{"metadata":{"transaction_key":"deprecated","request_id":"4279d17c-f935-40b0-9d7e-32f7808a1989","sha256":"a894095b08153e51e129d212ec2ee9390672b73bde25f8af21a3bde8dcf95ede","created":"2026-03-24T05:40:27.291Z","duration":2131.7039,"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":7782,"output_tokens":138},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":8450,"output_tokens":8466},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":8450,"output_tokens":1434}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon. This is Veronica from Oakview Financial. How are you this afternoon? I'm good. Thanks. I had you booked in for a little bit of a catch up. Is now still a good time for you? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Perfect. That's exactly what I have here. How's your day been so far? Been busy? Well, I'll try not to keep you for too long. Essentially, I do have you booked in because I believe you had a couple of questions in regards to the child bond with Gen Life. Yeah. And I can see here that you your main kind of question was in regards to making additional kind of lump sum contributions for your children? Correct. Correct. Yes. That's correct. Correct. That's correct. Yeah. Yes. Sorry. Definitely, the first twelve months is great because it does give you that flexibility. So if it is that you do have a bit of a lump sum that you do wanna put in, most definitely, Drew, sorry, within the first twelve months. I did have a look as well just to confirm, and you are correct, that the anniversary date is the April 22. So if it is that you do have a little bit that you wanna put in, I suggest doing that before the April 22 just to give you that flexibility for the next couple of years. Because after the first twelve months, it is that 125 rule. So, basically, if you because I think you're doing the $250 per month contributions. Is that correct? Yep. So if, for example, you do $250 for twelve months and then you do, let's say, 10,000 as a lump sum, that means that in a twelve month period, you've done six sorry, $13,000. Then next year, that means that you can do a 125 percent of that. You don't have to. It just means that it allows you to. So that would mean that you can do up to 16,250 without resetting any time frame. You don't have to. You can still then decide to just do the $250 for the whole duration if you want to for the next next year. But it would mean that the following year, you can basically just do a 125% of the previous year. So whatever that might be, it changes. No. No. Mhmm. Yep. Yes. Yes. So yeah. So what I'll actually do is because your annual review is also due, I have actually prepped the documents for you for your annual review, and part of that is actually a summary of the Gen Life form. So what I will do do you have access to your emails at the moment, Jayesh? Or not really? Yep. Okay. Perfect. So I'm just gonna send this to you so we can kind of start there. And that yep. Yep. Yep. Mhmm. Yeah. Yep. Correct. That is correct. Yep. Mhmm. Yep. '22. So I'll just yes. No. Correct. Correct. You can. You even can. So if there's ever a situation where your finances change and you decide that I cannot make any contributions whatsoever anymore, you can stop it. There is nothing saying you have to. The only kind of thing to be mindful of is that, let's say, for this one year that you make zero contributions because a 125% of zero is zero. So that just means that if you completely stop, and then let's say in two years' time, you go, oh, no. I wanna start it. It would then reset the time frame. But to get around that, you could open up, like, another one, for example. That is the only kind of downside by decreasing for the next couple of years if it is something that you want to do. But you don't have to do a 125 at all. You can decide to do just keeping it exactly the same for the whole duration of the bond. You could just keep the $2.50 per month for for the rest of the duration. You don't have to change it. It just allows you to do up to a max of that amount. Does that make sense? Mhmm. Yep. So let's say the April 22 until 04/22/2027. So between the April 2026 and 04/22/2027, you stop contributions altogether. So you don't do anything. That means that the year 2027 to 2028, you can't make contributions because you've stopped it. So that would reset. Correct. Correct. Exactly. So that is the only the only kind of thing to be mindful of if you decrease it. But it would it It yeah. So the only way to go back if you stop for a whole year is to either open up a new investment bond if you don't wanna reset the time frame. Or if you do start making those $2.50, it will reset the time frame. So that is kind of correct. No. No. They all say that. It just means from a tax point of view. So let's say you make contributions, and then you you say that from ten years or when you set the bond up, you wanna take it all out and give to your children. If you let's say after five years, stop contribution, and then let's say, year seven, you decide to put more in, you still have all the gains. All the money is still there. It's still yours. It just means that from what makes us so tax effective with the bond, obviously, having that 0%, that time frame reset. So if you put money in at correct. Exactly. So if it just resets the time frame if you stop for twelve months. Yeah. So all the money is still there. It just kind of makes it, like, not as tax effective by resetting the the time frame. But let's say if you have it that your time frame is ideally fifteen years, let's say, then you can reset the time frame. It doesn't really matter because you don't wanna take the money out for fifteen years anyway. So all the money is still there. It is a bit complex, but does it kind of make sense? It seems like you have a pretty good understanding of it. Yes. Yes. Yep. Yep. It does. So it kind of it changes every year, which is a 120. So let's say 2020 sorry. April, for simplicity, let's keep it April 2026 to April 2027. Let's say you did $200 a month. Now that is 2,400. Now the 2027 to 2028, you can then do 3,000 max for that year because that is a 100 and twenty. Correct. So the 100 and 20 no. No. No. No. Not that. As long as you don't go over one twenty, which is why they call it a 120% rule. So if if you stay within the 125%, you can, if you want through every year, increase it to the max amount, and you'll stay with with under the threshold. It's just if you go over. The good thing with correct. Correct. Correct. Yes. 100%. Yes. Correct. And the good no. Exactly. And the good thing with Genlife as well is that if for for some reason, you forget the rule or you are not sure how much you've done and you put extra in, and you don't tell us and you're just like, oh, yeah. I wanna put in. Genlife will notify us. So they have kind of a safety, so they will notified us and say, hey. We've seen that there's more than a 125% added this year. Is that correct, or do you want us to refund some of the amount? So they are very good with letting us know and communicate if it is a situation. But I would say if you are unsure or if you're trying to do more, just give us a call, and we can can just run through the numbers just to make sure you stay under the threshold. Yeah. Does that answer those questions for you? Yeah. Yeah. No. That's okay. Oh, yes. And it it it is messy, and sometimes it's good to refresh because especially in a year's time, you're like, oh, yeah. And I would much rather have you calling. And if that's every six months or three months we go through this and make sure that you have all the information and we do the right thing for you and your kids, that's fine. You know? Rather that way, then you forget and then do something completely different. And then I'm like, no. Why did we do that? So that is that is yeah. Yes. Yes. And it is good that you have the the regular contribution plan. I think that is one of the best way. Because one, it comes out automatically. You don't have to think about it. Correct. And it also takes advantage of all the ups and downs in the market because it's near impossible to kinda time when it's the best time. But doing it regular means that sometimes you're buying when the prices is a little bit high. Sometimes you're buying at the bottom, which is great. So it kind of evens that out by doing it regular for you as well. Yes. Yep. I think yeah. So in order for me to make an official recommendation, I have to do it through a statement of advice because it is personal advice. From a general point of view is if you have additional money at the moment that you want to, obviously, make sure it does a bit more for your children, with everything going on in the market at the moment, it's not necessarily a bad time as long as the investments are correct because prices and things in some areas are down. So it's not a bad thing, especially if it's a long term investment because historically speaking as well, the market always go goes up as long as there's no fundamental issues with the investment itself. So it's not a bad thing, especially if it's a long term investment. The other kind of side of it would be like, okay. Well, what are your other goals? What else are you trying to achieve? And if by putting a lump sum into this, does that impact other things? But in terms of from simplicity, should you put more money in if you have the capacity to do so and it doesn't impact other goals for you, it is a very tax effective way to do it. Does that make sense? Yes. Exactly. So, obviously, things are which is actually the documents. So do you have access to your emails at the moment? Yep. Perfect. So we have just changed the software, so it might look a little bit different to what you are used to. When you click on the email so before you click on the link so when you click on the link, it will get you to sign the document. Before you do that, you will see that there are a couple of attachments. Can you see those? Like, can you see yep. Yeah. So if you just get out of that first, just so I can run through the other documents before I get you to sign anything just to make sure you're happy. If you can just just before clicking on the link, if you scroll down at the bottom of the email, can you see where it says, like, Vanguard index chart and Hub 20 four? Yes. So for example, if you wanna click on the Vanguard index chart for me. Let me just see. Can you see that okay? Yep. Sure. And you probably have seen something similar to this before. Yep. Perfect. So this is kind of a good visual way of explaining and seeing the market and seeing the ups and downs. So, obviously, this one here goes all the way back through 1995 and then through through 2025. And it shows you as well kind of, you know, over the long term, the market always goes up. Short term, though, there are those ups and downs and market fluctuations. And sometimes you can see as well that, like, the biggest decreases in the market are quite closely followed by the market going back up again, obviously, depending on what is going on. And this one here also breaks down the different asset classes. So to the right, you will see your top four. So US shares, Australian shares, international shares, and property. Now these kind of falls into the category of we would call your growth investment. So so they are the ones that's going to maximize that growth for you. The bottom three are your defensive. So these are a little bit more, obviously smoother as you can see, but they don't grow as much. So these are your defenses. Now with your Genlife investment portfolio that I know you set up with my colleague, Kyle, you are in a Vanguard, let me just see, head growth portfolio, I believe. Yes. Which is kind of aiming for around a eighty twenty split. So about 80% typically in those top four and about 20 in the bottom because you do have obviously time until, you know, at least that ten years until you wanna give it to your children or whenever you decide that you would like to give it to them. So it is a, you know, a good time frame to do that. Now the next two attachments that I can see here is your Genlife portfolio per service port. Sorry. Can you see those? They're just exactly which is just your generation life. You can see that, obviously, it's a child build up bond, investment bond. You can also see your Vanguard growth portfolio there. You can see your closing balance at the moment. So at the moment, you have 13,568 and 85¢. And then you can see the total after tax performance. So that is still at 6.25 despite everything going on in the market, which is not bad given the last twelve months have seen a bit of a fluctuation. So that's those for you. Now the next one is your hub twenty four portfolio report. Can you see that okay? Yes. Now this one here is probably the one that looks the messiest. But this one essentially shows you your hub twenty four investment over the last twelve months. Now this is all after fees as well. Sorry. Yep. No. That's okay. And while that loads for you, we currently have you invested in a growth portfolio as well for your superannuation. Are you still comfortable with that growth portfolio, or has your risk tolerance or anything changed? No. Yep. Okay. Perfect. And you do have the time frame behind you as well in a growth portfolio because, typically, we say, you know, a growth, we do wanna see ideally a minimum of six years until retirement, making sure, obviously, you have enough time for those ups and downs and market fluctuations, which you do have. And it's also that kind of eighty twenty split. Did that open up? Yes. Yes. Yes. So exactly that dividends and stuff paid, and then growth in the period is obviously increasing in prices and stuff for you. So it kind of breaks it down. And, typically, what most people are interested in is the end value and the start value and then the internal rate of return column, which is the second one to the right. Because this one here is the individual return of each of your investments and how they have performed all after fees. Now the total of everything as well doesn't include your contributions. This is just how your investments have done. So as you can see here, there is a bit of a So as you can see here, there is a bit of a spread, obviously, again, because what is going on in the market. So as you can see that the ones in the bracket, which is your Benelon Australian equity, and then the beta shares live global cybersecurity. Now these are the ones that's currently down at the moment. The rest are positive. So with your portfolio as well, with the global cybersecurity, obviously, AI technology, that space is not going anywhere anytime soon. So there are obviously opportunities in this space, and it is more of like a cyclical trend wide down at the moment. Overall, kind of tech stocks have been a little bit weaker overall, especially globally. It's not something that we kind of long term at the moment are too concerned about, though, because it is a good stable investment long term. And, obviously, there are a lot of things in the AI space at the moment. You also wanna avoid sometimes selling if you believe in the investment selling when the prices are down because that's when you are crystallizing the losses. However, with the Bennelong investment can you see that one? That's the one that's down the most. Now this investment here, I do want to look at reviewing for you. The reason being is that the Benelon Australian Equity, it is a little bit different to your other investments in that it is a managed fund. Have you heard of that before? No. No. Sorry. How that one is different is that they are a managed fund, and the the purpose is to actively buy and sell different investments in order to try to outperform the market. Whereas the other investments are kind of tracking an index. So for example, iShares S and P 500 is to kinda compare, which is the one at the bottom, which it says I b b. Now this one here, to kinda simplify it, it invests in the 500 largest companies listed on in The US. So as a company grows and you get in through those 500 biggest companies, it gets added to the investments. And as something gets smaller, it comes out. So you basically just track the the 500 biggest companies, which is obviously a lot of growth opportunities in The US space in that way. So you don't need as much co kind of research or actively buying and selling, which can trigger capital gains tax for these investments. So then along was added to the portfolio to give you that kind of active component, which does trying to outperform the market by buying and selling more frequently. Now at the time when it was added to your portfolio as well, it was one of their best performing fund managers, and they had performed really well. More recently, they have underperformed, which you can see here. There are a couple of reasons why we look through we want to look at reviewing the portfolio and potentially swap that out if we can find something else. Is that because if you are paying to have someone actively buying and selling during the research, you wanted to outperform. And if it's not outperforming, then why are you paying a little bit of extra for it, essentially? Exact exactly. Now, also, they have made a couple of calls on different investments that haven't played off recently, and they've been a little bit slower in making changes. So we've been a little bit kind of, okay. Well, that might not be the best option moving forward. And another reason is it wasn't really them, but one of the companies that they had in their portfolio was Corporate Travel Group. Now they had a bit of issues with reporting. I'm not sure if you've heard of them. I think it was on the news. Yeah. So obviously, had a bit of issues, cost suspension. They couldn't trade, obviously, things fell. So if you are happy for me to do so, I would like to do a bit more research on your investments, but specifically just your one. The other ones are not doing too bad, but I still would just like to review everything as a whole because it is good to do because things always change. The market always change, and we wanna make sure that we always keep up to date with obviously making sure that whatever we have you invested in is going to be the best for you. And it's all part of the ongoing service. There's no additional fees or anything like that. It's all part of the ongoing service to see if we wanna swap that out for you for something else. Are you happy for me to do that? Yeah. Wait. So oh, for you, Drew. So how many four? Just cover that as your bank account, basically, or your super. Exactly. Where we do all of that. Now with the investment, I do wanted to check something else with you is have you read our newsletter at all? Do you read that every now and then or or not really? No. Most people are the same. That's why I asked. I do suggest maybe going back on the the last one after the call if you want to. The reason I do ask is that we have recently merged or joined forces with BlackRock. Have you heard of BlackRock? They are massive. Yeah. So we've joined and partnered up with them to create our own SMA, so a self managed account. Have you ever heard of that? No. Sorry. The way that the so you can still obviously do it in Hub twenty four still within your super. It's just a slightly different way. So at the moment, you have what we would call, like, your model portfolio. So you can see all your individual investments here. Now if I want to go and make a change, so, obviously, the investment committee, if we we do all the research and we just see that, for example, Bennelong might not be the best option, we wanna change it out for you. We would obviously go and do all the research. But to make a change, I would have to put everything in a SOA for you, go through the changes, and then you would have to sign and agree to the change before I can make the change. Obviously, that process does take a little bit because it is quite compliant and heavy from research. So it does take a little bit, which it gives you the full control of the change, but at the same time, it sometimes a bit of a lagging effect because it takes a little bit to do. And, obviously, things with market fluctuations, sometimes you wanna react quickly, but, obviously, a lot of it is kind of long term investment. Now how the SMA? Yeah. No. That's okay. Yes. Yeah. It had done so well. Yes. Yes. Pretty high holding. Yes. Exactly. Yes. Exactly. Which is why so I know I'm very mindful of you leaving, so I just wanted to check. SMA, how it's different is that you invest in a portfolio. Now we invest we black with that. So we joined their investment committee along with our investment committee to come up with the investment in the estimate. The the biggest benefit is that we can chop and change investments straight away because you are just invested in a portfolio. Yes. We can talk a little bit more. Yes. Yep. Often, it's insurances and other investment fees, admin fees, and stuff like that. My screen has just frozen at the moment. I can what I can do is I can pull a withdrawal of report from Hub twenty four and email it to you as well. Just because it's kind of froze frozen at the moment. Now when is a good time for me to just kind of finish off this call with you? Should only maybe be another fifteen minutes to kind of go through the rest of there. Yep. Perfect. Now now when next week? Sorry. Do you prefer same time as now? So Tuesday afternoon, I am fully booked, but I can do Monday afternoon or Wednesday afternoon, same time as we did today. Let me see. Three. Yeah. I I can I can shuffle a few things around, and we can I can make that work? Yep. That is no problem. So that is Monday the thirtieth, and that is 04:30 your time. Yep. Perfect. Well, thank you so much for your time today, Jayesh, and I look forward to speaking with you. Finish this off on Monday. Yes. Yeah. Yes. Exactly. So we do wanna look at swapping that out as soon as we can. Sorry. So it yeah. So it's more of we've always it takes some time because you don't wanna make changes quickly because you don't wanna sell out while it's a loss because that mean you are crystallizing the losses. So there is a lot of obviously extensive research for the investment committee to obviously decide that it might not be the best thing moving forward. And because they historically have done so well, you also don't wanna pull the trigger too quickly because you also wanna make sure that if you're gonna come back around, then you wanna sell when it comes up a little bit. You don't wanna sell at the bottom unless you see it not going up. So it's only been more recently where the investment committee made the decision that we wanna look at swapping that out. Before then. You wanna give it some time as well to make sure if it's gonna come back around and if it's a bit more of of a good investment because you don't wanna sell at the bottom unless you have to. Mhmm. Mhmm. Yes. Yep. Exactly. Yeah. Mhmm. Like insurances? Yep. It's still yeah. So it's no. That's yeah. So what I'll do, because I know you might full time, I will get the withdrawal amount emailed through so you have it before call on Monday. I'll also send you some more information on the estimate so that you can again read up on it to see if it's something that you are interested in. And in this report, it shows you that even though you've had fees come out, it's still gone up only by about 3.6, but it's still up. So it hasn't grown as much, but it's still not down even after fees. So even in the the period, it's still gone up a little bit. So what I'll do is, like I said, I can send you this oh, you have it already, but I can send the portfolio withdrawals so that you have that in detail, a bit more information in regards to the SMA. If you have any other questions and stuff that you can think of, though, just please write them down, and we can go through it next Monday when we kind of finish off the under review. And then following the under review, I will go and do the research to then see which investments we wanna change for you potentially to make sure we have you in a better position. Yes. Yes. No. And by all means, write it down so we can go through everything together. Yep. Okay. Yeah. And it it's good to to go through it. But, yes, like I said, I will send this through to you, and we'll go through everything together on Monday. Yep. Perfect. Well, thank you so much for your time, and I look forward to speaking with you Monday. Bye.","confidence":0.9980987,"words":[{"word":"good","start":4.08,"end":4.3199997,"confidence":0.9985611,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.4893273413181305},{"word":"afternoon","start":4.3199997,"end":4.8199997,"confidence":0.99980074,"punctuated_word":"afternoon.","sentiment":"positive","sentiment_score":0.5082345604896545},{"word":"this","start":4.88,"end":5.12,"confidence":0.9998436,"punctuated_word":"This","sentiment":"positive","sentiment_score":0.4473889470100403},{"word":"is","start":5.12,"end":5.2799997,"confidence":0.9972705,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.38539811968803406},{"word":"veronica","start":5.2799997,"end":5.7599998,"confidence":0.97290695,"punctuated_word":"Veronica","sentiment":"positive","sentiment_score":0.4278953075408935},{"word":"from","start":5.7599998,"end":6.08,"confidence":0.9976203,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.37447646260261536},{"word":"oakview","start":6.08,"end":6.48,"confidence":0.5423621,"punctuated_word":"Oakview","sentiment":"neutral","sentiment_score":0.3001445531845093},{"word":"financial","start":6.48,"end":6.98,"confidence":0.997295,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.293287992477417},{"word":"how","start":7.2,"end":7.2799997,"confidence":0.9998921,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.32283180952072144},{"word":"are","start":7.2799997,"end":7.44,"confidence":0.99948454,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.28981608152389526},{"word":"you","start":7.44,"end":7.6,"confidence":0.9999763,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3310873806476593},{"word":"this","start":7.6,"end":7.8399997,"confidence":0.9999509,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.3552468419075012},{"word":"afternoon","start":7.8399997,"end":8.34,"confidence":0.99996465,"punctuated_word":"afternoon?","sentiment":"neutral","sentiment_score":0.3071415424346924},{"word":"i'm","start":9.92,"end":10.32,"confidence":0.96973586,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5357183218002319},{"word":"good","start":10.32,"end":10.8,"confidence":0.99898934,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5887778997421265},{"word":"thanks","start":10.8,"end":11.3,"confidence":0.99861145,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.6479810476303101},{"word":"i","start":12.08,"end":12.24,"confidence":0.73623264,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3898159861564636},{"word":"had","start":12.24,"end":12.48,"confidence":0.9630025,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.39623597264289856},{"word":"you","start":12.48,"end":12.639999,"confidence":0.9962302,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27432501316070557},{"word":"booked","start":12.639999,"end":12.88,"confidence":0.9985384,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.3019804358482361},{"word":"in","start":12.88,"end":13.12,"confidence":0.99901927,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3121798038482666},{"word":"for","start":13.12,"end":13.36,"confidence":0.9995776,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2743085026741028},{"word":"a","start":13.36,"end":13.44,"confidence":0.99986506,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2751009464263916},{"word":"little","start":13.44,"end":13.679999,"confidence":0.99990463,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.24286186695098877},{"word":"bit","start":13.679999,"end":13.84,"confidence":0.99991846,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2864724099636078},{"word":"of","start":13.84,"end":13.92,"confidence":0.9998709,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.31711456179618835},{"word":"a","start":13.92,"end":14.0,"confidence":0.99492365,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.365433931350708},{"word":"catch","start":14.0,"end":14.24,"confidence":0.99930453,"punctuated_word":"catch","sentiment":"positive","sentiment_score":0.44684165716171265},{"word":"up","start":14.24,"end":14.4,"confidence":0.99844,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.32752904295921326},{"word":"is","start":14.4,"end":14.559999,"confidence":0.66277575,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.2958489656448364},{"word":"now","start":14.559999,"end":14.719999,"confidence":0.89995176,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.32836171984672546},{"word":"still","start":14.719999,"end":14.88,"confidence":0.99589914,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.3039054274559021},{"word":"a","start":14.88,"end":15.04,"confidence":0.99123853,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3748584389686585},{"word":"good","start":15.04,"end":15.2,"confidence":0.9999294,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3368152976036072},{"word":"time","start":15.2,"end":15.36,"confidence":0.99983585,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.4289940893650055},{"word":"for","start":15.36,"end":15.599999,"confidence":0.99927396,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3847811222076416},{"word":"you","start":15.599999,"end":15.975,"confidence":0.9997896,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.3076018691062927},{"word":"yep","start":16.775,"end":17.275,"confidence":0.793954,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12481465190649033},{"word":"perfect","start":17.815,"end":18.315,"confidence":0.8201741,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5366238951683044},{"word":"now","start":18.935001,"end":19.255001,"confidence":0.71339655,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.18573212623596191},{"word":"just","start":19.255001,"end":19.495,"confidence":0.98887503,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09380944818258286},{"word":"before","start":19.495,"end":19.735,"confidence":0.999723,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.06456315517425537},{"word":"i","start":19.735,"end":19.815,"confidence":0.9999368,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09732108563184738},{"word":"do","start":19.815,"end":20.055,"confidence":0.99993837,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08948113024234772},{"word":"go","start":20.055,"end":20.215,"confidence":0.99973947,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.09209367632865906},{"word":"any","start":20.215,"end":20.455,"confidence":0.99983704,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.04938151314854622},{"word":"further","start":20.455,"end":20.775,"confidence":0.99856377,"punctuated_word":"further,","sentiment":"neutral","sentiment_score":0.03525242954492569},{"word":"i","start":20.775,"end":20.935001,"confidence":0.99988925,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.053758811205625534},{"word":"just","start":20.935001,"end":21.095001,"confidence":0.99958664,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07278787344694138},{"word":"need","start":21.095001,"end":21.335,"confidence":0.99991906,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.05443225055932999},{"word":"to","start":21.335,"end":21.495,"confidence":0.9996125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.061864931136369705},{"word":"let","start":21.495,"end":21.735,"confidence":0.99984944,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.06264928728342056},{"word":"you","start":21.735,"end":21.815,"confidence":0.9992781,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0545819029211998},{"word":"know","start":21.815,"end":22.055,"confidence":0.99995303,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.04479554295539856},{"word":"that","start":22.055,"end":22.295,"confidence":0.9997315,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.045474059879779816},{"word":"our","start":22.295,"end":22.455,"confidence":0.9986664,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.028266292065382004},{"word":"calls","start":22.455,"end":22.775,"confidence":0.9992962,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.04018881171941757},{"word":"are","start":22.775,"end":22.935001,"confidence":0.9998815,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.03698580712080002},{"word":"being","start":22.935001,"end":23.175,"confidence":0.9998449,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.03800328075885773},{"word":"recorded","start":23.175,"end":23.655,"confidence":0.9999496,"punctuated_word":"recorded","sentiment":"neutral","sentiment_score":0.03383581340312958},{"word":"for","start":23.655,"end":23.895,"confidence":0.9997832,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.029649782925844193},{"word":"quality","start":23.895,"end":24.215,"confidence":0.99997985,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.04210270941257477},{"word":"and","start":24.215,"end":24.375,"confidence":0.99967206,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.028429701924324036},{"word":"coaching","start":24.375,"end":24.855,"confidence":0.9994765,"punctuated_word":"coaching","sentiment":"neutral","sentiment_score":0.0636654645204544},{"word":"purposes","start":24.855,"end":25.335,"confidence":0.8479311,"punctuated_word":"purposes,","sentiment":"neutral","sentiment_score":0.05933823436498642},{"word":"if","start":25.335,"end":25.494999,"confidence":0.99889225,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08697579056024551},{"word":"that's","start":25.494999,"end":25.815,"confidence":0.9999789,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.06999115645885468},{"word":"okay","start":25.815,"end":26.315,"confidence":0.7743274,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.08297151327133179},{"word":"perfect","start":27.815,"end":28.315,"confidence":0.9988111,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3882688879966736},{"word":"and","start":28.375,"end":28.615,"confidence":0.99902725,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12505123019218445},{"word":"just","start":28.615,"end":28.775,"confidence":0.99973446,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10259875655174255},{"word":"to","start":28.775,"end":28.935001,"confidence":0.99978477,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09279217571020126},{"word":"confirm","start":28.935001,"end":29.335,"confidence":0.9999348,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.12957248091697693},{"word":"i","start":29.335,"end":29.494999,"confidence":0.982463,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09785649925470352},{"word":"am","start":29.494999,"end":29.735,"confidence":0.9997242,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.07824049144983292},{"word":"speaking","start":29.735,"end":30.135,"confidence":0.9999274,"punctuated_word":"speaking","sentiment":"neutral","sentiment_score":0.05587553232908249},{"word":"with","start":30.135,"end":30.455,"confidence":0.9998349,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04542430490255356},{"word":"the","start":30.455,"end":30.615,"confidence":0.9999001,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06461487710475922},{"word":"right","start":30.615,"end":30.99,"confidence":0.9998274,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.09153688699007034},{"word":"person","start":31.23,"end":31.63,"confidence":0.9971707,"punctuated_word":"person,","sentiment":"neutral","sentiment_score":0.08483593910932541},{"word":"could","start":31.63,"end":31.869999,"confidence":0.99840564,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.08104703575372696},{"word":"you","start":31.869999,"end":32.03,"confidence":0.99988925,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0707174763083458},{"word":"just","start":32.03,"end":32.27,"confidence":0.9995177,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07457542419433594},{"word":"confirm","start":32.27,"end":32.75,"confidence":0.99946743,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.05318798869848251},{"word":"your","start":32.75,"end":32.91,"confidence":0.99867463,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05486449599266052},{"word":"full","start":32.91,"end":33.15,"confidence":0.9999143,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.06725402921438217},{"word":"name","start":33.15,"end":33.63,"confidence":0.9825914,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.048042092472314835},{"word":"date","start":33.63,"end":33.87,"confidence":0.961169,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.07139023393392563},{"word":"of","start":33.87,"end":34.03,"confidence":0.9975466,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.056999921798706055},{"word":"birth","start":34.03,"end":34.35,"confidence":0.99207604,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.06765702366828918},{"word":"and","start":34.35,"end":34.75,"confidence":0.99959403,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.059534952044487},{"word":"address","start":34.75,"end":35.15,"confidence":0.9995932,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.057626157999038696},{"word":"for","start":35.15,"end":35.309998,"confidence":0.913826,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07288038730621338},{"word":"me","start":35.309998,"end":35.47,"confidence":0.9995822,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.06196713447570801},{"word":"please","start":35.47,"end":35.97,"confidence":0.99506575,"punctuated_word":"please?","sentiment":"neutral","sentiment_score":0.056057002395391464},{"word":"perfect","start":44.685,"end":45.085,"confidence":0.88598543,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5204812288284302},{"word":"that's","start":45.085,"end":45.405003,"confidence":0.9818217,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.48701661825180054},{"word":"exactly","start":45.405003,"end":45.805,"confidence":0.9993899,"punctuated_word":"exactly","sentiment":"positive","sentiment_score":0.5708698630332947},{"word":"what","start":45.805,"end":45.965,"confidence":0.99990535,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.5659938454627991},{"word":"i","start":45.965,"end":46.045002,"confidence":0.9999064,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5307836532592773},{"word":"have","start":46.045002,"end":46.205,"confidence":0.99984515,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4895741045475006},{"word":"here","start":46.205,"end":46.705,"confidence":0.9997426,"punctuated_word":"here.","sentiment":"positive","sentiment_score":0.5411820411682129},{"word":"how's","start":46.845,"end":47.165,"confidence":0.97478,"punctuated_word":"How's","sentiment":"neutral","sentiment_score":0.13839100301265717},{"word":"your","start":47.165,"end":47.325,"confidence":0.9978309,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10533636063337326},{"word":"day","start":47.325,"end":47.485,"confidence":0.9999131,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.16983386874198914},{"word":"been","start":47.485,"end":47.645,"confidence":0.98994726,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.1214093416929245},{"word":"so","start":47.645,"end":47.885002,"confidence":0.9989722,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.10353711247444151},{"word":"far","start":47.885002,"end":48.125,"confidence":0.99350333,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.0974131077528},{"word":"been","start":48.125,"end":48.365,"confidence":0.97028434,"punctuated_word":"Been","sentiment":"neutral","sentiment_score":-0.04688550159335136},{"word":"busy","start":48.365,"end":48.865,"confidence":0.99812806,"punctuated_word":"busy?","sentiment":"neutral","sentiment_score":0.009738974273204803},{"word":"well","start":51.325,"end":51.565002,"confidence":0.9616357,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.04151338338851929},{"word":"i'll","start":51.565002,"end":51.725002,"confidence":0.99371815,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.03962106257677078},{"word":"try","start":51.725002,"end":51.885002,"confidence":0.9991635,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.010154210031032562},{"word":"not","start":51.885002,"end":52.125,"confidence":0.99757344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.04350320249795914},{"word":"to","start":52.125,"end":52.205,"confidence":0.974855,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.058062873780727386},{"word":"keep","start":52.205,"end":52.365,"confidence":0.55029154,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.08179999887943268},{"word":"you","start":52.365,"end":52.445,"confidence":0.9961836,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.032863467931747437},{"word":"for","start":52.445,"end":52.685,"confidence":0.997248,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.040171362459659576},{"word":"too","start":52.685,"end":52.925003,"confidence":0.9996898,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.08236676454544067},{"word":"long","start":52.925003,"end":53.425003,"confidence":0.9998077,"punctuated_word":"long.","sentiment":"neutral","sentiment_score":-0.013540979474782944},{"word":"essentially","start":54.125,"end":54.625,"confidence":0.921568,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.03972705453634262},{"word":"i","start":54.685,"end":54.845,"confidence":0.9999062,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07708185911178589},{"word":"do","start":54.845,"end":55.085,"confidence":0.99991024,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09950923174619676},{"word":"have","start":55.085,"end":55.325,"confidence":0.9996778,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06665243208408356},{"word":"you","start":55.325,"end":55.485,"confidence":0.9995604,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.055173732340335846},{"word":"booked","start":55.485,"end":55.77,"confidence":0.99963,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.10254308581352234},{"word":"in","start":56.010002,"end":56.510002,"confidence":0.99989283,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09664347767829896},{"word":"because","start":56.65,"end":56.89,"confidence":0.81651586,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.08407473564147949},{"word":"i","start":56.89,"end":56.97,"confidence":0.9882146,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08709657192230225},{"word":"believe","start":56.97,"end":57.29,"confidence":0.9999603,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":0.0851370170712471},{"word":"you","start":57.29,"end":57.45,"confidence":0.99955374,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11075548082590105},{"word":"had","start":57.45,"end":57.53,"confidence":0.99900144,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.09595850110054016},{"word":"a","start":57.53,"end":57.61,"confidence":0.99948776,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07580514997243881},{"word":"couple","start":57.61,"end":57.85,"confidence":0.99994993,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.07004106044769287},{"word":"of","start":57.85,"end":58.010002,"confidence":0.998877,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05142438784241676},{"word":"questions","start":58.010002,"end":58.41,"confidence":0.999479,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.08608435839414597},{"word":"in","start":58.41,"end":58.65,"confidence":0.99973816,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05703139677643776},{"word":"regards","start":58.65,"end":59.05,"confidence":0.9993837,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.045563094317913055},{"word":"to","start":59.05,"end":59.45,"confidence":0.7173289,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0646909549832344},{"word":"the","start":59.45,"end":59.85,"confidence":0.8060067,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08326031267642975},{"word":"child","start":59.85,"end":60.25,"confidence":0.9620228,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.07705069333314896},{"word":"bond","start":60.25,"end":60.49,"confidence":0.9846125,"punctuated_word":"bond","sentiment":"neutral","sentiment_score":0.11266230046749116},{"word":"with","start":60.49,"end":60.81,"confidence":0.9945338,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1183888018131256},{"word":"gen","start":60.81,"end":61.05,"confidence":0.66480535,"punctuated_word":"Gen","sentiment":"neutral","sentiment_score":0.13248896598815918},{"word":"life","start":61.05,"end":61.55,"confidence":0.7052565,"punctuated_word":"Life.","sentiment":"neutral","sentiment_score":0.12665900588035583},{"word":"yeah","start":63.13,"end":63.63,"confidence":0.9767184,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04951373487710953},{"word":"and","start":64.49,"end":64.65,"confidence":0.9705622,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04856101423501968},{"word":"i","start":64.65,"end":64.81,"confidence":0.9994368,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.045254312455654144},{"word":"can","start":64.81,"end":65.05,"confidence":0.9998498,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06016012281179428},{"word":"see","start":65.05,"end":65.37,"confidence":0.99884796,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.05701854825019837},{"word":"here","start":65.37,"end":65.61,"confidence":0.9864204,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.0554329976439476},{"word":"that","start":65.61,"end":65.85,"confidence":0.99952614,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05345740169286728},{"word":"you","start":65.85,"end":66.17,"confidence":0.9922726,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03644302487373352},{"word":"your","start":66.33,"end":66.57,"confidence":0.99875987,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.040314190089702606},{"word":"main","start":66.57,"end":67.05,"confidence":0.999718,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.05868528410792351},{"word":"kind","start":67.05,"end":67.21,"confidence":0.97150505,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04362224042415619},{"word":"of","start":67.21,"end":67.37,"confidence":0.9997315,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02750636823475361},{"word":"question","start":67.37,"end":67.770004,"confidence":0.999331,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.04241160303354263},{"word":"was","start":67.770004,"end":68.09,"confidence":0.9993843,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.03397912159562111},{"word":"in","start":68.09,"end":68.41,"confidence":0.9995871,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03155817091464996},{"word":"regards","start":68.41,"end":68.81,"confidence":0.9979551,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.02977890707552433},{"word":"to","start":68.81,"end":69.05,"confidence":0.87880814,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04286626726388931},{"word":"making","start":69.05,"end":69.45,"confidence":0.9988153,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.06734319031238556},{"word":"additional","start":69.45,"end":69.95,"confidence":0.99956125,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.07176724076271057},{"word":"kind","start":70.09,"end":70.17,"confidence":0.96737784,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.05353182554244995},{"word":"of","start":70.17,"end":70.33,"confidence":0.99970466,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05839461833238602},{"word":"lump","start":70.33,"end":70.65,"confidence":0.99969864,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.0494452640414238},{"word":"sum","start":70.65,"end":70.89,"confidence":0.9972318,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.0893416702747345},{"word":"contributions","start":70.89,"end":71.39,"confidence":0.99892247,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.08454511314630508},{"word":"for","start":71.845,"end":72.085,"confidence":0.998596,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0673023983836174},{"word":"your","start":72.085,"end":72.165,"confidence":0.99926645,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.062339745461940765},{"word":"children","start":72.165,"end":72.665,"confidence":0.75685894,"punctuated_word":"children?","sentiment":"neutral","sentiment_score":0.06061866134405136},{"word":"correct","start":78.085,"end":78.585,"confidence":0.8201573,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.05657915771007538},{"word":"correct","start":85.619995,"end":86.1,"confidence":0.92884696,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.06219986081123352},{"word":"yes","start":86.1,"end":86.42,"confidence":0.958729,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06011978164315224},{"word":"that's","start":86.42,"end":86.659996,"confidence":0.9989542,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.022571174427866936},{"word":"correct","start":86.659996,"end":87.159996,"confidence":0.9995017,"punctuated_word":"correct.","sentiment":"neutral","sentiment_score":0.03469106927514076},{"word":"correct","start":92.1,"end":92.6,"confidence":0.9958967,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.10135403275489809},{"word":"that's","start":92.659996,"end":92.979996,"confidence":0.99695325,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.12062706798315048},{"word":"correct","start":92.979996,"end":93.479996,"confidence":0.9975419,"punctuated_word":"correct.","sentiment":"neutral","sentiment_score":0.14607921242713928},{"word":"yeah","start":98.755,"end":98.91499,"confidence":0.79591227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07835070788860321},{"word":"yes","start":98.91499,"end":99.41499,"confidence":0.9672056,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07329043000936508},{"word":"sorry","start":99.795,"end":100.295,"confidence":0.77190924,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":0.06572365015745163},{"word":"definitely","start":100.354996,"end":100.854996,"confidence":0.7954849,"punctuated_word":"Definitely,","sentiment":"neutral","sentiment_score":0.19701282680034635},{"word":"the","start":100.994995,"end":101.155,"confidence":0.99977,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2664283514022827},{"word":"first","start":101.155,"end":101.475,"confidence":0.99927443,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.2847306728363037},{"word":"twelve","start":101.475,"end":101.795,"confidence":0.9985978,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.19472169876098633},{"word":"months","start":101.795,"end":102.295,"confidence":0.99695086,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.23876255750656128},{"word":"is","start":102.435,"end":102.755,"confidence":0.87603855,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4216268062591553},{"word":"great","start":102.755,"end":103.075,"confidence":0.9993917,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.4673328995704651},{"word":"because","start":103.075,"end":103.395,"confidence":0.8607744,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.3288402259349823},{"word":"it","start":103.395,"end":103.634995,"confidence":0.7233002,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.35817256569862366},{"word":"does","start":103.634995,"end":103.954994,"confidence":0.99886394,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.39752793312072754},{"word":"give","start":103.954994,"end":104.19499,"confidence":0.99486285,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.3389609754085541},{"word":"you","start":104.19499,"end":104.354996,"confidence":0.99961996,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.33793434500694275},{"word":"that","start":104.354996,"end":104.854996,"confidence":0.87450254,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.36078158020973206},{"word":"flexibility","start":104.994995,"end":105.494995,"confidence":0.99140835,"punctuated_word":"flexibility.","sentiment":"neutral","sentiment_score":0.23441535234451297},{"word":"so","start":106.59499,"end":106.91499,"confidence":0.962022,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16914664208889008},{"word":"if","start":106.91499,"end":107.075,"confidence":0.87507546,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16630545258522034},{"word":"it","start":107.075,"end":107.23499,"confidence":0.9868357,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.157319113612175},{"word":"is","start":107.23499,"end":107.395,"confidence":0.95971954,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14496055245399475},{"word":"that","start":107.395,"end":107.55499,"confidence":0.9671067,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16501571238040924},{"word":"you","start":107.55499,"end":107.715,"confidence":0.9988121,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1737593710422516},{"word":"do","start":107.715,"end":107.875,"confidence":0.9997092,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13442742824554443},{"word":"have","start":107.875,"end":108.034996,"confidence":0.9993753,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11392201483249664},{"word":"a","start":108.034996,"end":108.115,"confidence":0.9995364,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14045047760009766},{"word":"bit","start":108.115,"end":108.274994,"confidence":0.99942076,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.15353550016880035},{"word":"of","start":108.274994,"end":108.435,"confidence":0.99983525,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17374122142791748},{"word":"a","start":108.435,"end":108.515,"confidence":0.99629384,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1515444815158844},{"word":"lump","start":108.515,"end":108.755,"confidence":0.99933916,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.12092480063438416},{"word":"sum","start":108.755,"end":109.075,"confidence":0.9990946,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.16653165221214294},{"word":"that","start":109.075,"end":109.23499,"confidence":0.9993512,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1550205945968628},{"word":"you","start":109.23499,"end":109.395,"confidence":0.99988484,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15900196135044098},{"word":"do","start":109.395,"end":109.634995,"confidence":0.99975556,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12932530045509338},{"word":"wanna","start":109.634995,"end":110.134995,"confidence":0.99837637,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.14880718290805817},{"word":"put","start":110.274994,"end":110.515,"confidence":0.9987961,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.1403288096189499},{"word":"in","start":110.515,"end":111.015,"confidence":0.99200654,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.1192706823348999},{"word":"most","start":112.409996,"end":112.729996,"confidence":0.9657024,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.1041780561208725},{"word":"definitely","start":112.729996,"end":113.229996,"confidence":0.9065735,"punctuated_word":"definitely,","sentiment":"neutral","sentiment_score":0.07237828522920609},{"word":"drew","start":113.69,"end":113.93,"confidence":0.8972304,"punctuated_word":"Drew,","sentiment":"neutral","sentiment_score":0.050881098955869675},{"word":"sorry","start":113.93,"end":114.33,"confidence":0.9776606,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":0.0354020819067955},{"word":"within","start":114.33,"end":114.65,"confidence":0.9998617,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.03798006474971771},{"word":"the","start":114.65,"end":114.89,"confidence":0.9993709,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07419649511575699},{"word":"first","start":114.89,"end":115.369995,"confidence":0.9985892,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.032635629177093506},{"word":"twelve","start":115.369995,"end":115.69,"confidence":0.9995932,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.023479469120502472},{"word":"months","start":115.69,"end":116.19,"confidence":0.91776824,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":0.05454429239034653},{"word":"i","start":116.729996,"end":116.89,"confidence":0.8431366,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1077633947134018},{"word":"did","start":116.89,"end":117.13,"confidence":0.99906963,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.09043949097394945},{"word":"have","start":117.13,"end":117.21,"confidence":0.9999094,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10223129391670228},{"word":"a","start":117.21,"end":117.29,"confidence":0.99913055,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0820046216249466},{"word":"look","start":117.29,"end":117.53,"confidence":0.9999343,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07432113587856293},{"word":"as","start":117.53,"end":117.77,"confidence":0.9525272,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10386963188648224},{"word":"well","start":117.77,"end":117.93,"confidence":0.99370354,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.10890908539295197},{"word":"just","start":117.93,"end":118.17,"confidence":0.9549068,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12144961953163148},{"word":"to","start":118.17,"end":118.33,"confidence":0.99874336,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08807045221328735},{"word":"confirm","start":118.33,"end":118.729996,"confidence":0.93739253,"punctuated_word":"confirm,","sentiment":"neutral","sentiment_score":0.1156516894698143},{"word":"and","start":118.729996,"end":118.89,"confidence":0.9998068,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12180684506893158},{"word":"you","start":118.89,"end":119.13,"confidence":0.9999163,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1303158700466156},{"word":"are","start":119.13,"end":119.369995,"confidence":0.9998099,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1153753399848938},{"word":"correct","start":119.369995,"end":119.77,"confidence":0.8908983,"punctuated_word":"correct,","sentiment":"neutral","sentiment_score":0.12763959169387817},{"word":"that","start":119.77,"end":119.93,"confidence":0.9965463,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08349327743053436},{"word":"the","start":119.93,"end":120.17,"confidence":0.99829346,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06751707941293716},{"word":"anniversary","start":120.17,"end":120.67,"confidence":0.99975735,"punctuated_word":"anniversary","sentiment":"neutral","sentiment_score":0.07673348486423492},{"word":"date","start":120.729996,"end":120.89,"confidence":0.99398065,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.05195813253521919},{"word":"is","start":120.89,"end":121.13,"confidence":0.99473876,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.044148679822683334},{"word":"the","start":121.13,"end":121.29,"confidence":0.9918743,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0455443300306797},{"word":"april","start":121.29,"end":121.94,"confidence":0.99937797,"punctuated_word":"April","sentiment":"neutral","sentiment_score":0.05657947063446045},{"word":"22","start":121.94,"end":122.59,"confidence":0.99937797,"punctuated_word":"22.","sentiment":"neutral","sentiment_score":0.006154009606689215},{"word":"so","start":123.05,"end":123.21,"confidence":0.83879465,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1948290318250656},{"word":"if","start":123.21,"end":123.369995,"confidence":0.95092857,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19815044105052948},{"word":"it","start":123.369995,"end":123.53,"confidence":0.99828076,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.19973841309547424},{"word":"is","start":123.53,"end":123.69,"confidence":0.9954978,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17906171083450317},{"word":"that","start":123.69,"end":123.85,"confidence":0.9971263,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23567841947078705},{"word":"you","start":123.85,"end":123.93,"confidence":0.9998386,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24826401472091675},{"word":"do","start":123.93,"end":124.09,"confidence":0.99966455,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.3246108889579773},{"word":"have","start":124.09,"end":124.33,"confidence":0.9996959,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.27668166160583496},{"word":"a","start":124.33,"end":124.409996,"confidence":0.99962485,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2601770758628845},{"word":"little","start":124.409996,"end":124.65,"confidence":0.99995077,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.22999024391174316},{"word":"bit","start":124.65,"end":124.81,"confidence":0.9994999,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.22027161717414856},{"word":"that","start":124.81,"end":124.97,"confidence":0.9989202,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2571130692958832},{"word":"you","start":124.97,"end":125.13,"confidence":0.9999213,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27240070700645447},{"word":"wanna","start":125.13,"end":125.355,"confidence":0.9994856,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2625717520713806},{"word":"put","start":125.355,"end":125.51501,"confidence":0.9998871,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.22321254014968872},{"word":"in","start":125.51501,"end":125.675,"confidence":0.99868226,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.2306392341852188},{"word":"i","start":125.675,"end":125.755005,"confidence":0.99976474,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.28542160987854004},{"word":"suggest","start":125.755005,"end":126.235,"confidence":0.98240256,"punctuated_word":"suggest","sentiment":"neutral","sentiment_score":0.2625865340232849},{"word":"doing","start":126.235,"end":126.475006,"confidence":0.9969111,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.3650087118148804},{"word":"that","start":126.475006,"end":126.795006,"confidence":0.9995421,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.29721829295158386},{"word":"before","start":126.795006,"end":127.195,"confidence":0.99337405,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.2740371525287628},{"word":"the","start":127.195,"end":127.355,"confidence":0.99966216,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28905707597732544},{"word":"april","start":127.355,"end":127.965,"confidence":0.9985166,"punctuated_word":"April","sentiment":"neutral","sentiment_score":0.23084816336631775},{"word":"22","start":127.965,"end":128.575,"confidence":0.9985166,"punctuated_word":"22","sentiment":"neutral","sentiment_score":0.3319143056869507},{"word":"just","start":128.875,"end":129.115,"confidence":0.9158263,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.366536408662796},{"word":"to","start":129.115,"end":129.27501,"confidence":0.9996226,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.29471123218536377},{"word":"give","start":129.27501,"end":129.435,"confidence":0.9999182,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.3881283104419708},{"word":"you","start":129.435,"end":129.675,"confidence":0.99984,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4818914234638214},{"word":"that","start":129.675,"end":129.91501,"confidence":0.9995074,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4200190007686615},{"word":"flexibility","start":129.91501,"end":130.41501,"confidence":0.9992551,"punctuated_word":"flexibility","sentiment":"neutral","sentiment_score":0.3202076852321625},{"word":"for","start":130.875,"end":131.115,"confidence":0.99945253,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.42866653203964233},{"word":"the","start":131.115,"end":131.27501,"confidence":0.99963176,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4234951734542846},{"word":"next","start":131.27501,"end":131.755,"confidence":0.999808,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.3216206729412079},{"word":"couple","start":131.755,"end":132.075,"confidence":0.99975497,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.32085198163986206},{"word":"of","start":132.075,"end":132.235,"confidence":0.9995608,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4530646502971649},{"word":"years","start":132.235,"end":132.735,"confidence":0.8378128,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.31785884499549866},{"word":"because","start":133.835,"end":134.335,"confidence":0.9518555,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.13897821307182312},{"word":"after","start":134.55501,"end":134.875,"confidence":0.99536467,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.13337580859661102},{"word":"the","start":134.875,"end":135.035,"confidence":0.99973863,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1612076312303543},{"word":"first","start":135.035,"end":135.27501,"confidence":0.9994242,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.1067875549197197},{"word":"twelve","start":135.27501,"end":135.595,"confidence":0.9996439,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.1457507312297821},{"word":"months","start":135.595,"end":135.995,"confidence":0.99773014,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.1427561640739441},{"word":"it","start":135.995,"end":136.155,"confidence":0.9991192,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09892996400594713},{"word":"is","start":136.155,"end":136.395,"confidence":0.99490285,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10145745426416396},{"word":"that","start":136.395,"end":136.63501,"confidence":0.93331736,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17265759408473969},{"word":"125","start":136.63501,"end":138.175,"confidence":0.99812174,"punctuated_word":"125","sentiment":"neutral","sentiment_score":0.12535154819488523},{"word":"rule","start":138.395,"end":138.895,"confidence":0.99522537,"punctuated_word":"rule.","sentiment":"neutral","sentiment_score":0.16730636358261108},{"word":"so","start":139.49,"end":139.65,"confidence":0.9173021,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.13784295320510864},{"word":"basically","start":139.65,"end":140.15,"confidence":0.9995833,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.10104161500930786},{"word":"if","start":140.45,"end":140.69,"confidence":0.9983089,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0912146270275116},{"word":"you","start":140.69,"end":140.84999,"confidence":0.9999614,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09215785562992096},{"word":"because","start":141.09,"end":141.25,"confidence":0.9955754,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.06472021341323853},{"word":"i","start":141.25,"end":141.33,"confidence":0.9949425,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0728745087981224},{"word":"think","start":141.33,"end":141.49,"confidence":0.99996305,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.04120869934558869},{"word":"you're","start":141.49,"end":141.73,"confidence":0.9988222,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05333603918552399},{"word":"doing","start":141.73,"end":141.89,"confidence":0.9991868,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.07190965116024017},{"word":"the","start":141.89,"end":142.05,"confidence":0.9971951,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08398383110761642},{"word":"$250","start":142.05,"end":143.09,"confidence":0.9820452,"punctuated_word":"$250","sentiment":"neutral","sentiment_score":0.08899331092834473},{"word":"per","start":143.09,"end":143.33,"confidence":0.99916375,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.10154546797275545},{"word":"month","start":143.33,"end":143.65,"confidence":0.99955267,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.09004746377468109},{"word":"contributions","start":143.65,"end":144.15,"confidence":0.95507246,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":0.06894337385892868},{"word":"is","start":144.37,"end":144.53,"confidence":0.99991894,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.06272190064191818},{"word":"that","start":144.53,"end":144.69,"confidence":0.9999721,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08371418714523315},{"word":"correct","start":144.69,"end":145.19,"confidence":0.99991465,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.09201949834823608},{"word":"yep","start":145.81,"end":146.31,"confidence":0.75712144,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.33124715089797974},{"word":"so","start":146.61,"end":146.84999,"confidence":0.99560577,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3269711434841156},{"word":"if","start":146.84999,"end":147.17,"confidence":0.93479574,"punctuated_word":"if,","sentiment":"neutral","sentiment_score":0.3274586796760559},{"word":"for","start":147.17,"end":147.41,"confidence":0.99996054,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.23913997411727905},{"word":"example","start":147.41,"end":147.91,"confidence":0.9998278,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":0.21272701025009155},{"word":"you","start":148.05,"end":148.29,"confidence":0.99987257,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29775816202163696},{"word":"do","start":148.29,"end":148.79,"confidence":0.99274784,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.28847092390060425},{"word":"$250","start":149.01,"end":150.13,"confidence":0.9824883,"punctuated_word":"$250","sentiment":"neutral","sentiment_score":0.3070426881313324},{"word":"for","start":150.13,"end":150.29,"confidence":0.9969981,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.24532057344913483},{"word":"twelve","start":150.29,"end":150.61,"confidence":0.99985254,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.2605336010456085},{"word":"months","start":150.61,"end":150.84999,"confidence":0.9993969,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.24361886084079745},{"word":"and","start":150.84999,"end":151.01,"confidence":0.6440007,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2471631020307541},{"word":"then","start":151.01,"end":151.17,"confidence":0.9998647,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.243473082780838},{"word":"you","start":151.17,"end":151.33,"confidence":0.9995914,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3083103597164154},{"word":"do","start":151.33,"end":151.73,"confidence":0.98909044,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.30756616592407227},{"word":"let's","start":151.73,"end":151.97,"confidence":0.9990517,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.291409969329834},{"word":"say","start":151.97,"end":152.20999,"confidence":0.98439586,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.281096875667572},{"word":"10,000","start":152.20999,"end":152.95,"confidence":0.99985194,"punctuated_word":"10,000","sentiment":"positive","sentiment_score":0.3606965839862823},{"word":"as","start":153.41,"end":153.56999,"confidence":0.9850994,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2825014293193817},{"word":"a","start":153.56999,"end":153.73,"confidence":0.99936754,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2949652671813965},{"word":"lump","start":153.73,"end":154.05,"confidence":0.99989724,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.32027900218963623},{"word":"sum","start":154.05,"end":154.55,"confidence":0.98903334,"punctuated_word":"sum,","sentiment":"positive","sentiment_score":0.33985304832458496},{"word":"that","start":155.315,"end":155.475,"confidence":0.9993143,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3253791928291321},{"word":"means","start":155.475,"end":155.71501,"confidence":0.99994373,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.24011681973934176},{"word":"that","start":155.71501,"end":155.955,"confidence":0.9995443,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2893427312374115},{"word":"in","start":155.955,"end":156.035,"confidence":0.99316734,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.31402790546417236},{"word":"a","start":156.035,"end":156.195,"confidence":0.998486,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31800103187561035},{"word":"twelve","start":156.195,"end":156.435,"confidence":0.999861,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.2658810615539551},{"word":"month","start":156.435,"end":156.675,"confidence":0.9982665,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.22892628610134125},{"word":"period","start":156.675,"end":157.07501,"confidence":0.9246292,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":0.30710482597351074},{"word":"you've","start":157.07501,"end":157.315,"confidence":0.9995276,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.34529444575309753},{"word":"done","start":157.315,"end":157.815,"confidence":0.9997954,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.3127061724662781},{"word":"six","start":157.875,"end":158.115,"confidence":0.67735934,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.29168662428855896},{"word":"sorry","start":158.595,"end":158.99501,"confidence":0.86000466,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":0.24734950065612793},{"word":"$13,000","start":158.99501,"end":160.295,"confidence":0.9732198,"punctuated_word":"$13,000.","sentiment":"neutral","sentiment_score":0.30673035979270935},{"word":"then","start":161.07501,"end":161.57501,"confidence":0.9988392,"punctuated_word":"Then","sentiment":"neutral","sentiment_score":0.28796762228012085},{"word":"next","start":161.875,"end":162.27501,"confidence":0.9935743,"punctuated_word":"next","sentiment":"positive","sentiment_score":0.39775291085243225},{"word":"year","start":162.27501,"end":162.595,"confidence":0.99554384,"punctuated_word":"year,","sentiment":"positive","sentiment_score":0.4350903034210205},{"word":"that","start":162.595,"end":162.835,"confidence":0.9999124,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4537412822246551},{"word":"means","start":162.835,"end":163.07501,"confidence":0.99990857,"punctuated_word":"means","sentiment":"positive","sentiment_score":0.4119075834751129},{"word":"that","start":163.07501,"end":163.315,"confidence":0.9994424,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4941494166851044},{"word":"you","start":163.315,"end":163.475,"confidence":0.9999434,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5127931833267212},{"word":"can","start":163.475,"end":163.63501,"confidence":0.9999198,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.490885853767395},{"word":"do","start":163.63501,"end":163.955,"confidence":0.9995647,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.49865490198135376},{"word":"a","start":163.955,"end":164.115,"confidence":0.9994197,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5086894035339355},{"word":"125","start":164.115,"end":165.155,"confidence":0.99924695,"punctuated_word":"125","sentiment":"positive","sentiment_score":0.4932461380958557},{"word":"percent","start":165.155,"end":165.63501,"confidence":0.9995571,"punctuated_word":"percent","sentiment":"positive","sentiment_score":0.48545241355896},{"word":"of","start":165.63501,"end":165.795,"confidence":0.9910035,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4526106119155884},{"word":"that","start":165.795,"end":166.035,"confidence":0.99969494,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.4618798494338989},{"word":"you","start":166.035,"end":166.115,"confidence":0.9998989,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.415082186460495},{"word":"don't","start":166.115,"end":166.435,"confidence":0.99980223,"punctuated_word":"don't","sentiment":"positive","sentiment_score":0.3859533071517944},{"word":"have","start":166.435,"end":166.675,"confidence":0.99989605,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3583918809890747},{"word":"to","start":166.675,"end":166.835,"confidence":0.98969585,"punctuated_word":"to.","sentiment":"positive","sentiment_score":0.3800477385520935},{"word":"it","start":166.835,"end":166.99501,"confidence":0.84236264,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.34036731719970703},{"word":"just","start":166.99501,"end":167.155,"confidence":0.9993912,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3608134388923645},{"word":"means","start":167.155,"end":167.395,"confidence":0.9997292,"punctuated_word":"means","sentiment":"positive","sentiment_score":0.373041033744812},{"word":"that","start":167.395,"end":167.63501,"confidence":0.99961746,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4444976150989533},{"word":"it","start":167.63501,"end":167.795,"confidence":0.9980128,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4529111385345459},{"word":"allows","start":167.795,"end":168.195,"confidence":0.9998698,"punctuated_word":"allows","sentiment":"positive","sentiment_score":0.4604603946208954},{"word":"you","start":168.195,"end":168.35501,"confidence":0.99941957,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4720615148544311},{"word":"to","start":168.35501,"end":168.69,"confidence":0.98157424,"punctuated_word":"to.","sentiment":"positive","sentiment_score":0.42037278413772583},{"word":"so","start":168.93001,"end":169.09,"confidence":0.98128384,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4469293653964996},{"word":"that","start":169.09,"end":169.17,"confidence":0.9997639,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5085082650184631},{"word":"would","start":169.17,"end":169.41,"confidence":0.9998342,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.4883964955806732},{"word":"mean","start":169.41,"end":169.73,"confidence":0.99972445,"punctuated_word":"mean","sentiment":"positive","sentiment_score":0.49660834670066833},{"word":"that","start":169.73,"end":169.89,"confidence":0.9996562,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5176424384117126},{"word":"you","start":169.89,"end":170.13,"confidence":0.9998093,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5300773978233337},{"word":"can","start":170.13,"end":170.53,"confidence":0.99989283,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4945580661296845},{"word":"do","start":170.53,"end":170.77,"confidence":0.9993216,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.5008412599563599},{"word":"up","start":170.77,"end":171.01001,"confidence":0.9996145,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.40432918071746826},{"word":"to","start":171.01001,"end":171.51001,"confidence":0.7103119,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.47262898087501526},{"word":"16,250","start":171.65001,"end":174.23,"confidence":0.99684244,"punctuated_word":"16,250","sentiment":"positive","sentiment_score":0.4833661615848541},{"word":"without","start":174.61,"end":175.09,"confidence":0.99805,"punctuated_word":"without","sentiment":"neutral","sentiment_score":0.3261507749557495},{"word":"resetting","start":175.09,"end":175.57,"confidence":0.99992144,"punctuated_word":"resetting","sentiment":"neutral","sentiment_score":0.27942657470703125},{"word":"any","start":175.57,"end":175.81,"confidence":0.9991844,"punctuated_word":"any","sentiment":"positive","sentiment_score":0.3508707284927368},{"word":"time","start":175.81,"end":176.05,"confidence":0.9890093,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.12965914607048035},{"word":"frame","start":176.05,"end":176.55,"confidence":0.9986287,"punctuated_word":"frame.","sentiment":"neutral","sentiment_score":0.324260413646698},{"word":"you","start":177.33,"end":177.49,"confidence":0.8145166,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.3714892566204071},{"word":"don't","start":177.49,"end":177.81,"confidence":0.99989223,"punctuated_word":"don't","sentiment":"positive","sentiment_score":0.355236291885376},{"word":"have","start":177.81,"end":177.97,"confidence":0.99990916,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.34031185507774353},{"word":"to","start":177.97,"end":178.21,"confidence":0.9795241,"punctuated_word":"to.","sentiment":"positive","sentiment_score":0.35406893491744995},{"word":"you","start":178.21,"end":178.29001,"confidence":0.9995764,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.36546647548675537},{"word":"can","start":178.29001,"end":178.53,"confidence":0.9998834,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3671908676624298},{"word":"still","start":178.53,"end":178.85,"confidence":0.9936991,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4667675495147705},{"word":"then","start":178.85,"end":179.17,"confidence":0.9975708,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.3932195007801056},{"word":"decide","start":179.17,"end":179.49,"confidence":0.99902236,"punctuated_word":"decide","sentiment":"positive","sentiment_score":0.37176042795181274},{"word":"to","start":179.49,"end":179.65001,"confidence":0.9969881,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3916694819927216},{"word":"just","start":179.65001,"end":179.97,"confidence":0.96858984,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4138513803482056},{"word":"do","start":179.97,"end":180.13,"confidence":0.99671763,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3585987687110901},{"word":"the","start":180.13,"end":180.29001,"confidence":0.9896382,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3683260977268219},{"word":"$250","start":180.29001,"end":181.65001,"confidence":0.9949919,"punctuated_word":"$250","sentiment":"positive","sentiment_score":0.347311794757843},{"word":"for","start":181.65001,"end":181.81,"confidence":0.99794537,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.34313905239105225},{"word":"the","start":181.81,"end":181.97,"confidence":0.99990034,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.356476753950119},{"word":"whole","start":181.97,"end":182.13,"confidence":0.9639698,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":0.33205708861351013},{"word":"duration","start":182.13,"end":182.63,"confidence":0.9939527,"punctuated_word":"duration","sentiment":"positive","sentiment_score":0.3509035110473633},{"word":"if","start":182.69,"end":182.93001,"confidence":0.97076845,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4757890999317169},{"word":"you","start":182.93001,"end":183.09,"confidence":0.9997706,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4112435579299927},{"word":"want","start":183.09,"end":183.33,"confidence":0.9996506,"punctuated_word":"want","sentiment":"positive","sentiment_score":0.3781473636627197},{"word":"to","start":183.33,"end":183.83,"confidence":0.97701454,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3522702157497406},{"word":"for","start":184.27501,"end":184.515,"confidence":0.99454087,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3517937660217285},{"word":"the","start":184.515,"end":185.015,"confidence":0.9997131,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3486265540122986},{"word":"next","start":185.395,"end":185.715,"confidence":0.9997938,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.2964611053466797},{"word":"next","start":185.715,"end":186.035,"confidence":0.99687505,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.2805842459201813},{"word":"year","start":186.035,"end":186.535,"confidence":0.7837122,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.3302130401134491},{"word":"but","start":186.755,"end":186.91501,"confidence":0.9967392,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.3209036588668823},{"word":"it","start":186.91501,"end":187.075,"confidence":0.9995871,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3339397609233856},{"word":"would","start":187.075,"end":187.315,"confidence":0.99967444,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.32525426149368286},{"word":"mean","start":187.315,"end":187.63501,"confidence":0.9994128,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.3130817115306854},{"word":"that","start":187.63501,"end":188.035,"confidence":0.9995339,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3806697726249695},{"word":"the","start":188.035,"end":188.195,"confidence":0.99574006,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.39443954825401306},{"word":"following","start":188.195,"end":188.595,"confidence":0.9999305,"punctuated_word":"following","sentiment":"neutral","sentiment_score":0.29425883293151855},{"word":"year","start":188.595,"end":188.91501,"confidence":0.97120726,"punctuated_word":"year,","sentiment":"positive","sentiment_score":0.3433687686920166},{"word":"you","start":188.91501,"end":189.075,"confidence":0.99990964,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3828912079334259},{"word":"can","start":189.075,"end":189.315,"confidence":0.99988854,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.34270599484443665},{"word":"basically","start":189.315,"end":189.795,"confidence":0.983328,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.32929593324661255},{"word":"just","start":189.795,"end":190.035,"confidence":0.98949945,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2936757504940033},{"word":"do","start":190.035,"end":190.195,"confidence":0.99495584,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2746298015117645},{"word":"a","start":190.195,"end":190.35501,"confidence":0.9952107,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3013085126876831},{"word":"125%","start":190.35501,"end":191.875,"confidence":0.99896336,"punctuated_word":"125%","sentiment":"neutral","sentiment_score":0.2540762722492218},{"word":"of","start":191.875,"end":192.035,"confidence":0.98858774,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2595028877258301},{"word":"the","start":192.035,"end":192.195,"confidence":0.9991943,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2757444679737091},{"word":"previous","start":192.195,"end":192.595,"confidence":0.999813,"punctuated_word":"previous","sentiment":"neutral","sentiment_score":0.2469511330127716},{"word":"year","start":192.595,"end":192.835,"confidence":0.9791696,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.25923267006874084},{"word":"so","start":192.835,"end":192.99501,"confidence":0.99952567,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.207318052649498},{"word":"whatever","start":192.99501,"end":193.395,"confidence":0.99911076,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.25326988101005554},{"word":"that","start":193.395,"end":193.63501,"confidence":0.99984646,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2469419091939926},{"word":"might","start":193.63501,"end":193.955,"confidence":0.9996569,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.18932951986789703},{"word":"be","start":193.955,"end":194.455,"confidence":0.99445176,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":0.27926331758499146},{"word":"it","start":194.755,"end":194.99501,"confidence":0.9763163,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2611738443374634},{"word":"changes","start":194.99501,"end":195.49501,"confidence":0.9422103,"punctuated_word":"changes.","sentiment":"neutral","sentiment_score":0.19273868203163147},{"word":"no","start":199.65001,"end":200.15001,"confidence":0.994015,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09331998229026794},{"word":"no","start":200.77,"end":201.27,"confidence":0.85381746,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09495604783296584},{"word":"mhmm","start":205.73,"end":205.81,"confidence":0.88458765,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03430992737412453},{"word":"yep","start":205.81,"end":206.31,"confidence":0.96658957,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07385151088237762},{"word":"yes","start":207.97,"end":208.395,"confidence":0.9434686,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.13167604804039},{"word":"yes","start":208.955,"end":209.455,"confidence":0.99348307,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08730389177799225},{"word":"so","start":215.27501,"end":215.77501,"confidence":0.83819544,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.100052610039711},{"word":"yeah","start":219.99501,"end":220.475,"confidence":0.99439037,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.09475533664226532},{"word":"so","start":220.475,"end":220.715,"confidence":0.9968227,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0917394831776619},{"word":"what","start":220.715,"end":220.955,"confidence":0.9988985,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10508278757333755},{"word":"i'll","start":220.955,"end":221.115,"confidence":0.9993137,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.10174734890460968},{"word":"actually","start":221.115,"end":221.435,"confidence":0.99900216,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.1169309914112091},{"word":"do","start":221.435,"end":221.935,"confidence":0.9996381,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11655501276254654},{"word":"is","start":223.7,"end":223.93999,"confidence":0.9998758,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10239149630069733},{"word":"because","start":223.93999,"end":224.42,"confidence":0.49477184,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.13662691414356232},{"word":"your","start":224.42,"end":224.65999,"confidence":0.9200984,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1761566996574402},{"word":"annual","start":224.65999,"end":224.9,"confidence":0.70175105,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.12857140600681305},{"word":"review","start":224.9,"end":225.37999,"confidence":0.99901676,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.12028791010379793},{"word":"is","start":225.37999,"end":225.7,"confidence":0.99976677,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1689072996377945},{"word":"also","start":225.7,"end":226.09999,"confidence":0.9987935,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.16639599204063416},{"word":"due","start":226.09999,"end":226.59999,"confidence":0.9837114,"punctuated_word":"due,","sentiment":"neutral","sentiment_score":0.1868187785148621},{"word":"i","start":227.29999,"end":227.54,"confidence":0.9278471,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2187615931034088},{"word":"have","start":227.54,"end":227.7,"confidence":0.99984515,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.20345106720924375},{"word":"actually","start":227.7,"end":228.09999,"confidence":0.99510974,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.17887920141220093},{"word":"prepped","start":228.09999,"end":228.42,"confidence":0.95551455,"punctuated_word":"prepped","sentiment":"neutral","sentiment_score":0.1833345741033554},{"word":"the","start":228.42,"end":228.57999,"confidence":0.9962572,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16635170578956604},{"word":"documents","start":228.57999,"end":229.06,"confidence":0.97721714,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.15085124969482422},{"word":"for","start":229.06,"end":229.29999,"confidence":0.9998698,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20462588965892792},{"word":"you","start":229.29999,"end":229.62,"confidence":0.99810886,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20401309430599213},{"word":"for","start":229.62,"end":229.85999,"confidence":0.7534702,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18859723210334775},{"word":"your","start":229.85999,"end":230.01999,"confidence":0.97559243,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16744549572467804},{"word":"annual","start":230.01999,"end":230.26,"confidence":0.98415554,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.13311220705509186},{"word":"review","start":230.26,"end":230.57999,"confidence":0.9203176,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.1620604693889618},{"word":"and","start":230.57999,"end":230.81999,"confidence":0.9995832,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1983787566423416},{"word":"part","start":230.81999,"end":231.06,"confidence":0.9998888,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.18439647555351257},{"word":"of","start":231.06,"end":231.14,"confidence":0.999912,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18491850793361664},{"word":"that","start":231.14,"end":231.37999,"confidence":0.99993646,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20402251183986664},{"word":"is","start":231.37999,"end":231.62,"confidence":0.99982256,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21860790252685547},{"word":"actually","start":231.62,"end":232.12,"confidence":0.9961106,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.22282718122005463},{"word":"a","start":232.5,"end":232.81999,"confidence":0.997875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17455410957336426},{"word":"summary","start":232.81999,"end":233.31999,"confidence":0.9999461,"punctuated_word":"summary","sentiment":"neutral","sentiment_score":0.1518067717552185},{"word":"of","start":233.37999,"end":233.45999,"confidence":0.99989927,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17179536819458008},{"word":"the","start":233.45999,"end":233.7,"confidence":0.99950504,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17031987011432648},{"word":"gen","start":233.7,"end":233.93999,"confidence":0.84434557,"punctuated_word":"Gen","sentiment":"neutral","sentiment_score":0.1693049967288971},{"word":"life","start":233.93999,"end":234.26,"confidence":0.38118085,"punctuated_word":"Life","sentiment":"neutral","sentiment_score":0.2061514258384705},{"word":"form","start":234.26,"end":234.76,"confidence":0.6685988,"punctuated_word":"form.","sentiment":"neutral","sentiment_score":0.13759571313858032},{"word":"so","start":235.32501,"end":235.725,"confidence":0.9993149,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09579283744096756},{"word":"what","start":235.725,"end":235.96501,"confidence":0.9989429,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.052728321403265},{"word":"i","start":235.96501,"end":236.205,"confidence":0.9999212,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.059263259172439575},{"word":"will","start":236.205,"end":236.52501,"confidence":0.9995685,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.06298065185546875},{"word":"do","start":236.52501,"end":236.925,"confidence":0.99926585,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05183517187833786},{"word":"do","start":237.16501,"end":237.24501,"confidence":0.97305244,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.041368626058101654},{"word":"you","start":237.24501,"end":237.405,"confidence":0.9983833,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03810769319534302},{"word":"have","start":237.405,"end":237.565,"confidence":0.999553,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.046030253171920776},{"word":"access","start":237.565,"end":237.88501,"confidence":0.99860865,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.04540250822901726},{"word":"to","start":237.88501,"end":238.045,"confidence":0.9871563,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0560496523976326},{"word":"your","start":238.045,"end":238.125,"confidence":0.9384803,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.051406413316726685},{"word":"emails","start":238.125,"end":238.445,"confidence":0.9264788,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":0.07526237517595291},{"word":"at","start":238.445,"end":238.685,"confidence":0.9989297,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04614468663930893},{"word":"the","start":238.685,"end":238.765,"confidence":0.9989766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.073529452085495},{"word":"moment","start":238.765,"end":239.24501,"confidence":0.8937771,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.09483888745307922},{"word":"jayesh","start":239.24501,"end":239.565,"confidence":0.5473184,"punctuated_word":"Jayesh?","sentiment":"neutral","sentiment_score":0.0438934825360775},{"word":"or","start":239.565,"end":239.80501,"confidence":0.9373071,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.013187317177653313},{"word":"not","start":239.80501,"end":239.96501,"confidence":0.9951439,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.012122973799705504},{"word":"really","start":239.96501,"end":240.46501,"confidence":0.82003975,"punctuated_word":"really?","sentiment":"neutral","sentiment_score":0.0062670595943927765},{"word":"yep","start":240.845,"end":241.345,"confidence":0.88610435,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1748153418302536},{"word":"okay","start":241.405,"end":241.80501,"confidence":0.97827834,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.32844188809394836},{"word":"perfect","start":241.80501,"end":242.205,"confidence":0.9996493,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4586444199085235},{"word":"so","start":242.205,"end":242.285,"confidence":0.960014,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2941431999206543},{"word":"i'm","start":242.285,"end":242.365,"confidence":0.9997717,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2677003741264343},{"word":"just","start":242.365,"end":242.52501,"confidence":0.9998242,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.33548447489738464},{"word":"gonna","start":242.52501,"end":242.765,"confidence":0.99466926,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.2717105448246002},{"word":"send","start":242.765,"end":242.925,"confidence":0.9996,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.22686205804347992},{"word":"this","start":242.925,"end":243.085,"confidence":0.97936124,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.24558280408382416},{"word":"to","start":243.085,"end":243.16501,"confidence":0.9637236,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25986433029174805},{"word":"you","start":243.16501,"end":243.32501,"confidence":0.99956614,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26765379309654236},{"word":"so","start":243.32501,"end":243.485,"confidence":0.9753014,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.22454148530960083},{"word":"we","start":243.485,"end":243.565,"confidence":0.9995041,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.25173166394233704},{"word":"can","start":243.565,"end":243.80501,"confidence":0.9991387,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2622400224208832},{"word":"kind","start":243.80501,"end":243.96501,"confidence":0.98412895,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.22757381200790405},{"word":"of","start":243.96501,"end":244.125,"confidence":0.9988657,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2465370148420334},{"word":"start","start":244.125,"end":244.445,"confidence":0.9963601,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.2700844705104828},{"word":"there","start":244.445,"end":244.945,"confidence":0.8979242,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.27255865931510925},{"word":"and","start":246.365,"end":246.60501,"confidence":0.69350016,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0850013941526413},{"word":"that","start":246.60501,"end":247.10501,"confidence":0.9565326,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06760743260383606},{"word":"yep","start":253.70001,"end":254.20001,"confidence":0.96035075,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.059694673866033554},{"word":"yep","start":258.34,"end":258.84,"confidence":0.99578094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10749947279691696},{"word":"yep","start":263.79498,"end":264.29498,"confidence":0.9983995,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15846383571624756},{"word":"mhmm","start":269.79498,"end":270.29498,"confidence":0.9887527,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04178467392921448},{"word":"yeah","start":275.89,"end":276.39,"confidence":0.76538193,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04085194319486618},{"word":"yep","start":283.745,"end":284.245,"confidence":0.9636611,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04527001082897186},{"word":"correct","start":289.50497,"end":290.00497,"confidence":0.9982121,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.1098637357354164},{"word":"that","start":290.705,"end":290.94498,"confidence":0.99846613,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.17680855095386505},{"word":"is","start":290.94498,"end":291.185,"confidence":0.99986386,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2255084067583084},{"word":"correct","start":291.185,"end":291.685,"confidence":0.99977344,"punctuated_word":"correct.","sentiment":"neutral","sentiment_score":0.24377669394016263},{"word":"yep","start":291.745,"end":292.245,"confidence":0.9614174,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20810344815254211},{"word":"mhmm","start":298.13998,"end":298.63998,"confidence":0.9971755,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1835857331752777},{"word":"yep","start":303.66,"end":304.16,"confidence":0.99826837,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1287950575351715},{"word":"'22","start":310.155,"end":311.055,"confidence":0.8792771,"punctuated_word":"'22.","sentiment":"neutral","sentiment_score":0.021974798291921616},{"word":"so","start":311.435,"end":311.595,"confidence":0.28656784,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02425287291407585},{"word":"i'll","start":311.595,"end":311.755,"confidence":0.2909788,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0464143231511116},{"word":"just","start":311.755,"end":311.915,"confidence":0.53137434,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.054956890642642975},{"word":"yes","start":312.23502,"end":312.73502,"confidence":0.9268029,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.07894152402877808},{"word":"no","start":319.67502,"end":320.17502,"confidence":0.9946281,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14201165735721588},{"word":"correct","start":322.19,"end":322.69,"confidence":0.99740565,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.12356042861938477},{"word":"correct","start":323.22998,"end":323.71,"confidence":0.9987806,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.15735259652137756},{"word":"you","start":323.71,"end":323.94998,"confidence":0.9992854,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.19770732522010803},{"word":"can","start":323.94998,"end":324.43,"confidence":0.94190335,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.22704505920410156},{"word":"you","start":324.43,"end":324.66998,"confidence":0.99840385,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.17555685341358185},{"word":"even","start":324.66998,"end":324.99,"confidence":0.9965346,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.22691920399665833},{"word":"can","start":324.99,"end":325.22998,"confidence":0.79887974,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.22891204059123993},{"word":"so","start":325.22998,"end":325.47,"confidence":0.59336585,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12781205773353577},{"word":"if","start":325.47,"end":325.63,"confidence":0.99820757,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07419651746749878},{"word":"there's","start":325.63,"end":325.87,"confidence":0.99930406,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.016032321378588676},{"word":"ever","start":325.87,"end":326.11,"confidence":0.9998779,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.06669148057699203},{"word":"a","start":326.11,"end":326.19,"confidence":0.9996012,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.007824297994375229},{"word":"situation","start":326.19,"end":326.69,"confidence":0.99996996,"punctuated_word":"situation","sentiment":"neutral","sentiment_score":-0.028076909482479095},{"word":"where","start":326.91,"end":327.22998,"confidence":0.9997391,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.018795669078826904},{"word":"your","start":327.22998,"end":327.55,"confidence":0.99848074,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.04605254530906677},{"word":"finances","start":327.55,"end":328.05,"confidence":0.98039114,"punctuated_word":"finances","sentiment":"neutral","sentiment_score":-0.06892826408147812},{"word":"change","start":328.11,"end":328.61,"confidence":0