":1304.455,"end":1304.695,"sentiment":"positive","sentiment_score":0.5590713620185852}],"sentiment":"positive","sentiment_score":0.5590713620185852,"channel":1,"num_words":1,"start":1304.455,"end":1304.695},{"sentences":[{"text":"Definitely.","start":1304.505,"end":1305.005,"sentiment":"positive","sentiment_score":0.6336290240287781}],"sentiment":"positive","sentiment_score":0.6336290240287781,"channel":0,"num_words":1,"start":1304.505,"end":1305.005},{"sentences":[{"text":"we can do that","start":1304.695,"end":1305.2549,"sentiment":"positive","sentiment_score":0.6134298890829086}],"sentiment":"positive","sentiment_score":0.6134298890829086,"channel":1,"num_words":4,"start":1304.695,"end":1305.2549},{"sentences":[{"text":"I","start":1305.2251,"end":1305.305,"sentiment":"positive","sentiment_score":0.5949230194091797}],"sentiment":"positive","sentiment_score":0.5949230194091797,"channel":0,"num_words":1,"start":1305.2251,"end":1305.305},{"sentences":[{"text":"in","start":1305.2549,"end":1305.4149,"sentiment":"positive","sentiment_score":0.5137433409690857}],"sentiment":"positive","sentiment_score":0.5137433409690857,"channel":1,"num_words":1,"start":1305.2549,"end":1305.4149},{"sentences":[{"text":"mean,","start":1305.305,"end":1305.545,"sentiment":"positive","sentiment_score":0.4477200210094452}],"sentiment":"positive","sentiment_score":0.4477200210094452,"channel":0,"num_words":1,"start":1305.305,"end":1305.545},{"sentences":[{"text":"the next","start":1305.4149,"end":1305.735,"sentiment":"positive","sentiment_score":0.4183412939310074}],"sentiment":"positive","sentiment_score":0.4183412939310074,"channel":1,"num_words":2,"start":1305.4149,"end":1305.735},{"sentences":[{"text":"realist","start":1305.545,"end":1306.045,"sentiment":"positive","sentiment_score":0.38001054525375366}],"sentiment":"positive","sentiment_score":0.38001054525375366,"channel":0,"num_words":1,"start":1305.545,"end":1306.045},{"sentences":[{"text":"review.","start":1305.735,"end":1306.235,"sentiment":"positive","sentiment_score":0.3440593481063843}],"sentiment":"positive","sentiment_score":0.3440593481063843,"channel":1,"num_words":1,"start":1305.735,"end":1306.235},{"sentences":[{"text":"yeah.","start":1306.745,"end":1307.2251,"sentiment":"positive","sentiment_score":0.47271549701690674},{"text":"I mean, realistically, starting that next review and maybe doing that over the course of the years might even bring your wife safer more in line with yours, which would be kind of really great.","start":1307.2251,"end":1315.82,"sentiment":"positive","sentiment_score":0.7017627511705671},{"text":"What we sort of hope to see at retirement, which doesn't often happen, is that you both have a fairly similar balance so you can kinda draw a pro rata out of those to cover, and it kind of sees it, you know, stay aligned and last a lot longer, whereas","start":1315.82,"end":1329.535,"sentiment":"neutral","sentiment_score":0.33314205589247686}],"sentiment":"positive","sentiment_score":0.48304203032762155,"channel":0,"num_words":87,"start":1306.745,"end":1329.535},{"sentences":[{"text":"Yes.","start":1329.4651,"end":1329.9651,"sentiment":"neutral","sentiment_score":0.0345933698117733}],"sentiment":"neutral","sentiment_score":0.0345933698117733,"channel":1,"num_words":1,"start":1329.4651,"end":1329.9651},{"sentences":[{"text":"most people who retire at the moment have very different balances.","start":1329.535,"end":1332.675,"sentiment":"neutral","sentiment_score":-0.08884451199661601},{"text":"You're drawing more out of one and less out of the other and, you know, trying to kinda keep them moving at the same sort of speed.","start":1332.735,"end":1339.235,"sentiment":"neutral","sentiment_score":-0.004034222414096196},{"text":"But, yeah, look, because we don't I don't I don't really want you to kinda get to that $3,000,000 market.","start":1339.935,"end":1345.39,"sentiment":"neutral","sentiment_score":-0.07951364992186427},{"text":"That as much as it's good to have $3,000,000 in super, it does mean there's extra taxes, and it's not indexed at all.","start":1345.39,"end":1351.3301,"sentiment":"neutral","sentiment_score":0.10431054360030786},{"text":"And it does also continue if you're also in that pension phase too.","start":1351.39,"end":1354.8451,"sentiment":"neutral","sentiment_score":0.12746761624629682}],"sentiment":"neutral","sentiment_score":0.01467803062157745,"channel":0,"num_words":94,"start":1329.535,"end":1354.8451},{"sentences":[{"text":"So","start":1354.8451,"end":1355.005,"sentiment":"neutral","sentiment_score":0.07602538913488388}],"sentiment":"neutral","sentiment_score":0.07602538913488388,"channel":0,"num_words":1,"start":1354.8451,"end":1355.005},{"sentences":[{"text":"Yeah.","start":1354.9601,"end":1355.2001,"sentiment":"neutral","sentiment_score":0.09958522021770476}],"sentiment":"neutral","sentiment_score":0.09958522021770476,"channel":1,"num_words":1,"start":1354.9601,"end":1355.2001},{"sentences":[{"text":"it's","start":1355.005,"end":1355.245,"sentiment":"neutral","sentiment_score":0.08458083868026733}],"sentiment":"neutral","sentiment_score":0.08458083868026733,"channel":0,"num_words":1,"start":1355.005,"end":1355.245},{"sentences":[{"text":"Exactly.","start":1355.2001,"end":1355.7001,"sentiment":"neutral","sentiment_score":0.10989593714475632}],"sentiment":"neutral","sentiment_score":0.10989593714475632,"channel":1,"num_words":1,"start":1355.2001,"end":1355.7001},{"sentences":[{"text":"about that longevity","start":1355.245,"end":1356.145,"sentiment":"neutral","sentiment_score":0.08222552637259166}],"sentiment":"neutral","sentiment_score":0.08222552637259166,"channel":0,"num_words":3,"start":1355.245,"end":1356.145},{"sentences":[{"text":"In my in","start":1355.76,"end":1356.4,"sentiment":"neutral","sentiment_score":0.06343235696355502}],"sentiment":"neutral","sentiment_score":0.06343235696355502,"channel":1,"num_words":3,"start":1355.76,"end":1356.4},{"sentences":[{"text":"aspect.","start":1356.365,"end":1356.865,"sentiment":"neutral","sentiment_score":0.06990387290716171}],"sentiment":"neutral","sentiment_score":0.06990387290716171,"channel":0,"num_words":1,"start":1356.365,"end":1356.865},{"sentences":[{"text":"my mind, if","start":1356.4,"end":1357.12,"sentiment":"neutral","sentiment_score":0.04229262967904409}],"sentiment":"neutral","sentiment_score":0.04229262967904409,"channel":1,"num_words":3,"start":1356.4,"end":1357.12},{"sentences":[{"text":"So","start":1356.925,"end":1357.425,"sentiment":"neutral","sentiment_score":0.02129388228058815}],"sentiment":"neutral","sentiment_score":0.02129388228058815,"channel":0,"num_words":1,"start":1356.925,"end":1357.425},{"sentences":[{"text":"I can move it all across and we end up with over 3,000,000, but it's spread between","start":1357.12,"end":1362.3401,"sentiment":"neutral","sentiment_score":0.09751157462596893}],"sentiment":"neutral","sentiment_score":0.09751157462596893,"channel":1,"num_words":17,"start":1357.12,"end":1362.3401},{"sentences":[{"text":"Yeah.","start":1362.285,"end":1362.785,"sentiment":"neutral","sentiment_score":0.10486052930355072}],"sentiment":"neutral","sentiment_score":0.10486052930355072,"channel":0,"num_words":1,"start":1362.285,"end":1362.785},{"sentences":[{"text":"the two of us, that makes a lot more sense.","start":1362.56,"end":1364.5801,"sentiment":"neutral","sentiment_score":0.1808861218392849}],"sentiment":"neutral","sentiment_score":0.1808861218392849,"channel":1,"num_words":10,"start":1362.56,"end":1364.5801},{"sentences":[{"text":"Absolutely.","start":1365.005,"end":1365.505,"sentiment":"neutral","sentiment_score":0.309212327003479},{"text":"And, realistically, up until you reach that agent, that lovely age of 60 and retire or 65, we can only do a few limited strategies, but they are definitely worth having a look at now.","start":1365.7251,"end":1377.29,"sentiment":"neutral","sentiment_score":0.26110048549515863},{"text":"And,","start":1377.67,"end":1377.91,"sentiment":"neutral","sentiment_score":0.08133537322282791}],"sentiment":"neutral","sentiment_score":0.25754228898802317,"channel":0,"num_words":37,"start":1365.005,"end":1377.91},{"sentences":[{"text":"Yeah.","start":1377.6849,"end":1378.1849,"sentiment":"neutral","sentiment_score":0.1269805133342743}],"sentiment":"neutral","sentiment_score":0.1269805133342743,"channel":1,"num_words":1,"start":1377.6849,"end":1378.1849},{"sentences":[{"text":"yeah, looking, you know, if it's if your wife doesn't have as healthy a balance, if it's not really invested the way yours is, we could always look to, you know, do joint advice together, onboard her, look at, you know, how contributing to your super and then splitting your contributions works and what that projects over time to sort of show you guys where this could end up and how it could benefit benefit both of you.","start":1377.91,"end":1399.3301,"sentiment":"neutral","sentiment_score":0.30769341410352635},{"text":"Down the track when you do kinda get into that retirement phase as well, there's other things that we can do because we'll be able to draw money out of super.","start":1399.3301,"end":1406.79,"sentiment":"neutral","sentiment_score":0.16420920481604914},{"text":"We're limited to that until you get to that retirement sort of phase and meet that condition of release.","start":1406.93,"end":1411.665,"sentiment":"neutral","sentiment_score":0.06631673362694289},{"text":"But when you get to that point, if your balance is still increasing quite heavily, we can always look to draw some money out and move it into other places.","start":1411.665,"end":1419.2051,"sentiment":"neutral","sentiment_score":0.17976337398091952},{"text":"That way, it sort of shelters it from that additional tax as well.","start":1419.8251,"end":1422.865,"sentiment":"neutral","sentiment_score":0.30142976572880376}],"sentiment":"neutral","sentiment_score":0.23194197521746507,"channel":0,"num_words":171,"start":1377.91,"end":1422.865},{"sentences":[{"text":"So there are definitely a lot of fun, cool strategies we can do.","start":1422.865,"end":1426.65,"sentiment":"positive","sentiment_score":0.5576035380363464},{"text":"We're limited now, but there are still things that we can put in place to try and keep your balance, you know,","start":1426.73,"end":1432.65,"sentiment":"neutral","sentiment_score":0.13072592214765874}],"sentiment":"neutral","sentiment_score":0.28928046519202844,"channel":0,"num_words":35,"start":1422.865,"end":1432.65},{"sentences":[{"text":"What","start":1432.575,"end":1432.735,"sentiment":"neutral","sentiment_score":-0.005991704761981964}],"sentiment":"neutral","sentiment_score":-0.005991704761981964,"channel":1,"num_words":1,"start":1432.575,"end":1432.735},{"sentences":[{"text":"not","start":1432.65,"end":1432.97,"sentiment":"neutral","sentiment_score":-0.028257302939891815}],"sentiment":"neutral","sentiment_score":-0.028257302939891815,"channel":0,"num_words":1,"start":1432.65,"end":1432.97},{"sentences":[{"text":"are