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Is now still a good time there for you? Oh, 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? Beautiful. And just a little quick security check there for you just to confirm your full name, your date of birth, and address I should have on file there. Yep. Beautiful. Thank you so much for that. Darren, so I'm make making sure that I'm living up to the promises there, making sure we're doing other catch ups and things for you. I just wanted to kinda start and to see how everything's going for yourself at the moment. Yeah. Any big pay rises or any changes to your circumstances at all? Yep. Oh, nice. Mhmm. Yep. Yep. Perfect. I'll make a note of that. So we'll sort of look at that next year for you. Just having a look. So your annual review will be due around about March. Did you wanna do that about then, or did you want me to touch base earlier next year to talk about the salary sacrifice? Yep. Okay. Yep. No problem at all. Excellent. We sorta schedule the annual reviews out moving forward about sort of sixty days out. So my team will probably even give you a call maybe mid January to kinda book that in for you if that's gonna work for yourself. Yeah. Beautiful. To book a new review, and we'll talk about salary sacrifice. And you it's $70 gross that you've got extra new pay at the moment. Is that right? Yep. Beautiful. Fantastic. And what else has been going on? Any other changes? Anything exciting coming up? No. Yes. Well, hopefully hopefully, I I won't take up too much of your time. I do promise there. But no. Look. Honestly, everything is going really well. We the last piece of the advice there was that we had updated your portfolio. We'd removed any underperforming investments. And just to give you a bit of an update there, so the last rollover came through because we're rolling some money from CareSoup, and that all happened as of the twentieth to the fourth. Since then so looking the last three months of just sort of growth and income within the funds there, you've made 3.22% in the last three months. That's net of fees, and that's essentially the income and the growth within the fund there. Earnings wise, as a dollar figure, it's a bit over $7,400 in three months. So your portfolio has recovered nicely. We are seeing it continue to grow and compound a little bit. I just wanna sort of watch it over the next sort of three to six months there and see how that tracks towards the annual review time. But at the moment, everything is doing really well. That advice piece is, you know, all gone through nicely, and I'm happy with how things are tracking for you at the moment. No. No. That's okay. Did you want me to send you an email after the call with the report I've downloaded for you just so you can run your eyes over it as well and let me know if you do have additional questions at all? Yeah. Beautiful. Lovely. Is there anything otherwise that you had for me? Any questions you might need? Anything you want me to follow-up for you or research wise? No? No. That's okay. Yeah. Absolutely. Absolutely. As I promised last time, I'll be upfront and honest with you when things aren't working. When we need to maybe readjust things, I'll come out and let you know when the market's not performing. I'll be honest and stand in front of that for you. So I am really happy with where it's tracking. That piece of advice went through, and the market has been really nice. After that, your portfolio is working as I would sorta hope. We'll just kinda keep monitoring things. And, look, I do log in and have a look every, you know, couple of months to see what's happening, how it's tracking, and whether I need to maybe call you or make some changes. But I am honestly really happy with everything and looking forward to next year when we catch up again, and we'll talk about salary sacrifice and maybe update the advice to reflect and look at where we're tracking forward from that for you. Okay? Easy. Beautiful. Invest some more money? Yeah. Yeah. Fantastic. I'm glad you're receiving those. That's brilliant. If you ever do receive anything like that and you're a bit confused or concerned, you're welcome to let me know. I'm happy to take time to break it down, whether it be a phone call and email for you as well. Okay. Good. Yes. Yep. Yeah. Oh, good. Fantastic. Those do tend to come through whenever there is, like, a big change in the portfolio. So when we do sort of have excess cash, it needs to be invested or when we do need to buy and sell to kinda rebalance back a little bit. So there might be months where you don't get as many of those and months where you get more of them. But if you were ever concerned about what's happening, let me know because we definitely do sort of track everything, keep looking at everything. And, yeah, that just generates whenever there's money being reinvested. There might be a month where there's not a lot of cash, and we don't need to reinvest anything additional. So, yeah, that's all good. Beautiful. Well, thank you so much. I will let you go. I've got it noted down that we're gonna touch base again. My team will book you in at the end of January so that we can do your review around about February to make sure that everything is working and that we look at the salary sacrifice moving forward. And I'll send you an email very shortly with this portfolio report, so you're welcome to run your eyes over there as well. Okay? Not a problem at all. I really enjoyed talking to you, Darren. Thank you so much for taking my call. I know you're very busy, and I really appreciate it. Any anytime. Not a worry at all. I'll let you go to enjoy your day. Don't work too hard, and I'll talk to you again. I'll talk to you very soon. Easy. Will do. Thanks, Darren. Talk to you soon. See you later. 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Darren. It's Dana from OQ Financial. How are you this afternoon? I'm very well. Thank you.\n\nI had you booked in for a bit of a quick catch up this afternoon. Is now still a good time there for you? Oh, 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\nBeautiful. And just a little quick security check there for you just to confirm your full name, your date of birth, and address I should have on file there. Yep. Beautiful. Thank you so much for that.\n\nDarren, so I'm make making sure that I'm living up to the promises there, making sure we're doing other catch ups and things for you. I just wanted to kinda start and to see how everything's going for yourself at the moment. Yeah. Any big pay rises or any changes to your circumstances at all? Yep.\n\nOh, nice. Mhmm. Yep. Yep. Perfect.\n\nI'll make a note of that. So we'll sort of look at that next year for you. Just having a look. So your annual review will be due around about March. Did you wanna do that about then, or did you want me to touch base earlier next year to talk about the salary sacrifice?\n\nYep. Okay. Yep. No problem at all. Excellent.\n\nWe sorta schedule the annual reviews out moving forward about sort of sixty days out. So my team will probably even give you a call maybe mid January to kinda book that in for you if that's gonna work for yourself. Yeah. Beautiful. To book a new review, and we'll talk about salary sacrifice.\n\nAnd you it's $70 gross that you've got extra new pay at the moment. Is that right? Yep. Beautiful. Fantastic.\n\nAnd what else has been going on? Any other changes? Anything exciting coming up? No. Yes.\n\nWell, hopefully hopefully, I I won't take up too much of your time. I do promise there. But no. Look. Honestly, everything is going really well.\n\nWe the last piece of the advice there was that we had updated your portfolio. We'd removed any underperforming investments. And just to give you a bit of an update there, so the last rollover came through because we're rolling some money from CareSoup, and that all happened as of the twentieth to the fourth. Since then so looking the last three months of just sort of growth and income within the funds there, you've made 3.22% in the last three months. That's net of fees, and that's essentially the income and the growth within the fund there.\n\nEarnings wise, as a dollar figure, it's a bit over $7,400 in three months. So your portfolio has recovered nicely. We are seeing it continue to grow and compound a little bit. I just wanna sort of watch it over the next sort of three to six months there and see how that tracks towards the annual review time. But at the moment, everything is doing really well.\n\nThat advice piece is, you know, all gone through nicely, and I'm happy with how things are tracking for you at the moment. No. No. That's okay. Did you want me to send you an email after the call with the report I've downloaded for you just so you can run your eyes over it as well and let me know if you do have additional questions at all?\n\nYeah. Beautiful. Lovely. Is there anything otherwise that you had for me? Any questions you might need?\n\nAnything you want me to follow-up for you or research wise? No? No. That's okay. Yeah.\n\nAbsolutely. Absolutely. As I promised last time, I'll be upfront and honest with you when things aren't working. When we need to maybe readjust things, I'll come out and let you know when the market's not performing. I'll be honest and stand in front of that for you.\n\nSo I am really happy with where it's tracking. That piece of advice went through, and the market has been really nice. After that, your portfolio is working as I would sorta hope. We'll just kinda keep monitoring things. And, look, I do log in and have a look every, you know, couple of months to see what's happening, how it's tracking, and whether I need to maybe call you or make some changes.\n\nBut I am honestly really happy with everything and looking forward to next year when we catch up again, and we'll talk about salary sacrifice and maybe update the advice to reflect and look at where we're tracking forward from that for you. Okay? Easy. Beautiful. Invest some more money?\n\nYeah. Yeah. Fantastic. I'm glad you're receiving those. That's brilliant.