.99099976,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.08840116858482361},{"word":"and","start":328.83,"end":329.07,"confidence":0.8043917,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06357917934656143},{"word":"you","start":329.07,"end":329.57,"confidence":0.99994624,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05960029363632202},{"word":"decide","start":329.63,"end":330.03,"confidence":0.9989472,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":-0.05221883952617645},{"word":"that","start":330.03,"end":330.27,"confidence":0.9997904,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08777840435504913},{"word":"i","start":330.27,"end":330.50998,"confidence":0.9896667,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1049010306596756},{"word":"cannot","start":330.50998,"end":330.83,"confidence":0.99989223,"punctuated_word":"cannot","sentiment":"neutral","sentiment_score":-0.22163835167884827},{"word":"make","start":330.83,"end":331.07,"confidence":0.9998872,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.14954769611358645},{"word":"any","start":331.07,"end":331.38998,"confidence":0.99948454,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.2092292457818985},{"word":"contributions","start":331.38998,"end":331.88998,"confidence":0.96112514,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.20248770713806152},{"word":"whatsoever","start":332.03,"end":332.53,"confidence":0.9690513,"punctuated_word":"whatsoever","sentiment":"neutral","sentiment_score":-0.15605156123638153},{"word":"anymore","start":332.59,"end":333.09,"confidence":0.995808,"punctuated_word":"anymore,","sentiment":"neutral","sentiment_score":-0.17717164754867554},{"word":"you","start":333.22998,"end":333.38998,"confidence":0.99949527,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08113467693328857},{"word":"can","start":333.38998,"end":333.63,"confidence":0.99957985,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.08174818754196167},{"word":"stop","start":333.63,"end":333.87,"confidence":0.99374515,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":-0.1181502491235733},{"word":"it","start":333.87,"end":334.125,"confidence":0.9704955,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.12464728206396104},{"word":"there","start":334.205,"end":334.365,"confidence":0.9998678,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.06409987807273865},{"word":"is","start":334.365,"end":334.525,"confidence":0.999689,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1026977077126503},{"word":"nothing","start":334.525,"end":335.025,"confidence":0.99969923,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.06707628071308136},{"word":"saying","start":335.085,"end":335.565,"confidence":0.99575245,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.07908909767866135},{"word":"you","start":335.565,"end":335.885,"confidence":0.99055696,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09988990426063538},{"word":"have","start":335.885,"end":336.205,"confidence":0.9983897,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.09979525953531264},{"word":"to","start":336.205,"end":336.705,"confidence":0.928174,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":-0.12477058172225952},{"word":"the","start":336.925,"end":337.165,"confidence":0.998852,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.022535592317581177},{"word":"only","start":337.165,"end":337.485,"confidence":0.9999597,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.003473550081253052},{"word":"kind","start":337.485,"end":337.985,"confidence":0.9918629,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.06628401577472687},{"word":"of","start":338.685,"end":339.005,"confidence":0.9994993,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.042786888778209686},{"word":"thing","start":339.005,"end":339.325,"confidence":0.86616623,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.03083111345767975},{"word":"to","start":339.325,"end":339.485,"confidence":0.9981729,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.022038966417312626},{"word":"be","start":339.485,"end":339.645,"confidence":0.9984681,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.05552314966917038},{"word":"mindful","start":339.645,"end":340.125,"confidence":0.9997948,"punctuated_word":"mindful","sentiment":"neutral","sentiment_score":-0.08195562660694122},{"word":"of","start":340.125,"end":340.365,"confidence":0.9956027,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04297316074371338},{"word":"is","start":340.365,"end":340.525,"confidence":0.99867576,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03138589859008789},{"word":"that","start":340.525,"end":340.765,"confidence":0.81601024,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.04868638515472412},{"word":"let's","start":340.765,"end":341.005,"confidence":0.99977857,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":-0.02033233642578125},{"word":"say","start":341.005,"end":341.165,"confidence":0.8867456,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.003476053476333618},{"word":"for","start":341.165,"end":341.405,"confidence":0.9695021,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0247822105884552},{"word":"this","start":341.405,"end":341.565,"confidence":0.99440515,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.01362907886505127},{"word":"one","start":341.565,"end":341.725,"confidence":0.99940693,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.03491281718015671},{"word":"year","start":341.725,"end":342.045,"confidence":0.99976724,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.017129600048065186},{"word":"that","start":342.045,"end":342.125,"confidence":0.9087176,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02505173534154892},{"word":"you","start":342.125,"end":342.285,"confidence":0.9998909,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05309975892305374},{"word":"make","start":342.285,"end":342.685,"confidence":0.9981286,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.08458244800567627},{"word":"zero","start":342.685,"end":343.005,"confidence":0.9815073,"punctuated_word":"zero","sentiment":"neutral","sentiment_score":-0.08420015871524811},{"word":"contributions","start":343.005,"end":343.505,"confidence":0.616949,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.13111597299575806},{"word":"because","start":345.005,"end":345.505,"confidence":0.57578397,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0473412424325943},{"word":"a","start":345.725,"end":345.885,"confidence":0.99653924,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.062188636511564255},{"word":"125%","start":345.885,"end":347.165,"confidence":0.99794185,"punctuated_word":"125%","sentiment":"neutral","sentiment_score":-0.047834090888500214},{"word":"of","start":347.165,"end":347.405,"confidence":0.9981645,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.053505606949329376},{"word":"zero","start":347.405,"end":347.805,"confidence":0.99913895,"punctuated_word":"zero","sentiment":"neutral","sentiment_score":-0.03651127219200134},{"word":"is","start":347.805,"end":348.125,"confidence":0.998309,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06389874964952469},{"word":"zero","start":348.125,"end":348.625,"confidence":0.93381965,"punctuated_word":"zero.","sentiment":"neutral","sentiment_score":-0.057328689843416214},{"word":"so","start":348.88998,"end":348.97,"confidence":0.7062946,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0015133023262023926},{"word":"that","start":348.97,"end":349.13,"confidence":0.9989334,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.001442447304725647},{"word":"just","start":349.13,"end":349.29,"confidence":0.9979394,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.020512565970420837},{"word":"means","start":349.29,"end":349.53,"confidence":0.99988925,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.02382965385913849},{"word":"that","start":349.53,"end":349.77,"confidence":0.99962187,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02983279526233673},{"word":"if","start":349.77,"end":349.93,"confidence":0.9984048,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.02810605615377426},{"word":"you","start":349.93,"end":350.09,"confidence":0.9998016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0727238655090332},{"word":"completely","start":350.09,"end":350.59,"confidence":0.9960312,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":-0.10147935152053832},{"word":"stop","start":350.73,"end":351.23,"confidence":0.7697747,"punctuated_word":"stop,","sentiment":"neutral","sentiment_score":-0.10668976604938508},{"word":"and","start":352.25,"end":352.49,"confidence":0.5234591,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0746549516916275},{"word":"then","start":352.49,"end":352.88998,"confidence":0.9996966,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.002775631844997406},{"word":"let's","start":352.88998,"end":353.13,"confidence":0.7798765,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":-0.014165520668029783},{"word":"say","start":353.13,"end":353.29,"confidence":0.99802834,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.00624760240316391},{"word":"in","start":353.29,"end":353.45,"confidence":0.73601097,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0004400014877319336},{"word":"two","start":353.45,"end":353.61,"confidence":0.99954754,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.017167389392852783},{"word":"years'","start":353.61,"end":353.93,"confidence":0.76670015,"punctuated_word":"years'","sentiment":"neutral","sentiment_score":-0.032728467136621475},{"word":"time","start":353.93,"end":354.25,"confidence":0.91028696,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.016267891973257065},{"word":"you","start":354.25,"end":354.41,"confidence":0.9996587,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.013355046510696411},{"word":"go","start":354.41,"end":354.65,"confidence":0.96680695,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":0.01056491956114769},{"word":"oh","start":354.65,"end":354.81,"confidence":0.973835,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.030735937878489494},{"word":"no","start":354.81,"end":355.05,"confidence":0.9546525,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.07218854129314423},{"word":"i","start":355.05,"end":355.21,"confidence":0.9998776,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05956357717514038},{"word":"wanna","start":355.21,"end":355.61,"confidence":0.9958711,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.027288109064102173},{"word":"start","start":355.61,"end":355.93,"confidence":0.99546474,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.05317159742116928},{"word":"it","start":355.93,"end":356.41,"confidence":0.8271253,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.03469591587781906},{"word":"it","start":356.41,"end":356.57,"confidence":0.9691544,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.002633601427078247},{"word":"would","start":356.57,"end":356.81,"confidence":0.99316835,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0074422359466552734},{"word":"then","start":356.81,"end":356.97,"confidence":0.9991328,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04061759263277054},{"word":"reset","start":356.97,"end":357.37,"confidence":0.9996075,"punctuated_word":"reset","sentiment":"neutral","sentiment_score":-0.004323229193687439},{"word":"the","start":357.37,"end":357.53,"confidence":0.9992149,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.041957393288612366},{"word":"time","start":357.53,"end":357.77,"confidence":0.99014986,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.04989045113325119},{"word":"frame","start":357.77,"end":358.09,"confidence":0.95843005,"punctuated_word":"frame.","sentiment":"neutral","sentiment_score":-0.010317489504814148},{"word":"but","start":358.09,"end":358.25,"confidence":0.9987212,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.05116552114486694},{"word":"to","start":358.25,"end":358.41,"confidence":0.99773055,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04606429487466812},{"word":"get","start":358.41,"end":358.65,"confidence":0.99992764,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.03947250545024872},{"word":"around","start":358.65,"end":358.97,"confidence":0.999119,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.041392333805561066},{"word":"that","start":358.97,"end":359.13,"confidence":0.988199,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.040428295731544495},{"word":"you","start":359.13,"end":359.29,"confidence":0.9999422,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05882084369659424},{"word":"could","start":359.29,"end":359.53,"confidence":0.99989593,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.07265941053628922},{"word":"open","start":359.53,"end":359.77,"confidence":0.9998473,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.05405882000923157},{"word":"up","start":359.77,"end":360.01,"confidence":0.9200971,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.04064801335334778},{"word":"like","start":360.01,"end":360.25,"confidence":0.99905527,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.034565530717372894},{"word":"another","start":360.25,"end":360.57,"confidence":0.9998956,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.0028277263045310974},{"word":"one","start":360.57,"end":360.73,"confidence":0.9705081,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":-0.011056028306484222},{"word":"for","start":360.73,"end":360.97,"confidence":0.99980694,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.022900454699993137},{"word":"example","start":360.97,"end":361.47,"confidence":0.9963428,"punctuated_word":"example.","sentiment":"neutral","sentiment_score":-0.01142577826976776},{"word":"that","start":361.70502,"end":361.86502,"confidence":0.99964213,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.029388725757598877},{"word":"is","start":361.86502,"end":361.945,"confidence":0.9999182,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0032522082328796387},{"word":"the","start":361.945,"end":362.02502,"confidence":0.9899663,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01661306619644165},{"word":"only","start":362.02502,"end":362.505,"confidence":0.9996358,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.1157045066356659},{"word":"kind","start":362.505,"end":362.665,"confidence":0.98904127,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.07762818038463593},{"word":"of","start":362.665,"end":362.905,"confidence":0.99969006,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08770276606082916},{"word":"downside","start":362.905,"end":363.405,"confidence":0.99776566,"punctuated_word":"downside","sentiment":"neutral","sentiment_score":-0.09915734827518465},{"word":"by","start":363.46503,"end":363.96503,"confidence":0.99862134,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.0003632158041000366},{"word":"decreasing","start":364.265,"end":364.765,"confidence":0.9992305,"punctuated_word":"decreasing","sentiment":"neutral","sentiment_score":-0.056930288672447205},{"word":"for","start":364.905,"end":365.065,"confidence":0.99813974,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.021528631448745728},{"word":"the","start":365.065,"end":365.14502,"confidence":0.99979573,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01810535788536072},{"word":"next","start":365.14502,"end":365.545,"confidence":0.99986374,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.04101841151714325},{"word":"couple","start":365.545,"end":365.785,"confidence":0.9997272,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.027765870094299316},{"word":"of","start":365.785,"end":365.945,"confidence":0.9996145,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.002948254346847534},{"word":"years","start":365.945,"end":366.445,"confidence":0.99180955,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.03481931984424591},{"word":"if","start":366.74503,"end":366.98502,"confidence":0.82444227,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.18167459964752197},{"word":"it","start":366.98502,"end":367.14502,"confidence":0.99968123,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09801055490970612},{"word":"is","start":367.14502,"end":367.30502,"confidence":0.9990576,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14392459392547607},{"word":"something","start":367.30502,"end":367.70502,"confidence":0.9998684,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.1016746461391449},{"word":"that","start":367.70502,"end":367.86502,"confidence":0.9997768,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14739198982715607},{"word":"you","start":367.86502,"end":368.105,"confidence":0.9997248,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12230564653873444},{"word":"want","start":368.105,"end":368.345,"confidence":0.99333376,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.1215588077902794},{"word":"to","start":368.345,"end":368.74503,"confidence":0.9576378,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08937954157590866},{"word":"do","start":368.74503,"end":369.24503,"confidence":0.9284098,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.03536325693130493},{"word":"but","start":369.30502,"end":369.46503,"confidence":0.71302104,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.19954095780849457},{"word":"you","start":369.46503,"end":369.625,"confidence":0.9993924,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20954647660255432},{"word":"don't","start":369.625,"end":369.86502,"confidence":0.9999693,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.19075891375541687},{"word":"have","start":369.86502,"end":370.02502,"confidence":0.9997826,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.26320356130599976},{"word":"to","start":370.02502,"end":370.105,"confidence":0.99924314,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2003723680973053},{"word":"do","start":370.105,"end":370.265,"confidence":0.9994742,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06117701530456543},{"word":"a","start":370.265,"end":370.42502,"confidence":0.9806153,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07714574038982391},{"word":"125","start":370.42502,"end":371.225,"confidence":0.8875123,"punctuated_word":"125","sentiment":"neutral","sentiment_score":0.04710443317890167},{"word":"at","start":371.225,"end":371.385,"confidence":0.9920689,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12995877861976624},{"word":"all","start":371.385,"end":371.545,"confidence":0.99564356,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.2108638733625412},{"word":"you","start":371.545,"end":371.70502,"confidence":0.9995728,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.27976930141448975},{"word":"can","start":371.70502,"end":371.945,"confidence":0.9957747,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.28509214520454407},{"word":"decide","start":371.945,"end":372.265,"confidence":0.99921894,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.2467963993549347},{"word":"to","start":372.265,"end":372.42502,"confidence":0.9988759,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2377074807882309},{"word":"do","start":372.42502,"end":372.92502,"confidence":0.9989875,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.20742079615592957},{"word":"just","start":373.545,"end":373.95,"confidence":0.6673104,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.327741414308548},{"word":"keeping","start":374.11002,"end":374.43002,"confidence":0.99797434,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.2138255387544632},{"word":"it","start":374.43002,"end":374.59003,"confidence":0.949244,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22207680344581604},{"word":"exactly","start":374.59003,"end":375.07,"confidence":0.9996847,"punctuated_word":"exactly","sentiment":"positive","sentiment_score":0.37783992290496826},{"word":"the","start":375.07,"end":375.23,"confidence":0.9993787,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2734120786190033},{"word":"same","start":375.23,"end":375.63,"confidence":0.99971586,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.356771856546402},{"word":"for","start":375.63,"end":375.87003,"confidence":0.9825523,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18733111023902893},{"word":"the","start":375.87003,"end":375.95,"confidence":0.9998753,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2307392954826355},{"word":"whole","start":375.95,"end":376.19,"confidence":0.9996598,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":0.21605020761489868},{"word":"duration","start":376.19,"end":376.51,"confidence":0.9998048,"punctuated_word":"duration","sentiment":"neutral","sentiment_score":0.23341313004493713},{"word":"of","start":376.51,"end":376.59003,"confidence":0.9991848,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23937474191188812},{"word":"the","start":376.59003,"end":376.75,"confidence":0.99771667,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1983495056629181},{"word":"bond","start":376.75,"end":376.99002,"confidence":0.99632555,"punctuated_word":"bond.","sentiment":"neutral","sentiment_score":0.11028818786144257},{"word":"you","start":376.99002,"end":377.15002,"confidence":0.99969995,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.4154497385025024},{"word":"could","start":377.15002,"end":377.31,"confidence":0.7261996,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.473275750875473},{"word":"just","start":377.31,"end":377.39,"confidence":0.9997987,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.44129329919815063},{"word":"keep","start":377.39,"end":377.63,"confidence":0.99964,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.479442298412323},{"word":"the","start":377.63,"end":377.79,"confidence":0.9944036,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4694404602050781},{"word":"$2.50","start":377.79,"end":378.51,"confidence":0.9711888,"punctuated_word":"$2.50","sentiment":"positive","sentiment_score":0.437372088432312},{"word":"per","start":378.51,"end":378.67,"confidence":0.99879223,"punctuated_word":"per","sentiment":"positive","sentiment_score":0.4396059215068817},{"word":"month","start":378.67,"end":379.17,"confidence":0.9995208,"punctuated_word":"month","sentiment":"positive","sentiment_score":0.4904902577400207},{"word":"for","start":379.23,"end":379.47,"confidence":0.96768874,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5141800045967102},{"word":"for","start":379.47,"end":379.63,"confidence":0.9969921,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4201022684574127},{"word":"the","start":379.63,"end":379.79,"confidence":0.9984244,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.48280590772628784},{"word":"rest","start":379.79,"end":379.95,"confidence":0.9999218,"punctuated_word":"rest","sentiment":"positive","sentiment_score":0.4554806053638458},{"word":"of","start":379.95,"end":380.11002,"confidence":0.9998203,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5281217694282532},{"word":"the","start":380.11002,"end":380.19,"confidence":0.9985819,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4941386580467224},{"word":"duration","start":380.19,"end":380.67,"confidence":0.99879634,"punctuated_word":"duration.","sentiment":"positive","sentiment_score":0.4978775978088379},{"word":"you","start":380.67,"end":380.83002,"confidence":0.9986975,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.47960901260375977},{"word":"don't","start":380.83002,"end":381.15002,"confidence":0.99983317,"punctuated_word":"don't","sentiment":"positive","sentiment_score":0.41669130325317383},{"word":"have","start":381.15002,"end":381.31,"confidence":0.9998573,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4094654321670532},{"word":"to","start":381.31,"end":381.47,"confidence":0.99952817,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.37485450506210327},{"word":"change","start":381.47,"end":381.71002,"confidence":0.9996656,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.2763306498527527},{"word":"it","start":381.71002,"end":382.03,"confidence":0.995656,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.34324270486831665},{"word":"it","start":382.03,"end":382.19,"confidence":0.88524985,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.43876582384109497},{"word":"just","start":382.19,"end":382.51,"confidence":0.998684,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4295715391635895},{"word":"allows","start":382.51,"end":382.83002,"confidence":0.9997526,"punctuated_word":"allows","sentiment":"positive","sentiment_score":0.5277456045150757},{"word":"you","start":382.83002,"end":383.07,"confidence":0.999589,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5172338485717773},{"word":"to","start":383.07,"end":383.15002,"confidence":0.99959177,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4954021275043487},{"word":"do","start":383.15002,"end":383.39,"confidence":0.9993543,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4771169424057007},{"word":"up","start":383.39,"end":383.63,"confidence":0.9990802,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.4284697771072388},{"word":"to","start":383.63,"end":383.79,"confidence":0.999022,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5056066513061523},{"word":"a","start":383.79,"end":383.95,"confidence":0.99280244,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.477124959230423},{"word":"max","start":383.95,"end":384.27002,"confidence":0.99586713,"punctuated_word":"max","sentiment":"positive","sentiment_score":0.4403410255908966},{"word":"of","start":384.27002,"end":384.43002,"confidence":0.9992336,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.47996658086776733},{"word":"that","start":384.43002,"end":384.67,"confidence":0.99977237,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4608575701713562},{"word":"amount","start":384.67,"end":385.17,"confidence":0.9997411,"punctuated_word":"amount.","sentiment":"positive","sentiment_score":0.3397876024246216},{"word":"does","start":386.76498,"end":386.925,"confidence":0.9934615,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":-0.189900666475296},{"word":"that","start":386.925,"end":387.085,"confidence":0.99986243,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.35166338086128235},{"word":"make","start":387.085,"end":387.32498,"confidence":0.99060947,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.320344477891922},{"word":"sense","start":387.32498,"end":387.82498,"confidence":0.9995723,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":-0.2969039976596832},{"word":"mhmm","start":389.76498,"end":390.26498,"confidence":0.87651217,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.07976870238780975},{"word":"yep","start":392.205,"end":392.705,"confidence":0.99087274,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.055819958448410034},{"word":"so","start":395.485,"end":395.885,"confidence":0.8572258,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08004889637231827},{"word":"let's","start":395.885,"end":396.125,"confidence":0.97840685,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":-0.05443946644663811},{"word":"say","start":396.125,"end":396.625,"confidence":0.9994049,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.033278342336416245},{"word":"the","start":398.365,"end":398.60498,"confidence":0.6118918,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.032410793006420135},{"word":"april","start":398.60498,"end":399.255,"confidence":0.9991619,"punctuated_word":"April","sentiment":"neutral","sentiment_score":-0.03641921654343605},{"word":"22","start":399.255,"end":399.90503,"confidence":0.9991619,"punctuated_word":"22","sentiment":"neutral","sentiment_score":-0.007298018783330917},{"word":"until","start":400.87,"end":401.37,"confidence":0.9949226,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.02888426184654236},{"word":"04/22/2027","start":401.66998,"end":404.16998,"confidence":0.96770257,"punctuated_word":"04/22/2027.","sentiment":"neutral","sentiment_score":-0.03107374347746372},{"word":"so","start":404.47,"end":404.71,"confidence":0.9955823,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0441395603120327},{"word":"between","start":404.71,"end":405.19,"confidence":0.9996909,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.07419328391551971},{"word":"the","start":405.19,"end":405.34998,"confidence":0.9004553,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06921184808015823},{"word":"april","start":405.34998,"end":406.50998,"confidence":0.9814604,"punctuated_word":"April","sentiment":"neutral","sentiment_score":-0.059483010321855545},{"word":"2026","start":406.50998,"end":407.66998,"confidence":0.9814604,"punctuated_word":"2026","sentiment":"neutral","sentiment_score":-0.06124662607908249},{"word":"and","start":407.66998,"end":407.91,"confidence":0.9916951,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11116158962249756},{"word":"04/22/2027","start":407.91,"end":410.81,"confidence":0.9988967,"punctuated_word":"04/22/2027,","sentiment":"neutral","sentiment_score":-0.08663046360015869},{"word":"you","start":411.03,"end":411.34998,"confidence":0.9991804,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.137850821018219},{"word":"stop","start":411.34998,"end":411.66998,"confidence":0.95277387,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":-0.1630394160747528},{"word":"contributions","start":411.66998,"end":412.16998,"confidence":0.99971384,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.3049290180206299},{"word":"altogether","start":412.38998,"end":412.88998,"confidence":0.8789846,"punctuated_word":"altogether.","sentiment":"neutral","sentiment_score":-0.2094388008117676},{"word":"so","start":413.03,"end":413.27,"confidence":0.9987697,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.17258113622665405},{"word":"you","start":413.27,"end":413.34998,"confidence":0.99976164,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14175859093666077},{"word":"don't","start":413.34998,"end":413.59,"confidence":0.999979,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.19942480325698853},{"word":"do","start":413.59,"end":413.91,"confidence":0.9999198,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.2392764389514923},{"word":"anything","start":413.91,"end":414.41,"confidence":0.97591174,"punctuated_word":"anything.","sentiment":"neutral","sentiment_score":-0.24216681718826297},{"word":"that","start":415.245,"end":415.48502,"confidence":0.99929965,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.18628919124603271},{"word":"means","start":415.48502,"end":415.965,"confidence":0.9998035,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.20191046595573425},{"word":"that","start":415.965,"end":416.285,"confidence":0.999373,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15182769298553467},{"word":"the","start":416.285,"end":416.525,"confidence":0.9993788,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16775928437709808},{"word":"year","start":416.525,"end":417.025,"confidence":0.99942434,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.11885952949523926},{"word":"2027","start":417.085,"end":418.365,"confidence":0.99734205,"punctuated_word":"2027","sentiment":"neutral","sentiment_score":-0.13682067394256592},{"word":"to","start":418.365,"end":418.525,"confidence":0.99843305,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.20990824699401855},{"word":"2028","start":418.525,"end":419.98502,"confidence":0.99658185,"punctuated_word":"2028,","sentiment":"neutral","sentiment_score":-0.14246276021003723},{"word":"you","start":420.365,"end":420.605,"confidence":0.99964607,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.16411353647708893},{"word":"can't","start":420.605,"end":420.92502,"confidence":0.99992234,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.15820005536079407},{"word":"make","start":420.92502,"end":421.165,"confidence":0.99987674,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.2353856265544891},{"word":"contributions","start":421.165,"end":421.665,"confidence":0.64078933,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.2993888556957245},{"word":"because","start":422.525,"end":422.92502,"confidence":0.9173243,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.15769082307815552},{"word":"you've","start":422.92502,"end":423.325,"confidence":0.9991342,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.20756205916404724},{"word":"stopped","start":423.325,"end":423.64502,"confidence":0.9973392,"punctuated_word":"stopped","sentiment":"neutral","sentiment_score":-0.1687024086713791},{"word":"it","start":423.64502,"end":424.14502,"confidence":0.9685935,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.1978515386581421},{"word":"so","start":424.285,"end":424.445,"confidence":0.97434336,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02496914565563202},{"word":"that","start":424.445,"end":424.605,"confidence":0.9997795,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0044160932302474976},{"word":"would","start":424.605,"end":424.92502,"confidence":0.9996307,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.002361111342906952},{"word":"reset","start":424.92502,"end":425.42502,"confidence":0.79973364,"punctuated_word":"reset.","sentiment":"neutral","sentiment_score":-0.0815669447183609},{"word":"correct","start":426.445,"end":426.945,"confidence":0.89691055,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.025533627718687057},{"word":"correct","start":428.79,"end":429.29,"confidence":0.99831223,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.07601547986268997},{"word":"exactly","start":429.43,"end":429.93,"confidence":0.9904546,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.09571944177150726},{"word":"so","start":430.31,"end":430.55,"confidence":0.9962381,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06591470539569855},{"word":"that","start":430.55,"end":430.79,"confidence":0.99966383,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.007626749575138092},{"word":"is","start":430.79,"end":430.94998,"confidence":0.99969757,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03306212276220322},{"word":"the","start":430.94998,"end":431.11,"confidence":0.9857223,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.027649030089378357},{"word":"only","start":431.11,"end":431.51,"confidence":0.9990087,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.028557755053043365},{"word":"the","start":431.51,"end":431.75,"confidence":0.99632746,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02222415804862976},{"word":"only","start":431.75,"end":431.99,"confidence":0.9996389,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.03412066400051117},{"word":"kind","start":431.99,"end":432.15,"confidence":0.9912445,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.01968914270401001},{"word":"of","start":432.15,"end":432.23,"confidence":0.9988438,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.030744582414627075},{"word":"thing","start":432.23,"end":432.47,"confidence":0.9980872,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.014833658933639526},{"word":"to","start":432.47,"end":432.63,"confidence":0.9967843,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06160980463027954},{"word":"be","start":432.63,"end":432.79,"confidence":0.99830794,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.09316369146108627},{"word":"mindful","start":432.79,"end":433.19,"confidence":0.9998259,"punctuated_word":"mindful","sentiment":"neutral","sentiment_score":-0.12338772416114809},{"word":"of","start":433.19,"end":433.51,"confidence":0.9935721,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12643583118915558},{"word":"if","start":433.51,"end":433.66998,"confidence":0.9269221,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1598103642463684},{"word":"you","start":433.66998,"end":433.99,"confidence":0.9994356,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.17444971203804016},{"word":"decrease","start":433.99,"end":434.49,"confidence":0.9528452,"punctuated_word":"decrease","sentiment":"neutral","sentiment_score":-0.0844462588429451},{"word":"it","start":434.63,"end":435.13,"confidence":0.9652227,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.15469245612621307},{"word":"but","start":435.75,"end":436.25,"confidence":0.8126799,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.06110033392906189},{"word":"it","start":438.71,"end":438.87,"confidence":0.56677663,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04732686281204224},{"word":"would","start":438.87,"end":439.37,"confidence":0.65592396,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.02561170980334282},{"word":"it","start":439.59,"end":440.09,"confidence":0.37265253,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.004266567528247833},{"word":"it","start":442.77502,"end":443.015,"confidence":0.7589923,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.011585276573896408},{"word":"yeah","start":443.49503,"end":443.815,"confidence":0.9650981,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.008762536570429802},{"word":"so","start":443.815,"end":444.05502,"confidence":0.9993913,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.01140981912612915},{"word":"the","start":444.05502,"end":444.21503,"confidence":0.99875426,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.009599253535270693},{"word":"only","start":444.21503,"end":444.45502,"confidence":0.9998846,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.0006411373615264893},{"word":"way","start":444.45502,"end":444.695,"confidence":0.9998629,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.01543395221233368},{"word":"to","start":444.695,"end":444.77502,"confidence":0.99969375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03359829634428024},{"word":"go","start":444.77502,"end":445.015,"confidence":0.9993662,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.05694282799959183},{"word":"back","start":445.015,"end":445.33502,"confidence":0.99990845,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.004984155297279358},{"word":"if","start":445.33502,"end":445.575,"confidence":0.9073213,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.014066658914089205},{"word":"you","start":445.575,"end":445.73502,"confidence":0.9998191,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.010457426309585571},{"word":"stop","start":445.73502,"end":446.05502,"confidence":0.924283,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":-0.0467948392033577},{"word":"for","start":446.05502,"end":446.21503,"confidence":0.99982554,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.07457000762224197},{"word":"a","start":446.21503,"end":446.295,"confidence":0.99894863,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0526103675365448},{"word":"whole","start":446.295,"end":446.535,"confidence":0.9998982,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":-0.06343944370746613},{"word":"year","start":446.535,"end":446.855,"confidence":0.999777,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.0114620178937912},{"word":"is","start":446.855,"end":447.015,"confidence":0.9979551,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.021540850400924683},{"word":"to","start":447.015,"end":447.255,"confidence":0.9989753,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00927523523569107},{"word":"either","start":447.255,"end":447.655,"confidence":0.9998505,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.011915445327758787},{"word":"open","start":447.655,"end":447.89502,"confidence":0.9997677,"punctuated_word":"open","sentiment":"neutral","sentiment_score":-0.01986941695213318},{"word":"up","start":447.89502,"end":448.135,"confidence":0.9992945,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.006156489253044128},{"word":"a","start":448.135,"end":448.375,"confidence":0.99821824,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02776677906513214},{"word":"new","start":448.375,"end":448.695,"confidence":0.99994624,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.06914958357810974},{"word":"investment","start":448.695,"end":449.195,"confidence":0.9997141,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.04031268507242203},{"word":"bond","start":449.33502,"end":449.83502,"confidence":0.96254957,"punctuated_word":"bond","sentiment":"neutral","sentiment_score":-0.05885596573352814},{"word":"if","start":449.89502,"end":450.135,"confidence":0.71572244,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0055914632976055145},{"word":"you","start":450.135,"end":450.295,"confidence":0.9998516,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.017559118568897247},{"word":"don't","start":450.295,"end":450.535,"confidence":0.99994963,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.03346666693687439},{"word":"wanna","start":450.535,"end":450.935,"confidence":0.98039055,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.07804258912801743},{"word":"reset","start":450.935,"end":451.435,"confidence":0.99877113,"punctuated_word":"reset","sentiment":"neutral","sentiment_score":-0.09201933443546297},{"word":"the","start":451.49503,"end":451.73502,"confidence":0.9991573,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13452336192131042},{"word":"time","start":451.73502,"end":452.135,"confidence":0.9936854,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.16953416168689728},{"word":"frame","start":452.135,"end":452.635,"confidence":0.7092909,"punctuated_word":"frame.","sentiment":"neutral","sentiment_score":-0.040418822318315506},{"word":"or","start":453.03,"end":453.27002,"confidence":0.999366,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.03647041320800781},{"word":"if","start":453.27002,"end":453.59,"confidence":0.99972457,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.016070909798145294},{"word":"you","start":453.59,"end":453.67,"confidence":0.9999275,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.039268605411052704},{"word":"do","start":453.67,"end":453.99002,"confidence":0.9996276,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02863255888223648},{"word":"start","start":453.99002,"end":454.23,"confidence":0.76144105,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.010312668979167938},{"word":"making","start":454.23,"end":454.63,"confidence":0.9998679,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.024105295538902283},{"word":"those","start":454.63,"end":454.95,"confidence":0.9997383,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.03985242545604706},{"word":"$2.50","start":454.95,"end":455.51,"confidence":0.99084854,"punctuated_word":"$2.50,","sentiment":"neutral","sentiment_score":0.053630582988262177},{"word":"it","start":455.51,"end":455.75,"confidence":0.9641986,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.013795316219329834},{"word":"will","start":455.75,"end":456.15,"confidence":0.9996767,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.036905862390995026},{"word":"reset","start":456.15,"end":456.55002,"confidence":0.99910873,"punctuated_word":"reset","sentiment":"neutral","sentiment_score":-0.01704135537147522},{"word":"the","start":456.55002,"end":456.79,"confidence":0.9980592,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.056093670427799225},{"word":"time","start":456.79,"end":457.03,"confidence":0.9977036,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.09880583733320236},{"word":"frame","start":457.03,"end":457.53,"confidence":0.9764084,"punctuated_word":"frame.","sentiment":"neutral","sentiment_score":-0.01951899752020836},{"word":"so","start":457.75,"end":457.91,"confidence":0.7617045,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.030676409602165226},{"word":"that","start":457.91,"end":458.15,"confidence":0.9986436,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.021374113857746124},{"word":"is","start":458.15,"end":458.39,"confidence":0.99976164,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.014003820717334747},{"word":"kind","start":458.39,"end":458.63,"confidence":0.9951042,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.01937399059534073},{"word":"of","start":458.63,"end":459.13,"confidence":0.99972147,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03115168958902359},{"word":"correct","start":459.67,"end":460.17,"confidence":0.9984316,"punctuated_word":"correct.","sentiment":"neutral","sentiment_score":-0.017592914402484894},{"word":"no","start":463.59,"end":464.09,"confidence":0.9893212,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.160615012049675},{"word":"no","start":464.15,"end":464.39,"confidence":0.9958738,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.21272096037864685},{"word":"they","start":464.39,"end":464.63,"confidence":0.9956815,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.19807395339012143},{"word":"all","start":464.63,"end":464.79,"confidence":0.9969267,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.1723540872335434},{"word":"say","start":464.79,"end":465.03,"confidence":0.99537474,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.1513463854789734},{"word":"that","start":465.03,"end":465.19,"confidence":0.8954723,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.17558053135871887},{"word":"it","start":465.19,"end":465.43,"confidence":0.9989631,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.19164994359016416},{"word":"just","start":465.43,"end":465.67,"confidence":0.99841833,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1585453301668167},{"word":"means","start":465.67,"end":465.91,"confidence":0.9967159,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.15857622027397156},{"word":"from","start":465.91,"end":466.15,"confidence":0.9965035,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.11278212070465088},{"word":"a","start":466.15,"end":466.23,"confidence":0.9958949,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1302286684513092},{"word":"tax","start":466.23,"end":466.55002,"confidence":0.9995534,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.036417603492736816},{"word":"point","start":466.55002,"end":466.71002,"confidence":0.9999362,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.08876189589500427},{"word":"of","start":466.71002,"end":466.87,"confidence":0.9997284,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08385243266820908},{"word":"view","start":466.87,"end":467.205,"confidence":0.9993895,"punctuated_word":"view.","sentiment":"neutral","sentiment_score":-0.09954707324504852},{"word":"so","start":467.205,"end":467.365,"confidence":0.99981624,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.029885470867156982},{"word":"let's","start":467.365,"end":467.685,"confidence":0.9980848,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.01207215152680874},{"word":"say","start":467.685,"end":467.965,"confidence":0.99981767,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.02547036111354828},{"word":"you","start":467.965,"end":468.245,"confidence":0.93777966,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03137554973363876},{"word":"make","start":468.245,"end":468.485,"confidence":0.93855566,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.00045161694288253784},{"word":"contributions","start":468.485,"end":468.985,"confidence":0.80444324,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":-0.006464678794145584},{"word":"and","start":470.645,"end":470.88498,"confidence":0.78019077,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01198144257068634},{"word":"then","start":470.88498,"end":471.365,"confidence":0.99967635,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.024241797626018524},{"word":"you","start":471.365,"end":471.685,"confidence":0.9982064,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00110587477684021},{"word":"you","start":471.685,"end":471.925,"confidence":0.99612916,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.013292990624904633},{"word":"say","start":471.925,"end":472.085,"confidence":0.9977786,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.01027274876832962},{"word":"that","start":472.085,"end":472.405,"confidence":0.9993362,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01032346487045288},{"word":"from","start":472.405,"end":472.72498,"confidence":0.99763465,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.01013556867837906},{"word":"ten","start":472.72498,"end":472.965,"confidence":0.9998758,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.001823827624320984},{"word":"years","start":472.965,"end":473.365,"confidence":0.9997218,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.004082128405570984},{"word":"or","start":473.365,"end":473.60498,"confidence":0.48219818,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.018559962511062626},{"word":"when","start":473.60498,"end":473.76498,"confidence":0.9997805,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.01318766176700592},{"word":"you","start":473.76498,"end":473.925,"confidence":0.99989986,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01050613820552826},{"word":"set","start":473.925,"end":474.16498,"confidence":0.9946997,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.028565675020217896},{"word":"the","start":474.16498,"end":474.32498,"confidence":0.9942932,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0032804012298583984},{"word":"bond","start":474.32498,"end":474.645,"confidence":0.8674741,"punctuated_word":"bond","sentiment":"neutral","sentiment_score":-0.0028348714113235474},{"word":"up","start":474.645,"end":475.145,"confidence":0.99777174,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.0439874604344368},{"word":"you","start":475.365,"end":475.525,"confidence":0.99956816,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03181852400302887},{"word":"wanna","start":475.525,"end":475.84497,"confidence":0.981247,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.07885110378265381},{"word":"take","start":475.84497,"end":476.085,"confidence":0.999403,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.08031940460205078},{"word":"it","start":476.085,"end":476.16498,"confidence":0.9997291,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04576033353805542},{"word":"all","start":476.16498,"end":476.32498,"confidence":0.9997527,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.05199435353279114},{"word":"out","start":476.32498,"end":476.485,"confidence":0.99409336,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.09589430689811708},{"word":"and","start":476.485,"end":476.645,"confidence":0.99753064,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06271591782569885},{"word":"give","start":476.645,"end":476.805,"confidence":0.9957071,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.0652981549501419},{"word":"to","start":476.805,"end":476.88498,"confidence":0.8757498,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09833671152591704},{"word":"your","start":476.88498,"end":477.04498,"confidence":0.98988616,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.058569639921188354},{"word":"children","start":477.04498,"end":477.54498,"confidence":0.9984522,"punctuated_word":"children.","sentiment":"neutral","sentiment_score":0.043421536684036255},{"word":"if","start":478.00497,"end":478.16498,"confidence":0.99911267,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.0013647153973579409},{"word":"you","start":478.16498,"end":478.485,"confidence":0.99968946,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02519272267818451},{"word":"let's","start":478.645,"end":478.965,"confidence":0.9995036,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.01865915209054947},{"word":"say","start":478.965,"end":479.28497,"confidence":0.99982446,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.011626683175563812},{"word":"after","start":479.28497,"end":479.76498,"confidence":0.50561255,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.008904874324798584},{"word":"five","start":479.76498,"end":480.085,"confidence":0.99940217,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.003974542021751404},{"word":"years","start":480.085,"end":480.585,"confidence":0.8639792,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.00182453915476799},{"word":"stop","start":480.645,"end":480.965,"confidence":0.9678391,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":-0.041657447814941406},{"word":"contribution","start":480.965,"end":481.465,"confidence":0.7546691,"punctuated_word":"contribution,","sentiment":"neutral","sentiment_score":-0.048575509339571},{"word":"and","start":482.43002,"end":482.67,"confidence":0.99928266,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.011040166020393372},{"word":"then","start":482.67,"end":482.99002,"confidence":0.9997334,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.02704538404941559},{"word":"let's","start":482.99002,"end":483.31,"confidence":0.8144947,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.010511798784136772},{"word":"say","start":483.31,"end":483.71002,"confidence":0.7447294,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.037938784807920456},{"word":"year","start":483.71002,"end":483.95,"confidence":0.93555236,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.06821231544017792},{"word":"seven","start":483.95,"end":484.35,"confidence":0.96968806,"punctuated_word":"seven,","sentiment":"neutral","sentiment_score":0.047738391906023026},{"word":"you","start":484.35,"end":484.51,"confidence":0.9995664,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05545765906572342},{"word":"decide","start":484.51,"end":484.91,"confidence":0.9971787,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.0844930037856102},{"word":"to","start":484.91,"end":485.15002,"confidence":0.99307793,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.037505194544792175},{"word":"put","start":485.15002,"end":485.55002,"confidence":0.9344663,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.03395741432905197},{"word":"more","start":485.55002,"end":485.87003,"confidence":0.99937326,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.021958373486995697},{"word":"in","start":485.87003,"end":486.35,"confidence":0.9260401,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.06792943179607391},{"word":"you","start":486.35,"end":486.59003,"confidence":0.99937385,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12396305799484252},{"word":"still","start":486.59003,"end":486.75,"confidence":0.9992797,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1973784863948822},{"word":"have","start":486.75,"end":486.99002,"confidence":0.9999069,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14689987897872925},{"word":"all","start":486.99002,"end":487.15002,"confidence":0.9996494,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.17791959643363953},{"word":"the","start":487.15002,"end":487.31,"confidence":0.99777156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14308352768421173},{"word":"gains","start":487.31,"end":487.63,"confidence":0.8014038,"punctuated_word":"gains.","sentiment":"neutral","sentiment_score":0.07948551326990128},{"word":"all","start":487.63,"end":487.87003,"confidence":0.99958044,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.11735676229000092},{"word":"the","start":487.87003,"end":487.95,"confidence":0.99895406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16972967982292175},{"word":"money","start":487.95,"end":488.27002,"confidence":0.99989486,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.14481250941753387},{"word":"is","start":488.27002,"end":488.43002,"confidence":0.98698646,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13695977628231049},{"word":"still","start":488.43002,"end":488.59003,"confidence":0.998705,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.22281235456466675},{"word":"there","start":488.59003,"end":488.83002,"confidence":0.87795955,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.12108126282691956},{"word":"it's","start":488.83002,"end":489.07,"confidence":0.9897224,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.13588722050189972},{"word":"still","start":489.07,"end":489.31,"confidence":0.99597496,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2303843200206757},{"word":"yours","start":489.31,"end":489.81,"confidence":0.9980581,"punctuated_word":"yours.","sentiment":"neutral","sentiment_score":0.12422247231006622},{"word":"it","start":490.27002,"end":490.51,"confidence":0.9989857,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.11457163840532304},{"word":"just","start":490.51,"end":490.83002,"confidence":0.9993436,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08733110129833221},{"word":"means","start":490.83002,"end":491.23,"confidence":0.9997706,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.02821655571460724},{"word":"that","start":491.23,"end":491.63,"confidence":0.9991835,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13501115143299103},{"word":"from","start":491.63,"end":492.13,"confidence":0.9968977,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.11568348109722136},{"word":"what","start":492.27002,"end":492.51,"confidence":0.83804756,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10595090687274931},{"word":"makes","start":492.51,"end":492.75,"confidence":0.99906284,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.07481378316879272},{"word":"us","start":492.75,"end":492.99002,"confidence":0.65291435,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.10815407335758208},{"word":"so","start":492.99002,"end":493.23,"confidence":0.9733204,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0616241991519928},{"word":"tax","start":493.23,"end":493.63,"confidence":0.9806851,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.26545512676239014},{"word":"effective","start":493.63,"end":494.11002,"confidence":0.971193,"punctuated_word":"effective","sentiment":"neutral","sentiment_score":0.1505932658910751},{"word":"with","start":494.11002,"end":494.35,"confidence":0.9989723,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.15332025289535522},{"word":"the","start":494.35,"end":494.51,"confidence":0.99938345,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10020698606967926},{"word":"bond","start":494.51,"end":494.91,"confidence":0.9708076,"punctuated_word":"bond,","sentiment":"neutral","sentiment_score":0.10675480961799622},{"word":"obviously","start":494.91,"end":495.31,"confidence":0.9503668,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.1214652732014656},{"word":"having","start":495.31,"end":495.63,"confidence":0.99963546,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.1806969940662384},{"word":"that","start":495.63,"end":495.95,"confidence":0.9975712,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15314620733261108},{"word":"0%","start":495.95,"end":496.77002,"confidence":0.991384,"punctuated_word":"0%,","sentiment":"neutral","sentiment_score":0.12043526023626328},{"word":"that","start":497.585,"end":497.985,"confidence":0.9592666,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10699827969074248},{"word":"time","start":497.985,"end":498.305,"confidence":0.9751663,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.066128209233284},{"word":"frame","start":498.305,"end":498.625,"confidence":0.9982494,"punctuated_word":"frame","sentiment":"neutral","sentiment_score":0.057688623666763306},{"word":"reset","start":498.625,"end":499.025,"confidence":0.9640493,"punctuated_word":"reset.","sentiment":"neutral","sentiment_score":-0.0099575137719512},{"word":"so","start":499.025,"end":499.26498,"confidence":0.9978751,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.044979676604270935},{"word":"if","start":499.26498,"end":499.76498,"confidence":0.99929523,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07860639691352844},{"word":"you","start":499.82498,"end":500.145,"confidence":0.9997805,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0763128474354744},{"word":"put","start":500.145,"end":500.38498,"confidence":0.99958783,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.04971359670162201},{"word":"money","start":500.38498,"end":500.705,"confidence":0.99992335,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.08982592076063156},{"word":"in","start":500.705,"end":501.185,"confidence":0.9995441,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2467358410358429},{"word":"at","start":501.185,"end":501.685,"confidence":0.715385,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.23243820667266848},{"word":"correct","start":504.705,"end":505.205,"confidence":0.96141446,"punctuated_word":"correct.","sentiment":"neutral","sentiment_score":0.025158392265439034},{"word":"exactly","start":505.345,"end":505.845,"confidence":0.99968946,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.06179738789796829},{"word":"so","start":506.065,"end":506.305,"confidence":0.99972624,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.00009514763951301576},{"word":"if","start":506.305,"end":506.54498,"confidence":0.9745318,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.004372628405690193},{"word":"it","start":506.625,"end":506.785,"confidence":0.869255,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.01152462512254715},{"word":"just","start":506.785,"end":507.10498,"confidence":0.99728835,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0057448893785476685},{"word":"resets","start":507.10498,"end":507.505,"confidence":0.9195062,"punctuated_word":"resets","sentiment":"neutral","sentiment_score":-0.012566205114126204},{"word":"the","start":507.505,"end":507.745,"confidence":0.99905246,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01744595170021057},{"word":"time","start":507.745,"end":507.985,"confidence":0.9974353,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.034304141998291016},{"word":"frame","start":507.985,"end":508.485,"confidence":0.9996606,"punctuated_word":"frame","sentiment":"neutral","sentiment_score":-0.005662158131599426},{"word":"if","start":508.865,"end":509.025,"confidence":0.83643013,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.01193157024681568},{"word":"you","start":509.025,"end":509.425,"confidence":0.99977607,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.020740695297718048},{"word":"stop","start":509.425,"end":509.925,"confidence":0.9901254,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":-0.009587660431861876},{"word":"for","start":510.71,"end":510.87,"confidence":0.9900551,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.008020594716072083},{"word":"twelve","start":510.87,"end":511.19,"confidence":0.99973696,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.0012697391211986542},{"word":"months","start":511.19,"end":511.69,"confidence":0.9925609,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":0.009974148124456406},{"word":"yeah","start":511.83,"end":512.31,"confidence":0.8801935,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07223731279373169},{"word":"so","start":512.31,"end":512.63,"confidence":0.9956814,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04265258833765984},{"word":"all","start":512.63,"end":512.79,"confidence":0.99911326,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07984164357185364},{"word":"the","start":512.79,"end":512.87,"confidence":0.999445,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10053884983062744},{"word":"money","start":512.87,"end":513.19,"confidence":0.99977297,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.05520792305469513},{"word":"is","start":513.19,"end":513.27,"confidence":0.6998334,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0766470655798912},{"word":"still","start":513.27,"end":513.43,"confidence":0.9997868,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.14338551461696625},{"word":"there","start":513.43,"end":513.67,"confidence":0.9929623,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.08996725082397461},{"word":"it","start":513.67,"end":513.83,"confidence":0.9982895,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.026761502027511597},{"word":"just","start":513.83,"end":513.99,"confidence":0.9993086,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.031641051173210144},{"word":"kind","start":513.99,"end":514.23,"confidence":0.9925761,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.05729556828737259},{"word":"of","start":514.23,"end":514.39,"confidence":0.9998505,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02880750596523285},{"word":"makes","start":514.39,"end":514.71,"confidence":0.9969517,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":-0.030851460993289948},{"word":"it","start":514.71,"end":515.11,"confidence":0.927686,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.0019100606441497805},{"word":"like","start":515.11,"end":515.61,"confidence":0.99622226,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.029681526124477383},{"word":"not","start":515.67,"end":515.83,"confidence":0.9827793,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08264612406492233},{"word":"as","start":515.83,"end":516.07,"confidence":0.93679464,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.05229375511407852},{"word":"tax","start":516.07,"end":516.47,"confidence":0.9000849,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.004783108830451965},{"word":"effective","start":516.47,"end":516.97,"confidence":0.9716579,"punctuated_word":"effective","sentiment":"neutral","sentiment_score":0.019234001636505127},{"word":"by","start":517.35,"end":517.67,"confidence":0.99810684,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.04009823501110077},{"word":"resetting","start":517.67,"end":518.17,"confidence":0.99988806,"punctuated_word":"resetting","sentiment":"neutral","sentiment_score":-0.04793248698115349},{"word":"the","start":518.31,"end":518.55,"confidence":0.9863034,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06668867915868759},{"word":"the","start":518.55,"end":518.71,"confidence":0.9813607,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04679526388645172},{"word":"time","start":518.71,"end":518.95,"confidence":0.9963438,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.08142873644828796},{"word":"frame","start":518.95,"end":519.27,"confidence":0.9788549,"punctuated_word":"frame.","sentiment":"neutral","sentiment_score":-0.04108487069606781},{"word":"but","start":519.27,"end":519.43,"confidence":0.98391354,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.007610969245433807},{"word":"let's","start":519.43,"end":519.58997,"confidence":0.98018724,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.012833939865231514},{"word":"say","start":519.58997,"end":519.83,"confidence":0.9998573,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.04370240867137909},{"word":"if","start":519.83,"end":520.07,"confidence":0.8060113,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03820964694023132},{"word":"you","start":520.07,"end":520.23,"confidence":0.9998486,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.021903209388256073},{"word":"have","start":520.23,"end":520.39,"confidence":0.9908125,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.016048885881900787},{"word":"it","start":520.39,"end":520.71,"confidence":0.80815995,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.016207069158554077},{"word":"that","start":521.02997,"end":521.27,"confidence":0.9978866,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.007449813187122345},{"word":"your","start":521.27,"end":521.58997,"confidence":0.99881953,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0031809285283088684},{"word":"time","start":521.58997,"end":521.91,"confidence":0.995546,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.002671271562576294},{"word":"frame","start":521.91,"end":522.41,"confidence":0.9992663,"punctuated_word":"frame","sentiment":"neutral","sentiment_score":0.020584531128406525},{"word":"is","start":522.55,"end":522.87,"confidence":0.9996704,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0056650713086128235},{"word":"ideally","start":522.87,"end":523.37,"confidence":0.98403704,"punctuated_word":"ideally","sentiment":"neutral","sentiment_score":0.020526545122265816},{"word":"fifteen","start":523.51,"end":523.91,"confidence":0.99615073,"punctuated_word":"fifteen","sentiment":"neutral","sentiment_score":0.06558167934417725},{"word":"years","start":523.91,"end":524.41,"confidence":0.9457828,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.043955303728580475},{"word":"let's","start":525.01495,"end":525.33496,"confidence":0.9778955,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.04175584763288498},{"word":"say","start":525.33496,"end":525.83496,"confidence":0.99574536,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.03955129534006119},{"word":"then","start":526.21497,"end":526.71497,"confidence":0.9995307,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.03208506479859352},{"word":"you","start":527.01495,"end":527.175,"confidence":0.9985821,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0886637344956398},{"word":"can","start":527.175,"end":527.495,"confidence":0.999845,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.114560067653656},{"word":"reset","start":527.495,"end":527.815,"confidence":0.99873704,"punctuated_word":"reset","sentiment":"neutral","sentiment_score":0.060011398047208786},{"word":"the","start":527.815,"end":527.975,"confidence":0.9973333,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03516607731580734},{"word":"time","start":527.975,"end":528.13495,"confidence":0.997267,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.0005552023649215698},{"word":"frame","start":528.13495,"end":528.375,"confidence":0.9843037,"punctuated_word":"frame.","sentiment":"neutral","sentiment_score":0.043260250240564346},{"word":"it","start":528.375,"end":528.45496,"confidence":0.99973685,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.04520692303776741},{"word":"doesn't","start":528.45496,"end":528.69495,"confidence":0.9999244,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.02939596027135849},{"word":"really","start":528.69495,"end":529.01495,"confidence":0.999801,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.01448645442724228},{"word":"matter","start":529.01495,"end":529.33496,"confidence":0.99987805,"punctuated_word":"matter","sentiment":"neutral","sentiment_score":-0.013664692640304564},{"word":"because","start":529.33496,"end":529.57495,"confidence":0.9148396,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.010125957429409029},{"word":"you","start":529.57495,"end":529.65497,"confidence":0.99981576,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.023310504853725433},{"word":"don't","start":529.65497,"end":529.89496,"confidence":0.99997455,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.04215211421251297},{"word":"wanna","start":529.89496,"end":530.13495,"confidence":0.9293523,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.08752091974020004},{"word":"take","start":530.13495,"end":530.295,"confidence":0.9992631,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.16908784210681915},{"word":"the","start":530.295,"end":530.45496,"confidence":0.99855477,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10126443207263948},{"word":"money","start":530.45496,"end":530.69495,"confidence":0.99995744,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.09823137521743774},{"word":"out","start":530.69495,"end":530.935,"confidence":0.9997538,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.11934664845466614},{"word":"for","start":530.935,"end":531.095,"confidence":0.9573216,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1069149523973465},{"word":"fifteen","start":531.095,"end":531.415,"confidence":0.9994972,"punctuated_word":"fifteen","sentiment":"neutral","sentiment_score":-0.03666847944259643},{"word":"years","start":531.415,"end":531.735,"confidence":0.9995666,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.026024989783763885},{"word":"anyway","start":531.735,"end":532.235,"confidence":0.9376304,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":-0.019963324069976807},{"word":"so","start":533.735,"end":533.89496,"confidence":0.69353014,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.010936550796031952},{"word":"all","start":533.89496,"end":534.055,"confidence":0.99223435,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.030683085322380062},{"word":"the","start":534.055,"end":534.21497,"confidence":0.9990701,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04623139649629593},{"word":"money","start":534.21497,"end":534.535,"confidence":0.9998006,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.0512155145406723},{"word":"is","start":534.535,"end":534.615,"confidence":0.920938,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.052248843014240265},{"word":"still","start":534.615,"end":534.855,"confidence":0.9979036,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.0374797061085701},{"word":"there","start":534.855,"end":535.25494,"confidence":0.99755216,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.05782084912061691},{"word":"it","start":535.25494,"end":535.415,"confidence":0.99907315,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.16322778165340424},{"word":"is","start":535.415,"end":535.65497,"confidence":0.99954826,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.18427850306034088},{"word":"a","start":535.65497,"end":535.815,"confidence":0.9997813,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14593833684921265},{"word":"bit","start":535.815,"end":536.315,"confidence":0.9956338,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1843979060649872},{"word":"complex","start":536.535,"end":537.035,"confidence":0.95543396,"punctuated_word":"complex,","sentiment":"neutral","sentiment_score":-0.1980789303779602},{"word":"but","start":537.66,"end":537.77997,"confidence":0.9844169,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.13262911140918732},{"word":"does","start":537.77997,"end":537.89996,"confidence":0.94080526,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.0989142209291458},{"word":"it","start":537.89996,"end":538.13995,"confidence":0.99714893,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06494864821434021},{"word":"kind","start":538.13995,"end":538.38,"confidence":0.9894521,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.0811237096786499},{"word":"of","start":538.38,"end":538.45996,"confidence":0.9993389,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08936360478401184},{"word":"make","start":538.45996,"end":538.7,"confidence":0.9143717,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.08331591635942459},{"word":"sense","start":538.7,"end":539.01996,"confidence":0.99512017,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":-0.057098206132650375},{"word":"it","start":539.01996,"end":539.1,"confidence":0.9991172,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.09431488811969756},{"word":"seems","start":539.1,"end":539.26,"confidence":0.9998227,"punctuated_word":"seems","sentiment":"neutral","sentiment_score":0.17963263392448425},{"word":"like","start":539.26,"end":539.42,"confidence":0.99409664,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2267509251832962},{"word":"you","start":539.42,"end":539.5,"confidence":0.9998388,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1552087515592575},{"word":"have","start":539.5,"end":539.66,"confidence":0.99988663,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14366060495376587},{"word":"a","start":539.66,"end":539.74,"confidence":0.99965227,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19672194123268127},{"word":"pretty","start":539.74,"end":539.89996,"confidence":0.99979657,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.30324333906173706},{"word":"good","start":539.89996,"end":540.13995,"confidence":0.9998385,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.21743282675743103},{"word":"understanding","start":540.13995,"end":540.62,"confidence":0.9995402,"punctuated_word":"understanding","sentiment":"neutral","sentiment_score":0.2117355465888977},{"word":"of","start":540.62,"end":540.86,"confidence":0.999603,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2240029275417328},{"word":"it","start":540.86,"end":541.36,"confidence":0.9984186,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.2171773910522461},{"word":"yes","start":544.94,"end":545.44,"confidence":0.96499336,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1644723415374756},{"word":"yes","start":546.38,"end":546.88,"confidence":0.9324955,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.025722280144691467},{"word":"yep","start":549.835,"end":550.335,"confidence":0.97807384,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0613788366317749},{"word":"yep","start":553.675,"end":554.175,"confidence":0.9887214,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.057550475001335144},{"word":"it","start":558.395,"end":558.715,"confidence":0.985903,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.08363132178783417},{"word":"does","start":558.715,"end":559.215,"confidence":0.998425,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":0.07656519114971161},{"word":"so","start":559.435,"end":559.755,"confidence":0.62953407,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08650555461645126},{"word":"it","start":559.755,"end":559.995,"confidence":0.99069023,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14045381546020508},{"word":"kind","start":559.995,"end":560.235,"confidence":0.98258173,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04091774672269821},{"word":"of","start":560.235,"end":560.475,"confidence":0.99913824,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.034658439457416534},{"word":"it","start":560.555,"end":560.715,"confidence":0.9991486,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02760452777147293},{"word":"changes","start":560.715,"end":561.215,"confidence":0.99983084,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.009835056960582731},{"word":"every","start":561.435,"end":561.755,"confidence":0.99985206,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.04094451665878296},{"word":"year","start":561.755,"end":561.995,"confidence":0.9833631,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.025473717600107193},{"word":"which","start":561.995,"end":562.235,"confidence":0.9998752,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.03529893606901169},{"word":"is","start":562.235,"end":562.475,"confidence":0.9949976,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.024584073573350903},{"word":"a","start":562.475,"end":562.635,"confidence":0.5054567,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.023155678063631054},{"word":"120","start":562.635,"end":563.435,"confidence":0.99389654,"punctuated_word":"120.","sentiment":"neutral","sentiment_score":0.02984868548810482},{"word":"so","start":563.435,"end":563.595,"confidence":0.9997482,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05483105033636093},{"word":"let's","start":563.595,"end":563.835,"confidence":0.9934914,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.04711252078413963},{"word":"say","start":563.835,"end":564.335,"confidence":0.9985037,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.036122195422649384},{"word":"2020","start":564.72,"end":566.24,"confidence":0.999699,"punctuated_word":"2020","sentiment":"neutral","sentiment_score":0.05449289828538895},{"word":"sorry","start":566.48,"end":566.95996,"confidence":0.8794005,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.028084658086299896},{"word":"april","start":566.95996,"end":567.44,"confidence":0.70496833,"punctuated_word":"April,","sentiment":"neutral","sentiment_score":0.03970279544591904},{"word":"for","start":567.44,"end":567.68,"confidence":0.74017364,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.048697274178266525},{"word":"simplicity","start":567.68,"end":568.18,"confidence":0.9196854,"punctuated_word":"simplicity,","sentiment":"neutral","sentiment_score":0.055686816573143005},{"word":"let's","start":568.32,"end":568.56,"confidence":0.654336,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.08253300189971924},{"word":"keep","start":568.56,"end":568.72,"confidence":0.8287871,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.06521156430244446},{"word":"it","start":568.72,"end":569.19995,"confidence":0.92725307,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.053168416023254395},{"word":"april","start":569.19995,"end":570.0499,"confidence":0.863261,"punctuated_word":"April","sentiment":"neutral","sentiment_score":0.05973845720291138},{"word":"2026","start":570.0499,"end":570.8999,"confidence":0.863261,"punctuated_word":"2026","sentiment":"neutral","sentiment_score":0.07086938619613647},{"word":"to","start":570.95996,"end":571.27997,"confidence":0.9470904,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05453960970044136},{"word":"april","start":571.27997,"end":572.07996,"confidence":0.98498094,"punctuated_word":"April","sentiment":"neutral","sentiment_score":0.0473230853676796},{"word":"2027","start":572.07996,"end":572.88,"confidence":0.98498094,"punctuated_word":"2027.","sentiment":"neutral","sentiment_score":0.06765537708997726},{"word":"let's","start":572.88,"end":573.04,"confidence":0.9995246,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.05409039556980133},{"word":"say","start":573.04,"end":573.19995,"confidence":0.9988877,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.04826954007148743},{"word":"you","start":573.19995,"end":573.36,"confidence":0.97466284,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0618828684091568},{"word":"did","start":573.36,"end":573.6,"confidence":0.6987247,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.06544850766658783},{"word":"$200","start":573.6,"end":574.39996,"confidence":0.9988334,"punctuated_word":"$200","sentiment":"neutral","sentiment_score":0.0786079615354538},{"word":"a","start":574.39996,"end":574.48,"confidence":0.9994979,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05564766749739647},{"word":"month","start":574.48,"end":574.98,"confidence":0.8885617,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":0.05915193259716034},{"word":"now","start":575.36,"end":575.68,"confidence":0.9994461,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.04366912692785263},{"word":"that","start":575.68,"end":575.92,"confidence":0.99713945,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.055056460201740265},{"word":"is","start":575.92,"end":576.42,"confidence":0.99987566,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04117283225059509},{"word":"2,400","start":576.63995,"end":578.33997,"confidence":0.91284275,"punctuated_word":"2,400.","sentiment":"neutral","sentiment_score":0.06092926114797592},{"word":"now","start":579.03503,"end":579.53503,"confidence":0.99962354,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.05601983889937401},{"word":"the","start":579.755,"end":580.075,"confidence":0.99725384,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06215368211269379},{"word":"2027","start":580.075,"end":581.29504,"confidence":0.9986829,"punctuated_word":"2027","sentiment":"neutral","sentiment_score":0.06731127202510834},{"word":"to","start":581.435,"end":581.67505,"confidence":0.998531,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.057534195482730865},{"word":"2028","start":581.67505,"end":583.375,"confidence":0.9978635,"punctuated_word":"2028,","sentiment":"neutral","sentiment_score":0.06044186279177666},{"word":"you","start":583.67505,"end":583.91504,"confidence":0.9996247,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06285899877548218},{"word":"can","start":583.91504,"end":584.155,"confidence":0.99989045,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.053952693939208984},{"word":"then","start":584.155,"end":584.315,"confidence":0.99923146,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.058060355484485626},{"word":"do","start":584.315,"end":584.635,"confidence":0.99966896,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05543079227209091},{"word":"3,000","start":584.635,"end":585.375,"confidence":0.9997025,"punctuated_word":"3,000","sentiment":"neutral","sentiment_score":0.06502717733383179},{"word":"max","start":585.91504,"end":586.395,"confidence":0.9559842,"punctuated_word":"max","sentiment":"neutral","sentiment_score":0.0791935846209526},{"word":"for","start":586.395,"end":586.635,"confidence":0.99100596,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0711740255355835},{"word":"that","start":586.635,"end":586.79504,"confidence":0.99981266,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05779849737882614},{"word":"year","start":586.79504,"end":587.29504,"confidence":0.9991679,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.08236100524663925},{"word":"because","start":587.35504,"end":587.755,"confidence":0.78306216,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.08470375090837479},{"word":"that","start":587.755,"end":587.99506,"confidence":0.9996018,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04413146898150444},{"word":"is","start":587.99506,"end":588.23505,"confidence":0.9993825,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04982371628284454},{"word":"a","start":588.23505,"end":588.395,"confidence":0.9160947,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07578915357589722},{"word":"100","start":588.395,"end":588.715,"confidence":0.99953604,"punctuated_word":"100","sentiment":"neutral","sentiment_score":0.06927217543125153},{"word":"and","start":588.715,"end":588.875,"confidence":0.99380267,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.048558540642261505},{"word":"twenty","start":588.875,"end":589.375,"confidence":0.8732883,"punctuated_word":"twenty.","sentiment":"neutral","sentiment_score":0.0549340657889843},{"word":"correct","start":590.715,"end":591.215,"confidence":0.9865447,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.1664179563522339},{"word":"so","start":591.63,"end":591.79004,"confidence":0.766477,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.016502145677804947},{"word":"the","start":591.79004,"end":591.87,"confidence":0.9977951,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.015510912984609604},{"word":"100","start":591.87,"end":592.19,"confidence":0.9956053,"punctuated_word":"100","sentiment":"neutral","sentiment_score":-0.02861322835087776},{"word":"and","start":592.19,"end":592.35004,"confidence":0.98834246,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.050315532833337784},{"word":"20","start":592.35004,"end":592.75,"confidence":0.9983138,"punctuated_word":"20","sentiment":"neutral","sentiment_score":-0.04160476103425026},{"word":"no","start":596.11,"end":596.59,"confidence":0.99563456,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.0940771996974945},{"word":"no","start":596.59,"end":597.09,"confidence":0.99827933,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07040686905384064},{"word":"no","start":597.39,"end":597.87,"confidence":0.8606805,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08740000426769257},{"word":"no","start":597.87,"end":598.03,"confidence":0.60778844,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08868251740932465},{"word":"not","start":598.03,"end":598.27,"confidence":0.25261196,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.06853136420249939},{"word":"that","start":598.27,"end":598.43,"confidence":0.45387685,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.055108144879341125},{"word":"as","start":598.43,"end":598.59,"confidence":0.98728174,"punctuated_word":"As","sentiment":"neutral","sentiment_score":-0.04932960122823715},{"word":"long","start":598.59,"end":598.83,"confidence":0.9997825,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.00966016948223114},{"word":"as","start":598.83,"end":598.91003,"confidence":0.9974552,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.00519050657749176},{"word":"you","start":598.91003,"end":599.07,"confidence":0.9995122,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015127837657928469},{"word":"don't","start":599.07,"end":599.31,"confidence":0.99986446,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.005310309585183859},{"word":"go","start":599.31,"end":599.55,"confidence":0.9994678,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.030666090548038483},{"word":"over","start":599.55,"end":599.87,"confidence":0.998243,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.01005469262599945},{"word":"one","start":599.87,"end":600.19,"confidence":0.9550905,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.03229425847530365},{"word":"twenty","start":600.19,"end":600.69,"confidence":0.98317116,"punctuated_word":"twenty,","sentiment":"neutral","sentiment_score":-0.01517864316701889},{"word":"which","start":600.99,"end":601.23004,"confidence":0.9998141,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.01169922947883606},{"word":"is","start":601.23004,"end":601.39,"confidence":0.99985707,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.006838835775852203},{"word":"why","start":601.39,"end":601.55,"confidence":0.9994574,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.01927495002746582},{"word":"they","start":601.55,"end":601.71,"confidence":0.99972254,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.030807100236415863},{"word":"call","start":601.71,"end":601.95,"confidence":0.9974699,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.018641874194145203},{"word":"it","start":601.95,"end":602.19,"confidence":0.6708313,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04872079938650131},{"word":"a","start":602.19,"end":602.27,"confidence":0.9955519,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.054231930524110794},{"word":"120%","start":602.27,"end":603.47003,"confidence":0.9989469,"punctuated_word":"120%","sentiment":"neutral","sentiment_score":0.06634852290153503},{"word":"rule","start":603.47003,"end":603.97003,"confidence":0.9933358,"punctuated_word":"rule.","sentiment":"neutral","sentiment_score":0.08551488816738129},{"word":"so","start":604.085,"end":604.325,"confidence":0.9866735,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08059978485107422},{"word":"if","start":604.325,"end":604.485,"confidence":0.99022293,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10028864443302156},{"word":"if","start":604.485,"end":604.645,"confidence":0.66616046,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16664782166481018},{"word":"you","start":604.645,"end":604.885,"confidence":0.99417794,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17061945796012878},{"word":"stay","start":604.885,"end":605.205,"confidence":0.99831283,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.11413406580686568},{"word":"within","start":605.205,"end":605.525,"confidence":0.9999461,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.21916386485099792},{"word":"the","start":605.525,"end":605.685,"confidence":0.9973127,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16223549842834473},{"word":"125%","start":605.685,"end":607.065,"confidence":0.9979002,"punctuated_word":"125%,","sentiment":"neutral","sentiment_score":0.15556088089942932},{"word":"you","start":607.365,"end":607.605,"confidence":0.99919647,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21201087534427643},{"word":"can","start":607.605,"end":607.925,"confidence":0.83766115,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":0.20218011736869812},{"word":"if","start":607.925,"end":608.165,"confidence":0.99956864,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2465856373310089},{"word":"you","start":608.165,"end":608.325,"confidence":0.99942195,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2091393321752548},{"word":"want","start":608.325,"end":608.565,"confidence":0.9969137,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.2184162437915802},{"word":"through","start":608.565,"end":608.965,"confidence":0.58318394,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.17691075801849365},{"word":"every","start":608.965,"end":609.28503,"confidence":0.7934639,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.1802806705236435},{"word":"year","start":609.28503,"end":609.78503,"confidence":0.9670532,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.17737480998039246},{"word":"increase","start":609.84503,"end":610.245,"confidence":0.99868625,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.20994892716407776},{"word":"it","start":610.245,"end":610.745,"confidence":0.9764705,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20570515096187592},{"word":"to","start":611.125,"end":611.365,"confidence":0.8418149,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19825074076652527},{"word":"the","start":611.365,"end":611.765,"confidence":0.7861589,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21228772401809692},{"word":"max","start":611.765,"end":612.165,"confidence":0.98888004,"punctuated_word":"max","sentiment":"neutral","sentiment_score":0.2087042331695557},{"word":"amount","start":612.165,"end":612.565,"confidence":0.78737533,"punctuated_word":"amount,","sentiment":"neutral","sentiment_score":0.15723185241222382},{"word":"and","start":612.565,"end":612.965,"confidence":0.9991997,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11967049539089204},{"word":"you'll","start":612.965,"end":613.28503,"confidence":0.9940176,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.17875134944915771},{"word":"stay","start":613.28503,"end":613.525,"confidence":0.8661437,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.13349635899066925},{"word":"with","start":613.525,"end":613.765,"confidence":0.9144816,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09691102802753448},{"word":"with","start":613.765,"end":614.005,"confidence":0.5636304,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10817144811153412},{"word":"under","start":614.085,"end":614.405,"confidence":0.9985318,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.23540793359279633},{"word":"the","start":614.405,"end":614.565,"confidence":0.9974922,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1490125209093094},{"word":"threshold","start":614.565,"end":615.065,"confidence":0.9324967,"punctuated_word":"threshold.","sentiment":"neutral","sentiment_score":0.12168142199516296},{"word":"it's","start":615.28503,"end":615.525,"confidence":0.99890804,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.04498892277479172},{"word":"just","start":615.525,"end":615.765,"confidence":0.99985313,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04834866151213646},{"word":"if","start":615.765,"end":615.84503,"confidence":0.98546034,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05588158965110779},{"word":"you","start":615.84503,"end":616.085,"confidence":0.9997782,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03654433414340019},{"word":"go","start":616.085,"end":616.325,"confidence":0.9678822,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.05600236356258392},{"word":"over","start":616.325,"end":616.825,"confidence":0.98382974,"punctuated_word":"over.","sentiment":"neutral","sentiment_score":0.07616609334945679},{"word":"the","start":617.125,"end":617.365,"confidence":0.9906977,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.19521450996398929},{"word":"good","start":617.365,"end":617.525,"confidence":0.999696,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4733518362045288},{"word":"thing","start":617.525,"end":617.765,"confidence":0.99901736,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.10413772612810136},{"word":"with","start":617.765,"end":618.265,"confidence":0.95717555,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.014291420578956604},{"word":"correct","start":620.77,"end":621.08997,"confidence":0.94279283,"punctuated_word":"correct.","sentiment":"neutral","sentiment_score":0.007784310728311539},{"word":"correct","start":621.08997,"end":621.58997,"confidence":0.989177,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.008151157759130001},{"word":"correct","start":622.93,"end":623.43,"confidence":0.9398103,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.014475755393505096},{"word":"yes","start":626.45,"end":626.95,"confidence":0.9507015,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08059860020875931},{"word":"100%","start":627.49,"end":628.31,"confidence":0.9798553,"punctuated_word":"100%.","sentiment":"neutral","sentiment_score":0.1636127531528473},{"word":"yes","start":628.37,"end":628.77,"confidence":0.9985211,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12394466996192932},{"word":"correct","start":628.77,"end":629.27,"confidence":0.99851245,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.17629960179328918},{"word":"and","start":629.49,"end":629.64996,"confidence":0.97978914,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1522403359413147},{"word":"the","start":629.64996,"end":629.81,"confidence":0.80145675,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17013537883758545},{"word":"good","start":629.81,"end":630.05,"confidence":0.99871314,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.25672513246536255},{"word":"no","start":631.525,"end":631.765,"confidence":0.9968128,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":0.0557684525847435},{"word":"exactly","start":631.765,"end":632.265,"confidence":0.99956894,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.1386621594429016},{"word":"and","start":632.565,"end":632.725,"confidence":0.99943095,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10935041308403017},{"word":"the","start":632.725,"end":632.885,"confidence":0.98784375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2079240083694458},{"word":"good","start":632.885,"end":633.045,"confidence":0.9999039,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5049450397491455},{"word":"thing","start":633.045,"end":633.285,"confidence":0.9995727,"punctuated_word":"thing","sentiment":"positive","sentiment_score":0.634347140789032},{"word":"with","start":633.285,"end":633.525,"confidence":0.9996136,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.539361298084259},{"word":"genlife","start":633.525,"end":634.025,"confidence":0.7970621,"punctuated_word":"Genlife","sentiment":"positive","sentiment_score":0.527565598487854},{"word":"as","start":634.165,"end":634.325,"confidence":0.9944718,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.565805971622467},{"word":"well","start":634.325,"end":634.725,"confidence":0.9998437,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.5947467088699341},{"word":"is","start":634.725,"end":634.885,"confidence":0.9930789,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5508890151977539},{"word":"that","start":634.885,"end":635.285,"confidence":0.9995565,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.39788952469825745},{"word":"if","start":635.285,"end":635.525,"confidence":0.9133985,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2778615951538086},{"word":"for","start":635.525,"end":636.025,"confidence":0.60024136,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07399303466081619},{"word":"for","start":636.245,"end":636.405,"confidence":0.7835793,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11371077597141266},{"word":"some","start":636.405,"end":636.645,"confidence":0.9983595,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1418437659740448},{"word":"reason","start":636.645,"end":637.145,"confidence":0.7590698,"punctuated_word":"reason,","sentiment":"neutral","sentiment_score":0.15051043033599854},{"word":"you","start":637.205,"end":637.365,"confidence":0.99915063,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10178075730800629},{"word":"forget","start":637.365,"end":637.685,"confidence":0.99796546,"punctuated_word":"forget","sentiment":"neutral","sentiment_score":0.08620071411132812},{"word":"the","start":637.685,"end":637.845,"confidence":0.99873227,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11515435576438904},{"word":"rule","start":637.845,"end":638.165,"confidence":0.99567044,"punctuated_word":"rule","sentiment":"neutral","sentiment_score":0.09514891356229782},{"word":"or","start":638.165,"end":638.665,"confidence":0.8995535,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.13624784350395203},{"word":"you","start":638.725,"end":638.885,"confidence":0.99955255,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12737339735031128},{"word":"are","start":638.885,"end":639.045,"confidence":0.96574134,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.20107479393482208},{"word":"not","start":639.045,"end":639.205,"confidence":0.9998311,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.1391245424747467},{"word":"sure","start":639.205,"end":639.525,"confidence":0.9998603,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.06537153571844101},{"word":"how","start":639.525,"end":639.605,"confidence":0.9997923,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.18194882571697235},{"word":"much","start":639.605,"end":639.845,"confidence":0.9998648,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.2161056250333786},{"word":"you've","start":639.845,"end":640.085,"confidence":0.9973556,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.2785336375236511},{"word":"done","start":640.085,"end":640.405,"confidence":0.99951017,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.2903517186641693},{"word":"and","start":640.405,"end":640.645,"confidence":0.7924657,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22689135372638705},{"word":"you","start":640.645,"end":640.965,"confidence":0.9996549,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21777749061584473},{"word":"put","start":640.965,"end":641.465,"confidence":0.96849614,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.2041970044374466},{"word":"extra","start":641.525,"end":641.925,"confidence":0.99970347,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.23042675852775577},{"word":"in","start":641.925,"end":642.425,"confidence":0.7875538,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.21395070850849152},{"word":"and","start":643.045,"end":643.205,"confidence":0.9987639,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1780516356229782},{"word":"you","start":643.205,"end":643.445,"confidence":0.99974567,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.182013675570488},{"word":"don't","start":643.445,"end":643.685,"confidence":0.99788046,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.22250816226005551},{"word":"tell","start":643.685,"end":644.005,"confidence":0.9995005,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.17442701756954193},{"word":"us","start":644.005,"end":644.165,"confidence":0.9996691,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.19660557806491852},{"word":"and","start":644.165,"end":644.325,"confidence":0.57798994,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2352683991193771},{"word":"you're","start":644.325,"end":644.485,"confidence":0.7889204,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.25861242413520813},{"word":"just","start":644.485,"end":644.725,"confidence":0.9977957,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17775148153305054},{"word":"like","start":644.725,"end":644.805,"confidence":0.9597175,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1554519385099411},{"word":"oh","start":644.805,"end":644.965,"confidence":0.9967381,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.24104227125644684},{"word":"yeah","start":644.965,"end":645.125,"confidence":0.81923914,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.32557588815689087},{"word":"i","start":645.125,"end":645.285,"confidence":0.99986815,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2773054242134094},{"word":"wanna","start":645.285,"end":645.605,"confidence":0.9925533,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.25961166620254517},{"word":"put","start":645.605,"end":645.765,"confidence":0.99793243,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.22881756722927096},{"word":"in","start":645.765,"end":646.14,"confidence":0.8455277,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