you","start":1432.735,"end":1433.0549,"sentiment":"neutral","sentiment_score":-0.04398356191813946}],"sentiment":"neutral","sentiment_score":-0.04398356191813946,"channel":1,"num_words":2,"start":1432.735,"end":1433.0549},{"sentences":[{"text":"low,","start":1432.97,"end":1433.4501,"sentiment":"neutral","sentiment_score":-0.03096083551645279}],"sentiment":"neutral","sentiment_score":-0.03096083551645279,"channel":0,"num_words":1,"start":1432.97,"end":1433.4501},{"sentences":[{"text":"doing?","start":1433.0549,"end":1433.5549,"sentiment":"neutral","sentiment_score":-0.03857893496751785}],"sentiment":"neutral","sentiment_score":-0.03857893496751785,"channel":1,"num_words":1,"start":1433.0549,"end":1433.5549},{"sentences":[{"text":"but, you know, look after it a bit.","start":1433.4501,"end":1435.53,"sentiment":"neutral","sentiment_score":-0.018323242664337158},{"text":"So yeah.","start":1435.53,"end":1436.43,"sentiment":"neutral","sentiment_score":0.021173828281462193}],"sentiment":"neutral","sentiment_score":-0.010423828475177288,"channel":0,"num_words":10,"start":1433.4501,"end":1436.43},{"sentences":[{"text":"No.","start":1438.35,"end":1438.67,"sentiment":"neutral","sentiment_score":-0.06214218959212303},{"text":"That's fine.","start":1438.67,"end":1439.23,"sentiment":"neutral","sentiment_score":-0.015403858618810773},{"text":"No.","start":1439.23,"end":1439.39,"sentiment":"neutral","sentiment_score":-0.09890586137771606},{"text":"And that's that's","start":1439.39,"end":1440.11,"sentiment":"neutral","sentiment_score":-0.047601970533529915}],"sentiment":"neutral","sentiment_score":-0.04780881140115006,"channel":1,"num_words":7,"start":1438.35,"end":1440.11},{"sentences":[{"text":"Yeah.","start":1440.025,"end":1440.525,"sentiment":"neutral","sentiment_score":-0.03522058576345444}],"sentiment":"neutral","sentiment_score":-0.03522058576345444,"channel":0,"num_words":1,"start":1440.025,"end":1440.525},{"sentences":[{"text":"probably the biggest question.","start":1440.11,"end":1441.15,"sentiment":"neutral","sentiment_score":-0.05222114361822605},{"text":"And then,","start":1441.15,"end":1441.73,"sentiment":"neutral","sentiment_score":-0.00243378896266222}],"sentiment":"neutral","sentiment_score":-0.035625358733038105,"channel":1,"num_words":6,"start":1440.11,"end":1441.73},{"sentences":[{"text":"Yes.","start":1442.025,"end":1442.525,"sentiment":"neutral","sentiment_score":0.045515432953834534}],"sentiment":"neutral","sentiment_score":0.045515432953834534,"channel":0,"num_words":1,"start":1442.025,"end":1442.525},{"sentences":[{"text":"yeah, I think the income protection is the one that moves that premium the most.","start":1442.11,"end":1445.15,"sentiment":"neutral","sentiment_score":0.004414183398087819},{"text":"So just looking at what we can do.","start":1445.15,"end":1446.77,"sentiment":"neutral","sentiment_score":0.04058232484385371}],"sentiment":"neutral","sentiment_score":0.016994406509658565,"channel":1,"num_words":23,"start":1442.11,"end":1446.77},{"sentences":[{"text":"Yeah.","start":1447.385,"end":1447.885,"sentiment":"neutral","sentiment_score":0.11440212279558182},{"text":"Absolutely.","start":1448.345,"end":1448.845,"sentiment":"neutral","sentiment_score":0.13691794872283936}],"sentiment":"neutral","sentiment_score":0.1256600357592106,"channel":0,"num_words":2,"start":1447.385,"end":1448.845},{"sentences":[{"text":"Yeah.","start":1453.0651,"end":1453.385,"sentiment":"neutral","sentiment_score":0.07682912796735764},{"text":"Okay.","start":1453.385,"end":1453.885,"sentiment":"neutral","sentiment_score":0.06086968630552292},{"text":"No.","start":1454.025,"end":1454.3451,"sentiment":"neutral","sentiment_score":0.016692504286766052}],"sentiment":"neutral","sentiment_score":0.05146377285321554,"channel":1,"num_words":3,"start":1453.0651,"end":1454.3451},{"sentences":[{"text":"Yeah.","start":1454.345,"end":1454.665,"sentiment":"neutral","sentiment_score":0.0592389702796936}],"sentiment":"neutral","sentiment_score":0.0592389702796936,"channel":0,"num_words":1,"start":1454.345,"end":1454.665},{"sentences":[{"text":"That makes","start":1454.3451,"end":1454.7451,"sentiment":"neutral","sentiment_score":0.12140955403447151}],"sentiment":"neutral","sentiment_score":0.12140955403447151,"channel":1,"num_words":2,"start":1454.3451,"end":1454.7451},{"sentences":[{"text":"Absolutely.","start":1454.665,"end":1455.165,"sentiment":"neutral","sentiment_score":0.10450803488492966}],"sentiment":"neutral","sentiment_score":0.10450803488492966,"channel":0,"num_words":1,"start":1454.665,"end":1455.165},{"sentences":[{"text":"sense.","start":1454.7451,"end":1454.9851,"sentiment":"neutral","sentiment_score":0.10237018764019012},{"text":"So","start":1454.9851,"end":1455.4851,"sentiment":"neutral","sentiment_score":0.06756854057312012}],"sentiment":"neutral","sentiment_score":0.08496936410665512,"channel":1,"num_words":2,"start":1454.7451,"end":1455.4851},{"sentences":[{"text":"Yeah.","start":1455.7999,"end":1456.2999,"sentiment":"neutral","sentiment_score":0.07811452448368073}],"sentiment":"neutral","sentiment_score":0.07811452448368073,"channel":0,"num_words":1,"start":1455.7999,"end":1456.2999},{"sentences":[{"text":"we'll we'll","start":1455.8651,"end":1456.425,"sentiment":"neutral","sentiment_score":0.06661738455295563}],"sentiment":"neutral","sentiment_score":0.06661738455295563,"channel":1,"num_words":2,"start":1455.8651,"end":1456.425},{"sentences":[{"text":"And","start":1456.36,"end":1456.6,"sentiment":"neutral","sentiment_score":0.043917685747146606}],"sentiment":"neutral","sentiment_score":0.043917685747146606,"channel":0,"num_words":1,"start":1456.36,"end":1456.6},{"sentences":[{"text":"go","start":1456.425,"end":1456.665,"sentiment":"neutral","sentiment_score":0.04964184761047363}],"sentiment":"neutral","sentiment_score":0.04964184761047363,"channel":1,"num_words":1,"start":1456.425,"end":1456.665},{"sentences":[{"text":"the","start":1456.6,"end":1456.76,"sentiment":"neutral","sentiment_score":0.04390804469585419}],"sentiment":"neutral","sentiment_score":0.04390804469585419,"channel":0,"num_words":1,"start":1456.6,"end":1456.76},{"sentences":[{"text":"from","start":1456.665,"end":1456.905,"sentiment":"neutral","sentiment_score":0.02360232174396515}],"sentiment":"neutral","sentiment_score":0.02360232174396515,"channel":1,"num_words":1,"start":1456.665,"end":1456.905},{"sentences":[{"text":"income","start":1456.76,"end":1457.08,"sentiment":"neutral","sentiment_score":0.015530429780483246}],"sentiment":"neutral","sentiment_score":0.015530429780483246,"channel":0,"num_words":1,"start":1456.76,"end":1457.08},{"sentences":[{"text":"there","start":1456.905,"end":1457.145,"sentiment":"neutral","sentiment_score":0.011506199836730955}],"sentiment":"neutral","sentiment_score":0.011506199836730955,"channel":1,"num_words":1,"start":1456.905,"end":1457.145},{"sentences":[{"text":"protection","start":1457.08,"end":1457.48,"sentiment":"neutral","sentiment_score":0.0036631040275096898}],"sentiment":"neutral","sentiment_score":0.0036631040275096898,"channel":0,"num_words":1,"start":1457.08,"end":1457.48},{"sentences":[{"text":"and","start":1457.145,"end":1457.645,"sentiment":"neutral","sentiment_score":0.023799605667591095}],"sentiment":"neutral","sentiment_score":0.023799605667591095,"channel":1,"num_words":1,"start":1457.145,"end":1457.645},{"sentences":[{"text":"is the yeah.","start":1457.48,"end":1458.44,"sentiment":"neutral","sentiment_score":0.03362697487076124},{"text":"Absolutely.","start":1458.44,"end":1458.94,"sentiment":"neutral","sentiment_score":0.1276525855064392},{"text":"Definitely.","start":1459.0,"end":1459.48,"sentiment":"neutral","sentiment_score":0.09218454360961914},{"text":"That is the highest part of the the cost of your insurance.","start":1459.48,"end":1462.94,"sentiment":"neutral","sentiment_score":-0.11044488785167535},{"text":"Unfortunately, income protection always costs the most out of all of them.","start":1463.0,"end":1465.96,"sentiment":"negative","sentiment_score":-0.35913023600975674}],"sentiment":"neutral","sentiment_score":-0.18324770457271872,"channel":0,"num_words":29,"start":1457.48,"end":1465.96},{"sentences":[{"text":"So I'll","start":1465.96,"end":1466.52,"sentiment":"neutral","sentiment_score":0.0038912463933229446}],"sentiment":"neutral","sentiment_score":0.0038912463933229446,"channel":0,"num_words":2,"start":1465.96,"end":1466.52},{"sentences":[{"text":"Yeah.","start":1466.5,"end":1467.0,"sentiment":"neutral","sentiment_score":0.08147259801626205}],"sentiment":"neutral","sentiment_score":0.08147259801626205,"channel":1,"num_words":1,"start":1466.5,"end":1467.0},{"sentences":[{"text":"start by getting that quote there for you.","start":1466.52,"end":1468.36,"sentiment":"neutral","sentiment_score":0.11178802791982889},{"text":"My team will email it through.","start":1468.36,"end":1469.955,"sentiment":"neutral","sentiment_score":0.1428937166929245},{"text":"I did email you this afternoon just kinda going through answering those questions for you as well and just kinda reiterating, you know, the risk factor and what we","start":1470.195,"end":1477.1549,"sentiment":"neutral","sentiment_score":0.07279018942138245}],"sentiment":"neutral","sentiment_score":0.08982748876130858,"channel":0,"num_words":43,"start":1466.52,"end":1477.1549},{"sentences":[{"text":"Yep.","start":1477.045,"end":1477.545,"sentiment":"neutral","sentiment_score":0.0621543824672699}],"sentiment":"neutral","sentiment_score":0.0621543824672699,"channel":1,"num_words":1,"start":1477.045,"end":1477.545},{"sentences":[{"text":"can do other strategy wise with the insurances.","start":1477.1549,"end":1479.255,"sentiment":"neutral","sentiment_score":0.030295306190964766},{"text":"Did you get a chance to read through that or not yet?","start":1480.115,"end":1482.2749,"sentiment":"neutral","sentiment_score":0.009497947835673889},{"text":"If you haven't, it's","start":1482.2749,"end":1483.17,"sentiment":"neutral","sentiment_score":-0.02501474553719163}],"sentiment":"neutral","sentiment_score":0.010678285058626594,"channel":0,"num_words":24,"start":1477.1549,"end":1483.17},{"sentences":[{"text":"Yeah.","start":1486.405,"end":1486.725,"sentiment":"neutral","sentiment_score":-0.009336411952972412},{"text":"No.","start":1486.725,"end":1486.965,"sentiment":"neutral","sentiment_score":-0.04719071090221405},{"text":"That that makes sense.","start":1486.965,"end":1488.005,"sentiment":"neutral","sentiment_score":0.011452427133917809},{"text":"And","start":1488.005,"end":1488.505,"sentiment":"neutral","sentiment_score":0.023158684372901917}],"sentiment":"neutral","sentiment_score":0.0017773242933409555,"channel":1,"num_words":7,"start":1486.405,"end":1488.505},{"sentences":[{"text":"okay.","start":1488.13,"end":1488.63,"sentiment":"neutral","sentiment_score":0.05857180431485176},{"text":"Yeah.","start":1488.6901,"end":1489.1901,"sentiment":"neutral","sentiment_score":0.05554401874542236}],"sentiment":"neutral","sentiment_score":0.05705791153013706,"channel":0,"num_words":2,"start":1488.13,"end":1489.1901},{"sentences":[{"text":"is is there yeah.","start":1490.085,"end":1493.5,"sentiment":"neutral","sentiment_score":0.03435490746051073},{"text":"There's