\n\nIf you ever do receive anything like that and you're a bit confused or concerned, you're welcome to let me know. I'm happy to take time to break it down, whether it be a phone call and email for you as well. Okay. Good. Yes.\n\nYep. Yeah. Oh, good. Fantastic. Those do tend to come through whenever there is, like, a big change in the portfolio.\n\nSo when we do sort of have excess cash, it needs to be invested or when we do need to buy and sell to kinda rebalance back a little bit. So there might be months where you don't get as many of those and months where you get more of them. But if you were ever concerned about what's happening, let me know because we definitely do sort of track everything, keep looking at everything. And, yeah, that just generates whenever there's money being reinvested. There might be a month where there's not a lot of cash, and we don't need to reinvest anything additional.\n\nSo, yeah, that's all good. Beautiful. Well, thank you so much. I will let you go. I've got it noted down that we're gonna touch base again.\n\nMy team will book you in at the end of January so that we can do your review around about February to make sure that everything is working and that we look at the salary sacrifice moving forward. And I'll send you an email very shortly with this portfolio report, so you're welcome to run your eyes over there as well. Okay? Not a problem at all. I really enjoyed talking to you, Darren.\n\nThank you so much for taking my call. I know you're very busy, and I really appreciate it. Any anytime. Not a worry at all. I'll let you go to enjoy your day.\n\nDon't work too hard, and I'll talk to you again. I'll talk to you very soon. Easy. Will do. Thanks, Darren.\n\nTalk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Darren.","start":5.12,"end":5.92,"sentiment":"neutral","sentiment_score":0.11306344345211983},{"text":"It's Dana from OQ Financial.","start":5.92,"end":7.62,"sentiment":"neutral","sentiment_score":0.14824922382831573},{"text":"How are you this afternoon?","start":7.68,"end":8.82,"sentiment":"neutral","sentiment_score":0.2203257292509079},{"text":"I'm very well.","start":10.88,"end":11.759999,"sentiment":"positive","sentiment_score":0.6143862207730612},{"text":"Thank you.","start":11.759999,"end":12.32,"sentiment":"positive","sentiment_score":0.6999633312225342}],"sentiment":"neutral","sentiment_score":0.31247570453321233,"num_words":17,"start":5.12,"end":12.32},{"sentences":[{"text":"I had you booked in for a bit of a quick catch up this afternoon.","start":12.32,"end":15.067059,"sentiment":"neutral","sentiment_score":0.3260749280452728},{"text":"Is now still a good time there for you?","start":15.067059,"end":17.653236,"sentiment":"neutral","sentiment_score":0.2524803475373321},{"text":"Oh, fantastic.","start":17.653236,"end":18.227942,"sentiment":"positive","sentiment_score":0.5368545949459076},{"text":"Before I jump into the call, just to let you know we do record our calls for quality and training purposes.","start":18.515293,"end":24.549706,"sentiment":"neutral","sentiment_score":0.17482306134133113},{"text":"Are you happy for me to proceed with that?","start":24.549706,"end":27.135883,"sentiment":"neutral","sentiment_score":0.1648766775098112}],"sentiment":"neutral","sentiment_score":0.23914876114577055,"num_words":56,"start":12.32,"end":27.135883},{"sentences":[{"text":"Beautiful.","start":27.135883,"end":27.423237,"sentiment":"positive","sentiment_score":0.38488805294036865},{"text":"And just a little quick security check there for you just to confirm your full name, your date of birth, and address I should have on file there.","start":27.423237,"end":34.24,"sentiment":"neutral","sentiment_score":0.14719651719289167},{"text":"Yep.","start":37.34,"end":37.84,"sentiment":"neutral","sentiment_score":0.024163005873560905},{"text":"Beautiful.","start":42.06,"end":42.54,"sentiment":"positive","sentiment_score":0.532763659954071},{"text":"Thank you so much for that.","start":42.54,"end":44.175,"sentiment":"positive","sentiment_score":0.7125604450702667}],"sentiment":"neutral","sentiment_score":0.2523967532592045,"num_words":37,"start":27.135883,"end":44.175},{"sentences":[{"text":"Darren, so I'm make making sure that I'm living up to the promises there, making sure we're doing other catch ups and things for you.","start":44.655,"end":50.995,"sentiment":"positive","sentiment_score":0.5267565596103668},{"text":"I just wanted to kinda start and to see how everything's going for yourself at the moment.","start":51.295,"end":55.394997,"sentiment":"neutral","sentiment_score":0.29609821298543143},{"text":"Yeah.","start":58.440002,"end":58.68,"sentiment":"neutral","sentiment_score":-0.01150561310350895},{"text":"Any big pay rises or any changes to your circumstances at all?","start":58.68,"end":62.7,"sentiment":"neutral","sentiment_score":-0.036099618300795555},{"text":"Yep.","start":68.84,"end":69.34,"sentiment":"neutral","sentiment_score":0.02521812729537487}],"sentiment":"neutral","sentiment_score":0.31755536974274684,"num_words":56,"start":44.655,"end":69.34},{"sentences":[{"text":"Oh, nice.","start":71.08,"end":71.98,"sentiment":"neutral","sentiment_score":0.13459456712007523},{"text":"Mhmm.","start":85.725,"end":86.16,"sentiment":"neutral","sentiment_score":-0.0401981882750988},{"text":"Yep.","start":88.48,"end":88.8,"sentiment":"neutral","sentiment_score":0.06661836057901382},{"text":"Yep.","start":88.8,"end":89.200005,"sentiment":"neutral","sentiment_score":0.12777858972549438},{"text":"Perfect.","start":89.200005,"end":89.68,"sentiment":"positive","sentiment_score":0.36673158407211304}],"sentiment":"neutral","sentiment_score":0.13168658005694547,"num_words":6,"start":71.08,"end":89.68},{"sentences":[{"text":"I'll make a note of that.","start":89.68,"end":90.72,"sentiment":"neutral","sentiment_score":0.27574779589970905},{"text":"So we'll sort of look at that next year for you.","start":90.72,"end":93.46001,"sentiment":"neutral","sentiment_score":0.2104791741479527},{"text":"Just having a look.","start":94.240005,"end":95.200005,"sentiment":"neutral","sentiment_score":0.06617141980677843},{"text":"So your annual review will be due around about March.","start":95.200005,"end":98.295,"sentiment":"neutral","sentiment_score":0.027544277533888818},{"text":"Did you wanna do that about then, or did you want me to touch base earlier next year to talk about the salary sacrifice?","start":98.295,"end":104.235,"sentiment":"neutral","sentiment_score":0.015939645973655086}],"sentiment":"neutral","sentiment_score":0.08895341179926287,"num_words":55,"start":89.68,"end":104.235},{"sentences":[{"text":"Yep.","start":107.975,"end":108.475,"sentiment":"neutral","sentiment_score":-0.07420015335083008},{"text":"Okay.","start":115.59,"end":116.09,"sentiment":"neutral","sentiment_score":-0.02098867669701576},{"text":"Yep.","start":121.35,"end":121.75,"sentiment":"neutral","sentiment_score":0.10409514605998992},{"text":"No problem at all.","start":121.75,"end":122.71,"sentiment":"positive","sentiment_score":0.34509509801864624},{"text":"Excellent.","start":122.71,"end":123.189995,"sentiment":"positive","sentiment_score":0.7143818140029907}],"sentiment":"neutral","sentiment_score":0.26295856526121497,"num_words":8,"start":107.975,"end":123.189995},{"sentences":[{"text":"We sorta schedule the annual reviews out moving forward about sort of sixty days out.","start":123.189995,"end":127.915,"sentiment":"positive","sentiment_score":0.4399865428606669},{"text":"So my team will probably even give you a call maybe mid January to kinda book that in for you if that's gonna work for yourself.","start":127.915,"end":135.775,"sentiment":"positive","sentiment_score":0.33619661170702714},{"text":"Yeah.","start":137.93,"end":138.40999,"sentiment":"positive","sentiment_score":0.3773801624774933},{"text":"Beautiful.","start":138.40999,"end":138.90999,"sentiment":"positive","sentiment_score":0.6228381395339966},{"text":"To book a new review, and we'll talk about salary sacrifice.","start":139.53,"end":143.31,"sentiment":"neutral","sentiment_score":0.23620089346712286}],"sentiment":"positive","sentiment_score":0.35072848476745466,"num_words":54,"start":123.189995,"end":143.31},{"sentences":[{"text":"And you it's $70 gross that you've got extra new pay at the moment.","start":143.45,"end":147.84999,"sentiment":"neutral","sentiment_score":0.1390665705714907},{"text":"Is that right?","start":147.84999,"end":148.67,"sentiment":"neutral","sentiment_score":0.10681632657845815},{"text":"Yep.","start":149.71501,"end":150.035,"sentiment":"neutral","sentiment_score":0.146442249417305},{"text":"Beautiful.","start":150.035,"end":150.535,"sentiment":"positive","sentiment_score":0.6325487494468689},{"text":"Fantastic.","start":150.91501,"end":151.41501,"sentiment":"positive","sentiment_score":0.6157853603363037}],"sentiment":"neutral","sentiment_score":0.1831078663468361,"num_words":20,"start":143.45,"end":151.41501},{"sentences":[{"text":"And what else has been going on?","start":151.79501,"end":153.155,"sentiment":"neutral","sentiment_score":0.17001103184052876},{"text":"Any other changes?","start":153.155,"end":154.035,"sentiment":"neutral","sentiment_score":0.07345487674077351},{"text":"Anything exciting coming up?","start":154.035,"end":155.735,"sentiment":"neutral","sentiment_score":0.04940209351480007},{"text":"No.","start":157.155,"end":157.655,"sentiment":"neutral","sentiment_score":-0.1626463383436203},{"text":"Yes.","start":163.315,"end":163.8,"sentiment":"neutral","sentiment_score":0.01733708381652832}],"sentiment":"neutral","sentiment_score":0.09142131078988314,"num_words":16,"start":151.79501,"end":163.8},{"sentences":[{"text":"Well, hopefully hopefully, I I won't take up too much of your time.","start":169.8,"end":173.48,"sentiment":"neutral","sentiment_score":-0.10923135438217567},{"text":"I do promise there.","start":173.48,"end":174.44,"sentiment":"neutral","sentiment_score":-0.10681440494954586},{"text":"But