.2974625527858734},{"word":"genlife","start":646.38,"end":646.88,"confidence":0.69742495,"punctuated_word":"Genlife","sentiment":"neutral","sentiment_score":0.2636011838912964},{"word":"will","start":646.94,"end":647.18,"confidence":0.99832934,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2791162431240082},{"word":"notify","start":647.18,"end":647.66003,"confidence":0.99964786,"punctuated_word":"notify","sentiment":"neutral","sentiment_score":0.27906355261802673},{"word":"us","start":647.66003,"end":648.16003,"confidence":0.9905994,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":0.24085330963134768},{"word":"so","start":648.38,"end":648.62,"confidence":0.9281864,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.25155580043792725},{"word":"they","start":648.62,"end":648.78,"confidence":0.9998179,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.31032922863960266},{"word":"have","start":648.78,"end":649.02,"confidence":0.9997328,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.286995530128479},{"word":"kind","start":649.02,"end":649.26,"confidence":0.99426633,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.3068731427192688},{"word":"of","start":649.26,"end":649.34,"confidence":0.99980253,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.34055399894714355},{"word":"a","start":649.34,"end":649.5,"confidence":0.9901709,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3249777853488922},{"word":"safety","start":649.5,"end":649.9,"confidence":0.68423635,"punctuated_word":"safety,","sentiment":"neutral","sentiment_score":0.2800464630126953},{"word":"so","start":649.9,"end":650.06,"confidence":0.9980242,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2851857841014862},{"word":"they","start":650.06,"end":650.22003,"confidence":0.9996105,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.2892184853553772},{"word":"will","start":650.22003,"end":650.46,"confidence":0.99802303,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2720174789428711},{"word":"notified","start":650.46,"end":650.94,"confidence":0.91567016,"punctuated_word":"notified","sentiment":"neutral","sentiment_score":0.2969379127025604},{"word":"us","start":650.94,"end":651.10004,"confidence":0.9994518,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.17725291848182678},{"word":"and","start":651.10004,"end":651.26,"confidence":0.9941507,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20775018632411957},{"word":"say","start":651.26,"end":651.42004,"confidence":0.9971413,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.20914410054683685},{"word":"hey","start":651.42004,"end":651.92004,"confidence":0.9774554,"punctuated_word":"hey.","sentiment":"neutral","sentiment_score":0.30234473943710327},{"word":"we've","start":652.14,"end":652.46,"confidence":0.9992722,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.22500932216644287},{"word":"seen","start":652.46,"end":652.78,"confidence":0.9998109,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.1972217857837677},{"word":"that","start":652.78,"end":653.02,"confidence":0.99970573,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1835126280784607},{"word":"there's","start":653.02,"end":653.34,"confidence":0.9990522,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.2042241394519806},{"word":"more","start":653.34,"end":653.58,"confidence":0.9997267,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1763325035572052},{"word":"than","start":653.58,"end":653.82,"confidence":0.999703,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.18578463792800903},{"word":"a","start":653.82,"end":653.98004,"confidence":0.99496365,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2046889364719391},{"word":"125%","start":653.98004,"end":655.18,"confidence":0.9116707,"punctuated_word":"125%","sentiment":"neutral","sentiment_score":0.18191707134246823},{"word":"added","start":655.18,"end":655.5,"confidence":0.9988593,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.1372370719909668},{"word":"this","start":655.5,"end":655.74,"confidence":0.9992537,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1584680676460266},{"word":"year","start":655.74,"end":656.24,"confidence":0.99556047,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.1962113380432129},{"word":"is","start":656.46,"end":656.62,"confidence":0.99961865,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.09136377274990082},{"word":"that","start":656.62,"end":656.86,"confidence":0.99991786,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1632944643497467},{"word":"correct","start":656.86,"end":657.26,"confidence":0.9093146,"punctuated_word":"correct,","sentiment":"neutral","sentiment_score":0.09376475214958192},{"word":"or","start":657.26,"end":657.42004,"confidence":0.99967754,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03789006173610687},{"word":"do","start":657.42004,"end":657.5,"confidence":0.9997898,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02599162980914116},{"word":"you","start":657.5,"end":657.58,"confidence":0.9998161,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05335336923599243},{"word":"want","start":657.58,"end":657.82,"confidence":0.99943656,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.05555953085422516},{"word":"us","start":657.82,"end":657.98004,"confidence":0.9991566,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.09317327290773392},{"word":"to","start":657.98004,"end":658.14,"confidence":0.99810165,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09343594312667848},{"word":"refund","start":658.14,"end":658.54004,"confidence":0.9992275,"punctuated_word":"refund","sentiment":"neutral","sentiment_score":0.05026346445083618},{"word":"some","start":658.54004,"end":658.7,"confidence":0.997521,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.03800903260707855},{"word":"of","start":658.7,"end":658.86,"confidence":0.9997638,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08117431402206421},{"word":"the","start":658.86,"end":659.02,"confidence":0.99939334,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08863824605941772},{"word":"amount","start":659.02,"end":659.475,"confidence":0.88999975,"punctuated_word":"amount?","sentiment":"neutral","sentiment_score":0.06696932017803192},{"word":"so","start":659.71497,"end":659.95496,"confidence":0.65378153,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1370596140623093},{"word":"they","start":659.95496,"end":660.27496,"confidence":0.9997595,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.2755735218524933},{"word":"are","start":660.27496,"end":660.435,"confidence":0.99987435,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.32786229252815247},{"word":"very","start":660.435,"end":660.755,"confidence":0.9998097,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.32194146513938904},{"word":"good","start":660.755,"end":661.15497,"confidence":0.9998908,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4113351106643677},{"word":"with","start":661.15497,"end":661.39496,"confidence":0.99439275,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4588834941387177},{"word":"letting","start":661.39496,"end":661.71497,"confidence":0.99942446,"punctuated_word":"letting","sentiment":"positive","sentiment_score":0.520962655544281},{"word":"us","start":661.71497,"end":661.95496,"confidence":0.9998234,"punctuated_word":"us","sentiment":"positive","sentiment_score":0.4302697777748108},{"word":"know","start":661.95496,"end":662.27496,"confidence":0.9997397,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.4881996512413025},{"word":"and","start":662.27496,"end":662.595,"confidence":0.9987563,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4100528657436371},{"word":"communicate","start":662.595,"end":663.095,"confidence":0.99963725,"punctuated_word":"communicate","sentiment":"positive","sentiment_score":0.45235052704811096},{"word":"if","start":663.235,"end":663.735,"confidence":0.99270964,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.36686331033706665},{"word":"it","start":664.035,"end":664.27496,"confidence":0.99832124,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.32572174072265625},{"word":"is","start":664.27496,"end":664.435,"confidence":0.99963534,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.267922967672348},{"word":"a","start":664.435,"end":664.675,"confidence":0.815721,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.28447890281677246},{"word":"situation","start":664.675,"end":665.175,"confidence":0.9420842,"punctuated_word":"situation.","sentiment":"neutral","sentiment_score":0.17111815512180328},{"word":"but","start":665.315,"end":665.475,"confidence":0.99977034,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.06512157618999481},{"word":"i","start":665.475,"end":665.555,"confidence":0.9962261,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03150844946503639},{"word":"would","start":665.555,"end":665.795,"confidence":0.99994504,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.024059686809778217},{"word":"say","start":665.795,"end":666.115,"confidence":0.999846,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.0427485816180706},{"word":"if","start":666.115,"end":666.27496,"confidence":0.62841916,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.012246817350387572},{"word":"you","start":666.27496,"end":666.435,"confidence":0.9968569,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.025040268898010257},{"word":"are","start":666.435,"end":666.595,"confidence":0.6128361,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0017307847738265991},{"word":"unsure","start":666.595,"end":666.995,"confidence":0.9871902,"punctuated_word":"unsure","sentiment":"neutral","sentiment_score":0.010698962956666946},{"word":"or","start":666.995,"end":667.15497,"confidence":0.7318401,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.018264837563037872},{"word":"if","start":667.15497,"end":667.315,"confidence":0.99175996,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.001987867057323456},{"word":"you're","start":667.315,"end":667.475,"confidence":0.9971032,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.024782788008451465},{"word":"trying","start":667.475,"end":667.875,"confidence":0.99970645,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.052516624331474304},{"word":"to","start":667.875,"end":668.035,"confidence":0.9996382,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05724860355257988},{"word":"do","start":668.035,"end":668.27496,"confidence":0.9996561,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07328227162361145},{"word":"more","start":668.27496,"end":668.77496,"confidence":0.9986733,"punctuated_word":"more,","sentiment":"neutral","sentiment_score":0.0702168345451355},{"word":"just","start":669.15497,"end":669.315,"confidence":0.5284214,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09962239116430284},{"word":"give","start":669.315,"end":669.555,"confidence":0.9998996,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.07848358154296875},{"word":"us","start":669.555,"end":669.63495,"confidence":0.9998105,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.09996083378791808},{"word":"a","start":669.63495,"end":669.795,"confidence":0.99787104,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09234139323234558},{"word":"call","start":669.795,"end":669.95496,"confidence":0.8275312,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":0.08905009180307388},{"word":"and","start":669.95496,"end":670.115,"confidence":0.998706,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0875512883067131},{"word":"we","start":670.115,"end":670.27496,"confidence":0.9996177,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11241894215345384},{"word":"can","start":670.27496,"end":670.435,"confidence":0.95952874,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13315349817276},{"word":"can","start":670.435,"end":670.595,"confidence":0.52555233,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12285390496253969},{"word":"just","start":670.595,"end":670.755,"confidence":0.99786395,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12270855903625488},{"word":"run","start":670.755,"end":670.995,"confidence":0.9994091,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.1005423069000244},{"word":"through","start":670.995,"end":671.15497,"confidence":0.99976045,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1073818951845169},{"word":"the","start":671.15497,"end":671.315,"confidence":0.99846846,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1189817637205124},{"word":"numbers","start":671.315,"end":671.795,"confidence":0.99748516,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":0.09386487305164336},{"word":"just","start":671.795,"end":672.115,"confidence":0.9955895,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14368250966072085},{"word":"to","start":672.115,"end":672.27496,"confidence":0.99983275,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0903015062212944},{"word":"make","start":672.27496,"end":672.51495,"confidence":0.9999114,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.0940740406513214},{"word":"sure","start":672.51495,"end":673.01495,"confidence":0.99966717,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.10580787062644958},{"word":"you","start":673.07495,"end":673.235,"confidence":0.999062,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0489463210105896},{"word":"stay","start":673.235,"end":673.555,"confidence":0.99970967,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.043837770819664},{"word":"under","start":673.555,"end":673.795,"confidence":0.9968779,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.07441940158605576},{"word":"the","start":673.795,"end":673.95496,"confidence":0.99922204,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0449005588889122},{"word":"threshold","start":673.95496,"end":674.45496,"confidence":0.9982847,"punctuated_word":"threshold.","sentiment":"neutral","sentiment_score":0.04759228229522705},{"word":"yeah","start":676.17,"end":676.67,"confidence":0.9258972,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09384313225746156},{"word":"does","start":676.73,"end":676.97,"confidence":0.96357185,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.05385782942175865},{"word":"that","start":676.97,"end":677.12994,"confidence":0.99276334,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07950396835803986},{"word":"answer","start":677.12994,"end":677.52997,"confidence":0.99598455,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":0.050669316202402115},{"word":"those","start":677.52997,"end":677.85,"confidence":0.97657883,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.060676805675029755},{"word":"questions","start":677.85,"end":678.25,"confidence":0.9782462,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.04580122232437134},{"word":"for","start":678.25,"end":678.56995,"confidence":0.9991572,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.046081289649009705},{"word":"you","start":678.56995,"end":679.06995,"confidence":0.99944675,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.03139209747314453},{"word":"yeah","start":679.61,"end":680.11,"confidence":0.70888805,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0026708943769335747},{"word":"yeah","start":683.05,"end":683.55,"confidence":0.82946086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.010812430642545223},{"word":"no","start":685.68994,"end":685.93,"confidence":0.9827481,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07158314436674118},{"word":"that's","start":685.93,"end":686.25,"confidence":0.96663284,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.0689316838979721},{"word":"okay","start":686.25,"end":686.75,"confidence":0.99946135,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.0661124587059021},{"word":"oh","start":687.60504,"end":687.84503,"confidence":0.99444634,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.01755509525537491},{"word":"yes","start":687.84503,"end":688.085,"confidence":0.9989105,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":-0.004872309044003487},{"word":"and","start":688.085,"end":688.48505,"confidence":0.94121206,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.029897239059209824},{"word":"it","start":688.48505,"end":688.565,"confidence":0.9984964,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04484038054943085},{"word":"it","start":688.565,"end":688.72504,"confidence":0.98253536,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04328908026218414},{"word":"it","start":688.72504,"end":688.885,"confidence":0.81530815,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.049923673272132874},{"word":"is","start":688.885,"end":689.125,"confidence":0.99798065,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05513765662908554},{"word":"messy","start":689.125,"end":689.445,"confidence":0.8791377,"punctuated_word":"messy,","sentiment":"neutral","sentiment_score":-0.05091612786054611},{"word":"and","start":689.445,"end":689.685,"confidence":0.9997147,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05311831086874008},{"word":"sometimes","start":689.685,"end":690.005,"confidence":0.99343115,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":-0.03149162977933884},{"word":"it's","start":690.005,"end":690.16504,"confidence":0.9701008,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0041820756159722805},{"word":"good","start":690.16504,"end":690.405,"confidence":0.9999168,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.06610668450593948},{"word":"to","start":690.405,"end":690.565,"confidence":0.99959546,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05701271444559097},{"word":"refresh","start":690.565,"end":690.885,"confidence":0.9992576,"punctuated_word":"refresh","sentiment":"neutral","sentiment_score":0.02993837743997574},{"word":"because","start":690.885,"end":691.04504,"confidence":0.40079686,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.030130453407764435},{"word":"especially","start":691.04504,"end":691.445,"confidence":0.7991856,"punctuated_word":"especially","sentiment":"neutral","sentiment_score":0.04293181747198105},{"word":"in","start":691.445,"end":691.525,"confidence":0.98987424,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02385672926902771},{"word":"a","start":691.525,"end":691.60504,"confidence":0.67714834,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0052083879709243774},{"word":"year's","start":691.60504,"end":691.84503,"confidence":0.98560846,"punctuated_word":"year's","sentiment":"neutral","sentiment_score":-0.009892478585243223},{"word":"time","start":691.84503,"end":692.085,"confidence":0.86293536,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.005029592663049698},{"word":"you're","start":692.085,"end":692.325,"confidence":0.99923116,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.03787003457546234},{"word":"like","start":692.325,"end":692.48505,"confidence":0.98281014,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.027213525027036667},{"word":"oh","start":692.48505,"end":692.645,"confidence":0.99712604,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.0313873365521431},{"word":"yeah","start":692.645,"end":693.125,"confidence":0.89538157,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.0228082537651062},{"word":"and","start":693.125,"end":693.28503,"confidence":0.9957366,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.02247760444879532},{"word":"i","start":693.28503,"end":693.445,"confidence":0.99984705,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03307674080133438},{"word":"would","start":693.445,"end":693.60504,"confidence":0.999962,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.00787162035703659},{"word":"much","start":693.60504,"end":693.84503,"confidence":0.99691236,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.035578593611717224},{"word":"rather","start":693.84503,"end":694.16504,"confidence":0.9368595,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":-0.012299031019210815},{"word":"have","start":694.16504,"end":694.405,"confidence":0.9987312,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05470944195985794},{"word":"you","start":694.405,"end":694.565,"confidence":0.9969988,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.034840717911720276},{"word":"calling","start":694.565,"end":695.04504,"confidence":0.8830924,"punctuated_word":"calling.","sentiment":"neutral","sentiment_score":0.008092883974313736},{"word":"and","start":695.04504,"end":695.54504,"confidence":0.9965603,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.034838125109672546},{"word":"if","start":696.16504,"end":696.325,"confidence":0.7179029,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.047906093299388885},{"word":"that's","start":696.325,"end":696.565,"confidence":0.99802303,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.036951836198568344},{"word":"every","start":696.565,"end":696.885,"confidence":0.9977291,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.03787175565958023},{"word":"six","start":696.885,"end":697.04504,"confidence":0.99972755,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.034386105835437775},{"word":"months","start":697.04504,"end":697.445,"confidence":0.9985561,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.03742277622222901},{"word":"or","start":697.445,"end":697.685,"confidence":0.99827933,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.057797543704509735},{"word":"three","start":697.685,"end":697.92505,"confidence":0.999879,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.03946584835648537},{"word":"months","start":697.92505,"end":698.16504,"confidence":0.99921775,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.04405796155333519},{"word":"we","start":698.16504,"end":698.325,"confidence":0.6722379,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05913441628217697},{"word":"go","start":698.325,"end":698.48505,"confidence":0.9996018,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.055011115968227386},{"word":"through","start":698.48505,"end":698.72504,"confidence":0.9999261,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0572759285569191},{"word":"this","start":698.72504,"end":698.965,"confidence":0.99900216,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.04799078404903412},{"word":"and","start":698.965,"end":699.205,"confidence":0.93670154,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.061721593141555786},{"word":"make","start":699.205,"end":699.445,"confidence":0.99966574,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.06867794692516327},{"word":"sure","start":699.445,"end":699.60504,"confidence":0.99972576,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.11618853360414504},{"word":"that","start":699.60504,"end":699.92505,"confidence":0.99939466,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12448526918888092},{"word":"you","start":699.92505,"end":700.085,"confidence":0.9996687,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09641235321760178},{"word":"have","start":700.085,"end":700.325,"confidence":0.98489976,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15536025166511536},{"word":"all","start":700.325,"end":700.48505,"confidence":0.9971904,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.17019197344779968},{"word":"the","start":700.48505,"end":700.645,"confidence":0.98098606,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1330651342868805},{"word":"information","start":700.645,"end":701.125,"confidence":0.9999138,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.13482291996479034},{"word":"and","start":701.125,"end":701.28503,"confidence":0.86045,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11587491631507874},{"word":"we","start":701.28503,"end":701.445,"confidence":0.9473851,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1401994526386261},{"word":"do","start":701.445,"end":701.60504,"confidence":0.99374723,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1600249409675598},{"word":"the","start":701.60504,"end":701.765,"confidence":0.9996742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14906099438667297},{"word":"right","start":701.765,"end":702.005,"confidence":0.99978775,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.15348345041275024},{"word":"thing","start":702.005,"end":702.48,"confidence":0.9957766,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.1022283136844635},{"word":"for","start":702.48,"end":702.72,"confidence":0.99982315,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1284748762845993},{"word":"you","start":702.72,"end":702.88,"confidence":0.9997155,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23503774404525757},{"word":"and","start":702.88,"end":702.95996,"confidence":0.99978524,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.25368404388427734},{"word":"your","start":702.95996,"end":703.19995,"confidence":0.99903995,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2655304968357086},{"word":"kids","start":703.19995,"end":703.69995,"confidence":0.8819976,"punctuated_word":"kids,","sentiment":"neutral","sentiment_score":0.3131193518638611},{"word":"that's","start":703.92,"end":704.24,"confidence":0.999439,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.3313281238079071},{"word":"fine","start":704.24,"end":704.74,"confidence":0.9612481,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.24484319984912872},{"word":"you","start":704.95996,"end":705.12,"confidence":0.989655,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.11513152718544006},{"word":"know","start":705.12,"end":705.36,"confidence":0.7879546,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":0.0306272953748703},{"word":"rather","start":705.36,"end":705.76,"confidence":0.6703012,"punctuated_word":"Rather","sentiment":"neutral","sentiment_score":-0.0817192867398262},{"word":"that","start":705.76,"end":705.92,"confidence":0.9779438,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1121523529291153},{"word":"way","start":705.92,"end":706.16,"confidence":0.8270811,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":-0.1228552982211113},{"word":"then","start":706.16,"end":706.39996,"confidence":0.9449446,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.059011105448007584},{"word":"you","start":706.39996,"end":706.63995,"confidence":0.99510527,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07215584069490433},{"word":"forget","start":706.63995,"end":707.04,"confidence":0.9949838,"punctuated_word":"forget","sentiment":"neutral","sentiment_score":-0.13227376341819763},{"word":"and","start":707.04,"end":707.19995,"confidence":0.8384629,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08346623182296753},{"word":"then","start":707.19995,"end":707.36,"confidence":0.9995633,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.05155833065509796},{"word":"do","start":707.36,"end":707.6,"confidence":0.99842775,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0936964899301529},{"word":"something","start":707.6,"end":707.92,"confidence":0.99981445,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.06497559696435928},{"word":"completely","start":707.92,"end":708.32,"confidence":0.9990588,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":-0.08124715089797974},{"word":"different","start":708.32,"end":708.8,"confidence":0.8115212,"punctuated_word":"different.","sentiment":"neutral","sentiment_score":-0.08538684248924255},{"word":"and","start":708.8,"end":708.95996,"confidence":0.9990878,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.07375887781381607},{"word":"then","start":708.95996,"end":709.19995,"confidence":0.99982893,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.05335542187094688},{"word":"i'm","start":709.19995,"end":709.27997,"confidence":0.995748,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.12805932760238647},{"word":"like","start":709.27997,"end":709.6,"confidence":0.9607979,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.11685799807310104},{"word":"no","start":709.6,"end":710.1,"confidence":0.9951662,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.20705004036426544},{"word":"why","start":710.48,"end":710.63995,"confidence":0.9915398,"punctuated_word":"Why","sentiment":"neutral","sentiment_score":-0.24362030625343323},{"word":"did","start":710.63995,"end":710.8,"confidence":0.891933,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.22977545857429504},{"word":"we","start":710.8,"end":710.95996,"confidence":0.99417204,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.15390461683273315},{"word":"do","start":710.95996,"end":711.12,"confidence":0.9970113,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.2505122423171997},{"word":"that","start":711.12,"end":711.62,"confidence":0.99965507,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.16509945690631866},{"word":"so","start":712.56,"end":713.06,"confidence":0.9964946,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.048998281359672546},{"word":"that","start":713.12,"end":713.27997,"confidence":0.99761826,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05194229632616043},{"word":"is","start":713.27997,"end":713.77997,"confidence":0.99851614,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.012967252172529696},{"word":"that","start":713.92,"end":714.16,"confidence":0.99359095,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03468203544616699},{"word":"is","start":714.16,"end":714.48,"confidence":0.9994785,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.01975911855697632},{"word":"yeah","start":715.12,"end":715.62,"confidence":0.9947365,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.04709268361330032},{"word":"yes","start":716.88495,"end":717.38495,"confidence":0.76947534,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.06162869930267334},{"word":"yes","start":719.045,"end":719.545,"confidence":0.9943148,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.009945176541805267},{"word":"and","start":719.845,"end":720.00494,"confidence":0.9895795,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.4776727855205536},{"word":"it","start":720.00494,"end":720.165,"confidence":0.9996662,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6401038765907288},{"word":"is","start":720.165,"end":720.32495,"confidence":0.9998117,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.698715329170227},{"word":"good","start":720.32495,"end":720.56494,"confidence":0.9998789,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.7381572127342224},{"word":"that","start":720.56494,"end":720.725,"confidence":0.9998061,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.7395125031471252},{"word":"you","start":720.725,"end":720.96497,"confidence":0.99986386,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7435474991798401},{"word":"have","start":720.96497,"end":721.20496,"confidence":0.9998785,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.7583243250846863},{"word":"the","start":721.20496,"end":721.605,"confidence":0.95102715,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7908069491386414},{"word":"the","start":721.605,"end":721.925,"confidence":0.9549042,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.745783269405365},{"word":"regular","start":721.925,"end":722.40497,"confidence":0.9919601,"punctuated_word":"regular","sentiment":"positive","sentiment_score":0.7606111168861389},{"word":"contribution","start":722.40497,"end":722.90497,"confidence":0.9995732,"punctuated_word":"contribution","sentiment":"positive","sentiment_score":0.5686985850334167},{"word":"plan","start":722.96497,"end":723.365,"confidence":0.9922279,"punctuated_word":"plan.","sentiment":"positive","sentiment_score":0.6408993005752563},{"word":"i","start":723.365,"end":723.44495,"confidence":0.9952624,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5926011800765991},{"word":"think","start":723.44495,"end":723.685,"confidence":0.99994326,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.6273297071456909},{"word":"that","start":723.685,"end":723.845,"confidence":0.99972457,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.629837691783905},{"word":"is","start":723.845,"end":724.00494,"confidence":0.9997733,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5712888240814209},{"word":"one","start":724.00494,"end":724.245,"confidence":0.9998579,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.6276801824569702},{"word":"of","start":724.245,"end":724.32495,"confidence":0.99964786,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6916297078132629},{"word":"the","start":724.32495,"end":724.485,"confidence":0.9996822,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6024619340896606},{"word":"best","start":724.485,"end":724.725,"confidence":0.9999256,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.5315864086151123},{"word":"way","start":724.725,"end":725.125,"confidence":0.6880221,"punctuated_word":"way.","sentiment":"positive","sentiment_score":0.621597170829773},{"word":"because","start":725.125,"end":725.44495,"confidence":0.98915535,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.3235499858856201},{"word":"one","start":725.44495,"end":725.685,"confidence":0.7468022,"punctuated_word":"one,","sentiment":"positive","sentiment_score":0.4694131016731262},{"word":"it","start":725.685,"end":725.845,"confidence":0.9997429,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5548479557037354},{"word":"comes","start":725.845,"end":726.08496,"confidence":0.99966383,"punctuated_word":"comes","sentiment":"positive","sentiment_score":0.524571418762207},{"word":"out","start":726.08496,"end":726.32495,"confidence":0.9887139,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.5808637738227844},{"word":"automatically","start":726.32495,"end":726.82495,"confidence":0.98206985,"punctuated_word":"automatically.","sentiment":"positive","sentiment_score":0.4291512370109558},{"word":"you","start":726.88495,"end":726.96497,"confidence":0.9995602,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.15292035043239594},{"word":"don't","start":726.96497,"end":727.20496,"confidence":0.9999429,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.12061583995819092},{"word":"have","start":727.20496,"end":727.365,"confidence":0.9998306,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07998020201921463},{"word":"to","start":727.365,"end":727.52496,"confidence":0.9983469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.005087781697511673},{"word":"think","start":727.52496,"end":727.76495,"confidence":0.99782205,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.0009247921407222748},{"word":"about","start":727.76495,"end":728.00494,"confidence":0.99701536,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04464339837431908},{"word":"it","start":728.00494,"end":728.4,"confidence":0.9973073,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.14010219275951383},{"word":"correct","start":729.44,"end":729.94,"confidence":0.7778437,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.30288413166999817},{"word":"and","start":730.0,"end":730.24005,"confidence":0.988608,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2430738061666489},{"word":"it","start":730.24005,"end":730.32,"confidence":0.99987364,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2540207803249359},{"word":"also","start":730.32,"end":730.64,"confidence":0.9995616,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2408669888973236},{"word":"takes","start":730.64,"end":730.96,"confidence":0.99861026,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":0.2572782039642334},{"word":"advantage","start":730.96,"end":731.44,"confidence":0.99790996,"punctuated_word":"advantage","sentiment":"neutral","sentiment_score":0.3236021101474762},{"word":"of","start":731.44,"end":731.68005,"confidence":0.99816716,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2480303645133972},{"word":"all","start":731.68005,"end":731.84,"confidence":0.9994961,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.19742462038993835},{"word":"the","start":731.84,"end":732.16003,"confidence":0.9973443,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1715187430381775},{"word":"ups","start":732.16003,"end":732.4,"confidence":0.99726945,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":0.10245472192764282},{"word":"and","start":732.4,"end":732.56,"confidence":0.99888414,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09846945106983183},{"word":"downs","start":732.56,"end":732.88,"confidence":0.9984118,"punctuated_word":"downs","sentiment":"neutral","sentiment_score":0.06769630312919617},{"word":"in","start":732.88,"end":733.04004,"confidence":0.9993649,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08747117221355438},{"word":"the","start":733.04004,"end":733.2,"confidence":0.99969625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12563633918762207},{"word":"market","start":733.2,"end":733.52,"confidence":0.9993394,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.1693880558013916},{"word":"because","start":733.52,"end":733.76,"confidence":0.90031755,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0762760192155838},{"word":"it's","start":733.76,"end":734.0,"confidence":0.9995996,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0647892951965332},{"word":"near","start":734.0,"end":734.24005,"confidence":0.9257361,"punctuated_word":"near","sentiment":"neutral","sentiment_score":0.04156537353992462},{"word":"impossible","start":734.24005,"end":734.74005,"confidence":0.99960834,"punctuated_word":"impossible","sentiment":"neutral","sentiment_score":-0.004093185067176819},{"word":"to","start":734.80005,"end":734.96,"confidence":0.99871635,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05655045062303543},{"word":"kinda","start":734.96,"end":735.36005,"confidence":0.8309365,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.10559216141700745},{"word":"time","start":735.36005,"end":735.84,"confidence":0.997445,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.08581475168466568},{"word":"when","start":735.84,"end":736.16003,"confidence":0.999627,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.060675423592329025},{"word":"it's","start":736.16003,"end":736.66003,"confidence":0.99758756,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07780741900205612},{"word":"the","start":736.72003,"end":736.80005,"confidence":0.99463624,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12153929471969604},{"word":"best","start":736.80005,"end":737.12,"confidence":0.9998839,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.14242979884147644},{"word":"time","start":737.12,"end":737.62,"confidence":0.9503554,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.19845254719257355},{"word":"but","start":737.68005,"end":737.92004,"confidence":0.5248342,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.24152924120426175},{"word":"doing","start":737.92004,"end":738.16003,"confidence":0.99927026,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.3109191358089447},{"word":"it","start":738.16003,"end":738.32,"confidence":0.9925201,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.34594348073005676},{"word":"regular","start":738.32,"end":738.72003,"confidence":0.6520942,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.29735738039016724},{"word":"means","start":738.72003,"end":738.88,"confidence":0.98040515,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.18995711207389832},{"word":"that","start":738.88,"end":739.12,"confidence":0.99852645,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2077044248580933},{"word":"sometimes","start":739.12,"end":739.52,"confidence":0.9834704,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":0.22078083455562592},{"word":"you're","start":739.52,"end":739.76,"confidence":0.7363322,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.18159431219100952},{"word":"buying","start":739.76,"end":740.0,"confidence":0.9989041,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.05755063891410827},{"word":"when","start":740.0,"end":740.16003,"confidence":0.4851015,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.08383095264434814},{"word":"the","start":740.16003,"end":740.24005,"confidence":0.9960969,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0720653161406517},{"word":"prices","start":740.24005,"end":740.56,"confidence":0.5598081,"punctuated_word":"prices","sentiment":"neutral","sentiment_score":-0.017058461904525757},{"word":"is","start":740.56,"end":740.72003,"confidence":0.76002634,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09370022267103197},{"word":"a","start":740.72003,"end":740.80005,"confidence":0.97313976,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0955454558134079},{"word":"little","start":740.80005,"end":740.96,"confidence":0.9998567,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.02751477062702179},{"word":"bit","start":740.96,"end":741.12,"confidence":0.9996542,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.026743322610855103},{"word":"high","start":741.12,"end":741.36005,"confidence":0.78242147,"punctuated_word":"high.","sentiment":"neutral","sentiment_score":0.12387552857398988},{"word":"sometimes","start":741.36005,"end":741.68005,"confidence":0.9994808,"punctuated_word":"Sometimes","sentiment":"positive","sentiment_score":0.35665643215179443},{"word":"you're","start":741.68005,"end":741.92004,"confidence":0.96916044,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.3246493935585022},{"word":"buying","start":741.92004,"end":742.08,"confidence":0.99973017,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.31839609146118164},{"word":"at","start":742.08,"end":742.24005,"confidence":0.9991855,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.32453709840774536},{"word":"the","start":742.24005,"end":742.32,"confidence":0.9986222,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3862055838108063},{"word":"bottom","start":742.32,"end":742.64,"confidence":0.9927347,"punctuated_word":"bottom,","sentiment":"positive","sentiment_score":0.34099262952804565},{"word":"which","start":742.64,"end":742.80005,"confidence":0.9998894,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.43000346422195435},{"word":"is","start":742.80005,"end":742.96,"confidence":0.9996203,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4996839761734009},{"word":"great","start":742.96,"end":743.415,"confidence":0.98677874,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.5408517718315125},{"word":"so","start":743.415,"end":743.57495,"confidence":0.9929716,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.33220744132995605},{"word":"it","start":743.57495,"end":743.735,"confidence":0.9145065,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.393174022436142},{"word":"kind","start":743.735,"end":743.815,"confidence":0.99404967,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.37864935398101807},{"word":"of","start":743.815,"end":744.055,"confidence":0.99901617,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.32249781489372253},{"word":"evens","start":744.055,"end":744.535,"confidence":0.97912526,"punctuated_word":"evens","sentiment":"positive","sentiment_score":0.4316509962081909},{"word":"that","start":744.535,"end":744.77496,"confidence":0.9749579,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4311908483505249},{"word":"out","start":744.77496,"end":745.01495,"confidence":0.99961424,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.39880841970443726},{"word":"by","start":745.01495,"end":745.255,"confidence":0.9969823,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.3670169115066528},{"word":"doing","start":745.255,"end":745.57495,"confidence":0.99764144,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.42423731088638306},{"word":"it","start":745.57495,"end":745.735,"confidence":0.9661483,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4191649556159973},{"word":"regular","start":745.735,"end":746.21497,"confidence":0.9812836,"punctuated_word":"regular","sentiment":"positive","sentiment_score":0.440222293138504},{"word":"for","start":746.21497,"end":746.375,"confidence":0.99922645,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3761870563030243},{"word":"you","start":746.375,"end":746.615,"confidence":0.999824,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4114841818809509},{"word":"as","start":746.615,"end":746.77496,"confidence":0.9998784,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4019137918949127},{"word":"well","start":746.77496,"end":747.27496,"confidence":0.9994962,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.27406975626945496},{"word":"yes","start":762.31,"end":762.81,"confidence":0.99088645,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1457379162311554},{"word":"yep","start":774.565,"end":775.065,"confidence":0.87108296,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19847986102104187},{"word":"i","start":781.46,"end":781.78,"confidence":0.7359902,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15199372172355652},{"word":"think","start":781.78,"end":782.28,"confidence":0.99852955,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.18121987581253052},{"word":"yeah","start":782.98004,"end":783.48004,"confidence":0.95233047,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.14612054824829102},{"word":"so","start":783.54004,"end":784.04004,"confidence":0.7743581,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07805709540843964},{"word":"in","start":784.98004,"end":785.30005,"confidence":0.897183,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03550953418016434},{"word":"order","start":785.30005,"end":785.54004,"confidence":0.99948466,"punctuated_word":"order","sentiment":"neutral","sentiment_score":-0.011391125619411469},{"word":"for","start":785.54004,"end":785.7,"confidence":0.99923325,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.023052170872688293},{"word":"me","start":785.7,"end":785.94,"confidence":0.9998503,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06056854873895645},{"word":"to","start":785.94,"end":786.44,"confidence":0.9956904,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01812349259853363},{"word":"make","start":786.58,"end":786.82,"confidence":0.9995653,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.040171802043914795},{"word":"an","start":786.82,"end":786.98004,"confidence":0.9996897,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.025855496525764465},{"word":"official","start":786.98004,"end":787.46,"confidence":0.9998807,"punctuated_word":"official","sentiment":"neutral","sentiment_score":0.0427061915397644},{"word":"recommendation","start":787.46,"end":787.94,"confidence":0.99747527,"punctuated_word":"recommendation,","sentiment":"neutral","sentiment_score":0.06957557797431946},{"word":"i","start":787.94,"end":788.10004,"confidence":0.9996655,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.029461435973644257},{"word":"have","start":788.10004,"end":788.26,"confidence":0.87580204,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.055168263614177704},{"word":"to","start":788.26,"end":788.42004,"confidence":0.99894696,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0596374049782753},{"word":"do","start":788.42004,"end":788.58,"confidence":0.9747386,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10187418013811111},{"word":"it","start":788.58,"end":788.66003,"confidence":0.9735671,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11354023963212968},{"word":"through","start":788.66003,"end":788.9,"confidence":0.99861646,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08881428092718124},{"word":"a","start":788.9,"end":788.98004,"confidence":0.9979025,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09828637540340424},{"word":"statement","start":788.98004,"end":789.38,"confidence":0.9996449,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.13680501282215118},{"word":"of","start":789.38,"end":789.54004,"confidence":0.9974865,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08212345093488693},{"word":"advice","start":789.54004,"end":789.94,"confidence":0.9940486,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.10601254552602768},{"word":"because","start":789.94,"end":790.18,"confidence":0.8656771,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0837356224656105},{"word":"it","start":790.18,"end":790.26,"confidence":0.9984951,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1409522294998169},{"word":"is","start":790.26,"end":790.5,"confidence":0.9990491,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10568180680274963},{"word":"personal","start":790.5,"end":791.0,"confidence":0.99613047,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.17740510404109955},{"word":"advice","start":791.06,"end":791.56,"confidence":0.99704707,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.16035279631614685},{"word":"from","start":792.9,"end":793.14,"confidence":0.9763297,"punctuated_word":"From","sentiment":"neutral","sentiment_score":0.10786902904510498},{"word":"a","start":793.14,"end":793.46,"confidence":0.9998419,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10778479278087616},{"word":"general","start":793.46,"end":793.96,"confidence":0.9998851,"punctuated_word":"general","sentiment":"neutral","sentiment_score":0.15479877591133118},{"word":"point","start":794.10004,"end":794.42004,"confidence":0.98958814,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.07573951780796051},{"word":"of","start":794.42004,"end":794.58,"confidence":0.9983083,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12483799457550047},{"word":"view","start":794.58,"end":795.08,"confidence":0.9989932,"punctuated_word":"view","sentiment":"neutral","sentiment_score":0.06737633794546127},{"word":"is","start":795.655,"end":796.055,"confidence":0.99918765,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12086064368486404},{"word":"if","start":796.055,"end":796.215,"confidence":0.91563255,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14320409297943115},{"word":"you","start":796.215,"end":796.375,"confidence":0.99980754,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18649449944496155},{"word":"have","start":796.375,"end":796.875,"confidence":0.99984336,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17968204617500305},{"word":"additional","start":796.935,"end":797.335,"confidence":0.9998684,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.13568317890167236},{"word":"money","start":797.335,"end":797.735,"confidence":0.9999001,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.16174231469631195},{"word":"at","start":797.735,"end":797.895,"confidence":0.99838686,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1683790683746338},{"word":"the","start":797.895,"end":797.975,"confidence":0.9997601,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17686443030834198},{"word":"moment","start":797.975,"end":798.475,"confidence":0.99991846,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.2077290415763855},{"word":"that","start":799.175,"end":799.415,"confidence":0.8381617,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21928924322128296},{"word":"you","start":799.415,"end":799.655,"confidence":0.99991465,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23661351203918457},{"word":"want","start":799.655,"end":800.155,"confidence":0.99942005,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.25565406680107117},{"word":"to","start":800.215,"end":800.715,"confidence":0.69053805,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.2183234691619873},{"word":"obviously","start":801.09503,"end":801.59503,"confidence":0.9956658,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.2102304100990295},{"word":"make","start":801.895,"end":802.135,"confidence":0.9993211,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.25384989380836487},{"word":"sure","start":802.135,"end":802.375,"confidence":0.99963915,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2745499014854431},{"word":"it","start":802.375,"end":802.53503,"confidence":0.8551026,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3939708471298218},{"word":"does","start":802.53503,"end":802.775,"confidence":0.9996587,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.3412378430366516},{"word":"a","start":802.775,"end":802.855,"confidence":0.9988788,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.330200731754303},{"word":"bit","start":802.855,"end":803.175,"confidence":0.9995339,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.21678438782691956},{"word":"more","start":803.175,"end":803.495,"confidence":0.9998418,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.3074352443218231},{"word":"for","start":803.495,"end":803.655,"confidence":0.99908507,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.314541757106781},{"word":"your","start":803.655,"end":803.975,"confidence":0.9994204,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.30003559589385986},{"word":"children","start":803.975,"end":804.475,"confidence":0.7707579,"punctuated_word":"children,","sentiment":"neutral","sentiment_score":0.29898136854171753},{"word":"with","start":805.09503,"end":805.495,"confidence":0.99496526,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.22766417264938352},{"word":"everything","start":805.495,"end":805.995,"confidence":0.99982196,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.26804250478744507},{"word":"going","start":806.135,"end":806.455,"confidence":0.9998579,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.19392916560173035},{"word":"on","start":806.455,"end":806.695,"confidence":0.9995585,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.19404971599578855},{"word":"in","start":806.695,"end":806.775,"confidence":0.9996024,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1430061012506485},{"word":"the","start":806.775,"end":807.015,"confidence":0.9997342,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2015456110239029},{"word":"market","start":807.015,"end":807.495,"confidence":0.9998827,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.2327604740858078},{"word":"at","start":807.495,"end":807.815,"confidence":0.9987056,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1363019049167633},{"word":"the","start":807.815,"end":807.975,"confidence":0.99941146,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20069848001003265},{"word":"moment","start":807.975,"end":808.475,"confidence":0.99456704,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.2139039486646652},{"word":"it's","start":810.06,"end":810.3,"confidence":0.9938351,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2420896738767624},{"word":"not","start":810.3,"end":810.7,"confidence":0.9999447,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.19517093896865845},{"word":"necessarily","start":810.7,"end":811.2,"confidence":0.999516,"punctuated_word":"necessarily","sentiment":"neutral","sentiment_score":0.07513551414012909},{"word":"a","start":811.26,"end":811.42,"confidence":0.9996599,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11727745831012726},{"word":"bad","start":811.42,"end":811.74,"confidence":0.9999306,"punctuated_word":"bad","sentiment":"neutral","sentiment_score":-0.015455707907676697},{"word":"time","start":811.74,"end":812.14,"confidence":0.99982446,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.20145928859710693},{"word":"as","start":812.14,"end":812.38,"confidence":0.9875234,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.30018121004104614},{"word":"long","start":812.38,"end":812.54,"confidence":0.99991095,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.3424006998538971},{"word":"as","start":812.54,"end":812.7,"confidence":0.9997229,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.33153319358825684},{"word":"the","start":812.7,"end":812.94,"confidence":0.7726271,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.30997180938720703},{"word":"investments","start":812.94,"end":813.44,"confidence":0.990355,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.09602510929107666},{"word":"are","start":813.5,"end":813.66003,"confidence":0.9996062,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.17041952908039093},{"word":"correct","start":813.66003,"end":814.06,"confidence":0.9998274,"punctuated_word":"correct","sentiment":"neutral","sentiment_score":0.18920153379440308},{"word":"because","start":814.06,"end":814.56,"confidence":0.62972605,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.05879991501569748},{"word":"prices","start":814.62,"end":815.02,"confidence":0.98326033,"punctuated_word":"prices","sentiment":"neutral","sentiment_score":-0.0834919810295105},{"word":"and","start":815.02,"end":815.18,"confidence":0.9799051,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06606980413198471},{"word":"things","start":815.18,"end":815.58,"confidence":0.99757284,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.09633183479309082},{"word":"in","start":815.58,"end":815.82,"confidence":0.9219555,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04651695489883423},{"word":"some","start":815.82,"end":815.98,"confidence":0.9996625,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.05916903913021088},{"word":"areas","start":815.98,"end":816.38,"confidence":0.99946266,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":-0.03273734450340271},{"word":"are","start":816.38,"end":816.7,"confidence":0.9992737,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.13943643867969513},{"word":"down","start":816.7,"end":817.2,"confidence":0.96847767,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.025697579607367516},{"word":"so","start":817.58,"end":817.82,"confidence":0.826812,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4543246626853943},{"word":"it's","start":817.82,"end":817.98,"confidence":0.9997407,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.550361692905426},{"word":"not","start":817.98,"end":818.14,"confidence":0.99971944,"punctuated_word":"not","sentiment":"positive","sentiment_score":0.5913789868354797},{"word":"a","start":818.14,"end":818.3,"confidence":0.99744934,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5133233070373535},{"word":"bad","start":818.3,"end":818.46,"confidence":0.99995744,"punctuated_word":"bad","sentiment":"positive","sentiment_score":0.4019753932952881},{"word":"thing","start":818.46,"end":818.78,"confidence":0.91902936,"punctuated_word":"thing,","sentiment":"positive","sentiment_score":0.668977677822113},{"word":"especially","start":818.78,"end":819.28,"confidence":0.98852044,"punctuated_word":"especially","sentiment":"positive","sentiment_score":0.6173242926597595},{"word":"if","start":819.34,"end":819.5,"confidence":0.97606635,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.6090565919876099},{"word":"it's","start":819.5,"end":819.66003,"confidence":0.9998199,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.5857312083244324},{"word":"a","start":819.66003,"end":819.82,"confidence":0.99952936,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5860316753387451},{"word":"long","start":819.82,"end":819.98,"confidence":0.99983954,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.4575011730194092},{"word":"term","start":819.98,"end":820.3,"confidence":0.9969607,"punctuated_word":"term","sentiment":"positive","sentiment_score":0.44701531529426575},{"word":"investment","start":820.3,"end":820.8,"confidence":0.9996294,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.4026632606983185},{"word":"because","start":820.86,"end":821.36,"confidence":0.7193144,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.3135206401348114},{"word":"historically","start":821.74,"end":822.24,"confidence":0.57549465,"punctuated_word":"historically","sentiment":"positive","sentiment_score":0.4798368513584137},{"word":"speaking","start":822.46,"end":822.86,"confidence":0.99882907,"punctuated_word":"speaking","sentiment":"positive","sentiment_score":0.4157368838787079},{"word":"as","start":822.86,"end":823.10004,"confidence":0.9809749,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5359179973602295},{"word":"well","start":823.10004,"end":823.60004,"confidence":0.9815897,"punctuated_word":"well,","sentiment":"positive","sentiment_score":0.48312491178512573},{"word":"the","start":824.22003,"end":824.38,"confidence":0.9787258,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5695157051086426},{"word":"market","start":824.38,"end":824.78,"confidence":0.80540586,"punctuated_word":"market","sentiment":"positive","sentiment_score":0.5165883302688599},{"word":"always","start":824.78,"end":825.10004,"confidence":0.73618674,"punctuated_word":"always","sentiment":"positive","sentiment_score":0.4808056950569153},{"word":"go","start":825.10004,"end":825.60004,"confidence":0.8065469,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.4357839524745941},{"word":"goes","start":825.695,"end":825.935,"confidence":0.8893973,"punctuated_word":"goes","sentiment":"positive","sentiment_score":0.4968857765197754},{"word":"up","start":825.935,"end":826.255,"confidence":0.99936336,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.5049787163734436},{"word":"as","start":826.255,"end":826.495,"confidence":0.8651156,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.38983193039894104},{"word":"long","start":826.495,"end":826.65497,"confidence":0.9998721,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.4032564461231232},{"word":"as","start":826.65497,"end":826.815,"confidence":0.99945956,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5098302364349365},{"word":"there's","start":826.815,"end":826.975,"confidence":0.9991465,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.41249674558639526},{"word":"no","start":826.975,"end":827.21497,"confidence":0.99856704,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.3232094645500183},{"word":"fundamental","start":827.21497,"end":827.71497,"confidence":0.99990106,"punctuated_word":"fundamental","sentiment":"neutral","sentiment_score":0.12914416193962097},{"word":"issues","start":827.77496,"end":828.175,"confidence":0.98678756,"punctuated_word":"issues","sentiment":"neutral","sentiment_score":0.12129843235015868},{"word":"with","start":828.175,"end":828.415,"confidence":0.99986506,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2649310231208801},{"word":"the","start":828.415,"end":828.575,"confidence":0.9991918,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.45157426595687866},{"word":"investment","start":828.575,"end":829.075,"confidence":0.9594655,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.2327374964952469},{"word":"itself","start":829.295,"end":829.795,"confidence":0.99811196,"punctuated_word":"itself.","sentiment":"positive","sentiment_score":0.3651862144470215},{"word":"so","start":830.735,"end":831.135,"confidence":0.5415502,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5254654288291931},{"word":"it's","start":831.135,"end":831.455,"confidence":0.9952345,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.6698826551437378},{"word":"not","start":831.455,"end":831.695,"confidence":0.99866486,"punctuated_word":"not","sentiment":"positive","sentiment_score":0.5981703400611877},{"word":"a","start":831.695,"end":831.77496,"confidence":0.9607983,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6865366697311401},{"word":"bad","start":831.77496,"end":832.015,"confidence":0.99482936,"punctuated_word":"bad","sentiment":"positive","sentiment_score":0.443183958530426},{"word":"thing","start":832.015,"end":832.255,"confidence":0.91222346,"punctuated_word":"thing,","sentiment":"positive","sentiment_score":0.7313162684440613},{"word":"especially","start":832.255,"end":832.65497,"confidence":0.9991326,"punctuated_word":"especially","sentiment":"positive","sentiment_score":0.6906001567840576},{"word":"if","start":832.65497,"end":832.815,"confidence":0.9902416,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.7052333354949951},{"word":"it's","start":832.815,"end":832.975,"confidence":0.9998754,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.6750739812850952},{"word":"a","start":832.975,"end":833.135,"confidence":0.99873656,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6335192322731018},{"word":"long","start":833.135,"end":833.375,"confidence":0.9998387,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.4265768527984619},{"word":"term","start":833.375,"end":833.695,"confidence":0.99718046,"punctuated_word":"term","sentiment":"positive","sentiment_score":0.5155666470527649},{"word":"investment","start":833.695,"end":834.195,"confidence":0.9939426,"punctuated_word":"investment.","sentiment":"positive","sentiment_score":0.447371244430542},{"word":"the","start":834.65497,"end":834.815,"confidence":0.9985318,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.2123363167047501},{"word":"other","start":834.815,"end":835.315,"confidence":0.98696333,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.0738186165690422},{"word":"kind","start":835.375,"end":835.615,"confidence":0.984423,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.06074102967977524},{"word":"of","start":835.615,"end":835.935,"confidence":0.9992618,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0874844342470169},{"word":"side","start":835.935,"end":836.255,"confidence":0.9991665,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.09524703025817872},{"word":"of","start":836.255,"end":836.33496,"confidence":0.9990402,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06979359686374664},{"word":"it","start":836.33496,"end":836.495,"confidence":0.9645961,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0439489409327507},{"word":"would","start":836.495,"end":836.735,"confidence":0.9994822,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.05254862457513809},{"word":"be","start":836.735,"end":836.895,"confidence":0.99985445,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10595068335533142},{"word":"like","start":836.895,"end":837.135,"confidence":0.93896365,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10216061770915984},{"word":"okay","start":837.135,"end":837.455,"confidence":0.96706307,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.12606817483901978},{"word":"well","start":837.455,"end":837.87,"confidence":0.9984251,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.03868131712079048},{"word":"what","start":837.95,"end":838.19,"confidence":0.9997477,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.04306444525718689},{"word":"are","start":838.19,"end":838.27,"confidence":0.99983823,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08389242738485336},{"word":"your","start":838.27,"end":838.35,"confidence":0.99954396,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0935572385787964},{"word":"other","start":838.35,"end":838.67,"confidence":0.9997533,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.0617799386382103},{"word":"goals","start":838.67,"end":839.07,"confidence":0.9912626,"punctuated_word":"goals?","sentiment":"neutral","sentiment_score":0.0924040898680687},{"word":"what","start":839.07,"end":839.23,"confidence":0.99964213,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.12771785259246826},{"word":"else","start":839.23,"end":839.47,"confidence":0.999716,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.14722014963626862},{"word":"are","start":839.47,"end":839.55,"confidence":0.9885887,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0550059974193573},{"word":"you","start":839.55,"end":839.71,"confidence":0.99924433,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11625372618436812},{"word":"trying","start":839.71,"end":840.02997,"confidence":0.99812716,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.140444815158844},{"word":"to","start":840.02997,"end":840.19,"confidence":0.9986895,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2048856019973755},{"word":"achieve","start":840.19,"end":840.58997,"confidence":0.9682068,"punctuated_word":"achieve?","sentiment":"neutral","sentiment_score":0.13291262090206146},{"word":"and","start":840.58997,"end":840.83,"confidence":0.9989048,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.009641062468290327},{"word":"if","start":840.83,"end":841.15,"confidence":0.913793,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.010753538459539412},{"word":"by","start":841.15,"end":841.47,"confidence":0.93630874,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.04620079696178436},{"word":"putting","start":841.47,"end":841.87,"confidence":0.99636215,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.033668145537376404},{"word":"a","start":841.87,"end":842.02997,"confidence":0.9669302,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.043099600821733475},{"word":"lump","start":842.02997,"end":842.27,"confidence":0.9999043,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.07550765573978424},{"word":"sum","start":842.27,"end":842.58997,"confidence":0.99692994,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.13276705145835876},{"word":"into","start":842.58997,"end":842.91,"confidence":0.99891853,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.09120821207761765},{"word":"this","start":842.91,"end":843.23,"confidence":0.9955838,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":0.014234617352485657},{"word":"does","start":843.23,"end":843.47,"confidence":0.9981133,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.09408645331859589},{"word":"that","start":843.47,"end":843.63,"confidence":0.9989121,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07943948358297348},{"word":"impact","start":843.63,"end":844.11,"confidence":0.9990464,"punctuated_word":"impact","sentiment":"neutral","sentiment_score":0.008196905255317688},{"word":"other","start":844.11,"end":844.35,"confidence":0.9975752,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.020228803157806396},{"word":"things","start":844.35,"end":844.85,"confidence":0.9614066,"punctuated_word":"things?","sentiment":"neutral","sentiment_score":0.004653081297874451},{"word":"but","start":845.15,"end":845.31,"confidence":0.9968483,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.06804870814085007},{"word":"in","start":845.31,"end":845.55,"confidence":0.9993772,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.008624762296676636},{"word":"terms","start":845.55,"end":845.79,"confidence":0.9999554,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.049842216074466705},{"word":"of","start":845.79,"end":845.99,"confidence":0.9993511,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09334345161914824},{"word":"from","start":846.19,"end":846.43,"confidence":0.6157654,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.11808162927627563},{"word":"simplicity","start":846.43,"end":846.93,"confidence":0.6884378,"punctuated_word":"simplicity,","sentiment":"neutral","sentiment_score":0.10509072244167328},{"word":"should","start":848.51,"end":848.67,"confidence":0.9671522,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.06193898618221283},{"word":"you","start":848.67,"end":848.91,"confidence":0.99980205,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1396346092224121},{"word":"put","start":848.91,"end":849.23,"confidence":0.99970895,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.14777624607086182},{"word":"more","start":849.23,"end":849.39,"confidence":0.99950385,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.07525311410427094},{"word":"money","start":849.39,"end":849.79,"confidence":0.9999161,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.15518657863140106},{"word":"in","start":849.79,"end":850.02997,"confidence":0.89641917,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15978595614433289},{"word":"if","start":850.02997,"end":850.27,"confidence":0.53005344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12581318616867063},{"word":"you","start":850.27,"end":850.43,"confidence":0.9963408,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09009141474962234},{"word":"have","start":850.43,"end":850.58997,"confidence":0.9997608,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04993285238742829},{"word":"the","start":850.58997,"end":850.75,"confidence":0.9831527,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07614555954933167},{"word":"capacity","start":850.75,"end":851.25,"confidence":0.9998996,"punctuated_word":"capacity","sentiment":"neutral","sentiment_score":0.07355980575084686},{"word":"to","start":851.355,"end":851.51495,"confidence":0.9998889,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15705953538417816},{"word":"do","start":851.51495,"end":851.755,"confidence":0.9998323,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13112130761146543},{"word":"so","start":851.755,"end":851.83496,"confidence":0.99795365,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.13149818778038025},{"word":"and","start":851.83496,"end":852.07495,"confidence":0.7489906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11608464270830154},{"word":"it","start":852.07495,"end":852.235,"confidence":0.99909544,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11388082057237624},{"word":"doesn't","start":852.235,"end":852.635,"confidence":0.999717,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.04335513710975647},{"word":"impact","start":852.635,"end":853.135,"confidence":0.33976436,"punctuated_word":"impact","sentiment":"neutral","sentiment_score":-0.029075250029563904},{"word":"other","start":853.915,"end":854.39496,"confidence":0.46165797,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.032993972301483154},{"word":"goals","start":854.39496,"end":854.795,"confidence":0.9980987,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.04947839677333832},{"word":"for","start":854.795,"end":855.035,"confidence":0.99965,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.21006223559379575},{"word":"you","start":855.035,"end":855.535,"confidence":0.98689675,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.13883134722709656},{"word":"it","start":856.235,"end":856.39496,"confidence":0.8546734,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5469677448272705},{"word":"is","start":856.39496,"end":856.635,"confidence":0.9998845,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5803219079971313},{"word":"a","start":856.635,"end":856.71497,"confidence":0.9990252,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6396801471710205},{"word":"very","start":856.71497,"end":857.035,"confidence":0.9999373,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.6870594024658203},{"word":"tax","start":857.035,"end":857.355,"confidence":0.9965779,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.7789998054504395},{"word":"effective","start":857.355,"end":857.755,"confidence":0.982021,"punctuated_word":"effective","sentiment":"positive","sentiment_score":0.6130397319793701},{"word":"way","start":857.755,"end":857.995,"confidence":0.9914102,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.5522249937057495},{"word":"to","start":857.995,"end":858.07495,"confidence":0.9790932,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6242302060127258},{"word":"do","start":858.07495,"end":858.235,"confidence":0.9659737,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.6331849694252014},{"word":"it","start":858.235,"end":858.39496,"confidence":0.8929863,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.5899955034255981},{"word":"does","start":858.39496,"end":858.635,"confidence":0.9967974,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.2220093011856079},{"word":"that","start":858.635,"end":858.795,"confidence":0.9994874,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23786413669586184},{"word":"make","start":858.795,"end":859.035,"confidence":0.98736274,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.23829132318496704},{"word":"sense","start":859.035,"end":859.535,"confidence":0.998072,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.1305898874998093},{"word":"yes","start":867.60004,"end":868.10004,"confidence":0.6966889,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.3010977804660797},{"word":"exactly","start":869.84,"end":870.34,"confidence":0.67922914,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.16150158643722534},{"word":"so","start":870.48,"end":870.72003,"confidence":0.93297195,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.04283581301569939},{"word":"obviously","start":870.72003,"end":871.12,"confidence":0.99968165,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.03559795394539833},{"word":"things","start":871.12,"end":871.44,"confidence":0.9965193,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.03499253839254379},{"word":"are","start":871.44,"end":871.60004,"confidence":0.99583167,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.010841090232133864},{"word":"which","start":871.68,"end":871.92,"confidence":0.9998492,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.005621638149023056},{"word":"is","start":871.92,"end":872.08,"confidence":0.99972636,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0164421908557415},{"word":"actually","start":872.08,"end":872.48,"confidence":0.9951593,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.01799234375357628},{"word":"the","start":872.48,"end":872.64,"confidence":0.9991122,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010714970529079436},{"word":"documents","start":872.64,"end":873.14,"confidence":0.8321236,"punctuated_word":"documents.","sentiment":"neutral","sentiment_score":0.003452828153967858},{"word":"so","start":873.28,"end":873.78,"confidence":0.9784194,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0016976110637187958},{"word":"do","start":874.4,"end":874.56,"confidence":0.83990884,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.005274878814816475},{"word":"you","start":874.56,"end":874.64,"confidence":0.9998215,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0011769048869609833},{"word":"have","start":874.64,"end":874.88,"confidence":0.9999354,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0029588453471660614},{"word":"access","start":874.88,"end":875.28,"confidence":0.99973255,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.004878543317317963},{"word":"to","start":875.28,"end":875.44,"confidence":0.99573153,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.005418594926595688},{"word":"your","start":875.44,"end":875.68,"confidence":0.99967206,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.001147434115409851},{"word":"emails","start":875.68,"end":876.08,"confidence":0.96368545,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":0.007109098136425018},{"word":"at","start":876.08,"end":876.32,"confidence":0.9974402,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.010507453233003616},{"word":"the","start":876.32,"end":876.48,"confidence":0.9943532,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.002305269241333008},{"word":"moment","start":876.48,"end":876.98,"confidence":0.99716544,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.005997239612042904},{"word":"yep","start":879.895,"end":880.395,"confidence":0.7790073,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1446661353111267},{"word":"perfect","start":880.455,"end":880.955,"confidence":0.9973893,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.3143230080604553},{"word":"so","start":883.09503,"end":883.495,"confidence":0.6575409,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04523837938904762},{"word":"we","start":883.495,"end":883.735,"confidence":0.9888826,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0486854612827301},{"word":"have","start":883.735,"end":884.235,"confidence":0.9998412,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0670115053653717},{"word":"just","start":884.375,"end":884.775,"confidence":0.99679726,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.021129347383975983},{"word":"changed","start":884.775,"end":885.175,"confidence":0.99819714,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.04314512759447098},{"word":"the","start":885.175,"end":885.41504,"confidence":0.9971161,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03161761909723282},{"word":"software","start":885.41504,"end":885.735,"confidence":0.9080269,"punctuated_word":"software,","sentiment":"neutral","sentiment_score":0.021136026829481125},{"word":"so","start":885.735,"end":885.895,"confidence":0.99888164,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.02508263662457466},{"word":"it","start":885.895,"end":886.055,"confidence":0.9972893,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.040665436536073685},{"word":"might","start":886.055,"end":886.215,"confidence":0.9999455,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.02494911476969719},{"word":"look","start":886.215,"end":886.375,"confidence":0.9998104,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.022614985704421997},{"word":"a","start":886.375,"end":886.455,"confidence":0.99971753,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.004601391032338142},{"word":"little","start":886.455,"end":886.695,"confidence":0.999881,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.02222830057144165},{"word":"bit","start":886.695,"end":886.85504,"confidence":0.99899834,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.01941680535674095},{"word":"different","start":886.85504,"end":887.09503,"confidence":0.9998858,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.014714494347572328},{"word":"to","start":887.09503,"end":887.255,"confidence":0.99922013,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.011559098958969116},{"word":"what","start":887.255,"end":887.41504,"confidence":0.9998903,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.00432249903678894},{"word":"you","start":887.41504,"end":887.575,"confidence":0.99967957,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0217704176902771},{"word":"are","start":887.575,"end":887.735,"confidence":0.84908575,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.002499692142009735},{"word":"used","start":887.735,"end":887.97504,"confidence":0.9971717,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.003845714032649994},{"word":"to","start":887.97504,"end":888.47504,"confidence":0.9972377,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.030684275552630424},{"word":"when","start":889.83,"end":890.07,"confidence":0.9800322,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.04532483592629433},{"word":"you","start":890.07,"end":890.15,"confidence":0.99992645,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05317980423569679},{"word":"click","start":890.15,"end":890.39,"confidence":0.99978644,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.04379754513502121},{"word":"on","start":890.39,"end":890.55005,"confidence":0.9997553,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.053531382232904434},{"word":"the","start":890.55005,"end":890.63,"confidence":0.99929166,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03977284952998161},{"word":"email","start":890.63,"end":890.87006,"confidence":0.95281684,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.03646669536828995},{"word":"so","start":890.95,"end":891.19,"confidence":0.96188825,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.022506557404994965},{"word":"before","start":891.19,"end":891.59,"confidence":0.998793,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.01560288853943348},{"word":"you","start":891.59,"end":891.75,"confidence":0.9996718,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02069104835391045},{"word":"click","start":891.75,"end":891.99005,"confidence":0.9998616,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.020731795579195023},{"word":"on","start":891.99005,"end":892.23004,"confidence":0.99972767,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.052477963268756866},{"word":"the","start":892.23004,"end":892.39,"confidence":0.9992483,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04583030194044113},{"word":"link","start":892.39,"end":892.71,"confidence":0.9994797,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.025904271751642227},{"word":"so","start":892.79004,"end":893.03,"confidence":0.9988049,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0342104509472847},{"word":"when","start":893.03,"end":893.27,"confidence":0.9998511,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.03626127168536186},{"word":"you","start":893.27,"end":893.35004,"confidence":0.99972814,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.037904612720012665},{"word":"click","start":893.35004,"end":893.59,"confidence":0.9998778,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.038207896053791046},{"word":"on","start":893.59,"end":893.75,"confidence":0.9996629,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06244024634361267},{"word":"the","start":893.75,"end":893.91003,"confidence":0.999062,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.053232546895742416},{"word":"link","start":893.91003,"end":894.23004,"confidence":0.9982759,"punctuated_word":"link,","sentiment":"neutral","sentiment_score":0.049865446984767914},{"word":"it","start":894.23004,"end":894.47003,"confidence":0.9995938,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07072080671787262},{"word":"will","start":894.47003,"end":894.63,"confidence":0.9999503,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.06334500014781952},{"word":"get","start":894.63,"end":894.79004,"confidence":0.99978703,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.060638103634119034},{"word":"you","start":894.79004,"end":895.03,"confidence":0.9992594,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06856520473957062},{"word":"to","start":895.03,"end":895.27,"confidence":0.9578652,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.058743916451931},{"word":"sign","start":895.27,"end":895.59,"confidence":0.9939027,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.039912477135658264},{"word":"the","start":895.59,"end":895.75,"confidence":0.99862957,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04908628761768341},{"word":"document","start":895.75,"end":896.25,"confidence":0.79356563,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.04382394254207611},{"word":"before","start":896.79004,"end":897.19,"confidence":0.9985287,"punctuated_word":"Before","sentiment":"neutral","sentiment_score":0.019971955567598343},{"word":"you","start":897.19,"end":897.35004,"confidence":0.9998691,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016890060156583786},{"word":"do","start":897.35004,"end":897.59,"confidence":0.99949527,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.025317538529634476},{"word":"that","start":897.59,"end":897.83,"confidence":0.999024,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.009281672537326813},{"word":"you","start":897.83,"end":898.07,"confidence":0.9998091,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016663938760757446},{"word":"will","start":898.07,"end":898.23004,"confidence":0.9999049,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.015064030885696411},{"word":"see","start":898.23004,"end":898.39,"confidence":0.99960667,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.027277834713459015},{"word":"that","start":898.39,"end":898.55005,"confidence":0.9890456,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.007705278694629669},{"word":"there","start":898.55005,"end":898.71,"confidence":0.9906923,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.008497858420014381},{"word":"are","start":898.71,"end":898.79004,"confidence":0.9834278,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.008276056498289108},{"word":"a","start":898.79004,"end":898.87006,"confidence":0.8906079,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.010454230010509493},{"word":"couple","start":898.87006,"end":899.19,"confidence":0.9997495,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.015748172998428345},{"word":"of","start":899.19,"end":899.35004,"confidence":0.9988889,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01780330389738083},{"word":"attachments","start":899.35004,"end":899.85004,"confidence":0.9069799,"punctuated_word":"attachments.","sentiment":"neutral","sentiment_score":-0.02090548723936081},{"word":"can","start":901.51,"end":901.67004,"confidence":0.9976808,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.0026988275349140167},{"word":"you","start":901.67004,"end":901.83,"confidence":0.9995691,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0060930997133255005},{"word":"see","start":901.83,"end":902.07,"confidence":0.9995221,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.006844673305749893},{"word":"those","start":902.07,"end":902.57,"confidence":0.9813787,"punctuated_word":"those?","sentiment":"neutral","sentiment_score":0.004794497042894363},{"word":"like","start":902.71,"end":902.87006,"confidence":0.8978545,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.006258714012801647},{"word":"can","start":902.87006,"end":903.03,"confidence":0.9947456,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0006280103698372841},{"word":"you","start":903.03,"end":903.11005,"confidence":0.9983736,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02978426218032837},{"word":"see","start":903.11005,"end":903.61005,"confidence":0.97552025,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0397273451089859},{"word":"yep","start":909.83496,"end":910.33496,"confidence":0.9173654,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.03453326225280762},{"word":"yeah","start":913.595,"end":914.07495,"confidence":0.81811625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.148528054356575},{"word":"so","start":914.07495,"end":914.235,"confidence":0.97226703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.18165341019630432},{"word":"if","start":914.235,"end":914.315,"confidence":0.9975719,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2204670011997223},{"word":"you","start":914.315,"end":914.475,"confidence":0.99990535,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1910227537155151},{"word":"just","start":914.475,"end":914.71497,"confidence":0.99909544,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15271161496639252},{"word":"get","start":914.71497,"end":914.875,"confidence":0.99944025,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.10363077372312546},{"word":"out","start":914.875,"end":915.115,"confidence":0.9998692,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.18012642860412598},{"word":"of","start":915.115,"end":915.27496,"confidence":0.9997775,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1173633709549904},{"word":"that","start":915.27496,"end":915.51495,"confidence":0.99961686,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07892660796642303},{"word":"first","start":915.51495,"end":915.755,"confidence":0.8090467,"punctuated_word":"first,","sentiment":"neutral","sentiment_score":0.1314557045698166},{"word":"just","start":915.755,"end":915.995,"confidence":0.992822,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17337989807128906},{"word":"so","start":915.995,"end":916.07495,"confidence":0.95983493,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.15446187555789948},{"word":"i","start":916.07495,"end":916.15497,"confidence":0.99843055,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.260983943939209},{"word":"can","start":916.15497,"end":916.315,"confidence":0.99949193,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.23100797832012177},{"word":"run","start":916.315,"end":916.475,"confidence":0.99911755,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.1396646648645401},{"word":"through","start":916.475,"end":916.71497,"confidence":0.99970275,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1280318796634674},{"word":"the","start":916.71497,"end":916.795,"confidence":0.99764204,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17167238891124725},{"word":"other","start":916.795,"end":917.035,"confidence":0.9993687,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.1854649782180786},{"word":"documents","start":917.035,"end":917.51495,"confidence":0.99931717,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.1263664811849594},{"word":"before","start":917.51495,"end":917.83496,"confidence":0.99538356,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.13965782523155212},{"word":"i","start":917.83496,"end":917.915,"confidence":0.99908006,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1877819448709488},{"word":"get","start":917.915,"end":918.07495,"confidence":0.99849546,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.09894415736198424},{"word":"you","start":918.07495,"end":918.235,"confidence":0.9993166,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1882728934288025},{"word":"to","start":918.235,"end":918.315,"confidence":0.99492395,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13513393700122833},{"word":"sign","start":918.315,"end":918.555,"confidence":0.9993629,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.07020555436611176},{"word":"anything","start":918.555,"end":918.875,"confidence":0.999134,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.2854963541030884},{"word":"just","start":918.875,"end":919.035,"confidence":0.77508146,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16823579370975494},{"word":"to","start":919.035,"end":919.195,"confidence":0.9996257,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12049275636672974},{"word":"make","start":919.195,"end":919.355,"confidence":0.9977943,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.11979950964450836},{"word":"sure","start":919.355,"end":919.51495,"confidence":0.99887294,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.15612734854221344},{"word":"you're","start":919.51495,"end":919.89,"confidence":0.9996665,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.20292632281780243},{"word":"happy","start":920.37,"end":920.61,"confidence":0.8707713,"punctuated_word":"happy.","sentiment":"neutral","sentiment_score":-0.027495676651597023},{"word":"if","start":920.61,"end":920.77,"confidence":0.99756217,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.03409732133150101},{"word":"you","start":920.77,"end":920.85004,"confidence":0.9999268,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017936645075678825},{"word":"can","start":920.85004,"end":921.09,"confidence":0.99984205,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.01871916465461254},{"word":"just","start":921.09,"end":921.33,"confidence":0.72124434,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.016934512183070183},{"word":"just","start":921.33,"end":921.65,"confidence":0.5026301,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.015511713922023771},{"word":"before","start":921.65,"end":922.13,"confidence":0.9753925,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.015041970647871494},{"word":"clicking","start":922.13,"end":922.53,"confidence":0.9995734,"punctuated_word":"clicking","sentiment":"neutral","sentiment_score":0.028566092252731323},{"word":"on","start":922.53,"end":922.61,"confidence":0.99984944,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.030252162367105484},{"word":"the","start":922.61,"end":922.77,"confidence":0.9996861,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.026598898693919185},{"word":"link","start":922.77,"end":923.17004,"confidence":0.993963,"punctuated_word":"link,","sentiment":"neutral","sentiment_score":0.018607398495078087},{"word":"if","start":923.17004,"end":923.33,"confidence":0.9987686,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.01294763758778572},{"word":"you","start":923.33,"end":923.57,"confidence":0.9997868,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00900309532880783},{"word":"scroll","start":923.57,"end":923.81,"confidence":0.99949956,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.010171931236982346},{"word":"down","start":923.81,"end":924.13,"confidence":0.99983025,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.02390199899673462},{"word":"at","start":924.13,"end":924.21,"confidence":0.99671954,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.01879750564694405},{"word":"the","start":924.21,"end":924.37,"confidence":0.99886453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0239802785217762},{"word":"bottom","start":924.37,"end":924.69,"confidence":0.99980086,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.029469339177012444},{"word":"of","start":924.69,"end":924.85004,"confidence":0.99982613,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.032055534422397614},{"word":"the","start":924.85004,"end":925.09,"confidence":0.99941564,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03393969684839249},{"word":"email","start":925.09,"end":925.59,"confidence":0.9952417,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.02284578792750835},{"word":"can","start":925.97003,"end":926.29004,"confidence":0.99923205,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.013284405693411829},{"word":"you","start":926.29004,"end":926.45,"confidence":0.999742,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.019706230610609055},{"word":"see","start":926.45,"end":926.77,"confidence":0.9995604,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.024021748453378677},{"word":"where","start":926.77,"end":927.01,"confidence":0.9993061,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.014888637699186802},{"word":"it","start":927.01,"end":927.09,"confidence":0.9986337,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.020461654290556908},{"word":"says","start":927.09,"end":927.41003,"confidence":0.95629305,"punctuated_word":"says,","sentiment":"neutral","sentiment_score":0.018459344282746315},{"word":"like","start":927.41003,"end":927.81,"confidence":0.99809664,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.019421786069869995},{"word":"vanguard","start":927.81,"end":928.31,"confidence":0.9544316,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.026767337694764137},{"word":"index","start":928.53,"end":929.03,"confidence":0.96644264,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.027438675984740257},{"word":"chart","start":929.09,"end":929.59,"confidence":0.9490364,"punctuated_word":"chart","sentiment":"neutral","sentiment_score":0.0386306457221508},{"word":"and","start":929.65,"end":929.97003,"confidence":0.9608007,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.012365618720650671},{"word":"hub","start":929.97003,"end":930.29004,"confidence":0.41894862,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.020977700129151344},{"word":"20","start":930.29004,"end":930.69,"confidence":0.98646563,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.01193199586123228},{"word":"four","start":930.69,"end":931.19,"confidence":0.9810915,"punctuated_word":"four?","sentiment":"neutral","sentiment_score":0.013800706714391708},{"word":"yes","start":931.97003,"end":932.47003,"confidence":0.8950956,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08499593287706375},{"word":"so","start":932.875,"end":933.11505,"confidence":0.50233483,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07380981743335724},{"word":"for","start":933.11505,"end":933.195,"confidence":0.60574365,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07650277018547058},{"word":"example","start":933.195,"end":933.59503,"confidence":0.996119,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":0.09144765883684158},{"word":"if","start":933.59503,"end":933.755,"confidence":0.9986582,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11622819304466248},{"word":"you","start":933.755,"end":933.835,"confidence":0.99987864,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07919003814458847},{"word":"wanna","start":933.835,"end":934.075,"confidence":0.9613019,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.07500022649765015},{"word":"click","start":934.075,"end":934.23505,"confidence":0.9991341,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.06882022321224213},{"word":"on","start":934.23505,"end":934.395,"confidence":0.9996735,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09405913203954697},{"word":"the","start":934.395,"end":934.55505,"confidence":0.99228364,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08953829109668732},{"word":"vanguard","start":934.55505,"end":935.05505,"confidence":0.9128974,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.04591885954141617},{"word":"index","start":935.11505,"end":935.515,"confidence":0.8462202,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.06172477826476097},{"word":"chart","start":935.515,"end":935.835,"confidence":0.9812088,"punctuated_word":"chart","sentiment":"neutral","sentiment_score":0.08837312459945679},{"word":"for","start":935.835,"end":935.99506,"confidence":0.99929976,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10121909528970718},{"word":"me","start":935.99506,"end":936.49506,"confidence":0.705692,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.0997101366519928},{"word":"let","start":938.47504,"end":938.715,"confidence":0.7684225,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.06745820492506027},{"word":"me","start":938.715,"end":938.875,"confidence":0.99207264,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06159221380949021},{"word":"just","start":938.875,"end":939.195,"confidence":0.89721256,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05755054205656051},{"word":"see","start":939.195,"end":939.695,"confidence":0.98342395,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.06345151364803314},{"word":"can","start":939.755,"end":939.99506,"confidence":0.8304119,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.050255633890628815},{"word":"you","start":939.99506,"end":940.155,"confidence":0.998779,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05121751129627228},{"word":"see","start":940.155,"end":940.23505,"confidence":0.9905053,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.056895747780799866},{"word":"that","start":940.23505,"end":940.47504,"confidence":0.9997693,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07085012644529343},{"word":"okay","start":940.47504,"end":940.97504,"confidence":0.99733245,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.06767114996910095},{"word":"yep","start":944.97,"end":945.47,"confidence":0.7802068,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08776974678039551},{"word":"sure","start":956.08997,"end":956.58997,"confidence":0.911072,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.14275869727134705},{"word":"and","start":961.145,"end":961.385,"confidence":0.5069309,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10271990299224854},{"word":"you","start":961.385,"end":961.545,"confidence":0.9968562,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08267519623041153},{"word":"probably","start":961.545,"end":961.945,"confidence":0.99683386,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.08498109877109528},{"word":"have","start":961.945,"end":962.265,"confidence":0.99949384,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.047843508422374725},{"word":"seen","start":962.265,"end":962.585,"confidence":0.99869907,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.062066663056612015},{"word":"something","start":962.585,"end":963.065,"confidence":0.99950075,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.04669961705803871},{"word":"similar","start":963.065,"end":963.46497,"confidence":0.9998159,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.017193932086229324},{"word":"to","start":963.46497,"end":963.625,"confidence":0.99926585,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05767929181456566},{"word":"this","start":963.625,"end":964.125,"confidence":0.9993561,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.06708363443613052},{"word":"before","start":964.185,"end":964.685,"confidence":0.9942274,"punctuated_word":"before.","sentiment":"neutral","sentiment_score":0.05817202106118202},{"word":"yep","start":977.08,"end":977.56,"confidence":0.9218463,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.26831528544425964},{"word":"perfect","start":977.56,"end":978.06,"confidence":0.9415437,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6450367569923401