a light.","start":1493.5,"end":1494.3999,"sentiment":"neutral","sentiment_score":0.024221491689483326},{"text":"Is there have you guys got any recommended recommendations for a good accountant?","start":1495.74,"end":1500.46,"sentiment":"neutral","sentiment_score":0.04115435824944423},{"text":"Because, yeah,","start":1500.46,"end":1501.2599,"sentiment":"neutral","sentiment_score":0.004322219640016556}],"sentiment":"neutral","sentiment_score":0.034260690974240955,"channel":1,"num_words":22,"start":1490.085,"end":1501.2599},{"sentences":[{"text":"Yeah.","start":1501.095,"end":1501.595,"sentiment":"neutral","sentiment_score":0.011087973602116108}],"sentiment":"neutral","sentiment_score":0.011087973602116108,"channel":0,"num_words":1,"start":1501.095,"end":1501.595},{"sentences":[{"text":"mine normally","start":1501.2599,"end":1501.8999,"sentiment":"neutral","sentiment_score":-0.002006533555686474}],"sentiment":"neutral","sentiment_score":-0.002006533555686474,"channel":1,"num_words":2,"start":1501.2599,"end":1501.8999},{"sentences":[{"text":"Absolutely.","start":1501.6549,"end":1502.1549,"sentiment":"neutral","sentiment_score":-0.005601778626441956}],"sentiment":"neutral","sentiment_score":-0.005601778626441956,"channel":0,"num_words":1,"start":1501.6549,"end":1502.1549},{"sentences":[{"text":"only mine's normally only yeah.","start":1501.8999,"end":1505.305,"sentiment":"neutral","sentiment_score":-0.06354492828249932},{"text":"Just my my wages.","start":1505.305,"end":1506.5851,"sentiment":"neutral","sentiment_score":-0.06217999756336212},{"text":"Right?","start":1506.5851,"end":1506.8251,"sentiment":"neutral","sentiment_score":-0.04472693055868149},{"text":"Because I don't have I","start":1506.8251,"end":1508.265,"sentiment":"neutral","sentiment_score":-0.13855692446231843}],"sentiment":"neutral","sentiment_score":-0.08693041230241458,"channel":1,"num_words":15,"start":1501.8999,"end":1508.265},{"sentences":[{"text":"Yep.","start":1508.135,"end":1508.635,"sentiment":"neutral","sentiment_score":-0.119315467774868}],"sentiment":"neutral","sentiment_score":-0.119315467774868,"channel":0,"num_words":1,"start":1508.135,"end":1508.635},{"sentences":[{"text":"don't have an investment portfolio at the moment.","start":1508.265,"end":1510.185,"sentiment":"neutral","sentiment_score":-0.1857380773872137},{"text":"Don't have investment properties.","start":1510.185,"end":1511.385,"sentiment":"neutral","sentiment_score":-0.1492824200540781},{"text":"So I've just been running it myself with just simple deductions.","start":1511.385,"end":1514.685,"sentiment":"neutral","sentiment_score":0.15620721063830637},{"text":"So that's also probably buys me some time for when I need to submit.","start":1514.985,"end":1519.95,"sentiment":"neutral","sentiment_score":0.11228675448468753},{"text":"So","start":1520.57,"end":1521.07,"sentiment":"neutral","sentiment_score":0.0920795276761055}],"sentiment":"neutral","sentiment_score":0.03419313442550207,"channel":1,"num_words":38,"start":1508.265,"end":1521.07},{"sentences":[{"text":"Yeah.","start":1520.63,"end":1521.03,"sentiment":"neutral","sentiment_score":0.10568031668663024},{"text":"No.","start":1521.03,"end":1521.27,"sentiment":"neutral","sentiment_score":0.20084387063980105},{"text":"Absolutely.","start":1521.27,"end":1521.77,"sentiment":"positive","sentiment_score":0.35746994614601135},{"text":"Not a problem.","start":1522.3099,"end":1522.87,"sentiment":"positive","sentiment_score":0.46341416239738464},{"text":"I've actually got a really good account we can refer you through to.","start":1522.87,"end":1525.85,"sentiment":"positive","sentiment_score":0.6206307273644668}],"sentiment":"positive","sentiment_score":0.532759793494877,"channel":0,"num_words":19,"start":1520.63,"end":1525.85},{"sentences":[{"text":"yep.","start":1526.09,"end":1526.59,"sentiment":"neutral","sentiment_score":0.2536185681819916}],"sentiment":"neutral","sentiment_score":0.2536185681819916,"channel":1,"num_words":1,"start":1526.09,"end":1526.59},{"sentences":[{"text":"I normally do, like, a a bit of a welcome email that introduces you to him and him to you.","start":1526.275,"end":1531.075,"sentiment":"neutral","sentiment_score":0.2537374719977379},{"text":"His name's Steve.","start":1531.075,"end":1531.955,"sentiment":"positive","sentiment_score":0.41667234897613525},{"text":"He's fantastic.","start":1531.955,"end":1532.695,"sentiment":"positive","sentiment_score":0.7158938050270081},{"text":"Are you comfortable if I do that introduction email?","start":1533.715,"end":1536.035,"sentiment":"neutral","sentiment_score":0.21605837841828665},{"text":"I'll probably do it first thing in the morning for you, which","start":1536.035,"end":1538.34,"sentiment":"neutral","sentiment_score":0.11971349269151688}],"sentiment":"neutral","sentiment_score":0.2421226394565209,"channel":0,"num_words":46,"start":1526.275,"end":1538.34},{"sentences":[{"text":"Yeah.","start":1538.025,"end":1538.345,"sentiment":"neutral","sentiment_score":0.15097588300704956},{"text":"That's fine.","start":1538.345,"end":1539.165,"sentiment":"neutral","sentiment_score":0.22868937253952026}],"sentiment":"neutral","sentiment_score":0.2027848760286967,"channel":1,"num_words":3,"start":1538.025,"end":1539.165},{"sentences":[{"text":"introduces you.","start":1538.74,"end":1539.46,"sentiment":"neutral","sentiment_score":0.20352836698293686},{"text":"And I provide him just some basic information for you and a bit of an idea of what you're after, and then he'll be in touch to book a time to meet you with an initial consultation and talk about what he can do and look at what you're after, and then","start":1539.46,"end":1551.535,"sentiment":"neutral","sentiment_score":0.17558499053120613}],"sentiment":"neutral","sentiment_score":0.17661993039978874,"channel":0,"num_words":54,"start":1538.74,"end":1551.535},{"sentences":[{"text":"Yeah.","start":1551.42,"end":1551.92,"sentiment":"neutral","sentiment_score":0.1010637879371643}],"sentiment":"neutral","sentiment_score":0.1010637879371643,"channel":1,"num_words":1,"start":1551.42,"end":1551.92},{"sentences":[{"text":"he'll kinda go from there.","start":1551.535,"end":1552.655,"sentiment":"neutral","sentiment_score":0.12006623595952988},{"text":"Is that okay?","start":1552.655,"end":1553.475,"sentiment":"neutral","sentiment_score":0.11983409275611241}],"sentiment":"neutral","sentiment_score":0.11997918225824833,"channel":0,"num_words":8,"start":1551.535,"end":1553.475},{"sentences":[{"text":"Yeah.","start":1553.66,"end":1553.9,"sentiment":"neutral","sentiment_score":0.0904192179441452},{"text":"That's fine.","start":1553.9,"end":1554.64,"sentiment":"neutral","sentiment_score":0.1525733470916748}],"sentiment":"neutral","sentiment_score":0.13185530404249826,"channel":1,"num_words":3,"start":1553.66,"end":1554.64},{"sentences":[{"text":"Yep.","start":1554.895,"end":1555.295,"sentiment":"neutral","sentiment_score":0.24111805856227875},{"text":"Fantastic.","start":1555.295,"end":1555.795,"sentiment":"positive","sentiment_score":0.6108238697052002},{"text":"I'll get that email done first thing in the morning for you.","start":1555.855,"end":1558.335,"sentiment":"positive","sentiment_score":0.3878415698806445},{"text":"Not a problem at all.","start":1558.335,"end":1559.6951,"sentiment":"neutral","sentiment_score":0.32650806903839114},{"text":"And, yeah, he's a great accountant.","start":1559.6951,"end":1561.215,"sentiment":"positive","sentiment_score":0.43810925384362537}],"sentiment":"positive","sentiment_score":0.3906894654035568,"channel":0,"num_words":25,"start":1554.895,"end":1561.215},{"sentences":[{"text":"I think he's fantastic.","start":1561.215,"end":1562.275,"sentiment":"positive","sentiment_score":0.5826485455036163},{"text":"He's a he's perfect.","start":1562.335,"end":1563.635,"sentiment":"positive","sentiment_score":0.5250396877527237},{"text":"You wanna nerd in your accountant, then he is it.","start":1563.66,"end":1565.66,"sentiment":"neutral","sentiment_score":0.26797839254140854},{"text":"Steve is it.","start":1565.66,"end":1566.64,"sentiment":"neutral","sentiment_score":0.13863112777471542},{"text":"He is","start":1566.86,"end":1567.18,"sentiment":"neutral","sentiment_score":0.07936905324459076}],"sentiment":"positive","sentiment_score":0.3341377542718597,"channel":0,"num_words":23,"start":1561.215,"end":1567.18},{"sentences":[{"text":"That's","start":1567.155,"end":1567.395,"sentiment":"neutral","sentiment_score":0.1349065750837326}],"sentiment":"neutral","sentiment_score":0.1349065750837326,"channel":1,"num_words":1,"start":1567.155,"end":1567.395},{"sentences":[{"text":"just so","start":1567.18,"end":1567.5801,"sentiment":"neutral","sentiment_score":0.1616622656583786}],"sentiment":"neutral","sentiment_score":0.1616622656583786,"channel":0,"num_words":2,"start":1567.18,"end":1567.5801},{"sentences":[{"text":"it.","start":1567.395,"end":1567.895,"sentiment":"neutral","sentiment_score":0.1294717937707901}],"sentiment":"neutral","sentiment_score":0.1294717937707901,"channel":1,"num_words":1,"start":1567.395,"end":1567.895},{"sentences":[{"text":"knowledgeable.","start":1567.5801,"end":1568.0801,"sentiment":"neutral","sentiment_score":0.11557724326848984}],"sentiment":"neutral","sentiment_score":0.11557724326848984,"channel":0,"num_words":1,"start":1567.5801,"end":1568.0801},{"sentences":[{"text":"Awesome.","start":1570.02,"end":1570.26,"sentiment":"neutral","sentiment_score":0.29372066259384155},{"text":"No.","start":1570.26,"end":1570.5,"sentiment":"neutral","sentiment_score":0.17232227325439453},{"text":"It sounds good.","start":1570.5,"end":1571.32,"sentiment":"neutral","sentiment_score":0.265114426612854}],"sentiment":"neutral","sentiment_score":0.2522772431373596,"channel":1,"num_words":5,"start":1570.02,"end":1571.32},{"sentences":[{"text":"Beautiful.","start":1571.1,"end":1571.6,"sentiment":"positive","sentiment_score":0.3936309218406677},{"text":"Easy.","start":1571.9,"end":1572.3,"sentiment":"positive","sentiment_score":0.3687516450881958},{"text":"Well, thank you so much.","start":1572.3,"end":1573.74,"sentiment":"positive","sentiment_score":0.41766581535339353},{"text":"I'm glad you took some time to read the document.","start":1573.74,"end":1575.8401,"sentiment":"positive","sentiment_score":0.4259241998195648},{"text":"I'll try to I know you are very busy, so I can try to do as much as I can by email for you as well just to make it a lot easier.","start":1576.06,"end":1582.925,"sentiment":"neutral","sentiment_score":0.2117279903455214}],"sentiment":"neutral","sentiment_score":0.2819395464658737,"channel":0,"num_words":50,"start":1571.1,"end":1582.925},{"sentences":[{"text":"I've kind of sat down with our team and gone, hey.","start":1582.925,"end":1584.8451,"sentiment":"neutral","sentiment_score":0.09609756009145216},{"text":"Look.","start":1584.8451,"end":1585.0851,"sentiment":"neutral","sentiment_score":0.026885593309998512},{"text":"Not everyone's available on the phone all the time, especially family and kids and