no.","start":174.44,"end":175.08,"sentiment":"neutral","sentiment_score":-0.1124119833111763},{"text":"Look.","start":175.08,"end":175.24,"sentiment":"neutral","sentiment_score":-0.05611573159694672},{"text":"Honestly, everything is going really well.","start":175.24,"end":177.205,"sentiment":"neutral","sentiment_score":0.17710684899551174}],"sentiment":"neutral","sentiment_score":-0.04098322426971908,"num_words":26,"start":169.8,"end":177.205},{"sentences":[{"text":"We the last piece of the advice there was that we had updated your portfolio.","start":177.205,"end":180.985,"sentiment":"neutral","sentiment_score":0.052319684500495595},{"text":"We'd removed any underperforming investments.","start":181.045,"end":183.305,"sentiment":"neutral","sentiment_score":-0.029289351403713228},{"text":"And just to give you a bit of an update there, so the last rollover came through because we're rolling some money from CareSoup, and that all happened as of the twentieth to the fourth.","start":184.405,"end":194.09,"sentiment":"neutral","sentiment_score":0.03638831770845822},{"text":"Since then so looking the last three months of just sort of growth and income within the funds there, you've made 3.22% in the last three months.","start":194.31,"end":203.91,"sentiment":"neutral","sentiment_score":0.14151353609782677},{"text":"That's net of fees, and that's essentially the income and the growth within the fund there.","start":203.91,"end":208.575,"sentiment":"neutral","sentiment_score":0.18378019612282515}],"sentiment":"neutral","sentiment_score":0.08850294125399419,"num_words":98,"start":177.205,"end":208.575},{"sentences":[{"text":"Earnings wise, as a dollar figure, it's a bit over $7,400 in three months.","start":208.875,"end":213.515,"sentiment":"neutral","sentiment_score":0.19436651042529515},{"text":"So your portfolio has recovered nicely.","start":213.515,"end":215.83499,"sentiment":"positive","sentiment_score":0.5771310875813166},{"text":"We are seeing it continue to grow and compound a little bit.","start":215.83499,"end":219.275,"sentiment":"positive","sentiment_score":0.5835463056961695},{"text":"I just wanna sort of watch it over the next sort of three to six months there and see how that tracks towards the annual review time.","start":219.275,"end":225.73001,"sentiment":"neutral","sentiment_score":0.19654584262106153},{"text":"But at the moment, everything is doing really well.","start":226.19,"end":228.99,"sentiment":"positive","sentiment_score":0.49770992000897724}],"sentiment":"positive","sentiment_score":0.33783235839184594,"num_words":68,"start":208.875,"end":228.99},{"sentences":[{"text":"That advice piece is, you know, all gone through nicely, and I'm happy with how things are tracking for you at the moment.","start":228.99,"end":235.13501,"sentiment":"positive","sentiment_score":0.751259472059167},{"text":"No.","start":238.475,"end":238.975,"sentiment":"neutral","sentiment_score":-0.12756609916687012},{"text":"No.","start":241.595,"end":242.07501,"sentiment":"neutral","sentiment_score":-0.054455213248729706},{"text":"That's okay.","start":242.07501,"end":243.05501,"sentiment":"neutral","sentiment_score":0.02075679670087993},{"text":"Did you want me to send you an email after the call with the report I've downloaded for you just so you can run your eyes over it as well and let me know if you do have additional questions at all?","start":243.115,"end":251.8,"sentiment":"neutral","sentiment_score":0.0672073925268792}],"sentiment":"neutral","sentiment_score":0.28929232789095544,"num_words":69,"start":228.99,"end":251.8},{"sentences":[{"text":"Yeah.","start":253.78,"end":254.26,"sentiment":"neutral","sentiment_score":0.22288084030151367},{"text":"Beautiful.","start":254.26,"end":254.76,"sentiment":"positive","sentiment_score":0.5854915380477905},{"text":"Lovely.","start":255.06,"end":255.56,"sentiment":"positive","sentiment_score":0.514358639717102},{"text":"Is there anything otherwise that you had for me?","start":255.78,"end":258.66,"sentiment":"neutral","sentiment_score":0.13318412916527855},{"text":"Any questions you might need?","start":258.66,"end":259.86,"sentiment":"neutral","sentiment_score":0.061835014075040814}],"sentiment":"neutral","sentiment_score":0.16650372064288924,"num_words":17,"start":253.78,"end":259.86},{"sentences":[{"text":"Anything you want me to follow-up for you or research wise?","start":259.86,"end":264.165,"sentiment":"neutral","sentiment_score":0.019942478361454876},{"text":"No?","start":265.105,"end":265.605,"sentiment":"neutral","sentiment_score":-0.06478160619735718},{"text":"No.","start":266.065,"end":266.385,"sentiment":"neutral","sentiment_score":-0.09049002081155776},{"text":"That's okay.","start":266.385,"end":267.20502,"sentiment":"neutral","sentiment_score":0.031004387885332108},{"text":"Yeah.","start":270.385,"end":270.785,"sentiment":"neutral","sentiment_score":0.1644345074892044}],"sentiment":"neutral","sentiment_score":0.018158682389184833,"num_words":16,"start":259.86,"end":270.785},{"sentences":[{"text":"Absolutely.","start":270.785,"end":271.285,"sentiment":"neutral","sentiment_score":0.21196624636650083},{"text":"Absolutely.","start":271.905,"end":272.405,"sentiment":"neutral","sentiment_score":0.07526800036430359},{"text":"As I promised last time, I'll be upfront and honest with you when things aren't working.","start":272.625,"end":276.25,"sentiment":"neutral","sentiment_score":-0.07386226975359023},{"text":"When we need to maybe readjust things, I'll come out and let you know when the market's not performing.","start":276.25,"end":280.49002,"sentiment":"neutral","sentiment_score":-0.0747349658294728},{"text":"I'll be honest and stand in front of that for you.","start":280.49002,"end":282.65,"sentiment":"neutral","sentiment_score":0.2051093795082786}],"sentiment":"neutral","sentiment_score":-0.0012150676144907873,"num_words":48,"start":270.785,"end":282.65},{"sentences":[{"text":"So I am really happy with where it's tracking.","start":282.65,"end":285.23,"sentiment":"positive","sentiment_score":0.7091005775663588},{"text":"That piece of advice went through, and the market has been really nice.","start":285.69,"end":289.21,"sentiment":"positive","sentiment_score":0.7730277730868413},{"text":"After that, your portfolio is working as I would sorta hope.","start":289.21,"end":292.995,"sentiment":"positive","sentiment_score":0.4821019308133559},{"text":"We'll just kinda keep monitoring things.","start":293.375,"end":295.135,"sentiment":"positive","sentiment_score":0.36179687082767487},{"text":"And, look, I do log in and have a look every, you know, couple of months to see what's happening, how it's tracking, and whether I need to maybe call you or make some changes.","start":295.135,"end":302.915,"sentiment":"neutral","sentiment_score":0.20973715271268573}],"sentiment":"positive","sentiment_score":0.422242825095718,"num_words":74,"start":282.65,"end":302.915},{"sentences":[{"text":"But I am honestly really happy with everything and looking forward to next year when we catch up again, and we'll talk about salary sacrifice and maybe update the advice to reflect and look at where we're tracking forward from that for you.","start":303.535,"end":315.25,"sentiment":"positive","sentiment_score":0.44827932327292686},{"text":"Okay?","start":315.31,"end":315.81,"sentiment":"neutral","sentiment_score":0.10358315706253052},{"text":"Easy.","start":318.11,"end":318.61,"sentiment":"neutral","sentiment_score":0.1669970452785492},{"text":"Beautiful.","start":323.345,"end":323.845,"sentiment":"neutral","sentiment_score":0.08747472614049911},{"text":"Invest some more money?","start":327.025,"end":328.245,"sentiment":"neutral","sentiment_score":0.01399530516937375}],"sentiment":"positive","sentiment_score":0.3938009409978986,"num_words":50,"start":303.535,"end":328.245},{"sentences":[{"text":"Yeah.","start":328.865,"end":329.365,"sentiment":"neutral","sentiment_score":0.03911225125193596},{"text":"Yeah.","start":329.905,"end":330.405,"sentiment":"neutral","sentiment_score":0.16467945277690887},{"text":"Fantastic.","start":332.86,"end":333.36,"sentiment":"positive","sentiment_score":0.7387076020240784},{"text":"I'm glad you're receiving those.","start":333.41998,"end":334.86,"sentiment":"positive","sentiment_score":0.6873522400856018},{"text":"That's brilliant.","start":334.86,"end":335.5,"sentiment":"positive","sentiment_score":0.7080999910831451}],"sentiment":"positive","sentiment_score":0.5795460488647223,"num_words":10,"start":328.865,"end":335.5},{"sentences":[{"text":"If you ever do receive anything like that and you're a bit confused or concerned, you're welcome to let me know.","start":335.5,"end":339.9,"sentiment":"neutral","sentiment_score":0.15036465795267195},{"text":"I'm happy to take time to break it down, whether it be a phone call and email for you as well.","start":339.9,"end":344.62,"sentiment":"neutral","sentiment_score":0.23441803796837726},{"text":"Okay.","start":344.62,"end":345.12,"sentiment":"neutral","sentiment_score":0.038290347903966904},{"text":"Good.","start":346.745,"end":347.245,"sentiment":"neutral","sentiment_score":0.18209168314933777},{"text":"Yes.","start":350.185,"end":350.685,"sentiment":"neutral","sentiment_score":0.09466676414012908}],"sentiment":"neutral","sentiment_score":0.1865663424341215,"num_words":45,"start":335.5,"end":350.685},{"sentences":[{"text":"Yep.","start":351.54498,"end":352.04498,"sentiment":"neutral","sentiment_score":0.09009446203708649},{"text":"Yeah.","start":354.66498,"end":355.16498,"sentiment":"neutral","sentiment_score":0.03178941458463669},{"text":"Oh, good.","start":358.905,"end":359.81,"sentiment":"positive","sentiment_score":0.36798954755067825},{"text":"Fantastic.","start":359.81,"end":360.31,"sentiment":"positive","sentiment_score":0.7281858921051025},{"text":"Those do tend to come through whenever there is, like, a big change in the portfolio.","start":361.09,"end":365.19,"sentiment":"neutral","sentiment_score":0.27622042410075665}],"sentiment":"neutral","sentiment_score":0.2859797928304899,"num_words":21,"start":351.54498,"end":365.19},{"sentences":[{"text":"So when we do sort of have excess cash, it needs to be invested or when we do need to