},{"word":"so","start":978.2,"end":978.44,"confidence":0.9959294,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5000371932983398},{"word":"this","start":978.44,"end":978.68,"confidence":0.99935776,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.6069748401641846},{"word":"is","start":978.68,"end":978.84,"confidence":0.9974994,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5826680064201355},{"word":"kind","start":978.84,"end":979.0,"confidence":0.9970806,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.5291484594345093},{"word":"of","start":979.0,"end":979.16003,"confidence":0.9996735,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6179103851318359},{"word":"a","start":979.16003,"end":979.32,"confidence":0.9994815,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5868937373161316},{"word":"good","start":979.32,"end":979.82,"confidence":0.99991274,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.631982684135437},{"word":"visual","start":980.12,"end":980.62,"confidence":0.9663401,"punctuated_word":"visual","sentiment":"positive","sentiment_score":0.6086776852607727},{"word":"way","start":981.08,"end":981.4,"confidence":0.9992341,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.5730972290039062},{"word":"of","start":981.4,"end":981.56,"confidence":0.99992573,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.53538978099823},{"word":"explaining","start":981.56,"end":982.06,"confidence":0.99926084,"punctuated_word":"explaining","sentiment":"positive","sentiment_score":0.5160076022148132},{"word":"and","start":982.12,"end":982.28,"confidence":0.9977234,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.558386504650116},{"word":"seeing","start":982.28,"end":982.68,"confidence":0.999464,"punctuated_word":"seeing","sentiment":"positive","sentiment_score":0.6155751347541809},{"word":"the","start":982.68,"end":982.76,"confidence":0.9996543,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5500578880310059},{"word":"market","start":982.76,"end":983.16003,"confidence":0.9994417,"punctuated_word":"market","sentiment":"positive","sentiment_score":0.4328023195266723},{"word":"and","start":983.16003,"end":983.32,"confidence":0.98066485,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.46913382411003113},{"word":"seeing","start":983.32,"end":983.56,"confidence":0.98847604,"punctuated_word":"seeing","sentiment":"positive","sentiment_score":0.4870940148830414},{"word":"the","start":983.56,"end":983.72003,"confidence":0.9860205,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4646856486797333},{"word":"ups","start":983.72003,"end":983.88,"confidence":0.9959189,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":0.3324013352394104},{"word":"and","start":983.88,"end":984.04004,"confidence":0.9996489,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3659409582614898},{"word":"downs","start":984.04004,"end":984.54004,"confidence":0.98498386,"punctuated_word":"downs.","sentiment":"positive","sentiment_score":0.3491261899471283},{"word":"so","start":985.21497,"end":985.45496,"confidence":0.92179537,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.2566547393798828},{"word":"obviously","start":985.45496,"end":985.77496,"confidence":0.99974465,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.23022334277629852},{"word":"this","start":985.77496,"end":986.015,"confidence":0.99983716,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.26041510701179504},{"word":"one","start":986.015,"end":986.175,"confidence":0.9998209,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.19203151762485504},{"word":"here","start":986.175,"end":986.415,"confidence":0.9921944,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.17653241753578186},{"word":"goes","start":986.415,"end":986.735,"confidence":0.99858105,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.1403498649597168},{"word":"all","start":986.735,"end":986.815,"confidence":0.99984777,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.14858819544315338},{"word":"the","start":986.815,"end":986.975,"confidence":0.9996393,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13586947321891785},{"word":"way","start":986.975,"end":987.135,"confidence":0.99975985,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.1383858174085617},{"word":"back","start":987.135,"end":987.295,"confidence":0.9997545,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.11211616545915604},{"word":"through","start":987.295,"end":987.695,"confidence":0.86660075,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08948037028312683},{"word":"1995","start":987.695,"end":989.15497,"confidence":0.9806418,"punctuated_word":"1995","sentiment":"neutral","sentiment_score":0.15092208981513977},{"word":"and","start":989.695,"end":989.935,"confidence":0.8621456,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15763458609580994},{"word":"then","start":989.935,"end":990.255,"confidence":0.9991786,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1774480789899826},{"word":"through","start":990.255,"end":990.575,"confidence":0.9957831,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.11387181282043456},{"word":"through","start":990.575,"end":990.815,"confidence":0.70786273,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.12064771354198456},{"word":"2025","start":990.815,"end":992.035,"confidence":0.9789586,"punctuated_word":"2025.","sentiment":"neutral","sentiment_score":0.2226129174232483},{"word":"and","start":992.175,"end":992.415,"confidence":0.99819857,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.30285391211509705},{"word":"it","start":992.415,"end":992.495,"confidence":0.99968374,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3599345088005066},{"word":"shows","start":992.495,"end":992.815,"confidence":0.9998877,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.24611294269561768},{"word":"you","start":992.815,"end":993.055,"confidence":0.9996314,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3118218183517456},{"word":"as","start":993.055,"end":993.21497,"confidence":0.9961928,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2644977569580078},{"word":"well","start":993.21497,"end":993.535,"confidence":0.9998448,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.25872164964675903},{"word":"kind","start":993.535,"end":993.695,"confidence":0.96036,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.28725892305374146},{"word":"of","start":993.695,"end":993.935,"confidence":0.7766743,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.26589977741241455},{"word":"you","start":993.935,"end":994.095,"confidence":0.9996518,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20972198247909543},{"word":"know","start":994.095,"end":994.33496,"confidence":0.9963683,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.2514185905456543},{"word":"over","start":994.33496,"end":994.575,"confidence":0.99960107,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.2871740162372589},{"word":"the","start":994.575,"end":994.735,"confidence":0.99834096,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2411116361618042},{"word":"long","start":994.735,"end":994.975,"confidence":0.9974679,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.275667667388916},{"word":"term","start":994.975,"end":995.21497,"confidence":0.9485841,"punctuated_word":"term,","sentiment":"neutral","sentiment_score":0.24796314537525177},{"word":"the","start":995.21497,"end":995.375,"confidence":0.99131984,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2534725069999695},{"word":"market","start":995.375,"end":995.77496,"confidence":0.9997608,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.17983239889144895},{"word":"always","start":995.77496,"end":996.095,"confidence":0.99961156,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.23021751642227173},{"word":"goes","start":996.095,"end":996.33496,"confidence":0.98582745,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.2521974444389343},{"word":"up","start":996.33496,"end":996.75,"confidence":0.98404896,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.20137712359428409},{"word":"short","start":996.99,"end":997.23,"confidence":0.99906975,"punctuated_word":"Short","sentiment":"neutral","sentiment_score":-0.08638519793748856},{"word":"term","start":997.23,"end":997.47,"confidence":0.9255314,"punctuated_word":"term,","sentiment":"neutral","sentiment_score":-0.07269236445426941},{"word":"though","start":997.47,"end":997.79,"confidence":0.99834806,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":-0.0786513164639473},{"word":"there","start":997.79,"end":997.95,"confidence":0.9995733,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.05917885899543762},{"word":"are","start":997.95,"end":998.19,"confidence":0.9996044,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.03823968768119812},{"word":"those","start":998.19,"end":998.43,"confidence":0.99903345,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.0018420964479446411},{"word":"ups","start":998.43,"end":998.67,"confidence":0.999154,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":-0.09047377854585648},{"word":"and","start":998.67,"end":998.83,"confidence":0.999451,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1185641512274742},{"word":"downs","start":998.83,"end":999.23,"confidence":0.9989448,"punctuated_word":"downs","sentiment":"neutral","sentiment_score":-0.137892484664917},{"word":"and","start":999.23,"end":999.39,"confidence":0.9958547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1838949918746948},{"word":"market","start":999.39,"end":999.87,"confidence":0.99944407,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.22335562109947205},{"word":"fluctuations","start":999.87,"end":1000.37,"confidence":0.9572914,"punctuated_word":"fluctuations.","sentiment":"neutral","sentiment_score":-0.1503848135471344},{"word":"and","start":1000.99,"end":1001.23,"confidence":0.9974734,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04600637406110763},{"word":"sometimes","start":1001.23,"end":1001.71,"confidence":0.9816923,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":-0.008012183010578156},{"word":"you","start":1001.71,"end":1001.87,"confidence":0.86248684,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07423969358205795},{"word":"can","start":1001.87,"end":1002.11,"confidence":0.99989665,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0500919371843338},{"word":"see","start":1002.11,"end":1002.27,"confidence":0.9992287,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.057370223104953766},{"word":"as","start":1002.27,"end":1002.43,"confidence":0.9919795,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.007729098200798035},{"word":"well","start":1002.43,"end":1002.67,"confidence":0.9987668,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.0354100838303566},{"word":"that","start":1002.67,"end":1002.83,"confidence":0.99147135,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.0016250386834144592},{"word":"like","start":1002.83,"end":1003.07,"confidence":0.99928224,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.008528947830200195},{"word":"the","start":1003.07,"end":1003.23,"confidence":0.99983275,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.056478723883628845},{"word":"biggest","start":1003.23,"end":1003.71,"confidence":0.99987805,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":-0.13453662395477295},{"word":"decreases","start":1003.71,"end":1004.21,"confidence":0.99752945,"punctuated_word":"decreases","sentiment":"neutral","sentiment_score":-0.18129438161849976},{"word":"in","start":1004.27,"end":1004.43,"confidence":0.9997271,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.25276535749435425},{"word":"the","start":1004.43,"end":1004.59,"confidence":0.9993513,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.25381115078926086},{"word":"market","start":1004.59,"end":1004.91,"confidence":0.9999293,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.2059401571750641},{"word":"are","start":1004.91,"end":1005.07,"confidence":0.9982981,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.11050602793693542},{"word":"quite","start":1005.07,"end":1005.31,"confidence":0.9995721,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.16209638118743896},{"word":"closely","start":1005.31,"end":1005.79,"confidence":0.9993155,"punctuated_word":"closely","sentiment":"neutral","sentiment_score":-0.21041986346244812},{"word":"followed","start":1005.79,"end":1006.27,"confidence":0.9996892,"punctuated_word":"followed","sentiment":"neutral","sentiment_score":-0.10130420327186584},{"word":"by","start":1006.27,"end":1006.77,"confidence":0.99975044,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.03251028060913086},{"word":"the","start":1006.83,"end":1006.99,"confidence":0.5844532,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08005066215991974},{"word":"market","start":1006.99,"end":1007.31,"confidence":0.99926454,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.06321300566196442},{"word":"going","start":1007.31,"end":1007.55,"confidence":0.9990551,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.008987575769424438},{"word":"back","start":1007.55,"end":1007.79,"confidence":0.9985279,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.07821226119995117},{"word":"up","start":1007.79,"end":1007.95,"confidence":0.9946004,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.07333554327487946},{"word":"again","start":1007.95,"end":1008.45,"confidence":0.8399904,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.003050081431865692},{"word":"obviously","start":1008.59,"end":1008.91,"confidence":0.8676076,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.02005364745855331},{"word":"depending","start":1008.91,"end":1009.39,"confidence":0.787911,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":-0.05786703526973725},{"word":"on","start":1009.39,"end":1009.55,"confidence":0.9962603,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.09112299978733064},{"word":"what","start":1009.55,"end":1009.79,"confidence":0.9998264,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.1413581520318985},{"word":"is","start":1009.79,"end":1010.11,"confidence":0.99982625,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07915181666612625},{"word":"going","start":1010.11,"end":1010.35,"confidence":0.99971575,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.05547177791595459},{"word":"on","start":1010.35,"end":1010.85,"confidence":0.99780816,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.08158820867538452},{"word":"and","start":1011.345,"end":1011.58496,"confidence":0.9993506,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11212201416492462},{"word":"this","start":1011.58496,"end":1011.90497,"confidence":0.9995962,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.15461856126785278},{"word":"one","start":1011.90497,"end":1012.14496,"confidence":0.9994473,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.12788063287734985},{"word":"here","start":1012.14496,"end":1012.46497,"confidence":0.9988079,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.16985416412353516},{"word":"also","start":1012.46497,"end":1012.865,"confidence":0.9970752,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.10357265174388884},{"word":"breaks","start":1012.865,"end":1013.185,"confidence":0.99956006,"punctuated_word":"breaks","sentiment":"neutral","sentiment_score":0.15497419238090515},{"word":"down","start":1013.185,"end":1013.425,"confidence":0.99987626,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.16747194528579712},{"word":"the","start":1013.425,"end":1013.58496,"confidence":0.99865603,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11409512162208556},{"word":"different","start":1013.58496,"end":1013.985,"confidence":0.999808,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.0954580456018448},{"word":"asset","start":1013.985,"end":1014.305,"confidence":0.99725205,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.0935799926519394},{"word":"classes","start":1014.305,"end":1014.805,"confidence":0.99542594,"punctuated_word":"classes.","sentiment":"neutral","sentiment_score":0.10223257541656494},{"word":"so","start":1015.105,"end":1015.58496,"confidence":0.99352574,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13924500346183777},{"word":"to","start":1015.58496,"end":1015.745,"confidence":0.99367166,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13377192616462708},{"word":"the","start":1015.745,"end":1015.90497,"confidence":0.99909866,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13473106920719147},{"word":"right","start":1015.90497,"end":1016.14496,"confidence":0.9981274,"punctuated_word":"right,","sentiment":"neutral","sentiment_score":0.14421914517879486},{"word":"you","start":1016.14496,"end":1016.225,"confidence":0.999889,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16004350781440735},{"word":"will","start":1016.225,"end":1016.46497,"confidence":0.9912834,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1643586307764053},{"word":"see","start":1016.46497,"end":1016.625,"confidence":0.9990114,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1575736254453659},{"word":"your","start":1016.625,"end":1016.865,"confidence":0.98424953,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1256270855665207},{"word":"top","start":1016.865,"end":1017.185,"confidence":0.9937856,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.14103195071220398},{"word":"four","start":1017.185,"end":1017.685,"confidence":0.85323095,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":0.12480312585830688},{"word":"so","start":1017.82495,"end":1018.14496,"confidence":0.7560076,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10261532664299013},{"word":"us","start":1018.14496,"end":1018.46497,"confidence":0.98785955,"punctuated_word":"US","sentiment":"neutral","sentiment_score":0.06250352412462234},{"word":"shares","start":1018.46497,"end":1018.865,"confidence":0.99122304,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.07950176298618317},{"word":"australian","start":1018.865,"end":1019.365,"confidence":0.99780494,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.08894014358520508},{"word":"shares","start":1019.505,"end":1019.90497,"confidence":0.99911964,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.08090003579854965},{"word":"international","start":1019.90497,"end":1020.40497,"confidence":0.9964167,"punctuated_word":"international","sentiment":"neutral","sentiment_score":0.06168016791343689},{"word":"shares","start":1020.625,"end":1020.945,"confidence":0.99297714,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.06621874868869781},{"word":"and","start":1020.945,"end":1021.185,"confidence":0.99947506,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08498778194189072},{"word":"property","start":1021.185,"end":1021.685,"confidence":0.98887205,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.0817122682929039},{"word":"now","start":1022.14496,"end":1022.625,"confidence":0.99940944,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.08903855830430984},{"word":"these","start":1022.625,"end":1023.02496,"confidence":0.94489384,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.07913156598806381},{"word":"kind","start":1023.02496,"end":1023.26495,"confidence":0.8943189,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.046014465391635895},{"word":"of","start":1023.26495,"end":1023.425,"confidence":0.9994543,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08469444513320923},{"word":"falls","start":1023.425,"end":1023.745,"confidence":0.9076416,"punctuated_word":"falls","sentiment":"neutral","sentiment_score":0.05205880105495453},{"word":"into","start":1023.745,"end":1024.065,"confidence":0.998855,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.08861499279737473},{"word":"the","start":1024.065,"end":1024.225,"confidence":0.9983866,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07665487378835678},{"word":"category","start":1024.225,"end":1024.705,"confidence":0.9998399,"punctuated_word":"category","sentiment":"neutral","sentiment_score":0.10402047634124756},{"word":"of","start":1024.705,"end":1024.945,"confidence":0.99914134,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07659418880939484},{"word":"we","start":1024.945,"end":1025.1849,"confidence":0.633136,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13925078511238098},{"word":"would","start":1025.1849,"end":1025.37,"confidence":0.98331153,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.10980156064033508},{"word":"call","start":1025.37,"end":1025.61,"confidence":0.9989207,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.09289081394672394},{"word":"your","start":1025.61,"end":1025.93,"confidence":0.9049852,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1493605673313141},{"word":"growth","start":1025.93,"end":1026.43,"confidence":0.96475196,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.1342698633670807},{"word":"investment","start":1026.97,"end":1027.47,"confidence":0.95626515,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.07863225042819977},{"word":"so","start":1028.97,"end":1029.21,"confidence":0.9600987,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3212096095085144},{"word":"so","start":1029.21,"end":1029.29,"confidence":0.94889826,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.4121397137641907},{"word":"they","start":1029.29,"end":1029.45,"confidence":0.9758542,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.36705994606018066},{"word":"are","start":1029.45,"end":1029.61,"confidence":0.982371,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.36101266741752625},{"word":"the","start":1029.61,"end":1029.69,"confidence":0.99852943,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3805111050605774},{"word":"ones","start":1029.69,"end":1029.85,"confidence":0.9941506,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":0.32489657402038574},{"word":"that's","start":1029.85,"end":1030.01,"confidence":0.96321195,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.45135498046875},{"word":"going","start":1030.01,"end":1030.25,"confidence":0.99905235,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.5001876354217529},{"word":"to","start":1030.25,"end":1030.41,"confidence":0.997598,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.449294239282608},{"word":"maximize","start":1030.41,"end":1030.91,"confidence":0.9929941,"punctuated_word":"maximize","sentiment":"positive","sentiment_score":0.6230825781822205},{"word":"that","start":1030.97,"end":1031.21,"confidence":0.89191884,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.586669385433197},{"word":"growth","start":1031.21,"end":1031.71,"confidence":0.9996252,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.5812769532203674},{"word":"for","start":1031.77,"end":1032.01,"confidence":0.9997507,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.557006299495697},{"word":"you","start":1032.01,"end":1032.51,"confidence":0.99980104,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.39894357323646545},{"word":"the","start":1032.8099,"end":1033.05,"confidence":0.9987897,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.15892848372459412},{"word":"bottom","start":1033.05,"end":1033.45,"confidence":0.9995432,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.1219363659620285},{"word":"three","start":1033.45,"end":1033.85,"confidence":0.9989195,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.11266113817691804},{"word":"are","start":1033.85,"end":1034.01,"confidence":0.998223,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0763489156961441},{"word":"your","start":1034.01,"end":1034.33,"confidence":0.99847144,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06036287546157837},{"word":"defensive","start":1034.33,"end":1034.83,"confidence":0.73625076,"punctuated_word":"defensive.","sentiment":"neutral","sentiment_score":-0.015495799481868744},{"word":"so","start":1035.05,"end":1035.29,"confidence":0.99959236,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04421265423297882},{"word":"these","start":1035.29,"end":1035.53,"confidence":0.9991862,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.06234021484851837},{"word":"are","start":1035.53,"end":1035.69,"confidence":0.9959054,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.11006148159503935},{"word":"a","start":1035.69,"end":1035.77,"confidence":0.9589577,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0639474093914032},{"word":"little","start":1035.77,"end":1036.01,"confidence":0.9999099,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.027806520462036133},{"word":"bit","start":1036.01,"end":1036.25,"confidence":0.99986017,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.029018983244895935},{"word":"more","start":1036.25,"end":1036.57,"confidence":0.91431844,"punctuated_word":"more,","sentiment":"neutral","sentiment_score":0.037296198308467865},{"word":"obviously","start":1036.8099,"end":1037.3099,"confidence":0.99714416,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.09290061891078948},{"word":"smoother","start":1037.37,"end":1037.87,"confidence":0.6784456,"punctuated_word":"smoother","sentiment":"neutral","sentiment_score":0.11257300525903702},{"word":"as","start":1037.93,"end":1038.17,"confidence":0.80890334,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12681031227111816},{"word":"you","start":1038.17,"end":1038.25,"confidence":0.99983215,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11450672149658205},{"word":"can","start":1038.25,"end":1038.49,"confidence":0.9998518,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1317426860332489},{"word":"see","start":1038.49,"end":1038.73,"confidence":0.99841803,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":0.06510953605175018},{"word":"but","start":1038.73,"end":1038.89,"confidence":0.99892265,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.006208673119544983},{"word":"they","start":1038.89,"end":1039.05,"confidence":0.997658,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.17906714975833893},{"word":"don't","start":1039.05,"end":1039.29,"confidence":0.9998543,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.19636452198028564},{"word":"grow","start":1039.29,"end":1039.61,"confidence":0.99776554,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":-0.06632472574710846},{"word":"as","start":1039.61,"end":1039.93,"confidence":0.9980812,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.07851828634738922},{"word":"much","start":1039.93,"end":1040.43,"confidence":0.98391575,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":-0.038127459585666656},{"word":"so","start":1040.635,"end":1040.875,"confidence":0.98102623,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16656988859176636},{"word":"these","start":1040.875,"end":1040.955,"confidence":0.9654209,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.15880942344665527},{"word":"are","start":1040.955,"end":1041.455,"confidence":0.93321633,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09712018072605132},{"word":"your","start":1041.515,"end":1041.755,"confidence":0.98018485,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14360308647155762},{"word":"defenses","start":1041.755,"end":1042.255,"confidence":0.8609508,"punctuated_word":"defenses.","sentiment":"neutral","sentiment_score":0.14933651685714722},{"word":"now","start":1043.6749,"end":1044.075,"confidence":0.89230686,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.2558555603027344},{"word":"with","start":1044.075,"end":1044.395,"confidence":0.9916586,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.22101342678070068},{"word":"your","start":1044.395,"end":1044.635,"confidence":0.9987488,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3170947730541229},{"word":"genlife","start":1044.635,"end":1045.135,"confidence":0.5981374,"punctuated_word":"Genlife","sentiment":"neutral","sentiment_score":0.3160024583339691},{"word":"investment","start":1045.835,"end":1046.335,"confidence":0.97809464,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.21077023446559903},{"word":"portfolio","start":1046.5549,"end":1047.0549,"confidence":0.9721462,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.11985914409160614},{"word":"that","start":1047.4349,"end":1047.6749,"confidence":0.92324775,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1849428564310074},{"word":"i","start":1047.6749,"end":1047.755,"confidence":0.9024387,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.235133096575737},{"word":"know","start":1047.755,"end":1047.995,"confidence":0.99966633,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2086465060710907},{"word":"you","start":1047.995,"end":1048.075,"confidence":0.99934083,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2091585248708725},{"word":"set","start":1048.075,"end":1048.315,"confidence":0.988457,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.2607768774032593},{"word":"up","start":1048.315,"end":1048.475,"confidence":0.99961877,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1854490041732788},{"word":"with","start":1048.475,"end":1048.715,"confidence":0.9995408,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1648564338684082},{"word":"my","start":1048.715,"end":1048.875,"confidence":0.9989489,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.19142070412635803},{"word":"colleague","start":1048.875,"end":1049.355,"confidence":0.8087218,"punctuated_word":"colleague,","sentiment":"neutral","sentiment_score":0.19588738679885864},{"word":"kyle","start":1049.355,"end":1049.855,"confidence":0.98647755,"punctuated_word":"Kyle,","sentiment":"neutral","sentiment_score":0.19108884036540985},{"word":"you","start":1050.075,"end":1050.315,"confidence":0.9993241,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20671595633029935},{"word":"are","start":1050.315,"end":1050.475,"confidence":0.9976713,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.17457813024520874},{"word":"in","start":1050.475,"end":1050.975,"confidence":0.99977237,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15606391429901123},{"word":"a","start":1051.595,"end":1051.6749,"confidence":0.99660265,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21931463479995728},{"word":"vanguard","start":1051.6749,"end":1052.1749,"confidence":0.6149736,"punctuated_word":"Vanguard,","sentiment":"neutral","sentiment_score":0.1557643860578537},{"word":"let","start":1052.395,"end":1052.5549,"confidence":0.99711144,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1987711042165756},{"word":"me","start":1052.5549,"end":1052.635,"confidence":0.9986759,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.22260946035385132},{"word":"just","start":1052.635,"end":1052.955,"confidence":0.9954204,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13459478318691254},{"word":"see","start":1052.955,"end":1053.115,"confidence":0.6152977,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":0.16155743598937988},{"word":"head","start":1053.115,"end":1053.4349,"confidence":0.71492666,"punctuated_word":"head","sentiment":"positive","sentiment_score":0.34903985261917114},{"word":"growth","start":1053.4349,"end":1053.755,"confidence":0.9427559,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.3161524832248688},{"word":"portfolio","start":1053.755,"end":1054.255,"confidence":0.9959579,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.20584630966186523},{"word":"i","start":1054.475,"end":1054.635,"confidence":0.99977463,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3956369459629059},{"word":"believe","start":1054.635,"end":1055.135,"confidence":0.8993539,"punctuated_word":"believe.","sentiment":"neutral","sentiment_score":0.2924785614013672},{"word":"yes","start":1056.85,"end":1057.33,"confidence":0.97600055,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.26136544346809387},{"word":"which","start":1057.33,"end":1057.57,"confidence":0.9984463,"punctuated_word":"Which","sentiment":"neutral","sentiment_score":0.1990520656108856},{"word":"is","start":1057.57,"end":1057.8099,"confidence":0.98627,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21736469864845276},{"word":"kind","start":1057.8099,"end":1058.05,"confidence":0.99765116,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.19265633821487427},{"word":"of","start":1058.05,"end":1058.29,"confidence":0.9999385,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2437395304441452},{"word":"aiming","start":1058.29,"end":1058.77,"confidence":0.9996259,"punctuated_word":"aiming","sentiment":"neutral","sentiment_score":0.21202188730239868},{"word":"for","start":1058.77,"end":1059.17,"confidence":0.99922657,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.21480792760849},{"word":"around","start":1059.17,"end":1059.57,"confidence":0.9948966,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.2462528496980667},{"word":"a","start":1059.57,"end":1059.89,"confidence":0.6968164,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2755492031574249},{"word":"eighty","start":1059.89,"end":1060.29,"confidence":0.9950223,"punctuated_word":"eighty","sentiment":"neutral","sentiment_score":0.2171080112457275},{"word":"twenty","start":1060.29,"end":1060.79,"confidence":0.67055595,"punctuated_word":"twenty","sentiment":"positive","sentiment_score":0.36468154191970825},{"word":"split","start":1060.85,"end":1061.35,"confidence":0.9393914,"punctuated_word":"split.","sentiment":"neutral","sentiment_score":-0.04344084113836289},{"word":"so","start":1061.57,"end":1061.89,"confidence":0.99791557,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15717460215091705},{"word":"about","start":1061.89,"end":1062.37,"confidence":0.99740475,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1789357364177704},{"word":"80%","start":1062.37,"end":1063.27,"confidence":0.9994509,"punctuated_word":"80%","sentiment":"neutral","sentiment_score":0.20685257017612457},{"word":"typically","start":1063.33,"end":1063.83,"confidence":0.5424445,"punctuated_word":"typically","sentiment":"neutral","sentiment_score":0.18959587812423703},{"word":"in","start":1064.13,"end":1064.37,"confidence":0.988221,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.23645907640457153},{"word":"those","start":1064.37,"end":1064.69,"confidence":0.9997435,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2519882023334503},{"word":"top","start":1064.69,"end":1064.9299,"confidence":0.9981042,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.15768681466579437},{"word":"four","start":1064.9299,"end":1065.17,"confidence":0.9867213,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.14435942471027374},{"word":"and","start":1065.17,"end":1065.33,"confidence":0.9711511,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09955409169197084},{"word":"about","start":1065.33,"end":1065.73,"confidence":0.74182194,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.12415293604135512},{"word":"20","start":1065.73,"end":1066.21,"confidence":0.9992219,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.15887212753295898},{"word":"in","start":1066.21,"end":1066.45,"confidence":0.9989612,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18540367484092712},{"word":"the","start":1066.45,"end":1066.61,"confidence":0.9996469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1550782471895218},{"word":"bottom","start":1066.61,"end":1067.11,"confidence":0.9998129,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.1919761747121811},{"word":"because","start":1067.33,"end":1067.73,"confidence":0.6205389,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1084035187959671},{"word":"you","start":1067.73,"end":1067.89,"confidence":0.9998758,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18547439575195312},{"word":"do","start":1067.89,"end":1068.13,"confidence":0.99983764,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.17227321863174438},{"word":"have","start":1068.13,"end":1068.37,"confidence":0.9992483,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14828602969646454},{"word":"obviously","start":1068.37,"end":1068.855,"confidence":0.50397575,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.13442684710025787},{"word":"time","start":1068.9349,"end":1069.415,"confidence":0.99899906,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.10039187967777252},{"word":"until","start":1069.415,"end":1069.915,"confidence":0.99157816,"punctuated_word":"until,","sentiment":"neutral","sentiment_score":0.11380431056022644},{"word":"you","start":1071.015,"end":1071.1749,"confidence":0.6195728,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13832566142082214},{"word":"know","start":1071.1749,"end":1071.335,"confidence":0.99966633,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.10067828744649888},{"word":"at","start":1071.335,"end":1071.495,"confidence":0.9982401,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07973166555166245},{"word":"least","start":1071.495,"end":1071.655,"confidence":0.99968207,"punctuated_word":"least","sentiment":"neutral","sentiment_score":0.05857911705970764},{"word":"that","start":1071.655,"end":1071.815,"confidence":0.86295,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14242514967918396},{"word":"ten","start":1071.815,"end":1072.0549,"confidence":0.999385,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.12333695590496065},{"word":"years","start":1072.0549,"end":1072.2949,"confidence":0.98644316,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.1029171496629715},{"word":"until","start":1072.2949,"end":1072.535,"confidence":0.7938818,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.10358741879463196},{"word":"you","start":1072.535,"end":1072.695,"confidence":0.9997086,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1551370471715927},{"word":"wanna","start":1072.695,"end":1072.9349,"confidence":0.9844749,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.14438341557979584},{"word":"give","start":1072.9349,"end":1073.095,"confidence":0.9991079,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.16349957883358002},{"word":"it","start":1073.095,"end":1073.335,"confidence":0.9987808,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.23827755451202393},{"word":"to","start":1073.335,"end":1073.575,"confidence":0.9901328,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18146833777427673},{"word":"your","start":1073.575,"end":1073.735,"confidence":0.998035,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1921234130859375},{"word":"children","start":1073.735,"end":1074.135,"confidence":0.9994904,"punctuated_word":"children","sentiment":"neutral","sentiment_score":0.22340385615825653},{"word":"or","start":1074.135,"end":1074.2949,"confidence":0.9836993,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.19480735063552856},{"word":"whenever","start":1074.2949,"end":1074.695,"confidence":0.9990669,"punctuated_word":"whenever","sentiment":"neutral","sentiment_score":0.16230767965316772},{"word":"you","start":1074.695,"end":1074.855,"confidence":0.9993886,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1927146315574646},{"word":"decide","start":1074.855,"end":1075.1749,"confidence":0.9959222,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.1882738173007965},{"word":"that","start":1075.1749,"end":1075.335,"confidence":0.9961062,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22098204493522644},{"word":"you","start":1075.335,"end":1075.495,"confidence":0.99977607,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2199706584215164},{"word":"would","start":1075.495,"end":1075.655,"confidence":0.99984586,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.17933425307273865},{"word":"like","start":1075.655,"end":1075.975,"confidence":0.99961025,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.17422793805599213},{"word":"to","start":1075.975,"end":1076.135,"confidence":0.99436533,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1938136965036392},{"word":"give","start":1076.135,"end":1076.2949,"confidence":0.9991032,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.23464132845401764},{"word":"it","start":1076.2949,"end":1076.535,"confidence":0.99863225,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.29012271761894226},{"word":"to","start":1076.535,"end":1076.695,"confidence":0.9635007,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2900872826576233},{"word":"them","start":1076.695,"end":1077.195,"confidence":0.97571015,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.21250882744789124},{"word":"so","start":1077.415,"end":1077.655,"confidence":0.996117,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2029775977134705},{"word":"it","start":1077.655,"end":1077.735,"confidence":0.9991985,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2767348289489746},{"word":"is","start":1077.735,"end":1077.975,"confidence":0.99970406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2556832730770111},{"word":"a","start":1077.975,"end":1078.135,"confidence":0.9921124,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":0.28956758975982666},{"word":"you","start":1078.135,"end":1078.2949,"confidence":0.9998317,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.31434863805770874},{"word":"know","start":1078.2949,"end":1078.535,"confidence":0.9998436,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.32371246814727783},{"word":"a","start":1078.535,"end":1078.615,"confidence":0.9993857,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31234830617904663},{"word":"good","start":1078.615,"end":1078.9349,"confidence":0.9997851,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.27618473768234253},{"word":"time","start":1078.9349,"end":1079.1749,"confidence":0.9892614,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.3027504086494446},{"word":"frame","start":1079.1749,"end":1079.655,"confidence":0.9993488,"punctuated_word":"frame","sentiment":"neutral","sentiment_score":0.32775047421455383},{"word":"to","start":1079.655,"end":1079.895,"confidence":0.9971289,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3210715055465698},{"word":"do","start":1079.895,"end":1080.0549,"confidence":0.999796,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2963375449180603},{"word":"that","start":1080.0549,"end":1080.5549,"confidence":0.99965787,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.24954986572265625},{"word":"now","start":1082.15,"end":1082.65,"confidence":0.9595969,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.07138966023921967},{"word":"the","start":1082.71,"end":1082.87,"confidence":0.995852,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08401542901992798},{"word":"next","start":1082.87,"end":1083.37,"confidence":0.9998306,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.06681948155164719},{"word":"two","start":1083.59,"end":1083.91,"confidence":0.5897773,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.0771060585975647},{"word":"attachments","start":1083.91,"end":1084.41,"confidence":0.8161373,"punctuated_word":"attachments","sentiment":"neutral","sentiment_score":0.06417787075042725},{"word":"that","start":1086.07,"end":1086.23,"confidence":0.9128141,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07301945984363556},{"word":"i","start":1086.23,"end":1086.39,"confidence":0.99981445,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06151961162686348},{"word":"can","start":1086.39,"end":1086.63,"confidence":0.99975497,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.058281783014535904},{"word":"see","start":1086.63,"end":1086.87,"confidence":0.9997837,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.06092149764299393},{"word":"here","start":1086.87,"end":1087.19,"confidence":0.99954057,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.06080988422036171},{"word":"is","start":1087.19,"end":1087.35,"confidence":0.99960965,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.056845154613256454},{"word":"your","start":1087.35,"end":1087.67,"confidence":0.99967635,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07362259179353714},{"word":"genlife","start":1087.67,"end":1088.17,"confidence":0.72506183,"punctuated_word":"Genlife","sentiment":"neutral","sentiment_score":0.05978959798812866},{"word":"portfolio","start":1088.55,"end":1089.05,"confidence":0.679082,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.05404917895793915},{"word":"per","start":1090.3099,"end":1090.8099,"confidence":0.26678187,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.03102044388651848},{"word":"service","start":1091.27,"end":1091.77,"confidence":0.5082474,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.03239302709698677},{"word":"port","start":1091.91,"end":1092.39,"confidence":0.7504646,"punctuated_word":"port.","sentiment":"neutral","sentiment_score":0.02728242054581642},{"word":"sorry","start":1092.39,"end":1092.89,"confidence":0.9955492,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":0.002017725259065628},{"word":"can","start":1093.83,"end":1093.99,"confidence":0.9877999,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.003641130402684212},{"word":"you","start":1093.99,"end":1094.23,"confidence":0.999897,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00621119886636734},{"word":"see","start":1094.23,"end":1094.47,"confidence":0.9984854,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0012007486075162888},{"word":"those","start":1094.47,"end":1094.97,"confidence":0.9975637,"punctuated_word":"those?","sentiment":"neutral","sentiment_score":0.00563472043722868},{"word":"they're","start":1095.19,"end":1095.51,"confidence":0.92586493,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.03745299205183983},{"word":"just","start":1095.51,"end":1095.99,"confidence":0.9938232,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03083212673664093},{"word":"exactly","start":1096.995,"end":1097.235,"confidence":0.97753656,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.12817488610744476},{"word":"which","start":1097.395,"end":1097.555,"confidence":0.99877375,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.14598025381565094},{"word":"is","start":1097.555,"end":1097.715,"confidence":0.99983966,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11627510190010072},{"word":"just","start":1097.715,"end":1097.955,"confidence":0.9995561,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1506432145833969},{"word":"your","start":1097.955,"end":1098.275,"confidence":0.997566,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15643133223056793},{"word":"generation","start":1098.275,"end":1098.775,"confidence":0.69546235,"punctuated_word":"generation","sentiment":"neutral","sentiment_score":0.10720407962799072},{"word":"life","start":1098.915,"end":1099.415,"confidence":0.92869747,"punctuated_word":"life.","sentiment":"neutral","sentiment_score":0.16475215554237366},{"word":"you","start":1099.795,"end":1100.035,"confidence":0.9951362,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.12553571164608002},{"word":"can","start":1100.035,"end":1100.275,"confidence":0.99991703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15301695466041565},{"word":"see","start":1100.275,"end":1100.595,"confidence":0.99799675,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.15707433223724365},{"word":"that","start":1100.595,"end":1100.835,"confidence":0.79199076,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.14417743682861328},{"word":"obviously","start":1100.835,"end":1101.3151,"confidence":0.9957725,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.12317437678575516},{"word":"it's","start":1101.3151,"end":1101.395,"confidence":0.6898385,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.11820711940526962},{"word":"a","start":1101.395,"end":1101.555,"confidence":0.9309164,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10954798758029938},{"word":"child","start":1101.555,"end":1102.055,"confidence":0.7623402,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.08117935061454773},{"word":"build","start":1102.595,"end":1102.835,"confidence":0.14529036,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.10717721283435822},{"word":"up","start":1102.835,"end":1102.995,"confidence":0.55810934,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0838608369231224},{"word":"bond","start":1102.995,"end":1103.495,"confidence":0.8284949,"punctuated_word":"bond,","sentiment":"neutral","sentiment_score":0.09487831592559814},{"word":"investment","start":1103.715,"end":1104.215,"confidence":0.997617,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.06630123406648636},{"word":"bond","start":1104.275,"end":1104.775,"confidence":0.94326437,"punctuated_word":"bond.","sentiment":"neutral","sentiment_score":0.09237895905971528},{"word":"you","start":1105.555,"end":1105.795,"confidence":0.5632107,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.08282289654016495},{"word":"can","start":1105.795,"end":1106.035,"confidence":0.9999409,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09880290925502776},{"word":"also","start":1106.035,"end":1106.435,"confidence":0.9985343,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0706392303109169},{"word":"see","start":1106.435,"end":1106.675,"confidence":0.99911505,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.12605787813663483},{"word":"your","start":1106.675,"end":1106.995,"confidence":0.9987826,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10779379308223724},{"word":"vanguard","start":1106.995,"end":1107.495,"confidence":0.992011,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.08543632924556732},{"word":"growth","start":1107.635,"end":1108.115,"confidence":0.91312975,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.09364886581897736},{"word":"portfolio","start":1108.115,"end":1108.615,"confidence":0.998816,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.09525880217552184},{"word":"there","start":1108.915,"end":1109.3151,"confidence":0.9966671,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.1187700629234314},{"word":"you","start":1109.3151,"end":1109.475,"confidence":0.9972314,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.10398631542921066},{"word":"can","start":1109.475,"end":1109.795,"confidence":0.9998024,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11342614889144896},{"word":"see","start":1109.795,"end":1110.295,"confidence":0.9982962,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1360836923122406},{"word":"your","start":1110.79,"end":1111.11,"confidence":0.9861733,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09193423390388487},{"word":"closing","start":1111.11,"end":1111.59,"confidence":0.99967587,"punctuated_word":"closing","sentiment":"neutral","sentiment_score":0.09771739691495895},{"word":"balance","start":1111.59,"end":1112.09,"confidence":0.99960214,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.08760275691747665},{"word":"at","start":1112.15,"end":1112.39,"confidence":0.99396765,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09494388848543169},{"word":"the","start":1112.39,"end":1112.55,"confidence":0.99970585,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10626275837421416},{"word":"moment","start":1112.55,"end":1113.05,"confidence":0.97351164,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.0988505631685257},{"word":"so","start":1113.1901,"end":1113.43,"confidence":0.93583274,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09000200033187866},{"word":"at","start":1113.43,"end":1113.59,"confidence":0.96400017,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08542557060718536},{"word":"the","start":1113.59,"end":1113.75,"confidence":0.99969304,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1020631492137909},{"word":"moment","start":1113.75,"end":1114.07,"confidence":0.9880991,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.09807563573122025},{"word":"you","start":1114.07,"end":1114.23,"confidence":0.9999244,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11157604306936264},{"word":"have","start":1114.23,"end":1114.63,"confidence":0.99989927,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10763907432556152},{"word":"13,568","start":1114.63,"end":1117.59,"confidence":0.99897397,"punctuated_word":"13,568","sentiment":"neutral","sentiment_score":0.0775601789355278},{"word":"and","start":1117.59,"end":1117.91,"confidence":0.998946,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07588937133550644},{"word":"85¢","start":1117.91,"end":1119.21,"confidence":0.8917886,"punctuated_word":"85¢."},{"word":"and","start":1119.83,"end":1120.07,"confidence":0.9977375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0657634437084198},{"word":"then","start":1120.07,"end":1120.31,"confidence":0.999887,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08621403574943542},{"word":"you","start":1120.31,"end":1120.39,"confidence":0.99901855,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08981692790985107},{"word":"can","start":1120.39,"end":1120.71,"confidence":0.9998994,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10579390823841096},{"word":"see","start":1120.71,"end":1120.95,"confidence":0.9997731,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.06530912220478058},{"word":"the","start":1120.95,"end":1121.45,"confidence":0.83960694,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0693245679140091},{"word":"total","start":1121.51,"end":1121.99,"confidence":0.76496285,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.06251353025436401},{"word":"after","start":1121.99,"end":1122.39,"confidence":0.98578656,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.08687038719654083},{"word":"tax","start":1122.39,"end":1122.87,"confidence":0.991217,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.08806813508272171},{"word":"performance","start":1122.87,"end":1123.37,"confidence":0.97257805,"punctuated_word":"performance.","sentiment":"neutral","sentiment_score":0.08220504969358444},{"word":"so","start":1124.255,"end":1124.4149,"confidence":0.9839655,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15055786073207855},{"word":"that","start":1124.4149,"end":1124.6549,"confidence":0.999653,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1502070426940918},{"word":"is","start":1124.6549,"end":1124.815,"confidence":0.9995239,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1539071649312973},{"word":"still","start":1124.815,"end":1125.1349,"confidence":0.9994011,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1467902660369873},{"word":"at","start":1125.1349,"end":1125.375,"confidence":0.9712323,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15967059135437012},{"word":"6.25","start":1125.375,"end":1126.575,"confidence":0.97764313,"punctuated_word":"6.25","sentiment":"neutral","sentiment_score":0.146430641412735},{"word":"despite","start":1126.575,"end":1127.0549,"confidence":0.90330344,"punctuated_word":"despite","sentiment":"neutral","sentiment_score":0.06948696076869965},{"word":"everything","start":1127.0549,"end":1127.5549,"confidence":0.9997782,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.06855583190917969},{"word":"going","start":1127.615,"end":1127.9349,"confidence":0.9999049,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.08508461713790894},{"word":"on","start":1127.9349,"end":1128.255,"confidence":0.99909675,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07191348075866699},{"word":"in","start":1128.255,"end":1128.4149,"confidence":0.9994153,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07731414586305618},{"word":"the","start":1128.4149,"end":1128.575,"confidence":0.99951935,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03027324378490448},{"word":"market","start":1128.575,"end":1128.975,"confidence":0.9955272,"punctuated_word":"market,","sentiment":"neutral","sentiment_score":0.09240346401929855},{"word":"which","start":1128.975,"end":1129.215,"confidence":0.9999471,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.14304569363594055},{"word":"is","start":1129.215,"end":1129.375,"confidence":0.99979717,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1562255322933197},{"word":"not","start":1129.375,"end":1129.5349,"confidence":0.9998714,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.04934275150299072},{"word":"bad","start":1129.5349,"end":1130.0349,"confidence":0.99345195,"punctuated_word":"bad","sentiment":"neutral","sentiment_score":0.08650737255811691},{"word":"given","start":1130.495,"end":1130.815,"confidence":0.5121922,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.07288786768913269},{"word":"the","start":1130.815,"end":1130.975,"confidence":0.99928254,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03290783613920212},{"word":"last","start":1130.975,"end":1131.215,"confidence":0.9998281,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.019904933869838715},{"word":"twelve","start":1131.215,"end":1131.5349,"confidence":0.99976367,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.01745452731847763},{"word":"months","start":1131.5349,"end":1131.855,"confidence":0.9996159,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.05278553068637848},{"word":"have","start":1131.855,"end":1132.095,"confidence":0.96282005,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03461263328790665},{"word":"seen","start":1132.095,"end":1132.4149,"confidence":0.97901833,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.024292565882205963},{"word":"a","start":1132.4149,"end":1132.495,"confidence":0.99137235,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.010858125984668732},{"word":"bit","start":1132.495,"end":1132.735,"confidence":0.9884398,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.012671664357185364},{"word":"of","start":1132.735,"end":1132.8949,"confidence":0.99624795,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02382538467645645},{"word":"a","start":1132.8949,"end":1133.0549,"confidence":0.41016462,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.020860057324171063},{"word":"fluctuation","start":1133.0549,"end":1133.5549,"confidence":0.924814,"punctuated_word":"fluctuation.","sentiment":"neutral","sentiment_score":0.028530586510896683},{"word":"so","start":1135.0549,"end":1135.2949,"confidence":0.9901901,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10937738418579102},{"word":"that's","start":1135.2949,"end":1135.695,"confidence":0.99504507,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.10513246059417725},{"word":"those","start":1135.695,"end":1136.195,"confidence":0.9390413,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.10503720492124556},{"word":"for","start":1136.255,"end":1136.495,"confidence":0.99889755,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1308148354291916},{"word":"you","start":1136.495,"end":1136.995,"confidence":0.9998231,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1102818250656128},{"word":"now","start":1137.39,"end":1137.89,"confidence":0.99956006,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.08211704343557358},{"word":"the","start":1138.1901,"end":1138.43,"confidence":0.9906465,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07242264598608017},{"word":"next","start":1138.43,"end":1138.91,"confidence":0.9998286,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.07031025737524033},{"word":"one","start":1138.91,"end":1139.31,"confidence":0.9997397,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.08216963708400726},{"word":"is","start":1139.31,"end":1139.63,"confidence":0.99964166,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10235972702503204},{"word":"your","start":1139.63,"end":1139.87,"confidence":0.9993592,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13943618535995483},{"word":"hub","start":1139.87,"end":1140.1901,"confidence":0.71783763,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.10352830588817596},{"word":"twenty","start":1140.1901,"end":1140.51,"confidence":0.99955505,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.0859803631901741},{"word":"four","start":1140.51,"end":1141.01,"confidence":0.9988927,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.08422359079122543},{"word":"portfolio","start":1141.87,"end":1142.37,"confidence":0.98807365,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.11198359727859496},{"word":"report","start":1142.67,"end":1143.0701,"confidence":0.989805,"punctuated_word":"report.","sentiment":"neutral","sentiment_score":0.07603272795677185},{"word":"can","start":1143.0701,"end":1143.31,"confidence":0.999699,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.07716760039329529},{"word":"you","start":1143.31,"end":1143.47,"confidence":0.99989223,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08618882298469543},{"word":"see","start":1143.47,"end":1143.63,"confidence":0.99912506,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.07931576669216156},{"word":"that","start":1143.63,"end":1143.87,"confidence":0.99996006,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09578391164541245},{"word":"okay","start":1143.87,"end":1144.37,"confidence":0.9963978,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.065842404961586},{"word":"yes","start":1148.11,"end":1148.61,"confidence":0.99665046,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05481265112757683},{"word":"now","start":1148.99,"end":1149.31,"confidence":0.9990747,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.05783890560269356},{"word":"this","start":1149.31,"end":1149.55,"confidence":0.9904704,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.05754753947257995},{"word":"one","start":1149.55,"end":1149.79,"confidence":0.98588747,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06027064844965935},{"word":"here","start":1149.79,"end":1149.9501,"confidence":0.6501471,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.052441373467445374},{"word":"is","start":1149.9501,"end":1150.11,"confidence":0.9448052,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06003338843584061},{"word":"probably","start":1150.11,"end":1150.59,"confidence":0.99935085,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.0377381443977356},{"word":"the","start":1150.59,"end":1150.75,"confidence":0.9995851,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04742061346769333},{"word":"one","start":1150.75,"end":1151.25,"confidence":0.99966645,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.05004962533712387},{"word":"that","start":1151.39,"end":1151.63,"confidence":0.94397265,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.035468846559524536},{"word":"looks","start":1151.63,"end":1151.9501,"confidence":0.99830663,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.042719610035419464},{"word":"the","start":1151.9501,"end":1152.27,"confidence":0.9917378,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.031223749741911888},{"word":"messiest","start":1152.27,"end":1152.77,"confidence":0.8147529,"punctuated_word":"messiest.","sentiment":"neutral","sentiment_score":0.050564322620630264},{"word":"but","start":1154.085,"end":1154.245,"confidence":0.99759966,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0593908429145813},{"word":"this","start":1154.245,"end":1154.485,"confidence":0.9998907,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.06452759355306625},{"word":"one","start":1154.485,"end":1154.805,"confidence":0.99976975,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0644472986459732},{"word":"essentially","start":1154.805,"end":1155.305,"confidence":0.9390002,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.04692888259887695},{"word":"shows","start":1155.365,"end":1155.685,"confidence":0.99902296,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.06493066996335983},{"word":"you","start":1155.685,"end":1155.925,"confidence":0.99861276,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06428344547748566},{"word":"your","start":1155.925,"end":1156.085,"confidence":0.99394304,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06399615108966827},{"word":"hub","start":1156.085,"end":1156.325,"confidence":0.63616747,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.07138362526893616},{"word":"twenty","start":1156.325,"end":1156.645,"confidence":0.9969566,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.06085577607154846},{"word":"four","start":1156.645,"end":1156.965,"confidence":0.99850947,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.05488576740026474},{"word":"investment","start":1156.965,"end":1157.465,"confidence":0.9660683,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.06229951232671738},{"word":"over","start":1158.325,"end":1158.485,"confidence":0.9961123,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.05025465041399002},{"word":"the","start":1158.485,"end":1158.725,"confidence":0.99986386,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0436609759926796},{"word":"last","start":1158.725,"end":1159.225,"confidence":0.9997892,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.05073367804288864},{"word":"twelve","start":1159.285,"end":1159.605,"confidence":0.99974984,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.05210196226835251},{"word":"months","start":1159.605,"end":1160.085,"confidence":0.99342394,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":0.03263019025325775},{"word":"now","start":1160.085,"end":1160.325,"confidence":0.9987103,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.02676978334784508},{"word":"this","start":1160.325,"end":1160.565,"confidence":0.99738735,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.029559478163719177},{"word":"is","start":1160.565,"end":1160.725,"confidence":0.99918896,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.028255032375454903},{"word":"all","start":1160.725,"end":1161.225,"confidence":0.9988004,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.023522086441516876},{"word":"after","start":1161.365,"end":1161.845,"confidence":0.96138036,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.02362053282558918},{"word":"fees","start":1161.845,"end":1162.245,"confidence":0.97674847,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.02917728945612907},{"word":"as","start":1162.245,"end":1162.405,"confidence":0.996172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03754150494933128},{"word":"well","start":1162.405,"end":1162.905,"confidence":0.998314,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.01741231605410576},{"word":"sorry","start":1163.525,"end":1164.025,"confidence":0.88936627,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.013560280203819277},{"word":"yep","start":1166.02,"end":1166.5,"confidence":0.9970567,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.004265566356480122},{"word":"no","start":1166.5,"end":1166.66,"confidence":0.9486516,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.0009071938693523408},{"word":"that's","start":1166.66,"end":1167.06,"confidence":0.99959713,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.04102297872304917},{"word":"okay","start":1167.06,"end":1167.56,"confidence":0.99944806,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.009694186970591543},{"word":"and","start":1173.62,"end":1173.86,"confidence":0.9297324,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.030504658818244938},{"word":"while","start":1173.86,"end":1174.1,"confidence":0.99868816,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.0705302506685257},{"word":"that","start":1174.1,"end":1174.34,"confidence":0.999481,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05603325366973877},{"word":"loads","start":1174.34,"end":1174.8201,"confidence":0.9862357,"punctuated_word":"loads","sentiment":"neutral","sentiment_score":0.04660138860344887},{"word":"for","start":1174.8201,"end":1175.14,"confidence":0.9994261,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.02877803146839142},{"word":"you","start":1175.14,"end":1175.64,"confidence":0.9960656,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.03248506039381027},{"word":"we","start":1177.14,"end":1177.38,"confidence":0.8538086,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02603712677955627},{"word":"currently","start":1177.38,"end":1177.78,"confidence":0.9992957,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.05323813110589981},{"word":"have","start":1177.78,"end":1177.9401,"confidence":0.99967325,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0437072329223156},{"word":"you","start":1177.9401,"end":1178.1,"confidence":0.9925453,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04936598613858223},{"word":"invested","start":1178.1,"end":1178.6,"confidence":0.99925524,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.05363672226667404},{"word":"in","start":1178.66,"end":1178.8201,"confidence":0.9972191,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0417308509349823},{"word":"a","start":1178.8201,"end":1179.06,"confidence":0.5753567,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04423614591360092},{"word":"growth","start":1179.06,"end":1179.54,"confidence":0.96573377,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.023704826831817627},{"word":"portfolio","start":1179.54,"end":1180.04,"confidence":0.9986779,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.06299502402544022},{"word":"as","start":1180.26,"end":1180.42,"confidence":0.99970216,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05366180837154389},{"word":"well","start":1180.42,"end":1180.785,"confidence":0.9996965,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.04255466163158417},{"word":"for","start":1180.865,"end":1181.105,"confidence":0.9962226,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.051671117544174194},{"word":"your","start":1181.105,"end":1181.5851,"confidence":0.9992539,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09605200588703156},{"word":"superannuation","start":1181.5851,"end":1182.0851,"confidence":0.9826932,"punctuated_word":"superannuation.","sentiment":"neutral","sentiment_score":0.027902554720640182},{"word":"are","start":1183.425,"end":1183.5851,"confidence":0.9973706,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.012282632291316986},{"word":"you","start":1183.5851,"end":1183.8251,"confidence":0.99986815,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.047122642397880554},{"word":"still","start":1183.8251,"end":1184.305,"confidence":0.9997378,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.023698151111602783},{"word":"comfortable","start":1184.305,"end":1184.805,"confidence":0.9998265,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.009978406131267548},{"word":"with","start":1185.3451,"end":1185.665,"confidence":0.9999039,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.01059054583311081},{"word":"that","start":1185.665,"end":1185.985,"confidence":0.9992545,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01883898675441742},{"word":"growth","start":1185.985,"end":1186.485,"confidence":0.9992409,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.032969869673252106},{"word":"portfolio","start":1186.545,"end":1187.045,"confidence":0.8972865,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":-0.022665657103061676},{"word":"or","start":1187.3451,"end":1187.5851,"confidence":0.9990693,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.035983163863420486},{"word":"has","start":1187.5851,"end":1187.745,"confidence":0.9782427,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.02867051213979721},{"word":"your","start":1187.745,"end":1187.985,"confidence":0.9981071,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0467468723654747},{"word":"risk","start":1187.985,"end":1188.305,"confidence":0.9988254,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.062057845294475555},{"word":"tolerance","start":1188.305,"end":1188.805,"confidence":0.9908242,"punctuated_word":"tolerance","sentiment":"neutral","sentiment_score":-0.04632597416639328},{"word":"or","start":1188.865,"end":1189.025,"confidence":0.997326,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07376448065042496},{"word":"anything","start":1189.025,"end":1189.525,"confidence":0.99992573,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.05873237922787666},{"word":"changed","start":1189.5851,"end":1190.0851,"confidence":0.99861073,"punctuated_word":"changed?","sentiment":"neutral","sentiment_score":-0.13029545545578003},{"word":"no","start":1191.8251,"end":1192.3251,"confidence":0.8486292,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.23805347084999084},{"word":"yep","start":1195.52,"end":1196.02,"confidence":0.7501694,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1959766149520874},{"word":"okay","start":1196.24,"end":1196.74,"confidence":0.817858,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.5491586327552795},{"word":"perfect","start":1196.8,"end":1197.3,"confidence":0.9951813,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4423162341117859},{"word":"and","start":1197.52,"end":1197.68,"confidence":0.99646986,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3488001227378845},{"word":"you","start":1197.68,"end":1197.8401,"confidence":0.99978477,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.35564756393432617},{"word":"do","start":1197.8401,"end":1198.0,"confidence":0.99995625,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3700361251831054},{"word":"have","start":1198.0,"end":1198.16,"confidence":0.9999298,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.34558624029159546},{"word":"the","start":1198.16,"end":1198.3201,"confidence":0.9992453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22576399147510529},{"word":"time","start":1198.3201,"end":1198.56,"confidence":0.98703384,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.24085435271263125},{"word":"frame","start":1198.56,"end":1198.88,"confidence":0.999041,"punctuated_word":"frame","sentiment":"neutral","sentiment_score":0.1784413605928421},{"word":"behind","start":1198.88,"end":1199.2001,"confidence":0.9996656,"punctuated_word":"behind","sentiment":"neutral","sentiment_score":0.2567722797393799},{"word":"you","start":1199.2001,"end":1199.4401,"confidence":0.99886596,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22126680612564087},{"word":"as","start":1199.4401,"end":1199.6001,"confidence":0.9886431,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2319754660129547},{"word":"well","start":1199.6001,"end":1199.92,"confidence":0.99917895,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.2532830834388733},{"word":"in","start":1199.92,"end":1200.16,"confidence":0.9691086,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.25318610668182373},{"word":"a","start":1200.16,"end":1200.24,"confidence":0.9856537,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23334282636642456},{"word":"growth","start":1200.24,"end":1200.64,"confidence":0.98590916,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2261277437210083},{"word":"portfolio","start":1200.64,"end":1201.14,"confidence":0.9995421,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1728801280260086},{"word":"because","start":1201.2001,"end":1201.52,"confidence":0.61686903,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.2058495581150055},{"word":"typically","start":1201.52,"end":1202.02,"confidence":0.99967587,"punctuated_word":"typically,","sentiment":"neutral","sentiment_score":0.1831376999616623},{"word":"we","start":1202.0801,"end":1202.3201,"confidence":0.9996301,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16617700457572937},{"word":"say","start":1202.3201,"end":1202.8201,"confidence":0.99007964,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.1320972591638565},{"word":"you","start":1203.4401,"end":1203.6001,"confidence":0.7264468,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13714466989040375},{"word":"know","start":1203.6001,"end":1204.0,"confidence":0.99961746,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.180029958486557},{"word":"a","start":1204.0,"end":1204.16,"confidence":0.6110301,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1873014122247696},{"word":"growth","start":1204.16,"end":1204.56,"confidence":0.7987141,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.21754243969917297},{"word":"we","start":1204.56,"end":1204.7201,"confidence":0.9955701,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2039775103330612},{"word":"do","start":1204.7201,"end":1204.9601,"confidence":0.99907076,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.24105094373226169},{"word":"wanna","start":1204.9601,"end":1205.3601,"confidence":0.98560506,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2077321708202362},{"word":"see","start":1205.3601,"end":1205.8601,"confidence":0.9954181,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.18688109517097473},{"word":"ideally","start":1206.345,"end":1206.585,"confidence":0.9966679,"punctuated_word":"ideally","sentiment":"neutral","sentiment_score":0.1685546487569809},{"word":"a","start":1206.585,"end":1206.745,"confidence":0.93083555,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1422855257987976},{"word":"minimum","start":1206.745,"end":1207.145,"confidence":0.99987555,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":0.16036425530910492},{"word":"of","start":1207.145,"end":1207.385,"confidence":0.9996748,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1291370838880539},{"word":"six","start":1207.385,"end":1207.625,"confidence":0.9211099,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.11985913664102554},{"word":"years","start":1207.625,"end":1207.945,"confidence":0.9972506,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.12250415980815887},{"word":"until","start":1207.945,"end":1208.4249,"confidence":0.9906094,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.09317965060472488},{"word":"retirement","start":1208.4249,"end":1208.9249,"confidence":0.90185535,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":0.210234135389328},{"word":"making","start":1209.5449,"end":1209.785,"confidence":0.99933124,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.23967410624027252},{"word":"sure","start":1209.785,"end":1210.105,"confidence":0.8370837,"punctuated_word":"sure,","sentiment":"neutral","sentiment_score":0.2019452452659607},{"word":"obviously","start":1210.105,"end":1210.505,"confidence":0.999188,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.19960054755210876},{"word":"you","start":1210.505,"end":1210.585,"confidence":0.9998442,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17652225494384766},{"word":"have","start":1210.585,"end":1210.825,"confidence":0.99989116,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1996741145849228},{"word":"enough","start":1210.825,"end":1211.145,"confidence":0.9998834,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.1709685176610947},{"word":"time","start":1211.145,"end":1211.385,"confidence":0.99947125,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.2209305614233017},{"word":"for","start":1211.385,"end":1211.5449,"confidence":0.99984014,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.28917068243026733},{"word":"those","start":1211.5449,"end":1211.865,"confidence":0.99967456,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.19768545031547544},{"word":"ups","start":1211.865,"end":1212.025,"confidence":0.99828595,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":0.2255903333425522},{"word":"and","start":1212.025,"end":1212.1849,"confidence":0.9987814,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1422928273677826},{"word":"downs","start":1212.1849,"end":1212.4249,"confidence":0.9988005,"punctuated_word":"downs","sentiment":"neutral","sentiment_score":0.19284427165985107},{"word":"and","start":1212.4249,"end":1212.585,"confidence":0.94107,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12133815139532088},{"word":"market","start":1212.585,"end":1212.985,"confidence":0.9984913,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.1969783753156662},{"word":"fluctuations","start":1212.985,"end":1213.485,"confidence":0.8867715,"punctuated_word":"fluctuations,","sentiment":"neutral","sentiment_score":0.23020945489406583},{"word":"which","start":1213.705,"end":1213.945,"confidence":0.97971034,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.23070214688777924},{"word":"you","start":1213.945,"end":1214.105,"confidence":0.9917115,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16968944668769836},{"word":"do","start":1214.105,"end":1214.265,"confidence":0.99981433,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.14553648233413696},{"word":"have","start":1214.265,"end":1214.765,"confidence":0.92767537,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":0.05308444425463677},{"word":"and","start":1216.105,"end":1216.265,"confidence":0.9331445,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06711329519748688},{"word":"it's","start":1216.265,"end":1216.585,"confidence":0.9966395,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07167375087738037},{"word":"also","start":1216.585,"end":1216.905,"confidence":0.9953419,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.06684534251689911},{"word":"that","start":1216.905,"end":1217.145,"confidence":0.97954226,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06251746416091919},{"word":"kind","start":1217.145,"end":1217.3049,"confidence":0.99528366,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.029484443366527557},{"word":"of","start":1217.3049,"end":1217.465,"confidence":0.9998946,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03246274217963219},{"word":"eighty","start":1217.465,"end":1217.945,"confidence":0.9774001,"punctuated_word":"eighty","sentiment":"neutral","sentiment_score":0.03599599748849869},{"word":"twenty","start":1217.945,"end":1218.445,"confidence":0.49428928,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.056362513452768326},{"word":"split","start":1218.585,"end":1219.02,"confidence":0.88951445,"punctuated_word":"split.","sentiment":"neutral","sentiment_score":0.0413682758808136},{"word":"did","start":1219.98,"end":1220.14,"confidence":0.8585806,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.03547857329249382},{"word":"that","start":1220.14,"end":1220.3,"confidence":0.9916504,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.051793672144412994},{"word":"open","start":1220.3,"end":1220.62,"confidence":0.9892267,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.0381641685962677},{"word":"up","start":1220.62,"end":1221.12,"confidence":0.7819475,"punctuated_word":"up?","sentiment":"neutral","sentiment_score":0.05054066330194473},{"word":"yes","start":1222.86,"end":1223.36,"confidence":0.99534225,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08673620223999023},{"word":"yes","start":1224.38,"end":1224.88,"confidence":0.9930786,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08310119062662125},{"word":"yes","start":1250.01,"end":1250.25,"confidence":0.839381,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08070138096809387},{"word":"so","start":1250.25,"end":1250.49,"confidence":0.96455497,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1048336625099182},{"word":"exactly","start":1250.49,"end":1250.9701,"confidence":0.45582035,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.11065323650836945},{"word":"that","start":1250.9701,"end":1251.13,"confidence":0.48690286,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1048835963010788},{"word":"dividends","start":1251.13,"end":1251.6101,"confidence":0.8641376,"punctuated_word":"dividends","sentiment":"neutral","sentiment_score":0.13733915984630585},{"word":"and","start":1251.6101,"end":1251.77,"confidence":0.978795,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1832093894481659},{"word":"stuff","start":1251.77,"end":1252.01,"confidence":0.9622879,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":0.1764940470457077},{"word":"paid","start":1252.01,"end":1252.51,"confidence":0.7024852,"punctuated_word":"paid,","sentiment":"neutral","sentiment_score":0.1461074948310852},{"word":"and","start":1252.65,"end":1252.89,"confidence":0.9970086,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13782939314842224},{"word":"then","start":1252.89,"end":1253.05,"confidence":0.88476115,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09421666711568832},{"word":"growth","start":1253.05,"end":1253.37,"confidence":0.98671097,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2042911946773529},{"word":"in","start":1253.37,"end":1253.4501,"confidence":0.9439315,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1311279833316803},{"word":"the","start":1253.4501,"end":1253.6101,"confidence":0.9983602,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11221513152122498},{"word":"period","start":1253.6101,"end":1254.01,"confidence":0.6206883,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.11701464653015135},{"word":"is","start":1254.01,"end":1254.0901,"confidence":0.96616215,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1249437779188156},{"word":"obviously","start":1254.0901,"end":1254.5901,"confidence":0.87170583,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.18057824671268463},{"word":"increasing","start":1255.05,"end":1255.55,"confidence":0.96508884,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.16573035717010498},{"word":"in","start":1256.25,"end":1256.5701,"confidence":0.9881152,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09824065119028091},{"word":"prices","start":1256.5701,"end":1257.05,"confidence":0.99381256,"punctuated_word":"prices","sentiment":"neutral","sentiment_score":0.16224676370620728},{"word":"and","start":1257.05,"end":1257.2101,"confidence":0.9749355,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1770382672548294},{"word":"stuff","start":1257.2101,"end":1257.53,"confidence":0.977979,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":0.18903888761997223},{"word":"for","start":1257.53,"end":1257.6901,"confidence":0.9981712,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12424665689468384},{"word":"you","start":1257.6901,"end":1257.975,"confidence":0.9970436,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.11084454506635666},{"word":"so","start":1258.455,"end":1258.535,"confidence":0.98079944,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06430856883525848},{"word":"it","start":1258.535,"end":1258.775,"confidence":0.99848986,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0481986328959465},{"word":"kind","start":1258.775,"end":1259.015,"confidence":0.8134507,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.07854441553354263},{"word":"of","start":1259.015,"end":1259.095,"confidence":0.9994967,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07931937277317047},{"word":"breaks","start":1259.095,"end":1259.495,"confidence":0.99966896,"punctuated_word":"breaks","sentiment":"neutral","sentiment_score":0.07443998008966446},{"word":"it","start":1259.495,"end":1259.735,"confidence":0.9990245,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.055004846304655075},{"word":"down","start":1259.735,"end":1260.215,"confidence":0.8756615,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.07277579605579376},{"word":"and","start":1260.215,"end":1260.715,"confidence":0.89991856,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.06709055602550507},{"word":"typically","start":1261.095,"end":1261.595,"confidence":0.9996081,"punctuated_word":"typically,","sentiment":"neutral","sentiment_score":0.08620132505893707},{"word":"what","start":1262.2949,"end":1262.535,"confidence":0.99953866,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10965120792388916},{"word":"most","start":1262.535,"end":1262.775,"confidence":0.99990165,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.11580412089824677},{"word":"people","start":1262.775,"end":1263.095,"confidence":0.9998246,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.15424400568008423},{"word":"are","start":1263.095,"end":1263.255,"confidence":0.9994373,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09208773821592332},{"word":"interested","start":1263.255,"end":1263.655,"confidence":0.9998529,"punctuated_word":"interested","sentiment":"neutral","sentiment_score":0.10021092742681505},{"word":"in","start":1263.655,"end":1264.0549,"confidence":0.9990633,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0910688042640686},{"word":"is","start":1264.0549,"end":1264.5549,"confidence":0.99833316,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08492323756217957},{"word":"the","start":1265.255,"end":1265.575,"confidence":0.9730969,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0965871661901474},{"word":"end","start":1265.575,"end":1265.895,"confidence":0.9996706,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.08353610336780548},{"word":"value","start":1265.895,"end":1266.375,"confidence":0.9996977,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.08171162754297256},{"word":"and","start":1266.375,"end":1266.615,"confidence":0.9497524,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08833514899015427},{"word":"the","start":1266.615,"end":1266.855,"confidence":0.9994512,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0939602106809616},{"word":"start","start":1266.855,"end":1267.255,"confidence":0.9509824,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.07215993851423264},{"word":"value","start":1267.255,"end":1267.755,"confidence":0.9910478,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.08609876036643982},{"word":"and","start":1268.215,"end":1268.375,"confidence":0.8295811,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08368228375911713},{"word":"then","start":1268.375,"end":1268.855,"confidence":0.9989502,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06804569065570831},{"word":"the","start":1268.855,"end":1269.1749,"confidence":0.9904088,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08176837861537933},{"word":"internal","start":1269.1749,"end":1269.655,"confidence":0.9995165,"punctuated_word":"internal","sentiment":"neutral","sentiment_score":0.11975321173667908},{"word":"rate","start":1269.655,"end":1269.815,"confidence":0.9726475,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.11019761115312576},{"word":"of","start":1269.815,"end":1269.975,"confidence":0.99887294,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08869040757417679},{"word":"return","start":1269.975,"end":1270.475,"confidence":0.9990356,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.061886414885520935},{"word":"column","start":1270.535,"end":1270.9349,"confidence":0.98913926,"punctuated_word":"column,","sentiment":"neutral","sentiment_score":0.07578779757022858},{"word":"which","start":1270.9349,"end":1271.1749,"confidence":0.9997279,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.12553752958774567},{"word":"is","start":1271.1749,"end":1271.4149,"confidence":0.9996364,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07823490351438522},{"word":"the","start":1271.4149,"end":1271.575,"confidence":0.9984451,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08344370126724243},{"word":"second","start":1271.575,"end":1271.895,"confidence":0.99980336,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.0996425673365593},{"word":"one","start":1271.895,"end":1272.135,"confidence":0.999292,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0822676420211792},{"word":"to","start":1272.135,"end":1272.2949,"confidence":0.99957675,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07756397128105164},{"word":"the","start":1272.2949,"end":1272.455,"confidence":0.9995819,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07923180609941483},{"word":"right","start":1272.455,"end":1272.93,"confidence":0.80455065,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.10674162209033966},{"word":"because","start":1273.25,"end":1273.65,"confidence":0.9513972,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.12151814252138138},{"word":"this","start":1273.65,"end":1273.89,"confidence":0.9987876,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.13209083676338196},{"word":"one","start":1273.89,"end":1274.13,"confidence":0.99592054,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.1439909040927887},{"word":"here","start":1274.13,"end":1274.4501,"confidence":0.99708337,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.14185214042663574},{"word":"is","start":1274.4501,"end":1274.6901,"confidence":0.99851817,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12332278490066528},{"word":"the","start":1274.6901,"end":1275.01,"confidence":0.99948394,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13130569458007812},{"word":"individual","start":1275.01,"end":1275.51,"confidence":0.9995127,"punctuated_word":"individual","sentiment":"neutral","sentiment_score":0.14461912214756012},{"word":"return","start":1275.81,"end":1276.31,"confidence":0.7939194,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.1412244588136673},{"word":"of","start":1276.4501,"end":1276.77,"confidence":0.99882036,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08027549833059311},{"word":"each","start":1276.77,"end":1277.01,"confidence":0.99954814,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.12635643780231476},{"word":"of","start":1277.01,"end":1277.17,"confidence":0.99873763,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14854800701141355},{"word":"your","start":1277.17,"end":1277.5701,"confidence":0.99669206,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11470657587051392},{"word":"investments","start":1277.5701,"end":1278.0701,"confidence":0.5070868,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.07273110747337341},{"word":"and","start":1278.6901,"end":1278.8501,"confidence":0.8348572,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14414247870445251},{"word":"how","start":1278.8501,"end":1279.0901,"confidence":0.99966836,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.12754692137241364},{"word":"they","start":1279.0901,"end":1279.25,"confidence":0.9991998,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.15342745184898376},{"word":"have","start":1279.25,"end":1279.5701,"confidence":0.99743015,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13329212367534635},{"word":"performed","start":1279.5701,"end":1280.0701,"confidence":0.9891971,"punctuated_word":"performed","sentiment":"neutral","sentiment_score":0.1580681353807449},{"word":"all","start":1280.4501,"end":1280.9501,"confidence":0.99158806,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.10730103403329848},{"word":"after","start":1281.25,"end":1281.5701,"confidence":0.7618116,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.09531068056821825},{"word":"fees","start":1281.5701,"end":1282.0701,"confidence":0.7862847,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.07319724559783936},{"word":"now","start":1282.4501,"end":1282.9501,"confidence":0.99718827,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.03282806649804115},{"word":"the","start":1283.7301,"end":1283.9701,"confidence":0.74713224,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019350513815879825},{"word":"total","start":1283.9701,"end":1284.37,"confidence":0.99850094,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.026014294475317},{"word":"of","start":1284.37,"end":1284.53,"confidence":0.99830794,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.035383205860853195},{"word":"everything","start":1284.53,"end":1285.01,"confidence":0.9984876,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.0399610660970211},{"word":"as","start":1285.01,"end":1285.17,"confidence":0.91506433,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.023913010954856873},{"word":"well","start":1285.17,"end":1285.41,"confidence":0.99954623,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.02869066596031189},{"word":"doesn't","start":1285.41,"end":1285.7301,"confidence":0.95464206,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.014069723896682262},{"word":"include","start":1285.7301,"end":1286.05,"confidence":0.9994777,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.017988666892051697},{"word":"your","start":1286.05,"end":1286.29,"confidence":0.9961563,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0018374472856521609},{"word":"contributions","start":1286.29,"end":1286.79,"confidence":0.9688812,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":0.010912025347352028},{"word":"this","start":1287.0901,"end":1287.25,"confidence":0.9677711,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.0558597557246685},{"word":"is","start":1287.25,"end":1287.3301,"confidence":0.9836068,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0644143670797348},{"word":"just","start":1287.3301,"end":1287.3451,"confidence":0.96414953,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07331111282110214},{"word":"how","start":1287.3451,"end":1287.3601,"confidence":0.9433667,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.0698968693614006},{"word":"your","start":1287.3601,"end":1287.3751,"confidence":0.8647732,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0788743793964386},{"word":"investments","start":1287.3751,"end":1287.3901,"confidence":0.6919686,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.07784870266914368},{"word":"have","start":1287.3901,"end":1287.405,"confidence":0.54730874,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0985722839832306},{"word":"done","start":1287.405,"end":1287.42,"confidence":0.8680253,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.08874678611755371},{"word":"so","start":1287.42,"end":1287.435,"confidence":0.6020072,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04178670793771744},{"word":"as","start":1287.435,"end":1287.4501,"confidence":0.70586526,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05540775880217552},{"word":"you","start":1287.4501,"end":1287.4651,"confidence":0.7710362,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05204311013221741},{"word":"can","start":1287.4651,"end":1287.4801,"confidence":0.66237056,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0556851401925087},{"word":"see","start":1287.4801,"end":1287.4951,"confidence":0.7009965,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.06686143577098846},{"word":"here","start":1287.4951,"end":1287.51,"confidence":0.87381077,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.04621116071939469},{"word":"there","start":1287.51,"end":1287.525,"confidence":0.71590894,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.028159124776721},{"word":"is","start":1287.525,"end":1287.54,"confidence":0.7747309,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.015771711245179176},{"word":"a","start":1287.54,"end":1287.555,"confidence":0.78424037,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015193373896181583},{"word":"bit","start":1287.555,"end":1287.5701,"confidence":0.8088458,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.002552308142185211},{"word":"of","start":1287.5701,"end":1287.8201,"confidence":0.89354676,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.002513933926820755},{"word":"a","start":1287.8201,"end":1288.3201,"confidence":0.671708,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.002957396674901247},{"word":"so","start":1290.405,"end":1290.905,"confidence":0.6320308,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.005772456526756287},{"word":"as","start":1291.045,"end":1291.141,"confidence":0.76390123,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.022329039871692657},{"word":"you","start":1291.141,"end":1291.237,"confidence":0.8867007,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.028606515377759933},{"word":"can","start":1291.237,"end":1291.333,"confidence":0.74763346,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03237476944923401},{"word":"see","start":1291.333,"end":1291.4291,"confidence":0.7917729,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.044288817793130875},{"word":"here","start":1291.4291,"end":1291.525,"confidence":0.90676695,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.030904440209269524},{"word":"there","start":1291.525,"end":1291.765,"confidence":0.7474437,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.018142342567443848},{"word":"is","start":1291.765,"end":1291.885,"confidence":0.8611815,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.005780722945928574},{"word":"a","start":1291.885,"end":1292.005,"confidence":0.86109805,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.007338782772421837},{"word":"bit","start":1292.005,"end":1292.085,"confidence":0.9140021,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.0035030320286750793},{"word":"of","start":1292.085,"end":1292.165,"confidence":0.9029464,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.008902721107006073},{"word":"a","start":1292.165,"end":1292.485,"confidence":0.88343865,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02045604772865772},{"word":"spread","start":1292.485,"end":1292.8049,"confidence":0.81700796,"punctuated_word":"spread,","sentiment":"neutral","sentiment_score":-0.008348241448402405},{"word":"obviously","start":1292.8049,"end":1293.205,"confidence":0.86641383,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.004919379949569702},{"word":"again","start":1293.205,"end":1293.525,"confidence":0.85893637,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.021939778700470924},{"word":"because","start":1293.525,"end":1294.005,"confidence":0.9086162,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.009662043303251266},{"word":"what","start":1294.005,"end":1294.245,"confidence":0.72182906,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.039613064378499985},{"word":"is","start":1294.245,"end":1294.405,"confidence":0.9230257,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.013713330030441284},{"word":"going","start":1294.405,"end":1294.645,"confidence":0.8143727,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.0530649870634079},{"word":"on","start":1294.645,"end":1294.885,"confidence":0.89458656,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03862103447318077},{"word":"in","start":1294.885,"end":1295.125,"confidence":0.90809417,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03783779963850975},{"word":"the","start":1295.125,"end":1295.365,"confidence":0.8364594,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.035600218921899796},{"word":"market","start":1295.365,"end":1295.865,"confidence":0.8749157,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.019211024045944217},{"word":"so","start":1296.485,"end":1296.8049,"confidence":0.95228595,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06469587236642838},{"word":"as","start":1296.8049,"end":1296.965,"confidence":0.907876,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1009714901447296},{"word":"you","start":1296.965,"end":1297.205,"confidence":0.94127196,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09227096289396286},{"word":"can","start":1297.205,"end":1297.605,"confidence":0.8627823,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10285642743110655},{"word":"see","start":1297.605,"end":1297.845,"confidence":0.88034964,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.09585058689117432},{"word":"that","start":1297.845,"end":1298.245,"confidence":0.5462053,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.056831225752830505},{"word":"the","start":1298.245,"end":1298.405,"confidence":0.7609924,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07445472478866577},{"word":"ones","start":1298.405,"end":1298.645,"confidence":0.8094907,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":0.07782290875911713},{"word":"in","start":1298.645,"end":1298.885,"confidence":0.97086686,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08102144300937653},{"word":"the","start":1298.885,"end":1298.965,"confidence":0.873519,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06817789375782013},{"word":"bracket","start":1298.965,"end":1299.465,"confidence":0.7061636,"punctuated_word":"bracket,","sentiment":"neutral","sentiment_score":0.0728212296962738},{"word":"which","start":1300.085,"end":1300.325,"confidence":0.8815127,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.07328849285840988},{"word":"is","start":1300.325,"end":1300.485,"confidence":0.9603558,