work.","start":1585.0851,"end":1588.8451,"sentiment":"neutral","sentiment_score":0.026550989598035812},{"text":"So we worked up a few ways to do a lot more via email if that helps you out well.","start":1588.8451,"end":1593.98,"sentiment":"neutral","sentiment_score":0.13992073871195315},{"text":"Okay.","start":1596.12,"end":1596.62,"sentiment":"neutral","sentiment_score":0.05600839480757713}],"sentiment":"neutral","sentiment_score":0.09034680765277396,"channel":0,"num_words":48,"start":1582.925,"end":1596.62},{"sentences":[{"text":"No.","start":1596.8049,"end":1596.965,"sentiment":"neutral","sentiment_score":0.0946325957775116},{"text":"That's great.","start":1596.965,"end":1597.5599,"sentiment":"neutral","sentiment_score":0.257904589176178},{"text":"And I look I I think that","start":1597.5599,"end":1599.0,"sentiment":"neutral","sentiment_score":0.16031756145613535}],"sentiment":"neutral","sentiment_score":0.1732664704322815,"channel":1,"num_words":10,"start":1596.8049,"end":1599.0},{"sentences":[{"text":"I","start":1598.9199,"end":1599.08,"sentiment":"neutral","sentiment_score":0.13067872822284698}],"sentiment":"neutral","sentiment_score":0.13067872822284698,"channel":0,"num_words":1,"start":1598.9199,"end":1599.08},{"sentences":[{"text":"made","start":1599.0,"end":1599.24,"sentiment":"neutral","sentiment_score":0.1642158180475235}],"sentiment":"neutral","sentiment_score":0.1642158180475235,"channel":1,"num_words":1,"start":1599.0,"end":1599.24},{"sentences":[{"text":"see.","start":1599.08,"end":1599.58,"sentiment":"neutral","sentiment_score":0.16480523347854614}],"sentiment":"neutral","sentiment_score":0.16480523347854614,"channel":0,"num_words":1,"start":1599.08,"end":1599.58},{"sentences":[{"text":"it easy and then I could ask questions beforehand.","start":1599.24,"end":1601.5,"sentiment":"neutral","sentiment_score":0.1787529620859358},{"text":"So that that was","start":1601.5599,"end":1602.2799,"sentiment":"neutral","sentiment_score":0.127946175634861}],"sentiment":"neutral","sentiment_score":0.16312010471637434,"channel":1,"num_words":13,"start":1599.24,"end":1602.2799},{"sentences":[{"text":"Yeah.","start":1602.04,"end":1602.54,"sentiment":"neutral","sentiment_score":0.26919400691986084}],"sentiment":"neutral","sentiment_score":0.26919400691986084,"channel":0,"num_words":1,"start":1602.04,"end":1602.54},{"sentences":[{"text":"really appreciated.","start":1602.2799,"end":1603.0199,"sentiment":"positive","sentiment_score":0.5226603150367737},{"text":"So thank you.","start":1603.08,"end":1603.8999,"sentiment":"positive","sentiment_score":0.38588934143384296}],"sentiment":"positive","sentiment_score":0.44059773087501525,"channel":1,"num_words":5,"start":1602.2799,"end":1603.8999},{"sentences":[{"text":"Not a not a problem at all, Matthew.","start":1603.72,"end":1605.7999,"sentiment":"positive","sentiment_score":0.38256291300058365},{"text":"Thank you so much for your time.","start":1605.7999,"end":1607.0,"sentiment":"positive","sentiment_score":0.8667486735752651},{"text":"I'll let you go to have a good night with the kids.","start":1607.0,"end":1609.135,"sentiment":"positive","sentiment_score":0.8181679795185725},{"text":"I hope you have a restful evening and a good weekend ahead.","start":1609.135,"end":1611.955,"sentiment":"positive","sentiment_score":0.7447208364804586}],"sentiment":"positive","sentiment_score":0.7149335848979461,"channel":0,"num_words":39,"start":1603.72,"end":1611.955},{"sentences":[{"text":"Right.","start":1612.2799,"end":1612.44,"sentiment":"positive","sentiment_score":0.4744630753993988},{"text":"Thank you very much.","start":1612.44,"end":1613.295,"sentiment":"positive","sentiment_score":0.7516109347343445},{"text":"You too.","start":1613.4551,"end":1614.0951,"sentiment":"positive","sentiment_score":0.39660538733005524}],"sentiment":"positive","sentiment_score":0.6105882269995553,"channel":1,"num_words":7,"start":1612.2799,"end":1614.0951},{"sentences":[{"text":"No","start":1613.9349,"end":1614.255,"sentiment":"neutral","sentiment_score":0.19495631754398343}],"sentiment":"neutral","sentiment_score":0.19495631754398343,"channel":0,"num_words":1,"start":1613.9349,"end":1614.255},{"sentences":[{"text":"And I","start":1614.0951,"end":1614.3351,"sentiment":"neutral","sentiment_score":0.2227853760123253}],"sentiment":"neutral","sentiment_score":0.2227853760123253,"channel":1,"num_words":2,"start":1614.0951,"end":1614.3351},{"sentences":[{"text":"worries.","start":1614.255,"end":1614.755,"sentiment":"neutral","sentiment_score":0.25068628787994385}],"sentiment":"neutral","sentiment_score":0.25068628787994385,"channel":0,"num_words":1,"start":1614.255,"end":1614.755},{"sentences":[{"text":"hope I hope you","start":1614.3351,"end":1614.8151,"sentiment":"neutral","sentiment_score":0.3316924348473549}],"sentiment":"neutral","sentiment_score":0.3316924348473549,"channel":1,"num_words":4,"start":1614.3351,"end":1614.8151},{"sentences":[{"text":"Easy.","start":1614.815,"end":1615.095,"sentiment":"positive","sentiment_score":0.3404119610786438}],"sentiment":"positive","sentiment_score":0.3404119610786438,"channel":0,"num_words":1,"start":1614.815,"end":1615.095},{"sentences":[{"text":"have a great","start":1614.8151,"end":1615.2151,"sentiment":"positive","sentiment_score":0.5686130523681641}],"sentiment":"positive","sentiment_score":0.5686130523681641,"channel":1,"num_words":3,"start":1614.8151,"end":1615.2151},{"sentences":[{"text":"I'll","start":1615.095,"end":1615.375,"sentiment":"positive","sentiment_score":0.6080366969108582}],"sentiment":"positive","sentiment_score":0.6080366969108582,"channel":0,"num_words":1,"start":1615.095,"end":1615.375},{"sentences":[{"text":"time off.","start":1615.2151,"end":1615.9551,"sentiment":"positive","sentiment_score":0.5969984233379364}],"sentiment":"positive","sentiment_score":0.5969984233379364,"channel":1,"num_words":2,"start":1615.2151,"end":1615.9551},{"sentences":[{"text":"thank you so much.","start":1616.255,"end":1617.295,"sentiment":"positive","sentiment_score":0.7374655455350876},{"text":"I'll get my team to focus on the email for you and make sure it comes out, And I'll also get that email done to the accountant's referral tomorrow for you as well.","start":1617.295,"end":1625.98,"sentiment":"positive","sentiment_score":0.4397714047720938},{"text":"Okay?","start":1625.98,"end":1626.48,"sentiment":"neutral","sentiment_score":0.23228678107261655}],"sentiment":"positive","sentiment_score":0.4656475084392648,"channel":0,"num_words":38,"start":1616.255,"end":1626.48},{"sentences":[{"text":"Great.","start":1626.175,"end":1626.655,"sentiment":"positive","sentiment_score":0.7796875834465027},{"text":"Thank you very much.","start":1626.655,"end":1627.59,"sentiment":"positive","sentiment_score":0.8236903250217438}],"sentiment":"positive","sentiment_score":0.8148897767066956,"channel":1,"num_words":5,"start":1626.175,"end":1627.59},{"sentences":[{"text":"My pleasure.","start":1628.22,"end":1628.9401,"sentiment":"positive","sentiment_score":0.8378328084945679},{"text":"Have a lovely evening.","start":1628.9401,"end":1629.9,"sentiment":"positive","sentiment_score":0.8078164756298065},{"text":"Thank you so much for taking my call.","start":1629.9,"end":1631.76,"sentiment":"positive","sentiment_score":0.8409657701849937}],"sentiment":"positive","sentiment_score":0.8310469772134509,"channel":0,"num_words":14,"start":1628.22,"end":1631.76},{"sentences":[{"text":"Thanks.","start":1631.99,"end":1632.49,"sentiment":"positive","sentiment_score":0.7146425843238831},{"text":"You","start":1633.11,"end":1633.4299,"sentiment":"positive","sentiment_score":0.5765735507011414}],"sentiment":"positive","sentiment_score":0.6456080675125122,"channel":1,"num_words":2,"start":1631.99,"end":1633.4299},{"sentences":[{"text":"Thanks.","start":1633.34,"end":1633.8201,"sentiment":"positive","sentiment_score":0.5563326478004456}],"sentiment":"positive","sentiment_score":0.5563326478004456,"channel":0,"num_words":1,"start":1633.34,"end":1633.8201},{"sentences":[{"text":"too.","start":1633.4299,"end":1633.9299,"sentiment":"positive","sentiment_score":0.4084084033966065}],"sentiment":"positive","sentiment_score":0.4084084033966065,"channel":1,"num_words":1,"start":1633.4299,"end":1633.9299},{"sentences":[{"text":"See you later.","start":1633.8201,"end":1634.72,"sentiment":"positive","sentiment_score":0.4641386866569519}],"sentiment":"positive","sentiment_score":0.4641386866569519,"channel":0,"num_words":3,"start":1633.8201,"end":1634.72},{"sentences":[{"text":"Bye.","start":1634.47,"end":1634.97,"sentiment":"neutral","sentiment_score":0.20598118007183075}],"sentiment":"neutral","sentiment_score":0.20598118007183075,"channel":1,"num_words":1,"start":1634.47,"end":1634.97},{"sentences":[{"text":"Bye.","start":1634.78,"end":1635.28,"sentiment":"neutral","sentiment_score":-0.1111380085349083}],"sentiment":"neutral","sentiment_score":-0.1111380085349083,"channel":0,"num_words":1,"start":1634.78,"end":1635.28}]},"summary":{"result":"success","short":"The OQ Financial representative called Matthew to confirm his previous advice document and discuss his financial situation. They addressed concerns about expenses and explained that income protection only covers expenses and claims. The agent suggested reducing coverage and decreasing coverage over time to reduce premiums and increase monthly premiums. They also discussed transferring contributions to a joint partner's super and the importance of maintaining a healthy balance. The agent provided financial advice and advised the customer to prepare for a review and refer their accountant to the speaker."