buy and sell to kinda rebalance back a little bit.","start":365.33,"end":372.13,"sentiment":"neutral","sentiment_score":0.14024580493569375},{"text":"So there might be months where you don't get as many of those and months where you get more of them.","start":372.13,"end":377.055,"sentiment":"neutral","sentiment_score":0.08862427959129923},{"text":"But if you were ever concerned about what's happening, let me know because we definitely do sort of track everything, keep looking at everything.","start":377.115,"end":383.775,"sentiment":"neutral","sentiment_score":0.19499944429844618},{"text":"And, yeah, that just generates whenever there's money being reinvested.","start":384.155,"end":387.49,"sentiment":"neutral","sentiment_score":0.2179092213511467},{"text":"There might be a month where there's not a lot of cash, and we don't need to reinvest anything additional.","start":387.63,"end":391.95,"sentiment":"neutral","sentiment_score":0.20423703864216805}],"sentiment":"neutral","sentiment_score":0.16202193970481554,"num_words":105,"start":365.33,"end":391.95},{"sentences":[{"text":"So, yeah, that's all good.","start":391.95,"end":394.53,"sentiment":"positive","sentiment_score":0.5573799312114716},{"text":"Beautiful.","start":396.59,"end":397.005,"sentiment":"positive","sentiment_score":0.6236484050750732},{"text":"Well, thank you so much.","start":397.325,"end":398.685,"sentiment":"positive","sentiment_score":0.5472309231758118},{"text":"I will let you go.","start":398.685,"end":399.64502,"sentiment":"neutral","sentiment_score":0.30789518654346465},{"text":"I've got it noted down that we're gonna touch base again.","start":399.64502,"end":402.305,"sentiment":"neutral","sentiment_score":0.23019324378533798}],"sentiment":"positive","sentiment_score":0.37845571449509374,"num_words":27,"start":391.95,"end":402.305},{"sentences":[{"text":"My team will book you in at the end of January so that we can do your review around about February to make sure that everything is working and that we look at the salary sacrifice moving forward.","start":402.605,"end":412.14502,"sentiment":"neutral","sentiment_score":0.21561058375396228},{"text":"And I'll send you an email very shortly with this portfolio report, so you're welcome to run your eyes over there as well.","start":413.05002,"end":419.13,"sentiment":"neutral","sentiment_score":0.18388490054918372},{"text":"Okay?","start":419.13,"end":419.63,"sentiment":"neutral","sentiment_score":0.064771868288517},{"text":"Not a problem at all.","start":422.49002,"end":423.53,"sentiment":"neutral","sentiment_score":0.28043465614318847},{"text":"I really enjoyed talking to you, Darren.","start":423.53,"end":425.21002,"sentiment":"positive","sentiment_score":0.5304933999265943}],"sentiment":"neutral","sentiment_score":0.23787775464557312,"num_words":74,"start":402.605,"end":425.21002},{"sentences":[{"text":"Thank you so much for taking my call.","start":425.21002,"end":427.01498,"sentiment":"positive","sentiment_score":0.4907463453710079},{"text":"I know you're very busy, and I really appreciate it.","start":427.01498,"end":429.675,"sentiment":"neutral","sentiment_score":0.24575362652540206},{"text":"Any 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Darren.","start":447.47,"end":448.27,"sentiment":"positive","sentiment_score":0.8082095682621002}],"sentiment":"neutral","sentiment_score":0.2178782338187808,"num_words":21,"start":438.055,"end":448.27},{"sentences":[{"text":"Talk to you soon.","start":448.27,"end":449.07,"sentiment":"positive","sentiment_score":0.6555763781070709},{"text":"See you later.","start":449.07,"end":449.89,"sentiment":"positive","sentiment_score":0.49338356653849286},{"text":"Bye.","start":450.27,"end":450.77,"sentiment":"neutral","sentiment_score":-0.12256940454244614}],"sentiment":"positive","sentiment_score":0.4974858509376645,"num_words":8,"start":448.27,"end":450.77}]}}]},{"alternatives":[{"transcript":"Hello? Good day. How are you? Yeah. That's fine. Yeah. That's fine. Darren Anthony Edwards. First of 1st 71. 6 Niagara Way In Werribee 3030. O. Mhmm. Hey. It's going alright. I can't complain. Yeah. I've got a pay rise it'd be a couple of months ago now. It was $70 gross gross a week. Yeah. So I'm I can't complain about that. I'm probably gonna look probably early next year or by the time we do our next follow-up, just look at salary sacrificing that pay rise. Yep. Yeah. Probably probably towards the end of Feb because I'm away I'm away at the end of March. So so, yeah, end of Feb, early March will probably work better. Yeah. That should work. That's fine. Yep. That's right. No. Not really. Just working away. Coming I'm coming up to my busiest time of year, so I'm sort of semi doing doing a a quote for you doing a quote while I'm talking to you. So no. You're alright. Yep. Oh, I can't complain if you can't, so that's good. I must admit I haven't I I haven't checked my super in a while. So Yeah. That'll that'll be fine. No. Not really. Not as as as long as you're happy with everything, then I'm happy with everything. So Yep. Yep. Alright. No. That's fine. If I I I'm I'm not if I had I do get the email notifications of when you ship port ship stuff out and do a bit bit of work. Yep. So that that's nice to know. So I can't complain about that. So No. I I when I get those, I'll look at it and I go, well, you so You're being active on the account. It's being looked at, and it's all I asked for because I hadn't had any of those emails for a long time prior prior to you taking over. So that's that's not a problem at all. That that works for me. No. Thank you, Dana. I appreciate it. No. Thank you. I I appreciate you giving me taking the time to give me a call. That's great. Thank you. I'll I'll try not to. No worries. You take care. 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Good day. How are you? Yeah. That's fine.\n\nYeah. That's fine. Darren Anthony Edwards. First of 1st 71. 6 Niagara Way In Werribee 3030.\n\nO. Mhmm. Hey. It's going alright. I can't complain.\n\nYeah. I've got a pay rise it'd be a couple of months ago now. It was $70 gross gross a week. Yeah. So I'm I can't complain about that.\n\nI'm probably gonna look probably early next year or by the time we do our next follow-up, just look at salary sacrificing that pay rise. Yep. Yeah. Probably probably towards the end of Feb because I'm away I'm away at the end of March. So so, yeah, end of Feb, early March will probably work better.\n\nYeah. That should work. That's fine. Yep. That's right.\n\nNo. Not really. Just working away. Coming I'm coming up to my busiest time of year, so I'm sort of semi doing doing a a quote for you doing a quote while I'm talking to you. So no.\n\nYou're alright. Yep. Oh, I can't complain if you can't, so that's good. I must admit I haven't I I haven't checked my super in a while. So Yeah.\n\nThat'll that'll be fine. No. Not really. Not as as as long as you're happy with everything, then I'm happy with everything. So Yep.\n\nYep. Alright. No. That's fine. If I I I'm I'm not if I had I do get the email notifications of when you ship port ship stuff out and do a bit bit of work.\n\nYep. So that that's nice to know. So I can't complain about that. So No. I I when I get those, I'll look at it and I go, well, you so You're being active on the account.\n\nIt's being looked at, and it's all I asked for because I hadn't had any of those emails for a long time prior prior to you taking over. So that's that's not a problem at all. That that works for me. No. Thank you, Dana.\n\nI appreciate it. No. Thank you. I I appreciate you giving me taking the time to give me a call. That's great.\n\nThank you. I'll I'll try not to. No worries. You take care. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.76,"end":4.26,"sentiment":"neutral","sentiment_score":0.027703002095222473},{"text":"Good day.","start":9.12,"end":9.679999,"sentiment":"positive","sentiment_score":0.4205130636692047},{"text":"How are you?","start":9.679999,"end":10.58,"sentiment":"neutral","sentiment_score":0.29485368728637695},{"text":"Yeah.","start":16.895,"end":17.135,"sentiment":"neutral","sentiment_score":0.11528360843658449},{"text":"That's fine.","start":17.135,"end":17.875,"sentiment":"neutral","sentiment_score":0.13213055953383446}],"sentiment":"neutral","sentiment_score":0.23698165764411291,"num_words":9,"start":3.76,"end":17.875},{"sentences":[{"text":"Yeah.","start":25.775,"end":26.015,"sentiment":"neutral","sentiment_score":0.11835648119449615},{"text":"That's fine.","start":26.015,"end":26.67,"sentiment":"neutral","sentiment_score":0.1234002448618412},{"text":"Darren Anthony 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probably gonna look probably early next year or by the time we do our next follow-up, just look at salary sacrificing that pay rise.","start":76.505,"end":88.03,"sentiment":"neutral","sentiment_score":-0.0070779681950807576},{"text":"Yep.","start":93.770004,"end":94.270004,"sentiment":"neutral","sentiment_score":0.09040959179401398},{"text":"Yeah.","start":103.915,"end":104.415,"sentiment":"neutral","sentiment_score":-0.02111368626356125},{"text":"Probably probably towards the end of Feb because I'm away I'm away at the end of March.","start":104.795,"end":114.78,"sentiment":"neutral","sentiment_score":-0.13777338494272792},{"text":"So so, yeah, end of Feb, early March will probably work 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Yep.","start":270.175,"end":283.36,"sentiment":"neutral","sentiment_score":0.27241066098213196}],"sentiment":"neutral","sentiment_score":0.16493595313901702,"num_words":24,"start":252.17001,"end":283.36},{"sentences":[{"text":"Yep.","start":303.275,"end":303.775,"sentiment":"neutral","sentiment_score":0.2912328541278839},{"text":"Alright.","start":315.55,"end":316.05,"sentiment":"neutral","sentiment_score":0.06207144260406494},{"text":"No.","start":316.11,"end":316.35,"sentiment":"neutral","sentiment_score":0.051952771842479706},{"text":"That's fine.","start":316.35,"end":317.09,"sentiment":"neutral","sentiment_score":0.12477239593863487},{"text":"If I I I'm I'm not if I had