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0716928094625473},{"word":"your","start":1300.485,"end":1300.725,"confidence":0.96325916,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10373638570308684},{"word":"benelon","start":1300.725,"end":1301.225,"confidence":0.85461503,"punctuated_word":"Benelon","sentiment":"neutral","sentiment_score":0.07553912699222565},{"word":"australian","start":1301.285,"end":1301.785,"confidence":0.9464219,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.07879475504159927},{"word":"equity","start":1301.9249,"end":1302.4249,"confidence":0.7141502,"punctuated_word":"equity,","sentiment":"neutral","sentiment_score":0.07692766189575195},{"word":"and","start":1302.83,"end":1303.07,"confidence":0.9996711,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.059281427413225174},{"word":"then","start":1303.07,"end":1303.23,"confidence":0.9997898,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0556909516453743},{"word":"the","start":1303.23,"end":1303.63,"confidence":0.98483306,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06917429715394974},{"word":"beta","start":1303.63,"end":1304.03,"confidence":0.84459776,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.06134965270757675},{"word":"shares","start":1304.03,"end":1304.51,"confidence":0.9701175,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.02885548211634159},{"word":"live","start":1304.51,"end":1304.91,"confidence":0.37739208,"punctuated_word":"live","sentiment":"neutral","sentiment_score":0.04635407775640488},{"word":"global","start":1305.15,"end":1305.55,"confidence":0.8007929,"punctuated_word":"global","sentiment":"neutral","sentiment_score":0.054501716047525406},{"word":"cybersecurity","start":1305.55,"end":1306.05,"confidence":0.807764,"punctuated_word":"cybersecurity.","sentiment":"neutral","sentiment_score":0.052892107516527176},{"word":"now","start":1306.99,"end":1307.23,"confidence":0.87067664,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.08582904934883118},{"word":"these","start":1307.23,"end":1307.47,"confidence":0.98295677,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.0914360284805298},{"word":"are","start":1307.47,"end":1307.71,"confidence":0.994678,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05882161855697632},{"word":"the","start":1307.71,"end":1307.79,"confidence":0.9217316,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0405498743057251},{"word":"ones","start":1307.79,"end":1308.11,"confidence":0.99541414,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":0.1287711262702942},{"word":"that's","start":1308.11,"end":1308.35,"confidence":0.98145473,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.048916347324848175},{"word":"currently","start":1308.35,"end":1308.75,"confidence":0.9998598,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.1965544819831848},{"word":"down","start":1308.75,"end":1309.07,"confidence":0.99959105,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.12759093940258026},{"word":"at","start":1309.07,"end":1309.23,"confidence":0.9996567,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.10563410818576811},{"word":"the","start":1309.23,"end":1309.39,"confidence":0.99948657,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004194170236587524},{"word":"moment","start":1309.39,"end":1309.89,"confidence":0.99287796,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.035492874681949615},{"word":"the","start":1310.03,"end":1310.27,"confidence":0.999482,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.20176219940185547},{"word":"rest","start":1310.27,"end":1310.67,"confidence":0.9999081,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.2714022994041443},{"word":"are","start":1310.67,"end":1311.15,"confidence":0.9995351,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.36184895038604736},{"word":"positive","start":1311.15,"end":1311.65,"confidence":0.9967735,"punctuated_word":"positive.","sentiment":"positive","sentiment_score":0.45624840259552},{"word":"so","start":1312.99,"end":1313.49,"confidence":0.9074216,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10720711201429368},{"word":"with","start":1313.71,"end":1314.03,"confidence":0.991529,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.049013152718544006},{"word":"your","start":1314.03,"end":1314.27,"confidence":0.9997718,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.095644012093544},{"word":"portfolio","start":1314.27,"end":1314.77,"confidence":0.99984515,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.011597275733947754},{"word":"as","start":1314.99,"end":1315.23,"confidence":0.997265,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1151956245303154},{"word":"well","start":1315.23,"end":1315.73,"confidence":0.9710974,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.08470052480697632},{"word":"with","start":1316.7749,"end":1317.095,"confidence":0.9828021,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11509125679731368},{"word":"the","start":1317.095,"end":1317.495,"confidence":0.98377925,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1573949158191681},{"word":"global","start":1317.495,"end":1317.975,"confidence":0.9920002,"punctuated_word":"global","sentiment":"neutral","sentiment_score":0.08697323501110077},{"word":"cybersecurity","start":1317.975,"end":1318.475,"confidence":0.96022904,"punctuated_word":"cybersecurity,","sentiment":"neutral","sentiment_score":0.12167546153068542},{"word":"obviously","start":1318.9349,"end":1319.4349,"confidence":0.9461363,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.10039444267749786},{"word":"ai","start":1319.495,"end":1319.815,"confidence":0.9965681,"punctuated_word":"AI","sentiment":"neutral","sentiment_score":0.1284738928079605},{"word":"technology","start":1319.815,"end":1320.315,"confidence":0.954612,"punctuated_word":"technology,","sentiment":"neutral","sentiment_score":0.00550369918346405},{"word":"that","start":1320.455,"end":1320.695,"confidence":0.9993926,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02856045961380005},{"word":"space","start":1320.695,"end":1320.9349,"confidence":0.96102035,"punctuated_word":"space","sentiment":"neutral","sentiment_score":-0.13095584511756897},{"word":"is","start":1320.9349,"end":1321.095,"confidence":0.99686617,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.08067983388900757},{"word":"not","start":1321.095,"end":1321.335,"confidence":0.9997811,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.12555116415023804},{"word":"going","start":1321.335,"end":1321.575,"confidence":0.9994904,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.000669330358505249},{"word":"anywhere","start":1321.575,"end":1322.0549,"confidence":0.9993759,"punctuated_word":"anywhere","sentiment":"neutral","sentiment_score":-0.07578885555267334},{"word":"anytime","start":1322.0549,"end":1322.5549,"confidence":0.8599878,"punctuated_word":"anytime","sentiment":"neutral","sentiment_score":-0.07857047021389008},{"word":"soon","start":1322.7749,"end":1323.1749,"confidence":0.95259356,"punctuated_word":"soon.","sentiment":"neutral","sentiment_score":-0.0723554790019989},{"word":"so","start":1323.1749,"end":1323.4149,"confidence":0.99954647,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.017533928155899048},{"word":"there","start":1323.4149,"end":1323.6549,"confidence":0.9910074,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.0899038165807724},{"word":"are","start":1323.6549,"end":1324.1549,"confidence":0.9997571,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08238373696804047},{"word":"obviously","start":1324.375,"end":1324.855,"confidence":0.56198716,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.11676834523677826},{"word":"opportunities","start":1324.855,"end":1325.355,"confidence":0.9823199,"punctuated_word":"opportunities","sentiment":"neutral","sentiment_score":0.15277180075645447},{"word":"in","start":1325.4149,"end":1325.6549,"confidence":0.99974984,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15588687360286713},{"word":"this","start":1325.6549,"end":1325.8949,"confidence":0.99844116,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.10365453362464903},{"word":"space","start":1325.8949,"end":1326.1349,"confidence":0.9630222,"punctuated_word":"space,","sentiment":"neutral","sentiment_score":0.06422926485538483},{"word":"and","start":1326.1349,"end":1326.375,"confidence":0.9998161,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.029756471514701843},{"word":"it","start":1326.375,"end":1326.5349,"confidence":0.99984,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02153840661048889},{"word":"is","start":1326.5349,"end":1326.9349,"confidence":0.9998542,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03527560830116272},{"word":"more","start":1326.9349,"end":1327.2549,"confidence":0.99983764,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.07089933753013611},{"word":"of","start":1327.2549,"end":1327.495,"confidence":0.9994235,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06199580430984497},{"word":"like","start":1327.495,"end":1327.735,"confidence":0.6194955,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.0792236328125},{"word":"a","start":1327.735,"end":1328.0549,"confidence":0.9951609,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07795880734920502},{"word":"cyclical","start":1328.0549,"end":1328.5549,"confidence":0.9958737,"punctuated_word":"cyclical","sentiment":"neutral","sentiment_score":-0.07473679631948471},{"word":"trend","start":1328.855,"end":1329.335,"confidence":0.9964663,"punctuated_word":"trend","sentiment":"neutral","sentiment_score":-0.166941836476326},{"word":"wide","start":1329.335,"end":1329.6549,"confidence":0.43337432,"punctuated_word":"wide","sentiment":"neutral","sentiment_score":-0.24388018250465393},{"word":"down","start":1329.6549,"end":1330.0549,"confidence":0.9953962,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.12441040575504304},{"word":"at","start":1330.0549,"end":1330.2949,"confidence":0.9993315,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.16721120476722717},{"word":"the","start":1330.2949,"end":1330.455,"confidence":0.9994931,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09271568059921265},{"word":"moment","start":1330.455,"end":1330.955,"confidence":0.99645126,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.011215165257453918},{"word":"overall","start":1332.0599,"end":1332.5599,"confidence":0.82554615,"punctuated_word":"Overall,","sentiment":"neutral","sentiment_score":-0.21667662262916565},{"word":"kind","start":1332.62,"end":1332.78,"confidence":0.9925356,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.21554730832576752},{"word":"of","start":1332.78,"end":1333.02,"confidence":0.99994874,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.24715113639831543},{"word":"tech","start":1333.02,"end":1333.26,"confidence":0.9066666,"punctuated_word":"tech","sentiment":"neutral","sentiment_score":-0.2758442163467407},{"word":"stocks","start":1333.26,"end":1333.76,"confidence":0.9993192,"punctuated_word":"stocks","sentiment":"neutral","sentiment_score":-0.2479209005832672},{"word":"have","start":1333.9,"end":1334.22,"confidence":0.99893564,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.34752580523490906},{"word":"been","start":1334.22,"end":1334.5399,"confidence":0.9997422,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.29492270946502686},{"word":"a","start":1334.5399,"end":1334.62,"confidence":0.99985194,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2895916998386383},{"word":"little","start":1334.62,"end":1334.86,"confidence":0.99993217,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.29689234495162964},{"word":"bit","start":1334.86,"end":1335.02,"confidence":0.99934274,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.32938072085380554},{"word":"weaker","start":1335.02,"end":1335.52,"confidence":0.97192544,"punctuated_word":"weaker","sentiment":"negative","sentiment_score":-0.3676013648509979},{"word":"overall","start":1335.66,"end":1336.16,"confidence":0.95461667,"punctuated_word":"overall,","sentiment":"neutral","sentiment_score":-0.2596057057380676},{"word":"especially","start":1336.22,"end":1336.72,"confidence":0.9988992,"punctuated_word":"especially","sentiment":"neutral","sentiment_score":-0.264553040266037},{"word":"globally","start":1337.02,"end":1337.52,"confidence":0.9869181,"punctuated_word":"globally.","sentiment":"neutral","sentiment_score":-0.2938447892665863},{"word":"it's","start":1338.14,"end":1338.38,"confidence":0.9996165,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.27333343029022217},{"word":"not","start":1338.38,"end":1338.62,"confidence":0.9998884,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.28865283727645874},{"word":"something","start":1338.62,"end":1338.94,"confidence":0.999775,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.29385244846343994},{"word":"that","start":1338.94,"end":1339.1799,"confidence":0.99982834,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2868351638317108},{"word":"we","start":1339.1799,"end":1339.34,"confidence":0.9994655,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2427319586277008},{"word":"kind","start":1339.34,"end":1339.58,"confidence":0.87320316,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.2662103772163391},{"word":"of","start":1339.58,"end":1339.82,"confidence":0.99970573,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.22587671875953672},{"word":"long","start":1339.82,"end":1339.98,"confidence":0.84043217,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.292121946811676},{"word":"term","start":1339.98,"end":1340.38,"confidence":0.99872524,"punctuated_word":"term","sentiment":"neutral","sentiment_score":-0.15466824173927307},{"word":"at","start":1340.38,"end":1340.46,"confidence":0.9269978,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.23308879137039185},{"word":"the","start":1340.46,"end":1340.62,"confidence":0.99966323,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1554088592529297},{"word":"moment","start":1340.62,"end":1341.02,"confidence":0.99967563,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.14788556098937988},{"word":"are","start":1341.02,"end":1341.4199,"confidence":0.9933401,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.15213797986507416},{"word":"too","start":1341.4199,"end":1341.66,"confidence":0.98999256,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.19678685069084167},{"word":"concerned","start":1341.66,"end":1342.16,"confidence":0.99948835,"punctuated_word":"concerned","sentiment":"neutral","sentiment_score":-0.17339888215065002},{"word":"about","start":1342.22,"end":1342.46,"confidence":0.8859591,"punctuated_word":"about,","sentiment":"neutral","sentiment_score":-0.1358824074268341},{"word":"though","start":1342.46,"end":1342.86,"confidence":0.9965122,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":-0.027457788586616516},{"word":"because","start":1342.86,"end":1343.26,"confidence":0.9997663,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0494639128446579},{"word":"it","start":1343.26,"end":1343.58,"confidence":0.99840015,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17736934125423431},{"word":"is","start":1343.58,"end":1343.82,"confidence":0.9882564,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.18615537881851196},{"word":"a","start":1343.82,"end":1343.98,"confidence":0.9960393,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1898701936006546},{"word":"good","start":1343.98,"end":1344.48,"confidence":0.99974996,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2287352979183197},{"word":"stable","start":1345.525,"end":1345.845,"confidence":0.9964012,"punctuated_word":"stable","sentiment":"neutral","sentiment_score":0.2177726924419403},{"word":"investment","start":1345.845,"end":1346.345,"confidence":0.9994679,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.057706281542778015},{"word":"long","start":1346.885,"end":1347.2051,"confidence":0.9829212,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.0848953127861023},{"word":"term","start":1347.2051,"end":1347.525,"confidence":0.96212745,"punctuated_word":"term.","sentiment":"neutral","sentiment_score":0.02663154900074005},{"word":"and","start":1347.525,"end":1347.765,"confidence":0.94438076,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.12667906284332275},{"word":"obviously","start":1347.765,"end":1348.085,"confidence":0.99995244,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.11482606828212738},{"word":"there","start":1348.085,"end":1348.3251,"confidence":0.9999285,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.11037927865982056},{"word":"are","start":1348.3251,"end":1348.485,"confidence":0.99847203,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.08501502871513367},{"word":"a","start":1348.485,"end":1348.5651,"confidence":0.9942087,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12283596396446228},{"word":"lot","start":1348.5651,"end":1348.725,"confidence":0.9999093,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.08582065254449844},{"word":"of","start":1348.725,"end":1348.805,"confidence":0.99945945,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10682418942451476},{"word":"things","start":1348.805,"end":1349.2051,"confidence":0.99980706,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.13139519095420835},{"word":"in","start":1349.2051,"end":1349.365,"confidence":0.9999206,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11498591303825378},{"word":"the","start":1349.365,"end":1349.525,"confidence":0.99971515,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13256512582302094},{"word":"ai","start":1349.525,"end":1350.025,"confidence":0.9992786,"punctuated_word":"AI","sentiment":"neutral","sentiment_score":-0.04327230900526047},{"word":"space","start":1350.5651,"end":1350.885,"confidence":0.99571025,"punctuated_word":"space","sentiment":"neutral","sentiment_score":-0.19246681034564972},{"word":"at","start":1350.885,"end":1351.125,"confidence":0.999408,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1844248324632645},{"word":"the","start":1351.125,"end":1351.285,"confidence":0.9985928,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2054711878299713},{"word":"moment","start":1351.285,"end":1351.785,"confidence":0.9987454,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.15563535690307617},{"word":"you","start":1352.485,"end":1352.645,"confidence":0.79777825,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.2060442566871643},{"word":"also","start":1352.645,"end":1352.965,"confidence":0.9939203,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.22498051822185516},{"word":"wanna","start":1352.965,"end":1353.365,"confidence":0.9855468,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.2587791681289673},{"word":"avoid","start":1353.365,"end":1353.865,"confidence":0.9996749,"punctuated_word":"avoid","sentiment":"neutral","sentiment_score":-0.27270230650901794},{"word":"sometimes","start":1353.925,"end":1354.425,"confidence":0.92875284,"punctuated_word":"sometimes","sentiment":"negative","sentiment_score":-0.35688361525535583},{"word":"selling","start":1354.645,"end":1355.125,"confidence":0.99314827,"punctuated_word":"selling","sentiment":"negative","sentiment_score":-0.4511418640613556},{"word":"if","start":1355.125,"end":1355.285,"confidence":0.54633087,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.37461596727371216},{"word":"you","start":1355.285,"end":1355.4451,"confidence":0.9998822,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.3646354675292969},{"word":"believe","start":1355.4451,"end":1355.685,"confidence":0.9998375,"punctuated_word":"believe","sentiment":"negative","sentiment_score":-0.3950555622577667},{"word":"in","start":1355.685,"end":1355.925,"confidence":0.923528,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.46309664845466614},{"word":"the","start":1355.925,"end":1356.005,"confidence":0.8941568,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3965561091899872},{"word":"investment","start":1356.005,"end":1356.485,"confidence":0.9434126,"punctuated_word":"investment","sentiment":"negative","sentiment_score":-0.40534383058547974},{"word":"selling","start":1356.485,"end":1356.885,"confidence":0.5790879,"punctuated_word":"selling","sentiment":"negative","sentiment_score":-0.36076879501342773},{"word":"when","start":1356.885,"end":1357.125,"confidence":0.99089956,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.3157183527946472},{"word":"the","start":1357.125,"end":1357.2051,"confidence":0.99869317,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3694632053375244},{"word":"prices","start":1357.2051,"end":1357.685,"confidence":0.99970704,"punctuated_word":"prices","sentiment":"negative","sentiment_score":-0.4366845488548279},{"word":"are","start":1357.685,"end":1357.845,"confidence":0.9994899,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.36393049359321594},{"word":"down","start":1357.845,"end":1358.085,"confidence":0.99973434,"punctuated_word":"down","sentiment":"negative","sentiment_score":-0.3648437261581421},{"word":"because","start":1358.085,"end":1358.405,"confidence":0.70076036,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2829166352748871},{"word":"that's","start":1358.405,"end":1358.5651,"confidence":0.9967502,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.3712574243545532},{"word":"when","start":1358.5651,"end":1358.725,"confidence":0.9962903,"punctuated_word":"when","sentiment":"negative","sentiment_score":-0.33717429637908936},{"word":"you","start":1358.725,"end":1358.885,"confidence":0.9973918,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.4060998558998108},{"word":"are","start":1358.885,"end":1359.045,"confidence":0.9825466,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.39787718653678894},{"word":"crystallizing","start":1359.045,"end":1359.545,"confidence":0.8737791,"punctuated_word":"crystallizing","sentiment":"negative","sentiment_score":-0.3921801447868347},{"word":"the","start":1359.765,"end":1359.925,"confidence":0.99463344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.41799429059028625},{"word":"losses","start":1359.925,"end":1360.425,"confidence":0.8829639,"punctuated_word":"losses.","sentiment":"neutral","sentiment_score":-0.3199944794178009},{"word":"however","start":1361.68,"end":1362.18,"confidence":0.99823654,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":-0.10560791194438934},{"word":"with","start":1362.4801,"end":1362.8,"confidence":0.9824821,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1365950107574463},{"word":"the","start":1362.8,"end":1363.04,"confidence":0.9982767,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12412453442811966},{"word":"bennelong","start":1363.04,"end":1363.54,"confidence":0.8315969,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":-0.09393154084682465},{"word":"investment","start":1364.0,"end":1364.5,"confidence":0.88380575,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.07699757814407349},{"word":"can","start":1364.88,"end":1365.1201,"confidence":0.99959546,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.03756154701113701},{"word":"you","start":1365.1201,"end":1365.28,"confidence":0.99987566,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02017393708229065},{"word":"see","start":1365.28,"end":1365.4401,"confidence":0.9994234,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.03626799210906029},{"word":"that","start":1365.4401,"end":1365.6001,"confidence":0.9999262,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05429514870047569},{"word":"one","start":1365.6001,"end":1365.76,"confidence":0.9988924,"punctuated_word":"one?","sentiment":"neutral","sentiment_score":-0.09282846748828888},{"word":"that's","start":1365.76,"end":1366.0,"confidence":0.99931467,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.23575684428215027},{"word":"the","start":1366.0,"end":1366.16,"confidence":0.99549365,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.299284428358078},{"word":"one","start":1366.16,"end":1366.3201,"confidence":0.9997391,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.3336612284183502},{"word":"that's","start":1366.3201,"end":1366.56,"confidence":0.999664,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.2924479842185974},{"word":"down","start":1366.56,"end":1366.8,"confidence":0.9987557,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.2818585932254791},{"word":"the","start":1366.8,"end":1366.88,"confidence":0.9994288,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2836207151412964},{"word":"most","start":1366.88,"end":1367.38,"confidence":0.9974526,"punctuated_word":"most.","sentiment":"neutral","sentiment_score":-0.1874513328075409},{"word":"now","start":1368.8,"end":1369.3,"confidence":0.9988011,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.01640961319208145},{"word":"this","start":1369.52,"end":1369.8401,"confidence":0.99235135,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0506487637758255},{"word":"investment","start":1369.8401,"end":1370.3401,"confidence":0.9989518,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.00019089877605438232},{"word":"here","start":1370.64,"end":1371.1201,"confidence":0.99060833,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.058727800846099854},{"word":"i","start":1371.1201,"end":1371.28,"confidence":0.999824,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08250407874584198},{"word":"do","start":1371.28,"end":1371.52,"confidence":0.99991345,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07408911734819412},{"word":"want","start":1371.52,"end":1371.8401,"confidence":0.9994821,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.10206079483032228},{"word":"to","start":1371.8401,"end":1372.0801,"confidence":0.99664366,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07203942537307739},{"word":"look","start":1372.0801,"end":1372.3201,"confidence":0.99931943,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.061276987195014954},{"word":"at","start":1372.3201,"end":1372.4801,"confidence":0.998089,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06587601453065872},{"word":"reviewing","start":1372.4801,"end":1372.9801,"confidence":0.99971884,"punctuated_word":"reviewing","sentiment":"neutral","sentiment_score":0.05068906396627426},{"word":"for","start":1373.1201,"end":1373.28,"confidence":0.999113,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05533553659915924},{"word":"you","start":1373.28,"end":1373.625,"confidence":0.98654336,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.03402676433324814},{"word":"the","start":1374.425,"end":1374.585,"confidence":0.9406836,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.01523684710264206},{"word":"reason","start":1374.585,"end":1374.985,"confidence":0.99956137,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.00628860667347908},{"word":"being","start":1374.985,"end":1375.485,"confidence":0.9994455,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.009245667606592178},{"word":"is","start":1375.545,"end":1376.025,"confidence":0.9939015,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0025152042508125305},{"word":"that","start":1376.025,"end":1376.525,"confidence":0.9988888,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0007019415497779846},{"word":"the","start":1376.585,"end":1376.745,"confidence":0.9647098,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03620105981826782},{"word":"benelon","start":1376.745,"end":1377.225,"confidence":0.6220115,"punctuated_word":"Benelon","sentiment":"neutral","sentiment_score":0.036561012268066406},{"word":"australian","start":1377.225,"end":1377.625,"confidence":0.84410644,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.07123850286006927},{"word":"equity","start":1377.625,"end":1378.125,"confidence":0.7984008,"punctuated_word":"Equity,","sentiment":"neutral","sentiment_score":0.03044884279370308},{"word":"it","start":1378.185,"end":1378.345,"confidence":0.99969065,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.00041845813393592834},{"word":"is","start":1378.345,"end":1378.505,"confidence":0.9999232,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.007763735949993133},{"word":"a","start":1378.505,"end":1378.585,"confidence":0.9998323,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.00727483257651329},{"word":"little","start":1378.585,"end":1378.825,"confidence":0.99997187,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.07013007998466492},{"word":"bit","start":1378.825,"end":1379.065,"confidence":0.999728,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.0602838397026062},{"word":"different","start":1379.065,"end":1379.545,"confidence":0.9995635,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.032798830419778824},{"word":"to","start":1379.545,"end":1379.785,"confidence":0.9323343,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.00940246880054474},{"word":"your","start":1379.785,"end":1380.285,"confidence":0.999889,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.04263484105467796},{"word":"other","start":1380.345,"end":1380.745,"confidence":0.99980026,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.03504328057169914},{"word":"investments","start":1380.745,"end":1381.245,"confidence":0.5488017,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.031370192766189575},{"word":"in","start":1381.705,"end":1381.865,"confidence":0.85881615,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.017156511545181274},{"word":"that","start":1381.865,"end":1382.105,"confidence":0.9986228,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.003292284905910492},{"word":"it","start":1382.105,"end":1382.265,"confidence":0.9923165,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.003356765955686569},{"word":"is","start":1382.265,"end":1382.425,"confidence":0.99956626,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.00177643820643425},{"word":"a","start":1382.425,"end":1382.665,"confidence":0.98767054,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.008096599951386452},{"word":"managed","start":1382.665,"end":1383.165,"confidence":0.9990445,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.009232386946678162},{"word":"fund","start":1383.385,"end":1383.885,"confidence":0.95492876,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.006609385833144188},{"word":"have","start":1384.665,"end":1384.825,"confidence":0.9995555,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":-0.004931129515171051},{"word":"you","start":1384.825,"end":1384.985,"confidence":0.9997929,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0070175789296627045},{"word":"heard","start":1384.985,"end":1385.145,"confidence":0.99984705,"punctuated_word":"heard","sentiment":"neutral","sentiment_score":-0.00012411363422870636},{"word":"of","start":1385.145,"end":1385.305,"confidence":0.99846244,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01182684861123562},{"word":"that","start":1385.305,"end":1385.465,"confidence":0.9999348,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.012065190821886064},{"word":"before","start":1385.465,"end":1385.965,"confidence":0.99982977,"punctuated_word":"before?","sentiment":"neutral","sentiment_score":0.005248554050922394},{"word":"no","start":1389.9401,"end":1390.4401,"confidence":0.8973727,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.12770812213420868},{"word":"no","start":1390.7401,"end":1391.2401,"confidence":0.767621,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.12395964562892914},{"word":"sorry","start":1391.9401,"end":1392.42,"confidence":0.818117,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.0323655791580677},{"word":"how","start":1392.42,"end":1392.7401,"confidence":0.99827373,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.008245188742876053},{"word":"that","start":1392.7401,"end":1392.9,"confidence":0.9957443,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02651661261916161},{"word":"one","start":1392.9,"end":1393.14,"confidence":0.99971026,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.03026590496301651},{"word":"is","start":1393.14,"end":1393.38,"confidence":0.9995701,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.019859161227941513},{"word":"different","start":1393.38,"end":1393.88,"confidence":0.99888796,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.000804513692855835},{"word":"is","start":1394.02,"end":1394.18,"confidence":0.99815494,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.035130079835653305},{"word":"that","start":1394.18,"end":1394.68,"confidence":0.9998827,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0292159840464592},{"word":"they","start":1396.1001,"end":1396.5,"confidence":0.7765327,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.02425556629896164},{"word":"are","start":1396.5,"end":1396.7401,"confidence":0.99973685,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.01708989217877388},{"word":"a","start":1396.7401,"end":1396.8201,"confidence":0.99524385,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.018422799184918404},{"word":"managed","start":1396.8201,"end":1397.3,"confidence":0.9953253,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.015603840351104736},{"word":"fund","start":1397.3,"end":1397.7001,"confidence":0.8277195,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.041978705674409866},{"word":"and","start":1397.7001,"end":1398.02,"confidence":0.99946743,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04555438086390495},{"word":"the","start":1398.02,"end":1398.42,"confidence":0.53868425,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06257134675979614},{"word":"the","start":1398.42,"end":1398.5,"confidence":0.87450963,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06860903650522232},{"word":"purpose","start":1398.5,"end":1398.9801,"confidence":0.9987865,"punctuated_word":"purpose","sentiment":"neutral","sentiment_score":0.08540622889995575},{"word":"is","start":1398.9801,"end":1399.2201,"confidence":0.99912554,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08107874542474747},{"word":"to","start":1399.2201,"end":1399.54,"confidence":0.99924695,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07502469420433044},{"word":"actively","start":1399.54,"end":1400.04,"confidence":0.9998902,"punctuated_word":"actively","sentiment":"neutral","sentiment_score":0.13748207688331604},{"word":"buy","start":1400.3401,"end":1400.66,"confidence":0.99877566,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.10760526359081268},{"word":"and","start":1400.66,"end":1400.9,"confidence":0.9968393,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08797036111354828},{"word":"sell","start":1400.9,"end":1401.4,"confidence":0.999158,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.06924988329410553},{"word":"different","start":1401.675,"end":1401.915,"confidence":0.99797195,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.07764570415019989},{"word":"investments","start":1401.915,"end":1402.415,"confidence":0.9271147,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.02576129138469696},{"word":"in","start":1403.275,"end":1403.515,"confidence":0.9957665,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0916234329342842},{"word":"order","start":1403.515,"end":1403.8351,"confidence":0.9998547,"punctuated_word":"order","sentiment":"neutral","sentiment_score":0.052180640399456024},{"word":"to","start":1403.8351,"end":1404.0751,"confidence":0.9992348,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07546964287757874},{"word":"try","start":1404.0751,"end":1404.3151,"confidence":0.8654701,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.116441510617733},{"word":"to","start":1404.3151,"end":1404.635,"confidence":0.45594934,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1059194803237915},{"word":"outperform","start":1404.635,"end":1405.135,"confidence":0.99301696,"punctuated_word":"outperform","sentiment":"neutral","sentiment_score":0.150973379611969},{"word":"the","start":1405.515,"end":1405.755,"confidence":0.99874204,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1331099569797516},{"word":"market","start":1405.755,"end":1406.255,"confidence":0.7877593,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.05971575528383255},{"word":"whereas","start":1407.435,"end":1407.935,"confidence":0.9972494,"punctuated_word":"Whereas","sentiment":"neutral","sentiment_score":0.009594446048140526},{"word":"the","start":1408.2351,"end":1408.4751,"confidence":0.54396445,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.024080399423837665},{"word":"other","start":1408.4751,"end":1408.795,"confidence":0.99981576,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.017004508525133133},{"word":"investments","start":1408.795,"end":1409.295,"confidence":0.9985037,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.012033026665449142},{"word":"are","start":1409.5951,"end":1409.8351,"confidence":0.9982254,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.007325146347284317},{"word":"kind","start":1409.8351,"end":1409.9951,"confidence":0.99329764,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.01081019639968872},{"word":"of","start":1409.9951,"end":1410.4951,"confidence":0.9994667,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0003437213599681854},{"word":"tracking","start":1410.555,"end":1411.055,"confidence":0.9968131,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.001665022224187851},{"word":"an","start":1411.1951,"end":1411.515,"confidence":0.95712376,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.00615084171295166},{"word":"index","start":1411.515,"end":1412.015,"confidence":0.9960581,"punctuated_word":"index.","sentiment":"neutral","sentiment_score":-0.005021195858716965},{"word":"so","start":1412.795,"end":1413.295,"confidence":0.9981187,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.042443111538887024},{"word":"for","start":1413.435,"end":1413.755,"confidence":0.6187416,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05728726089000702},{"word":"example","start":1413.755,"end":1414.255,"confidence":0.9970331,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":0.06466010212898254},{"word":"ishares","start":1414.635,"end":1415.1151,"confidence":0.9460983,"punctuated_word":"iShares","sentiment":"neutral","sentiment_score":0.09535100311040878},{"word":"s","start":1415.1151,"end":1415.275,"confidence":0.6893423,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.08051487058401108},{"word":"and","start":1415.275,"end":1415.435,"confidence":0.9580292,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05719588324427605},{"word":"p","start":1415.435,"end":1415.675,"confidence":0.9986191,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.06306146085262299},{"word":"500","start":1415.675,"end":1416.3151,"confidence":0.99896276,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.07329419255256653},{"word":"is","start":1416.3151,"end":1416.395,"confidence":0.60900706,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05518341064453125},{"word":"to","start":1416.395,"end":1416.63,"confidence":0.62996334,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05231942981481552},{"word":"kinda","start":1416.79,"end":1417.11,"confidence":0.68619096,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.04928117245435715},{"word":"compare","start":1417.11,"end":1417.61,"confidence":0.96180606,"punctuated_word":"compare,","sentiment":"neutral","sentiment_score":0.05379477143287659},{"word":"which","start":1418.07,"end":1418.31,"confidence":0.99887747,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.060977205634117126},{"word":"is","start":1418.31,"end":1418.55,"confidence":0.99609715,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04537303000688553},{"word":"the","start":1418.55,"end":1418.71,"confidence":0.8284145,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05423552542924881},{"word":"one","start":1418.71,"end":1419.11,"confidence":0.9995695,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.05189073458313942},{"word":"at","start":1419.11,"end":1419.35,"confidence":0.9995192,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05512194335460663},{"word":"the","start":1419.35,"end":1419.51,"confidence":0.9994148,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05890268832445145},{"word":"bottom","start":1419.51,"end":1419.99,"confidence":0.976486,"punctuated_word":"bottom,","sentiment":"neutral","sentiment_score":0.04429347813129425},{"word":"which","start":1419.99,"end":1420.23,"confidence":0.99873585,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.03839205950498581},{"word":"it","start":1420.23,"end":1420.39,"confidence":0.7190659,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03013727255165577},{"word":"says","start":1420.39,"end":1420.87,"confidence":0.99888176,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.020077770575881004},{"word":"i","start":1420.87,"end":1421.1901,"confidence":0.4041839,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.030392415821552277},{"word":"b","start":1421.1901,"end":1421.51,"confidence":0.27410066,"punctuated_word":"b","sentiment":"neutral","sentiment_score":0.026802968233823776},{"word":"b","start":1421.51,"end":1422.01,"confidence":0.83262014,"punctuated_word":"b.","sentiment":"neutral","sentiment_score":0.022150222212076187},{"word":"now","start":1422.39,"end":1422.63,"confidence":0.99875486,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.051241036504507065},{"word":"this","start":1422.63,"end":1422.87,"confidence":0.99075305,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.06614691764116287},{"word":"one","start":1422.87,"end":1423.27,"confidence":0.9986461,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.07567983865737915},{"word":"here","start":1423.27,"end":1423.77,"confidence":0.87663794,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.0859280377626419},{"word":"to","start":1424.07,"end":1424.23,"confidence":0.76777565,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07941548526287079},{"word":"kinda","start":1424.23,"end":1424.55,"confidence":0.7960138,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.09907183796167374},{"word":"simplify","start":1424.55,"end":1425.03,"confidence":0.9844206,"punctuated_word":"simplify","sentiment":"neutral","sentiment_score":0.0784974992275238},{"word":"it","start":1425.03,"end":1425.53,"confidence":0.9642498,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.07255557924509048},{"word":"it","start":1426.31,"end":1426.55,"confidence":0.90361375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06192244589328766},{"word":"invests","start":1426.55,"end":1427.03,"confidence":0.93730426,"punctuated_word":"invests","sentiment":"neutral","sentiment_score":0.055274028331041336},{"word":"in","start":1427.03,"end":1427.27,"confidence":0.999469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08172673732042313},{"word":"the","start":1427.27,"end":1427.51,"confidence":0.9926388,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06879128515720367},{"word":"500","start":1427.51,"end":1428.23,"confidence":0.99978495,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.055851634591817856},{"word":"largest","start":1428.23,"end":1428.73,"confidence":0.99907637,"punctuated_word":"largest","sentiment":"neutral","sentiment_score":0.08119042962789536},{"word":"companies","start":1428.87,"end":1429.37,"confidence":0.9990765,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.07758933305740356},{"word":"listed","start":1429.59,"end":1430.09,"confidence":0.9998435,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.10188597440719604},{"word":"on","start":1430.15,"end":1430.39,"confidence":0.9987949,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08332643657922745},{"word":"in","start":1430.55,"end":1430.71,"confidence":0.99991024,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07550281286239624},{"word":"the","start":1430.71,"end":1430.95,"confidence":0.9997274,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.06724219769239426},{"word":"us","start":1430.95,"end":1431.45,"confidence":0.9956695,"punctuated_word":"US.","sentiment":"neutral","sentiment_score":0.0738598108291626},{"word":"so","start":1431.925,"end":1432.0851,"confidence":0.9982778,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09035936743021011},{"word":"as","start":1432.0851,"end":1432.245,"confidence":0.9995179,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12701848149299622},{"word":"a","start":1432.245,"end":1432.405,"confidence":0.6091481,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12954729795455933},{"word":"company","start":1432.405,"end":1432.805,"confidence":0.9999552,"punctuated_word":"company","sentiment":"neutral","sentiment_score":0.111918643116951},{"word":"grows","start":1432.805,"end":1433.045,"confidence":0.98966825,"punctuated_word":"grows","sentiment":"neutral","sentiment_score":0.1411061733961105},{"word":"and","start":1433.045,"end":1433.2051,"confidence":0.9516205,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1164575293660164},{"word":"you","start":1433.2051,"end":1433.365,"confidence":0.9994659,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10011379420757294},{"word":"get","start":1433.365,"end":1433.605,"confidence":0.98357403,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.09975185990333556},{"word":"in","start":1433.605,"end":1433.765,"confidence":0.8101637,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08341548591852188},{"word":"through","start":1433.765,"end":1434.0851,"confidence":0.9973015,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0871436595916748},{"word":"those","start":1434.0851,"end":1434.3251,"confidence":0.9996667,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.0692482739686966},{"word":"500","start":1434.3251,"end":1434.885,"confidence":0.9999286,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.07362852990627289},{"word":"biggest","start":1434.885,"end":1435.285,"confidence":0.99941313,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":0.10636576265096664},{"word":"companies","start":1435.285,"end":1435.785,"confidence":0.9991591,"punctuated_word":"companies,","sentiment":"neutral","sentiment_score":0.07966238260269165},{"word":"it","start":1435.845,"end":1436.005,"confidence":0.8316372,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0907563641667366},{"word":"gets","start":1436.005,"end":1436.245,"confidence":0.97631955,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.0940578430891037},{"word":"added","start":1436.245,"end":1436.405,"confidence":0.9989838,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.10096988081932068},{"word":"to","start":1436.405,"end":1436.645,"confidence":0.9982938,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11402300000190736},{"word":"the","start":1436.645,"end":1436.805,"confidence":0.9963636,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08036218583583832},{"word":"investments","start":1436.805,"end":1437.285,"confidence":0.6519402,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.06049508601427078},{"word":"and","start":1437.285,"end":1437.4451,"confidence":0.99133146,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08401874452829361},{"word":"as","start":1437.4451,"end":1437.605,"confidence":0.6394677,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08674651384353638},{"word":"something","start":1437.605,"end":1437.925,"confidence":0.9982488,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.0987708643078804},{"word":"gets","start":1437.925,"end":1438.165,"confidence":0.97869086,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.11164703965187071},{"word":"smaller","start":1438.165,"end":1438.485,"confidence":0.9984008,"punctuated_word":"smaller,","sentiment":"neutral","sentiment_score":0.08044030517339706},{"word":"it","start":1438.485,"end":1438.645,"confidence":0.99975294,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09530441462993622},{"word":"comes","start":1438.645,"end":1438.885,"confidence":0.9993123,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.09678912162780762},{"word":"out","start":1438.885,"end":1439.285,"confidence":0.9860289,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.07245633751153946},{"word":"so","start":1439.285,"end":1439.525,"confidence":0.94110274,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10636840760707857},{"word":"you","start":1439.525,"end":1439.685,"confidence":0.9971771,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1233660951256752},{"word":"basically","start":1439.685,"end":1440.165,"confidence":0.9278206,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.1084013432264328},{"word":"just","start":1440.165,"end":1440.405,"confidence":0.9958538,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10883736610412598},{"word":"track","start":1440.405,"end":1440.885,"confidence":0.9511108,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.14315298199653623},{"word":"the","start":1440.885,"end":1441.125,"confidence":0.99015594,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2075256705284119},{"word":"the","start":1441.125,"end":1441.285,"confidence":0.99133414,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1764155626296997},{"word":"500","start":1441.285,"end":1441.845,"confidence":0.9992528,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.1558871567249298},{"word":"biggest","start":1441.845,"end":1442.3251,"confidence":0.9996842,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":0.17173892259597778},{"word":"companies","start":1442.3251,"end":1442.725,"confidence":0.9872288,"punctuated_word":"companies,","sentiment":"neutral","sentiment_score":0.15820124745368958},{"word":"which","start":1442.725,"end":1442.965,"confidence":0.99641705,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.1567862629890442},{"word":"is","start":1442.965,"end":1443.125,"confidence":0.78825045,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16755591332912445},{"word":"obviously","start":1443.125,"end":1443.4451,"confidence":0.92698306,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.1852114349603653},{"word":"a","start":1443.4451,"end":1443.605,"confidence":0.99512744,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21538788080215457},{"word":"lot","start":1443.605,"end":1443.765,"confidence":0.59949857,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.22836922109127045},{"word":"of","start":1443.765,"end":1443.845,"confidence":0.9983956,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22526179254055023},{"word":"growth","start":1443.845,"end":1444.245,"confidence":0.99551684,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2174108326435089},{"word":"opportunities","start":1444.245,"end":1444.745,"confidence":0.9970759,"punctuated_word":"opportunities","sentiment":"neutral","sentiment_score":0.2353042364120483},{"word":"in","start":1444.965,"end":1445.125,"confidence":0.99989116,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20142653584480288},{"word":"the","start":1445.125,"end":1445.365,"confidence":0.9998355,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.09358684718608856},{"word":"us","start":1445.365,"end":1445.685,"confidence":0.99971324,"punctuated_word":"US","sentiment":"neutral","sentiment_score":0.15850934386253357},{"word":"space","start":1445.685,"end":1446.005,"confidence":0.50165796,"punctuated_word":"space","sentiment":"neutral","sentiment_score":0.1892922520637512},{"word":"in","start":1446.005,"end":1446.245,"confidence":0.99778533,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16113783419132233},{"word":"that","start":1446.245,"end":1446.405,"confidence":0.99991846,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13509124517440796},{"word":"way","start":1446.405,"end":1446.81,"confidence":0.99288857,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.1253928691148758},{"word":"so","start":1447.13,"end":1447.3701,"confidence":0.9851791,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0928286910057068},{"word":"you","start":1447.3701,"end":1447.53,"confidence":0.99956673,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11208723485469818},{"word":"don't","start":1447.53,"end":1447.77,"confidence":0.99995685,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.08658218383789062},{"word":"need","start":1447.77,"end":1448.01,"confidence":0.99977046,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.0411207303404808},{"word":"as","start":1448.01,"end":1448.17,"confidence":0.9671903,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.01900600641965866},{"word":"much","start":1448.17,"end":1448.5701,"confidence":0.9992472,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.03627806901931763},{"word":"co","start":1448.5701,"end":1448.65,"confidence":0.5008109,"punctuated_word":"co","sentiment":"neutral","sentiment_score":-0.0055402591824531555},{"word":"kind","start":1448.7301,"end":1449.05,"confidence":0.9979372,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.003638125956058502},{"word":"of","start":1449.05,"end":1449.55,"confidence":0.9992292,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0012324824929237366},{"word":"research","start":1449.6901,"end":1450.17,"confidence":0.99672014,"punctuated_word":"research","sentiment":"neutral","sentiment_score":-0.004581905901432037},{"word":"or","start":1450.17,"end":1450.3301,"confidence":0.79602647,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.00010552257299423218},{"word":"actively","start":1450.3301,"end":1450.81,"confidence":0.9999304,"punctuated_word":"actively","sentiment":"neutral","sentiment_score":0.07720980793237686},{"word":"buying","start":1450.81,"end":1451.13,"confidence":0.9998203,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.05442902445793152},{"word":"and","start":1451.13,"end":1451.3701,"confidence":0.9984534,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.034387946128845215},{"word":"selling","start":1451.3701,"end":1451.6901,"confidence":0.92886126,"punctuated_word":"selling,","sentiment":"neutral","sentiment_score":0.0464412234723568},{"word":"which","start":1451.6901,"end":1451.93,"confidence":0.9998734,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.009614400565624235},{"word":"can","start":1451.93,"end":1452.3301,"confidence":0.9996426,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.009974375367164612},{"word":"trigger","start":1452.3301,"end":1452.8301,"confidence":0.99797755,"punctuated_word":"trigger","sentiment":"neutral","sentiment_score":0.09403346478939056},{"word":"capital","start":1452.89,"end":1453.29,"confidence":0.99359435,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.005527108907699585},{"word":"gains","start":1453.29,"end":1453.6901,"confidence":0.9541838,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.024482116103172306},{"word":"tax","start":1453.6901,"end":1454.0901,"confidence":0.9916843,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.07230467349290848},{"word":"for","start":1454.0901,"end":1454.3301,"confidence":0.9831202,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07641933858394623},{"word":"these","start":1454.3301,"end":1454.5701,"confidence":0.9969559,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.02876054495573044},{"word":"investments","start":1454.5701,"end":1455.0701,"confidence":0.9888146,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.026698805391788483},{"word":"so","start":1455.2101,"end":1455.7101,"confidence":0.99727935,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08489007502794266},{"word":"then","start":1456.0901,"end":1456.3301,"confidence":0.5149075,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.102813720703125},{"word":"along","start":1456.3301,"end":1456.65,"confidence":0.9095129,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.11349531263113022},{"word":"was","start":1456.65,"end":1456.89,"confidence":0.9095471,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.1529436856508255},{"word":"added","start":1456.89,"end":1457.13,"confidence":0.9996846,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.1514047086238861},{"word":"to","start":1457.13,"end":1457.3701,"confidence":0.919482,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18113023042678833},{"word":"the","start":1457.3701,"end":1457.53,"confidence":0.9977374,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1508287489414215},{"word":"portfolio","start":1457.53,"end":1458.03,"confidence":0.9916477,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.07357259094715118},{"word":"to","start":1458.17,"end":1458.3301,"confidence":0.9987876,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1440920531749725},{"word":"give","start":1458.3301,"end":1458.5701,"confidence":0.99984133,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.12080390006303789},{"word":"you","start":1458.5701,"end":1458.7301,"confidence":0.9998542,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1466505080461502},{"word":"that","start":1458.7301,"end":1458.89,"confidence":0.9996666,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14326970279216766},{"word":"kind","start":1458.89,"end":1459.05,"confidence":0.99845946,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.12472319602966309},{"word":"of","start":1459.05,"end":1459.29,"confidence":0.9997466,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17690640687942505},{"word":"active","start":1459.29,"end":1459.77,"confidence":0.99965405,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.18997801840305328},{"word":"component","start":1459.77,"end":1460.27,"confidence":0.88762873,"punctuated_word":"component,","sentiment":"neutral","sentiment_score":0.2373383492231369},{"word":"which","start":1461.405,"end":1461.645,"confidence":0.9680301,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.2070815861225128},{"word":"does","start":1461.645,"end":1462.145,"confidence":0.99788505,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.15087425708770752},{"word":"trying","start":1462.285,"end":1462.6051,"confidence":0.6208964,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.23460319638252256},{"word":"to","start":1462.6051,"end":1462.8451,"confidence":0.9987179,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20353828370571136},{"word":"outperform","start":1462.8451,"end":1463.3451,"confidence":0.9987958,"punctuated_word":"outperform","sentiment":"neutral","sentiment_score":0.21494245529174805},{"word":"the","start":1463.4851,"end":1463.7251,"confidence":0.9995047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1989782750606537},{"word":"market","start":1463.7251,"end":1464.2051,"confidence":0.99984217,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.1750304400920868},{"word":"by","start":1464.2051,"end":1464.525,"confidence":0.9989963,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.099655419588089},{"word":"buying","start":1464.525,"end":1464.8451,"confidence":0.9999331,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.1271604299545288},{"word":"and","start":1464.8451,"end":1465.005,"confidence":0.99973816,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08854678273200989},{"word":"selling","start":1465.005,"end":1465.4851,"confidence":0.99994075,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.10141349583864212},{"word":"more","start":1465.4851,"end":1465.805,"confidence":0.9998486,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.08893698453903198},{"word":"frequently","start":1465.805,"end":1466.305,"confidence":0.99849474,"punctuated_word":"frequently.","sentiment":"neutral","sentiment_score":0.08745165169239044},{"word":"now","start":1467.5651,"end":1467.9651,"confidence":0.9032001,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.2450143396854401},{"word":"at","start":1467.9651,"end":1468.125,"confidence":0.96255225,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.3282832205295563},{"word":"the","start":1468.125,"end":1468.285,"confidence":0.63150716,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34519001841545105},{"word":"time","start":1468.285,"end":1468.525,"confidence":0.9997391,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.31473472714424133},{"word":"when","start":1468.525,"end":1468.685,"confidence":0.80211574,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.32505014538764954},{"word":"it","start":1468.685,"end":1468.8451,"confidence":0.9518938,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.37769368290901184},{"word":"was","start":1468.8451,"end":1469.005,"confidence":0.9997358,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.3709900081157684},{"word":"added","start":1469.005,"end":1469.3251,"confidence":0.9998801,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.3332909345626831},{"word":"to","start":1469.3251,"end":1469.4851,"confidence":0.97652286,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.34372657537460327},{"word":"your","start":1469.4851,"end":1469.7251,"confidence":0.9998041,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3312532305717468},{"word":"portfolio","start":1469.7251,"end":1470.2051,"confidence":0.99934536,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1619642972946167},{"word":"as","start":1470.2051,"end":1470.3651,"confidence":0.90138066,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.32592692971229553},{"word":"well","start":1470.3651,"end":1470.4451,"confidence":0.9971888,"punctuated_word":"well,","sentiment":"positive","sentiment_score":0.36085307598114014},{"word":"it","start":1470.4451,"end":1470.6051,"confidence":0.9982078,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4523523151874542},{"word":"was","start":1470.6051,"end":1470.765,"confidence":0.9999201,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.3891424834728241},{"word":"one","start":1470.765,"end":1470.925,"confidence":0.99977034,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.43250223994255066},{"word":"of","start":1470.925,"end":1471.0851,"confidence":0.99969137,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4324012398719787},{"word":"their","start":1471.0851,"end":1471.2451,"confidence":0.88081026,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.29672035574913025},{"word":"best","start":1471.2451,"end":1471.5651,"confidence":0.9997669,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.3952798843383789},{"word":"performing","start":1471.5651,"end":1472.0651,"confidence":0.9991928,"punctuated_word":"performing","sentiment":"positive","sentiment_score":0.37143221497535706},{"word":"fund","start":1472.125,"end":1472.4451,"confidence":0.8949203,"punctuated_word":"fund","sentiment":"positive","sentiment_score":0.3579547703266144},{"word":"managers","start":1472.4451,"end":1472.765,"confidence":0.94081676,"punctuated_word":"managers,","sentiment":"positive","sentiment_score":0.36083170771598816},{"word":"and","start":1472.765,"end":1472.925,"confidence":0.9997621,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.30133652687072754},{"word":"they","start":1472.925,"end":1473.0851,"confidence":0.99254274,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.3298873007297516},{"word":"had","start":1473.0851,"end":1473.3251,"confidence":0.95129436,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.38299140334129333},{"word":"performed","start":1473.3251,"end":1473.8251,"confidence":0.99819845,"punctuated_word":"performed","sentiment":"positive","sentiment_score":0.3415064811706543},{"word":"really","start":1473.885,"end":1474.285,"confidence":0.9996656,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.4087744057178498},{"word":"well","start":1474.285,"end":1474.785,"confidence":0.99893993,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.3100614547729492},{"word":"more","start":1475.59,"end":1475.99,"confidence":0.95495266,"punctuated_word":"More","sentiment":"neutral","sentiment_score":0.1642453968524933},{"word":"recently","start":1475.99,"end":1476.49,"confidence":0.9955824,"punctuated_word":"recently,","sentiment":"neutral","sentiment_score":0.2256898134946823},{"word":"they","start":1477.0299,"end":1477.2699,"confidence":0.9996238,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.25569844245910645},{"word":"have","start":1477.2699,"end":1477.6699,"confidence":0.99925905,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2584764361381531},{"word":"underperformed","start":1477.6699,"end":1478.1699,"confidence":0.9294548,"punctuated_word":"underperformed,","sentiment":"neutral","sentiment_score":0.29484254121780396},{"word":"which","start":1478.3099,"end":1478.5499,"confidence":0.93670005,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.25514572858810425},{"word":"you","start":1478.5499,"end":1478.71,"confidence":0.99864525,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25432276725769043},{"word":"can","start":1478.71,"end":1479.0299,"confidence":0.99988914,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2315807342529297},{"word":"see","start":1479.0299,"end":1479.35,"confidence":0.9945679,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.21100614964962008},{"word":"here","start":1479.35,"end":1479.85,"confidence":0.9990462,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.15671131014823914},{"word":"there","start":1480.07,"end":1480.23,"confidence":0.95780975,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.051650919020175934},{"word":"are","start":1480.23,"end":1480.47,"confidence":0.9921858,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.076141357421875},{"word":"a","start":1480.47,"end":1480.5499,"confidence":0.97584426,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06973816454410553},{"word":"couple","start":1480.5499,"end":1480.87,"confidence":0.99978703,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.08828922361135483},{"word":"of","start":1480.87,"end":1481.11,"confidence":0.99935275,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10069119930267334},{"word":"reasons","start":1481.11,"end":1481.61,"confidence":0.99946445,"punctuated_word":"reasons","sentiment":"neutral","sentiment_score":-0.08027753978967667},{"word":"why","start":1481.83,"end":1482.33,"confidence":0.9997404,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.06225622445344925},{"word":"we","start":1482.3899,"end":1482.71,"confidence":0.9998884,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.05474689230322838},{"word":"look","start":1482.71,"end":1483.11,"confidence":0.708031,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.06988798081874847},{"word":"through","start":1483.11,"end":1483.35,"confidence":0.97421545,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.08622871339321136},{"word":"we","start":1484.1499,"end":1484.3099,"confidence":0.991638,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.059852927923202515},{"word":"want","start":1484.3099,"end":1484.6299,"confidence":0.8599809,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.06153272837400437},{"word":"to","start":1484.6299,"end":1484.95,"confidence":0.91482186,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07088667899370193},{"word":"look","start":1484.95,"end":1485.19,"confidence":0.9886932,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.06969375908374786},{"word":"at","start":1485.19,"end":1485.35,"confidence":0.99649733,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.09114345163106918},{"word":"reviewing","start":1485.35,"end":1485.75,"confidence":0.93964696,"punctuated_word":"reviewing","sentiment":"neutral","sentiment_score":-0.03033040463924408},{"word":"the","start":1485.75,"end":1485.99,"confidence":0.99621034,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07094120234251022},{"word":"portfolio","start":1485.99,"end":1486.3899,"confidence":0.9996511,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.09229891002178192},{"word":"and","start":1486.3899,"end":1486.5499,"confidence":0.9838779,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06594257056713104},{"word":"potentially","start":1486.5499,"end":1487.0499,"confidence":0.9843795,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":-0.07681956887245178},{"word":"swap","start":1487.19,"end":1487.4299,"confidence":0.5652424,"punctuated_word":"swap","sentiment":"neutral","sentiment_score":-0.05881302058696747},{"word":"that","start":1487.4299,"end":1487.59,"confidence":0.9987789,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06877674907445908},{"word":"out","start":1487.59,"end":1487.83,"confidence":0.9991001,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.07876503467559814},{"word":"if","start":1487.83,"end":1487.99,"confidence":0.9641913,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07715050131082535},{"word":"we","start":1487.99,"end":1488.07,"confidence":0.9997458,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.04654175043106079},{"word":"can","start":1488.07,"end":1488.3099,"confidence":0.99977916,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.07623579353094101},{"word":"find","start":1488.3099,"end":1488.5499,"confidence":0.99917465,"punctuated_word":"find","sentiment":"neutral","sentiment_score":-0.05595158785581589},{"word":"something","start":1488.5499,"end":1488.87,"confidence":0.99947244,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.09246984124183656},{"word":"else","start":1488.87,"end":1489.37,"confidence":0.88187206,"punctuated_word":"else.","sentiment":"neutral","sentiment_score":-0.0742480605840683},{"word":"is","start":1489.83,"end":1490.1499,"confidence":0.9864296,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.06498200446367264},{"word":"that","start":1490.1499,"end":1490.3899,"confidence":0.99938846,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06720894575119019},{"word":"because","start":1490.3899,"end":1490.8899,"confidence":0.8233938,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.06144032999873161},{"word":"if","start":1491.455,"end":1491.615,"confidence":0.9983955,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.10974729806184769},{"word":"you","start":1491.615,"end":1491.855,"confidence":0.99980587,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09230639785528184},{"word":"are","start":1491.855,"end":1492.015,"confidence":0.39072192,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.11379864811897278},{"word":"paying","start":1492.015,"end":1492.415,"confidence":0.9997818,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.15977203845977783},{"word":"to","start":1492.415,"end":1492.655,"confidence":0.9647688,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12069392204284668},{"word":"have","start":1492.655,"end":1492.895,"confidence":0.9998141,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.10276348888874054},{"word":"someone","start":1492.895,"end":1493.295,"confidence":0.99950624,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":-0.07866180688142776},{"word":"actively","start":1493.295,"end":1493.775,"confidence":0.99991333,"punctuated_word":"actively","sentiment":"neutral","sentiment_score":-0.03467946499586105},{"word":"buying","start":1493.775,"end":1494.015,"confidence":0.9998733,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":-0.03630740940570831},{"word":"and","start":1494.015,"end":1494.175,"confidence":0.99699414,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10261593759059906},{"word":"selling","start":1494.175,"end":1494.495,"confidence":0.99993813,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":-0.061833374202251434},{"word":"during","start":1494.495,"end":1494.8151,"confidence":0.38399497,"punctuated_word":"during","sentiment":"neutral","sentiment_score":-0.060716792941093445},{"word":"the","start":1494.8151,"end":1495.055,"confidence":0.99706584,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08438846468925476},{"word":"research","start":1495.055,"end":1495.375,"confidence":0.975844,"punctuated_word":"research,","sentiment":"neutral","sentiment_score":-0.10080809891223907},{"word":"you","start":1495.375,"end":1495.535,"confidence":0.9983216,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12967878580093384},{"word":"wanted","start":1495.535,"end":1495.855,"confidence":0.7039921,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.06776866316795349},{"word":"to","start":1495.855,"end":1496.015,"confidence":0.9972492,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0471920445561409},{"word":"outperform","start":1496.015,"end":1496.495,"confidence":0.9562004,"punctuated_word":"outperform.","sentiment":"neutral","sentiment_score":-0.012859832495450974},{"word":"and","start":1496.495,"end":1496.655,"confidence":0.9987664,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.12819324433803558},{"word":"if","start":1496.655,"end":1496.8151,"confidence":0.9994541,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.15610092878341675},{"word":"it's","start":1496.8151,"end":1496.975,"confidence":0.9991674,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.15323370695114136},{"word":"not","start":1496.975,"end":1497.295,"confidence":0.9997693,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1469210833311081},{"word":"outperforming","start":1497.295,"end":1497.795,"confidence":0.9931178,"punctuated_word":"outperforming,","sentiment":"neutral","sentiment_score":-0.13466839492321014},{"word":"then","start":1498.015,"end":1498.335,"confidence":0.99957496,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.10818615555763245},{"word":"why","start":1498.335,"end":1498.495,"confidence":0.9993042,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.18091526627540588},{"word":"are","start":1498.495,"end":1498.575,"confidence":0.95466685,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.1949838250875473},{"word":"you","start":1498.575,"end":1498.735,"confidence":0.9983015,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1862952560186386},{"word":"paying","start":1498.735,"end":1499.055,"confidence":0.9933629,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.23161152005195615},{"word":"a","start":1499.055,"end":1499.135,"confidence":0.99966705,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.23797975480556488},{"word":"little","start":1499.135,"end":1499.295,"confidence":0.9999677,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.25207868218421936},{"word":"bit","start":1499.295,"end":1499.535,"confidence":0.99953115,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.27911344170570374},{"word":"of","start":1499.535,"end":1499.615,"confidence":0.9909407,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3345191776752472},{"word":"extra","start":1499.615,"end":1499.935,"confidence":0.999828,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.3276628255844116},{"word":"for","start":1499.935,"end":1500.435,"confidence":0.9948067,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.2152215540409088},{"word":"it","start":1500.495,"end":1500.745,"confidence":0.9174845,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.18962301313877103},{"word":"essentially","start":1500.745,"end":1501.245,"confidence":0.976238,"punctuated_word":"essentially?","sentiment":"neutral","sentiment_score":-0.15085378289222717},{"word":"exact","start":1503.7101,"end":1504.2101,"confidence":0.91266084,"punctuated_word":"Exact","sentiment":"neutral","sentiment_score":-0.2651541233062744},{"word":"exactly","start":1504.8301,"end":1505.3301,"confidence":0.9921483,"punctuated_word":"exactly.","sentiment":"neutral","sentiment_score":-0.14673957228660583},{"word":"now","start":1505.9501,"end":1506.27,"confidence":0.85401094,"punctuated_word":"Now,","sentiment":"neutral","sentiment_score":-0.20953688025474548},{"word":"also","start":1506.27,"end":1506.59,"confidence":0.9985386,"punctuated_word":"also,","sentiment":"neutral","sentiment_score":-0.2335984855890274},{"word":"they","start":1506.59,"end":1506.91,"confidence":0.999858,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.29872578382492065},{"word":"have","start":1506.91,"end":1507.15,"confidence":0.99951494,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.3185076117515564},{"word":"made","start":1507.15,"end":1507.31,"confidence":0.9998388,"punctuated_word":"made","sentiment":"neutral","sentiment_score":-0.30650702118873596},{"word":"a","start":1507.31,"end":1507.39,"confidence":0.99957186,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.28969961404800415},{"word":"couple","start":1507.39,"end":1507.7101,"confidence":0.9999273,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.2775104343891144},{"word":"of","start":1507.7101,"end":1508.2101,"confidence":0.99924445,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.28663522005081177},{"word":"calls","start":1508.91,"end":1509.31,"confidence":0.75381184,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":-0.2832811772823334},{"word":"on","start":1509.31,"end":1509.55,"confidence":0.99986875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2295912355184555},{"word":"different","start":1509.55,"end":1509.87,"confidence":0.9998648,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.2736349403858185},{"word":"investments","start":1509.87,"end":1510.37,"confidence":0.9987914,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.19902828335762024},{"word":"that","start":1510.43,"end":1510.59,"confidence":0.9984665,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.22376546263694763},{"word":"haven't","start":1510.59,"end":1510.99,"confidence":0.9979217,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.2536342144012451},{"word":"played","start":1510.99,"end":1511.31,"confidence":0.88739127,"punctuated_word":"played","sentiment":"neutral","sentiment_score":-0.29559510946273804},{"word":"off","start":1511.31,"end":1511.63,"confidence":0.99758005,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.30760490894317627},{"word":"recently","start":1511.63,"end":1512.11,"confidence":0.9654467,"punctuated_word":"recently,","sentiment":"neutral","sentiment_score":-0.29302412271499634},{"word":"and","start":1512.11,"end":1512.27,"confidence":0.9998074,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2125328630208969},{"word":"they've","start":1512.27,"end":1512.43,"confidence":0.9983061,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":-0.31857797503471375},{"word":"been","start":1512.43,"end":1512.59,"confidence":0.9998864,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.28786134719848633},{"word":"a","start":1512.59,"end":1512.67,"confidence":0.99948573,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2711983621120453},{"word":"little","start":1512.67,"end":1512.8301,"confidence":0.9998801,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.2953937351703644},{"word":"bit","start":1512.8301,"end":1513.0701,"confidence":0.99894565,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2974874675273895},{"word":"slower","start":1513.0701,"end":1513.39,"confidence":0.9755402,"punctuated_word":"slower","sentiment":"neutral","sentiment_score":-0.261771023273468},{"word":"in","start":1513.39,"end":1513.55,"confidence":0.95886713,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.29098254442214966},{"word":"making","start":1513.55,"end":1513.87,"confidence":0.9999064,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.2858855128288269},{"word":"changes","start":1513.87,"end":1514.37,"confidence":0.9937542,"punctuated_word":"changes.","sentiment":"neutral","sentiment_score":-0.21292194724082947},{"word":"so","start":1514.67,"end":1514.91,"confidence":0.9943116,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.14077410101890564},{"word":"we've","start":1514.91,"end":1515.15,"confidence":0.9995986,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.20071977376937863},{"word":"been","start":1515.15,"end":1515.31,"confidence":0.9997726,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.18482336401939392},{"word":"a","start":1515.31,"end":1515.47,"confidence":0.9989955,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2185674011707306},{"word":"little","start":1515.47,"end":1515.63,"confidence":0.9998248,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.2661131024360657},{"word":"bit","start":1515.63,"end":1515.87,"confidence":0.99945253,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2982771098613739},{"word":"kind","start":1515.87,"end":1516.11,"confidence":0.97873634,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.2645500600337982},{"word":"of","start":1516.11,"end":1516.35,"confidence":0.81313866,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.28695327043533325},{"word":"okay","start":1516.35,"end":1516.59,"confidence":0.93556345,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.1978489011526108},{"word":"well","start":1516.59,"end":1516.845,"confidence":0.9947195,"punctuated_word":"Well,","sentiment":"negative","sentiment_score":-0.4107889235019684},{"word":"that","start":1516.845,"end":1517.005,"confidence":0.9995165,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.6725987792015076},{"word":"might","start":1517.005,"end":1517.1649,"confidence":0.99980575,"punctuated_word":"might","sentiment":"negative","sentiment_score":-0.5248288512229919},{"word":"not","start":1517.1649,"end":1517.325,"confidence":0.9995018,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.6995013356208801},{"word":"be","start":1517.325,"end":1517.645,"confidence":0.99965954,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.6602389812469482},{"word":"the","start":1517.645,"end":1517.8049,"confidence":0.9997316,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.6795468330383301},{"word":"best","start":1517.8049,"end":1518.0449,"confidence":0.9998847,"punctuated_word":"best","sentiment":"negative","sentiment_score":-0.6603726148605347},{"word":"option","start":1518.0449,"end":1518.365,"confidence":0.9998796,"punctuated_word":"option","sentiment":"negative","sentiment_score":-0.6864592432975769},{"word":"moving","start":1518.365,"end":1518.6849,"confidence":0.9985424,"punctuated_word":"moving","sentiment":"negative","sentiment_score":-0.650355875492096},{"word":"forward","start":1518.6849,"end":1519.1849,"confidence":0.99427354,"punctuated_word":"forward.","sentiment":"negative","sentiment_score":-0.596900463104248},{"word":"and","start":1519.565,"end":1519.8049,"confidence":0.9987264,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.24303145706653595},{"word":"another","start":1519.8049,"end":1520.205,"confidence":0.99969137,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.17838868498802185},{"word":"reason","start":1520.205,"end":1520.605,"confidence":0.9996203,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.1900249719619751},{"word":"is","start":1520.605,"end":1521.005,"confidence":0.99979144,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.19131973385810852},{"word":"it","start":1521.005,"end":1521.085,"confidence":0.8515124,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.19573265314102173},{"word":"wasn't","start":1521.085,"end":1521.405,"confidence":0.9999614,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":-0.14998197555541992},{"word":"really","start":1521.405,"end":1521.885,"confidence":0.9997757,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.113752543926239},{"word":"them","start":1521.885,"end":1522.365,"confidence":0.9582652,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":-0.16101981699466705},{"word":"but","start":1522.365,"end":1522.605,"confidence":0.9961732,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.1359044760465622},{"word":"one","start":1522.605,"end":1522.845,"confidence":0.99967706,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.14890968799591064},{"word":"of","start":1522.845,"end":1522.9249,"confidence":0.9997073,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09158623218536376},{"word":"the","start":1522.9249,"end":1523.085,"confidence":0.999481,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10983056575059892},{"word":"companies","start":1523.085,"end":1523.585,"confidence":0.995424,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":-0.09328172355890274},{"word":"that","start":1523.645,"end":1523.885,"confidence":0.9989938,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07429011166095734},{"word":"they","start":1523.885,"end":1524.125,"confidence":0.99981827,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.113960862159729},{"word":"had","start":1524.125,"end":1524.525,"confidence":0.9992581,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.10663636028766632},{"word":"in","start":1524.525,"end":1524.765,"confidence":0.99963665,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.08917798846960068},{"word":"their","start":1524.765,"end":1525.005,"confidence":0.97301316,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.1394447237253189},{"word":"portfolio","start":1525.005,"end":1525.505,"confidence":0.9987496,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.09729550033807756},{"word":"was","start":1525.965,"end":1526.365,"confidence":0.9949496,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.12404169142246246},{"word":"corporate","start":1526.365,"end":1526.865,"confidence":0.66777474,"punctuated_word":"Corporate","sentiment":"neutral","sentiment_score":-0.09626579284667967},{"word":"travel","start":1527.1649,"end":1527.6649,"confidence":0.9949798,"punctuated_word":"Travel","sentiment":"neutral","sentiment_score":-0.12214505672454834},{"word":"group","start":1527.725,"end":1528.225,"confidence":0.99008715,"punctuated_word":"Group.","sentiment":"neutral","sentiment_score":-0.1101980060338974},{"word":"now","start":1528.765,"end":1529.265,"confidence":0.99841475,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.19661973416805267},{"word":"they","start":1529.405,"end":1529.645,"confidence":0.7880866,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.21520359814167023},{"word":"had","start":1529.645,"end":1529.885,"confidence":0.9993813,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.2208775281906128},{"word":"a","start":1529.885,"end":1529.965,"confidence":0.99876666,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.22229452431201935},{"word":"bit","start":1529.965,"end":1530.205,"confidence":0.99978656,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.24132362008094788},{"word":"of","start":1530.205,"end":1530.2849,"confidence":0.9992793,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.295844703912735},{"word":"issues","start":1530.2849,"end":1530.7849,"confidence":0.99496526,"punctuated_word":"issues","sentiment":"negative","sentiment_score":-0.3425409495830536},{"word":"with","start":1531.03,"end":1531.19,"confidence":0.9936533,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.40600472688674927},{"word":"reporting","start":1531.19,"end":1531.59,"confidence":0.984192,"punctuated_word":"reporting.","sentiment":"negative","sentiment_score":-0.3677927851676941},{"word":"i'm","start":1531.59,"end":1531.75,"confidence":0.99996454,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.31655246019363403},{"word":"not","start":1531.75,"end":1531.91,"confidence":0.9999826,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2508019506931305},{"word":"sure","start":1531.91,"end":1531.99,"confidence":0.9999118,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.22634519636631012},{"word":"if","start":1531.99,"end":1532.07,"confidence":0.99962544,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.19708368182182312},{"word":"you've","start":1532.07,"end":1532.3099,"confidence":0.9990269,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.18935194611549375},{"word":"heard","start":1532.3099,"end":1532.55,"confidence":0.9999223,"punctuated_word":"heard","sentiment":"neutral","sentiment_score":-0.1472155898809433},{"word":"of","start":1532.55,"end":1532.63,"confidence":0.9991404,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.23190420866012573},{"word":"them","start":1532.63,"end":1532.79,"confidence":0.99589515,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":-0.24907726049423215},{"word":"i","start":1532.79,"end":1532.87,"confidence":0.9990846,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07184810936450958},{"word":"think","start":1532.87,"end":1533.03,"confidence":0.9998876,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.035611070692539215},{"word":"it","start":1533.03,"end":1533.11,"confidence":0.94837487,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04205203428864479},{"word":"was","start":1533.11,"end":1533.27,"confidence":0.9972389,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.04152607545256615},{"word":"on","start":1533.27,"end":1533.43,"confidence":0.99661154,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.057907141745090485},{"word":"the","start":1533.43,"end":1533.59,"confidence":0.990569,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0608205571770668},{"word":"news","start":1533.59,"end":1534.09,"confidence":0.9971844,"punctuated_word":"news.","sentiment":"neutral","sentiment_score":-0.07549095153808594},{"word":"yeah","start":1534.15,"end":1534.65,"confidence":0.9819565,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03584291785955429},{"word":"so","start":1534.95,"end":1535.11,"confidence":0.8133413,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06389762461185455},{"word":"obviously","start":1535.11,"end":1535.51,"confidence":0.52599376,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.06299569457769394},{"word":"had","start":1535.51,"end":1535.67,"confidence":0.50701827,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.09067776799201964},{"word":"a","start":1535.67,"end":1535.75,"confidence":0.99873644,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10298652946949004},{"word":"bit","start":1535.75,"end":1535.91,"confidence":0.9996191,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.10065872967243196},{"word":"of","start":1535.91,"end":1535.99,"confidence":0.9979905,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14549939334392548},{"word":"issues","start":1535.99,"end":1536.39,"confidence":0.83795357,"punctuated_word":"issues,","sentiment":"neutral","sentiment_score":-0.18298068642616272},{"word":"cost","start":1536.39,"end":1536.71,"confidence":0.67632467,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.22473746538162231},{"word":"suspension","start":1536.71,"end":1537.21,"confidence":0.798834,"punctuated_word":"suspension.","sentiment":"neutral","sentiment_score":-0.19261181354522705},{"word":"they","start":1537.27,"end":1537.35,"confidence":0.99864286,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.24491693079471588},{"word":"couldn't","start":1537.35,"end":1537.75,"confidence":0.9999013,"punctuated_word":"couldn't","sentiment":"neutral","sentiment_score":-0.2695460021495819},{"word":"trade","start":1537.75,"end":1538.15,"confidence":0.7678722,"punctuated_word":"trade,","sentiment":"neutral","sentiment_score":-0.24856388568878177},{"word":"obviously","start":1538.15,"end":1538.63,"confidence":0.83970475,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.2357148975133896},{"word":"things","start":1538.63,"end":1538.79,"confidence":0.91094023,"punctuated_word":"things","sentiment":"negative","sentiment_score":-0.3930260241031647},{"word":"fell","start":1538.79,"end":1539.29,"confidence":0.64801145,"punctuated_word":"fell.","sentiment":"neutral","sentiment_score":-0.26036930084228516},{"word":"so","start":1539.59,"end":1540.07,"confidence":0.9956559,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.057999804615974426},{"word":"if","start":1540.07,"end":1540.23,"confidence":0.9962509,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07777633517980576},{"word":"you","start":1540.23,"end":1540.39,"confidence":0.99993503,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12485495209693909},{"word":"are","start":1540.39,"end":1540.63,"confidence":0.9743303,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1909074634313583},{"word":"happy","start":1540.63,"end":1540.95,"confidence":0.99997044,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.2888272702693939},{"word":"for","start":1540.95,"end":1541.19,"confidence":0.9995196,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3196900188922882},{"word":"me","start":1541.19,"end":1541.35,"confidence":0.9999664,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.28909265995025635},{"word":"to","start":1541.35,"end":1541.51,"confidence":0.9997552,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28138303756713867},{"word":"do","start":1541.51,"end":1541.75,"confidence":0.99988914,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.29229629039764404},{"word":"so","start":1541.75,"end":1542.07,"confidence":0.99877995,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":0.2734053432941437},{"word":"i","start":1542.07,"end":1542.15,"confidence":0.99985456,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3762139976024628},{"word":"would","start":1542.15,"end":1542.3099,"confidence":0.9999597,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.3409419357776642},{"word":"like","start":1542.3099,"end":1542.55,"confidence":0.99975055,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.3136503994464874},{"word":"to","start":1542.55,"end":1542.71,"confidence":0.9995254,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2614825665950775},{"word":"do","start":1542.71,"end":1542.95,"confidence":0.9997991,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19331327080726624},{"word":"a","start":1542.95,"end":1543.03,"confidence":0.999526,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1943126618862152},{"word":"bit","start":1543.03,"end":1543.19,"confidence":0.9996314,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.12254786491394044},{"word":"more","start":1543.19,"end":1543.43,"confidence":0.9998258,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.08792091906070709},{"word":"research","start":1543.43,"end":1543.91,"confidence":0.9996449,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.18251673877239227},{"word":"on","start":1543.91,"end":1544.07,"confidence":0.99986696,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1862396001815796},{"word":"your","start":1544.07,"end":1544.3099,"confidence":0.9995882,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12279649078845978},{"word":"investments","start":1544.3099,"end":1544.79,"confidence":0.6745478,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.1534065455198288},{"word":"but","start":1544.79,"end":1545.135,"confidence":0.804871,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.17276635766029358},{"word":"specifically","start":1545.295,"end":1545.615,"confidence":0.99915695,"punctuated_word":"specifically","sentiment":"neutral","sentiment_score":0.1477840095758438},{"word":"just","start":1545.615,"end":1546.015,"confidence":0.9070297,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.21343791484832764},{"word":"your","start":1546.015,"end":1546.255,"confidence":0.97632104,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.275551974773407},{"word":"one","start":1546.255,"end":1546.755,"confidence":0.7268709,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.1777855008840561},{"word":"the","start":1547.775,"end":1548.015,"confidence":0.8689782,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.11837077140808104},{"word":"other","start":1548.015,"end":1548.175,"confidence":0.99897444,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.10972754657268524},{"word":"ones","start":1548.175,"end":1548.415,"confidence":0.9982135,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":0.1880340725183487},{"word":"are","start":1548.415,"end":1548.495,"confidence":0.9935095,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.16970379650592804},{"word":"not","start":1548.495,"end":1548.735,"confidence":0.9998404,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.19501109421253204},{"word":"doing","start":1548.735,"end":1548.975,"confidence":0.9828043,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.14792761206626892},{"word":"too","start":1548.975,"end":1549.215,"confidence":0.93192106,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.14765655994415283},{"word":"bad","start":1549.215,"end":1549.375,"confidence":0.9869478,"punctuated_word":"bad,","sentiment":"neutral","sentiment_score":0.1302037537097931},{"word":"but","start":1549.375,"end":1549.535,"confidence":0.99967,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.12653499841690063},{"word":"i","start":1549.535,"end":1549.6951,"confidence":0.942054,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15000315010547638},{"word":"still","start":1549.6951,"end":1549.935,"confidence":0.9340574,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.20661233365535736},{"word":"would","start":1549.935,"end":1550.095,"confidence":0.61048675,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.28201866149902344},{"word":"just","start":1550.095,"end":1550.255,"confidence":0.9916471,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2511158585548401},{"word":"like","start":1550.255,"end":1550.415,"confidence":0.9992924,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.3293392062187195},{"word":"to","start":1550.415,"end":1550.575,"confidence":0.998374,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3046739101409912},{"word":"review","start":1550.575,"end":1550.895,"confidence":0.9998907,"punctuated_word":"review","sentiment":"positive","sentiment_score":0.3362787365913391},{"word":"everything","start":1550.895,"end":1551.215,"confidence":0.9994647,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.4225852489471435},{"word":"as","start":1551.215,"end":1551.295,"confidence":0.98408604,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.39693892002105713},{"word":"a","start":1551.295,"end":1551.375,"confidence":0.99554825,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.36338070034980774},{"word":"whole","start":1551.375,"end":1551.615,"confidence":0.9997881,"punctuated_word":"whole","sentiment":"positive","sentiment_score":0.3826467990875244},{"word":"because","start":1551.615,"end":1551.855,"confidence":0.81989205,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.3822614550590515},{"word":"it","start":1551.855,"end":1552.095,"confidence":0.9982191,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.550310492515564},{"word":"is","start":1552.095,"end":1552.415,"confidence":0.9986326,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.542970597743988},{"word":"good","start":1552.415,"end":1552.655,"confidence":0.9968863,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5904781818389893},{"word":"to","start":1552.655,"end":1552.8151,"confidence":0.96635056,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5605901479721069},{"word":"do","start":1552.8151,"end":1553.3151,"confidence":0.90765464,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.5847883820533752},{"word":"because","start":1553.455,"end":1553.855,"confidence":0.39380282,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.33272355794906616},{"word":"things","start":1553.855,"end":1554.175,"confidence":0.99878806,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.5157376527786255},{"word":"always","start":1554.175,"end":1554.495,"confidence":0.999629,"punctuated_word":"always","sentiment":"positive","sentiment_score":0.5061144232749939},{"word":"change","start":1554.495,"end":1554.8151,"confidence":0.9195093,"punctuated_word":"change.","sentiment":"positive","sentiment_score":0.4485700726509094},{"word":"the","start":1554.8151,"end":1554.975,"confidence":0.99948406,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.37474003434181213},{"word":"market","start":1554.975,"end":1555.375,"confidence":0.99992645,"punctuated_word":"market","sentiment":"positive","sentiment_score":0.4406556189060211},{"word":"always","start":1555.375,"end":1555.6951,"confidence":0.9999188,"punctuated_word":"always","sentiment":"positive","sentiment_score":0.4602901339530945},{"word":"change","start":1555.6951,"end":1556.1951,"confidence":0.8214917,"punctuated_word":"change,","sentiment":"positive","sentiment_score":0.4443809986114502},{"word":"and","start":1556.655,"end":1556.895,"confidence":0.9543648,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.38206297159194946},{"word":"we","start":1556.895,"end":1557.055,"confidence":0.99973327,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.45917853713035583},{"word":"wanna","start":1557.055,"end":1557.295,"confidence":0.9542397,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.543491005897522},{"word":"make","start":1557.295,"end":1557.535,"confidence":0.9988304,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.4655061364173889},{"word":"sure","start":1557.535,"end":1557.6951,"confidence":0.9997212,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.47357994318008423},{"word":"that","start":1557.6951,"end":1557.855,"confidence":0.99978644,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5169009566307068},{"word":"we","start":1557.855,"end":1558.015,"confidence":0.99969804,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4662818908691406},{"word":"always","start":1558.015,"end":1558.335,"confidence":0.9974523,"punctuated_word":"always","sentiment":"positive","sentiment_score":0.4786219894886017},{"word":"keep","start":1558.335,"end":1558.575,"confidence":0.99946266,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.41258877515792847},{"word":"up","start":1558.575,"end":1558.8151,"confidence":0.99987864,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.3606775999069214},{"word":"to","start":1558.8151,"end":1558.975,"confidence":0.9985195,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3466418385505676},{"word":"date","start":1558.975,"end":1559.43,"confidence":0.9995722,"punctuated_word":"date","sentiment":"positive","sentiment_score":0.3708155751228333},{"word":"with","start":1559.51,"end":1559.75,"confidence":0.9997365,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.48056310415267944},{"word":"obviously","start":1559.75,"end":1560.15,"confidence":0.654077,"punctuated_word":"obviously","sentiment":"positive","sentiment_score":0.4338044226169586},{"word":"making","start":1560.15,"end":1560.4701,"confidence":0.9925168,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.5583447813987732},{"word":"sure","start":1560.4701,"end":1560.7101,"confidence":0.99973136,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.546931803226471},{"word":"that","start":1560.7101,"end":1560.87,"confidence":0.99958163,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5772337317466736},{"word":"whatever","start":1560.87,"end":1561.27,"confidence":0.9994649,"punctuated_word":"whatever","sentiment":"positive","sentiment_score":0.640244722366333},{"word":"we","start":1561.27,"end":1561.43,"confidence":0.9997248,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.5592741370201111},{"word":"have","start":1561.43,"end":1561.67,"confidence":0.9994635,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.6122486591339111},{"word":"you","start":1561.67,"end":1561.91,"confidence":0.99580175,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6284640431404114},{"word":"invested","start":1561.91,"end":1562.31,"confidence":0.99930084,"punctuated_word":"invested","sentiment":"positive","sentiment_score":0.4371538758277893},{"word":"in","start":1562.31,"end":1562.81,"confidence":0.99932754,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6575678586959839},{"word":"is","start":1563.03,"end":1563.27,"confidence":0.97050357,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4498828947544098},{"word":"going","start":1563.27,"end":1563.43,"confidence":0.99986506,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.4877278208732605},{"word":"to","start":1563.43,"end":1563.67,"confidence":0.9987815,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.47557660937309265},{"word":"be","start":1563.67,"end":1563.9901,"confidence":0.99958426,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4034513831138611},{"word":"the","start":1563.9901,"end":1564.15,"confidence":0.9990177,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.46177810430526733},{"word":"best","start":1564.15,"end":1564.4701,"confidence":0.99992967,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.4113159477710724},{"word":"for","start":1564.4701,"end":1564.7101,"confidence":0.9989323,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4818627834320069},{"word":"you","start":1564.7101,"end":1564.9501,"confidence":0.86581755,