},"intents":{"segments":[{"text":"I just had you booked in just to have a bit quick bit of a quick catch up, in relation to your advice document that I sent through earlier. Is now still a good time there for you?","start_word":27,"end_word":64,"intents":[{"intent":"Confirm time","confidence_score":0.051568493}]},{"text":"Before I jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep.","start_word":71,"end_word":101,"intents":[{"intent":"Record calls","confidence_score":0.08882689}]},{"text":"And just to do a quick security check there for you, just to confirm your full name, your date of birth, and address I should have on file as well. Yep.","start_word":103,"end_word":133,"intents":[{"intent":"Confirm security check","confidence_score":0.018212292}]},{"text":"figured that might be a lot easier for you there, and then we just have this catch up to sort of discuss what it is that's being recommended, what your thoughts are, see if you have any additional questions, and then you get to decide what you wanna do. How does that sound?","start_word":192,"end_word":244,"intents":[{"intent":"Discuss recommendation","confidence_score":0.2030958},{"intent":"Answer questions","confidence_score":0.10169536}]},{"text":"That that was actually really helpful. Thank you.","start_word":252,"end_word":259,"intents":[{"intent":"Express gratitude","confidence_score":0.35292816}]},{"text":"The the main reason for that, I'm just trying to at the moment, Yeah.","start_word":396,"end_word":409,"intents":[{"intent":"Define objective","confidence_score":0.000097073884}]},{"text":"Because you've got the out of pocket policy as well as inside super, they would assess the any occupation inside super first.","start_word":798,"end_word":819,"intents":[{"intent":"Assess out-of-pocket coverage","confidence_score":0.000024428078}]},{"text":"The other side of it is with those hardship provisions, to access hardship through your super, you have to be on Centrelink for twenty six weeks because they require what's called a q two thirty letter. So you'd have to be off work and on Centrelink receiving that for six months prior to you actually being able to claim. Yep.","start_word":1082,"end_word":1141,"intents":[{"intent":"Schedule hardships","confidence_score":0.000010281237}]},{"text":"That's whether, okay. yeah, I can see that see what that quote I mean, the the rest makes sense. So I guess Yeah.","start_word":1791,"end_word":1813,"intents":[{"intent":"Consolidate insurance quote","confidence_score":0.00014342068}]},{"text":"the the change to the fixing up what's what's underperforming in that bit. That all makes Correct.","start_word":1815,"end_word":1831,"intents":[{"intent":"Assess effectiveness of devices","confidence_score":0.0000052672467}]},{"text":"what we can definitely look at doing is we can do things like spousal splitting. Yep.","start_word":2294,"end_word":2309,"intents":[{"intent":"Discuss super contribution spousal split","confidence_score":0.000017687385}]},{"text":"That's the other reason I'm trying to watch the cash flow at the moment until she can be back at work, which hopefully the the youngest is in school again next Yeah.","start_word":2594,"end_word":2625,"intents":[{"intent":"Discuss financial situation","confidence_score":0.0025935415}]},{"text":"Speak to an accountant because it is if it's triggering div two nine three tax, you can elect to have that tax paid out of your super. Okay. Alright.","start_word":2943,"end_word":2971,"intents":[{"intent":"Speak to an accountant","confidence_score":0.0007064298}]},{"text":"And what what I would probably say first is we I I'll get those quotes organized for you. I'll organize my team to request them tomorrow. I'll get my admin team member, Caden, to email those through to you when he receives them next week. Mhmm.","start_word":3272,"end_word":3317,"intents":[{"intent":"Organize quotes","confidence_score":0.025553472},{"intent":"Request quotes","confidence_score":0.70059556},{"intent":"Obtain quotes","confidence_score":0.006835014}]},{"text":"I'll get my admin team member, Caden, to email those through to you when he receives them next week. Mhmm.","start_word":3298,"end_word":3317,"intents":[{"intent":"Send quotes","confidence_score":0.17585939}]},{"text":"So, essentially, we go through an application form with you for the the changes that goes through to the underwriters. They'll obviously assess what you currently have on there.","start_word":3645,"end_word":3673,"intents":[{"intent":"Assess application and obtain medical assistance","confidence_score":0.0032964817}]},{"text":"So, essentially, we go through an application form with you for the the changes that goes through to the underwriters. They'll obviously assess what you currently have on there. They'll have a look at what you do have disclosed already within the application.","start_word":3645,"end_word":3687,"intents":[{"intent":"Explain evaluation process","confidence_score":0.0001499476}]},{"text":"If there is anything that flags that they need to maybe seek more medical assistance on, they'll get you to sign an authority which allows them to request doctor's reports.","start_word":3688,"end_word":3717,"intents":[{"intent":"Request doctor's reports","confidence_score":0.23929562}]},{"text":"They do sometimes also request maybe a nurse makes contact with you to come out and do some medicals.","start_word":3718,"end_word":3736,"intents":[{"intent":"Request nurse's contact","confidence_score":0.11664014}]},{"text":"If it's, you know, to do with height and weight like BMI or it's to do with, you know, overall health, they can't can sometimes add a loading, which does make the policy more expensive. Sorry.","start_word":3842,"end_word":3877,"intents":[{"intent":"Understand health impact of preexisting conditions","confidence_score":0.000055576493},{"intent":"Determine health","confidence_score":0.0005526051}]},{"text":"Having a loading whilst the bill makes the policy more expensive means that you can claim for preexisting conditions, whereas an exclusion just excludes that preexisting condition completely. Yep.","start_word":3878,"end_word":3906,"intents":[{"intent":"Apologize for allowing additional loading","confidence_score":2.1401345e-8}]},{"text":"But before it ever goes in force, the the underwriters come back with their decision. They speak to us, and then we come back and we decide, hey. Look. We're not happy with this. We'll fight it, and we'll tell you what's happening. Or if there's nothing that we haven't sort of seen I mean, from everything I can see, you're pretty healthy.","start_word":3916,"end_word":3978,"intents":[{"intent":"Ask for future communication","confidence_score":0.000017198106}]},{"text":"We'll fight it, and we'll tell you what's happening. Or if there's nothing that we haven't sort of seen I mean, from everything I can see, you're pretty healthy.","start_word":3950,"end_word":3978,"intents":[{"intent":"Explain what is happening","confidence_score":0.00005329803}]},{"text":"I don't sort of expect much to come with that at the moment. But if there is anything that flags, we'll come back and have that conversation prior to putting it into force just so you're fully informed, and then you get the the to decide whether you're happy to proceed with that offer of cover or not, and we then we kinda go from there. Does that make sense? Yeah.","start_word":3980,"end_word":4050,"intents":[{"intent":"Discuss policy options","confidence_score":0.28968748}]},{"text":"that's just what I think we put a plan in place for that when when the time is right Yeah.","start_word":4330,"end_word":4349,"intents":[{"intent":"Create comprehensive plan","confidence_score":1.3288889e-7}]},{"text":"But when you get to that point, if your balance is still increasing quite heavily, we can always look to draw some money out and move it into other places. That way, it sort of shelters it from that additional tax as well.","start_word":4753,"end_word":4795,"intents":[{"intent":"Decrease balance and protect money","confidence_score":0.000019721027}]},{"text":"Is there have you guys got any recommended recommendations for a good accountant?","start_word":5023,"end_word":5035,"intents":[{"intent":"Reiterate risk factors and recommendations for accountant","confidence_score":0.00057825027},{"intent":"Ask for recommendations for accountant","confidence_score":0.007141906}]},{"text":"I normally do, like, a a bit of a welcome email that introduces you to him and him to you. His name's Steve.","start_word":5116,"end_word":5138,"intents":[{"intent":"Introduce to steve","confidence_score":0.009680799}]},{"text":"And I provide him just some basic information for you and a bit of an idea of what you're after, and then he'll be in touch to book a time to meet you with an initial consultation and talk about what he can do and look at what you're after, and then Yeah.","start_word":5167,"end_word":5219,"intents":[{"intent":"Schedule consultation with steve","confidence_score":0.013636093}]}]},"sentiments":{"segments":[{"text":"Hello. May I speak Hi, Matthew. It's Zena from OQ Financial. How are you this afternoon?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.1062665358185768},{"text":"Good. Good, Donna. How are you? I'm very well. Thank you.","start_word":16,"end_word":26,"sentiment":"positive","sentiment_score":0.546644389629364},{"text":"I just had you booked in just to have a bit quick bit of a quick catch up, in relation to your advice document that I sent through earlier. Is now still a good time there for you? Yeah.","start_word":27,"end_word":65,"sentiment":"neutral","sentiment_score":0.2667502760887146},{"text":"It's all good. Yeah. Fantastic.","start_word":66,"end_word":70,"sentiment":"positive","sentiment_score":0.46047520637512207},{"text":"Before I jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep.","start_word":71,"end_word":101,"sentiment":"neutral","sentiment_score":0.2371109277009964},{"text":"Fantastic.","start_word":102,"end_word":102,"sentiment":"positive","sentiment_score":0.4294789731502533},{"text":"And just to do a quick security check there for you, just to confirm your full name, your date of birth, and address I should have on file as well. Yep. Matthew Alexander Stevenson to Courtland Yep. Street, Salisbury, And 4th Of June 1986.","start_word":103,"end_word":146,"sentiment":"neutral","sentiment_score":0.13748674094676971},{"text":"Lovely. Thank you so much for that.","start_word":147,"end_word":153,"sentiment":"positive","sentiment_score":0.5281931757926941},{"text":"I know you are really busy, so I figured sending that through to you and then having the presentation done by email essentially kind of outlines everything so you can read it in your own time. I Yeah. figured that might be a lot easier for you there, and then we just have this catch up to sort of discuss what it is that's being recommended, what your thoughts are, see if you have any additional questions, and then you get to decide what you wanna do. How does that sound?","start_word":154,"end_word":244,"sentiment":"neutral","sentiment_score":0.23166997730731964},{"text":"You know, I thought that was great. That that was actually really helpful. Thank you.","start_word":245,"end_word":259,"sentiment":"positive","sentiment_score":0.5221553444862366},{"text":"Oh, Even that's even okay. though don't don't be worried about I was replying at 02:00 in the morning. It just so happened I fell asleep putting the kids to bed, and then I remembered that I had that that email to read through. So Yeah. No. That's okay. I saw that, and I thought, look. Maybe you're a workaholic, Mike. yeah. Me. I don't judge there. Don't worry in any Yeah. way, shape, or form. But, no. Honestly, it's not a problem at all.","start_word":260,"end_word":344,"sentiment":"neutral","sentiment_score":0.030327415093779564},{"text":"But thank you so much for going through and having a look at that. I do appreciate it.","start_word":345,"end_word":362,"sentiment":"positive","sentiment_score":0.5419303774833679},{"text":"I know one of the things that you sort of brought up for me was, obviously, the concern around around the expenses with regard to the the out of pocket portion. Yeah. Look. The the main reason for that, I'm just trying to at the moment, Yeah. I'm I'm trying to rebuild up more of a capital position so I've got other stuff outside of outside of the super. Because, I mean, the super looks healthy. Yeah. Right? And Yeah. the what I'm trying to figure out, and this is what I couldn't