I do get the email notifications of when you ship port ship stuff out and do a bit bit of 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Dana.","start":420.05002,"end":421.09003,"sentiment":"neutral","sentiment_score":0.22835982342561087}],"sentiment":"neutral","sentiment_score":0.1407489196707805,"num_words":45,"start":350.005,"end":421.09003},{"sentences":[{"text":"I appreciate it.","start":421.09003,"end":422.23,"sentiment":"positive","sentiment_score":0.3441474835077922},{"text":"No.","start":429.61502,"end":429.855,"sentiment":"neutral","sentiment_score":0.04585209861397743},{"text":"Thank you.","start":429.855,"end":430.575,"sentiment":"neutral","sentiment_score":0.13866746425628662},{"text":"I I appreciate you giving me taking the time to give me a call.","start":430.575,"end":433.375,"sentiment":"neutral","sentiment_score":0.30048653376953943},{"text":"That's great.","start":433.375,"end":433.935,"sentiment":"positive","sentiment_score":0.4192726612091065}],"sentiment":"neutral","sentiment_score":0.2909539214928042,"num_words":22,"start":421.09003,"end":433.935},{"sentences":[{"text":"Thank you.","start":433.935,"end":434.67502,"sentiment":"neutral","sentiment_score":0.2666968032717705},{"text":"I'll I'll try not to.","start":439.77502,"end":441.23502,"sentiment":"neutral","sentiment_score":0.04616955667734146},{"text":"No worries.","start":445.12,"end":445.68,"sentiment":"positive","sentiment_score":0.581057071685791},{"text":"You take care.","start":445.68,"end":446.66,"sentiment":"positive","sentiment_score":0.6709957917531332},{"text":"Bye.","start":449.44,"end":449.94,"sentiment":"neutral","sentiment_score":0.2766092121601105}],"sentiment":"neutral","sentiment_score":0.3243040092862569,"num_words":13,"start":433.935,"end":449.94}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Darren. It's Dana from OQ Financial. How are you this afternoon?\n\nChannel 1: Good day. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in for a bit of a quick catch up this afternoon. Is now still a good time there\n\nChannel 1: Yeah.\n\nChannel 0: for\n\nChannel 1: That's\n\nChannel 0: you?\n\nChannel 1: fine.\n\nChannel 0: Oh, 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\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: That's\n\nChannel 0: proceed\n\nChannel 1: fine.\n\nChannel 0: with that? Beautiful. And just a little quick security check there for you just to confirm your full name, your date of birth, and address I should have on file there.\n\nChannel 1: Darren Anthony Edwards. First of\n\nChannel 0: Yep.\n\nChannel 1: 1st 71. 6 Niagara Way In Werribee 3030.\n\nChannel 0: Beautiful. Thank you so much for that. Darren, so I'm make making sure that I'm living up to the promises there, making sure we're doing other catch ups and things for you. I just wanted to kinda start and to see how everything's going for yourself at the moment.\n\nChannel 1: O. Mhmm. Hey. It's going alright. I can't complain.\n\nChannel 0: Yeah. Any big pay rises or any changes to your circumstances at all?\n\nChannel 1: Yeah. I've got a pay rise it'd be a couple of months ago now. It was $70\n\nChannel 0: Yep.\n\nChannel 1: gross gross a week.\n\nChannel 0: Oh, nice.\n\nChannel 1: Yeah. So I'm I can't complain about that. I'm probably gonna look probably early next year or by the time we do our next follow-up, just look at\n\nChannel 0: Mhmm.\n\nChannel 1: salary sacrificing that pay rise.\n\nChannel 0: Yep. Yep. Perfect. I'll make a note of that. So we'll sort of look at that next year for you.\n\nChannel 1: Yep.\n\nChannel 0: Just having a look. So your annual review will be due around about March. Did you wanna do that about then, or did you want me to touch base earlier next year to talk about the salary sacrifice?\n\nChannel 1: Yeah. Probably probably towards the end of Feb\n\nChannel 0: Yep.\n\nChannel 1: because I'm away I'm away at the end of March. So\n\nChannel 0: Okay.\n\nChannel 1: so, yeah, end of Feb, early March will probably work better.\n\nChannel 0: Yep. No problem at all. Excellent. We sorta schedule the annual reviews out moving forward about sort of sixty days out. So my team will probably even give you a call maybe mid January to kinda book that in for you if that's gonna work for yourself.\n\nChannel 1: Yeah. That should work. That's fine.\n\nChannel 0: Yeah. Beautiful. To book a new review, and we'll talk about salary sacrifice. And you it's $70 gross that you've got extra new pay at the moment. Is that right?\n\nChannel 1: Yep. That's\n\nChannel 0: Yep.\n\nChannel 1: right.\n\nChannel 0: Beautiful. Fantastic. And what else has been going on? Any other changes? Anything exciting coming up?\n\nChannel 1: No. Not really.\n\nChannel 0: No.\n\nChannel 1: Just working away. Coming I'm coming up to my busiest time of year, so I'm sort of semi\n\nChannel 0: Yes.\n\nChannel 1: doing doing a a quote for you doing a quote while I'm talking to you. So\n\nChannel 0: Well, hopefully hopefully, I I won't take up too much of your time. I\n\nChannel 1: no.\n\nChannel 0: do promise\n\nChannel 1: You're alright.\n\nChannel 0: there. But no. Look. Honestly, everything is going really well. We the last piece of the advice there was that we had updated your portfolio.\n\nWe'd removed any underperforming investments. And just to give you a bit of an update there, so the last rollover came through because we're rolling some money from CareSoup, and that all happened as of the twentieth to the fourth. Since\n\nChannel 1: Yep.\n\nChannel 0: then so looking the last three months of just sort of growth and income within the funds there, you've made 3.22% in the last three months. That's net of fees, and that's essentially the income and the growth within the fund there. Earnings wise, as a dollar figure, it's a bit over $7,400 in three months. So your portfolio has recovered nicely. We are seeing it continue to grow and compound a little bit.\n\nI just wanna sort of watch it over the next sort of three to six months there and see how that tracks towards the annual review time. But at the moment, everything is doing really well. That advice piece is, you know, all gone through nicely, and I'm happy with how things are tracking for you at the moment.\n\nChannel 1: Oh, I can't complain if you can't, so that's good. I must\n\nChannel 0: No.\n\nChannel 1: admit I haven't I I haven't checked my super in a while. So\n\nChannel 0: No. That's okay. Did you want me to send you an email after the call with the report I've downloaded for you just so you can run your eyes over it as well and let me know if you do have additional questions at all?\n\nChannel 1: Yeah. That'll that'll be fine.\n\nChannel 0: Yeah. Beautiful. Lovely. Is there anything otherwise that you had for me? Any questions you might need?\n\nAnything you want me to follow-up for you or research\n\nChannel 1: No.\n\nChannel 0: wise?\n\nChannel 1: Not really.\n\nChannel 0: No?\n\nChannel 1: Not\n\nChannel 0: No. That's okay.\n\nChannel 1: as as as long as you're happy with everything, then I'm happy with everything. So\n\nChannel 0: Yeah. Absolutely. Absolutely. As I promised last time, I'll be upfront and honest with you when things aren't working. When we need to maybe readjust things, I'll come out and let you know when the market's not performing.\n\nI'll be honest and stand in front of that for you. So\n\nChannel 1: Yep.\n\nChannel 0: I am really happy with where it's tracking. That piece of advice went through, and the market has been really nice. After that, your portfolio is working as I would sorta hope. We'll just kinda keep monitoring things. And, look, I do log in and have a look every, you know, couple of months to see what's happening, how it's tracking, and whether I need to maybe call you or make some changes.\n\nChannel 1: Yep.\n\nChannel 0: But I am honestly really happy with everything and looking forward to next year when we catch up again, and we'll talk about salary sacrifice and maybe update the advice to reflect and look at where we're tracking forward from that for you. Okay?\n\nChannel 1: Alright. No. That's fine.\n\nChannel 0: Easy.\n\nChannel 1: If I I I'm I'm not if I had I do get the email notifications of when you\n\nChannel 0: Beautiful.\n\nChannel 1: ship port ship stuff out and do a\n\nChannel 0: Invest\n\nChannel 1: bit bit\n\nChannel 0: some\n\nChannel 1: of\n\nChannel 0: more\n\nChannel 1: work.\n\nChannel 0: money?\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: So that that's\n\nChannel 0: Yeah.\n\nChannel 1: nice to know. So I can't complain about that. So\n\nChannel 0: Fantastic. I'm glad you're receiving those. That's brilliant. If you ever do receive anything like that and you're a bit confused or concerned, you're welcome to let me know. I'm happy to take time to break it down, whether it be a phone call and email for you as\n\nChannel 1: No.\n\nChannel 0: well.\n\nChannel 1: I\n\nChannel 0: Okay.\n\nChannel 1: I when I get those, I'll look at it\n\nChannel 0: Good.\n\nChannel 1: and I go, well, you so You're being active on the account. It's\n\nChannel 0: Yes.\n\nChannel 1: being looked at, and it's all I\n\nChannel 0: Yep.\n\nChannel 1: asked for because I hadn't had any of those emails for\n\nChannel 0: Yeah.\n\nChannel 1: a long time prior prior to you taking over. So that's that's not a problem\n\nChannel 0: Oh,\n\nChannel 1: at all.\n\nChannel 0: good. Fantastic. Those do tend to come through whenever there is, like, a big change in the portfolio. So when we do sort of have excess cash, it needs to be invested or when we do need to buy and sell to kinda rebalance back a little bit. So there might be months where you don't get as many of those and months where you get more of them.\n\nBut if you were ever concerned about what's happening, let me know because we definitely do sort of track everything, keep looking at everything. And, yeah, that just generates whenever there's money being reinvested. There might be a month where there's not a lot of cash, and we don't need to reinvest anything additional. So, yeah, that's all good.