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.398692786693573},{"word":"and","start":1564.9501,"end":1565.1101,"confidence":0.9984787,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.22286322712898257},{"word":"it's","start":1565.1101,"end":1565.27,"confidence":0.999658,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2454439103603363},{"word":"all","start":1565.27,"end":1565.43,"confidence":0.99987364,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.20770612359046936},{"word":"part","start":1565.43,"end":1565.5901,"confidence":0.9996166,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.21444998681545255},{"word":"of","start":1565.5901,"end":1565.75,"confidence":0.99976903,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16723750531673431},{"word":"the","start":1565.75,"end":1565.8301,"confidence":0.9981359,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23520387709140775},{"word":"ongoing","start":1565.8301,"end":1566.31,"confidence":0.9995467,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.2942265272140503},{"word":"service","start":1566.31,"end":1566.63,"confidence":0.99699235,"punctuated_word":"service.","sentiment":"neutral","sentiment_score":0.21902838349342343},{"word":"there's","start":1566.63,"end":1566.79,"confidence":0.998966,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.2926716208457947},{"word":"no","start":1566.79,"end":1566.9501,"confidence":0.9994808,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.23231878876686096},{"word":"additional","start":1566.9501,"end":1567.27,"confidence":0.99989724,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.09044282883405684},{"word":"fees","start":1567.27,"end":1567.51,"confidence":0.9948515,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.12687139213085177},{"word":"or","start":1567.51,"end":1567.67,"confidence":0.99800736,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.19655174016952515},{"word":"anything","start":1567.67,"end":1567.9901,"confidence":0.99992335,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.1766931712627411},{"word":"like","start":1567.9901,"end":1568.15,"confidence":0.9996056,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.16418074071407318},{"word":"that","start":1568.15,"end":1568.39,"confidence":0.99828106,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1999920755624771},{"word":"it's","start":1568.39,"end":1568.55,"confidence":0.99977565,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.2735756039619446},{"word":"all","start":1568.55,"end":1568.7101,"confidence":0.9995646,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2849905490875244},{"word":"part","start":1568.7101,"end":1568.9501,"confidence":0.9996252,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.30519527196884155},{"word":"of","start":1568.9501,"end":1569.03,"confidence":0.99965036,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3342706561088562},{"word":"the","start":1569.03,"end":1569.1901,"confidence":0.98539114,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3140174448490143},{"word":"ongoing","start":1569.1901,"end":1569.67,"confidence":0.99974424,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.3094791769981384},{"word":"service","start":1569.67,"end":1570.17,"confidence":0.9996804,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.32118335366249084},{"word":"to","start":1570.63,"end":1570.87,"confidence":0.9737887,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30142152309417725},{"word":"see","start":1570.87,"end":1571.1101,"confidence":0.99945885,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.25361210107803345},{"word":"if","start":1571.1101,"end":1571.27,"confidence":0.9997273,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.202557310461998},{"word":"we","start":1571.27,"end":1571.43,"confidence":0.9993789,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17985761165618896},{"word":"wanna","start":1571.43,"end":1571.75,"confidence":0.9892754,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.16615372896194458},{"word":"swap","start":1571.75,"end":1572.0701,"confidence":0.9766748,"punctuated_word":"swap","sentiment":"neutral","sentiment_score":0.1592947393655777},{"word":"that","start":1572.0701,"end":1572.2301,"confidence":0.9995875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11831926554441452},{"word":"out","start":1572.2301,"end":1572.55,"confidence":0.9995442,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1351795643568039},{"word":"for","start":1572.55,"end":1572.79,"confidence":0.99964106,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.21078307926654816},{"word":"you","start":1572.79,"end":1573.03,"confidence":0.9993112,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21296483278274536},{"word":"for","start":1573.03,"end":1573.3501,"confidence":0.93274224,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14853182435035706},{"word":"something","start":1573.3501,"end":1573.75,"confidence":0.99894553,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.2044552266597748},{"word":"else","start":1573.75,"end":1574.115,"confidence":0.91940844,"punctuated_word":"else.","sentiment":"neutral","sentiment_score":0.16697409749031067},{"word":"are","start":1574.275,"end":1574.4349,"confidence":0.98390436,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.29818016290664673},{"word":"you","start":1574.4349,"end":1574.515,"confidence":0.98950493,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3407132625579834},{"word":"happy","start":1574.515,"end":1574.915,"confidence":0.999549,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.31063196063041687},{"word":"for","start":1574.915,"end":1575.155,"confidence":0.99944276,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.34900158643722534},{"word":"me","start":1575.155,"end":1575.315,"confidence":0.9999422,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2770392596721649},{"word":"to","start":1575.315,"end":1575.395,"confidence":0.99917656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2524219751358032},{"word":"do","start":1575.395,"end":1575.5549,"confidence":0.99963677,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.23180389404296875},{"word":"that","start":1575.5549,"end":1576.0549,"confidence":0.9998293,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.282429575920105},{"word":"yeah","start":1577.235,"end":1577.735,"confidence":0.93016565,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0850110650062561},{"word":"wait","start":1590.13,"end":1590.53,"confidence":0.8557271,"punctuated_word":"Wait.","sentiment":"neutral","sentiment_score":0.012891841121017931},{"word":"so","start":1590.53,"end":1590.61,"confidence":0.83287334,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.019777867943048477},{"word":"oh","start":1590.77,"end":1590.85,"confidence":0.7767973,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.03025480918586254},{"word":"for","start":1590.85,"end":1591.01,"confidence":0.45326433,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.02547432482242584},{"word":"you","start":1591.01,"end":1591.17,"confidence":0.8762223,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.03867633640766144},{"word":"drew","start":1591.17,"end":1591.41,"confidence":0.8557763,"punctuated_word":"Drew.","sentiment":"neutral","sentiment_score":0.03725150227546692},{"word":"so","start":1591.41,"end":1591.57,"confidence":0.9525458,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03980788588523865},{"word":"how","start":1591.57,"end":1591.73,"confidence":0.30302158,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.026838019490242004},{"word":"many","start":1591.73,"end":1592.13,"confidence":0.43213367,"punctuated_word":"many","sentiment":"neutral","sentiment_score":0.030829133465886116},{"word":"four","start":1592.13,"end":1592.37,"confidence":0.35575664,"punctuated_word":"four?","sentiment":"neutral","sentiment_score":0.01924314722418785},{"word":"just","start":1592.37,"end":1592.61,"confidence":0.8227724,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.024133775383234024},{"word":"cover","start":1592.61,"end":1592.93,"confidence":0.3053186,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.02713697776198387},{"word":"that","start":1592.93,"end":1593.01,"confidence":0.6637911,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.038211628794670105},{"word":"as","start":1593.01,"end":1593.33,"confidence":0.9561588,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04565001651644707},{"word":"your","start":1593.33,"end":1593.49,"confidence":0.7426389,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.046775735914707184},{"word":"bank","start":1593.49,"end":1593.73,"confidence":0.74708915,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.05717466026544571},{"word":"account","start":1593.73,"end":1594.13,"confidence":0.9521307,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.062051184475421906},{"word":"basically","start":1594.13,"end":1594.63,"confidence":0.8890646,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.041446369141340256},{"word":"or","start":1595.09,"end":1595.25,"confidence":0.74753785,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06457452476024628},{"word":"your","start":1595.25,"end":1595.41,"confidence":0.9324137,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10425148904323578},{"word":"super","start":1595.41,"end":1595.91,"confidence":0.52207667,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.1216590851545334},{"word":"exactly","start":1596.6901,"end":1597.1901,"confidence":0.96311295,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.10255386680364607},{"word":"where","start":1597.25,"end":1597.57,"confidence":0.4517545,"punctuated_word":"Where","sentiment":"neutral","sentiment_score":0.06537885218858719},{"word":"we","start":1597.57,"end":1597.81,"confidence":0.63942295,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0696512833237648},{"word":"do","start":1597.81,"end":1597.97,"confidence":0.99908173,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08565700054168701},{"word":"all","start":1597.97,"end":1598.13,"confidence":0.99957925,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.10384227335453032},{"word":"of","start":1598.13,"end":1598.29,"confidence":0.993113,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08695106208324432},{"word":"that","start":1598.29,"end":1598.53,"confidence":0.98863685,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.07911060005426407},{"word":"now","start":1598.53,"end":1598.93,"confidence":0.9994124,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.061349861323833466},{"word":"with","start":1598.93,"end":1599.17,"confidence":0.9904484,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07426761835813522},{"word":"the","start":1599.17,"end":1599.33,"confidence":0.8274326,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07058664411306381},{"word":"investment","start":1599.33,"end":1599.83,"confidence":0.8023317,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.06027970090508461},{"word":"i","start":1599.97,"end":1600.13,"confidence":0.9993759,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.048776548355817795},{"word":"do","start":1600.13,"end":1600.29,"confidence":0.99914896,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05625303462147713},{"word":"wanted","start":1600.29,"end":1600.61,"confidence":0.9150328,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.05454313009977341},{"word":"to","start":1600.61,"end":1600.815,"confidence":0.9893232,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06024237722158432},{"word":"check","start":1600.8949,"end":1601.215,"confidence":0.96980155,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.0653374046087265},{"word":"something","start":1601.215,"end":1601.5349,"confidence":0.99882525,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.0410582609474659},{"word":"else","start":1601.5349,"end":1601.7749,"confidence":0.99975127,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.048616960644721985},{"word":"with","start":1601.7749,"end":1601.9349,"confidence":0.9995627,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03665151074528694},{"word":"you","start":1601.9349,"end":1602.4349,"confidence":0.99986625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03235384076833725},{"word":"is","start":1602.735,"end":1603.215,"confidence":0.49877983,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0248967707157135},{"word":"have","start":1603.215,"end":1603.375,"confidence":0.44943884,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02558470144867897},{"word":"you","start":1603.375,"end":1603.875,"confidence":0.99943525,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.029673628509044647},{"word":"read","start":1603.9349,"end":1604.335,"confidence":0.9987741,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.003752686083316803},{"word":"our","start":1604.335,"end":1604.575,"confidence":0.9810434,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.03891310468316078},{"word":"newsletter","start":1604.575,"end":1605.075,"confidence":0.99548304,"punctuated_word":"newsletter","sentiment":"neutral","sentiment_score":0.030506059527397156},{"word":"at","start":1605.2949,"end":1605.455,"confidence":0.99953914,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.016267575323581696},{"word":"all","start":1605.455,"end":1605.7749,"confidence":0.99045587,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.027601297944784164},{"word":"do","start":1605.7749,"end":1606.0149,"confidence":0.99953353,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.0014528371393680573},{"word":"you","start":1606.0149,"end":1606.1749,"confidence":0.99973327,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.011351097375154495},{"word":"read","start":1606.1749,"end":1606.495,"confidence":0.99920577,"punctuated_word":"read","sentiment":"neutral","sentiment_score":-0.005536574870347977},{"word":"that","start":1606.495,"end":1606.735,"confidence":0.9992803,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0010065138339996338},{"word":"every","start":1606.735,"end":1606.975,"confidence":0.9990012,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.00240413099527359},{"word":"now","start":1606.975,"end":1607.1349,"confidence":0.9995857,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.0029261820018291473},{"word":"and","start":1607.1349,"end":1607.2949,"confidence":0.9990019,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.002892185002565384},{"word":"then","start":1607.2949,"end":1607.455,"confidence":0.9998541,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.0003088749945163727},{"word":"or","start":1607.455,"end":1607.695,"confidence":0.8731179,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0002977102994918823},{"word":"or","start":1607.695,"end":1607.855,"confidence":0.96946746,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0008078776299953461},{"word":"not","start":1607.855,"end":1608.1749,"confidence":0.99937433,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.011479314416646956},{"word":"really","start":1608.1749,"end":1608.6749,"confidence":0.9989745,"punctuated_word":"really?","sentiment":"neutral","sentiment_score":-0.002565879374742508},{"word":"no","start":1610.0149,"end":1610.5149,"confidence":0.99676704,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.13201162219047546},{"word":"most","start":1610.735,"end":1611.0549,"confidence":0.608434,"punctuated_word":"Most","sentiment":"neutral","sentiment_score":-0.13809581100940704},{"word":"people","start":1611.0549,"end":1611.375,"confidence":0.8572549,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.11256421357393263},{"word":"are","start":1611.375,"end":1611.455,"confidence":0.912275,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.12643657624721527},{"word":"the","start":1611.455,"end":1611.615,"confidence":0.9954131,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15160790085792542},{"word":"same","start":1611.615,"end":1611.855,"confidence":0.94593,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":-0.12216928601264954},{"word":"that's","start":1611.855,"end":1612.095,"confidence":0.9995847,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.0702587366104126},{"word":"why","start":1612.095,"end":1612.2549,"confidence":0.9970341,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.039140235632658005},{"word":"i","start":1612.2549,"end":1612.335,"confidence":0.98063856,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05127444118261337},{"word":"asked","start":1612.335,"end":1612.835,"confidence":0.98912823,"punctuated_word":"asked.","sentiment":"neutral","sentiment_score":-0.03407059237360954},{"word":"i","start":1613.88,"end":1614.04,"confidence":0.9921698,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.016031384468078613},{"word":"do","start":1614.04,"end":1614.28,"confidence":0.9984971,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.016720347106456757},{"word":"suggest","start":1614.28,"end":1614.6,"confidence":0.99932134,"punctuated_word":"suggest","sentiment":"neutral","sentiment_score":-0.04606107622385025},{"word":"maybe","start":1614.6,"end":1614.84,"confidence":0.98891675,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.08148407191038132},{"word":"going","start":1614.84,"end":1615.16,"confidence":0.9986527,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.052387677133083344},{"word":"back","start":1615.16,"end":1615.4,"confidence":0.9996068,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.022088121622800827},{"word":"on","start":1615.4,"end":1615.64,"confidence":0.99967635,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.013479925692081451},{"word":"the","start":1615.64,"end":1615.88,"confidence":0.99786574,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004253968596458435},{"word":"the","start":1615.88,"end":1616.04,"confidence":0.9967325,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0016409270465373993},{"word":"last","start":1616.04,"end":1616.28,"confidence":0.99952257,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.0025692135095596313},{"word":"one","start":1616.28,"end":1616.68,"confidence":0.996824,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.0019276663661003113},{"word":"after","start":1616.68,"end":1616.92,"confidence":0.9981213,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.01273929327726364},{"word":"the","start":1616.92,"end":1617.08,"confidence":0.9997255,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.006687052547931671},{"word":"call","start":1617.08,"end":1617.32,"confidence":0.99989855,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.015727046877145767},{"word":"if","start":1617.32,"end":1617.48,"confidence":0.86266935,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.004483062773942947},{"word":"you","start":1617.48,"end":1617.56,"confidence":0.9996561,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.004238758236169815},{"word":"want","start":1617.56,"end":1617.72,"confidence":0.97689587,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.014771610498428345},{"word":"to","start":1617.72,"end":1618.22,"confidence":0.9919507,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.0017913877964019775},{"word":"the","start":1618.36,"end":1618.52,"confidence":0.999268,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.011769037693738936},{"word":"reason","start":1618.52,"end":1618.92,"confidence":0.999912,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.02074848860502243},{"word":"i","start":1618.92,"end":1619.08,"confidence":0.99956375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03572072088718414},{"word":"do","start":1619.08,"end":1619.4,"confidence":0.9999126,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03165806829929352},{"word":"ask","start":1619.4,"end":1619.88,"confidence":0.9991742,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.028610417619347572},{"word":"is","start":1619.88,"end":1620.12,"confidence":0.9996985,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.012571392580866814},{"word":"that","start":1620.12,"end":1620.52,"confidence":0.9997689,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01541494019329548},{"word":"we","start":1620.52,"end":1620.76,"confidence":0.9975575,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03301882743835449},{"word":"have","start":1620.76,"end":1621.16,"confidence":0.9998054,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.030761953443288803},{"word":"recently","start":1621.16,"end":1621.66,"confidence":0.99972516,"punctuated_word":"recently","sentiment":"neutral","sentiment_score":0.047273389995098114},{"word":"merged","start":1621.88,"end":1622.38,"confidence":0.99895203,"punctuated_word":"merged","sentiment":"neutral","sentiment_score":0.04216312989592552},{"word":"or","start":1623.64,"end":1623.8,"confidence":0.9559897,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03456336632370949},{"word":"joined","start":1623.8,"end":1624.28,"confidence":0.98668784,"punctuated_word":"joined","sentiment":"neutral","sentiment_score":0.030449969694018364},{"word":"forces","start":1624.28,"end":1624.78,"confidence":0.99695873,"punctuated_word":"forces","sentiment":"neutral","sentiment_score":0.05543992295861244},{"word":"with","start":1624.84,"end":1625.24,"confidence":0.9998461,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0641673281788826},{"word":"blackrock","start":1625.24,"end":1625.74,"confidence":0.9848034,"punctuated_word":"BlackRock.","sentiment":"neutral","sentiment_score":0.03491143509745598},{"word":"have","start":1626.365,"end":1626.4451,"confidence":0.99839514,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.01785123348236084},{"word":"you","start":1626.4451,"end":1626.605,"confidence":0.999948,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.019294213503599167},{"word":"heard","start":1626.605,"end":1626.885,"confidence":0.99983275,"punctuated_word":"heard","sentiment":"neutral","sentiment_score":0.014840545132756231},{"word":"of","start":1626.885,"end":1627.165,"confidence":0.999496,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.022026611492037773},{"word":"blackrock","start":1627.165,"end":1627.665,"confidence":0.9979585,"punctuated_word":"BlackRock?","sentiment":"neutral","sentiment_score":0.03583872318267822},{"word":"they","start":1627.805,"end":1628.045,"confidence":0.9752388,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.08956751972436905},{"word":"are","start":1628.045,"end":1628.285,"confidence":0.984397,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07547881454229355},{"word":"massive","start":1628.285,"end":1628.785,"confidence":0.9831557,"punctuated_word":"massive.","sentiment":"neutral","sentiment_score":0.21822857856750488},{"word":"yeah","start":1628.8451,"end":1629.3451,"confidence":0.99635553,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1514212042093277},{"word":"so","start":1629.5651,"end":1629.725,"confidence":0.9919886,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1351613700389862},{"word":"we've","start":1629.725,"end":1630.125,"confidence":0.9754539,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.2037097066640854},{"word":"joined","start":1630.125,"end":1630.525,"confidence":0.9917744,"punctuated_word":"joined","sentiment":"neutral","sentiment_score":0.14612232148647308},{"word":"and","start":1630.525,"end":1630.685,"confidence":0.99029094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19951175153255463},{"word":"partnered","start":1630.685,"end":1631.165,"confidence":0.99875987,"punctuated_word":"partnered","sentiment":"neutral","sentiment_score":0.1838926076889038},{"word":"up","start":1631.165,"end":1631.245,"confidence":0.9986834,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2238786369562149},{"word":"with","start":1631.245,"end":1631.405,"confidence":0.99989974,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1995521783828735},{"word":"them","start":1631.405,"end":1631.645,"confidence":0.9999192,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.1682794839143753},{"word":"to","start":1631.645,"end":1631.885,"confidence":0.9996233,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17906542122364044},{"word":"create","start":1631.885,"end":1632.365,"confidence":0.99986136,"punctuated_word":"create","sentiment":"neutral","sentiment_score":0.1739652305841446},{"word":"our","start":1632.365,"end":1632.605,"confidence":0.999418,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.17309151589870453},{"word":"own","start":1632.605,"end":1633.105,"confidence":0.9994394,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.1821051388978958},{"word":"sma","start":1633.165,"end":1633.665,"confidence":0.8101761,"punctuated_word":"SMA,","sentiment":"neutral","sentiment_score":0.1751120388507843},{"word":"so","start":1634.4451,"end":1634.685,"confidence":0.60347104,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1966477930545807},{"word":"a","start":1634.685,"end":1634.925,"confidence":0.9431233,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17588117718696594},{"word":"self","start":1634.925,"end":1635.245,"confidence":0.9966763,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.15800373256206512},{"word":"managed","start":1635.245,"end":1635.745,"confidence":0.99699056,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.17226725816726685},{"word":"account","start":1635.885,"end":1636.385,"confidence":0.9980887,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.1814165711402893},{"word":"have","start":1636.605,"end":1636.8451,"confidence":0.9995566,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.07741258293390274},{"word":"you","start":1636.8451,"end":1637.005,"confidence":0.9999335,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08734462410211563},{"word":"ever","start":1637.005,"end":1637.245,"confidence":0.9995259,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.0762205570936203},{"word":"heard","start":1637.245,"end":1637.405,"confidence":0.9997234,"punctuated_word":"heard","sentiment":"neutral","sentiment_score":0.04969355463981629},{"word":"of","start":1637.405,"end":1637.5651,"confidence":0.9998337,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10404103249311449},{"word":"that","start":1637.5651,"end":1638.0651,"confidence":0.99960375,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.06836217641830444},{"word":"no","start":1639.5801,"end":1640.0801,"confidence":0.9677324,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07150952517986298},{"word":"sorry","start":1640.2201,"end":1640.7001,"confidence":0.7687265,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.08144041895866394},{"word":"the","start":1640.7001,"end":1640.9401,"confidence":0.99197656,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.046177566051483154},{"word":"way","start":1640.9401,"end":1641.18,"confidence":0.99985456,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.017849724739789963},{"word":"that","start":1641.18,"end":1641.42,"confidence":0.99987817,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0193050317466259},{"word":"the","start":1641.42,"end":1641.5801,"confidence":0.97741073,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.032829221338033676},{"word":"so","start":1641.74,"end":1641.9,"confidence":0.9865927,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.01092807948589325},{"word":"you","start":1641.9,"end":1641.9801,"confidence":0.97298133,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027380600571632385},{"word":"can","start":1641.9801,"end":1642.14,"confidence":0.99958247,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03060315921902657},{"word":"still","start":1642.14,"end":1642.3,"confidence":0.99729675,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.008829839527606964},{"word":"obviously","start":1642.3,"end":1642.7001,"confidence":0.82590204,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.014780335128307344},{"word":"do","start":1642.7001,"end":1642.8601,"confidence":0.9983772,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.008962433785200119},{"word":"it","start":1642.8601,"end":1643.18,"confidence":0.99931514,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.017372343689203262},{"word":"in","start":1643.18,"end":1643.3401,"confidence":0.98816466,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0044501833617687225},{"word":"hub","start":1643.3401,"end":1643.5801,"confidence":0.51518255,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.01465262845158577},{"word":"twenty","start":1643.5801,"end":1643.8201,"confidence":0.95471925,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.019092600792646408},{"word":"four","start":1643.8201,"end":1644.14,"confidence":0.9991677,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.0061516351997852325},{"word":"still","start":1644.14,"end":1644.3,"confidence":0.6098484,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.013968456536531448},{"word":"within","start":1644.3,"end":1644.62,"confidence":0.9960537,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.01743905618786812},{"word":"your","start":1644.62,"end":1644.8601,"confidence":0.9981172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0045247673988342285},{"word":"super","start":1644.8601,"end":1645.3601,"confidence":0.88241315,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.008070802316069603},{"word":"it's","start":1645.5,"end":1645.66,"confidence":0.9990674,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.009184791706502438},{"word":"just","start":1645.66,"end":1645.9,"confidence":0.9998447,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.014325246214866638},{"word":"a","start":1645.9,"end":1646.06,"confidence":0.9970498,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.009322300553321838},{"word":"slightly","start":1646.06,"end":1646.54,"confidence":0.99981934,"punctuated_word":"slightly","sentiment":"neutral","sentiment_score":-0.027043301612138748},{"word":"different","start":1646.54,"end":1647.04,"confidence":0.9997352,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.0363895483314991},{"word":"way","start":1647.1001,"end":1647.6001,"confidence":0.9951499,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":-0.025253646075725555},{"word":"so","start":1647.66,"end":1648.16,"confidence":0.9971136,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.035151880234479904},{"word":"at","start":1648.7001,"end":1648.9401,"confidence":0.9297471,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0446944460272789},{"word":"the","start":1648.9401,"end":1649.02,"confidence":0.99979454,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0670468658208847},{"word":"moment","start":1649.02,"end":1649.52,"confidence":0.9887097,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.07239960879087448},{"word":"you","start":1649.5801,"end":1649.74,"confidence":0.9992574,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10325823724269868},{"word":"have","start":1649.74,"end":1650.14,"confidence":0.9998022,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11725366860628128},{"word":"what","start":1650.14,"end":1650.3,"confidence":0.9620165,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08453047275543213},{"word":"we","start":1650.3,"end":1650.38,"confidence":0.9980679,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10252904891967772},{"word":"would","start":1650.38,"end":1650.615,"confidence":0.99703586,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.10467932373285294},{"word":"call","start":1650.615,"end":1650.775,"confidence":0.9124638,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":0.07305426895618439},{"word":"like","start":1650.775,"end":1651.015,"confidence":0.99637,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08015043288469315},{"word":"your","start":1651.015,"end":1651.095,"confidence":0.9976094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1185525357723236},{"word":"model","start":1651.095,"end":1651.575,"confidence":0.9995459,"punctuated_word":"model","sentiment":"neutral","sentiment_score":0.12647998332977295},{"word":"portfolio","start":1651.575,"end":1652.075,"confidence":0.9089979,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.09832680225372314},{"word":"so","start":1652.135,"end":1652.295,"confidence":0.9993543,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12074588239192964},{"word":"you","start":1652.295,"end":1652.375,"confidence":0.9998399,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15239202976226807},{"word":"can","start":1652.375,"end":1652.535,"confidence":0.99990225,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13954627513885498},{"word":"see","start":1652.535,"end":1652.775,"confidence":0.9992586,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1528073102235794},{"word":"all","start":1652.775,"end":1652.9349,"confidence":0.9996871,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1295003890991211},{"word":"your","start":1652.9349,"end":1653.095,"confidence":0.9980824,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12356682866811752},{"word":"individual","start":1653.095,"end":1653.595,"confidence":0.9993181,"punctuated_word":"individual","sentiment":"neutral","sentiment_score":0.13207419216632843},{"word":"investments","start":1653.735,"end":1654.235,"confidence":0.9404072,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.05747556313872337},{"word":"here","start":1654.295,"end":1654.795,"confidence":0.9978817,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.08696728944778442},{"word":"now","start":1654.855,"end":1655.175,"confidence":0.99964976,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.0549086257815361},{"word":"if","start":1655.175,"end":1655.495,"confidence":0.9972013,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0812339335680008},{"word":"i","start":1655.495,"end":1655.735,"confidence":0.9999155,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07580370455980301},{"word":"want","start":1655.735,"end":1655.975,"confidence":0.9987178,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.06675161421298981},{"word":"to","start":1655.975,"end":1656.0549,"confidence":0.99778384,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06458114087581635},{"word":"go","start":1656.0549,"end":1656.215,"confidence":0.99994266,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.07156086713075638},{"word":"and","start":1656.215,"end":1656.375,"confidence":0.9994271,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06298299878835678},{"word":"make","start":1656.375,"end":1656.615,"confidence":0.9999393,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.020247869193553925},{"word":"a","start":1656.615,"end":1656.775,"confidence":0.99857616,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03299853205680847},{"word":"change","start":1656.775,"end":1657.095,"confidence":0.90421754,"punctuated_word":"change,","sentiment":"neutral","sentiment_score":0.0299861840903759},{"word":"so","start":1657.095,"end":1657.175,"confidence":0.66533685,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":0.020927470177412033},{"word":"obviously","start":1657.175,"end":1657.495,"confidence":0.99627054,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.004825884476304054},{"word":"the","start":1657.495,"end":1657.655,"confidence":0.96929777,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02219172567129135},{"word":"investment","start":1657.655,"end":1658.135,"confidence":0.99849236,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.00277833640575409},{"word":"committee","start":1658.135,"end":1658.455,"confidence":0.8738079,"punctuated_word":"committee,","sentiment":"neutral","sentiment_score":0.01891375333070755},{"word":"if","start":1658.455,"end":1658.615,"confidence":0.99749064,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.011539153754711153},{"word":"we","start":1658.615,"end":1658.9349,"confidence":0.99936825,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03658207878470421},{"word":"we","start":1658.9349,"end":1659.175,"confidence":0.52353704,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03998805582523346},{"word":"do","start":1659.175,"end":1659.335,"confidence":0.99594384,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.033553801476955414},{"word":"all","start":1659.335,"end":1659.495,"confidence":0.9996196,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.06089629977941513},{"word":"the","start":1659.495,"end":1659.575,"confidence":0.99839145,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.021572016179561615},{"word":"research","start":1659.575,"end":1659.895,"confidence":0.99943393,"punctuated_word":"research","sentiment":"neutral","sentiment_score":-0.010241523385047913},{"word":"and","start":1659.895,"end":1660.0549,"confidence":0.7694901,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0029548630118370056},{"word":"we","start":1660.0549,"end":1660.295,"confidence":0.9218436,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.009485170245170592},{"word":"just","start":1660.295,"end":1660.535,"confidence":0.5178929,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.00356987863779068},{"word":"see","start":1660.535,"end":1660.695,"confidence":0.9933108,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.003609232604503632},{"word":"that","start":1660.695,"end":1660.855,"confidence":0.97704184,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.021064918488264084},{"word":"for","start":1660.855,"end":1661.015,"confidence":0.9999293,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.07657250761985779},{"word":"example","start":1661.015,"end":1661.415,"confidence":0.99902314,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":-0.04789339751005173},{"word":"bennelong","start":1661.415,"end":1661.915,"confidence":0.86663795,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":-0.09144330024719238},{"word":"might","start":1662.135,"end":1662.375,"confidence":0.9720676,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.09421008825302124},{"word":"not","start":1662.375,"end":1662.535,"confidence":0.9984143,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.10004984587430954},{"word":"be","start":1662.535,"end":1662.695,"confidence":0.9997837,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.06309043616056442},{"word":"the","start":1662.695,"end":1662.775,"confidence":0.9992079,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0630788505077362},{"word":"best","start":1662.775,"end":1663.015,"confidence":0.9997105,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.04560713469982147},{"word":"option","start":1663.015,"end":1663.335,"confidence":0.7735092,"punctuated_word":"option,","sentiment":"neutral","sentiment_score":-0.04307319596409798},{"word":"we","start":1663.335,"end":1663.495,"confidence":0.90134054,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.035462528467178345},{"word":"wanna","start":1663.495,"end":1663.895,"confidence":0.987715,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.14815637469291687},{"word":"change","start":1663.895,"end":1664.135,"confidence":0.9984395,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.15518750250339508},{"word":"it","start":1664.135,"end":1664.295,"confidence":0.9864478,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11498357355594636},{"word":"out","start":1664.295,"end":1664.455,"confidence":0.9804074,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.12272500991821288},{"word":"for","start":1664.455,"end":1664.615,"confidence":0.99970335,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12969470024108887},{"word":"you","start":1664.615,"end":1665.09,"confidence":0.874844,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.07616491615772247},{"word":"we","start":1665.25,"end":1665.4099,"confidence":0.9992023,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.11064644157886504},{"word":"would","start":1665.4099,"end":1665.57,"confidence":0.9999423,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.12531332671642303},{"word":"obviously","start":1665.57,"end":1666.0499,"confidence":0.9697566,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.11913807690143584},{"word":"go","start":1666.0499,"end":1666.2899,"confidence":0.9994511,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.14665837585926056},{"word":"and","start":1666.2899,"end":1666.45,"confidence":0.99775046,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1659545600414276},{"word":"do","start":1666.45,"end":1666.61,"confidence":0.99994206,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10737520456314088},{"word":"all","start":1666.61,"end":1666.77,"confidence":0.99943775,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.12956354022026062},{"word":"the","start":1666.77,"end":1666.9299,"confidence":0.9995449,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10492757707834244},{"word":"research","start":1666.9299,"end":1667.4099,"confidence":0.7515987,"punctuated_word":"research.","sentiment":"neutral","sentiment_score":0.03303077816963196},{"word":"but","start":1667.4099,"end":1667.8099,"confidence":0.9985353,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.05625319108366966},{"word":"to","start":1667.8099,"end":1667.89,"confidence":0.9853173,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05459357798099518},{"word":"make","start":1667.89,"end":1668.21,"confidence":0.99976057,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.05649844184517861},{"word":"a","start":1668.21,"end":1668.45,"confidence":0.6118781,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07487481832504272},{"word":"change","start":1668.45,"end":1668.95,"confidence":0.99906063,"punctuated_word":"change,","sentiment":"neutral","sentiment_score":0.05007988214492798},{"word":"i","start":1670.0499,"end":1670.21,"confidence":0.9982869,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04778599739074707},{"word":"would","start":1670.21,"end":1670.37,"confidence":0.99990237,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.03757259622216225},{"word":"have","start":1670.37,"end":1670.61,"confidence":0.9998858,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04494183138012886},{"word":"to","start":1670.61,"end":1670.69,"confidence":0.9991461,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06546337902545929},{"word":"put","start":1670.69,"end":1670.9299,"confidence":0.99995315,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.08372817188501358},{"word":"everything","start":1670.9299,"end":1671.4299,"confidence":0.9997738,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.11422906070947648},{"word":"in","start":1671.49,"end":1671.99,"confidence":0.9980306,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06701250374317169},{"word":"a","start":1672.13,"end":1672.2899,"confidence":0.6857113,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07578493654727936},{"word":"soa","start":1672.2899,"end":1672.77,"confidence":0.8650589,"punctuated_word":"SOA","sentiment":"neutral","sentiment_score":0.08845270425081253},{"word":"for","start":1672.77,"end":1673.01,"confidence":0.9979353,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09464317560195924},{"word":"you","start":1673.01,"end":1673.51,"confidence":0.89641464,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.07020989805459976},{"word":"go","start":1673.97,"end":1674.21,"confidence":0.9998306,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06452584266662598},{"word":"through","start":1674.21,"end":1674.45,"confidence":0.9999727,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.061858829110860825},{"word":"the","start":1674.45,"end":1674.69,"confidence":0.999495,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06786341965198517},{"word":"changes","start":1674.69,"end":1675.19,"confidence":0.99372137,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.04903516173362732},{"word":"and","start":1675.57,"end":1675.73,"confidence":0.9994672,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06104740500450134},{"word":"then","start":1675.73,"end":1675.97,"confidence":0.99994004,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07491215318441391},{"word":"you","start":1675.97,"end":1676.21,"confidence":0.9997776,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07387611269950867},{"word":"would","start":1676.21,"end":1676.45,"confidence":0.9998803,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.07123363018035889},{"word":"have","start":1676.45,"end":1676.69,"confidence":0.9998969,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.038244739174842834},{"word":"to","start":1676.69,"end":1676.85,"confidence":0.9994373,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04931405186653137},{"word":"sign","start":1676.85,"end":1677.09,"confidence":0.9996326,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.023537151515483856},{"word":"and","start":1677.09,"end":1677.4099,"confidence":0.9938338,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03812418133020401},{"word":"agree","start":1677.4099,"end":1677.8099,"confidence":0.99898225,"punctuated_word":"agree","sentiment":"neutral","sentiment_score":0.042298369109630585},{"word":"to","start":1677.8099,"end":1677.97,"confidence":0.9997856,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05562786012887955},{"word":"the","start":1677.97,"end":1678.13,"confidence":0.9995635,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.034070879220962524},{"word":"change","start":1678.13,"end":1678.5299,"confidence":0.99931467,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.03859923407435417},{"word":"before","start":1678.5299,"end":1678.9299,"confidence":0.99975604,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.03619832545518875},{"word":"i","start":1678.9299,"end":1679.09,"confidence":0.9999093,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06611058115959167},{"word":"can","start":1679.09,"end":1679.33,"confidence":0.9998822,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06466135382652283},{"word":"make","start":1679.33,"end":1679.57,"confidence":0.9998091,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.04313964396715164},{"word":"the","start":1679.57,"end":1679.73,"confidence":0.9986413,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05983904004096985},{"word":"change","start":1679.73,"end":1680.23,"confidence":0.99950343,"punctuated_word":"change.","sentiment":"neutral","sentiment_score":0.02863712422549725},{"word":"obviously","start":1680.825,"end":1681.3049,"confidence":0.9970578,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.02955755591392517},{"word":"that","start":1681.3049,"end":1681.625,"confidence":0.9984207,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08395200967788696},{"word":"process","start":1681.625,"end":1682.125,"confidence":0.99978095,"punctuated_word":"process","sentiment":"neutral","sentiment_score":0.11440535634756088},{"word":"does","start":1682.1849,"end":1682.4249,"confidence":0.9977028,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.05038919299840927},{"word":"take","start":1682.4249,"end":1682.6649,"confidence":0.9996835,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.057034023106098175},{"word":"a","start":1682.6649,"end":1682.825,"confidence":0.9998005,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0594039112329483},{"word":"little","start":1682.825,"end":1682.985,"confidence":0.9998822,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.023704491555690765},{"word":"bit","start":1682.985,"end":1683.145,"confidence":0.99770087,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.05315883457660675},{"word":"because","start":1683.145,"end":1683.3049,"confidence":0.91049343,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.044543713331222534},{"word":"it","start":1683.3049,"end":1683.465,"confidence":0.9996026,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09919264912605286},{"word":"is","start":1683.465,"end":1683.705,"confidence":0.99933237,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06745070219039917},{"word":"quite","start":1683.705,"end":1684.205,"confidence":0.99695253,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.12962289154529572},{"word":"compliant","start":1684.265,"end":1684.765,"confidence":0.7382942,"punctuated_word":"compliant","sentiment":"neutral","sentiment_score":0.0996549054980278},{"word":"and","start":1684.985,"end":1685.145,"confidence":0.9997445,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04984016716480255},{"word":"heavy","start":1685.145,"end":1685.5449,"confidence":0.9995016,"punctuated_word":"heavy","sentiment":"neutral","sentiment_score":0.11168573051691057},{"word":"from","start":1685.5449,"end":1685.865,"confidence":0.9977192,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.048173628747463226},{"word":"research","start":1685.865,"end":1686.365,"confidence":0.9864613,"punctuated_word":"research.","sentiment":"neutral","sentiment_score":0.008458103984594345},{"word":"so","start":1686.825,"end":1687.225,"confidence":0.9891209,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05336953699588776},{"word":"it","start":1687.225,"end":1687.385,"confidence":0.99916255,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11936221271753313},{"word":"does","start":1687.385,"end":1687.705,"confidence":0.99952865,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.06783893704414368},{"word":"take","start":1687.705,"end":1687.945,"confidence":0.9996094,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.04263436794281006},{"word":"a","start":1687.945,"end":1688.105,"confidence":0.99970716,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08585082739591599},{"word":"little","start":1688.105,"end":1688.345,"confidence":0.99981874,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.06806328147649765},{"word":"bit","start":1688.345,"end":1688.585,"confidence":0.8302515,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":0.0992094874382019},{"word":"which","start":1688.585,"end":1689.085,"confidence":0.99958915,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.0983908399939537},{"word":"it","start":1689.5449,"end":1689.625,"confidence":0.5772841,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1352621614933014},{"word":"gives","start":1689.625,"end":1689.865,"confidence":0.99938536,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.08224094659090042},{"word":"you","start":1689.865,"end":1690.105,"confidence":0.9997811,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11215665936470032},{"word":"the","start":1690.105,"end":1690.265,"confidence":0.9991553,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11718953400850296},{"word":"full","start":1690.265,"end":1690.505,"confidence":0.99988186,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.19088733196258545},{"word":"control","start":1690.505,"end":1690.985,"confidence":0.9998228,"punctuated_word":"control","sentiment":"neutral","sentiment_score":0.16053973138332367},{"word":"of","start":1690.985,"end":1691.145,"confidence":0.7625591,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11019762605428696},{"word":"the","start":1691.145,"end":1691.3049,"confidence":0.9970258,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08258728682994843},{"word":"change","start":1691.3049,"end":1691.625,"confidence":0.950824,"punctuated_word":"change,","sentiment":"neutral","sentiment_score":0.07839228957891464},{"word":"but","start":1691.625,"end":1691.865,"confidence":0.9997211,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.00638262927532196},{"word":"at","start":1691.865,"end":1692.025,"confidence":0.9899581,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.04432670772075653},{"word":"the","start":1692.025,"end":1692.1849,"confidence":0.9991492,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04430064558982849},{"word":"same","start":1692.1849,"end":1692.585,"confidence":0.9993734,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.029862292110919952},{"word":"time","start":1692.585,"end":1692.905,"confidence":0.9651579,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.04319542273879051},{"word":"it","start":1692.905,"end":1693.145,"confidence":0.98155504,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0374327078461647},{"word":"sometimes","start":1693.145,"end":1693.625,"confidence":0.72612685,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":-0.10988572984933852},{"word":"a","start":1693.625,"end":1693.705,"confidence":0.972073,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10081639885902403},{"word":"bit","start":1693.705,"end":1693.865,"confidence":0.9975969,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.13726645708084106},{"word":"of","start":1693.865,"end":1694.025,"confidence":0.9920412,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16739293932914734},{"word":"a","start":1694.025,"end":1694.265,"confidence":0.9771712,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1927808523178101},{"word":"lagging","start":1694.265,"end":1694.6649,"confidence":0.9985087,"punctuated_word":"lagging","sentiment":"neutral","sentiment_score":-0.2713153064250946},{"word":"effect","start":1694.6649,"end":1694.985,"confidence":0.9926916,"punctuated_word":"effect","sentiment":"neutral","sentiment_score":-0.2404516637325287},{"word":"because","start":1694.985,"end":1695.225,"confidence":0.9551707,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.14467494189739227},{"word":"it","start":1695.225,"end":1695.465,"confidence":0.9958747,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.14132191240787506},{"word":"takes","start":1695.465,"end":1695.705,"confidence":0.9927678,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":-0.1232765018939972},{"word":"a","start":1695.705,"end":1695.865,"confidence":0.98062414,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15529216825962067},{"word":"little","start":1695.865,"end":1696.025,"confidence":0.9935813,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.14864718914031982},{"word":"bit","start":1696.025,"end":1696.23,"confidence":0.86560583,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.11256755888462068},{"word":"to","start":1696.23,"end":1696.39,"confidence":0.9882585,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11946479976177216},{"word":"do","start":1696.39,"end":1696.89,"confidence":0.9814311,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":-0.134982630610466},{"word":"and","start":1697.91,"end":1698.15,"confidence":0.80810547,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.03851998969912529},{"word":"obviously","start":1698.15,"end":1698.5499,"confidence":0.99968207,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.04031972587108612},{"word":"things","start":1698.5499,"end":1698.87,"confidence":0.89973605,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.06551913917064667},{"word":"with","start":1698.87,"end":1699.11,"confidence":0.99829406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.09449227154254912},{"word":"market","start":1699.11,"end":1699.59,"confidence":0.99916744,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.15197071433067322},{"word":"fluctuations","start":1699.59,"end":1700.09,"confidence":0.78948855,"punctuated_word":"fluctuations,","sentiment":"neutral","sentiment_score":-0.06634413450956345},{"word":"sometimes","start":1700.3099,"end":1700.79,"confidence":0.99847287,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":-0.05716685950756073},{"word":"you","start":1700.79,"end":1701.03,"confidence":0.9324886,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0558900460600853},{"word":"wanna","start":1701.03,"end":1701.35,"confidence":0.9904412,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.04734758287668228},{"word":"react","start":1701.35,"end":1701.6699,"confidence":0.9992906,"punctuated_word":"react","sentiment":"neutral","sentiment_score":-0.0733887106180191},{"word":"quickly","start":1701.6699,"end":1702.1699,"confidence":0.9037909,"punctuated_word":"quickly,","sentiment":"neutral","sentiment_score":-0.05724429339170456},{"word":"but","start":1702.23,"end":1702.47,"confidence":0.9606284,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.032343924045562744},{"word":"obviously","start":1702.47,"end":1702.87,"confidence":0.9999306,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.028866663575172424},{"word":"a","start":1702.87,"end":1702.95,"confidence":0.9992483,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01815841719508171},{"word":"lot","start":1702.95,"end":1703.11,"confidence":0.99988234,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.005055584013462067},{"word":"of","start":1703.11,"end":1703.19,"confidence":0.99973005,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.011233881115913393},{"word":"it","start":1703.19,"end":1703.35,"confidence":0.99945647,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.010541774332523346},{"word":"is","start":1703.35,"end":1703.59,"confidence":0.9995016,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.004408933222293854},{"word":"kind","start":1703.59,"end":1703.75,"confidence":0.9924878,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.02056269347667694},{"word":"of","start":1703.75,"end":1703.91,"confidence":0.9998203,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01674780249595642},{"word":"long","start":1703.91,"end":1704.15,"confidence":0.9646176,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.02293403446674347},{"word":"term","start":1704.15,"end":1704.47,"confidence":0.96103287,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.005348511040210724},{"word":"investment","start":1704.47,"end":1704.97,"confidence":0.94899946,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":-0.049803219735622406},{"word":"now","start":1705.27,"end":1705.77,"confidence":0.99713326,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.01591261848807335},{"word":"how","start":1706.15,"end":1706.39,"confidence":0.98579794,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.01151063572615385},{"word":"the","start":1706.39,"end":1706.71,"confidence":0.918535,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008614798076450825},{"word":"sma","start":1706.71,"end":1707.21,"confidence":0.86561805,"punctuated_word":"SMA?","sentiment":"neutral","sentiment_score":0.026922469958662987},{"word":"yeah","start":1710.025,"end":1710.525,"confidence":0.9796148,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.006445169448852539},{"word":"no","start":1713.0651,"end":1713.5651,"confidence":0.6898916,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14422452449798584},{"word":"that's","start":1716.905,"end":1717.2251,"confidence":0.9187224,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.05399327725172043},{"word":"okay","start":1717.2251,"end":1717.7251,"confidence":0.99916446,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.18292579054832456},{"word":"yes","start":1723.08,"end":1723.58,"confidence":0.7497789,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.14139270782470703},{"word":"yeah","start":1729.7999,"end":1730.2999,"confidence":0.9927443,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10480060428380966},{"word":"it","start":1730.6,"end":1730.84,"confidence":0.9811044,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.04593215882778168},{"word":"had","start":1730.84,"end":1731.08,"confidence":0.9894008,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.07315584272146225},{"word":"done","start":1731.08,"end":1731.3999,"confidence":0.9990219,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.09902630746364594},{"word":"so","start":1731.3999,"end":1731.6399,"confidence":0.9992888,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08519657701253891},{"word":"well","start":1731.6399,"end":1732.1399,"confidence":0.9997413,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.07901357859373093},{"word":"yes","start":1732.7749,"end":1733.2749,"confidence":0.9296671,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10918612778186798},{"word":"yes","start":1733.575,"end":1734.075,"confidence":0.94171035,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10571178793907166},{"word":"pretty","start":1737.815,"end":1738.0549,"confidence":0.8162527,"punctuated_word":"Pretty","sentiment":"neutral","sentiment_score":0.08771653473377228},{"word":"high","start":1738.0549,"end":1738.375,"confidence":0.99703896,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.04029630124568939},{"word":"holding","start":1738.375,"end":1738.875,"confidence":0.9806335,"punctuated_word":"holding.","sentiment":"neutral","sentiment_score":0.01803731732070446},{"word":"yes","start":1739.095,"end":1739.595,"confidence":0.8039707,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.09600621461868286},{"word":"exactly","start":1739.975,"end":1740.475,"confidence":0.9359243,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.11725494265556335},{"word":"yes","start":1743.015,"end":1743.515,"confidence":0.7844183,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.13492780923843384},{"word":"exactly","start":1744.87,"end":1745.37,"confidence":0.8954146,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.10006725043058395},{"word":"which","start":1745.4299,"end":1745.6699,"confidence":0.9908319,"punctuated_word":"Which","sentiment":"neutral","sentiment_score":0.05847284197807312},{"word":"is","start":1745.6699,"end":1745.83,"confidence":0.9965833,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04425395652651787},{"word":"why","start":1745.83,"end":1746.3099,"confidence":0.9934282,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.04185830429196358},{"word":"so","start":1747.51,"end":1747.59,"confidence":0.68518937,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04228151589632034},{"word":"i","start":1747.59,"end":1747.75,"confidence":0.85853773,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.032996077090501785},{"word":"know","start":1747.75,"end":1747.9099,"confidence":0.9604506,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.0482090599834919},{"word":"i'm","start":1747.9099,"end":1748.15,"confidence":0.7648256,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.042304590344429016},{"word":"very","start":1748.15,"end":1748.39,"confidence":0.7985174,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.027115091681480408},{"word":"mindful","start":1748.39,"end":1748.7899,"confidence":0.99970394,"punctuated_word":"mindful","sentiment":"neutral","sentiment_score":0.02592068910598755},{"word":"of","start":1748.7899,"end":1748.87,"confidence":0.9608744,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.043368369340896606},{"word":"you","start":1748.87,"end":1749.03,"confidence":0.9093686,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.042978547513484955},{"word":"leaving","start":1749.03,"end":1749.27,"confidence":0.81923187,"punctuated_word":"leaving,","sentiment":"neutral","sentiment_score":0.025525694712996483},{"word":"so","start":1749.27,"end":1749.4299,"confidence":0.99587834,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.039296600967645645},{"word":"i","start":1749.4299,"end":1749.51,"confidence":0.99800926,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04821819067001343},{"word":"just","start":1749.51,"end":1749.6699,"confidence":0.999671,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04505318775773048},{"word":"wanted","start":1749.6699,"end":1749.99,"confidence":0.9965603,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.04358186572790146},{"word":"to","start":1749.99,"end":1750.15,"confidence":0.99701583,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04535385221242905},{"word":"check","start":1750.15,"end":1750.65,"confidence":0.74024594,"punctuated_word":"check.","sentiment":"neutral","sentiment_score":0.06199456006288528},{"word":"sma","start":1750.71,"end":1751.19,"confidence":0.94331294,"punctuated_word":"SMA,","sentiment":"neutral","sentiment_score":0.030286191031336784},{"word":"how","start":1751.19,"end":1751.35,"confidence":0.99906045,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.03795616328716278},{"word":"it's","start":1751.35,"end":1751.59,"confidence":0.98557985,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03382231295108795},{"word":"different","start":1751.59,"end":1751.9099,"confidence":0.9997377,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.022855408489704132},{"word":"is","start":1751.9099,"end":1752.07,"confidence":0.82804775,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.022137314081192017},{"word":"that","start":1752.07,"end":1752.23,"confidence":0.9975515,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.014239676296710968},{"word":"you","start":1752.23,"end":1752.39,"confidence":0.99977607,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013982448726892471},{"word":"invest","start":1752.39,"end":1752.7899,"confidence":0.99800736,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.014106782153248789},{"word":"in","start":1752.7899,"end":1752.95,"confidence":0.99954295,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.011448906734585762},{"word":"a","start":1752.95,"end":1753.11,"confidence":0.99418515,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.013586139306426048},{"word":"portfolio","start":1753.11,"end":1753.61,"confidence":0.94546247,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.010778021067380903},{"word":"now","start":1753.99,"end":1754.3099,"confidence":0.99716705,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.008833631873130798},{"word":"we","start":1754.3099,"end":1754.63,"confidence":0.99744034,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.007746957242488861},{"word":"invest","start":1754.63,"end":1755.13,"confidence":0.9981907,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.007900943979620934},{"word":"we","start":1755.6699,"end":1755.9099,"confidence":0.9500433,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.006191818043589592},{"word":"black","start":1755.9099,"end":1756.4099,"confidence":0.25545004,"punctuated_word":"black","sentiment":"neutral","sentiment_score":0.010271776467561722},{"word":"with","start":1757.3451,"end":1757.505,"confidence":0.9990458,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.016161523759365082},{"word":"that","start":1757.505,"end":1757.8251,"confidence":0.91413695,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.02693065069615841},{"word":"so","start":1757.8251,"end":1758.0651,"confidence":0.9994388,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03713899105787277},{"word":"we","start":1758.0651,"end":1758.4651,"confidence":0.99964535,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.041711244732141495},{"word":"joined","start":1758.4651,"end":1758.785,"confidence":0.60064805,"punctuated_word":"joined","sentiment":"neutral","sentiment_score":0.033466387540102005},{"word":"their","start":1758.785,"end":1759.025,"confidence":0.9974015,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.043766047805547714},{"word":"investment","start":1759.025,"end":1759.505,"confidence":0.99947625,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.03395874798297882},{"word":"committee","start":1759.505,"end":1759.985,"confidence":0.9992472,"punctuated_word":"committee","sentiment":"neutral","sentiment_score":0.06206870824098587},{"word":"along","start":1759.985,"end":1760.385,"confidence":0.9560951,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.050295088440179825},{"word":"with","start":1760.385,"end":1760.7051,"confidence":0.9988422,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03997611999511719},{"word":"our","start":1760.7051,"end":1760.9451,"confidence":0.9994592,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.05086391419172287},{"word":"investment","start":1760.9451,"end":1761.425,"confidence":0.9992212,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.029367372393608093},{"word":"committee","start":1761.425,"end":1761.925,"confidence":0.9991418,"punctuated_word":"committee","sentiment":"neutral","sentiment_score":0.04599517211318016},{"word":"to","start":1762.0651,"end":1762.305,"confidence":0.99312395,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.028145113959908485},{"word":"come","start":1762.305,"end":1762.4651,"confidence":0.99975127,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.04912428557872772},{"word":"up","start":1762.4651,"end":1762.7051,"confidence":0.9942267,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.03467624634504318},{"word":"with","start":1762.7051,"end":1762.785,"confidence":0.99237424,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0226972084492445},{"word":"the","start":1762.785,"end":1762.865,"confidence":0.45729852,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02498835325241089},{"word":"investment","start":1762.865,"end":1763.3451,"confidence":0.651102,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.015431908890604973},{"word":"in","start":1763.3451,"end":1763.505,"confidence":0.9979048,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03186127543449402},{"word":"the","start":1763.505,"end":1763.665,"confidence":0.9966281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03098536655306816},{"word":"estimate","start":1763.665,"end":1764.165,"confidence":0.7377541,"punctuated_word":"estimate.","sentiment":"neutral","sentiment_score":0.04075217992067337},{"word":"the","start":1764.4651,"end":1764.865,"confidence":0.92326766,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.021907158195972443},{"word":"the","start":1764.865,"end":1765.105,"confidence":0.8973178,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01869446039199829},{"word":"biggest","start":1765.105,"end":1765.605,"confidence":0.66502094,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":0.03672080487012863},{"word":"benefit","start":1765.745,"end":1766.245,"confidence":0.99896157,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.09041165560483932},{"word":"is","start":1766.385,"end":1766.625,"confidence":0.9997243,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1216828003525734},{"word":"that","start":1766.625,"end":1766.9451,"confidence":0.999721,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14273521304130554},{"word":"we","start":1766.9451,"end":1767.105,"confidence":0.99938536,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07928667962551117},{"word":"can","start":1767.105,"end":1767.425,"confidence":0.999496,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12349318712949751},{"word":"chop","start":1767.425,"end":1767.665,"confidence":0.93460935,"punctuated_word":"chop","sentiment":"neutral","sentiment_score":0.09586873650550842},{"word":"and","start":1767.665,"end":1767.905,"confidence":0.99733895,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08305450528860092},{"word":"change","start":1767.905,"end":1768.225,"confidence":0.999734,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.12014351040124892},{"word":"investments","start":1768.225,"end":1768.725,"confidence":0.61366445,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.018435902893543243},{"word":"straight","start":1768.785,"end":1769.105,"confidence":0.97403663,"punctuated_word":"straight","sentiment":"neutral","sentiment_score":0.01391439139842987},{"word":"away","start":1769.105,"end":1769.605,"confidence":0.68335587,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.09579445421695708},{"word":"because","start":1769.985,"end":1770.305,"confidence":0.80351514,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.11437057703733444},{"word":"you","start":1770.305,"end":1770.4651,"confidence":0.9999229,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08613309264183044},{"word":"are","start":1770.4651,"end":1770.625,"confidence":0.9688394,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.05820334702730179},{"word":"just","start":1770.625,"end":1770.865,"confidence":0.99974316,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.05138002708554268},{"word":"invested","start":1770.865,"end":1771.3451,"confidence":0.9967949,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":-0.01458657905459404},{"word":"in","start":1771.3451,"end":1771.505,"confidence":0.9997285,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01073482632637024},{"word":"a","start":1771.505,"end":1771.5851,"confidence":0.9969241,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.034973204135894775},{"word":"portfolio","start":1771.5851,"end":1772.0851,"confidence":0.9989751,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.009366903454065325},{"word":"yes","start":1775.86,"end":1776.36,"confidence":0.8065228,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08542424440383911},{"word":"we","start":1776.6599,"end":1776.82,"confidence":0.96676654,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.0975458025932312},{"word":"can","start":1776.82,"end":1777.0599,"confidence":0.9994837,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1030786857008934},{"word":"talk","start":1777.0599,"end":1777.22,"confidence":0.99888116,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.0872703492641449},{"word":"a","start":1777.22,"end":1777.38,"confidence":0.99928254,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06453017890453339},{"word":"little","start":1777.38,"end":1777.62,"confidence":0.99984646,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.06857840716838837},{"word":"bit","start":1777.62,"end":1777.86,"confidence":0.99950945,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.05953768640756607},{"word":"more","start":1777.86,"end":1778.26,"confidence":0.9849546,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":0.06871581077575684},{"word":"yes","start":1778.26,"end":1778.76,"confidence":0.9915856,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.15799066424369812},{"word":"yep","start":1779.14,"end":1779.64,"confidence":0.96452653,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.032087311148643494},{"word":"often","start":1786.235,"end":1786.735,"confidence":0.71127206,"punctuated_word":"Often,","sentiment":"neutral","sentiment_score":-0.0463450662791729},{"word":"it's","start":1786.7949,"end":1787.2949,"confidence":0.9898832,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.05351307988166809},{"word":"insurances","start":1787.755,"end":1788.255,"confidence":0.98498666,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.06952105462551117},{"word":"and","start":1789.5149,"end":1789.9149,"confidence":0.87630314,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06287588179111481},{"word":"other","start":1789.9149,"end":1790.4149,"confidence":0.95644206,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.042237989604473114},{"word":"investment","start":1790.475,"end":1790.975,"confidence":0.98515934,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.05247246474027634},{"word":"fees","start":1791.0349,"end":1791.5149,"confidence":0.99480593,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":-0.04674135521054268},{"word":"admin","start":1791.5149,"end":1791.9149,"confidence":0.9994523,"punctuated_word":"admin","sentiment":"neutral","sentiment_score":-0.05759171023964882},{"word":"fees","start":1791.9149,"end":1792.235,"confidence":0.96928596,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":-0.05759541690349579},{"word":"and","start":1792.235,"end":1792.3949,"confidence":0.99951625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04972425103187561},{"word":"stuff","start":1792.3949,"end":1792.6349,"confidence":0.9996183,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":-0.06008615717291832},{"word":"like","start":1792.6349,"end":1792.875,"confidence":0.9993106,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.05657949298620224},{"word":"that","start":1792.875,"end":1793.375,"confidence":0.99827075,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.061229903250932693},{"word":"my","start":1793.6749,"end":1793.995,"confidence":0.99887913,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.19932879507541656},{"word":"screen","start":1793.995,"end":1794.3949,"confidence":0.99967444,"punctuated_word":"screen","sentiment":"neutral","sentiment_score":-0.25580069422721863},{"word":"has","start":1794.3949,"end":1794.5549,"confidence":0.9986412,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.2708778977394104},{"word":"just","start":1794.5549,"end":1794.875,"confidence":0.9997999,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.28507131338119507},{"word":"frozen","start":1794.875,"end":1795.355,"confidence":0.9835617,"punctuated_word":"frozen","sentiment":"neutral","sentiment_score":-0.2510441243648529},{"word":"at","start":1795.355,"end":1795.595,"confidence":0.9994312,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.32426899671554565},{"word":"the","start":1795.595,"end":1795.755,"confidence":0.99918014,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.25298601388931274},{"word":"moment","start":1795.755,"end":1796.255,"confidence":0.9962933,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.18307112157344815},{"word":"i","start":1803.37,"end":1803.87,"confidence":0.6967158,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2294600605964661},{"word":"can","start":1804.73,"end":1804.8099,"confidence":0.5616608,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.00897853821516037},{"word":"what","start":1805.0499,"end":1805.21,"confidence":0.9723427,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.006665542721748352},{"word":"i","start":1805.21,"end":1805.37,"confidence":0.9992119,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01061861217021942},{"word":"can","start":1805.37,"end":1805.61,"confidence":0.999933,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.017070554196834564},{"word":"do","start":1805.61,"end":1805.85,"confidence":0.9998099,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.023795001208782196},{"word":"is","start":1805.85,"end":1806.09,"confidence":0.9991854,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.033516980707645416},{"word":"i","start":1806.09,"end":1806.33,"confidence":0.9882498,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04960409924387932},{"word":"can","start":1806.33,"end":1806.83,"confidence":0.99591357,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06785324960947037},{"word":"pull","start":1807.0499,"end":1807.5499,"confidence":0.97998613,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":0.06683656573295593},{"word":"a","start":1807.61,"end":1807.85,"confidence":0.9982697,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05557151883840561},{"word":"withdrawal","start":1807.85,"end":1808.33,"confidence":0.99189717,"punctuated_word":"withdrawal","sentiment":"neutral","sentiment_score":0.020367294549942017},{"word":"of","start":1808.33,"end":1808.4099,"confidence":0.8428187,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.023699209094047543},{"word":"report","start":1808.4099,"end":1808.73,"confidence":0.6292684,"punctuated_word":"report","sentiment":"neutral","sentiment_score":0.020891673862934113},{"word":"from","start":1808.73,"end":1808.97,"confidence":0.99964106,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.05504287034273147},{"word":"hub","start":1808.97,"end":1809.21,"confidence":0.6232414,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.06124230846762657},{"word":"twenty","start":1809.21,"end":1809.45,"confidence":0.97112954,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.08814068138599396},{"word":"four","start":1809.45,"end":1809.61,"confidence":0.9990476,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.08249036222696304},{"word":"and","start":1809.61,"end":1809.69,"confidence":0.96487004,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06952154636383057},{"word":"email","start":1809.69,"end":1810.01,"confidence":0.99922633,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.0420738160610199},{"word":"it","start":1810.01,"end":1810.09,"confidence":0.759085,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07231979072093964},{"word":"to","start":1810.09,"end":1810.25,"confidence":0.7009379,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07854858040809631},{"word":"you","start":1810.25,"end":1810.4099,"confidence":0.9961224,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07169251143932343},{"word":"as","start":1810.4099,"end":1810.6499,"confidence":0.9964181,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0868825763463974},{"word":"well","start":1810.6499,"end":1810.965,"confidence":0.7416437,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.037759847939014435},{"word":"just","start":1811.0449,"end":1811.125,"confidence":0.7884017,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.008848827332258224},{"word":"because","start":1811.125,"end":1811.365,"confidence":0.9801286,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.003052476793527603},{"word":"it's","start":1811.365,"end":1811.445,"confidence":0.9005586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.01590295508503914},{"word":"kind","start":1811.445,"end":1811.765,"confidence":0.8221525,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.02408927120268345},{"word":"of","start":1811.765,"end":1811.9249,"confidence":0.9977463,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06631285697221756},{"word":"froze","start":1811.9249,"end":1812.245,"confidence":0.6601305,"punctuated_word":"froze","sentiment":"neutral","sentiment_score":-0.08367002010345459},{"word":"frozen","start":1812.245,"end":1812.725,"confidence":0.72614926,"punctuated_word":"frozen","sentiment":"neutral","sentiment_score":-0.029694467782974243},{"word":"at","start":1812.725,"end":1812.885,"confidence":0.99031246,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.02928275614976883},{"word":"the","start":1812.885,"end":1813.0449,"confidence":0.99914014,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.016988500952720642},{"word":"moment","start":1813.0449,"end":1813.5449,"confidence":0.97467595,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.010398445650935171},{"word":"now","start":1813.765,"end":1814.005,"confidence":0.9993437,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.015571102499961851},{"word":"when","start":1814.005,"end":1814.245,"confidence":0.9882373,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.037297528237104416},{"word":"is","start":1814.245,"end":1814.4049,"confidence":0.9991358,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04516182467341423},{"word":"a","start":1814.4049,"end":1814.485,"confidence":0.97838897,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06272752583026886},{"word":"good","start":1814.485,"end":1814.725,"confidence":0.99997675,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.052963897585868835},{"word":"time","start":1814.725,"end":1815.0449,"confidence":0.9998821,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.08325256407260895},{"word":"for","start":1815.0449,"end":1815.205,"confidence":0.99895966,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09889937937259674},{"word":"me","start":1815.205,"end":1815.445,"confidence":0.9999565,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.07073438912630081},{"word":"to","start":1815.445,"end":1815.605,"confidence":0.9997806,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08462899178266525},{"word":"just","start":1815.605,"end":1815.845,"confidence":0.99856406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08870366215705872},{"word":"kind","start":1815.845,"end":1815.965,"confidence":0.5671832,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.06100402772426605},{"word":"of","start":1815.965,"end":1816.085,"confidence":0.9952577,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08695191144943237},{"word":"finish","start":1816.085,"end":1816.565,"confidence":0.9996489,"punctuated_word":"finish","sentiment":"neutral","sentiment_score":0.040719714015722275},{"word":"off","start":1816.565,"end":1816.885,"confidence":0.9828457,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.053986817598342896},{"word":"this","start":1816.885,"end":1817.385,"confidence":0.9993236,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.07577875256538391},{"word":"call","start":1818.1649,"end":1818.485,"confidence":0.789104,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.05778871849179268},{"word":"with","start":1818.485,"end":1818.725,"confidence":0.97751164,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08358568698167801},{"word":"you","start":1818.725,"end":1818.965,"confidence":0.94833964,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.050841473042964935},{"word":"should","start":1818.965,"end":1819.205,"confidence":0.8634841,"punctuated_word":"Should","sentiment":"neutral","sentiment_score":0.05145718902349472},{"word":"only","start":1819.205,"end":1819.525,"confidence":0.9624268,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.041348595172166824},{"word":"maybe","start":1819.525,"end":1820.005,"confidence":0.9261513,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.027276240289211273},{"word":"be","start":1820.005,"end":1820.325,"confidence":0.9809941,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.031360600143671036},{"word":"another","start":1820.325,"end":1820.825,"confidence":0.99438334,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.024565082043409348},{"word":"fifteen","start":1822.325,"end":1822.8049,"confidence":0.99742836,"punctuated_word":"fifteen","sentiment":"neutral","sentiment_score":0.044544875621795654},{"word":"minutes","start":1822.8049,"end":1823.3049,"confidence":0.99976295,"punctuated_word":"minutes","sentiment":"neutral","sentiment_score":0.04217877238988876},{"word":"to","start":1823.445,"end":1823.605,"confidence":0.9995478,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.027643796056509014},{"word":"kind","start":1823.605,"end":1823.845,"confidence":0.99759454,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.02431347966194153},{"word":"of","start":1823.845,"end":1824.005,"confidence":0.9997658,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.025984909385442737},{"word":"go","start":1824.005,"end":1824.245,"confidence":0.9998035,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.04676143452525139},{"word":"through","start":1824.245,"end":1824.485,"confidence":0.99982846,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.029298745095729828},{"word":"the","start":1824.485,"end":1824.645,"confidence":0.99929285,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.040275853127241135},{"word":"rest","start":1824.645,"end":1824.885,"confidence":0.9999219,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.05204659700393677},{"word":"of","start":1824.885,"end":1825.0449,"confidence":0.9985134,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03344700112938881},{"word":"there","start":1825.0449,"end":1825.5449,"confidence":0.63581324,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.03914415091276169},{"word":"yep","start":1825.62,"end":1826.12,"confidence":0.91588116,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13694828748703003},{"word":"perfect","start":1829.62,"end":1830.12,"confidence":0.9984664,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3450946807861328},{"word":"now","start":1830.82,"end":1831.22,"confidence":0.96340334,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.026777971535921097},{"word":"now","start":1831.22,"end":1831.46,"confidence":0.5264272,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.015941211953759193},{"word":"when","start":1831.46,"end":1831.96,"confidence":0.98823535,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.018746504560112953},{"word":"next","start":1832.42,"end":1832.66,"confidence":0.74327916,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.013966197147965431},{"word":"week","start":1832.66,"end":1833.16,"confidence":0.8168957,"punctuated_word":"week?","sentiment":"neutral","sentiment_score":0.010945317335426807},{"word":"sorry","start":1833.3,"end":1833.8,"confidence":0.98719823,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.029469143599271774},{"word":"do","start":1833.94,"end":1834.1,"confidence":0.9771085,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.02311275526881218},{"word":"you","start":1834.1,"end":1834.18,"confidence":0.9984366,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.011697344481945038},{"word":"prefer","start":1834.18,"end":1834.68,"confidence":0.9994067,"punctuated_word":"prefer","sentiment":"neutral","sentiment_score":0.0009255409240722656},{"word":"same","start":1835.38,"end":1835.62,"confidence":0.86765426,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.0011038780212402344},{"word":"time","start":1835.62,"end":1835.86,"confidence":0.9997044,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.005922343581914902},{"word":"as","start":1835.86,"end":1836.1,"confidence":0.9980521,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.022469162940979004},{"word":"now","start":1836.1,"end":1836.6,"confidence":0.99881566,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":-0.002033442258834839},{"word":"so","start":1842.355,"end":1842.755,"confidence":0.9292607,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.026316389441490173},{"word":"tuesday","start":1842.755,"end":1843.235,"confidence":0.9800562,"punctuated_word":"Tuesday","sentiment":"neutral","sentiment_score":0.03970355540513992},{"word":"afternoon","start":1843.235,"end":1843.715,"confidence":0.9326011,"punctuated_word":"afternoon,","sentiment":"neutral","sentiment_score":0.05355127900838852},{"word":"i","start":1843.715,"end":1843.795,"confidence":0.99980885,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04749145731329918},{"word":"am","start":1843.795,"end":1843.955,"confidence":0.9995844,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.06585647165775299},{"word":"fully","start":1843.955,"end":1844.275,"confidence":0.9995074,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.09214535355567932},{"word":"booked","start":1844.275,"end":1844.515,"confidence":0.96821547,"punctuated_word":"booked,","sentiment":"neutral","sentiment_score":0.034272752702236176},{"word":"but","start":1844.515,"end":1844.675,"confidence":0.9991223,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.026532184332609177},{"word":"i","start":1844.675,"end":1844.835,"confidence":0.99979466,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03618238493800163},{"word":"can","start":1844.835,"end":1844.995,"confidence":0.99985135,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04597661271691322},{"word":"do","start":1844.995,"end":1845.3151,"confidence":0.9962845,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03354329243302345},{"word":"monday","start":1845.3151,"end":1845.715,"confidence":0.99937147,"punctuated_word":"Monday","sentiment":"neutral","sentiment_score":0.03562505543231964},{"word":"afternoon","start":1845.715,"end":1846.215,"confidence":0.9997482,"punctuated_word":"afternoon","sentiment":"neutral","sentiment_score":0.06028570234775543},{"word":"or","start":1846.275,"end":1846.435,"confidence":0.9968618,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04935174435377121},{"word":"wednesday","start":1846.435,"end":1846.935,"confidence":0.99993885,"punctuated_word":"Wednesday","sentiment":"neutral","sentiment_score":0.06309951841831207},{"word":"afternoon","start":1846.995,"end":1847.495,"confidence":0.81017464,"punctuated_word":"afternoon,","sentiment":"neutral","sentiment_score":0.07902742177248001},{"word":"same","start":1847.715,"end":1847.955,"confidence":0.9912025,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.09474196285009384},{"word":"time","start":1847.955,"end":1848.1951,"confidence":0.99952877,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.06313452869653702},{"word":"as","start":1848.1951,"end":1848.435,"confidence":0.99888426,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10994650423526764},{"word":"we","start":1848.435,"end":1848.595,"confidence":0.9991141,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08704408258199692},{"word":"did","start":1848.595,"end":1848.835,"confidence":0.99972504,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.0704873651266098},{"word":"today","start":1848.835,"end":1849.335,"confidence":0.91868836,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.0718095600605011},{"word":"let","start":1855.3301,"end":1855.5701,"confidence":0.9443636,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.03203628957271576},{"word":"me","start":1855.5701,"end":1855.81,"confidence":0.9988674,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.03633073717355728},{"word":"see","start":1855.81,"end":1856.31,"confidence":0.975911,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.02731574885547161},{"word":"three","start":1856.93,"end":1857.43,"confidence":0.49059886,"punctuated_word":"Three.","sentiment":"neutral","sentiment_score":0.02622903883457184},{"word":"yeah","start":1859.81,"end":1860.13,"confidence":0.80534315,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.026445379480719566},{"word":"i","start":1860.13,"end":1860.37,"confidence":0.99315214,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05802159383893013},{"word":"i","start":1860.37,"end":1860.53,"confidence":0.9865997,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0485418476164341},{"word":"can","start":1860.53,"end":1860.93,"confidence":0.9988098,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06585075706243515},{"word":"i","start":1860.93,"end":1861.09,"confidence":0.99416107,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05466730147600174},{"word":"can","start":1861.09,"end":1861.3301,"confidence":0.9959533,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07209555059671402},{"word":"shuffle","start":1861.3301,"end":1861.65,"confidence":0.9950793,"punctuated_word":"shuffle","sentiment":"neutral","sentiment_score":0.06668611615896225},{"word":"a","start":1861.65,"end":1861.73,"confidence":0.9957337,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06739389896392822},{"word":"few","start":1861.73,"end":1861.89,"confidence":0.9999659,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.0461699515581131},{"word":"things","start":1861.89,"end":1862.13,"confidence":0.9998621,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.049219660460948944},{"word":"around","start":1862.13,"end":1862.37,"confidence":0.9146305,"punctuated_word":"around,","sentiment":"neutral","sentiment_score":0.05211038142442703},{"word":"and","start":1862.37,"end":1862.6901,"confidence":0.9993482,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.045133788138628006},{"word":"we","start":1862.6901,"end":1862.77,"confidence":0.89751875,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04739055782556534},{"word":"can","start":1862.77,"end":1862.93,"confidence":0.5321945,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06988862156867981},{"word":"i","start":1863.01,"end":1863.09,"confidence":0.99957913,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05846581980586052},{"word":"can","start":1863.09,"end":1863.25,"confidence":0.99916935,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06910456717014313},{"word":"make","start":1863.25,"end":1863.41,"confidence":0.99970526,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.09389796853065492},{"word":"that","start":1863.41,"end":1863.65,"confidence":0.9997422,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09837135672569276},{"word":"work","start":1863.65,"end":1863.945,"confidence":0.9994858,"punctuated_word":"work?","sentiment":"neutral","sentiment_score":0.08070187270641327},{"word":"yep","start":1864.105,"end":1864.4249,"confidence":0.76351166,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05435854196548462},{"word":"that","start":1864.4249,"end":1864.6649,"confidence":0.9381732,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.08914067596197128},{"word":"is","start":1864.6649,"end":1864.9049,"confidence":0.999913,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09191835671663284},{"word":"no","start":1864.9049,"end":1865.1449,"confidence":0.9984629,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.1849815994501114},{"word":"problem","start":1865.1449,"end":1865.6449,"confidence":0.9996972,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.1845260113477707},{"word":"so","start":1865.865,"end":1866.0249,"confidence":0.9980844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10437749326229095},{"word":"that","start":1866.0249,"end":1866.2649,"confidence":0.99979264,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08903996646404266},{"word":"is","start":1866.2649,"end":1866.7649,"confidence":0.9999387,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07537253201007843},{"word":"monday","start":1866.985,"end":1867.3849,"confidence":0.9934261,"punctuated_word":"Monday","sentiment":"neutral","sentiment_score":0.0809120386838913},{"word":"the","start":1867.3849,"end":1867.5449,"confidence":0.616605,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06862585246562958},{"word":"thirtieth","start":1867.5449,"end":1868.0449,"confidence":0.9857618,"punctuated_word":"thirtieth,","sentiment":"neutral","sentiment_score":0.06592821329832077},{"word":"and","start":1868.6649,"end":1868.825,"confidence":0.6708248,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04731649532914162},{"word":"that","start":1868.825,"end":1869.065,"confidence":0.9996315,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06193599849939346},{"word":"is","start":1869.065,"end":1869.5449,"confidence":0.998857,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06393357366323471},{"word":"04:30","start":1869.5449,"end":1870.2649,"confidence":0.9888989,"punctuated_word":"04:30","sentiment":"neutral","sentiment_score":0.09403925389051436},{"word":"your","start":1870.2649,"end":1870.585,"confidence":0.8705225,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0740300863981247},{"word":"time","start":1870.585,"end":1871.085,"confidence":0.99632424,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.09178464114665984},{"word":"yep","start":1872.0249,"end":1872.5249,"confidence":0.79030144,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.26052364706993103},{"word":"perfect","start":1872.585,"end":1873.065,"confidence":0.9123424,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6564332246780396},{"word":"well","start":1873.065,"end":1873.225,"confidence":0.9979979,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.5417697429656982},{"word":"thank","start":1873.225,"end":1873.3049,"confidence":0.9997068,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.8058832883834839},{"word":"you","start":1873.3049,"end":1873.465,"confidence":0.99985814,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7762537598609924},{"word":"so","start":1873.465,"end":1873.625,"confidence":0.99957067,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7486966848373413},{"word":"much","start":1873.625,"end":1873.7849,"confidence":0.99995553,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.7975635528564453},{"word":"for","start":1873.7849,"end":1873.945,"confidence":0.99840134,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7657395005226135},{"word":"your","start":1873.945,"end":1874.0249,"confidence":0.9954424,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7370565533638},{"word":"time","start":1874.0249,"end":1874.105,"confidence":0.9998684,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.8056713342666626},{"word":"today","start":1874.105,"end":1874.345,"confidence":0.9987109,"punctuated_word":"today,","sentiment":"positive","sentiment_score":0.7492746710777283},{"word":"jayesh","start":1874.345,"end":1874.6649,"confidence":0.8508811,"punctuated_word":"Jayesh,","sentiment":"positive","sentiment_score":0.6499791145324707},{"word":"and","start":1874.6649,"end":1874.825,"confidence":0.9998528,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5506657958030701},{"word":"i","start":1874.825,"end":1874.9049,"confidence":0.9997825,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5761585235595703},{"word":"look","start":1874.9049,"end":1875.065,"confidence":0.9816301,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.5992417335510254},{"word":"forward","start":1875.065,"end":1875.3049,"confidence":0.99992466,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.5977808833122253},{"word":"to","start":1875.3049,"end":1875.465,"confidence":0.99780136,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2576306462287903},{"word":"speaking","start":1875.465,"end":1875.7849,"confidence":0.99963796,"punctuated_word":"speaking","sentiment":"positive","sentiment_score":0.3736854195594787},{"word":"with","start":1875.7849,"end":1875.945,"confidence":0.99970907,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3655104637145996},{"word":"you","start":1875.945,"end":1876.1849,"confidence":0.86909485,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.29823070764541626},{"word":"finish","start":1876.1849,"end":1876.505,"confidence":0.9528756,"punctuated_word":"Finish","sentiment":"neutral","sentiment_score":0.2367407828569412},{"word":"this","start":1876.505,"end":1876.745,"confidence":0.9840163,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.25329315662384033},{"word":"off","start":1876.745,"end":1876.9049,"confidence":0.64108,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.23949916660785675},{"word":"on","start":1876.9049,"end":1877.065,"confidence":0.9988462,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.23247073590755463},{"word":"monday","start":1877.065,"end":1877.565,"confidence":0.9996897,"punctuated_word":"Monday.","sentiment":"neutral","sentiment_score":0.2596110701560974},{"word":"yes","start":1880.89,"end":1881.39,"confidence":0.85176766,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06131662428379059},{"word":"yeah","start":1881.61,"end":1882.11,"confidence":0.6732322,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02227715030312538},{"word":"yes","start":1886.97,"end":1887.47,"confidence":0.75498164,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.14085222780704498},{"word":"exactly","start":1890.905,"end":1891.405,"confidence":0.9581164,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":-0.26232582330703735},{"word":"so","start":1891.465,"end":1891.625,"confidence":0.99921966,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.13693034648895264},{"word":"we","start":1891.625,"end":1891.785,"confidence":0.73412687,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.14012634754180908},{"word":"do","start":1891.785,"end":1891.865,"confidence":0.99425584,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.08833713829517365},{"word":"wanna","start":1891.865,"end":1892.105,"confidence":0.9921225,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.0972222462296486},{"word":"look","start":1892.105,"end":1892.345,"confidence":0.9990609,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.12862561643123627},{"word":"at","start":1892.345,"end":1892.505,"confidence":0.99895895,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.14364957809448242},{"word":"swapping","start":1892.505,"end":1892.825,"confidence":0.99295914,"punctuated_word":"swapping","sentiment":"neutral","sentiment_score":-0.09265615046024324},{"word":"that","start":1892.825,"end":1892.985,"confidence":0.99969923,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.23239454627037048},{"word":"out","start":1892.985,"end":1893.145,"confidence":0.9994215,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.1119016706943512},{"word":"as","start":1893.145,"end":1893.385,"confidence":0.99924976,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.08143389970064163},{"word":"soon","start":1893.385,"end":1893.625,"confidence":0.99956566,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":-0.1351173222064972},{"word":"as","start":1893.625,"end":1893.705,"confidence":0.99864405,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.07148784399032593},{"word":"we","start":1893.705,"end":1893.865,"confidence":0.9986071,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07248386740684509},{"word":"can","start":1893.865,"end":1894.365,"confidence":0.99677944,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":-0.09090062975883484},{"word":"sorry","start":1896.1849,"end":1896.6849,"confidence":0.73280334