remember, and I was gonna file you back another email, and then thought it'd be quicker for us to chat now. Yeah. Remind me what what triggers income protection that wouldn't have triggered, like, TPD or or trauma or things like that. I'm just wondering Yeah. Absolutely. if that changes the if that changes the risk profile. Because, I mean, if in theory, if I can't work because I've had trauma or PPD and that's stopped my ability to work, Yeah. can I trigger those other causes first, and then that gives me the time to buy through to if I had the longer waiting period? But just so you know where my Yeah. Your heads up. processing Yeah. Abs was going. Yeah. absolutely. No. Completely understand. So the main thing that we sort of look at and all the different insurances, while they can overlap, do have specific triggers. Yeah. So, like, normally, if you were to say have a car accident or motorcycle accident or you broke your back and couldn't go to work, that doesn't necessarily constitute a trauma a trauma diagnosis. Cool. So trauma Okay. wouldn't be claimable in that instance, and it's not quite for TPD. You'd still be going through, you know, seeking treatment and things like that, so it wouldn't really qualify for TPD upfront. So that's when you would qualify for income protection. So if Okay. you offer off work and at the moment with that hundred and four week waiting period, you would have to sort of wait that long and cover your expenses in the short term before you're able to submit the claim. Yep. So it is quite a longer waiting period there. If you were still off work after, say, you know, six or twelve months and your doctor said, hey. Look.","start_word":363,"end_word":759,"sentiment":"neutral","sentiment_score":-0.11791159216342705},{"text":"You're never going back to work again. We can't keep, you know, trying to find a way to get you back, then they would agree to TPD.","start_word":760,"end_word":786,"sentiment":"negative","sentiment_score":-0.4011498987674713},{"text":"And in that instance, you could claim that total permanent disability. Because you've got the out of pocket policy as well as inside super, they would assess the any occupation inside super first. If you didn't meet that definition, then they assess the out of pocket policy at that point.","start_word":787,"end_word":836,"sentiment":"neutral","sentiment_score":-0.1320948302745819},{"text":"But, realistically, you know, depending on what it is and what you do for work, if it was really serious, you know, you broke your back and could never go back to work again, then you would probably make that any definition.","start_word":837,"end_word":878,"sentiment":"negative","sentiment_score":-0.35546302795410156},{"text":"So but, yeah, it's more just about what triggers first. Normally, income protection is what is triggered first because you're still going through treatment, and income protection covers a portion of your income to help, you know, alleviate some expenditure and cover your bills in the short term whilst you're seeking treatment, trying to get back to work. And then if you then can't go back to work, then it triggers TBD after that point. Does that make sense? Yeah. No. That makes sense. So, I mean, Yeah. if I left it where I am right now, it'd be Mhmm. me trying to if that situation that would occur Yeah. that wouldn't normally trigger those, I guess I'd be down to what other options I'd have to do to cover expenses in the meantime and Yeah. whether I can hope hope and bid my luck on, like, hardship permissions while I wait for that stuff to kick in, I guess, would be my only option. There's there's no guarantee that that would be Yeah. would work Yeah. either. Right?","start_word":879,"end_word":1057,"sentiment":"neutral","sentiment_score":-0.1475064605474472},{"text":"So I guess that's a risk position that I'd have to take if I don't change that waiting Yeah.","start_word":1058,"end_word":1076,"sentiment":"negative","sentiment_score":-0.49476680159568787},{"text":"period for now. Absolutely. The other side of it is with those hardship provisions, to access hardship through your super, you have to be on Centrelink for twenty six weeks because they require what's called a q two thirty letter. So you'd have to be off work and on Centrelink receiving that for six months prior to you actually being able to claim. Yep.","start_word":1077,"end_word":1140,"sentiment":"neutral","sentiment_score":-0.13586358446627855},{"text":"And that is that's quite a a condition to meet. That would be requiring you to not be able to work for six months and still having to be able to receive some sort of settling benefits, which are pretty minimal at this point in time. So Yeah. that that is definitely increasing the risk level there for you.","start_word":1141,"end_word":1199,"sentiment":"negative","sentiment_score":-0.41098058223724365},{"text":"So I mean, with with the way that I've tried to sort of structure the income protection to alleviate that a little bit is to kind of whilst we're reducing the waiting period to thirty days, also reduce that benefit period back from age 65 to five years. Because, realistically, if you think about, you know, what could That's where go wrong it triggers all the extra things if I'm not back by then. Right? So Exactly. Yeah. Definitely. so and I I don't want to cause more work for you, but I'm just thinking, No. do we do we seek that other one, that that alternate quote that would be to the two years Yeah. maybe? I can organize And that. Yep. I'm just yeah. And I know that premiums are going up right now. I'm just the other Yes. the other part that's playing through my mind is that this would see an increase in that premium again. But if it's gonna keep increasing each Mhmm. year, like, what does it does it have a max cap out that that premium would reach per No. month? Because No. Definitely yeah. not. That they will just keep increasing. And one of the things we sort of want to look at with insurances is we tend to need to have a higher level of cover now. We pay down our mortgage as much as possible, get our super balance up even higher, and then we can start to decrease the cover. So, realistically, we should be able to decrease the cover over time.","start_word":1200,"end_word":1462,"sentiment":"neutral","sentiment_score":-0.13982675969600675},{"text":"I'm absolutely happy to get that quote for you.","start_word":1463,"end_word":1471,"sentiment":"positive","sentiment_score":0.8128852248191833},{"text":"I just need to let you know I'm away next week. So I will get my team to organize the quote, and I will get one of them to email that through to you to have a look at. It takes about five to seven days to come through from Chow. That's why, unfortunately, I couldn't have didn't Yeah. quite No. get No. the quote No. That's done last time. I do apologize about that. no. That's But alright. is that okay with you if we get the I'll organize that tomorrow from my team, and I'll get one of them to email through to you when they receive it next week. Is that okay? Yeah. No. That's fine. Because Yes. the way I look at it at the moment, I look at my insurances, and I mean, it's it's all for valid reasons. But at the same time, these insurances are the ones that are probably eating the most out monthly. And I mean, there's good reason for that, but at the same time, It still it still it affects it you.","start_word":1472,"end_word":1654,"sentiment":"neutral","sentiment_score":-0.00450874725356698},{"text":"it it still sucks out a bunch of cash flow Yeah.","start_word":1655,"end_word":1665,"sentiment":"negative","sentiment_score":-0.4673216640949249},{"text":"Absolutely. at the moment. Completely understand. And you've got kids and normal expenses Well, and look, school this and all the things going I'll on. I'll So be going back to my budget last night. I'm like, oh, finally, they'd finished their final swimming lessons and then that would cover it. Right? Like, the the cost for last two in swimming lessons that Yeah. Yep. that ends up equaling out to about what the premium would be. I'm like, oh, I can't remove that, but now I want the kids to Yes. swim. Yeah. So, yeah, just Yep. trying to just It trying to shift things around and try to rebuild everything, I guess, in my challenge right now. was. Yeah. And, Absolutely. yeah, No. That's whether, okay. yeah, I can see that see what that quote I mean, the the rest makes sense. So I guess Yeah. the the change to the fixing up what's what's underperforming in that bit. That all makes Correct. sense. Yep. I don't know whether we can separate that part of the device out while we fix up the rest of the insurance piece or not. But Yep. my other question my only question on that one was Mhmm. knowing where they're flirting with that $3,000,000 cap. Mhmm. Do at what point, and it doesn't have to be now, but it's probably something Yeah. within the next review cycle, Mhmm. Happens. It's done. Sorry. Hold on here No. You're as right. well. Okay. Ready. Are you trying to play as well, Patty? No. Okay. Or you just have to wait for a second. I'll get it sorted out for you in a second.","start_word":1666,"end_word":1944,"sentiment":"neutral","sentiment_score":-0.011507318715655034},{"text":"Okay? Just keep her happy, and then I'll go buy you something on my home.","start_word":1945,"end_word":1959,"sentiment":"positive","sentiment_score":0.5095793604850769},{"text":"Mhmm. Yeah. Yeah. I ended up having kids with me when I went to drop the drop the drop the oldest up at Scuf. Yeah. So where I was going with that was I'm just thinking and doesn't have to be in this review cycle, but something I Yep. probably Yeah. need to think about is if they do put in that $3,000,000 piece, even if I looked at no more contributions going in by my calculations, I'm gonna exceed that 3,000,000 mark between now and when I retire. Right? So Yeah. Yeah. as as and that's that's working up a very modest growth rate Yeah. as well and no further contributions. So Mhmm. what I was thinking was do is there a strategy we need to put in place to treat that? And maybe it's I start contributing to my wife's because she's got next to nothing. So then as a family unit, we have more, or is it, you know, is it going through those sort of thought processes for my super strategy Yeah. as well? Abs But absolutely. I guess the thing is Yeah. we don't know if have they passed the the They three have, million unfortunately. one? Yeah. Yeah. I I couldn't 50 remember nine if it was six actually is still in. outstanding or not. Yep. All the taxes are happening. It's the thing. Yeah. Just just does everything Yeah. in right. No. Look. Honestly, it's a really valid question. And, essentially, you can't sort of stop contributions going into your account. Those employer contributions have to go into your super. That is mandated. With the projected outcome over the next ten years, we're okay. We're sitting at 1.6 currently with the projected outcome, and that is in that's if your super can get 11.11 every