\n\nChannel 1: That that works for me.\n\nChannel 0: Beautiful. Well, thank you so much. I will let you go. I've got it noted down that we're gonna touch base again. My team will book you in at the end of January so that we can do your review around about February to make sure that everything is working and that we look at the salary sacrifice moving forward.\n\nAnd I'll send you an email very shortly with this portfolio report, so you're welcome to run your eyes over there as well. Okay?\n\nChannel 1: No. Thank you, Dana. I appreciate it.\n\nChannel 0: Not a problem at all. I really enjoyed talking to you, Darren. Thank you so much for taking my call. I know you're very busy, and I really appreciate it.\n\nChannel 1: No. Thank you. I I appreciate you giving me taking the time to give me a call. That's great. Thank\n\nChannel 0: Any\n\nChannel 1: you.\n\nChannel 0: anytime. Not a worry at all. I'll let you go to enjoy your day. Don't work too hard, and\n\nChannel 1: I'll\n\nChannel 0: I'll talk\n\nChannel 1: I'll try\n\nChannel 0: to you\n\nChannel 1: not\n\nChannel 0: again.\n\nChannel 1: to.\n\nChannel 0: I'll talk to you very soon. Easy.\n\nChannel 1: No worries. You take care.\n\nChannel 0: Will do. Thanks, Darren. Talk to you soon. See you later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.76,"end":4.26,"sentiment":"neutral","sentiment_score":0.027703002095222473}],"sentiment":"neutral","sentiment_score":0.027703002095222473,"channel":1,"num_words":1,"start":3.76,"end":4.26},{"sentences":[{"text":"Hi, Darren.","start":5.12,"end":5.92,"sentiment":"neutral","sentiment_score":0.11306344345211983},{"text":"It's Dana from OQ Financial.","start":5.92,"end":7.62,"sentiment":"neutral","sentiment_score":0.14824922382831573},{"text":"How are you this afternoon?","start":7.68,"end":8.82,"sentiment":"neutral","sentiment_score":0.2203257292509079}],"sentiment":"neutral","sentiment_score":0.17241680435836315,"channel":0,"num_words":12,"start":5.12,"end":8.82},{"sentences":[{"text":"Good day.","start":9.12,"end":9.679999,"sentiment":"positive","sentiment_score":0.4205130636692047},{"text":"How are 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fantastic.","start":17.653236,"end":18.227942,"sentiment":"positive","sentiment_score":0.5368545949459076},{"text":"Before I jump into the call, just to let you know we do record our calls for quality and training purposes.","start":18.515293,"end":24.549706,"sentiment":"neutral","sentiment_score":0.17482306134133113},{"text":"Are you happy for me","start":24.549706,"end":25.986471,"sentiment":"neutral","sentiment_score":0.20730904042720794}],"sentiment":"neutral","sentiment_score":0.20648352429270744,"channel":0,"num_words":28,"start":17.653236,"end":25.986471},{"sentences":[{"text":"Yeah.","start":25.775,"end":26.015,"sentiment":"neutral","sentiment_score":0.11835648119449615}],"sentiment":"neutral","sentiment_score":0.11835648119449615,"channel":1,"num_words":1,"start":25.775,"end":26.015},{"sentences":[{"text":"to","start":25.986471,"end":26.273823,"sentiment":"neutral","sentiment_score":0.05618392303586006}],"sentiment":"neutral","sentiment_score":0.05618392303586006,"channel":0,"num_words":1,"start":25.986471,"end":26.273823},{"sentences":[{"text":"That's","start":26.015,"end":26.335,"sentiment":"neutral","sentiment_score":0.1134605035185814}],"sentiment":"neutral","sentiment_score":0.1134605035185814,"channel":1,"num_words":1,"start":26.015,"end":26.335},{"sentences":[{"text":"proceed","start":26.273823,"end":26.561176,"sentiment":"neutral","sentiment_score":0.1251525580883026}],"sentiment":"neutral","sentiment_score":0.1251525580883026,"channel":0,"num_words":1,"start":26.273823,"end":26.561176},{"sentences":[{"text":"fine.","start":26.335,"end":26.67,"sentiment":"neutral","sentiment_score":0.133339986205101}],"sentiment":"neutral","sentiment_score":0.133339986205101,"channel":1,"num_words":1,"start":26.335,"end":26.67},{"sentences":[{"text":"with that?","start":26.561176,"end":27.135883,"sentiment":"neutral","sentiment_score":0.13300420716404915},{"text":"Beautiful.","start":27.135883,"end":27.423237,"sentiment":"positive","sentiment_score":0.38488805294036865},{"text":"And just a little quick security check there for you just to confirm your full name, your date of birth, and address I should have on file there.","start":27.423237,"end":34.24,"sentiment":"neutral","sentiment_score":0.14719651719289167}],"sentiment":"neutral","sentiment_score":0.15394835318288497,"channel":0,"num_words":31,"start":26.561176,"end":34.24},{"sentences":[{"text":"Darren Anthony Edwards.","start":35.71,"end":36.93,"sentiment":"neutral","sentiment_score":0.019998775174220402},{"text":"First 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what else has been going on?","start":151.79501,"end":153.155,"sentiment":"neutral","sentiment_score":0.17001103184052876},{"text":"Any other changes?","start":153.155,"end":154.035,"sentiment":"neutral","sentiment_score":0.07345487674077351},{"text":"Anything exciting coming up?","start":154.035,"end":155.735,"sentiment":"neutral","sentiment_score":0.04940209351480007}],"sentiment":"neutral","sentiment_score":0.17852402105927467,"channel":0,"num_words":16,"start":150.035,"end":155.735},{"sentences":[{"text":"No.","start":155.965,"end":156.465,"sentiment":"neutral","sentiment_score":-0.09881766140460968},{"text":"Not 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reinvested.","start":384.155,"end":387.49,"sentiment":"neutral","sentiment_score":0.2179092213511467},{"text":"There might be a month where there's not a lot of cash, and we don't need to reinvest anything additional.","start":387.63,"end":391.95,"sentiment":"neutral","sentiment_score":0.20423703864216805},{"text":"So, yeah, that's all good.","start":391.95,"end":394.53,"sentiment":"positive","sentiment_score":0.5573799312114716}],"sentiment":"neutral","sentiment_score":0.2327240560266931,"channel":0,"num_words":59,"start":377.115,"end":394.53},{"sentences":[{"text":"That that works for me.","start":394.75,"end":396.29,"sentiment":"positive","sentiment_score":0.5535805284976959}],"sentiment":"positive","sentiment_score":0.5535805284976959,"channel":1,"num_words":5,"start":394.75,"end":396.29},{"sentences":[{"text":"Beautiful.","start":396.59,"end":397.005,"sentiment":"positive","sentiment_score":0.6236484050750732},{"text":"Well, thank you so much.","start":397.325,"end":398.685,"sentiment":"positive","sentiment_score":0.5472309231758118},{"text":"I will let you go.","start":398.685,"end":399.64502,"sentiment":"neutral","sentiment_score":0.30789518654346465},{"text":"I've got it noted down that we're gonna touch base again.","start":399.64502,"end":402.305,"sentiment":"neutral","sentiment_score":0.23019324378533798},{"text":"My team will book you in at the end of January so that we can do your review around about February to make sure that everything is working and that we look at the salary sacrifice moving forward.","start":402.605,"end":412.14502,"sentiment":"neutral","sentiment_score":0.21561058375396228}],"sentiment":"neutral","sentiment_score":0.26041011363267896,"channel":0,"num_words":60,"start":396.59,"end":412.14502},{"sentences":[{"text":"And I'll send you an email very shortly with this portfolio report, so you're welcome to run your eyes over there as well.","start":413.05002,"end":419.13,"sentiment":"neutral","sentiment_score":0.18388490054918372},{"text":"Okay?","start":419.13,"end":419.63,"sentiment":"neutral","sentiment_score":0.064771868288517}],"sentiment":"neutral","sentiment_score":0.1789218575383226,"channel":0,"num_words":24,"start":413.05002,"end":419.63},{"sentences":[{"text":"No.","start":419.57,"end":420.05002,"sentiment":"neutral","sentiment_score":0.09098340570926666},{"text":"Thank you, Dana.","start":420.05002,"end":421.09003,"sentiment":"neutral","sentiment_score":0.22835982342561087},{"text":"I appreciate it.","start":421.09003,"end":422.23,"sentiment":"positive","sentiment_score":0.3441474835077922}],"sentiment":"neutral","sentiment_score":0.25835790378706797,"channel":1,"num_words":7,"start":419.57,"end":422.23},{"sentences":[{"text":"Not a problem at all.","start":422.49002,"end":423.53,"sentiment":"neutral","sentiment_score":0.28043465614318847},{"text":"I really enjoyed talking to you, Darren.","start":423.53,"end":425.21002,"sentiment":"positive","sentiment_score":0.5304933999265943},{"text":"Thank you so much for taking my call.","start":425.21002,"end":427.01498,"sentiment":"positive","sentiment_score":0.4907463453710079},{"text":"I know you're very busy, and I really appreciate it.","start":427.01498,"end":429.675,"sentiment":"neutral","sentiment_score":0.24575362652540206}],"sentiment":"positive","sentiment_score":0.3833044702808062,"channel":0,"num_words":30,"start":422.49002,"end":429.675},{"sentences":[{"text":"No.","start":429.61502,"end":429.855,"sentiment":"neutral","sentiment_score":0.04585209861397743},{"text":"Thank you.","start":429.855,"end":430.575,"sentiment":"neutral","sentiment_score":0.13866746425628662},{"text":"I I appreciate you giving me taking the time to give me a call.","start":430.575,"end":433.375,"sentiment":"neutral","sentiment_score":0.30048653376953943},{"text":"That's great.","start":433.375,"end":433.935,"sentiment":"positive","sentiment_score":0.4192726612091065},{"text":"Thank","start":433.935,"end":434.17502,"sentiment":"neutral","sentiment_score":0.3250110447406769}],"sentiment":"neutral","sentiment_score":0.2846777433529496,"channel":1,"num_words":20,"start":429.61502,"end":434.17502},{"sentences":[{"text":"Any","start":434.055,"end":434.455,"sentiment":"neutral","sentiment_score":0.2744519114494324}],"sentiment":"neutral","sentiment_score":0.2744519114494324,"channel":0,"num_words":1,"start":434.055,"end":434.455},{"sentences":[{"text":"you.","start":434.17502,"end":434.67502,"sentiment":"neutral","sentiment_score":0.20838256180286407}],"sentiment":"neutral","sentiment_score":0.20838256180286407,"channel":1,"num_words":1,"start":434.17502,"end":434.67502},{"sentences":[{"text":"anytime.","start":434.69498,"end":435.19498,"sentiment":"neutral","sentiment_score":0.14445650577545166},{"text":"Not a worry at all.","start":435.495,"end":436.29498,"sentiment":"neutral","sentiment_score":0.22451538741588592},{"text":"I'll let you go to enjoy your day.","start":436.29498,"end":438.055,"sentiment":"positive","sentiment_score":0.40072258189320564},{"text":"Don't work too hard, and","start":438.055,"end":439.95,"sentiment":"neutral","sentiment_score":0.056883619725704195}],"sentiment":"neutral","sentiment_score":0.2503806419278446,"channel":0,"num_words":19,"start":434.69498,"end":439.95},{"sentences":[{"text":"I'll","start":439.77502,"end":440.095,"sentiment":"neutral","sentiment_score":0.07754988968372345}],"sentiment":"neutral","sentiment_score":0.07754988968372345,"channel":1,"num_words":1,"start":439.77502,"end":440.095},{"sentences":[{"text":"I'll talk","start":439.95,"end":440.35,"sentiment":"neutral","sentiment_score":0.07923652976751328}],"sentiment":"neutral","sentiment_score":0.07923652976751328,"channel":0,"num_words":2,"start":439.95,"end":440.35},{"sentences":[{"text":"I'll try","start":440.095,"end":440.495,"sentiment":"neutral","sentiment_score":0.03646150231361389}],"sentiment":"neutral","sentiment_score":0.03646150231361389,"channel":1,"num_words":2,"start":440.095,"end":440.495},{"sentences":[{"text":"to you","start":440.35,"end":440.67,"sentiment":"neutral","sentiment_score":0.02380475588142872}],"sentiment":"neutral","sentiment_score":0.02380475588142872,"channel":0,"num_words":2,"start":440.35,"end":440.67},{"sentences":[{"text":"not","start":440.495,"end":440.73502,"sentiment":"neutral","sentiment_score":0.0434122234582901}],"sentiment":"neutral","sentiment_score":0.0434122234582901,"channel":1,"num_words":1,"start":440.495,"end":440.73502},{"sentences":[{"text":"again.","start":440.67,"end":441.17,"sentiment":"neutral","sentiment_score":0.046804144978523254}],"sentiment":"neutral","sentiment_score":0.046804144978523254,"channel":0,"num_words":1,"start":440.67,"end":441.17},{"sentences":[{"text":"to.","start":440.73502,"end":441.23502,"sentiment":"neutral","sentiment_score":0.03696266561746597}],"sentiment":"neutral","sentiment_score":0.03696266561746597,"channel":1,"num_words":1,"start":440.73502,"end":441.23502},{"sentences":[{"text":"I'll talk to you very soon.","start":442.51,"end":444.21,"sentiment":"neutral","sentiment_score":0.06941934488713741},{"text":"Easy.","start":444.27,"end":444.77,"sentiment":"positive","sentiment_score":0.6208550930023193}],"sentiment":"neutral","sentiment_score":0.1481958803321634,"channel":0,"num_words":7,"start":442.51,"end":444.77},{"sentences":[{"text":"No worries.","start":445.12,"end":445.68,"sentiment":"positive","sentiment_score":0.581057071685791},{"text":"You take care.","start":445.68,"end":446.66,"sentiment":"positive","sentiment_score":0.6709957917531332}],"sentiment":"positive","sentiment_score":0.6350203037261963,"channel":1,"num_words":5,"start":445.12,"end":446.66},{"sentences":[{"text":"Will do.","start":446.99,"end":447.47,"sentiment":"positive","sentiment_score":0.6921738982200623},{"text":"Thanks, Darren.","start":447.47,"end":448.27,"sentiment":"positive","sentiment_score":0.8082095682621002},{"text":"Talk to you soon.","start":448.27,"end":449.07,"sentiment":"positive","sentiment_score":0.6555763781070709},{"text":"See you later.","start":449.07,"end":449.89,"sentiment":"positive","sentiment_score":0.49338356653849286}],"sentiment":"positive","sentiment_score":0.6457475586370989,"channel":0,"num_words":11,"start":446.99,"end":449.89},{"sentences":[{"text":"Bye.","start":449.44,"end":449.94,"sentiment":"neutral","sentiment_score":0.2766092121601105}],"sentiment":"neutral","sentiment_score":0.2766092121601105,"channel":1,"num_words":1,"start":449.44,"end":449.94},{"sentences":[{"text":"Bye.","start":450.27,"end":450.77,"sentiment":"neutral","sentiment_score":-0.12256940454244614}],"sentiment":"neutral","sentiment_score":-0.12256940454244614,"channel":0,"num_words":1,"start":450.27,"end":450.77}]},"summary":{"result":"success","short":"Representatives from OQ Financial speak with customers to check on their health and pay rise, update them on their portfolio and retirement plans, and provide updates on retirement plans and follow-ups if needed. They advise customers to be careful with their investments and offer to provide a report in a few months. The customers are advised to touch base again in January to review their portfolio and receive updates on retirement plans and follow-ups if needed."},"intents":{"segments":[{"text":"I had you booked in for a bit of a quick catch up this afternoon. Is now still a good time there Yeah.","start_word":23,"end_word":45,"intents":[{"intent":"Schedule catch up","confidence_score":0.019819902}]},{"text":"And just a little quick security check there for you just to confirm your full name, your date of birth, and address I should have on file there. Darren Anthony Edwards.","start_word":86,"end_word":116,"intents":[{"intent":"Confirm details","confidence_score":0.12080338},{"intent":"Check security check","confidence_score":0.30400273}]},{"text":"Thank you so much for that. Darren, so I'm make making sure that I'm living up to the promises there, making sure we're doing other catch ups and things for you. I just wanted to kinda start and to see how everything's going for yourself at the moment. O.","start_word":129,"end_word":177,"intents":[{"intent":"Check situation","confidence_score":0.060140308}]},{"text":"I've got a pay rise it'd be a couple of months ago now. It was $70 Yep.","start_word":200,"end_word":216,"intents":[{"intent":"Discuss pay rises","confidence_score":0.127718}]},{"text":"So your annual review will be due around about March. Did you wanna do that about then, or did you want me to touch base earlier next year to talk about the salary sacrifice? Yeah.","start_word":283,"end_word":317,"intents":[{"intent":"Schedule annual reviews","confidence_score":0.16786025},{"intent":"Discuss salary sacrifice","confidence_score":0.59040815}]},{"text":"doing doing a a quote for you doing a quote while I'm talking to you.","start_word":474,"end_word":488,"intents":[{"intent":"Get quote for quote","confidence_score":0.0015423468}]},{"text":"So your portfolio has recovered nicely. We are seeing it continue to grow and compound a little bit. I just wanna sort of watch it over the next sort of three to six months there and see how that tracks towards the annual review time. But at the moment, everything is doing really well. That advice piece is, you know, all gone through nicely, and I'm happy with how things are tracking for you at the moment.","start_word":632,"end_word":708,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.08978873}]},{"text":"I am really happy with where it's tracking. That piece of advice went through, and the market has been really nice. After that, your portfolio is working as I would sorta hope. We'll just kinda keep monitoring things. And, look, I do log in and have a look every, you know, couple of months to see what's happening, how it's tracking, and whether I need to maybe call you or make some changes. Yep.","start_word":887,"end_word":960,"intents":[{"intent":"Improve portfolio management","confidence_score":0.011967738}]},{"text":"My team will book you in at the end of January so that we can do your review around about February to make sure that everything is working and that we look at the salary sacrifice moving forward. And I'll send you an email very shortly with this portfolio report, so you're welcome to run your eyes over there as well. Okay? No.","start_word":1331,"end_word":1393,"intents":[{"intent":"Book portfolio review","confidence_score":0.0009007952}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Darren. It's Dana from OQ Financial. How are you this afternoon?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.1487656682729721},{"text":"Good day.","start_word":13,"end_word":14,"sentiment":"positive","sentiment_score":0.4081437587738037},{"text":"How are you?","start_word":15,"end_word":17,"sentiment":"neutral","sentiment_score":0.299452543258667},{"text":"I'm very well. Thank you.","start_word":18,"end_word":22,"sentiment":"positive","sentiment_score":0.6310690641403198},{"text":"I had you booked in for a bit of a quick catch up this afternoon. Is now still a good time there Yeah. for That's you? fine.","start_word":23,"end_word":49,"sentiment":"neutral","sentiment_score":0.2595267593860626},{"text":"Oh, fantastic.","start_word":50,"end_word":51,"sentiment":"positive","sentiment_score":0.53685462474823},{"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 Yeah. to That's proceed fine. with that?","start_word":52,"end_word":84,"sentiment":"neutral","sentiment_score":0.16130506992340088},{"text":"Beautiful.","start_word":85,"end_word":85,"sentiment":"positive","sentiment_score":0.38488805294036865},{"text":"And just a little quick security check there for you just to confirm your full name, your date of birth, and address I should have on file there. Darren Anthony Edwards. First of Yep. 1st 71. 