year. Realistically, you could be on track for that even if your super doesn't quite get it because you have a higher balance now, and more money makes more money. But Yep. what we can definitely look at doing is we can do things like spousal splitting. Yep. Essentially, that means that you're still contributing to your super, but Yeah. at I the just end of do each a transfer financial across. year, Right? Yeah. correct, we can transfer Yeah.","start_word":1960,"end_word":2341,"sentiment":"neutral","sentiment_score":0.05363055091370775},{"text":"up to 85% of that year's contributions into your partner's into your wife's super, and that boosts up her super as well. We can definitely look at doing that every year, and I'm absolutely happy.","start_word":2342,"end_word":2376,"sentiment":"positive","sentiment_score":0.6059340238571167},{"text":"Maybe the next annual review, we have a look at that. I would also wanna have a look at her super if that's something she'd be open to maybe looking at doing it together as a joint piece. And it I don't Yeah. have to onboard her to do it, but it is honestly easy if we can look at her super and make sure it is working to its best of its ability as well. Look, it's Otherwise, I'm it's just definitely recommending to definitely put wouldn't money be at in. the moment because she's just I think she's Yeah. still with her super her account. Probably would have went back to Australian super. I'm pretty sure. Well, Yep. because she was ex q super. Right? So Yeah. Yeah. but her Oh, that'll be ART. That'll be Australian Retirement yeah. Trust Time now. and trial trends. Yeah. Yeah. That one. Sorry. Yeah. Back to Yeah. that one. You're right. So Yep. she yeah. Her super probably needs a bit of work, but, I mean, the the amount that she gets contributions, she's only doing, like, casual work at the moment where Yep. they are paying sleep to her, but it's, like, few and far between. And that's the other Yeah. thing that we're trying to do. That's the other reason I'm trying to watch the cash flow at the moment until she can be back at work, which hopefully the the youngest is in school again next Yeah. year, Yep. who will even start school next year, which would give her more time to, hopefully get a get more of a salary. But Yes. a very, very careful plotting game for us at the moment because she can get carrier's allowance as long as we pick just underneath that $2.50 Yep. k house hold piece. And Yep.","start_word":2377,"end_word":2684,"sentiment":"neutral","sentiment_score":0.033875530761025556},{"text":"when I when I did estimate for my tax, it looks like I got an extra payment that has just pushed me over, which means I'm probably gonna have a debt to pay back to tax office, I'd imagine.","start_word":2685,"end_word":2723,"sentiment":"negative","sentiment_score":-0.41974103450775146},{"text":"No. So we're working through what that's possibly gonna look like, and I'm looking for other other claimable right now to see Yeah. if I can lower With that back down. with the the debt, is that just like a an ACO tax debt, or are you now liable for, like, DIV two nine three? What does the account say about it? Haven't spoken to an accountant about it yet. Alright. I'm I'm just looking Right. at what the numbers look like and Yep. just on my own self estimate. But because, Yep. technically, I didn't have anything fancy in my piece, and I've only gone to $2.30.","start_word":2724,"end_word":2831,"sentiment":"neutral","sentiment_score":-0.14718465507030487},{"text":"But because my bonus from my last company that I left got paid during the same financial year, I think it's pushed me over.","start_word":2832,"end_word":2855,"sentiment":"negative","sentiment_score":-0.4316118359565735},{"text":"Okay. What's the total income? How much does it look like it's gonna be? It's sitting where was I sitting? I me by myself, I think I sat at the $2. 52 mark, I think, for the for the gross. So Okay. Yeah. Because but if then it's I if it's triggering yeah. dev two two nine two two nine three tax, which is the tax that you pay, it's the extra 15% on super contributions and the additional tax that you pay for earning over 250,000. Speak to an accountant because it is if it's triggering div two nine three tax, you can elect to have that tax paid out of your super. Okay. Alright. Yeah. So that might alleviate a little bit of pressure, but make sure you go and speak to your accountant first, get them to run the numbers, and confirm if it's just, you know, you haven't paid enough tax, and there's just a normal ATO tax bill. Like, self employed people tend to get a tax bill instead of paying tax on a regular basis. But if it is related to DIV two nine three and it's because you've earned over 250,000 for the year, bring that up with the accountant because, essentially, you can elect for DIV two nine three. You can elect to have it paid out of your super fund. And as much as it's not always fun to take extra money out of super, it might just alleviate that little bit of pressure for you if you're able to do it that way and if it is DIV293. So Yeah. Okay. that might be one thing to chat to an account in about to give you, hopefully, some good news. Yeah. No. That's it.","start_word":2856,"end_word":3148,"sentiment":"neutral","sentiment_score":0.06450376318888452},{"text":"I'm on the bright side. At least I've got a healthy super balance for someone my age.","start_word":3149,"end_word":3165,"sentiment":"positive","sentiment_score":0.3848807215690613},{"text":"So Yes. that's Yeah. the Definitely. one one bright side. Right? Yeah. No. Absolutely. The the other part I'm worried about is it's more it's taking it would have taken us over the household income, which means they'll come after the the carers amount Yes. that they'd pay to us. So that's Yeah. there's there's ways and means to to work that out. Yeah. So it's not cash flow Yeah. prohibitive, but just means dealing with Centrelink, which is never fun. Yeah.","start_word":3166,"end_word":3247,"sentiment":"neutral","sentiment_score":-0.10580505430698396},{"text":"No. No. No.","start_word":3248,"end_word":3250,"sentiment":"negative","sentiment_score":-0.3918913304805755},{"text":"Bye. No. I understand that. We do that a a lot of that, unfortunately. No. But, look, I completely understand. And what what I would probably say first is we I I'll get those quotes organized for you.","start_word":3251,"end_word":3288,"sentiment":"neutral","sentiment_score":0.019087646156549457},{"text":"I'll organize my team to request them tomorrow.","start_word":3289,"end_word":3296,"sentiment":"positive","sentiment_score":0.3499622344970703},{"text":"I'll get my admin team member, Caden, to email those through to you when he receives them next week. Mhmm. And then I'm technically on holidays for two weeks. So I'm back on the twenty eighth. What Okay. we can do is on the last page of that advice document, you do actually have a multiliner or a text box there. So if you just hold off for the moment on signing and sending it back, wait for that quote to come through, have a look at the quote, and then maybe let me know if you just wanna go ahead with the steady like, the income protection with the two year benefit period. In that box on the very last page, you just make a little note to say that, you know, alteration to advice is you wish to go ahead with income protection policy, thirty days waiting, two year benefit. As long as we have that on the last page, it allows us to alter the advice. It's just it's just an alteration that we can make sure we adhere to. And then when we go through the insurance side of things, we'll know that you're only gonna go with the quote that is thirty days waiting and two year benefit period, and then we'll just you know, it it kind of just an adjustment to the advice to make it easier on yourself. But it how we just understand that that's an alteration, and we'll just go ahead with that instead of what was recommended for you, if that makes sense. Yep. Yeah. Okay. No. That makes sense. Yeah. And Yeah. with the additional medicals and everything, so Yes. if anything was to come out of any of that, could that mean Mhmm. that would just mean exclusions or what's It the could potential be. premium changes or Yeah. It really depends not not on what not it that is. I'm not that I'm No. really worried, but it's safe always No. at That's the back of okay. your mind. Right? Yeah. Of course. So, essentially, we go through an application form with you for the the changes that goes through to the underwriters. They'll obviously assess what you currently have on there. They'll have a look at what you do have disclosed already within the application. If there is anything that flags that they need to maybe seek more medical assistance on, they'll get you to sign an authority which allows them to request doctor's reports. They do sometimes also request maybe a nurse makes contact with you to come out and do some medicals. They might have what's called a MBA 20, which is like a mini check or something. And they come out and they take your height and their weight, and they check your breathing, and they basically do, like, a have a appointment with you where they just do this medical assessment, and that just goes back to them. Yep. If there is anything that flags, there could be an exclusion. There could be loadings. It really depends on what it is. Normally, they'll just if there's a preexisting condition, like a a knee or a back or something, they might just exclude that area. Yep. If it's, you know, to do with height and weight like BMI or it's to do with, you know, overall health, they can't can sometimes add a loading, which does make the policy more expensive. Sorry.","start_word":3297,"end_word":3876,"sentiment":"neutral","sentiment_score":0.01590474163149965},{"text":"Having a loading whilst the bill makes the policy more expensive means that you can claim for preexisting conditions, whereas an exclusion just excludes that preexisting condition completely.","start_word":3877,"end_word":3904,"sentiment":"negative","sentiment_score":-0.40196818113327026},{"text":"Yep. It just comes down to how the assessment is. But before it ever goes in force, the the underwriters come back with their decision. They speak to us, and then we come back and we decide, hey.","start_word":3905,"end_word":3942,"sentiment":"neutral","sentiment_score":-0.1694592982530594},{"text":"Look. We're not happy with this.","start_word":3943,"end_word":3948,"sentiment":"negative","sentiment_score":-0.6218916773796082},{"text":"We'll fight it, and we'll tell you what's happening. Or if there's nothing that we haven't sort of seen I mean, from everything I can see, you're pretty healthy. I don't sort of expect much to come with that at the moment. But if there is anything that flags, we'll come back and have that conversation prior to putting it into force just so you're fully informed, and then you get the the to decide whether you're happy to proceed with that offer of cover