6 Niagara Way In Werribee 3030.","start_word":86,"end_word":127,"sentiment":"neutral","sentiment_score":0.0889962688088417},{"text":"Beautiful. Thank you so much for that. Darren, so I'm make making sure that I'm living up to the promises there, making sure we're doing other catch ups and things for you.","start_word":128,"end_word":159,"sentiment":"positive","sentiment_score":0.5568161010742188},{"text":"I just wanted to kinda start and to see how everything's going for yourself at the moment. O. Mhmm. Hey. It's going alright. I can't complain. Yeah. Any big pay rises or any changes to your circumstances at all? Yeah. I've got a pay rise it'd be a couple of months ago now. It was $70 Yep. gross gross a week. Oh, nice. Yeah. So I'm I can't complain about that. I'm probably gonna look probably early next year or by the time we do our next follow-up, just look at Mhmm. salary sacrificing that pay rise. Yep. Yep.","start_word":160,"end_word":258,"sentiment":"neutral","sentiment_score":0.0534333698451519},{"text":"Perfect.","start_word":259,"end_word":259,"sentiment":"positive","sentiment_score":0.36673158407211304},{"text":"I'll make a note of that. So we'll sort of look at that next year for you. Yep. Just having a look. So your annual review will be due around about March. Did you wanna do that about then, or did you want me to touch base earlier next year to talk about the salary sacrifice? Yeah. Probably probably towards the end of Feb Yep. because I'm away I'm away at the end of March. So Okay. so, yeah, end of Feb, early March will probably work better. Yep.","start_word":260,"end_word":348,"sentiment":"neutral","sentiment_score":0.024155858025122223},{"text":"No problem at all. Excellent. We sorta schedule the annual reviews out moving forward about sort of sixty days out. So my team will probably even give you a call maybe mid January to kinda book that in for you if that's gonna work for yourself.","start_word":349,"end_word":394,"sentiment":"positive","sentiment_score":0.3867056369781494},{"text":"Yeah.","start_word":395,"end_word":395,"sentiment":"neutral","sentiment_score":0.2376967817544937},{"text":"That should work. That's fine. Yeah. Beautiful.","start_word":396,"end_word":402,"sentiment":"positive","sentiment_score":0.4026336967945099},{"text":"To book a new review, and we'll talk about salary sacrifice. And you it's $70 gross that you've got extra new pay at the moment. Is that right? Yep. That's Yep. right.","start_word":403,"end_word":434,"sentiment":"neutral","sentiment_score":0.16402192413806915},{"text":"Beautiful. Fantastic.","start_word":435,"end_word":436,"sentiment":"positive","sentiment_score":0.6241670846939087},{"text":"And what else has been going on? Any other changes? Anything exciting coming up? No. Not really. No. Just working away. Coming I'm coming up to my busiest time of year, so I'm sort of semi Yes. doing doing a a quote for you doing a quote while I'm talking to you. So Well, hopefully hopefully, I I won't take up too much of your time. I no. do promise You're alright. there. But no. Look. Honestly, everything is going really well. We the last piece of the advice there was that we had updated your portfolio. We'd removed any underperforming investments. And just to give you a bit of an update there, so the last rollover came through because we're rolling some money from CareSoup, and that all happened as of the twentieth to the fourth. Since Yep. then so looking the last three months of just sort of growth and income within the funds there, you've made 3.22% in the last three months. That's net of fees, and that's essentially the income and the growth within the fund there. Earnings wise, as a dollar figure, it's a bit over $7,400 in three months.","start_word":437,"end_word":631,"sentiment":"neutral","sentiment_score":0.04389918021475658},{"text":"So your portfolio has recovered nicely. We are seeing it continue to grow and compound a little bit.","start_word":632,"end_word":649,"sentiment":"positive","sentiment_score":0.5763390064239502},{"text":"I just wanna sort of watch it over the next sort of three to six months there and see how that tracks towards the annual review time.","start_word":650,"end_word":676,"sentiment":"neutral","sentiment_score":0.19743004441261292},{"text":"But at the moment, everything is doing really well. That advice piece is, you know, all gone through nicely, and I'm happy with how things are tracking for you at the moment.","start_word":677,"end_word":708,"sentiment":"positive","sentiment_score":0.6787540912628174},{"text":"Oh, I can't complain if you can't, so that's good. I must No. admit I haven't I I haven't checked my super in a while. So No. That's okay. Did you want me to send you an email after the call with the report I've downloaded for you just so you can run your eyes over it as well and let me know if you do have additional questions at all? Yeah. That'll that'll be fine. Yeah.","start_word":709,"end_word":785,"sentiment":"neutral","sentiment_score":0.05835702642798424},{"text":"Beautiful. Lovely.","start_word":786,"end_word":787,"sentiment":"positive","sentiment_score":0.5499250888824463},{"text":"Is there anything otherwise that you had for me? Any questions you might need? Anything you want me to follow-up for you or research No. wise? Not really. No? Not No. That's okay. as as as long as you're happy with everything, then I'm happy with everything. So Yeah. Absolutely. Absolutely. As I promised last time, I'll be upfront and honest with you when things aren't working. When we need to maybe readjust things, I'll come out and let you know when the market's not performing. I'll be honest and stand in front of that for you.","start_word":788,"end_word":884,"sentiment":"neutral","sentiment_score":0.04435625872046677},{"text":"So Yep. I am really happy with where it's tracking. That piece of advice went through, and the market has been really nice. After that, your portfolio is working as I would sorta hope. We'll just kinda keep monitoring things.","start_word":885,"end_word":924,"sentiment":"positive","sentiment_score":0.5877969264984131},{"text":"And, look, I do log in and have a look every, you know, couple of months to see what's happening, how it's tracking, and whether I need to maybe call you or make some changes. Yep.","start_word":925,"end_word":960,"sentiment":"neutral","sentiment_score":0.21772967278957367},{"text":"But I am honestly really happy with everything and looking forward to next year when we catch up again, and we'll talk about salary sacrifice and maybe update the advice to reflect and look at where we're tracking forward from that for you.","start_word":961,"end_word":1003,"sentiment":"positive","sentiment_score":0.4376589357852936},{"text":"Okay? Alright. No. That's fine. Easy. If I I I'm I'm not if I had I do get the email notifications of when you Beautiful. ship port ship stuff out and do a Invest bit bit some of more work. money? Yep. Yeah. So that that's Yeah.","start_word":1004,"end_word":1050,"sentiment":"neutral","sentiment_score":0.04492328688502312},{"text":"nice to know.","start_word":1051,"end_word":1053,"sentiment":"positive","sentiment_score":0.3456000089645386},{"text":"So I can't complain about that.","start_word":1054,"end_word":1059,"sentiment":"neutral","sentiment_score":0.19500732421875},{"text":"So Fantastic. I'm glad you're receiving those. That's brilliant.","start_word":1060,"end_word":1068,"sentiment":"positive","sentiment_score":0.6917147636413574},{"text":"If you ever do receive anything like that and you're a bit confused or concerned, you're welcome to let me know. I'm happy to take time to break it down, whether it be a phone call and email for you as No. well. I Okay. I when I get those, I'll look at it Good. and I go, well, you so You're being active on the account. It's Yes. being looked at, and it's all I Yep. asked for because I hadn't had any of those emails for Yeah. a long time prior prior to you taking over. So that's that's not a problem Oh, at all.","start_word":1069,"end_word":1175,"sentiment":"neutral","sentiment_score":0.1263385713100433},{"text":"good. Fantastic.","start_word":1176,"end_word":1177,"sentiment":"positive","sentiment_score":0.6714869141578674},{"text":"Those do tend to come through whenever there is, like, a big change in the portfolio. So when we do sort of have excess cash, it needs to be invested or when we do need to buy and sell to kinda rebalance back a little bit. So there might be months where you don't get as many of those and months where you get more of them. But if you were ever concerned about what's happening, let me know because we definitely do sort of track everything, keep looking at everything. And, yeah, that just generates whenever there's money being reinvested. There might be a month where there's not a lot of cash, and we don't need to reinvest anything additional.","start_word":1178,"end_word":1298,"sentiment":"neutral","sentiment_score":0.1782068908214569},{"text":"So, yeah, that's all good. That that works for me. Beautiful. Well, thank you so much.","start_word":1299,"end_word":1314,"sentiment":"positive","sentiment_score":0.54880690574646},{"text":"I will let you go. I've got it noted down that we're gonna touch base again. My team will book you in at the end of January so that we can do your review around about February to make sure that everything is working and that we look at the salary sacrifice moving forward. And I'll send you an email very shortly with this portfolio report, so you're welcome to run your eyes over there as well. Okay? No. Thank you, Dana. I appreciate it. Not a problem at all.","start_word":1315,"end_word":1404,"sentiment":"neutral","sentiment_score":0.21848055720329285},{"text":"I really enjoyed talking to you, Darren. Thank you so much for taking my call.","start_word":1405,"end_word":1419,"sentiment":"positive","sentiment_score":0.5023826956748962},{"text":"I know you're very busy, and I really appreciate it. No. Thank you. I I appreciate you giving me taking the time to give me a call.","start_word":1420,"end_word":1446,"sentiment":"neutral","sentiment_score":0.24726176261901855},{"text":"That's great.","start_word":1447,"end_word":1448,"sentiment":"positive","sentiment_score":0.4151833057403565},{"text":"Thank Any you. anytime. Not a worry at all.","start_word":1449,"end_word":1457,"sentiment":"neutral","sentiment_score":0.22650356590747833},{"text":"I'll let you go to enjoy your day.","start_word":1458,"end_word":1465,"sentiment":"positive","sentiment_score":0.38453173637390137},{"text":"Don't work too hard, and I'll I'll talk I'll try to you not again. to. I'll talk to you very soon.","start_word":1466,"end_word":1486,"sentiment":"neutral","sentiment_score":0.05984531715512276},{"text":"Easy. No worries. You take care. Will do. Thanks, Darren. Talk to you soon. See you later.","start_word":1487,"end_word":1503,"sentiment":"positive","sentiment_score":0.6468218564987183},{"text":"Bye. Bye.","start_word":1504,"end_word":1505,"sentiment":"neutral","sentiment_score":0.2289545238018036}],"average":{"sentiment":"neutral","sentiment_score":0.19142141455426068}}}}