or not, and we then we kinda go from there. Does that make sense? Yeah. No. That makes sense. Yep. Yeah. Yeah. So I just like to, you know, prep everyone, let you know there are, the underwriters do assess everything medically. Anything that changes on your health from when the original application was enforced doesn't affect anything that's already enforced.","start_word":3949,"end_word":4094,"sentiment":"neutral","sentiment_score":0.04734308736985677},{"text":"And that's probably the good thing about increasing or altering a new a current policy is Yeah.","start_word":4095,"end_word":4111,"sentiment":"positive","sentiment_score":0.3566528856754303},{"text":"that So at the it doesn't moment, doesn't you undo do have everything that else. It's finally no. on the That's new yep. that's correct. So if they find that there is a back exclusion, so long as you didn't have that preexisting when you apply for the policy originally, that will only be put on the the increase of the policy. So anything new only affects the increased portion of the policy. It won't it won't affect the policy that was already held in place, and that's one benefit we have to retaining the cover and just increasing with the same provider for you. Yeah. Yeah.","start_word":4112,"end_word":4218,"sentiment":"neutral","sentiment_score":0.0686720535159111},{"text":"Cool. Yeah. All good.","start_word":4219,"end_word":4222,"sentiment":"positive","sentiment_score":0.5355665683746338},{"text":"Mhmm. So I'll get that quote done. Did you have any questions about any other parts of the recommendations, the super, or anything else there at all?","start_word":4223,"end_word":4249,"sentiment":"neutral","sentiment_score":0.22597046196460724},{"text":"I'm happy to answer anything you've got.","start_word":4250,"end_word":4256,"sentiment":"positive","sentiment_score":0.48896855115890503},{"text":"No. Like I said, the the super and everything made sense. So I just wanted to flag probably Yeah. I'm I'm assuming because it's a healthy balance that, Yeah. yeah, just even compound interest on that will be will take me over that magic number, which, I mean, is great for me, but I'd prefer to make sure that the extra money doesn't get out of my pocket. So that's Absolutely.","start_word":4257,"end_word":4327,"sentiment":"neutral","sentiment_score":0.11327596008777618},{"text":"that's just what I think we put a plan in place for that when when the time is right Yeah. so Definitely. we can do that I in mean, the next realist review. yeah. I mean, realistically, starting that next review and maybe doing that over the course of the years might even bring your wife safer more in line with yours, which would be kind of really great.","start_word":4328,"end_word":4396,"sentiment":"positive","sentiment_score":0.5640878081321716},{"text":"What we sort of hope to see at retirement, which doesn't often happen, is that you both have a fairly similar balance so you can kinda draw a pro rata out of those to cover, and it kind of sees it, you know, stay aligned and last a lot longer, whereas Yes. most people who retire at the moment have very different balances. You're drawing more out of one and less out of the other and, you know, trying to kinda keep them moving at the same sort of speed. But, yeah, look, because we don't I don't I don't really want you to kinda get to that $3,000,000 market. That as much as it's good to have $3,000,000 in super, it does mean there's extra taxes, and it's not indexed at all. And it does also continue if you're also in that pension phase too. So Yeah. it's Exactly. about that longevity In my in aspect. my mind, if So I can move it all across and we end up with over 3,000,000, but it's spread between Yeah. the two of us, that makes a lot more sense. Absolutely. And, realistically, up until you reach that agent, that lovely age of 60 and retire or 65, we can only do a few limited strategies, but they are definitely worth having a look at now. And, Yeah. yeah, looking, you know, if it's if your wife doesn't have as healthy a balance, if it's not really invested the way yours is, we could always look to, you know, do joint advice together, onboard her, look at, you know, how contributing to your super and then splitting your contributions works and what that projects over time to sort of show you guys where this could end up and how it could benefit benefit both of you. Down the track when you do kinda get into that retirement phase as well, there's other things that we can do because we'll be able to draw money out of super. We're limited to that until you get to that retirement sort of phase and meet that condition of release. But when you get to that point, if your balance is still increasing quite heavily, we can always look to draw some money out and move it into other places. That way, it sort of shelters it from that additional tax as well.","start_word":4397,"end_word":4794,"sentiment":"neutral","sentiment_score":0.17590559992808194},{"text":"So there are definitely a lot of fun, cool strategies we can do.","start_word":4795,"end_word":4807,"sentiment":"positive","sentiment_score":0.5628083944320679},{"text":"We're limited now, but there are still things that we can put in place to try and keep your balance, you know, What not are you low, doing? but, you know, look after it a bit. So yeah. No. That's fine. No. And that's that's Yeah. probably the biggest question. And then, Yes. yeah, I think the income protection is the one that moves that premium the most. So just looking at what we can do. Yeah. Absolutely. Yeah. Okay. No. Yeah. That makes Absolutely. sense. So Yeah. we'll we'll And go the from income there protection and is the yeah. Absolutely. Definitely. That is the highest part of the the cost of your insurance.","start_word":4808,"end_word":4922,"sentiment":"neutral","sentiment_score":0.02646825462579727},{"text":"Unfortunately, income protection always costs the most out of all of them.","start_word":4923,"end_word":4934,"sentiment":"negative","sentiment_score":-0.3541073203086853},{"text":"So I'll Yeah. start by getting that quote there for you. My team will email it through. I did email you this afternoon just kinda going through answering those questions for you as well and just kinda reiterating, you know, the risk factor and what we Yep. can do other strategy wise with the insurances. Did you get a chance to read through that or not yet? If you haven't, it's Yeah. No. That that makes sense. And okay. Yeah. is is there yeah. There's a light. Is there have you guys got any recommended recommendations for a good accountant? Because, yeah, Yeah. mine normally Absolutely. only mine's normally only yeah. Just my my wages. Right? Because I don't have I Yep. don't have an investment portfolio at the moment. Don't have investment properties. So I've just been running it myself with just simple deductions. So that's also probably buys me some time for when I need to submit. So Yeah. No.","start_word":4935,"end_word":5096,"sentiment":"neutral","sentiment_score":0.02632065959573712},{"text":"Absolutely. Not a problem. I've actually got a really good account we can refer you through to.","start_word":5097,"end_word":5113,"sentiment":"positive","sentiment_score":0.5603686571121216},{"text":"yep. I normally do, like, a a bit of a welcome email that introduces you to him and him to you.","start_word":5114,"end_word":5134,"sentiment":"neutral","sentiment_score":0.24980400502681732},{"text":"His name's Steve. He's fantastic.","start_word":5135,"end_word":5139,"sentiment":"positive","sentiment_score":0.5552143454551697},{"text":"Are you comfortable if I do that introduction email? I'll probably do it first thing in the morning for you, which Yeah. That's fine. introduces you. And I provide him just some basic information for you and a bit of an idea of what you're after, and then he'll be in touch to book a time to meet you with an initial consultation and talk about what he can do and look at what you're after, and then Yeah. he'll kinda go from there. Is that okay? Yeah. That's fine. Yep.","start_word":5140,"end_word":5230,"sentiment":"neutral","sentiment_score":0.16624227166175842},{"text":"Fantastic. I'll get that email done first thing in the morning for you.","start_word":5231,"end_word":5243,"sentiment":"positive","sentiment_score":0.42090728878974915},{"text":"Not a problem at all.","start_word":5244,"end_word":5248,"sentiment":"neutral","sentiment_score":0.32385385036468506},{"text":"And, yeah, he's a great accountant. I think he's fantastic. He's a he's perfect.","start_word":5249,"end_word":5262,"sentiment":"positive","sentiment_score":0.5088635087013245},{"text":"You wanna nerd in your accountant, then he is it. Steve is it. He is That's just so it. knowledgeable. Awesome. No. It sounds good.","start_word":5263,"end_word":5287,"sentiment":"neutral","sentiment_score":0.20955055952072144},{"text":"Beautiful. Easy. Well, thank you so much. I'm glad you took some time to read the document.","start_word":5288,"end_word":5304,"sentiment":"positive","sentiment_score":0.4063515365123749},{"text":"I'll try to I know you are very busy, so I can try to do as much as I can by email for you as well just to make it a lot easier. I've kind of sat down with our team and gone, hey. Look. Not everyone's available on the phone all the time, especially family and kids and work. So we worked up a few ways to do a lot more via email if that helps you out well. Okay. No. That's great. And I look I I think that I made see. it easy and then I could ask questions beforehand. So that that was Yeah.","start_word":5305,"end_word":5412,"sentiment":"neutral","sentiment_score":0.14472682774066925},{"text":"really appreciated. So thank you. Not a not a problem at all, Matthew. Thank you so much for your time. I'll let you go to have a good night with the kids. I hope you have a restful evening and a good weekend ahead. Right. Thank you very much. You too.","start_word":5413,"end_word":5463,"sentiment":"positive","sentiment_score":0.6607376781164431},{"text":"No And worries. I hope I hope you Easy.","start_word":5464,"end_word":5472,"sentiment":"neutral","sentiment_score":0.2863175868988037},{"text":"have a great I'll time off. thank you so much. I'll get my team to focus on the email for you and make sure it comes out, And I'll also get that email done to the accountant's referral tomorrow for you as well.","start_word":5473,"end_word":5515,"sentiment":"positive","sentiment_score":0.4824352264404297},{"text":"Okay?","start_word":5516,"end_word":5516,"sentiment":"neutral","sentiment_score":0.23228678107261655},{"text":"Great. Thank you very much. My pleasure. Have a lovely evening. Thank you so much for taking my call. Thanks. You Thanks. too. See you later.","start_word":5517,"end_word":5542,"sentiment":"positive","sentiment_score":0.7324730753898621},{"text":"Bye. Bye.","start_word":5543,"end_word":5544,"sentiment":"neutral","sentiment_score":0.19037961959838867}],"average":{"sentiment":"neutral","sentiment_score":0.04140438776711099}}}}