,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.09114199876785278},{"word":"so","start":1902.15,"end":1902.65,"confidence":0.43710855,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.13290894031524658},{"word":"it","start":1904.63,"end":1904.7101,"confidence":0.7422948,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.23753805458545685},{"word":"yeah","start":1905.91,"end":1906.41,"confidence":0.96269727,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.21276117861270905},{"word":"so","start":1907.91,"end":1908.23,"confidence":0.93909574,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1867328584194183},{"word":"it's","start":1908.23,"end":1908.55,"confidence":0.9988612,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.24464932084083557},{"word":"more","start":1908.55,"end":1908.87,"confidence":0.99798715,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.2553350627422333},{"word":"of","start":1908.87,"end":1909.27,"confidence":0.9957072,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.239420086145401},{"word":"we've","start":1909.43,"end":1909.67,"confidence":0.95535517,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.22120434045791623},{"word":"always","start":1909.67,"end":1909.79,"confidence":0.4355381,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.12066353857517242},{"word":"it","start":1909.91,"end":1910.0701,"confidence":0.98269284,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.18328897655010223},{"word":"takes","start":1910.0701,"end":1910.31,"confidence":0.93734795,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":-0.1545846164226532},{"word":"some","start":1910.31,"end":1910.39,"confidence":0.99382234,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.16325832903385162},{"word":"time","start":1910.39,"end":1910.63,"confidence":0.9997174,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.17960239946842194},{"word":"because","start":1910.63,"end":1910.87,"confidence":0.90252346,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.13889363408088684},{"word":"you","start":1910.87,"end":1910.9501,"confidence":0.99935013,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1512246131896973},{"word":"don't","start":1910.9501,"end":1911.1901,"confidence":0.99997765,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.16698144376277924},{"word":"wanna","start":1911.1901,"end":1911.51,"confidence":0.949578,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.18565551936626432},{"word":"make","start":1911.51,"end":1911.91,"confidence":0.9991698,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.24112194776535031},{"word":"changes","start":1911.91,"end":1912.39,"confidence":0.9990103,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.2740829288959503},{"word":"quickly","start":1912.39,"end":1912.89,"confidence":0.9996026,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":-0.25096532702445984},{"word":"because","start":1913.1901,"end":1913.67,"confidence":0.9117994,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.15792477130889893},{"word":"you","start":1913.67,"end":1913.91,"confidence":0.99986017,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1790555715560913},{"word":"don't","start":1913.91,"end":1914.15,"confidence":0.99998575,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.21121081709861755},{"word":"wanna","start":1914.15,"end":1914.47,"confidence":0.980511,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.2857830822467804},{"word":"sell","start":1914.47,"end":1914.7101,"confidence":0.9992391,"punctuated_word":"sell","sentiment":"negative","sentiment_score":-0.4004567265510559},{"word":"out","start":1914.7101,"end":1914.9501,"confidence":0.99889356,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.37152329087257385},{"word":"while","start":1914.9501,"end":1915.1901,"confidence":0.999161,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.25069499015808105},{"word":"it's","start":1915.1901,"end":1915.43,"confidence":0.99989206,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.26555830240249634},{"word":"a","start":1915.43,"end":1915.51,"confidence":0.998998,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2879500985145569},{"word":"loss","start":1915.51,"end":1915.75,"confidence":0.99087626,"punctuated_word":"loss","sentiment":"neutral","sentiment_score":-0.3006787598133087},{"word":"because","start":1915.75,"end":1916.0701,"confidence":0.6991643,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.20494705438613892},{"word":"that","start":1916.0701,"end":1916.15,"confidence":0.99141073,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.23962722718715668},{"word":"mean","start":1916.15,"end":1916.39,"confidence":0.5437346,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":-0.2172656357288361},{"word":"you","start":1916.39,"end":1916.47,"confidence":0.9959622,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.30149126052856445},{"word":"are","start":1916.47,"end":1916.63,"confidence":0.99715376,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.3143403232097626},{"word":"crystallizing","start":1916.63,"end":1917.13,"confidence":0.88693345,"punctuated_word":"crystallizing","sentiment":"negative","sentiment_score":-0.3404282033443451},{"word":"the","start":1917.27,"end":1917.43,"confidence":0.9967489,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3354146182537079},{"word":"losses","start":1917.43,"end":1917.825,"confidence":0.9684564,"punctuated_word":"losses.","sentiment":"neutral","sentiment_score":-0.2830992341041565},{"word":"so","start":1917.9049,"end":1918.3049,"confidence":0.95244396,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.25536131858825684},{"word":"there","start":1918.3049,"end":1918.5449,"confidence":0.99671364,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.3041910231113434},{"word":"is","start":1918.5449,"end":1918.705,"confidence":0.9997087,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2955968677997589},{"word":"a","start":1918.705,"end":1918.7849,"confidence":0.99982625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2982099652290344},{"word":"lot","start":1918.7849,"end":1918.945,"confidence":0.9998048,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.2817073464393616},{"word":"of","start":1918.945,"end":1919.105,"confidence":0.9997123,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3024634122848511},{"word":"obviously","start":1919.105,"end":1919.505,"confidence":0.53304607,"punctuated_word":"obviously","sentiment":"negative","sentiment_score":-0.3671351373195648},{"word":"extensive","start":1919.505,"end":1919.825,"confidence":0.57229394,"punctuated_word":"extensive","sentiment":"neutral","sentiment_score":-0.3027239441871643},{"word":"research","start":1919.825,"end":1920.225,"confidence":0.9983456,"punctuated_word":"research","sentiment":"negative","sentiment_score":-0.35767096281051636},{"word":"for","start":1920.225,"end":1920.385,"confidence":0.99939346,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.31602755188941956},{"word":"the","start":1920.385,"end":1920.5449,"confidence":0.99891007,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.25638070702552795},{"word":"investment","start":1920.5449,"end":1921.0249,"confidence":0.9967159,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.2690334618091583},{"word":"committee","start":1921.0249,"end":1921.5249,"confidence":0.99943644,"punctuated_word":"committee","sentiment":"neutral","sentiment_score":-0.24433797597885132},{"word":"to","start":1921.9049,"end":1922.4049,"confidence":0.98741525,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2148776948451996},{"word":"obviously","start":1922.625,"end":1923.105,"confidence":0.8435166,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.22164715826511383},{"word":"decide","start":1923.105,"end":1923.4249,"confidence":0.9962287,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":-0.2292480766773224},{"word":"that","start":1923.4249,"end":1923.585,"confidence":0.9997919,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.23519420623779297},{"word":"it","start":1923.585,"end":1923.745,"confidence":0.99580765,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.297186017036438},{"word":"might","start":1923.745,"end":1923.9049,"confidence":0.99995434,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.26659902930259705},{"word":"not","start":1923.9049,"end":1924.065,"confidence":0.9994287,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2501817047595978},{"word":"be","start":1924.065,"end":1924.3049,"confidence":0.99934775,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2863224148750305},{"word":"the","start":1924.3049,"end":1924.465,"confidence":0.9993789,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3006097972393036},{"word":"best","start":1924.465,"end":1924.705,"confidence":0.9988136,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.24040865898132324},{"word":"thing","start":1924.705,"end":1925.0249,"confidence":0.99940693,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.2902625501155853},{"word":"moving","start":1925.0249,"end":1925.2649,"confidence":0.99896204,"punctuated_word":"moving","sentiment":"negative","sentiment_score":-0.35367918014526367},{"word":"forward","start":1925.2649,"end":1925.505,"confidence":0.9320649,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":-0.3150274157524109},{"word":"and","start":1925.505,"end":1925.6649,"confidence":0.9959853,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.11520366370677948},{"word":"because","start":1925.6649,"end":1925.985,"confidence":0.99930143,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.12169654667377472},{"word":"they","start":1925.985,"end":1926.1449,"confidence":0.99864763,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.1499767303466797},{"word":"historically","start":1926.1449,"end":1926.6449,"confidence":0.9847751,"punctuated_word":"historically","sentiment":"neutral","sentiment_score":-0.1135771870613098},{"word":"have","start":1926.705,"end":1926.945,"confidence":0.9995351,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.12151776254177094},{"word":"done","start":1926.945,"end":1927.345,"confidence":0.9998184,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.10072733461856842},{"word":"so","start":1927.345,"end":1927.585,"confidence":0.9996971,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.07603374123573303},{"word":"well","start":1927.585,"end":1928.085,"confidence":0.99948907,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.027940254658460617},{"word":"you","start":1928.225,"end":1928.465,"confidence":0.99949634,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05768808722496033},{"word":"also","start":1928.465,"end":1928.7849,"confidence":0.99966383,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.07335025072097778},{"word":"don't","start":1928.7849,"end":1929.0249,"confidence":0.99995035,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.06967122852802277},{"word":"wanna","start":1929.0249,"end":1929.345,"confidence":0.9904358,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.104763463139534},{"word":"pull","start":1929.345,"end":1929.585,"confidence":0.9995926,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":-0.1766808032989502},{"word":"the","start":1929.585,"end":1929.6649,"confidence":0.9986828,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2048329710960388},{"word":"trigger","start":1929.6649,"end":1929.985,"confidence":0.99965525,"punctuated_word":"trigger","sentiment":"neutral","sentiment_score":-0.15269112586975098},{"word":"too","start":1929.985,"end":1930.225,"confidence":0.9927603,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.13864505290985107},{"word":"quickly","start":1930.225,"end":1930.5449,"confidence":0.9999299,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":-0.1878102421760559},{"word":"because","start":1930.5449,"end":1930.865,"confidence":0.8461218,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.09110141545534134},{"word":"you","start":1930.865,"end":1931.0249,"confidence":0.9998242,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08401378244161606},{"word":"also","start":1931.0249,"end":1931.345,"confidence":0.9994454,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.0634051114320755},{"word":"wanna","start":1931.345,"end":1931.6649,"confidence":0.9942107,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.04617513343691826},{"word":"make","start":1931.6649,"end":1931.825,"confidence":0.9989796,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.080049067735672},{"word":"sure","start":1931.825,"end":1932.065,"confidence":0.9996263,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.06175987422466278},{"word":"that","start":1932.065,"end":1932.48,"confidence":0.99975306,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06686250120401382},{"word":"if","start":1932.5599,"end":1932.64,"confidence":0.99427223,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.08087268471717834},{"word":"you're","start":1932.64,"end":1932.88,"confidence":0.7515788,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.1198493465781212},{"word":"gonna","start":1932.88,"end":1933.12,"confidence":0.9971981,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.1262434720993042},{"word":"come","start":1933.12,"end":1933.36,"confidence":0.9991253,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.13927185535430908},{"word":"back","start":1933.36,"end":1933.52,"confidence":0.9998617,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.1586446613073349},{"word":"around","start":1933.52,"end":1933.76,"confidence":0.97653735,"punctuated_word":"around,","sentiment":"neutral","sentiment_score":-0.12026961892843246},{"word":"then","start":1933.76,"end":1933.9199,"confidence":0.97744,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.07137332856655121},{"word":"you","start":1933.9199,"end":1934.08,"confidence":0.9997887,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1438988447189331},{"word":"wanna","start":1934.08,"end":1934.24,"confidence":0.98970723,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.13435056805610657},{"word":"sell","start":1934.24,"end":1934.4,"confidence":0.98875684,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.1493887156248093},{"word":"when","start":1934.4,"end":1934.5599,"confidence":0.9946824,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.15996399521827698},{"word":"it","start":1934.5599,"end":1934.72,"confidence":0.99960357,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.17489513754844666},{"word":"comes","start":1934.72,"end":1934.88,"confidence":0.99983716,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.11177999526262283},{"word":"up","start":1934.88,"end":1935.04,"confidence":0.99648273,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.1245667040348053},{"word":"a","start":1935.04,"end":1935.12,"confidence":0.99975544,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15463635325431824},{"word":"little","start":1935.12,"end":1935.36,"confidence":0.99990237,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.1200607419013977},{"word":"bit","start":1935.36,"end":1935.6,"confidence":0.9935255,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.14095667004585266},{"word":"you","start":1935.6,"end":1935.76,"confidence":0.97803074,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.1519031524658203},{"word":"don't","start":1935.76,"end":1936.0,"confidence":0.99992853,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1706884503364563},{"word":"wanna","start":1936.0,"end":1936.24,"confidence":0.983157,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.21311378479003903},{"word":"sell","start":1936.24,"end":1936.48,"confidence":0.99907,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.2756558060646057},{"word":"at","start":1936.48,"end":1936.64,"confidence":0.9986638,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.33477720618247986},{"word":"the","start":1936.64,"end":1936.7999,"confidence":0.99877983,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2730351686477661},{"word":"bottom","start":1936.7999,"end":1937.2999,"confidence":0.99935645,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":-0.19608591496944427},{"word":"unless","start":1937.6,"end":1938.0,"confidence":0.91422904,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":-0.2567550241947174},{"word":"you","start":1938.0,"end":1938.24,"confidence":0.94697964,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.20937570929527283},{"word":"see","start":1938.24,"end":1938.5599,"confidence":0.3608113,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.22931498289108276},{"word":"it","start":1938.5599,"end":1938.72,"confidence":0.7899663,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2068725973367691},{"word":"not","start":1938.72,"end":1939.04,"confidence":0.9337736,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.20596615970134735},{"word":"going","start":1939.04,"end":1939.36,"confidence":0.99868256,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.19895252585411072},{"word":"up","start":1939.36,"end":1939.86,"confidence":0.9964669,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.21698227524757385},{"word":"so","start":1940.64,"end":1940.96,"confidence":0.7738958,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.10428503155708312},{"word":"it's","start":1940.96,"end":1941.28,"confidence":0.9983249,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.11388294398784636},{"word":"only","start":1941.28,"end":1941.6,"confidence":0.99974173,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.11294862627983092},{"word":"been","start":1941.6,"end":1941.76,"confidence":0.99959,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.1213112324476242},{"word":"more","start":1941.76,"end":1942.08,"confidence":0.999701,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.10531976073980331},{"word":"recently","start":1942.08,"end":1942.5599,"confidence":0.9997762,"punctuated_word":"recently","sentiment":"neutral","sentiment_score":-0.10400848090648653},{"word":"where","start":1942.5599,"end":1942.7999,"confidence":0.97949135,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.08917062729597092},{"word":"the","start":1942.7999,"end":1942.96,"confidence":0.99988866,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08621461689472198},{"word":"investment","start":1942.96,"end":1943.44,"confidence":0.9981121,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.08513054996728897},{"word":"committee","start":1943.44,"end":1943.94,"confidence":0.9999044,"punctuated_word":"committee","sentiment":"neutral","sentiment_score":-0.02058693766593933},{"word":"made","start":1944.24,"end":1944.4,"confidence":0.9989881,"punctuated_word":"made","sentiment":"neutral","sentiment_score":-0.047655440866947174},{"word":"the","start":1944.4,"end":1944.64,"confidence":0.9450244,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0703270360827446},{"word":"decision","start":1944.64,"end":1945.04,"confidence":0.9999254,"punctuated_word":"decision","sentiment":"neutral","sentiment_score":-0.054191771894693375},{"word":"that","start":1945.04,"end":1945.2,"confidence":0.99983656,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05872473120689392},{"word":"we","start":1945.2,"end":1945.36,"confidence":0.9998827,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.04800580441951752},{"word":"wanna","start":1945.36,"end":1945.6799,"confidence":0.9879885,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.004259239882230759},{"word":"look","start":1945.6799,"end":1945.84,"confidence":0.9988432,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.05823304504156113},{"word":"at","start":1945.84,"end":1946.08,"confidence":0.9996407,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06865811347961426},{"word":"swapping","start":1946.08,"end":1946.48,"confidence":0.99676126,"punctuated_word":"swapping","sentiment":"neutral","sentiment_score":-0.0579834058880806},{"word":"that","start":1946.48,"end":1946.72,"confidence":0.99988973,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12425561249256134},{"word":"out","start":1946.72,"end":1947.22,"confidence":0.8587347,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.07861846685409546},{"word":"before","start":1948.525,"end":1948.845,"confidence":0.9989033,"punctuated_word":"Before","sentiment":"neutral","sentiment_score":-0.03729281574487686},{"word":"then","start":1948.845,"end":1949.165,"confidence":0.8203466,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":-0.04437855631113053},{"word":"you","start":1949.165,"end":1949.325,"confidence":0.99799,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.039384692907333374},{"word":"wanna","start":1949.325,"end":1949.565,"confidence":0.99038506,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.0015122704207897186},{"word":"give","start":1949.565,"end":1949.8049,"confidence":0.9996846,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.012366466224193571},{"word":"it","start":1949.8049,"end":1949.965,"confidence":0.9995161,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03725220263004303},{"word":"some","start":1949.965,"end":1950.285,"confidence":0.99453604,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.024370722472667698},{"word":"time","start":1950.285,"end":1950.6849,"confidence":0.99946135,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.03536698967218399},{"word":"as","start":1950.6849,"end":1950.845,"confidence":0.9989221,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.044996052980422974},{"word":"well","start":1950.845,"end":1951.165,"confidence":0.99968684,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.06738047301769257},{"word":"to","start":1951.165,"end":1951.405,"confidence":0.9973717,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.012628987431526184},{"word":"make","start":1951.405,"end":1951.565,"confidence":0.99935037,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.005686692893505096},{"word":"sure","start":1951.565,"end":1952.065,"confidence":0.99988115,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.0014571771025657654},{"word":"if","start":1952.205,"end":1952.365,"confidence":0.9969332,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02056282758712769},{"word":"it's","start":1952.365,"end":1952.525,"confidence":0.99992055,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.013946399092674255},{"word":"gonna","start":1952.525,"end":1952.845,"confidence":0.99679935,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.005012772977352142},{"word":"come","start":1952.845,"end":1953.005,"confidence":0.9997799,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.025095060467720032},{"word":"back","start":1953.005,"end":1953.165,"confidence":0.9998294,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.029183119535446167},{"word":"around","start":1953.165,"end":1953.565,"confidence":0.99981016,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.01859141886234283},{"word":"and","start":1953.565,"end":1953.725,"confidence":0.71569353,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.005328699946403503},{"word":"if","start":1953.725,"end":1953.885,"confidence":0.99962676,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.01174156740307808},{"word":"it's","start":1953.885,"end":1954.205,"confidence":0.9998337,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.022224854677915573},{"word":"a","start":1954.205,"end":1954.285,"confidence":0.99950564,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.037618428468704224},{"word":"bit","start":1954.285,"end":1954.525,"confidence":0.9998704,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.006480515003204346},{"word":"more","start":1954.525,"end":1955.025,"confidence":0.99967813,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.057870760560035706},{"word":"of","start":1955.405,"end":1955.725,"confidence":0.9764547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07301370799541473},{"word":"of","start":1955.725,"end":1955.965,"confidence":0.9828311,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.026838138699531555},{"word":"a","start":1955.965,"end":1956.205,"confidence":0.9991122,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03176576644182205},{"word":"good","start":1956.205,"end":1956.445,"confidence":0.99988973,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.04169437289237976},{"word":"investment","start":1956.445,"end":1956.845,"confidence":0.9996486,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.007112100720405579},{"word":"because","start":1956.845,"end":1957.085,"confidence":0.72655994,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0014588162302970886},{"word":"you","start":1957.085,"end":1957.165,"confidence":0.99972504,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01838630437850952},{"word":"don't","start":1957.165,"end":1957.325,"confidence":0.9999535,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.035251591354608536},{"word":"wanna","start":1957.325,"end":1957.565,"confidence":0.9806245,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.09852643311023712},{"word":"sell","start":1957.565,"end":1957.725,"confidence":0.9933587,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.24489235877990723},{"word":"at","start":1957.725,"end":1957.8049,"confidence":0.9913918,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.25842177867889404},{"word":"the","start":1957.8049,"end":1957.885,"confidence":0.9993561,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2447238266468048},{"word":"bottom","start":1957.885,"end":1958.205,"confidence":0.99992406,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":-0.1574433296918869},{"word":"unless","start":1958.205,"end":1958.525,"confidence":0.98271704,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":-0.19732460379600525},{"word":"you","start":1958.525,"end":1958.6849,"confidence":0.99975866,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12406930327415466},{"word":"have","start":1958.6849,"end":1958.925,"confidence":0.9987357,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1119505688548088},{"word":"to","start":1958.925,"end":1959.425,"confidence":0.9792251,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":-0.0837390273809433},{"word":"mhmm","start":1967.18,"end":1967.68,"confidence":0.95164484,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.0001945914700627327},{"word":"mhmm","start":1975.915,"end":1976.415,"confidence":0.9676499,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04283028095960617},{"word":"yes","start":1987.4501,"end":1987.77,"confidence":0.9460373,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.191011905670166},{"word":"yep","start":1987.77,"end":1988.17,"confidence":0.9732614,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1846449375152588},{"word":"exactly","start":1988.17,"end":1988.67,"confidence":0.999485,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.1902060508728027},{"word":"yeah","start":1988.81,"end":1989.31,"confidence":0.7475182,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15927910804748535},{"word":"mhmm","start":1996.9851,"end":1997.4851,"confidence":0.92492986,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07075604796409607},{"word":"like","start":2005.2251,"end":2005.625,"confidence":0.9696521,"punctuated_word":"Like","sentiment":"neutral","sentiment_score":-0.0165419839322567},{"word":"insurances","start":2005.625,"end":2006.125,"confidence":0.8064446,"punctuated_word":"insurances?","sentiment":"neutral","sentiment_score":0.012605390511453152},{"word":"yep","start":2006.425,"end":2006.925,"confidence":0.816208,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05100594088435173},{"word":"it's","start":2019.17,"end":2019.41,"confidence":0.86735046,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.16205711662769318},{"word":"still","start":2019.41,"end":2019.91,"confidence":0.9862135,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.26650726795196533},{"word":"yeah","start":2023.505,"end":2024.005,"confidence":0.9874924,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.06795437633991241},{"word":"so","start":2024.225,"end":2024.545,"confidence":0.9741159,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.11524824798107149},{"word":"it's","start":2024.545,"end":2025.045,"confidence":0.99927497,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.18793579936027527},{"word":"no","start":2025.985,"end":2026.385,"confidence":0.99123675,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.23293104767799375},{"word":"that's","start":2026.385,"end":2026.885,"confidence":0.9659196,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.17090927064418793},{"word":"yeah","start":2032.225,"end":2032.465,"confidence":0.8565289,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.04038451611995697},{"word":"so","start":2032.465,"end":2032.7051,"confidence":0.9977969,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.020565789192914963},{"word":"what","start":2032.7051,"end":2032.865,"confidence":0.99293876,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.026761025190353394},{"word":"i'll","start":2032.865,"end":2032.9451,"confidence":0.99557674,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.03485075384378433},{"word":"do","start":2032.9451,"end":2033.105,"confidence":0.8249775,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.07340025901794434},{"word":"because","start":2033.105,"end":2033.345,"confidence":0.92816687,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0676833838224411},{"word":"i","start":2033.345,"end":2033.425,"confidence":0.8042789,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06872695684432983},{"word":"know","start":2033.425,"end":2033.5851,"confidence":0.9885048,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.06233188509941101},{"word":"you","start":2033.5851,"end":2033.665,"confidence":0.95059764,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.042060330510139465},{"word":"might","start":2033.665,"end":2033.91,"confidence":0.42785594,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.05596088618040085},{"word":"full","start":2033.91,"end":2034.03,"confidence":0.7807201,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.07808762043714523},{"word":"time","start":2034.03,"end":2034.15,"confidence":0.866048,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.06521739065647125},{"word":"i","start":2034.15,"end":2034.31,"confidence":0.99806994,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10659874975681304},{"word":"will","start":2034.31,"end":2034.39,"confidence":0.95879644,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.0828976109623909},{"word":"get","start":2034.39,"end":2034.63,"confidence":0.9996737,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.08687850832939148},{"word":"the","start":2034.63,"end":2034.9501,"confidence":0.924209,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06193241849541664},{"word":"withdrawal","start":2034.9501,"end":2035.27,"confidence":0.99255264,"punctuated_word":"withdrawal","sentiment":"neutral","sentiment_score":0.024458646774291992},{"word":"amount","start":2035.27,"end":2035.75,"confidence":0.9970777,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.03283630311489105},{"word":"emailed","start":2035.75,"end":2035.99,"confidence":0.7094417,"punctuated_word":"emailed","sentiment":"neutral","sentiment_score":0.10692377388477324},{"word":"through","start":2035.99,"end":2036.31,"confidence":0.95781225,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08121593296527863},{"word":"so","start":2036.31,"end":2036.4701,"confidence":0.40175575,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.13961084187030792},{"word":"you","start":2036.4701,"end":2036.63,"confidence":0.9982514,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10655070841312408},{"word":"have","start":2036.63,"end":2036.79,"confidence":0.9928873,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10714119672775269},{"word":"it","start":2036.79,"end":2036.9501,"confidence":0.9755284,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08785028755664825},{"word":"before","start":2036.9501,"end":2037.4501,"confidence":0.99900013,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.10011103749275208},{"word":"call","start":2037.51,"end":2037.75,"confidence":0.6452057,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.08455254137516022},{"word":"on","start":2037.75,"end":2037.99,"confidence":0.9988803,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11519825458526611},{"word":"monday","start":2037.99,"end":2038.49,"confidence":0.99931717,"punctuated_word":"Monday.","sentiment":"neutral","sentiment_score":0.09089426696300508},{"word":"i'll","start":2038.7101,"end":2038.9501,"confidence":0.99942577,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1508571058511734},{"word":"also","start":2038.9501,"end":2039.27,"confidence":0.99970716,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.12856993079185486},{"word":"send","start":2039.27,"end":2039.51,"confidence":0.9998765,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.1536639928817749},{"word":"you","start":2039.51,"end":2040.01,"confidence":0.9999374,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20198559761047363},{"word":"some","start":2040.23,"end":2040.63,"confidence":0.84431773,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.15120179951190948},{"word":"more","start":2040.63,"end":2040.87,"confidence":0.9994727,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1337234526872635},{"word":"information","start":2040.87,"end":2041.37,"confidence":0.99985206,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.09711959958076476},{"word":"on","start":2041.5901,"end":2041.8301,"confidence":0.9998872,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1345643401145935},{"word":"the","start":2041.8301,"end":2042.0701,"confidence":0.9999238,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11568646132946014},{"word":"estimate","start":2042.0701,"end":2042.39,"confidence":0.88971627,"punctuated_word":"estimate","sentiment":"neutral","sentiment_score":0.11725734174251556},{"word":"so","start":2042.39,"end":2042.55,"confidence":0.9835233,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.17423543334007263},{"word":"that","start":2042.55,"end":2042.7101,"confidence":0.9987866,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19226622581481936},{"word":"you","start":2042.7101,"end":2042.79,"confidence":0.99986553,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17003774642944336},{"word":"can","start":2042.79,"end":2043.03,"confidence":0.9998198,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15890397131443024},{"word":"again","start":2043.03,"end":2043.35,"confidence":0.61148614,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.1731155514717102},{"word":"read","start":2043.35,"end":2043.51,"confidence":0.9798902,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.16259126365184784},{"word":"up","start":2043.51,"end":2043.67,"confidence":0.9762214,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1931586861610413},{"word":"on","start":2043.67,"end":2043.8301,"confidence":0.99923205,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2455170601606369},{"word":"it","start":2043.8301,"end":2043.99,"confidence":0.9994855,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20814311504364016},{"word":"to","start":2043.99,"end":2044.0701,"confidence":0.9990594,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2145775854587555},{"word":"see","start":2044.0701,"end":2044.31,"confidence":0.99992895,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.19060468673706055},{"word":"if","start":2044.31,"end":2044.39,"confidence":0.99978644,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.23511216044425964},{"word":"it's","start":2044.39,"end":2044.55,"confidence":0.9994917,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.247579425573349},{"word":"something","start":2044.55,"end":2044.87,"confidence":0.9999,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.2091101109981537},{"word":"that","start":2044.87,"end":2045.11,"confidence":0.9995933,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22352711856365204},{"word":"you","start":2045.11,"end":2045.27,"confidence":0.9998679,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1906312555074692},{"word":"are","start":2045.27,"end":2045.5901,"confidence":0.99977976,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1606135368347168},{"word":"interested","start":2045.5901,"end":2045.99,"confidence":0.99979144,"punctuated_word":"interested","sentiment":"neutral","sentiment_score":0.15355683863162994},{"word":"in","start":2045.99,"end":2046.49,"confidence":0.99456847,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.1414593756198883},{"word":"and","start":2047.1901,"end":2047.43,"confidence":0.9587308,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.023134790360927585},{"word":"in","start":2047.43,"end":2047.67,"confidence":0.999469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0009358376264572144},{"word":"this","start":2047.67,"end":2047.99,"confidence":0.9999021,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.02419491857290268},{"word":"report","start":2047.99,"end":2048.49,"confidence":0.99766725,"punctuated_word":"report,","sentiment":"neutral","sentiment_score":-0.01024400070309639},{"word":"it","start":2049.605,"end":2049.845,"confidence":0.9965821,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.013386353850364683},{"word":"shows","start":2049.845,"end":2050.165,"confidence":0.9993581,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":-0.04912346601486206},{"word":"you","start":2050.165,"end":2050.325,"confidence":0.99903274,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.025060363113880157},{"word":"that","start":2050.325,"end":2050.825,"confidence":0.9999052,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06966782361268997},{"word":"even","start":2051.365,"end":2051.605,"confidence":0.9876819,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.08318298310041428},{"word":"though","start":2051.605,"end":2051.845,"confidence":0.9996909,"punctuated_word":"though","sentiment":"neutral","sentiment_score":-0.10461512953042984},{"word":"you've","start":2051.845,"end":2052.085,"confidence":0.99853504,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.12845483422279358},{"word":"had","start":2052.085,"end":2052.325,"confidence":0.99968505,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.12135516852140428},{"word":"fees","start":2052.325,"end":2052.565,"confidence":0.9893596,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":-0.17333704233169556},{"word":"come","start":2052.565,"end":2052.7249,"confidence":0.99908066,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.1878983974456787},{"word":"out","start":2052.7249,"end":2052.885,"confidence":0.9901581,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":-0.1572689563035965},{"word":"it's","start":2052.885,"end":2053.125,"confidence":0.9909041,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2185644507408142},{"word":"still","start":2053.125,"end":2053.285,"confidence":0.999188,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.20736956596374512},{"word":"gone","start":2053.285,"end":2053.525,"confidence":0.92155194,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.20711129903793335},{"word":"up","start":2053.525,"end":2054.025,"confidence":0.9994319,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.15108606219291687},{"word":"only","start":2054.645,"end":2054.9648,"confidence":0.855611,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.17099574208259585},{"word":"by","start":2054.9648,"end":2055.2048,"confidence":0.9996557,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.12639567255973816},{"word":"about","start":2055.2048,"end":2055.4448,"confidence":0.9992848,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.1630469411611557},{"word":"3.6","start":2055.4448,"end":2056.085,"confidence":0.9887953,"punctuated_word":"3.6,","sentiment":"neutral","sentiment_score":-0.12310358881950378},{"word":"but","start":2056.085,"end":2056.325,"confidence":0.99892706,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.10470512509346008},{"word":"it's","start":2056.325,"end":2056.405,"confidence":0.9920113,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.16985303163528442},{"word":"still","start":2056.405,"end":2056.7249,"confidence":0.9998733,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.17927616834640503},{"word":"up","start":2056.7249,"end":2057.2249,"confidence":0.99815565,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.12423507124185562},{"word":"so","start":2057.525,"end":2057.845,"confidence":0.87084365,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.14834842085838318},{"word":"it","start":2057.845,"end":2058.085,"confidence":0.99870324,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.19987985491752625},{"word":"hasn't","start":2058.085,"end":2058.405,"confidence":0.98419356,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":-0.2595577836036682},{"word":"grown","start":2058.405,"end":2058.805,"confidence":0.9969357,"punctuated_word":"grown","sentiment":"neutral","sentiment_score":-0.26250159740448},{"word":"as","start":2058.805,"end":2059.045,"confidence":0.99931407,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.20463162660598755},{"word":"much","start":2059.045,"end":2059.285,"confidence":0.99698514,"punctuated_word":"much,","sentiment":"neutral","sentiment_score":-0.1775684952735901},{"word":"but","start":2059.285,"end":2059.4448,"confidence":0.99986446,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.15446844696998596},{"word":"it's","start":2059.4448,"end":2059.765,"confidence":0.9986286,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.26460155844688416},{"word":"still","start":2059.765,"end":2060.165,"confidence":0.9993018,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.3250735104084015},{"word":"not","start":2060.165,"end":2060.4849,"confidence":0.973054,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.29453662037849426},{"word":"down","start":2060.4849,"end":2060.9648,"confidence":0.9988462,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.2144404798746109},{"word":"even","start":2060.9648,"end":2061.365,"confidence":0.84967476,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.2287445366382599},{"word":"after","start":2061.365,"end":2061.765,"confidence":0.97629845,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.1990581452846527},{"word":"fees","start":2061.765,"end":2062.17,"confidence":0.79370093,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":-0.23133602738380432},{"word":"so","start":2062.5698,"end":2062.8098,"confidence":0.99940646,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.189985454082489},{"word":"even","start":2062.8098,"end":2063.13,"confidence":0.9997656,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.26900631189346313},{"word":"in","start":2063.13,"end":2063.53,"confidence":0.9995503,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.28515294194221497},{"word":"the","start":2063.53,"end":2063.93,"confidence":0.98559475,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.262675404548645},{"word":"the","start":2063.93,"end":2064.0898,"confidence":0.9823361,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.26335760951042175},{"word":"period","start":2064.0898,"end":2064.5898,"confidence":0.88101465,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":-0.26813143491744995},{"word":"it's","start":2065.0498,"end":2065.3699,"confidence":0.8698193,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.31826671957969666},{"word":"still","start":2065.3699,"end":2065.8499,"confidence":0.99983966,"punctuated_word":"still","sentiment":"negative","sentiment_score":-0.39155519008636475},{"word":"gone","start":2065.8499,"end":2066.0898,"confidence":0.9383516,"punctuated_word":"gone","sentiment":"negative","sentiment_score":-0.37846559286117554},{"word":"up","start":2066.0898,"end":2066.5898,"confidence":0.999613,"punctuated_word":"up","sentiment":"negative","sentiment_score":-0.3481975793838501},{"word":"a","start":2067.53,"end":2067.6099,"confidence":0.9622559,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3142489194869995},{"word":"little","start":2067.6099,"end":2067.8499,"confidence":0.9995585,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.3025114834308624},{"word":"bit","start":2067.8499,"end":2068.0898,"confidence":0.99842453,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.2968800663948059},{"word":"so","start":2068.0898,"end":2068.25,"confidence":0.9795848,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0092402845621109},{"word":"what","start":2068.25,"end":2068.41,"confidence":0.9939785,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.01952318847179413},{"word":"i'll","start":2068.41,"end":2068.65,"confidence":0.9990324,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.04876383766531944},{"word":"do","start":2068.65,"end":2068.8098,"confidence":0.99964774,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07971344888210297},{"word":"is","start":2068.8098,"end":2068.97,"confidence":0.9593705,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.11697867512702942},{"word":"like","start":2068.97,"end":2069.13,"confidence":0.99989307,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1248445212841034},{"word":"i","start":2069.13,"end":2069.21,"confidence":0.9992536,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0962165966629982},{"word":"said","start":2069.21,"end":2069.45,"confidence":0.9996697,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.109559565782547},{"word":"i","start":2069.45,"end":2069.53,"confidence":0.99993527,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.112843319773674},{"word":"can","start":2069.53,"end":2069.77,"confidence":0.92471707,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12439758330583572},{"word":"send","start":2069.77,"end":2069.93,"confidence":0.99974185,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.1009249985218048},{"word":"you","start":2069.93,"end":2070.0898,"confidence":0.99961436,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11528967320919035},{"word":"this","start":2070.0898,"end":2070.3298,"confidence":0.9992982,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.12658315896987915},{"word":"oh","start":2070.89,"end":2071.13,"confidence":0.9832765,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.1380186378955841},{"word":"you","start":2071.13,"end":2071.29,"confidence":0.9993113,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12282702326774596},{"word":"have","start":2071.29,"end":2071.45,"confidence":0.9872595,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14927372336387634},{"word":"it","start":2071.45,"end":2071.6099,"confidence":0.9980301,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12056347727775574},{"word":"already","start":2071.6099,"end":2071.93,"confidence":0.7830799,"punctuated_word":"already,","sentiment":"neutral","sentiment_score":0.12515278160572052},{"word":"but","start":2071.93,"end":2072.0898,"confidence":0.9998129,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.11027800291776656},{"word":"i","start":2072.0898,"end":2072.17,"confidence":0.9998241,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09689000993967056},{"word":"can","start":2072.17,"end":2072.41,"confidence":0.9998246,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10409188270568848},{"word":"send","start":2072.41,"end":2072.65,"confidence":0.99920326,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.06941284239292145},{"word":"the","start":2072.65,"end":2073.15,"confidence":0.9991357,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09742054343223572},{"word":"portfolio","start":2073.21,"end":2073.71,"confidence":0.99643916,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.030386194586753845},{"word":"withdrawals","start":2074.0898,"end":2074.49,"confidence":0.49791327,"punctuated_word":"withdrawals","sentiment":"neutral","sentiment_score":0.09719017148017885},{"word":"so","start":2074.49,"end":2074.65,"confidence":0.9933403,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.12644009292125702},{"word":"that","start":2074.65,"end":2074.89,"confidence":0.9976527,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15002842247486117},{"word":"you","start":2074.89,"end":2075.0498,"confidence":0.9998826,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11684136092662813},{"word":"have","start":2075.0498,"end":2075.21,"confidence":0.9986089,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12424804270267488},{"word":"that","start":2075.21,"end":2075.3699,"confidence":0.99967563,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10015322268009186},{"word":"in","start":2075.3699,"end":2075.6099,"confidence":0.9993474,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09075051546096802},{"word":"detail","start":2075.6099,"end":2076.1099,"confidence":0.83282053,"punctuated_word":"detail,","sentiment":"neutral","sentiment_score":0.09402109682559968},{"word":"a","start":2076.365,"end":2076.525,"confidence":0.9996952,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08318500965833664},{"word":"bit","start":2076.525,"end":2076.6848,"confidence":0.9998834,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09269148111343384},{"word":"more","start":2076.6848,"end":2076.9248,"confidence":0.99986994,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.06179209798574448},{"word":"information","start":2076.9248,"end":2077.4248,"confidence":0.99965584,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.07972396165132523},{"word":"in","start":2077.565,"end":2077.805,"confidence":0.99879396,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06990645825862885},{"word":"regards","start":2077.805,"end":2078.285,"confidence":0.9954809,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.07342241704463959},{"word":"to","start":2078.285,"end":2078.785,"confidence":0.8956793,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07709929347038269},{"word":"the","start":2079.085,"end":2079.405,"confidence":0.99937147,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07215465605258942},{"word":"sma","start":2079.405,"end":2079.905,"confidence":0.9143645,"punctuated_word":"SMA.","sentiment":"neutral","sentiment_score":0.07637226581573486},{"word":"if","start":2080.365,"end":2080.525,"confidence":0.99890804,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.11508296430110931},{"word":"you","start":2080.525,"end":2080.605,"confidence":0.9999683,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08727936446666718},{"word":"have","start":2080.605,"end":2080.765,"confidence":0.99990165,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09329957515001296},{"word":"any","start":2080.765,"end":2081.005,"confidence":0.9997408,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.10569842159748076},{"word":"other","start":2081.005,"end":2081.1648,"confidence":0.9993905,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.08981618285179138},{"word":"questions","start":2081.1648,"end":2081.565,"confidence":0.9996295,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.08233396708965302},{"word":"and","start":2081.565,"end":2081.7249,"confidence":0.94258225,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0817873403429985},{"word":"stuff","start":2081.7249,"end":2081.885,"confidence":0.99792504,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":0.08822260797023773},{"word":"that","start":2081.885,"end":2081.9648,"confidence":0.9960706,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09807732701301576},{"word":"you","start":2081.9648,"end":2082.125,"confidence":0.9999051,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08187707513570786},{"word":"can","start":2082.125,"end":2082.285,"confidence":0.9991623,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08484944701194763},{"word":"think","start":2082.285,"end":2082.4448,"confidence":0.99968994,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.0975828692317009},{"word":"of","start":2082.4448,"end":2082.605,"confidence":0.93870187,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.09242571145296095},{"word":"though","start":2082.605,"end":2082.765,"confidence":0.9992451,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":0.08421023190021515},{"word":"just","start":2082.765,"end":2083.005,"confidence":0.9993814,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08488161861896515},{"word":"please","start":2083.005,"end":2083.2449,"confidence":0.9991966,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.06615760922431946},{"word":"write","start":2083.2449,"end":2083.4849,"confidence":0.998343,"punctuated_word":"write","sentiment":"neutral","sentiment_score":0.08347108960151672},{"word":"them","start":2083.4849,"end":2083.645,"confidence":0.99915147,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.06930282711982727},{"word":"down","start":2083.645,"end":2083.805,"confidence":0.88101935,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":0.11374814063310625},{"word":"and","start":2083.805,"end":2083.885,"confidence":0.6271276,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10253475606441498},{"word":"we","start":2083.885,"end":2084.045,"confidence":0.99988973,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11866328120231628},{"word":"can","start":2084.045,"end":2084.2048,"confidence":0.9998785,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12451351433992386},{"word":"go","start":2084.2048,"end":2084.365,"confidence":0.9995104,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.14140206575393677},{"word":"through","start":2084.365,"end":2084.605,"confidence":0.99974567,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.13408538699150083},{"word":"it","start":2084.605,"end":2084.765,"confidence":0.9863434,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0962972491979599},{"word":"next","start":2084.765,"end":2085.085,"confidence":0.9997925,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.10210385173559187},{"word":"monday","start":2085.085,"end":2085.585,"confidence":0.99979204,"punctuated_word":"Monday","sentiment":"neutral","sentiment_score":0.1269231140613556},{"word":"when","start":2085.885,"end":2086.045,"confidence":0.9862932,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.09653812646865843},{"word":"we","start":2086.045,"end":2086.2048,"confidence":0.9998079,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11467161029577257},{"word":"kind","start":2086.2048,"end":2086.4448,"confidence":0.8999349,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1336338222026825},{"word":"of","start":2086.4448,"end":2086.605,"confidence":0.99686486,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13993489742279053},{"word":"finish","start":2086.605,"end":2087.005,"confidence":0.9943153,"punctuated_word":"finish","sentiment":"neutral","sentiment_score":0.08384335041046143},{"word":"off","start":2087.005,"end":2087.1648,"confidence":0.69462687,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.14286057651042938},{"word":"the","start":2087.1648,"end":2087.325,"confidence":0.99371547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09511441737413406},{"word":"under","start":2087.325,"end":2087.565,"confidence":0.47617158,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.10356421768665314},{"word":"review","start":2087.565,"end":2088.065,"confidence":0.9871491,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":0.09119637310504912},{"word":"and","start":2088.365,"end":2088.525,"confidence":0.8559363,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15169231593608856},{"word":"then","start":2088.525,"end":2088.765,"confidence":0.9842738,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.17148829996585846},{"word":"following","start":2088.765,"end":2089.1648,"confidence":0.9935114,"punctuated_word":"following","sentiment":"neutral","sentiment_score":0.15721388161182404},{"word":"the","start":2089.1648,"end":2089.325,"confidence":0.92788005,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1467648297548294},{"word":"under","start":2089.325,"end":2089.565,"confidence":0.99649066,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.1390576958656311},{"word":"review","start":2089.565,"end":2089.885,"confidence":0.99768746,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.12359847128391266},{"word":"i","start":2089.885,"end":2090.045,"confidence":0.97443014,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23088374733924863},{"word":"will","start":2090.045,"end":2090.2048,"confidence":0.9992392,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1915653645992279},{"word":"go","start":2090.2048,"end":2090.365,"confidence":0.9995153,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.25613242387771606},{"word":"and","start":2090.365,"end":2090.525,"confidence":0.95039177,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1949062943458557},{"word":"do","start":2090.525,"end":2090.6848,"confidence":0.9992964,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.18440358340740204},{"word":"the","start":2090.6848,"end":2090.9248,"confidence":0.99831367,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21373111009597776},{"word":"research","start":2090.9248,"end":2091.4248,"confidence":0.99984896,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.15985649824142456},{"word":"to","start":2091.48,"end":2091.72,"confidence":0.9995659,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18277212977409363},{"word":"then","start":2091.72,"end":2091.96,"confidence":0.99954104,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2439338117837906},{"word":"see","start":2091.96,"end":2092.46,"confidence":0.9981729,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.2416864037513733},{"word":"which","start":2092.6,"end":2093.0,"confidence":0.99799013,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.16566646099090576},{"word":"investments","start":2093.0,"end":2093.48,"confidence":0.9965268,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.058508940041065216},{"word":"we","start":2093.48,"end":2093.64,"confidence":0.99918705,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18657679855823517},{"word":"wanna","start":2093.64,"end":2094.04,"confidence":0.95847666,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2352692633867264},{"word":"change","start":2094.04,"end":2094.3599,"confidence":0.9988236,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.2068744599819183},{"word":"for","start":2094.3599,"end":2094.6,"confidence":0.9997167,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2778134346008301},{"word":"you","start":2094.6,"end":2094.84,"confidence":0.99973375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27624863386154175},{"word":"potentially","start":2094.84,"end":2095.34,"confidence":0.7378043,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":0.2622945308685303},{"word":"to","start":2095.4,"end":2095.64,"confidence":0.989935,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23371107876300812},{"word":"make","start":2095.64,"end":2095.8,"confidence":0.9989674,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.23331931233406067},{"word":"sure","start":2095.8,"end":2096.04,"confidence":0.9995888,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.23636874556541443},{"word":"we","start":2096.04,"end":2096.2,"confidence":0.99959797,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3533533811569214},{"word":"have","start":2096.2,"end":2096.28,"confidence":0.999739,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3615027666091919},{"word":"you","start":2096.28,"end":2096.52,"confidence":0.99964106,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2960803508758545},{"word":"in","start":2096.52,"end":2096.84,"confidence":0.99956936,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4201124608516693},{"word":"a","start":2096.84,"end":2096.92,"confidence":0.9876864,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25143685936927795},{"word":"better","start":2096.92,"end":2097.24,"confidence":0.9995634,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.21306955814361572},{"word":"position","start":2097.24,"end":2097.74,"confidence":0.99850976,"punctuated_word":"position.","sentiment":"neutral","sentiment_score":0.21347469091415405},{"word":"yes","start":2102.28,"end":2102.78,"confidence":0.9566827,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10545750707387924},{"word":"yes","start":2103.495,"end":2103.995,"confidence":0.80844855,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.018651802092790604},{"word":"no","start":2105.175,"end":2105.495,"confidence":0.8748938,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.02043534070253372},{"word":"and","start":2105.495,"end":2105.8152,"confidence":0.8619745,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.008830040693283081},{"word":"by","start":2105.8152,"end":2105.975,"confidence":0.8846418,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.06578044593334198},{"word":"all","start":2105.975,"end":2106.215,"confidence":0.9997094,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.09311951696872713},{"word":"means","start":2106.215,"end":2106.6152,"confidence":0.99553406,"punctuated_word":"means,","sentiment":"neutral","sentiment_score":0.086683489382267},{"word":"write","start":2106.6152,"end":2106.7751,"confidence":0.9991683,"punctuated_word":"write","sentiment":"neutral","sentiment_score":0.1098049059510231},{"word":"it","start":2106.7751,"end":2106.935,"confidence":0.9995022,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11372383683919908},{"word":"down","start":2106.935,"end":2107.175,"confidence":0.99991775,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.16585418581962583},{"word":"so","start":2107.175,"end":2107.3352,"confidence":0.9700108,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.12312833964824677},{"word":"we","start":2107.3352,"end":2107.495,"confidence":0.99989176,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17050105333328247},{"word":"can","start":2107.495,"end":2107.5752,"confidence":0.99990916,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1726730465888977},{"word":"go","start":2107.5752,"end":2107.8152,"confidence":0.99985445,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1821201741695404},{"word":"through","start":2107.8152,"end":2107.975,"confidence":0.99986744,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.17379464209079742},{"word":"everything","start":2107.975,"end":2108.375,"confidence":0.9998417,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.1971588283777237},{"word":"together","start":2108.375,"end":2108.875,"confidence":0.9996033,"punctuated_word":"together.","sentiment":"neutral","sentiment_score":0.124227836728096},{"word":"yep","start":2109.895,"end":2110.395,"confidence":0.7290185,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11120331287384032},{"word":"okay","start":2110.455,"end":2110.955,"confidence":0.9044082,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08824425935745239},{"word":"yeah","start":2114.5352,"end":2114.7751,"confidence":0.96550995,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09268392622470856},{"word":"and","start":2114.7751,"end":2115.0151,"confidence":0.9300836,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09197431802749634},{"word":"it","start":2115.0151,"end":2115.0952,"confidence":0.99139917,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.19454023241996765},{"word":"it's","start":2115.175,"end":2115.3352,"confidence":0.99838674,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.18657438457012177},{"word":"good","start":2115.3352,"end":2115.5752,"confidence":0.9970009,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3921879827976227},{"word":"to","start":2115.5752,"end":2115.8152,"confidence":0.9916021,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2739211916923523},{"word":"to","start":2115.8152,"end":2115.975,"confidence":0.96931154,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3161935806274414},{"word":"go","start":2115.975,"end":2116.215,"confidence":0.99446315,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.32412445545196533},{"word":"through","start":2116.215,"end":2116.455,"confidence":0.9996006,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.3807408809661865},{"word":"it","start":2116.455,"end":2116.695,"confidence":0.9028859,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.2129808664321899},{"word":"but","start":2116.695,"end":2116.935,"confidence":0.8790653,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.13132262229919434},{"word":"yes","start":2116.935,"end":2117.175,"confidence":0.947477,"punctuated_word":"yes,","sentiment":"neutral","sentiment_score":0.24908703565597537},{"word":"like","start":2117.175,"end":2117.3352,"confidence":0.9990338,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2806645631790161},{"word":"i","start":2117.3352,"end":2117.495,"confidence":0.99935144,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24316053092479703},{"word":"said","start":2117.495,"end":2117.655,"confidence":0.99956995,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.23619702458381653},{"word":"i","start":2117.655,"end":2117.735,"confidence":0.99973005,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4279622435569763},{"word":"will","start":2117.735,"end":2117.975,"confidence":0.99748874,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.3883600234985352},{"word":"send","start":2117.975,"end":2118.215,"confidence":0.9999119,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.31860411167144775},{"word":"this","start":2118.215,"end":2118.375,"confidence":0.9687325,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.3508957624435425},{"word":"through","start":2118.375,"end":2118.6152,"confidence":0.9955751,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.40632563829422},{"word":"to","start":2118.6152,"end":2118.7751,"confidence":0.9948978,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.37759196758270264},{"word":"you","start":2118.7751,"end":2119.17,"confidence":0.9201442,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.2877279222011566},{"word":"and","start":2120.13,"end":2120.53,"confidence":0.98125654,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.34843990206718445},{"word":"we'll","start":2120.53,"end":2120.8499,"confidence":0.9973452,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.3901034593582154},{"word":"go","start":2120.8499,"end":2121.01,"confidence":0.9993667,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.45528703927993774},{"word":"through","start":2121.01,"end":2121.25,"confidence":0.9998642,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.44151371717453},{"word":"everything","start":2121.25,"end":2121.75,"confidence":0.9986602,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.4056459069252014},{"word":"together","start":2121.8098,"end":2122.21,"confidence":0.99932826,"punctuated_word":"together","sentiment":"positive","sentiment_score":0.4126524329185486},{"word":"on","start":2122.21,"end":2122.3699,"confidence":0.99988353,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.35793277621269226},{"word":"monday","start":2122.3699,"end":2122.8699,"confidence":0.99989706,"punctuated_word":"Monday.","sentiment":"neutral","sentiment_score":0.2787413001060486},{"word":"yep","start":2124.29,"end":2124.79,"confidence":0.9593362,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2748739421367645},{"word":"perfect","start":2124.93,"end":2125.25,"confidence":0.9925139,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.7844196557998657},{"word":"well","start":2125.25,"end":2125.49,"confidence":0.99907506,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.6762449741363525},{"word":"thank","start":2125.49,"end":2125.65,"confidence":0.99973756,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.7906604409217834},{"word":"you","start":2125.65,"end":2125.8098,"confidence":0.9999051,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8181361556053162},{"word":"so","start":2125.8098,"end":2125.97,"confidence":0.99950314,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7743561267852783},{"word":"much","start":2125.97,"end":2126.21,"confidence":0.9999051,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.8493286967277527},{"word":"for","start":2126.21,"end":2126.3699,"confidence":0.99976736,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8218587636947632},{"word":"your","start":2126.3699,"end":2126.53,"confidence":0.9995214,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7774187326431274},{"word":"time","start":2126.53,"end":2126.69,"confidence":0.98371065,"punctuated_word":"time,","sentiment":"positive","sentiment_score":0.5607931017875671},{"word":"and","start":2126.69,"end":2126.8499,"confidence":0.9999269,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5774358510971069},{"word":"i","start":2126.8499,"end":2127.01,"confidence":0.9999771,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5500237941741943},{"word":"look","start":2127.01,"end":2127.17,"confidence":0.9905703,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.6282970309257507},{"word":"forward","start":2127.17,"end":2127.41,"confidence":0.99996424,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.6200708746910095},{"word":"to","start":2127.41,"end":2127.5698,"confidence":0.99929357,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6017886400222778},{"word":"speaking","start":2127.5698,"end":2127.8098,"confidence":0.99991083,"punctuated_word":"speaking","sentiment":"positive","sentiment_score":0.6612383723258972},{"word":"with","start":2127.8098,"end":2127.97,"confidence":0.9998665,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.646895706653595},{"word":"you","start":2127.97,"end":2128.13,"confidence":0.9997677,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5808866024017334},{"word":"monday","start":2128.13,"end":2128.63,"confidence":0.9843529,"punctuated_word":"Monday.","sentiment":"positive","sentiment_score":0.5872350931167603},{"word":"bye","start":2129.8098,"end":2130.3098,"confidence":0.996138,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.13027796149253845}],"paragraphs":{"transcript":"\nGood afternoon. This is Veronica from Oakview Financial. How are you this afternoon? I'm good. Thanks.\n\nI had you booked in for a little bit of a catch up. Is now still a good time for you? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nPerfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Perfect. That's exactly what I have here. How's your day been so far?\n\nBeen busy? Well, I'll try not to keep you for too long. Essentially, I do have you booked in because I believe you had a couple of questions in regards to the child bond with Gen Life. Yeah. And I can see here that you your main kind of question was in regards to making additional kind of lump sum contributions for your children?\n\nCorrect. Correct. Yes. That's correct. Correct.\n\nThat's correct. Yeah. Yes. Sorry. Definitely, the first twelve months is great because it does give you that flexibility.\n\nSo if it is that you do have a bit of a lump sum that you do wanna put in, most definitely, Drew, sorry, within the first twelve months. I did have a look as well just to confirm, and you are correct, that the anniversary date is the April 22. So if it is that you do have a little bit that you wanna put in, I suggest doing that before the April 22 just to give you that flexibility for the next couple of years. Because after the first twelve months, it is that 125 rule. So, basically, if you because I think you're doing the $250 per month contributions.\n\nIs that correct? Yep. So if, for example, you do $250 for twelve months and then you do, let's say, 10,000 as a lump sum, that means that in a twelve month period, you've done six sorry, $13,000. Then next year, that means that you can do a 125 percent of that. You don't have to.\n\nIt just means that it allows you to. So that would mean that you can do up to 16,250 without resetting any time frame. You don't have to. You can still then decide to just do the $250 for the whole duration if you want to for the next next year. But it would mean that the following year, you can basically just do a 125% of the previous year.\n\nSo whatever that might be, it changes. No. No. Mhmm. Yep.\n\nYes. Yes. So yeah. So what I'll actually do is because your annual review is also due, I have actually prepped the documents for you for your annual review, and part of that is actually a summary of the Gen Life form. So what I will do do you have access to your emails at the moment, Jayesh?\n\nOr not really? Yep. Okay. Perfect. So I'm just gonna send this to you so we can kind of start there.\n\nAnd that yep. Yep. Yep. Mhmm. Yeah.\n\nYep. Correct. That is correct. Yep. Mhmm.\n\nYep. '22. So I'll just yes. No. Correct.\n\nCorrect. You can. You even can. So if there's ever a situation where your finances change and you decide that I cannot make any contributions whatsoever anymore, you can stop it. There is nothing saying you have to.\n\nThe only kind of thing to be mindful of is that, let's say, for this one year that you make zero contributions because a 125% of zero is zero. So that just means that if you completely stop, and then let's say in two years' time, you go, oh, no. I wanna start it. It would then reset the time frame. But to get around that, you could open up, like, another one, for example.\n\nThat is the only kind of downside by decreasing for the next couple of years if it is something that you want to do. But you don't have to do a 125 at all. You can decide to do just keeping it exactly the same for the whole duration of the bond. You could just keep the $2.50 per month for for the rest of the duration. You don't have to change it.\n\nIt just allows you to do up to a max of that amount. Does that make sense? Mhmm. Yep. So let's say the April 22 until 04/22/2027.\n\nSo between the April 2026 and 04/22/2027, you stop contributions altogether. So you don't do anything. That means that the year 2027 to 2028, you can't make contributions because you've stopped it. So that would reset. Correct.\n\nCorrect. Exactly. So that is the only the only kind of thing to be mindful of if you decrease it. But it would it It yeah. So the only way to go back if you stop for a whole year is to either open up a new investment bond if you don't wanna reset the time frame.\n\nOr if you do start making those $2.50, it will reset the time frame. So that is kind of correct. No. No. They all say that.\n\nIt just means from a tax point of view. So let's say you make contributions, and then you you say that from ten years or when you set the bond up, you wanna take it all out and give to your children. If you let's say after five years, stop contribution, and then let's say, year seven, you decide to put more in, you still have all the gains. All the money is still there. It's still yours.\n\nIt just means that from what makes us so tax effective with the bond, obviously, having that 0%, that time frame reset. So if you put money in at correct. Exactly. So if it just resets the time frame if you stop for twelve months. Yeah.\n\nSo all the money is still there. It just kind of makes it, like, not as tax effective by resetting the the time frame. But let's say if you have it that your time frame is ideally fifteen years, let's say, then you can reset the time frame. It doesn't really matter because you don't wanna take the money out for fifteen years anyway. So all the money is still there.\n\nIt is a bit complex, but does it kind of make sense? It seems like you have a pretty good understanding of it. Yes. Yes. Yep.\n\nYep. It does. So it kind of it changes every year, which is a 120. So let's say 2020 sorry. April, for simplicity, let's keep it April 2026 to April 2027.\n\nLet's say you did $200 a month. Now that is 2,400. Now the 2027 to 2028, you can then do 3,000 max for that year because that is a 100 and twenty. Correct. So the 100 and 20 no.\n\nNo. No. No. Not that. As long as you don't go over one twenty, which is why they call it a 120% rule.\n\nSo if if you stay within the 125%, you can, if you want through every year, increase it to the max amount, and you'll stay with with under the threshold. It's just if you go over. The good thing with correct. Correct. Correct.\n\nYes. 100%. Yes. Correct. And the good no.\n\nExactly. And the good thing with Genlife as well is that if for for some reason, you forget the rule or you are not sure how much you've done and you put extra in, and you don't tell us and you're just like, oh, yeah. I wanna put in. Genlife will notify us. So they have kind of a safety, so they will notified us and say, hey.\n\nWe've seen that there's more than a 125% added this year. Is that correct, or do you want us to refund some of the amount? So they are very good with letting us know and communicate if it is a situation. But I would say if you are unsure or if you're trying to do more, just give us a call, and we can can just run through the numbers just to make sure you stay under the threshold. Yeah.\n\nDoes that answer those questions for you? Yeah. Yeah. No. That's okay.\n\nOh, yes. And it it it is messy, and sometimes it's good to refresh because especially in a year's time, you're like, oh, yeah. And I would much rather have you calling. And if that's every six months or three months we go through this and make sure that you have all the information and we do the right thing for you and your kids, that's fine. You know?\n\nRather that way, then you forget and then do something completely different. And then I'm like, no. Why did we do that? So that is that is yeah. Yes.\n\nYes. And it is good that you have the the regular contribution plan. I think that is one of the best way. Because one, it comes out automatically. You don't have to think about it.\n\nCorrect. And it also takes advantage of all the ups and downs in the market because it's near impossible to kinda time when it's the best time. But doing it regular means that sometimes you're buying when the prices is a little bit high. Sometimes you're buying at the bottom, which is great. So it kind of evens that out by doing it regular for you as well.\n\nYes. Yep. I think yeah. So in order for me to make an official recommendation, I have to do it through a statement of advice because it is personal advice. From a general point of view is if you have additional money at the moment that you want to, obviously, make sure it does a bit more for your children, with everything going on in the market at the moment, it's not necessarily a bad time as long as the investments are correct because prices and things in some areas are down.\n\nSo it's not a bad thing, especially if it's a long term investment because historically speaking as well, the market always go goes up as long as there's no fundamental issues with the investment itself. So it's not a bad thing, especially if it's a long term investment. The other kind of side of it would be like, okay. Well, what are your other goals? What else are you trying to achieve?\n\nAnd if by putting a lump sum into this, does that impact other things? But in terms of from simplicity, should you put more money in if you have the capacity to do so and it doesn't impact other goals for you, it is a very tax effective way to do it. Does that make sense? Yes. Exactly.\n\nSo, obviously, things are which is actually the documents. So do you have access to your emails at the moment? Yep. Perfect. So we have just changed the software, so it might look a little bit different to what you are used to.\n\nWhen you click on the email so before you click on the link so when you click on the link, it will get you to sign the document. Before you do that, you will see that there are a couple of attachments. Can you see those? Like, can you see yep. Yeah.\n\nSo if you just get out of that first, just so I can run through the other documents before I get you to sign anything just to make sure you're happy. If you can just just before clicking on the link, if you scroll down at the bottom of the email, can you see where it says, like, Vanguard index chart and Hub 20 four? Yes. So for example, if you wanna click on the Vanguard index chart for me. Let me just see.\n\nCan you see that okay? Yep. Sure. And you probably have seen something similar to this before. Yep.\n\nPerfect. So this is kind of a good visual way of explaining and seeing the market and seeing the ups and downs. So, obviously, this one here goes all the way back through 1995 and then through through 2025. And it shows you as well kind of, you know, over the long term, the market always goes up. Short term, though, there are those ups and downs and market fluctuations.\n\nAnd sometimes you can see as well that, like, the biggest decreases in the market are quite closely followed by the market going back up again, obviously, depending on what is going on. And this one here also breaks down the different asset classes. So to the right, you will see your top four. So US shares, Australian shares, international shares, and property. Now these kind of falls into the category of we would call your growth investment.\n\nSo so they are the ones that's going to maximize that growth for you. The bottom three are your defensive. So these are a little bit more, obviously smoother as you can see, but they don't grow as much. So these are your defenses. Now with your Genlife investment portfolio that I know you set up with my colleague, Kyle, you are in a Vanguard, let me just see, head growth portfolio, I believe.\n\nYes. Which is kind of aiming for around a eighty twenty split. So about 80% typically in those top four and about 20 in the bottom because you do have obviously time until, you know, at least that ten years until you wanna give it to your children or whenever you decide that you would like to give it to them. So it is a, you know, a good time frame to do that. Now the next two attachments that I can see here is your Genlife portfolio per service port.\n\nSorry. Can you see those? They're just exactly which is just your generation life. You can see that, obviously, it's a child build up bond, investment bond. You can also see your Vanguard growth portfolio there.\n\nYou can see your closing balance at the moment. So at the moment, you have 13,568 and 85¢. And then you can see the total after tax performance. So that is still at 6.25 despite everything going on in the market, which is not bad given the last twelve months have seen a bit of a fluctuation. So that's those for you.\n\nNow the next one is your hub twenty four portfolio report. Can you see that okay? Yes. Now this one here is probably the one that looks the messiest. But this one essentially shows you your hub twenty four investment over the last twelve months.\n\nNow this is all after fees as well. Sorry. Yep. No. That's okay.\n\nAnd while that loads for you, we currently have you invested in a growth portfolio as well for your superannuation. Are you still comfortable with that growth portfolio, or has your risk tolerance or anything changed? No. Yep. Okay.\n\nPerfect. And you do have the time frame behind you as well in a growth portfolio because, typically, we say, you know, a growth, we do wanna see ideally a minimum of six years until retirement, making sure, obviously, you have enough time for those ups and downs and market fluctuations, which you do have. And it's also that kind of eighty twenty split. Did that open up? Yes.\n\nYes. Yes. So exactly that dividends and stuff paid, and then growth in the period is obviously increasing in prices and stuff for you. So it kind of breaks it down. And, typically, what most people are interested in is the end value and the start value and then the internal rate of return column, which is the second one to the right.\n\nBecause this one here is the individual return of each of your investments and how they have performed all after fees. Now the total of everything as well doesn't include your contributions. This is just how your investments have done. So as you can see here, there is a bit of a So as you can see here, there is a bit of a spread, obviously, again, because what is going on in the market. So as you can see that the ones in the bracket, which is your Benelon Australian equity, and then the beta shares live global cybersecurity.\n\nNow these are the ones that's currently down at the moment. The rest are positive. So with your portfolio as well, with the global cybersecurity, obviously, AI technology, that space is not going anywhere anytime soon. So there are obviously opportunities in this space, and it is more of like a cyclical trend wide down at the moment. Overall, kind of tech stocks have been a little bit weaker overall, especially globally.\n\nIt's not something that we kind of long term at the moment are too concerned about, though, because it is a good stable investment long term. And, obviously, there are a lot of things in the AI space at the moment. You also wanna avoid sometimes selling if you believe in the investment selling when the prices are down because that's when you are crystallizing the losses. However, with the Bennelong investment can you see that one? That's the one that's down the most.\n\nNow this investment here, I do want to look at reviewing for you. The reason being is that the Benelon Australian Equity, it is a little bit different to your other investments in that it is a managed fund. Have you heard of that before? No. No.\n\nSorry. How that one is different is that they are a managed fund, and the the purpose is to actively buy and sell different investments in order to try to outperform the market. Whereas the other investments are kind of tracking an index. So for example, iShares S and P 500 is to kinda compare, which is the one at the bottom, which it says I b b. Now this one here, to kinda simplify it, it invests in the 500 largest companies listed on in The US.\n\nSo as a company grows and you get in through those 500 biggest companies, it gets added to the investments. And as something gets smaller, it comes out. So you basically just track the the 500 biggest companies, which is obviously a lot of growth opportunities in The US space in that way. So you don't need as much co kind of research or actively buying and selling, which can trigger capital gains tax for these investments. So then along was added to the portfolio to give you that kind of active component, which does trying to outperform the market by buying and selling more frequently.\n\nNow at the time when it was added to your portfolio as well, it was one of their best performing fund managers, and they had performed really well. More recently, they have underperformed, which you can see here. There are a couple of reasons why we look through we want to look at reviewing the portfolio and potentially swap that out if we can find something else. Is that because if you are paying to have someone actively buying and selling during the research, you wanted to outperform. And if it's not outperforming, then why are you paying a little bit of extra for it, essentially?\n\nExact exactly. Now, also, they have made a couple of calls on different investments that haven't played off recently, and they've been a little bit slower in making changes. So we've been a little bit kind of, okay. Well, that might not be the best option moving forward. And another reason is it wasn't really them, but one of the companies that they had in their portfolio was Corporate Travel Group.\n\nNow they had a bit of issues with reporting. I'm not sure if you've heard of them. I think it was on the news. Yeah. So obviously, had a bit of issues, cost suspension.\n\nThey couldn't trade, obviously, things fell. So if you are happy for me to do so, I would like to do a bit more research on your investments, but specifically just your one. The other ones are not doing too bad, but I still would just like to review everything as a whole because it is good to do because things always change. The market always change, and we wanna make sure that we always keep up to date with obviously making sure that whatever we have you invested in is going to be the best for you. And it's all part of the ongoing service.\n\nThere's no additional fees or anything like that. It's all part of the ongoing service to see if we wanna swap that out for you for something else. Are you happy for me to do that? Yeah. Wait.\n\nSo oh, for you, Drew. So how many four? Just cover that as your bank account, basically, or your super. Exactly. Where we do all of that.\n\nNow with the investment, I do wanted to check something else with you is have you read our newsletter at all? Do you read that every now and then or or not really? No. Most people are the same. That's why I asked.\n\nI do suggest maybe going back on the the last one after the call if you want to. The reason I do ask is that we have recently merged or joined forces with BlackRock. Have you heard of BlackRock? They are massive. Yeah.\n\nSo we've joined and partnered up with them to create our own SMA, so a self managed account. Have you ever heard of that? No. Sorry. The way that the so you can still obviously do it in Hub twenty four still within your super.\n\nIt's just a slightly different way. So at the moment, you have what we would call, like, your model portfolio. So you can see all your individual investments here. Now if I want to go and make a change, so, obviously, the investment committee, if we we do all the research and we just see that, for example, Bennelong might not be the best option, we wanna change it out for you. We would obviously go and do all the research.\n\nBut to make a change, I would have to put everything in a SOA for you, go through the changes, and then you would have to sign and agree to the change before I can make the change. Obviously, that process does take a little bit because it is quite compliant and heavy from research. So it does take a little bit, which it gives you the full control of the change, but at the same time, it sometimes a bit of a lagging effect because it takes a little bit to do. And, obviously, things with market fluctuations, sometimes you wanna react quickly, but, obviously, a lot of it is kind of long term investment. Now how the SMA?\n\nYeah. No. That's okay. Yes. Yeah.\n\nIt had done so well. Yes. Yes. Pretty high holding. Yes.\n\nExactly. Yes. Exactly. Which is why so I know I'm very mindful of you leaving, so I just wanted to check. SMA, how it's different is that you invest in a portfolio.\n\nNow we invest we black with that. So we joined their investment committee along with our investment committee to come up with the investment in the estimate. The the biggest benefit is that we can chop and change investments straight away because you are just invested in a portfolio. Yes. We can talk a little bit more.\n\nYes. Yep. Often, it's insurances and other investment fees, admin fees, and stuff like that. My screen has just frozen at the moment. I can what I can do is I can pull a withdrawal of report from Hub twenty four and email it to you as well.\n\nJust because it's kind of froze frozen at the moment. Now when is a good time for me to just kind of finish off this call with you? Should only maybe be another fifteen minutes to kind of go through the rest of there. Yep. Perfect.\n\nNow now when next week? Sorry. Do you prefer same time as now? So Tuesday afternoon, I am fully booked, but I can do Monday afternoon or Wednesday afternoon, same time as we did today. Let me see.\n\nThree. Yeah. I I can I can shuffle a few things around, and we can I can make that work? Yep. That is no problem.\n\nSo that is Monday the thirtieth, and that is 04:30 your time. Yep. Perfect. Well, thank you so much for your time today, Jayesh, and I look forward to speaking with you. Finish this off on Monday.\n\nYes. Yeah. Yes. Exactly. So we do wanna look at swapping that out as soon as we can.\n\nSorry. So it yeah. So it's more of we've always it takes some time because you don't wanna make changes quickly because you don't wanna sell out while it's a loss because that mean you are crystallizing the losses. So there is a lot of obviously extensive research for the investment committee to obviously decide that it might not be the best thing moving forward. And because they historically have done so well, you also don't wanna pull the trigger too quickly because you also wanna make sure that if you're gonna come back around, then you wanna sell when it comes up a little bit.\n\nYou don't wanna sell at the bottom unless you see it not going up. So it's only been more recently where the investment committee made the decision that we wanna look at swapping that out. Before then. You wanna give it some time as well to make sure if it's gonna come back around and if it's a bit more of of a good investment because you don't wanna sell at the bottom unless you have to. Mhmm.\n\nMhmm. Yes. Yep. Exactly. Yeah.\n\nMhmm. Like insurances? Yep. It's still yeah. So it's no.\n\nThat's yeah. So what I'll do, because I know you might full time, I will get the withdrawal amount emailed through so you have it before call on Monday. I'll also send you some more information on the estimate so that you can again read up on it to see if it's something that you are interested in. And in this report, it shows you that even though you've had fees come out, it's still gone up only by about 3.6, but it's still up. So it hasn't grown as much, but it's still not down even after fees.\n\nSo even in the the period, it's still gone up a little bit. So what I'll do is, like I said, I can send you this oh, you have it already, but I can send the portfolio withdrawals so that you have that in detail, a bit more information in regards to the SMA. If you have any other questions and stuff that you can think of, though, just please write them down, and we can go through it next Monday when we kind of finish off the under review. And then following the under review, I will go and do the research to then see which investments we wanna change for you potentially to make sure we have you in a better position. Yes.\n\nYes. No. And by all means, write it down so we can go through everything together. Yep. Okay.\n\nYeah. And it it's good to to go through it. But, yes, like I said, I will send this through to you, and we'll go through everything together on Monday. Yep. Perfect.\n\nWell, thank you so much for your time, and I look forward to speaking with you Monday. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":4.08,"end":4.8199997,"sentiment":"positive","sentiment_score":0.4987809509038925},{"text":"This is Veronica from Oakview Financial.","start":4.88,"end":6.98,"sentiment":"positive","sentiment_score":0.37143189708391827},{"text":"How are you this afternoon?","start":7.2,"end":8.34,"sentiment":"neutral","sentiment_score":0.32122473120689393},{"text":"I'm good.","start":9.92,"end":10.8,"sentiment":"positive","sentiment_score":0.5622481107711792},{"text":"Thanks.","start":10.8,"end":11.3,"sentiment":"positive","sentiment_score":0.6479810476303101}],"sentiment":"positive","sentiment_score":0.41279713809490204,"num_words":16,"start":4.08,"end":11.3},{"sentences":[{"text":"I had you booked in for a little bit of a catch up.","start":12.08,"end":14.4,"sentiment":"neutral","sentiment_score":0.32386154853380644},{"text":"Is now still a good time for you?","start":14.4,"end":15.975,"sentiment":"positive","sentiment_score":0.3451458662748337},{"text":"Yep.","start":16.775,"end":17.275,"sentiment":"neutral","sentiment_score":0.12481465190649033},{"text":"Perfect.","start":17.815,"end":18.315,"sentiment":"positive","sentiment_score":0.5366238951683044},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":18.935001,"end":26.315,"sentiment":"neutral","sentiment_score":0.062013226978737734}],"sentiment":"neutral","sentiment_score":0.1813690228960835,"num_words":52,"start":12.08,"end":26.315},{"sentences":[{"text":"Perfect.","start":27.815,"end":28.315,"sentiment":"positive","sentiment_score":0.3882688879966736},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":28.375,"end":35.97,"sentiment":"neutral","sentiment_score":0.07393078964490157},{"text":"Perfect.","start":44.685,"end":45.085,"sentiment":"positive","sentiment_score":0.5204812288284302},{"text":"That's exactly what I have here.","start":45.085,"end":46.705,"sentiment":"positive","sentiment_score":0.5309033542871475},{"text":"How's your day been so far?","start":46.845,"end":48.125,"sentiment":"neutral","sentiment_score":0.12265346571803093}],"sentiment":"neutral","sentiment_score":0.16880728919059038,"num_words":40,"start":27.815,"end":48.125},{"sentences":[{"text":"Been busy?","start":48.125,"end":48.865,"sentiment":"neutral","sentiment_score":-0.018573263660073277},{"text":"Well, I'll try not to keep you for too long.","start":51.325,"end":53.425003,"sentiment":"neutral","sentiment_score":-0.02610199935734272},{"text":"Essentially, I do have you booked in because I believe you had a couple of questions in regards to the child bond with Gen Life.","start":54.125,"end":61.55,"sentiment":"neutral","sentiment_score":0.08406014651060105},{"text":"Yeah.","start":63.13,"end":63.63,"sentiment":"neutral","sentiment_score":0.04951373487710953},{"text":"And I can see here that you your main kind of question was in regards to making additional kind of lump sum contributions for your children?","start":64.49,"end":72.665,"sentiment":"neutral","sentiment_score":0.05275689624249935}],"sentiment":"neutral","sentiment_score":0.05038328404771164,"num_words":64,"start":48.125,"end":72.665},{"sentences":[{"text":"Correct.","start":78.085,"end":78.585,"sentiment":"neutral","sentiment_score":0.05657915771007538},{"text":"Correct.","start":85.619995,"end":86.1,"sentiment":"neutral","sentiment_score":0.06219986081123352},{"text":"Yes.","start":86.1,"end":86.42,"sentiment":"neutral","sentiment_score":0.06011978164315224},{"text":"That's correct.","start":86.42,"end":87.159996,"sentiment":"neutral","sentiment_score":0.02863112185150385},{"text":"Correct.","start":92.1,"end":92.6,"sentiment":"neutral","sentiment_score":0.10135403275489809}],"sentiment":"neutral","sentiment_score":0.05625251277039448,"num_words":6,"start":78.085,"end":92.6},{"sentences":[{"text":"That's correct.","start":92.659996,"end":93.479996,"sentiment":"neutral","sentiment_score":0.13335314020514488},{"text":"Yeah.","start":98.755,"end":98.91499,"sentiment":"neutral","sentiment_score":0.07835070788860321},{"text":"Yes.","start":98.91499,"end":99.41499,"sentiment":"neutral","sentiment_score":0.07329043000936508},{"text":"Sorry.","start":99.795,"end":100.295,"sentiment":"neutral","sentiment_score":0.06572365015745163},{"text":"Definitely, the first twelve months is great because it does give you that flexibility.","start":100.354996,"end":105.494995,"sentiment":"neutral","sentiment_score":0.31623205649001257}],"sentiment":"neutral","sentiment_score":0.25849051891188873,"num_words":19,"start":92.659996,"end":105.494995},{"sentences":[{"text":"So if it is that you do have a bit of a lump sum that you do wanna put in, most definitely, Drew, sorry, within the first twelve months.","start":106.59499,"end":116.19,"sentiment":"neutral","sentiment_score":0.11962118706312673},{"text":"I did have a look as well just to confirm, and you are correct, that the anniversary date is the April 22.","start":116.729996,"end":122.59,"sentiment":"neutral","sentiment_score":0.08736256939697672},{"text":"So if it is that you do have a little bit that you wanna put in, I suggest doing that before the April 22 just to give you that flexibility for the next couple of years.","start":123.05,"end":132.735,"sentiment":"neutral","sentiment_score":0.2968481828769048},{"text":"Because after the first twelve months, it is that 125 rule.","start":133.835,"end":138.895,"sentiment":"neutral","sentiment_score":0.1358690024776892},{"text":"So, basically, if you because I think you're doing the $250 per month contributions.","start":139.49,"end":144.15,"sentiment":"neutral","sentiment_score":0.08284425788692065}],"sentiment":"neutral","sentiment_score":0.16724914440003755,"num_words":112,"start":106.59499,"end":144.15},{"sentences":[{"text":"Is that correct?","start":144.37,"end":145.19,"sentiment":"neutral","sentiment_score":0.07948519537846248},{"text":"Yep.","start":145.81,"end":146.31,"sentiment":"neutral","sentiment_score":0.33124715089797974},{"text":"So if, for example, you do $250 for twelve months and then you do, let's say, 10,000 as a lump sum, that means that in a twelve month period, you've done six sorry, $13,000.","start":146.61,"end":160.295,"sentiment":"neutral","sentiment_score":0.288791278267608},{"text":"Then next year, that means that you can do a 125 percent of that.","start":161.07501,"end":166.035,"sentiment":"positive","sentiment_score":0.4560586767537253},{"text":"You don't have to.","start":166.035,"end":166.835,"sentiment":"positive","sentiment_score":0.3848687782883644}],"sentiment":"neutral","sentiment_score":0.3270161211756723,"num_words":56,"start":144.37,"end":166.835},{"sentences":[{"text":"It just means that it allows you to.","start":166.835,"end":168.69,"sentiment":"positive","sentiment_score":0.4155656546354294},{"text":"So that would mean that you can do up to 16,250 without resetting any time frame.","start":168.93001,"end":176.55,"sentiment":"positive","sentiment_score":0.4221408497542143},{"text":"You don't have to.","start":177.33,"end":178.21,"sentiment":"positive","sentiment_score":0.35527658462524414},{"text":"You can still then decide to just do the $250 for the whole duration if you want to for the next next year.","start":178.21,"end":186.535,"sentiment":"positive","sentiment_score":0.36747250867926556},{"text":"But it would mean that the following year, you can basically just do a 125% of the previous year.","start":186.755,"end":192.835,"sentiment":"neutral","sentiment_score":0.31189110247712387}],"sentiment":"positive","sentiment_score":0.36968119740486144,"num_words":70,"start":166.835,"end":192.835},{"sentences":[{"text":"So whatever that might be, it changes.","start":192.835,"end":195.49501,"sentiment":"neutral","sentiment_score":0.23286217238221849},{"text":"No.","start":199.65001,"end":200.15001,"sentiment":"neutral","sentiment_score":-0.09331998229026794},{"text":"No.","start":200.77,"end":201.27,"sentiment":"neutral","sentiment_score":-0.09495604783296584},{"text":"Mhmm.","start":205.73,"end":205.81,"sentiment":"neutral","sentiment_score":0.03430992737412453},{"text":"Yep.","start":205.81,"end":206.31,"sentiment":"neutral","sentiment_score":0.07385151088237762}],"sentiment":"neutral","sentiment_score":0.14090187407352708,"num_words":11,"start":192.835,"end":206.31},{"sentences":[{"text":"Yes.","start":207.97,"end":208.395,"sentiment":"neutral","sentiment_score":0.13167604804039},{"text":"Yes.","start":208.955,"end":209.455,"sentiment":"neutral","sentiment_score":0.08730389177799225},{"text":"So yeah.","start":215.27501,"end":220.475,"sentiment":"neutral","sentiment_score":0.09740397334098816},{"text":"So what I'll actually do is because your annual review is also due, I have actually prepped the documents for you for your annual review, and part of that is actually a summary of the Gen Life form.","start":220.475,"end":234.76,"sentiment":"neutral","sentiment_score":0.1651151444959013},{"text":"So what I will do do you have access to your emails at the moment, Jayesh?","start":235.32501,"end":239.565,"sentiment":"neutral","sentiment_score":0.05841464200057089}],"sentiment":"neutral","sentiment_score":0.1314275456785128,"num_words":58,"start":207.97,"end":239.565},{"sentences":[{"text":"Or not really?","start":239.565,"end":240.46501,"sentiment":"neutral","sentiment_score":0.002443800990780195},{"text":"Yep.","start":240.845,"end":241.345,"sentiment":"neutral","sentiment_score":0.1748153418302536},{"text":"Okay.","start":241.405,"end":241.80501,"sentiment":"neutral","sentiment_score":0.32844188809394836},{"text":"Perfect.","start":241.80501,"end":242.205,"sentiment":"positive","sentiment_score":0.4586444199085235},{"text":"So I'm just gonna send this to you so we can kind of start there.","start":242.205,"end":244.945,"sentiment":"neutral","sentiment_score":0.26161791384220123}],"sentiment":"neutral","sentiment_score":0.23302389335419452,"num_words":21,"start":239.565,"end":244.945},{"sentences":[{"text":"And that yep.","start":246.365,"end":254.20001,"sentiment":"neutral","sentiment_score":0.07076783354083697},{"text":"Yep.","start":258.34,"end":258.84,"sentiment":"neutral","sentiment_score":0.10749947279691696},{"text":"Yep.","start":263.79498,"end":264.29498,"sentiment":"neutral","sentiment_score":0.15846383571624756},{"text":"Mhmm.","start":269.79498,"end":270.29498,"sentiment":"neutral","sentiment_score":0.04178467392921448},{"text":"Yeah.","start":275.89,"end":276.39,"sentiment":"neutral","sentiment_score":0.04085194319486618}],"sentiment":"neutral","sentiment_score":0.08012906089425087,"num_words":7,"start":246.365,"end":276.39},{"sentences":[{"text":"Yep.","start":283.745,"end":284.245,"sentiment":"neutral","sentiment_score":0.04527001082897186},{"text":"Correct.","start":289.50497,"end":290.00497,"sentiment":"neutral","sentiment_score":0.1098637357354164},{"text":"That is correct.","start":290.705,"end":291.685,"sentiment":"neutral","sentiment_score":0.21536455055077872},{"text":"Yep.","start":291.745,"end":292.245,"sentiment":"neutral","sentiment_score":0.20810344815254211},{"text":"Mhmm.","start":298.13998,"end":298.63998,"sentiment":"neutral","sentiment_score":0.1835857331752777}],"sentiment":"neutral","sentiment_score":0.17041665422064917,"num_words":7,"start":283.745,"end":298.63998},{"sentences":[{"text":"Yep.","start":303.66,"end":304.16,"sentiment":"neutral","sentiment_score":0.1287950575351715},{"text":"'22.","start":310.155,"end":311.055,"sentiment":"neutral","sentiment_score":0.021974798291921616},{"text":"So I'll just yes.","start":311.435,"end":312.73502,"sentiment":"neutral","sentiment_score":0.051141402684152126},{"text":"No.","start":319.67502,"end":320.17502,"sentiment":"neutral","sentiment_score":-0.14201165735721588},{"text":"Correct.","start":322.19,"end":322.69,"sentiment":"neutral","sentiment_score":0.12356042861938477}],"sentiment":"neutral","sentiment_score":0.042110529728233814,"num_words":8,"start":303.66,"end":322.69},{"sentences":[{"text":"Correct.","start":323.22998,"end":323.71,"sentiment":"neutral","sentiment_score":0.15735259652137756},{"text":"You can.","start":323.71,"end":324.43,"sentiment":"neutral","sentiment_score":0.2123761922121048},{"text":"You even can.","start":324.43,"end":325.22998,"sentiment":"neutral","sentiment_score":0.2104626993338267},{"text":"So if there's ever a situation where your finances change and you decide that I cannot make any contributions whatsoever anymore, you can stop it.","start":325.22998,"end":334.125,"sentiment":"neutral","sentiment_score":-0.07452923320233822},{"text":"There is nothing saying you have to.","start":334.205,"end":336.705,"sentiment":"neutral","sentiment_score":-0.09105981567076274}],"sentiment":"neutral","sentiment_score":-0.0338725384422823,"num_words":38,"start":323.22998,"end":336.705},{"sentences":[{"text":"The only kind of thing to be mindful of is that, let's say, for this one year that you make zero contributions because a 125% of zero is zero.","start":336.925,"end":348.625,"sentiment":"neutral","sentiment_score":-0.044911817230027296},{"text":"So that just means that if you completely stop, and then let's say in two years' time, you go, oh, no.","start":348.88998,"end":355.05,"sentiment":"neutral","sentiment_score":-0.02326929187845616},{"text":"I wanna start it.","start":355.05,"end":356.41,"sentiment":"neutral","sentiment_score":-0.043679799884557724},{"text":"It would then reset the time frame.","start":356.41,"end":358.09,"sentiment":"neutral","sentiment_score":-0.008723190852573939},{"text":"But to get around that, you could open up, like, another one, for example.","start":358.09,"end":361.47,"sentiment":"neutral","sentiment_score":0.0311943595962865}],"sentiment":"neutral","sentiment_score":-0.02120211107035478,"num_words":75,"start":336.925,"end":361.47},{"sentences":[{"text":"That is the only kind of downside by decreasing for the next couple of years if it is something that you want to do.","start":361.70502,"end":369.24503,"sentiment":"neutral","sentiment_score":0.02740299639602502},{"text":"But you don't have to do a 125 at all.","start":369.30502,"end":371.545,"sentiment":"neutral","sentiment_score":0.15896721184253693},{"text":"You can decide to do just keeping it exactly the same for the whole duration of the bond.","start":371.545,"end":376.99002,"sentiment":"neutral","sentiment_score":0.2468888842397266},{"text":"You could just keep the $2.50 per month for for the rest of the duration.","start":376.99002,"end":380.67,"sentiment":"positive","sentiment_score":0.4692717750867208},{"text":"You don't have to change it.","start":380.67,"end":382.03,"sentiment":"positive","sentiment_score":0.38336560130119324}],"sentiment":"neutral","sentiment_score":0.2195974545527811,"num_words":73,"start":361.70502,"end":382.03},{"sentences":[{"text":"It just allows you to do up to a max of that amount.","start":382.03,"end":385.17,"sentiment":"positive","sentiment_score":0.4629223117461571},{"text":"Does that make sense?","start":386.76498,"end":387.82498,"sentiment":"neutral","sentiment_score":-0.2897031307220459},{"text":"Mhmm.","start":389.76498,"end":390.26498,"sentiment":"neutral","sentiment_score":-0.07976870238780975},{"text":"Yep.","start":392.205,"end":392.705,"sentiment":"neutral","sentiment_score":-0.055819958448410034},{"text":"So let's say the April 22 until 04/22/2027.","start":395.485,"end":404.16998,"sentiment":"neutral","sentiment_score":-0.037981592351570725}],"sentiment":"neutral","sentiment_score":0.1636939307467805,"num_words":27,"start":382.03,"end":404.16998},{"sentences":[{"text":"So between the April 2026 and 04/22/2027, you stop contributions altogether.","start":404.47,"end":412.88998,"sentiment":"neutral","sentiment_score":-0.12012040344151584},{"text":"So you don't do anything.","start":413.03,"end":414.41,"sentiment":"neutral","sentiment_score":-0.19904155731201173},{"text":"That means that the year 2027 to 2028, you can't make contributions because you've stopped it.","start":415.245,"end":424.14502,"sentiment":"neutral","sentiment_score":-0.18154579680413008},{"text":"So that would reset.","start":424.285,"end":425.42502,"sentiment":"neutral","sentiment_score":-0.027147768065333366},{"text":"Correct.","start":426.445,"end":426.945,"sentiment":"neutral","sentiment_score":0.025533627718687057}],"sentiment":"neutral","sentiment_score":-0.14336006534663406,"num_words":37,"start":404.47,"end":426.945},{"sentences":[{"text":"Correct.","start":428.79,"end":429.29,"sentiment":"neutral","sentiment_score":0.07601547986268997},{"text":"Exactly.","start":429.43,"end":429.93,"sentiment":"neutral","sentiment_score":0.09571944177150726},{"text":"So that is the only the only kind of thing to be mindful of if you decrease it.","start":430.31,"end":435.13,"sentiment":"neutral","sentiment_score":-0.060314899103509054},{"text":"But it would it It yeah.","start":435.75,"end":443.815,"sentiment":"neutral","sentiment_score":-0.023521369012693565},{"text":"So the only way to go back if you stop for a whole year is to either open up a new investment bond if you don't wanna reset the time frame.","start":443.815,"end":452.635,"sentiment":"neutral","sentiment_score":-0.03151004953730491}],"sentiment":"neutral","sentiment_score":-0.035646894946694374,"num_words":57,"start":428.79,"end":452.635},{"sentences":[{"text":"Or if you do start making those $2.50, it will reset the time frame.","start":453.03,"end":457.53,"sentiment":"neutral","sentiment_score":0.0009391225342239652},{"text":"So that is kind of correct.","start":457.75,"end":460.17,"sentiment":"neutral","sentiment_score":0.0014460148910681407},{"text":"No.","start":463.59,"end":464.09,"sentiment":"neutral","sentiment_score":-0.160615012049675},{"text":"No.","start":464.15,"end":464.39,"sentiment":"neutral","sentiment_score":-0.21272096037864685},{"text":"They all say that.","start":464.39,"end":465.19,"sentiment":"neutral","sentiment_score":-0.17433873936533928}],"sentiment":"neutral","sentiment_score":-0.040341043271697484,"num_words":26,"start":453.03,"end":465.19},{"sentences":[{"text":"It just means from a tax point of view.","start":465.19,"end":467.205,"sentiment":"neutral","sentiment_score":-0.11781792094310124},{"text":"So let's say you make contributions, and then you you say that from ten years or when you set the bond up, you wanna take it all out and give to your children.","start":467.205,"end":477.54498,"sentiment":"neutral","sentiment_score":0.026589742946353825},{"text":"If you let's say after five years, stop contribution, and then let's say, year seven, you decide to put more in, you still have all the gains.","start":478.00497,"end":487.63,"sentiment":"neutral","sentiment_score":0.048928644577110256},{"text":"All the money is still there.","start":487.63,"end":488.83002,"sentiment":"neutral","sentiment_score":0.1521253908673922},{"text":"It's still yours.","start":488.83002,"end":489.81,"sentiment":"neutral","sentiment_score":0.1634980042775472}],"sentiment":"neutral","sentiment_score":0.032582307568727396,"num_words":78,"start":465.19,"end":489.81},{"sentences":[{"text":"It just means that from what makes us so tax effective with the bond, obviously, having that 0%, that time frame reset.","start":490.27002,"end":499.025,"sentiment":"neutral","sentiment_score":0.10327419304204258},{"text":"So if you put money in at correct.","start":499.025,"end":505.205,"sentiment":"neutral","sentiment_score":-0.09918176173232496},{"text":"Exactly.","start":505.345,"end":505.845,"sentiment":"neutral","sentiment_score":0.06179738789796829},{"text":"So if it just resets the time frame if you stop for twelve months.","start":506.065,"end":511.69,"sentiment":"neutral","sentiment_score":-0.008882593363523483},{"text":"Yeah.","start":511.83,"end":512.31,"sentiment":"neutral","sentiment_score":0.07223731279373169}],"sentiment":"neutral","sentiment_score":0.03235340318845018,"num_words":46,"start":490.27002,"end":512.31},{"sentences":[{"text":"So all the money is still there.","start":512.31,"end":513.67,"sentiment":"neutral","sentiment_score":0.08403440511652402},{"text":"It just kind of makes it, like, not as tax effective by resetting the the time frame.","start":513.67,"end":519.27,"sentiment":"neutral","sentiment_score":-0.028061518555178362},{"text":"But let's say if you have it that your time frame is ideally fifteen years, let's say, then you can reset the time frame.","start":519.27,"end":528.375,"sentiment":"neutral","sentiment_score":0.03171565538893143},{"text":"It doesn't really matter because you don't wanna take the money out for fifteen years anyway.","start":528.375,"end":532.235,"sentiment":"neutral","sentiment_score":-0.04836924304254353},{"text":"So all the money is still there.","start":533.735,"end":535.25494,"sentiment":"neutral","sentiment_score":-0.029053810451711928}],"sentiment":"neutral","sentiment_score":-0.001477659325784361,"num_words":71,"start":512.31,"end":535.25494},{"sentences":[{"text":"It is a bit complex, but does it kind of make sense?","start":535.25494,"end":539.01996,"sentiment":"neutral","sentiment_score":-0.12360957295944293},{"text":"It seems like you have a pretty good understanding of it.","start":539.01996,"end":541.36,"sentiment":"neutral","sentiment_score":0.19726197963411157},{"text":"Yes.","start":544.94,"end":545.44,"sentiment":"neutral","sentiment_score":0.1644723415374756},{"text":"Yes.","start":546.38,"end":546.88,"sentiment":"neutral","sentiment_score":0.025722280144691467},{"text":"Yep.","start":549.835,"end":550.335,"sentiment":"neutral","sentiment_score":0.0613788366317749}],"sentiment":"neutral","sentiment_score":0.03608232149137901,"num_words":26,"start":535.25494,"end":550.335},{"sentences":[{"text":"Yep.","start":553.675,"end":554.175,"sentiment":"neutral","sentiment_score":0.057550475001335144},{"text":"It does.","start":558.395,"end":559.215,"sentiment":"neutral","sentiment_score":0.08009825646877289},{"text":"So it kind of it changes every year, which is a 120.","start":559.435,"end":563.435,"sentiment":"neutral","sentiment_score":0.04327339570348462},{"text":"So let's say 2020 sorry.","start":563.435,"end":566.95996,"sentiment":"neutral","sentiment_score":0.044128664582967755},{"text":"April, for simplicity, let's keep it April 2026 to April 2027.","start":566.95996,"end":572.88,"sentiment":"neutral","sentiment_score":0.05864779854362661}],"sentiment":"neutral","sentiment_score":0.05170312397662671,"num_words":31,"start":553.675,"end":572.88},{"sentences":[{"text":"Let's say you did $200 a month.","start":572.88,"end":574.98,"sentiment":"neutral","sentiment_score":0.06044269619243486},{"text":"Now that is 2,400.","start":575.36,"end":578.33997,"sentiment":"neutral","sentiment_score":0.05020692013204098},{"text":"Now the 2027 to 2028, you can then do 3,000 max for that year because that is a 100 and twenty.","start":579.03503,"end":589.375,"sentiment":"neutral","sentiment_score":0.06269194540523347},{"text":"Correct.","start":590.715,"end":591.215,"sentiment":"neutral","sentiment_score":0.1664179563522339},{"text":"So the 100 and 20 no.","start":591.63,"end":596.59,"sentiment":"neutral","sentiment_score":-0.03560324820379416}],"sentiment":"neutral","sentiment_score":0.04854502242345076,"num_words":39,"start":572.88,"end":596.59},{"sentences":[{"text":"No.","start":596.59,"end":597.09,"sentiment":"neutral","sentiment_score":-0.07040686905384064},{"text":"No.","start":597.39,"end":597.87,"sentiment":"neutral","sentiment_score":-0.08740000426769257},{"text":"No.","start":597.87,"end":598.03,"sentiment":"neutral","sentiment_score":-0.08868251740932465},{"text":"Not that.","start":598.03,"end":598.43,"sentiment":"neutral","sentiment_score":-0.06181975454092026},{"text":"As long as you don't go over one twenty, which is why they call it a 120% rule.","start":598.43,"end":603.97003,"sentiment":"neutral","sentiment_score":0.01277844972598056}],"sentiment":"neutral","sentiment_score":-0.006092034988915143,"num_words":23,"start":596.59,"end":603.97003},{"sentences":[{"text":"So if if you stay within the 125%, you can, if you want through every year, increase it to the max amount, and you'll stay with with under the threshold.","start":604.085,"end":615.065,"sentiment":"neutral","sentiment_score":0.17091265494624774},{"text":"It's just if you go over.","start":615.28503,"end":616.825,"sentiment":"neutral","sentiment_score":0.05298866083224615},{"text":"The good thing with correct.","start":617.125,"end":621.08997,"sentiment":"neutral","sentiment_score":0.1589559607207775},{"text":"Correct.","start":621.08997,"end":621.58997,"sentiment":"neutral","sentiment_score":0.008151157759130001},{"text":"Correct.","start":622.93,"end":623.43,"sentiment":"neutral","sentiment_score":0.014475755393505096}],"sentiment":"neutral","sentiment_score":0.14564461232877748,"num_words":43,"start":604.085,"end":623.43},{"sentences":[{"text":"Yes.","start":626.45,"end":626.95,"sentiment":"neutral","sentiment_score":0.08059860020875931},{"text":"100%.","start":627.49,"end":628.31,"sentiment":"neutral","sentiment_score":0.1636127531528473},{"text":"Yes.","start":628.37,"end":628.77,"sentiment":"neutral","sentiment_score":0.12394466996192932},{"text":"Correct.","start":628.77,"end":629.27,"sentiment":"neutral","sentiment_score":0.17629960179328918},{"text":"And the good no.","start":629.49,"end":631.765,"sentiment":"neutral","sentiment_score":0.15871732495725155}],"sentiment":"neutral","sentiment_score":0.1474156156182289,"num_words":8,"start":626.45,"end":631.765},{"sentences":[{"text":"Exactly.","start":631.765,"end":632.265,"sentiment":"neutral","sentiment_score":0.1386621594429016},{"text":"And the good thing with Genlife as well is that if for for some reason, you forget the rule or you are not sure how much you've done and you put extra in, and you don't tell us and you're just like, oh, yeah.","start":632.565,"end":645.125,"sentiment":"neutral","sentiment_score":0.24694801748476244},{"text":"I wanna put in.","start":645.125,"end":646.14,"sentiment":"neutral","sentiment_score":0.26579930260777473},{"text":"Genlife will notify us.","start":646.38,"end":648.16003,"sentiment":"neutral","sentiment_score":0.26565857231616974},{"text":"So they have kind of a safety, so they will notified us and say, hey.","start":648.38,"end":651.92004,"sentiment":"neutral","sentiment_score":0.27607890367507937}],"sentiment":"neutral","sentiment_score":0.25399102917050614,"num_words":68,"start":631.765,"end":651.92004},{"sentences":[{"text":"We've seen that there's more than a 125% added this year.","start":652.14,"end":656.24,"sentiment":"neutral","sentiment_score":0.1864188638600436},{"text":"Is that correct, or do you want us to refund some of the amount?","start":656.46,"end":659.475,"sentiment":"neutral","sentiment_score":0.07377722673118114},{"text":"So they are very good with letting us know and communicate if it is a situation.","start":659.71497,"end":665.175,"sentiment":"positive","sentiment_score":0.35316225327551365},{"text":"But I would say if you are unsure or if you're trying to do more, just give us a call, and we can can just run through the numbers just to make sure you stay under the threshold.","start":665.315,"end":674.45496,"sentiment":"neutral","sentiment_score":0.06914218064201505},{"text":"Yeah.","start":676.17,"end":676.67,"sentiment":"neutral","sentiment_score":0.09384313225746156}],"sentiment":"neutral","sentiment_score":0.14319163407199084,"num_words":80,"start":652.14,"end":676.67},{"sentences":[{"text":"Does that answer those questions for you?","start":676.73,"end":679.06995,"sentiment":"neutral","sentiment_score":0.052568932729107995},{"text":"Yeah.","start":679.61,"end":680.11,"sentiment":"neutral","sentiment_score":-0.0026708943769335747},{"text":"Yeah.","start":683.05,"end":683.55,"sentiment":"neutral","sentiment_score":-0.010812430642545223},{"text":"No.","start":685.68994,"end":685.93,"sentiment":"neutral","sentiment_score":-0.07158314436674118},{"text":"That's okay.","start":685.93,"end":686.75,"sentiment":"neutral","sentiment_score":-0.0675220713019371}],"sentiment":"neutral","sentiment_score":0.012322659759471813,"num_words":12,"start":676.73,"end":686.75},{"sentences":[{"text":"Oh, yes.","start":687.60504,"end":688.085,"sentiment":"neutral","sentiment_score":-0.011213702149689198},{"text":"And it it it is messy, and sometimes it's good to refresh because especially in a year's time, you're like, oh, yeah.","start":688.085,"end":693.125,"sentiment":"neutral","sentiment_score":-0.010611276332796975},{"text":"And I would much rather have you calling.","start":693.125,"end":695.04504,"sentiment":"neutral","sentiment_score":0.009154985193163157},{"text":"And if that's every six months or three months we go through this and make sure that you have all the information and we do the right thing for you and your kids, that's fine.","start":695.04504,"end":704.74,"sentiment":"neutral","sentiment_score":0.12125503346323967},{"text":"You know?","start":704.95996,"end":705.36,"sentiment":"neutral","sentiment_score":0.07287941128015518}],"sentiment":"neutral","sentiment_score":0.0609717303144651,"num_words":69,"start":687.60504,"end":705.36},{"sentences":[{"text":"Rather that way, then you forget and then do something completely different.","start":705.36,"end":708.8,"sentiment":"neutral","sentiment_score":-0.08670819085091352},{"text":"And then I'm like, no.","start":708.8,"end":710.1,"sentiment":"neutral","sentiment_score":-0.11581633314490318},{"text":"Why did we do that?","start":710.48,"end":711.62,"sentiment":"neutral","sentiment_score":-0.20858241617679596},{"text":"So that is that is yeah.","start":712.56,"end":715.62,"sentiment":"neutral","sentiment_score":-0.03590694457913438},{"text":"Yes.","start":716.88495,"end":717.38495,"sentiment":"neutral","sentiment_score":-0.06162869930267334}],"sentiment":"neutral","sentiment_score":-0.10136422081368751,"num_words":29,"start":705.36,"end":717.38495},{"sentences":[{"text":"Yes.","start":719.045,"end":719.545,"sentiment":"neutral","sentiment_score":0.009945176541805267},{"text":"And it is good that you have the the regular contribution plan.","start":719.845,"end":723.365,"sentiment":"positive","sentiment_score":0.6919027293721834},{"text":"I think that is one of the best way.","start":723.365,"end":725.125,"sentiment":"positive","sentiment_score":0.6106680896547105},{"text":"Because one, it comes out automatically.","start":725.125,"end":726.82495,"sentiment":"positive","sentiment_score":0.48039957880973816},{"text":"You don't have to think about it.","start":726.88495,"end":728.4,"sentiment":"neutral","sentiment_score":0.076299856283835}],"sentiment":"positive","sentiment_score":0.49215106293559074,"num_words":35,"start":719.045,"end":728.4},{"sentences":[{"text":"Correct.","start":729.44,"end":729.94,"sentiment":"neutral","sentiment_score":0.30288413166999817},{"text":"And it also takes advantage of all the ups and downs in the market because it's near impossible to kinda time when it's the best time.","start":730.0,"end":737.62,"sentiment":"neutral","sentiment_score":0.13901273118188748},{"text":"But doing it regular means that sometimes you're buying when the prices is a little bit high.","start":737.68005,"end":741.36005,"sentiment":"neutral","sentiment_score":0.1505619804648792},{"text":"Sometimes you're buying at the bottom, which is great.","start":741.36005,"end":743.415,"sentiment":"positive","sentiment_score":0.39133071568277145},{"text":"So it kind of evens that out by doing it regular for you as well.","start":743.415,"end":747.27496,"sentiment":"positive","sentiment_score":0.38683167695999143}],"sentiment":"neutral","sentiment_score":0.23237088832127697,"num_words":68,"start":729.44,"end":747.27496},{"sentences":[{"text":"Yes.","start":762.31,"end":762.81,"sentiment":"neutral","sentiment_score":0.1457379162311554},{"text":"Yep.","start":774.565,"end":775.065,"sentiment":"neutral","sentiment_score":0.19847986102104187},{"text":"I think yeah.","start":781.46,"end":783.48004,"sentiment":"neutral","sentiment_score":0.1597780485947927},{"text":"So in order for me to make an official recommendation, I have to do it through a statement of advice because it is personal advice.","start":783.54004,"end":791.56,"sentiment":"neutral","sentiment_score":0.07688318133354187},{"text":"From a general point of view is if you have additional money at the moment that you want to, obviously, make sure it does a bit more for your children, with everything going on in the market at the moment, it's not necessarily a bad time as long as the investments are correct because prices and things in some areas are down.","start":792.9,"end":817.2,"sentiment":"neutral","sentiment_score":0.16721621459169733}],"sentiment":"neutral","sentiment_score":0.14253300827239518,"num_words":92,"start":762.31,"end":817.2},{"sentences":[{"text":"So it's not a bad thing, especially if it's a long term investment because historically speaking as well, the market always go goes up as long as there's no fundamental issues with the investment itself.","start":817.58,"end":829.795,"sentiment":"positive","sentiment_score":0.44919591758932387},{"text":"So it's not a bad thing, especially if it's a long term investment.","start":830.735,"end":834.195,"sentiment":"positive","sentiment_score":0.5960382131429819},{"text":"The other kind of side of it would be like, okay.","start":834.65497,"end":837.455,"sentiment":"neutral","sentiment_score":0.09364527870308269},{"text":"Well, what are your other goals?","start":837.455,"end":839.07,"sentiment":"neutral","sentiment_score":0.06889657614131768},{"text":"What else are you trying to achieve?","start":839.07,"end":840.58997,"sentiment":"neutral","sentiment_score":0.1320629662701062}],"sentiment":"positive","sentiment_score":0.35886489129107857,"num_words":72,"start":817.58,"end":840.58997},{"sentences":[{"text":"And if by putting a lump sum into this, does that impact other things?","start":840.58997,"end":844.85,"sentiment":"neutral","sentiment_score":0.01312673810337271},{"text":"But in terms of from simplicity, should you put more money in if you have the capacity to do so and it doesn't impact other goals for you, it is a very tax effective way to do it.","start":845.15,"end":858.39496,"sentiment":"neutral","sentiment_score":0.2352406459027215},{"text":"Does that make sense?","start":858.39496,"end":859.535,"sentiment":"neutral","sentiment_score":0.2071886621415615},{"text":"Yes.","start":867.60004,"end":868.10004,"sentiment":"neutral","sentiment_score":0.3010977804660797},{"text":"Exactly.","start":869.84,"end":870.34,"sentiment":"neutral","sentiment_score":0.16150158643722534}],"sentiment":"neutral","sentiment_score":0.1795564291934515,"num_words":58,"start":840.58997,"end":870.34},{"sentences":[{"text":"So, obviously, things are which is actually the documents.","start":870.48,"end":873.14,"sentiment":"neutral","sentiment_score":0.01983237411412928},{"text":"So do you have access to your emails at the moment?","start":873.28,"end":876.98,"sentiment":"neutral","sentiment_score":0.00013273014602336016},{"text":"Yep.","start":879.895,"end":880.395,"sentiment":"neutral","sentiment_score":0.1446661353111267},{"text":"Perfect.","start":880.455,"end":880.955,"sentiment":"neutral","sentiment_score":0.3143230080604553},{"text":"So we have just changed the software, so it might look a little bit different to what you are used to.","start":883.09503,"end":888.47504,"sentiment":"neutral","sentiment_score":0.01807274864543052}],"sentiment":"neutral","sentiment_score":0.023685308454861474,"num_words":43,"start":870.48,"end":888.47504},{"sentences":[{"text":"When you click on the email so before you click on the link so when you click on the link, it will get you to sign the document.","start":889.83,"end":896.25,"sentiment":"neutral","sentiment_score":0.04438486249585237},{"text":"Before you do that, you will see that there are a couple of attachments.","start":896.79004,"end":899.85004,"sentiment":"neutral","sentiment_score":0.0029340459566031185},{"text":"Can you see those?","start":901.51,"end":902.57,"sentiment":"neutral","sentiment_score":0.0051077743992209435},{"text":"Like, can you see yep.","start":902.71,"end":910.33496,"sentiment":"neutral","sentiment_score":0.022186318784952162},{"text":"Yeah.","start":913.595,"end":914.07495,"sentiment":"neutral","sentiment_score":0.148528054356575}],"sentiment":"neutral","sentiment_score":0.030071991137587108,"num_words":52,"start":889.83,"end":914.07495},{"sentences":[{"text":"So if you just get out of that first, just so I can run through the other documents before I get you to sign anything just to make sure you're happy.","start":914.07495,"end":920.61,"sentiment":"neutral","sentiment_score":0.15399904759420502},{"text":"If you can just just before clicking on the link, if you scroll down at the bottom of the email, can you see where it says, like, Vanguard index chart and Hub 20 four?","start":920.61,"end":931.19,"sentiment":"neutral","sentiment_score":0.021221622742493364},{"text":"Yes.","start":931.97003,"end":932.47003,"sentiment":"neutral","sentiment_score":0.08499593287706375},{"text":"So for example, if you wanna click on the Vanguard index chart for me.","start":932.875,"end":936.49506,"sentiment":"neutral","sentiment_score":0.08296731034559864},{"text":"Let me just see.","start":938.47504,"end":939.695,"sentiment":"neutral","sentiment_score":0.06251311860978603}],"sentiment":"neutral","sentiment_score":0.08323924286690142,"num_words":84,"start":914.07495,"end":939.695},{"sentences":[{"text":"Can you see that okay?","start":939.755,"end":940.97504,"sentiment":"neutral","sentiment_score":0.059378033876419066},{"text":"Yep.","start":944.97,"end":945.47,"sentiment":"neutral","sentiment_score":0.08776974678039551},{"text":"Sure.","start":956.08997,"end":956.58997,"sentiment":"neutral","sentiment_score":0.14275869727134705},{"text":"And you probably have seen something similar to this before.","start":961.145,"end":964.685,"sentiment":"neutral","sentiment_score":0.06271148659288883},{"text":"Yep.","start":977.08,"end":977.56,"sentiment":"neutral","sentiment_score":0.26831528544425964}],"sentiment":"neutral","sentiment_score":0.07904715360038811,"num_words":18,"start":939.755,"end":977.56},{"sentences":[{"text":"Perfect.","start":977.56,"end":978.06,"sentiment":"positive","sentiment_score":0.6450367569923401},{"text":"So this is kind of a good visual way of explaining and seeing the market and seeing the ups and downs.","start":978.2,"end":984.54004,"sentiment":"positive","sentiment_score":0.5197138772124336},{"text":"So, obviously, this one here goes all the way back through 1995 and then through through 2025.","start":985.21497,"end":992.035,"sentiment":"neutral","sentiment_score":0.1661049535169321},{"text":"And it shows you as well kind of, you know, over the long term, the market always goes up.","start":992.175,"end":996.75,"sentiment":"neutral","sentiment_score":0.25932922724046203},{"text":"Short term, though, there are those ups and downs and market fluctuations.","start":996.99,"end":1000.37,"sentiment":"neutral","sentiment_score":-0.10315593083699544}],"sentiment":"neutral","sentiment_score":0.25817423622523034,"num_words":70,"start":977.56,"end":1000.37},{"sentences":[{"text":"And sometimes you can see as well that, like, the biggest decreases in the market are quite closely followed by the market going back up again, obviously, depending on what is going on.","start":1000.99,"end":1010.85,"sentiment":"neutral","sentiment_score":-0.06791852933890892},{"text":"And this one here also breaks down the different asset classes.","start":1011.345,"end":1014.805,"sentiment":"neutral","sentiment_score":0.12689635428515347},{"text":"So to the right, you will see your top four.","start":1015.105,"end":1017.685,"sentiment":"neutral","sentiment_score":0.14254050701856613},{"text":"So US shares, Australian shares, international shares, and property.","start":1017.82495,"end":1021.685,"sentiment":"neutral","sentiment_score":0.07878441777494219},{"text":"Now these kind of falls into the category of we would call your growth investment.","start":1022.14496,"end":1027.47,"sentiment":"neutral","sentiment_score":0.09340188056230544}],"sentiment":"neutral","sentiment_score":0.03448771112240278,"num_words":78,"start":1000.99,"end":1027.47},{"sentences":[{"text":"So so they are the ones that's going to maximize that growth for you.","start":1028.97,"end":1032.51,"sentiment":"positive","sentiment_score":0.4510460900408881},{"text":"The bottom three are your defensive.","start":1032.8099,"end":1034.83,"sentiment":"neutral","sentiment_score":0.08579032992323239},{"text":"So these are a little bit more, obviously smoother as you can see, but they don't grow as much.","start":1035.05,"end":1040.43,"sentiment":"neutral","sentiment_score":0.018551677073303022},{"text":"So these are your defenses.","start":1040.635,"end":1042.255,"sentiment":"neutral","sentiment_score":0.14308781921863556},{"text":"Now with your Genlife investment portfolio that I know you set up with my colleague, Kyle, you are in a Vanguard, let me just see, head growth portfolio, I believe.","start":1043.6749,"end":1055.135,"sentiment":"neutral","sentiment_score":0.22190265953540803}],"sentiment":"neutral","sentiment_score":0.1966809187386487,"num_words":74,"start":1028.97,"end":1055.135},{"sentences":[{"text":"Yes.","start":1056.85,"end":1057.33,"sentiment":"neutral","sentiment_score":0.26136544346809387},{"text":"Which is kind of aiming for around a eighty twenty split.","start":1057.33,"end":1061.35,"sentiment":"neutral","sentiment_score":0.2127084738828919},{"text":"So about 80% typically in those top four and about 20 in the bottom because you do have obviously time until, you know, at least that ten years until you wanna give it to your children or whenever you decide that you would like to give it to them.","start":1061.57,"end":1077.195,"sentiment":"neutral","sentiment_score":0.16944523657463034},{"text":"So it is a, you know, a good time frame to do that.","start":1077.415,"end":1080.5549,"sentiment":"neutral","sentiment_score":0.2883859414320726},{"text":"Now the next two attachments that I can see here is your Genlife portfolio per service port.","start":1082.15,"end":1092.39,"sentiment":"neutral","sentiment_score":0.05959195008172708}],"sentiment":"neutral","sentiment_score":0.17215445756420986,"num_words":91,"start":1056.85,"end":1092.39},{"sentences":[{"text":"Sorry.","start":1092.39,"end":1092.89,"sentiment":"neutral","sentiment_score":0.002017725259065628},{"text":"Can you see those?","start":1093.83,"end":1094.97,"sentiment":"neutral","sentiment_score":0.00417194957844913},{"text":"They're just exactly which is just your generation life.","start":1095.19,"end":1099.415,"sentiment":"neutral","sentiment_score":0.11530512695511182},{"text":"You can see that, obviously, it's a child build up bond, investment bond.","start":1099.795,"end":1104.775,"sentiment":"neutral","sentiment_score":0.11203921758211575},{"text":"You can also see your Vanguard growth portfolio there.","start":1105.555,"end":1109.3151,"sentiment":"neutral","sentiment_score":0.09769230749871996}],"sentiment":"neutral","sentiment_score":0.09422756283957925,"num_words":36,"start":1092.39,"end":1109.3151},{"sentences":[{"text":"You can see your closing balance at the moment.","start":1109.3151,"end":1113.05,"sentiment":"neutral","sentiment_score":0.10342308382193248},{"text":"So at the moment, you have 13,568 and 85¢.","start":1113.1901,"end":1119.21,"sentiment":"neutral","sentiment_score":0.0935288779437542},{"text":"And then you can see the total after tax performance.","start":1119.83,"end":1123.37,"sentiment":"neutral","sentiment_score":0.08018791079521179},{"text":"So that is still at 6.25 despite everything going on in the market, which is not bad given the last twelve months have seen a bit of a fluctuation.","start":1124.255,"end":1133.5549,"sentiment":"neutral","sentiment_score":0.07549339224552286},{"text":"So that's those for you.","start":1135.0549,"end":1136.995,"sentiment":"neutral","sentiment_score":0.11212874203920364}],"sentiment":"neutral","sentiment_score":0.08575196674124139,"num_words":62,"start":1109.3151,"end":1136.995},{"sentences":[{"text":"Now the next one is your hub twenty four portfolio report.","start":1137.39,"end":1143.0701,"sentiment":"neutral","sentiment_score":0.09186946194280278},{"text":"Can you see that okay?","start":1143.0701,"end":1144.37,"sentiment":"neutral","sentiment_score":0.08085970133543015},{"text":"Yes.","start":1148.11,"end":1148.61,"sentiment":"neutral","sentiment_score":0.05481265112757683},{"text":"Now this one here is probably the one that looks the messiest.","start":1148.99,"end":1152.77,"sentiment":"neutral","sentiment_score":0.04860973063235482},{"text":"But this one essentially shows you your hub twenty four investment over the last twelve months.","start":1154.085,"end":1160.085,"sentiment":"neutral","sentiment_score":0.05670693889260292}],"sentiment":"neutral","sentiment_score":0.06578451175656584,"num_words":45,"start":1137.39,"end":1160.085},{"sentences":[{"text":"Now this is all after fees as well.","start":1160.085,"end":1162.905,"sentiment":"neutral","sentiment_score":0.026982252951711416},{"text":"Sorry.","start":1163.525,"end":1164.025,"sentiment":"neutral","sentiment_score":-0.013560280203819277},{"text":"Yep.","start":1166.02,"end":1166.5,"sentiment":"neutral","sentiment_score":0.004265566356480122},{"text":"No.","start":1166.5,"end":1166.66,"sentiment":"neutral","sentiment_score":0.0009071938693523408},{"text":"That's okay.","start":1166.66,"end":1167.56,"sentiment":"neutral","sentiment_score":0.025358582846820358}],"sentiment":"neutral","sentiment_score":0.01986058994841117,"num_words":13,"start":1160.085,"end":1167.56},{"sentences":[{"text":"And while that loads for you, we currently have you invested in a growth portfolio as well for your superannuation.","start":1173.62,"end":1182.0851,"sentiment":"neutral","sentiment_score":0.04677134193480015},{"text":"Are you still comfortable with that growth portfolio, or has your risk tolerance or anything changed?","start":1183.425,"end":1190.0851,"sentiment":"neutral","sentiment_score":-0.04129522340372205},{"text":"No.","start":1191.8251,"end":1192.3251,"sentiment":"neutral","sentiment_score":-0.23805347084999084},{"text":"Yep.","start":1195.52,"end":1196.02,"sentiment":"neutral","sentiment_score":0.1959766149520874},{"text":"Okay.","start":1196.24,"end":1196.74,"sentiment":"positive","sentiment_score":0.5491586327552795}],"sentiment":"neutral","sentiment_score":0.020045770284457084,"num_words":39,"start":1173.62,"end":1196.74},{"sentences":[{"text":"Perfect.","start":1196.8,"end":1197.3,"sentiment":"positive","sentiment_score":0.4423162341117859},{"text":"And you do have the time frame behind you as well in a growth portfolio because, typically, we say, you know, a growth, we do wanna see ideally a minimum of six years until retirement, making sure, obviously, you have enough time for those ups and downs and market fluctuations, which you do have.","start":1197.52,"end":1214.765,"sentiment":"neutral","sentiment_score":0.20210077648085575},{"text":"And it's also that kind of eighty twenty split.","start":1216.105,"end":1219.02,"sentiment":"neutral","sentiment_score":0.051535980568991765},{"text":"Did that open up?","start":1219.98,"end":1221.12,"sentiment":"neutral","sentiment_score":0.04399426933377981},{"text":"Yes.","start":1222.86,"end":1223.36,"sentiment":"neutral","sentiment_score":0.08673620223999023}],"sentiment":"neutral","sentiment_score":0.175105728532957,"num_words":69,"start":1196.8,"end":1223.36},{"sentences":[{"text":"Yes.","start":1224.38,"end":1224.88,"sentiment":"neutral","sentiment_score":0.08310119062662125},{"text":"Yes.","start":1250.01,"end":1250.25,"sentiment":"neutral","sentiment_score":0.08070138096809387},{"text":"So exactly that dividends and stuff paid, and then growth in the period is obviously increasing in prices and stuff for you.","start":1250.25,"end":1257.975,"sentiment":"neutral","sentiment_score":0.14059653437950395},{"text":"So it kind of breaks it down.","start":1258.455,"end":1260.215,"sentiment":"neutral","sentiment_score":0.0675130874982902},{"text":"And, typically, what most people are interested in is the end value and the start value and then the internal rate of return column, which is the second one to the right.","start":1260.215,"end":1272.93,"sentiment":"neutral","sentiment_score":0.09144207555800676}],"sentiment":"neutral","sentiment_score":0.10564546600457221,"num_words":63,"start":1224.38,"end":1272.93},{"sentences":[{"text":"Because this one here is the individual return of each of your investments and how they have performed all after fees.","start":1273.25,"end":1282.0701,"sentiment":"neutral","sentiment_score":0.1245156086626507},{"text":"Now the total of everything as well doesn't include your contributions.","start":1282.4501,"end":1286.79,"sentiment":"neutral","sentiment_score":0.02247943568297408},{"text":"This is just how your investments have done.","start":1287.0901,"end":1287.42,"sentiment":"neutral","sentiment_score":0.07594053214415908},{"text":"So as you can see here, there is a bit of a So as you can see here, there is a bit of a spread, obviously, again, because what is going on in the market.","start":1287.42,"end":1295.865,"sentiment":"neutral","sentiment_score":0.023078253559236015},{"text":"So as you can see that the ones in the bracket, which is your Benelon Australian equity, and then the beta shares live global cybersecurity.","start":1296.485,"end":1306.05,"sentiment":"neutral","sentiment_score":0.07183414839208126}],"sentiment":"neutral","sentiment_score":0.06073218415956944,"num_words":100,"start":1273.25,"end":1306.05},{"sentences":[{"text":"Now these are the ones that's currently down at the moment.","start":1306.99,"end":1309.89,"sentiment":"neutral","sentiment_score":-0.0030546486377716025},{"text":"The rest are positive.","start":1310.03,"end":1311.65,"sentiment":"neutral","sentiment_score":0.3228154629468918},{"text":"So with your portfolio as well, with the global cybersecurity, obviously, AI technology, that space is not going anywhere anytime soon.","start":1312.99,"end":1323.1749,"sentiment":"neutral","sentiment_score":0.026787553159963517},{"text":"So there are obviously opportunities in this space, and it is more of like a cyclical trend wide down at the moment.","start":1323.1749,"end":1330.955,"sentiment":"neutral","sentiment_score":-0.0169107856398279},{"text":"Overall, kind of tech stocks have been a little bit weaker overall, especially globally.","start":1332.0599,"end":1337.52,"sentiment":"neutral","sentiment_score":-0.28193274033921106}],"sentiment":"neutral","sentiment_score":-0.03470689327352577,"num_words":72,"start":1306.99,"end":1337.52},{"sentences":[{"text":"It's not something that we kind of long term at the moment are too concerned about, though, because it is a good stable investment long term.","start":1338.14,"end":1347.525,"sentiment":"neutral","sentiment_score":-0.08952808781312062},{"text":"And, obviously, there are a lot of things in the AI space at the moment.","start":1347.525,"end":1351.785,"sentiment":"neutral","sentiment_score":-0.12750646471977234},{"text":"You also wanna avoid sometimes selling if you believe in the investment selling when the prices are down because that's when you are crystallizing the losses.","start":1352.485,"end":1360.425,"sentiment":"negative","sentiment_score":-0.35795149035178697},{"text":"However, with the Bennelong investment can you see that one?","start":1361.68,"end":1365.76,"sentiment":"neutral","sentiment_score":-0.0778383668512106},{"text":"That's the one that's down the most.","start":1365.76,"end":1367.38,"sentiment":"neutral","sentiment_score":-0.27344016092164175}],"sentiment":"neutral","sentiment_score":-0.19332774759580693,"num_words":84,"start":1338.14,"end":1367.38},{"sentences":[{"text":"Now this investment here, I do want to look at reviewing for you.","start":1368.8,"end":1373.625,"sentiment":"neutral","sentiment_score":0.05041842563794209},{"text":"The reason being is that the Benelon Australian Equity, it is a little bit different to your other investments in that it is a managed fund.","start":1374.425,"end":1383.885,"sentiment":"neutral","sentiment_score":-0.004323979982962975},{"text":"Have you heard of that before?","start":1384.665,"end":1385.965,"sentiment":"neutral","sentiment_score":0.005183821544051171},{"text":"No.","start":1389.9401,"end":1390.4401,"sentiment":"neutral","sentiment_score":-0.12770812213420868},{"text":"No.","start":1390.7401,"end":1391.2401,"sentiment":"neutral","sentiment_score":-0.12395964562892914}],"sentiment":"neutral","sentiment_score":0.006860664153986788,"num_words":47,"start":1368.8,"end":1391.2401},{"sentences":[{"text":"Sorry.","start":1391.9401,"end":1392.42,"sentiment":"neutral","sentiment_score":-0.0323655791580677},{"text":"How that one is different is that they are a managed fund, and the the purpose is to actively buy and sell different investments in order to try to outperform the market.","start":1392.42,"end":1406.255,"sentiment":"neutral","sentiment_score":0.06125908385729417},{"text":"Whereas the other investments are kind of tracking an index.","start":1407.435,"end":1412.015,"sentiment":"neutral","sentiment_score":-0.0023348769173026085},{"text":"So for example, iShares S and P 500 is to kinda compare, which is the one at the bottom, which it says I b b.","start":1412.795,"end":1422.01,"sentiment":"neutral","sentiment_score":0.05132535934448242},{"text":"Now this one here, to kinda simplify it, it invests in the 500 largest companies listed on in The US.","start":1422.39,"end":1431.45,"sentiment":"neutral","sentiment_score":0.07463496793061494}],"sentiment":"neutral","sentiment_score":0.05318647360598499,"num_words":88,"start":1391.9401,"end":1431.45},{"sentences":[{"text":"So as a company grows and you get in through those 500 biggest companies, it gets added to the investments.","start":1431.925,"end":1437.285,"sentiment":"neutral","sentiment_score":0.0978200800716877},{"text":"And as something gets smaller, it comes out.","start":1437.285,"end":1439.285,"sentiment":"neutral","sentiment_score":0.09077166765928268},{"text":"So you basically just track the the 500 biggest companies, which is obviously a lot of growth opportunities in The US space in that way.","start":1439.285,"end":1446.81,"sentiment":"neutral","sentiment_score":0.16622477024793625},{"text":"So you don't need as much co kind of research or actively buying and selling, which can trigger capital gains tax for these investments.","start":1447.13,"end":1455.0701,"sentiment":"neutral","sentiment_score":0.038520758195469774},{"text":"So then along was added to the portfolio to give you that kind of active component, which does trying to outperform the market by buying and selling more frequently.","start":1455.2101,"end":1466.305,"sentiment":"neutral","sentiment_score":0.1473467057121211}],"sentiment":"neutral","sentiment_score":0.1135447817098982,"num_words":106,"start":1431.925,"end":1466.305},{"sentences":[{"text":"Now at the time when it was added to your portfolio as well, it was one of their best performing fund managers, and they had performed really well.","start":1467.5651,"end":1474.785,"sentiment":"positive","sentiment_score":0.3473980703524181},{"text":"More recently, they have underperformed, which you can see here.","start":1475.59,"end":1479.85,"sentiment":"neutral","sentiment_score":0.23077193200588225},{"text":"There are a couple of reasons why we look through we want to look at reviewing the portfolio and potentially swap that out if we can find something else.","start":1480.07,"end":1489.37,"sentiment":"neutral","sentiment_score":-0.070975957117204},{"text":"Is that because if you are paying to have someone actively buying and selling during the research, you wanted to outperform.","start":1489.83,"end":1496.495,"sentiment":"neutral","sentiment_score":-0.08143922615618933},{"text":"And if it's not outperforming, then why are you paying a little bit of extra for it, essentially?","start":1496.495,"end":1501.245,"sentiment":"neutral","sentiment_score":-0.20045342296361923}],"sentiment":"neutral","sentiment_score":0.0439450676500235,"num_words":106,"start":1467.5651,"end":1501.245},{"sentences":[{"text":"Exact exactly.","start":1503.7101,"end":1505.3301,"sentiment":"neutral","sentiment_score":-0.20594684779644012},{"text":"Now, also, they have made a couple of calls on different investments that haven't played off recently, and they've been a little bit slower in making changes.","start":1505.9501,"end":1514.37,"sentiment":"neutral","sentiment_score":-0.2709071586529414},{"text":"So we've been a little bit kind of, okay.","start":1514.67,"end":1516.59,"sentiment":"neutral","sentiment_score":-0.22873634265528786},{"text":"Well, that might not be the best option moving forward.","start":1516.59,"end":1519.1849,"sentiment":"negative","sentiment_score":-0.6241591900587082},{"text":"And another reason is it wasn't really them, but one of the companies that they had in their portfolio was Corporate Travel Group.","start":1519.565,"end":1528.225,"sentiment":"neutral","sentiment_score":-0.13374872246514197}],"sentiment":"neutral","sentiment_score":-0.26905389549866526,"num_words":71,"start":1503.7101,"end":1528.225},{"sentences":[{"text":"Now they had a bit of issues with reporting.","start":1528.765,"end":1531.59,"sentiment":"neutral","sentiment_score":-0.27872246338261497},{"text":"I'm not sure if you've heard of them.","start":1531.59,"end":1532.79,"sentiment":"neutral","sentiment_score":-0.2260415367782116},{"text":"I think it was on the news.","start":1532.79,"end":1534.09,"sentiment":"neutral","sentiment_score":-0.05503656289407185},{"text":"Yeah.","start":1534.15,"end":1534.65,"sentiment":"neutral","sentiment_score":-0.03584291785955429},{"text":"So obviously, had a bit of issues, cost suspension.","start":1534.95,"end":1537.21,"sentiment":"neutral","sentiment_score":-0.12967174500226974}],"sentiment":"neutral","sentiment_score":-0.17367585375905037,"num_words":34,"start":1528.765,"end":1537.21},{"sentences":[{"text":"They couldn't trade, obviously, things fell.","start":1537.27,"end":1539.29,"sentiment":"neutral","sentiment_score":-0.2753561735153198},{"text":"So if you are happy for me to do so, I would like to do a bit more research on your investments, but specifically just your one.","start":1539.59,"end":1546.755,"sentiment":"neutral","sentiment_score":0.2075149005761853},{"text":"The other ones are not doing too bad, but I still would just like to review everything as a whole because it is good to do because things always change.","start":1547.775,"end":1554.8151,"sentiment":"neutral","sentiment_score":0.32577695647875465},{"text":"The market always change, and we wanna make sure that we always keep up to date with obviously making sure that whatever we have you invested in is going to be the best for you.","start":1554.8151,"end":1564.9501,"sentiment":"positive","sentiment_score":0.4771009564399719},{"text":"And it's all part of the ongoing service.","start":1564.9501,"end":1566.63,"sentiment":"neutral","sentiment_score":0.22576994262635708}],"sentiment":"neutral","sentiment_score":0.30404497155884525,"num_words":106,"start":1537.27,"end":1566.63},{"sentences":[{"text":"There's no additional fees or anything like that.","start":1566.63,"end":1568.39,"sentiment":"neutral","sentiment_score":0.1849652947857976},{"text":"It's all part of the ongoing service to see if we wanna swap that out for you for something else.","start":1568.39,"end":1574.115,"sentiment":"neutral","sentiment_score":0.23014084808528423},{"text":"Are you happy for me to do that?","start":1574.275,"end":1576.0549,"sentiment":"neutral","sentiment_score":0.2927777096629143},{"text":"Yeah.","start":1577.235,"end":1577.735,"sentiment":"neutral","sentiment_score":0.0850110650062561},{"text":"Wait.","start":1590.13,"end":1590.53,"sentiment":"neutral","sentiment_score":0.012891841121017931}],"sentiment":"neutral","sentiment_score":0.22428062903743826,"num_words":38,"start":1566.63,"end":1590.53},{"sentences":[{"text":"So oh, for you, Drew.","start":1590.53,"end":1591.41,"sentiment":"neutral","sentiment_score":0.030286968126893042},{"text":"So how many four?","start":1591.41,"end":1592.37,"sentiment":"neutral","sentiment_score":0.029179546516388655},{"text":"Just cover that as your bank account, basically, or your super.","start":1592.37,"end":1595.91,"sentiment":"neutral","sentiment_score":0.057551404291933235},{"text":"Exactly.","start":1596.6901,"end":1597.1901,"sentiment":"neutral","sentiment_score":0.10255386680364607},{"text":"Where we do all of that.","start":1597.25,"end":1598.53,"sentiment":"neutral","sentiment_score":0.08176517859101295}],"sentiment":"neutral","sentiment_score":0.05534679304670404,"num_words":27,"start":1590.53,"end":1598.53},{"sentences":[{"text":"Now with the investment, I do wanted to check something else with you is have you read our newsletter at all?","start":1598.53,"end":1605.7749,"sentiment":"neutral","sentiment_score":0.04321489128328505},{"text":"Do you read that every now and then or or not really?","start":1605.7749,"end":1608.6749,"sentiment":"neutral","sentiment_score":-0.0006377774601181346},{"text":"No.","start":1610.0149,"end":1610.5149,"sentiment":"neutral","sentiment_score":-0.13201162219047546},{"text":"Most people are the same.","start":1610.735,"end":1611.855,"sentiment":"neutral","sentiment_score":-0.13017475754022598},{"text":"That's why I asked.","start":1611.855,"end":1612.835,"sentiment":"neutral","sentiment_score":-0.04868600144982338}],"sentiment":"neutral","sentiment_score":-0.0018086053084495457,"num_words":43,"start":1598.53,"end":1612.835},{"sentences":[{"text":"I do suggest maybe going back on the the last one after the call if you want to.","start":1613.88,"end":1618.22,"sentiment":"neutral","sentiment_score":-0.01317949572371112},{"text":"The reason I do ask is that we have recently merged or joined forces with BlackRock.","start":1618.36,"end":1625.74,"sentiment":"neutral","sentiment_score":0.029012958519160748},{"text":"Have you heard of BlackRock?","start":1626.365,"end":1627.665,"sentiment":"neutral","sentiment_score":0.021970265358686448},{"text":"They are massive.","start":1627.805,"end":1628.785,"sentiment":"neutral","sentiment_score":0.12775830427805582},{"text":"Yeah.","start":1628.8451,"end":1629.3451,"sentiment":"neutral","sentiment_score":0.1514212042093277}],"sentiment":"neutral","sentiment_score":0.02026799667713254,"num_words":43,"start":1613.88,"end":1629.3451},{"sentences":[{"text":"So we've joined and partnered up with them to create our own SMA, so a self managed account.","start":1629.5651,"end":1636.385,"sentiment":"neutral","sentiment_score":0.17931466301282248},{"text":"Have you ever heard of that?","start":1636.605,"end":1638.0651,"sentiment":"neutral","sentiment_score":0.07717908794681232},{"text":"No.","start":1639.5801,"end":1640.0801,"sentiment":"neutral","sentiment_score":-0.07150952517986298},{"text":"Sorry.","start":1640.2201,"end":1640.7001,"sentiment":"neutral","sentiment_score":-0.08144041895866394},{"text":"The way that the so you can still obviously do it in Hub twenty four still within your super.","start":1640.7001,"end":1645.3601,"sentiment":"neutral","sentiment_score":0.0021711739858514384}],"sentiment":"neutral","sentiment_score":0.07953424052231842,"num_words":45,"start":1629.5651,"end":1645.3601},{"sentences":[{"text":"It's just a slightly different way.","start":1645.5,"end":1647.6001,"sentiment":"neutral","sentiment_score":-0.020253139082342386},{"text":"So at the moment, you have what we would call, like, your model portfolio.","start":1647.66,"end":1652.075,"sentiment":"neutral","sentiment_score":0.08772196966622557},{"text":"So you can see all your individual investments here.","start":1652.135,"end":1654.795,"sentiment":"neutral","sentiment_score":0.12167508444852299},{"text":"Now if I want to go and make a change, so, obviously, the investment committee, if we we do all the research and we just see that, for example, Bennelong might not be the best option, we wanna change it out for you.","start":1654.855,"end":1665.09,"sentiment":"neutral","sentiment_score":0.02249867707317652},{"text":"We would obviously go and do all the research.","start":1665.25,"end":1667.4099,"sentiment":"neutral","sentiment_score":0.11584532012542088}],"sentiment":"neutral","sentiment_score":0.05199648760673073,"num_words":81,"start":1645.5,"end":1667.4099},{"sentences":[{"text":"But to make a change, I would have to put everything in a SOA for you, go through the changes, and then you would have to sign and agree to the change before I can make the change.","start":1667.4099,"end":1680.23,"sentiment":"neutral","sentiment_score":0.05854945409258729},{"text":"Obviously, that process does take a little bit because it is quite compliant and heavy from research.","start":1680.825,"end":1686.365,"sentiment":"neutral","sentiment_score":0.0664839922066997},{"text":"So it does take a little bit, which it gives you the full control of the change, but at the same time, it sometimes a bit of a lagging effect because it takes a little bit to do.","start":1686.825,"end":1696.89,"sentiment":"neutral","sentiment_score":-0.02075524049762048},{"text":"And, obviously, things with market fluctuations, sometimes you wanna react quickly, but, obviously, a lot of it is kind of long term investment.","start":1697.91,"end":1704.97,"sentiment":"neutral","sentiment_score":-0.03874351602533589},{"text":"Now how the SMA?","start":1705.27,"end":1707.21,"sentiment":"neutral","sentiment_score":0.015740130562335253}],"sentiment":"neutral","sentiment_score":0.014485563648243745,"num_words":120,"start":1667.4099,"end":1707.21},{"sentences":[{"text":"Yeah.","start":1710.025,"end":1710.525,"sentiment":"neutral","sentiment_score":-0.006445169448852539},{"text":"No.","start":1713.0651,"end":1713.5651,"sentiment":"neutral","sentiment_score":-0.14422452449798584},{"text":"That's okay.","start":1716.905,"end":1717.7251,"sentiment":"neutral","sentiment_score":0.11845953390002249},{"text":"Yes.","start":1723.08,"end":1723.58,"sentiment":"neutral","sentiment_score":0.14139270782470703},{"text":"Yeah.","start":1729.7999,"end":1730.2999,"sentiment":"neutral","sentiment_score":0.10480060428380966}],"sentiment":"neutral","sentiment_score":0.05540711432695389,"num_words":6,"start":1710.025,"end":1730.2999},{"sentences":[{"text":"It had done so well.","start":1730.6,"end":1732.1399,"sentiment":"neutral","sentiment_score":0.07646489292383193},{"text":"Yes.","start":1732.7749,"end":1733.2749,"sentiment":"neutral","sentiment_score":0.10918612778186798},{"text":"Yes.","start":1733.575,"end":1734.075,"sentiment":"neutral","sentiment_score":0.10571178793907166},{"text":"Pretty high holding.","start":1737.815,"end":1738.875,"sentiment":"neutral","sentiment_score":0.04868338443338871},{"text":"Yes.","start":1739.095,"end":1739.595,"sentiment":"neutral","sentiment_score":0.09600621461868286}],"sentiment":"neutral","sentiment_score":0.07629806802354076,"num_words":11,"start":1730.6,"end":1739.595},{"sentences":[{"text":"Exactly.","start":1739.975,"end":1740.475,"sentiment":"neutral","sentiment_score":0.11725494265556335},{"text":"Yes.","start":1743.015,"end":1743.515,"sentiment":"neutral","sentiment_score":0.13492780923843384},{"text":"Exactly.","start":1744.87,"end":1745.37,"sentiment":"neutral","sentiment_score":0.10006725043058395},{"text":"Which is why so I know I'm very mindful of you leaving, so I just wanted to check.","start":1745.4299,"end":1750.65,"sentiment":"neutral","sentiment_score":0.04215461088137494},{"text":"SMA, how it's different is that you invest in a portfolio.","start":1750.71,"end":1753.61,"sentiment":"neutral","sentiment_score":0.020472669465975327}],"sentiment":"neutral","sentiment_score":0.041757261322345585,"num_words":32,"start":1739.975,"end":1753.61},{"sentences":[{"text":"Now we invest we black with that.","start":1753.99,"end":1757.8251,"sentiment":"neutral","sentiment_score":0.012005328865987914},{"text":"So we joined their investment committee along with our investment committee to come up with the investment in the estimate.","start":1757.8251,"end":1764.165,"sentiment":"neutral","sentiment_score":0.0373634866438806},{"text":"The the biggest benefit is that we can chop and change investments straight away because you are just invested in a portfolio.","start":1764.4651,"end":1772.0851,"sentiment":"neutral","sentiment_score":0.025640184398401867},{"text":"Yes.","start":1775.86,"end":1776.36,"sentiment":"neutral","sentiment_score":0.08542424440383911},{"text":"We can talk a little bit more.","start":1776.6599,"end":1778.26,"sentiment":"neutral","sentiment_score":0.07846527440207345}],"sentiment":"neutral","sentiment_score":0.03561530275303021,"num_words":57,"start":1753.99,"end":1778.26},{"sentences":[{"text":"Yes.","start":1778.26,"end":1778.76,"sentiment":"neutral","sentiment_score":0.15799066424369812},{"text":"Yep.","start":1779.14,"end":1779.64,"sentiment":"neutral","sentiment_score":0.032087311148643494},{"text":"Often, it's insurances and other investment fees, admin fees, and stuff like that.","start":1786.235,"end":1793.375,"sentiment":"neutral","sentiment_score":-0.05511644797829481},{"text":"My screen has just frozen at the moment.","start":1793.6749,"end":1796.255,"sentiment":"neutral","sentiment_score":-0.2528061196208},{"text":"I can what I can do is I can pull a withdrawal of report from Hub twenty four and email it to you as well.","start":1803.37,"end":1810.965,"sentiment":"neutral","sentiment_score":0.035301174819469455}],"sentiment":"neutral","sentiment_score":-0.034715738225107394,"num_words":48,"start":1778.26,"end":1810.965},{"sentences":[{"text":"Just because it's kind of froze frozen at the moment.","start":1811.0449,"end":1813.5449,"sentiment":"neutral","sentiment_score":-0.0270542923361063},{"text":"Now when is a good time for me to just kind of finish off this call with you?","start":1813.765,"end":1818.965,"sentiment":"neutral","sentiment_score":0.06392210928930177},{"text":"Should only maybe be another fifteen minutes to kind of go through the rest of there.","start":1818.965,"end":1825.5449,"sentiment":"neutral","sentiment_score":0.03635295759886503},{"text":"Yep.","start":1825.62,"end":1826.12,"sentiment":"neutral","sentiment_score":0.13694828748703003},{"text":"Perfect.","start":1829.62,"end":1830.12,"sentiment":"positive","sentiment_score":0.3450946807861328}],"sentiment":"neutral","sentiment_score":0.042255333341334175,"num_words":46,"start":1811.0449,"end":1830.12},{"sentences":[{"text":"Now now when next week?","start":1830.82,"end":1833.16,"sentiment":"neutral","sentiment_score":0.017275440506637096},{"text":"Sorry.","start":1833.3,"end":1833.8,"sentiment":"neutral","sentiment_score":-0.029469143599271774},{"text":"Do you prefer same time as now?","start":1833.94,"end":1836.6,"sentiment":"neutral","sentiment_score":-0.009344769375664847},{"text":"So Tuesday afternoon, I am fully booked, but I can do Monday afternoon or Wednesday afternoon, same time as we did today.","start":1842.355,"end":1849.335,"sentiment":"neutral","sentiment_score":0.05846023542637175},{"text":"Let me see.","start":1855.3301,"end":1856.31,"sentiment":"neutral","sentiment_score":0.031894258533914886}],"sentiment":"neutral","sentiment_score":0.03613954284963639,"num_words":38,"start":1830.82,"end":1856.31},{"sentences":[{"text":"Three.","start":1856.93,"end":1857.43,"sentiment":"neutral","sentiment_score":0.02622903883457184},{"text":"Yeah.","start":1859.81,"end":1860.13,"sentiment":"neutral","sentiment_score":0.026445379480719566},{"text":"I I can I can shuffle a few things around, and we can I can make that work?","start":1860.13,"end":1863.945,"sentiment":"neutral","sentiment_score":0.0635395339793629},{"text":"Yep.","start":1864.105,"end":1864.4249,"sentiment":"neutral","sentiment_score":0.05435854196548462},{"text":"That is no problem.","start":1864.4249,"end":1865.6449,"sentiment":"neutral","sentiment_score":0.13764166086912155}],"sentiment":"neutral","sentiment_score":0.07205244861543178,"num_words":25,"start":1856.93,"end":1865.6449},{"sentences":[{"text":"So that is Monday the thirtieth, and that is 04:30 your time.","start":1865.865,"end":1871.085,"sentiment":"neutral","sentiment_score":0.07644134542594354},{"text":"Yep.","start":1872.0249,"end":1872.5249,"sentiment":"neutral","sentiment_score":0.26052364706993103},{"text":"Perfect.","start":1872.585,"end":1873.065,"sentiment":"positive","sentiment_score":0.6564332246780396},{"text":"Well, thank you so much for your time today, Jayesh, and I look forward to speaking with you.","start":1873.065,"end":1876.1849,"sentiment":"positive","sentiment_score":0.6109329097800784},{"text":"Finish this off on Monday.","start":1876.1849,"end":1877.565,"sentiment":"neutral","sentiment_score":0.24432298243045808}],"sentiment":"positive","sentiment_score":0.3798016298662972,"num_words":37,"start":1865.865,"end":1877.565},{"sentences":[{"text":"Yes.","start":1880.89,"end":1881.39,"sentiment":"neutral","sentiment_score":0.06131662428379059},{"text":"Yeah.","start":1881.61,"end":1882.11,"sentiment":"neutral","sentiment_score":0.02227715030312538},{"text":"Yes.","start":1886.97,"end":1887.47,"sentiment":"neutral","sentiment_score":-0.14085222780704498},{"text":"Exactly.","start":1890.905,"end":1891.405,"sentiment":"neutral","sentiment_score":-0.26232582330703735},{"text":"So we do wanna look at swapping that out as soon as we can.","start":1891.465,"end":1894.365,"sentiment":"neutral","sentiment_score":-0.11594765739781517}],"sentiment":"neutral","sentiment_score":-0.1079361933386988,"num_words":18,"start":1880.89,"end":1894.365},{"sentences":[{"text":"Sorry.","start":1896.1849,"end":1896.6849,"sentiment":"neutral","sentiment_score":-0.09114199876785278},{"text":"So it yeah.","start":1902.15,"end":1906.41,"sentiment":"neutral","sentiment_score":-0.19440272450447083},{"text":"So it's more of we've always it takes some time because you don't wanna make changes quickly because you don't wanna sell out while it's a loss because that mean you are crystallizing the losses.","start":1907.91,"end":1917.825,"sentiment":"neutral","sentiment_score":-0.2372889974287578},{"text":"So there is a lot of obviously extensive research for the investment committee to obviously decide that it might not be the best thing moving forward.","start":1917.9049,"end":1925.505,"sentiment":"neutral","sentiment_score":-0.282772445334838},{"text":"And because they historically have done so well, you also don't wanna pull the trigger too quickly because you also wanna make sure that if you're gonna come back around, then you wanna sell when it comes up a little bit.","start":1925.505,"end":1935.6,"sentiment":"neutral","sentiment_score":-0.11505356158425169}],"sentiment":"neutral","sentiment_score":-0.19857306307498016,"num_words":106,"start":1896.1849,"end":1935.6},{"sentences":[{"text":"You don't wanna sell at the bottom unless you see it not going up.","start":1935.6,"end":1939.86,"sentiment":"neutral","sentiment_score":-0.22424848271267755},{"text":"So it's only been more recently where the investment committee made the decision that we wanna look at swapping that out.","start":1940.64,"end":1947.22,"sentiment":"neutral","sentiment_score":-0.07684626075483504},{"text":"Before then.","start":1948.525,"end":1949.165,"sentiment":"neutral","sentiment_score":-0.04083568602800369},{"text":"You wanna give it some time as well to make sure if it's gonna come back around and if it's a bit more of of a good investment because you don't wanna sell at the bottom unless you have to.","start":1949.165,"end":1959.425,"sentiment":"neutral","sentiment_score":-0.04351696241647005},{"text":"Mhmm.","start":1967.18,"end":1967.68,"sentiment":"neutral","sentiment_score":-0.0001945914700627327}],"sentiment":"neutral","sentiment_score":-0.0843050601796653,"num_words":78,"start":1935.6,"end":1967.68},{"sentences":[{"text":"Mhmm.","start":1975.915,"end":1976.415,"sentiment":"neutral","sentiment_score":0.04283028095960617},{"text":"Yes.","start":1987.4501,"end":1987.77,"sentiment":"neutral","sentiment_score":0.191011905670166},{"text":"Yep.","start":1987.77,"end":1988.17,"sentiment":"neutral","sentiment_score":0.1846449375152588},{"text":"Exactly.","start":1988.17,"end":1988.67,"sentiment":"neutral","sentiment_score":0.1902060508728027},{"text":"Yeah.","start":1988.81,"end":1989.31,"sentiment":"neutral","sentiment_score":0.15927910804748535}],"sentiment":"neutral","sentiment_score":0.1535944566130638,"num_words":5,"start":1975.915,"end":1989.31},{"sentences":[{"text":"Mhmm.","start":1996.9851,"end":1997.4851,"sentiment":"neutral","sentiment_score":0.07075604796409607},{"text":"Like insurances?","start":2005.2251,"end":2006.125,"sentiment":"neutral","sentiment_score":-0.0019682967104017735},{"text":"Yep.","start":2006.425,"end":2006.925,"sentiment":"neutral","sentiment_score":0.05100594088435173},{"text":"It's still yeah.","start":2019.17,"end":2024.005,"sentiment":"neutral","sentiment_score":-0.16550625363985697},{"text":"So it's no.","start":2024.225,"end":2026.385,"sentiment":"neutral","sentiment_score":-0.1787050316731135}],"sentiment":"neutral","sentiment_score":-0.09148084605112672,"num_words":10,"start":1996.9851,"end":2026.385},{"sentences":[{"text":"That's yeah.","start":2026.385,"end":2032.465,"sentiment":"neutral","sentiment_score":-0.10564689338207245},{"text":"So what I'll do, because I know you might full time, I will get the withdrawal amount emailed through so you have it before call on Monday.","start":2032.465,"end":2038.49,"sentiment":"neutral","sentiment_score":0.07296910302506553},{"text":"I'll also send you some more information on the estimate so that you can again read up on it to see if it's something that you are interested in.","start":2038.7101,"end":2046.49,"sentiment":"neutral","sentiment_score":0.17342657827097793},{"text":"And in this report, it shows you that even though you've had fees come out, it's still gone up only by about 3.6, but it's still up.","start":2047.1901,"end":2057.2249,"sentiment":"neutral","sentiment_score":-0.11089996234686286},{"text":"So it hasn't grown as much, but it's still not down even after fees.","start":2057.525,"end":2062.17,"sentiment":"neutral","sentiment_score":-0.2260533645749092}],"sentiment":"neutral","sentiment_score":0.00635552199350463,"num_words":99,"start":2026.385,"end":2062.17},{"sentences":[{"text":"So even in the the period, it's still gone up a little bit.","start":2062.5698,"end":2068.0898,"sentiment":"neutral","sentiment_score":-0.29911036216295683},{"text":"So what I'll do is, like I said, I can send you this oh, you have it already, but I can send the portfolio withdrawals so that you have that in detail, a bit more information in regards to the SMA.","start":2068.0898,"end":2079.905,"sentiment":"neutral","sentiment_score":0.09598084239334595},{"text":"If you have any other questions and stuff that you can think of, though, just please write them down, and we can go through it next Monday when we kind of finish off the under review.","start":2080.365,"end":2088.065,"sentiment":"neutral","sentiment_score":0.10133291615380181},{"text":"And then following the under review, I will go and do the research to then see which investments we wanna change for you potentially to make sure we have you in a better position.","start":2088.365,"end":2097.74,"sentiment":"neutral","sentiment_score":0.2197461349560934},{"text":"Yes.","start":2102.28,"end":2102.78,"sentiment":"neutral","sentiment_score":0.10545750707387924}],"sentiment":"neutral","sentiment_score":0.09017272725701332,"num_words":125,"start":2062.5698,"end":2102.78},{"sentences":[{"text":"Yes.","start":2103.495,"end":2103.995,"sentiment":"neutral","sentiment_score":0.018651802092790604},{"text":"No.","start":2105.175,"end":2105.495,"sentiment":"neutral","sentiment_score":-0.02043534070253372},{"text":"And by all means, write it down so we can go through everything together.","start":2105.495,"end":2108.875,"sentiment":"neutral","sentiment_score":0.12767145303743227},{"text":"Yep.","start":2109.895,"end":2110.395,"sentiment":"neutral","sentiment_score":0.11120331287384032},{"text":"Okay.","start":2110.455,"end":2110.955,"sentiment":"neutral","sentiment_score":0.08824425935745239}],"sentiment":"neutral","sentiment_score":0.11028135423031118,"num_words":18,"start":2103.495,"end":2110.955},{"sentences":[{"text":"Yeah.","start":2114.5352,"end":2114.7751,"sentiment":"neutral","sentiment_score":0.09268392622470856},{"text":"And it it's good to to go through it.","start":2114.7751,"end":2116.695,"sentiment":"neutral","sentiment_score":0.26369309922059375},{"text":"But, yes, like I said, I will send this through to you, and we'll go through everything together on Monday.","start":2116.695,"end":2122.8699,"sentiment":"positive","sentiment_score":0.3394107989966869},{"text":"Yep.","start":2124.29,"end":2124.79,"sentiment":"neutral","sentiment_score":0.2748739421367645},{"text":"Perfect.","start":2124.93,"end":2125.25,"sentiment":"positive","sentiment_score":0.7844196557998657}],"sentiment":"neutral","sentiment_score":0.32229473115876317,"num_words":32,"start":2114.5352,"end":2125.25},{"sentences":[{"text":"Well, thank you so much for your time, and I look forward to speaking with you Monday.","start":2125.25,"end":2128.63,"sentiment":"positive","sentiment_score":0.677804056335898},{"text":"Bye.","start":2129.8098,"end":2130.3098,"sentiment":"neutral","sentiment_score":-0.13027796149253845}],"sentiment":"positive","sentiment_score":0.6329106109009849,"num_words":18,"start":2125.25,"end":2130.3098}]}}]},{"alternatives":[{"transcript":"Hi, Jascha. I'm good. How are you? Yep. Yeah. It's all that. Yep. Yeah. That's fine. Date of birth twenty first September nineteen eighty. And address is 20 Elkhorn Way, Point Cook, Victoria 3030. Yeah. What's going on? Busy. Work. Yes. Yeah. Because what I understand is in the first year, there is no limit to how much contribution I can make without impacting so it has no impact on the taxation side as well, and it doesn't impact the next the ongoing 125% contribution as well that I need to make. So, yes, I wanted to confirm these two and then obviously understand what is your advice. Correct. Yeah. That's correct. Mhmm. But it doesn't have to be under 25 or it doesn't even have to be so to tell me one thing. When I set it up initially, I made a bulk contribution and then $250 per month. Right? So that is how I set it up. So assuming assuming I made $10,000 initially and then $250 after that. Yeah. I can, in fact, check what it what it was really. Yeah. Yeah. Yeah. I do. I do. Yeah. Yeah. So you can send but but the question I had was sorry. So if I look at one of my child, so I I made an initial contribution of $10,000 last April 20 twenty second April twenty twenty five. And then from there on, May onwards, I've been making $250 as a regular contribution. So I think the total contribution is whatever, 13,000, sorry, $12,007.50. Now tell me a couple a couple of scenarios. Right? If I if I don't make the bulk contribution now and I continue with this plan, next year's max investment I can do is 125% of the $12,007.50. Is that correct? Okay. Yep. If I do make a bulk contribution, let's say I make a bulk contribution of $10,000 now, which will take the inflow of the current year to $22,750, so the 125% will be of twenty two thousand seven fifty or $12,007.50? '20 two. Okay. But I don't have to necessarily make 125% contribution or even 100% contribution. I can continue doing $250 as a regular basis. Yeah? Okay. Yep. Okay. So sorry. I didn't understand one point. You're saying if if in between I don't contribute for a certain duration, it resets. What does that mean? So you made zero peak this year, so the next year is zero of 01/25. Okay. But then then what happens the year after? Or or what's the how do how do I get back to $250 after that per per month? Reset the time frame. So did all my investments become zero, is it? As in all my all my gains become zero? Is that what you're saying? Yeah. So the first five years first five years doesn't become tax free. Is that what you mean? Right. Okay. Yeah. Yeah. Yeah. Yeah. Yeah. It's better to continue. That's what that's the summary. And what what if the amount decreases? So let's say instead of $2.50, let's say for a year, I just want to bring it down to $200. Does that impact as well or does it doesn't impact? It does. Yeah. Just just the one 25% changes. That's it. Right? But it doesn't it doesn't impact it doesn't impact previously like it reset the okay. Okay. Yeah. Got it. Got it. So it should not ideally be zero is what I understand. If it becomes zero, then it resets. But it can be anywhere between zero or $1 to the $1.25 percent of that amount. Right? Okay. Okay. Then then there are no issues in that sense. Okay. Got it. Got it. Got it. Yep. Yep. Yep. Got it. Got it. Okay. Yeah. Yeah. No. I think it answers. Look. I think I one year ago when I set all this up, I probably did get all these answer, but, you know, as a human psychology, you tend to forget. Yeah. Yeah. Yeah. Yep. Correct. Yeah. No. Absolutely. Yeah. No. Makes sense. Makes sense. And and and but, obviously, so many other things, right, financially, so you tend to lose track of things. Yeah. Absolutely. Yeah. You don't have to do it. Exactly. Yeah. Yeah. Yeah. Yep. Yep. Great. Alright. So now tell me, I'm keen to make additional contribution for obviously, a bulk contribution because in the first year, there's no limit to it. I think I initially set up $10,000 and then $2.50. I'm just checking for both my child. $1.05 $8.07 and $8.06. Yeah. I I think that's it's the same amount, $10,002.50. Can I what is your recommendation in terms of making additional bulk contribution right now? And do you Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Got it. Got it. Yeah. Yeah. And then I'm assuming yeah. The the obviously, the markets are low, so the number of units purchased would be higher to the amount contributed. So there's a better ROI in that sense. Yeah? Yeah. Yeah. I've just got I've just opened the email and the document. Yep. Yeah. I've just got I'll open the sign document link. It opens a document. The first one, it says consent to new ongoing fees arrangement. Yeah. Yeah. I can see those links. Yep. Yep. Yeah. It's hoping that it's downloading. Give me one sec. Yeah. I'm just opening that up. Yep. I opened it. Yeah. Mhmm. Yep. Yep. I believe so. Yeah. Yeah. Yeah. Two of them. Yep. Yeah. Have twenty four twenty twelve month IRR. Yeah? Okay. Yeah. Just looking down the road. One second. Mhmm. Not really. I think I'm okay with that. In fact, right right now is the time to invest in equities. So yeah. Yeah. Market value at this start of the period, market value at the end is 206, income income and growth. What does income in the period mean? From dividends, you mean? Yeah. Okay. Yep. Yep. Yep. Yep. Yeah. Sort of. But I don't really know exactly what that thing is. But yeah. Yep. Yeah. Yep. Yeah. Absolutely. This is yeah. This is contrary to the fundamental goal. Yeah. I know that. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Please. So tell me one thing, the the investment calls are made by you folks, as in which funds to invest and which securities to invest as a combination of the portfolio? Is it HUB24 who makes that call? You guys make that call. Right? Yeah. HUB24 is just an investment vehicle. Got it. It. Yeah. Not really. Yeah. Mhmm. Yeah. Yeah. No. I'm not. Yeah. Yeah. Yeah. Yeah. Yeah. So I would yeah. I'd be keen to understand options. I'm I'm I'm sorry. I'm squeezed for time. I just had kept half an hour because I've got get to got to get into another call. But happy for you to have a look at it. But, yeah, I'm just looking at this report, and, obviously, Benelong is the biggest, which is a little surprising because, yeah, it's almost a 20 five percent dip. Yeah. And it's it's obviously one of the biggest not one of the biggest, but, yeah, on the top portfolios of investments. Yeah. So I would have expected a better management of this to be fair. Yeah. Yeah. Yeah. Yeah. Got it. I yeah. Yeah. So if you can maybe schedule another time where we can go through in a bit more detail, that's fine. Just one question. What is the withdrawal amount of $12,000 on this portfolio? Yeah. But this seems to be too high in I understand investments sorry. Insurance and all is there, but it's probably plus investment. Yeah. Yeah. If you can, please. Yeah. Yeah. Maybe next week, if we can schedule half an hour, I think, like, we can get on to call next week and, yeah, do that. Yep. Okay. Monday sorry. Tuesday. Yeah. Can we do half an hour later on a Monday next week? Yep. Yeah. Yeah. Yeah. Yep. Yeah. Sure. If you can just send me some details on the withdrawals as well, please. Would like to understand. And then, yeah, obviously, this could be yeah. Really the managed one is is yeah. It's very poorly performed. So yeah. Yeah. Yeah. Absolutely. So why was it left for so long in the portfolio if it was underperforming and you guys had some signals on it going down? Yeah. Yeah. I would want some details on the on the overall portfolio as well. If I look at the start of the period, $1.85 k, and if I look just look at the bottom line. Right? Bottom second page. $185 at the start investments of 31,000, which is basically a super contribution, I believe. $31,004.81 binds. That, I believe, is the super from super contribution. That would put me at $2,215,000, and I would then expect certain growth, which would then pay off the fees and the insurances. So, ideally so the market value is actually less than the starting position plus the deposits made in that, just 110,000. Right? Just just on that basis, it is less. So I'm just yeah. A little I'm not able to understand why is there so much of downtrend in the portfolio and what is the withdrawal amount of 12,200? Yep. Yeah. Yeah. I would, yeah, I would want to go through, the details on Monday. Yeah. So I'll probably have few questions for you on Monday. Yeah. Yeah. Yeah. But it it's not looking a little rosy to me on the first instance. So yeah. Alright. Yeah. Sure. Thanks. Bye. Yeah. Cheers. Bye.","confidence":0.9927133,"words":[{"word":"hi","start":2.72,"end":2.8799999,"confidence":0.81973904,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.22098243236541748},{"word":"jascha","start":2.8799999,"end":3.3799999,"confidence":0.6042392,"punctuated_word":"Jascha.","sentiment":"neutral","sentiment_score":0.21354222297668457},{"word":"i'm","start":8.48,"end":8.72,"confidence":0.9950798,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5555334091186523},{"word":"good","start":8.72,"end":8.88,"confidence":0.9992595,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5685105323791504},{"word":"how","start":8.88,"end":9.04,"confidence":0.9998621,"punctuated_word":"How","sentiment":"positive","sentiment_score":0.380546510219574},{"word":"are","start":9.04,"end":9.12,"confidence":0.99794465,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.3433131277561188},{"word":"you","start":9.12,"end":9.62,"confidence":0.9961827,"punctuated_word":"you?","sentiment":"positive","sentiment_score":0.4345856904983521},{"word":"yep","start":16.095001,"end":16.575,"confidence":0.9023906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09335961937904358},{"word":"yeah","start":16.575,"end":16.815,"confidence":0.8913412,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10580845922231674},{"word":"it's","start":16.815,"end":17.055,"confidence":0.8180923,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.18467029929161072},{"word":"all","start":17.055,"end":17.215,"confidence":0.74699813,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.18743443489074707},{"word":"that","start":17.215,"end":17.455,"confidence":0.78817856,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.207076296210289},{"word":"yep","start":17.455,"end":17.955,"confidence":0.8796221,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23504316806793213},{"word":"yeah","start":26.609999,"end":26.849998,"confidence":0.8163339,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14789864420890808},{"word":"that's","start":26.849998,"end":27.089998,"confidence":0.9956826,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.239766925573349},{"word":"fine","start":27.089998,"end":27.589998,"confidence":0.99353826,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.2550567388534546},{"word":"date","start":37.805,"end":38.045002,"confidence":0.6200288,"punctuated_word":"Date","sentiment":"neutral","sentiment_score":0.014404204674065111},{"word":"of","start":38.045002,"end":38.125,"confidence":0.97608256,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.007618340663611889},{"word":"birth","start":38.125,"end":38.365,"confidence":0.99962044,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":0.016001209616661072},{"word":"twenty","start":38.365,"end":38.525,"confidence":0.51075506,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.010789643041789532},{"word":"first","start":38.525,"end":38.685,"confidence":0.8997136,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.01203709002584219},{"word":"september","start":38.685,"end":39.085,"confidence":0.8782169,"punctuated_word":"September","sentiment":"neutral","sentiment_score":0.010265589691698551},{"word":"nineteen","start":39.085,"end":39.405003,"confidence":0.9670291,"punctuated_word":"nineteen","sentiment":"neutral","sentiment_score":0.021308228373527527},{"word":"eighty","start":39.405003,"end":39.805,"confidence":0.7729989,"punctuated_word":"eighty.","sentiment":"neutral","sentiment_score":0.03472723066806793},{"word":"and","start":39.805,"end":40.205,"confidence":0.989962,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02845173329114914},{"word":"address","start":40.205,"end":40.685,"confidence":0.99748033,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.035282813012599945},{"word":"is","start":40.685,"end":40.925,"confidence":0.9990465,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.026128141209483147},{"word":"20","start":40.925,"end":41.325,"confidence":0.9985312,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.028147101402282715},{"word":"elkhorn","start":41.325,"end":41.725002,"confidence":0.7329362,"punctuated_word":"Elkhorn","sentiment":"neutral","sentiment_score":0.03381872922182083},{"word":"way","start":41.725002,"end":42.045002,"confidence":0.93138283,"punctuated_word":"Way,","sentiment":"neutral","sentiment_score":0.03784669190645218},{"word":"point","start":42.045002,"end":42.285,"confidence":0.9718897,"punctuated_word":"Point","sentiment":"neutral","sentiment_score":0.04167144373059273},{"word":"cook","start":42.285,"end":42.525,"confidence":0.7582059,"punctuated_word":"Cook,","sentiment":"neutral","sentiment_score":0.04433434456586838},{"word":"victoria","start":42.525,"end":43.025,"confidence":0.99907804,"punctuated_word":"Victoria","sentiment":"neutral","sentiment_score":0.07328440248966217},{"word":"3030","start":43.085,"end":44.225002,"confidence":0.98855555,"punctuated_word":"3030.","sentiment":"neutral","sentiment_score":0.0775112435221672},{"word":"yeah","start":48.525,"end":49.005,"confidence":0.99284196,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01776851713657379},{"word":"what's","start":49.005,"end":49.325,"confidence":0.8936721,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.0012961247703060508},{"word":"going","start":49.325,"end":49.485,"confidence":0.9994351,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.018037809059023857},{"word":"on","start":49.485,"end":49.645,"confidence":0.9164932,"punctuated_word":"on?","sentiment":"neutral","sentiment_score":0.02998821809887886},{"word":"busy","start":49.645,"end":50.145,"confidence":0.89518386,"punctuated_word":"Busy.","sentiment":"neutral","sentiment_score":0.03434998542070389},{"word":"work","start":50.205,"end":50.49,"confidence":0.95945215,"punctuated_word":"Work.","sentiment":"neutral","sentiment_score":0.04815632477402687},{"word":"yes","start":62.010002,"end":62.505,"confidence":0.9984611,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0634990781545639},{"word":"yeah","start":73.385,"end":73.705,"confidence":0.9562023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02609235607087612},{"word":"because","start":73.705,"end":74.205,"confidence":0.9971334,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.020181143656373024},{"word":"what","start":74.585,"end":74.825,"confidence":0.876799,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.019156673923134804},{"word":"i","start":74.825,"end":74.905,"confidence":0.99886775,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01727215386927128},{"word":"understand","start":74.905,"end":75.405,"confidence":0.9992655,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.01259194128215313},{"word":"is","start":75.465004,"end":75.705,"confidence":0.99852437,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.015175294131040571},{"word":"in","start":75.705,"end":75.865,"confidence":0.80816966,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.023165982216596603},{"word":"the","start":75.865,"end":75.945,"confidence":0.91187185,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02564625069499016},{"word":"first","start":75.945,"end":76.185,"confidence":0.9997687,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.026558950543403625},{"word":"year","start":76.185,"end":76.505005,"confidence":0.9470535,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.031941890716552734},{"word":"there","start":76.505005,"end":76.665,"confidence":0.99942315,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.017633292824029922},{"word":"is","start":76.665,"end":76.825,"confidence":0.997442,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01715884357690811},{"word":"no","start":76.825,"end":76.985,"confidence":0.9995054,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.022847946733236313},{"word":"limit","start":76.985,"end":77.43,"confidence":0.9998642,"punctuated_word":"limit","sentiment":"neutral","sentiment_score":-0.003993652760982513},{"word":"to","start":78.87,"end":79.03,"confidence":0.9996412,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05376717448234558},{"word":"how","start":79.03,"end":79.19,"confidence":0.9946603,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.05193713307380676},{"word":"much","start":79.19,"end":79.69,"confidence":0.999951,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.06274640560150146},{"word":"contribution","start":79.99,"end":80.49,"confidence":0.99972457,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.07669016718864441},{"word":"i","start":80.55,"end":80.71,"confidence":0.9997336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06815868616104126},{"word":"can","start":80.71,"end":80.87,"confidence":0.9999106,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0725366622209549},{"word":"make","start":80.87,"end":81.27,"confidence":0.9998354,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.09076869487762453},{"word":"without","start":81.27,"end":81.77,"confidence":0.99878365,"punctuated_word":"without","sentiment":"neutral","sentiment_score":0.05729740113019943},{"word":"impacting","start":82.15,"end":82.65,"confidence":0.9967933,"punctuated_word":"impacting","sentiment":"neutral","sentiment_score":0.008711148053407669},{"word":"so","start":82.95,"end":83.19,"confidence":0.9685752,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.09743677079677582},{"word":"it","start":83.19,"end":83.35,"confidence":0.52116793,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10512268543243408},{"word":"has","start":83.35,"end":83.51,"confidence":0.99717283,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.08293561637401581},{"word":"no","start":83.51,"end":83.67,"confidence":0.99962246,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.06971658766269684},{"word":"impact","start":83.67,"end":83.99,"confidence":0.9998783,"punctuated_word":"impact","sentiment":"neutral","sentiment_score":-0.030594315379858017},{"word":"on","start":83.99,"end":84.15,"confidence":0.9993812,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04091284424066544},{"word":"the","start":84.15,"end":84.31,"confidence":0.7426765,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06671392917633057},{"word":"taxation","start":84.31,"end":84.81,"confidence":0.99315417,"punctuated_word":"taxation","sentiment":"neutral","sentiment_score":0.06948282569646835},{"word":"side","start":84.95,"end":85.19,"confidence":0.99384403,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.06414487957954407},{"word":"as","start":85.19,"end":85.35,"confidence":0.99754167,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08857302367687225},{"word":"well","start":85.35,"end":85.85,"confidence":0.7490431,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.05942900478839874},{"word":"and","start":85.99,"end":86.15,"confidence":0.9993587,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03423207625746727},{"word":"it","start":86.15,"end":86.31,"confidence":0.99948716,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.037164539098739624},{"word":"doesn't","start":86.31,"end":86.63,"confidence":0.9992868,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.032183315604925156},{"word":"impact","start":86.63,"end":86.95,"confidence":0.99942845,"punctuated_word":"impact","sentiment":"neutral","sentiment_score":0.0016926154494285583},{"word":"the","start":86.95,"end":87.11,"confidence":0.9983088,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011179985478520392},{"word":"next","start":87.11,"end":87.43,"confidence":0.94589835,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.02727513760328293},{"word":"the","start":87.59,"end":87.83,"confidence":0.74300826,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.033077508211135864},{"word":"ongoing","start":87.83,"end":88.33,"confidence":0.9986638,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.041167810559272766},{"word":"125%","start":88.71,"end":89.91,"confidence":0.96559906,"punctuated_word":"125%","sentiment":"neutral","sentiment_score":0.05178947374224663},{"word":"contribution","start":89.91,"end":90.39,"confidence":0.99945074,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.06705355644226074},{"word":"as","start":90.39,"end":90.55,"confidence":0.995839,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.058407947421073914},{"word":"well","start":90.55,"end":90.71,"confidence":0.9899074,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.08109667897224426},{"word":"that","start":90.71,"end":90.87,"confidence":0.99401855,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05609619244933128},{"word":"i","start":90.87,"end":91.03,"confidence":0.99848723,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04685128852725029},{"word":"need","start":91.03,"end":91.19,"confidence":0.99489826,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.062489017844200134},{"word":"to","start":91.19,"end":91.35,"confidence":0.9997434,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05667170137166977},{"word":"make","start":91.35,"end":91.85,"confidence":0.9991926,"punctuated_word":"make.","sentiment":"neutral","sentiment_score":0.05196112394332886},{"word":"so","start":93.095,"end":93.595,"confidence":0.78079915,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.12018120288848876},{"word":"yes","start":93.815,"end":94.135,"confidence":0.733716,"punctuated_word":"yes,","sentiment":"neutral","sentiment_score":0.13009560108184814},{"word":"i","start":94.135,"end":94.534996,"confidence":0.99919504,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11375749111175536},{"word":"wanted","start":94.534996,"end":94.854996,"confidence":0.9556814,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.10056006908416748},{"word":"to","start":94.854996,"end":94.935,"confidence":0.99704844,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09689326584339142},{"word":"confirm","start":94.935,"end":95.335,"confidence":0.9994541,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.107790008187294},{"word":"these","start":95.335,"end":95.575,"confidence":0.9982674,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.0994488075375557},{"word":"two","start":95.575,"end":95.735,"confidence":0.9986739,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.10032404214143752},{"word":"and","start":95.735,"end":95.895,"confidence":0.8388752,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10808643698692322},{"word":"then","start":95.895,"end":96.055,"confidence":0.9980725,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.15534447133541107},{"word":"obviously","start":96.055,"end":96.534996,"confidence":0.80568427,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.13262350857257843},{"word":"understand","start":96.534996,"end":97.034996,"confidence":0.9773653,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.09839770197868349},{"word":"what","start":97.335,"end":97.575,"confidence":0.98948014,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10943043977022172},{"word":"is","start":97.575,"end":97.735,"confidence":0.9996706,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11790229380130768},{"word":"your","start":97.735,"end":97.895,"confidence":0.9996518,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12594790756702423},{"word":"advice","start":97.895,"end":98.395,"confidence":0.98514354,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.09662384539842606},{"word":"correct","start":144.85501,"end":145.175,"confidence":0.95616376,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.1889852434396744},{"word":"yeah","start":145.175,"end":145.49501,"confidence":0.9969272,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.22658148407936096},{"word":"that's","start":145.49501,"end":145.74501,"confidence":0.9993107,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2794142961502075},{"word":"correct","start":145.74501,"end":146.24501,"confidence":0.9985267,"punctuated_word":"correct.","sentiment":"positive","sentiment_score":0.3885159492492676},{"word":"mhmm","start":161.43001,"end":161.93001,"confidence":0.88807464,"punctuated_word":"Mhmm.","sentiment":"positive","sentiment_score":0.409104436635971},{"word":"but","start":196.445,"end":196.60501,"confidence":0.56236506,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.19107988476753235},{"word":"it","start":196.60501,"end":196.765,"confidence":0.9960445,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16682294011116028},{"word":"doesn't","start":196.765,"end":197.085,"confidence":0.9997183,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.14233651757240295},{"word":"have","start":197.085,"end":197.32501,"confidence":0.9996356,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1256096214056015},{"word":"to","start":197.32501,"end":197.405,"confidence":0.9980399,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08362044394016266},{"word":"be","start":197.405,"end":197.565,"confidence":0.9988984,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.048835888504981995},{"word":"under","start":197.565,"end":197.88501,"confidence":0.4343449,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.08071671426296234},{"word":"25","start":197.88501,"end":198.365,"confidence":0.9902818,"punctuated_word":"25","sentiment":"neutral","sentiment_score":0.07996746897697449},{"word":"or","start":198.365,"end":198.68501,"confidence":0.5145129,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09106341749429704},{"word":"it","start":198.68501,"end":198.765,"confidence":0.99409014,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10218890011310576},{"word":"doesn't","start":198.765,"end":199.085,"confidence":0.9998087,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.09178397059440611},{"word":"even","start":199.085,"end":199.405,"confidence":0.9988668,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.09276192635297777},{"word":"have","start":199.405,"end":199.565,"confidence":0.99967754,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06235314905643463},{"word":"to","start":199.565,"end":199.645,"confidence":0.99924564,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.005324043333530426},{"word":"be","start":199.645,"end":200.145,"confidence":0.99972457,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.015988551080226898},{"word":"so","start":200.52501,"end":200.765,"confidence":0.9650525,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.047926705330610275},{"word":"to","start":200.765,"end":200.925,"confidence":0.39866033,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.047829627990722656},{"word":"tell","start":200.925,"end":201.16501,"confidence":0.99484044,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":-0.05766274034976959},{"word":"me","start":201.16501,"end":201.24501,"confidence":0.93608135,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.03060291707515717},{"word":"one","start":201.24501,"end":201.405,"confidence":0.99552983,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.014454644173383713},{"word":"thing","start":201.405,"end":201.905,"confidence":0.7494583,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.011865939944982529},{"word":"when","start":202.125,"end":202.205,"confidence":0.87978524,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.011154234409332275},{"word":"i","start":202.205,"end":202.365,"confidence":0.99964976,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.027567673474550247},{"word":"set","start":202.365,"end":202.445,"confidence":0.9952296,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.051300711929798126},{"word":"it","start":202.445,"end":202.52501,"confidence":0.9956564,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05710214003920555},{"word":"up","start":202.52501,"end":202.765,"confidence":0.99982446,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.059482455253601074},{"word":"initially","start":202.765,"end":203.16501,"confidence":0.93934214,"punctuated_word":"initially,","sentiment":"neutral","sentiment_score":0.03738038241863251},{"word":"i","start":203.16501,"end":203.405,"confidence":0.9996853,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03376837074756622},{"word":"made","start":203.405,"end":203.905,"confidence":0.99971706,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.037379831075668335},{"word":"a","start":204.045,"end":204.285,"confidence":0.877494,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02880572155117989},{"word":"bulk","start":204.285,"end":204.60501,"confidence":0.9869364,"punctuated_word":"bulk","sentiment":"neutral","sentiment_score":0.013543102890253069},{"word":"contribution","start":204.60501,"end":205.10501,"confidence":0.9996563,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.03194962814450264},{"word":"and","start":205.405,"end":205.565,"confidence":0.7455229,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.023653965443372726},{"word":"then","start":205.565,"end":205.88501,"confidence":0.9997061,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.03355900198221207},{"word":"$250","start":205.88501,"end":206.765,"confidence":0.9978616,"punctuated_word":"$250","sentiment":"neutral","sentiment_score":0.07005604356527328},{"word":"per","start":206.765,"end":207.005,"confidence":0.9995505,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.05844445526599884},{"word":"month","start":207.005,"end":207.24501,"confidence":0.9831009,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":0.06813953816890717},{"word":"right","start":207.24501,"end":207.405,"confidence":0.9958805,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.06680585443973541},{"word":"so","start":207.405,"end":207.565,"confidence":0.99889153,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07973884791135788},{"word":"that","start":207.565,"end":207.725,"confidence":0.99870884,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10267721116542816},{"word":"is","start":207.725,"end":207.88501,"confidence":0.99875426,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09036220610141754},{"word":"how","start":207.88501,"end":208.045,"confidence":0.9997757,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.10125857591629028},{"word":"i","start":208.045,"end":208.205,"confidence":0.9992725,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12691915035247803},{"word":"set","start":208.205,"end":208.365,"confidence":0.99900585,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.1284436136484146},{"word":"it","start":208.365,"end":208.52501,"confidence":0.9991799,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12573206424713135},{"word":"up","start":208.52501,"end":208.925,"confidence":0.9807782,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.1063271388411522},{"word":"so","start":208.925,"end":209.16501,"confidence":0.99906546,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10763458907604218},{"word":"assuming","start":209.16501,"end":209.645,"confidence":0.9974427,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":0.07604105770587921},{"word":"assuming","start":209.645,"end":210.045,"confidence":0.9945634,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":0.08489404618740082},{"word":"i","start":210.045,"end":210.125,"confidence":0.9914648,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09715315699577332},{"word":"made","start":210.125,"end":210.285,"confidence":0.9980672,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.0943986475467682},{"word":"$10,000","start":210.285,"end":211.16501,"confidence":0.9956746,"punctuated_word":"$10,000","sentiment":"neutral","sentiment_score":0.09434179961681366},{"word":"initially","start":211.16501,"end":211.565,"confidence":0.9961278,"punctuated_word":"initially","sentiment":"neutral","sentiment_score":0.06225748732686043},{"word":"and","start":211.565,"end":211.645,"confidence":0.9191362,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06274436414241791},{"word":"then","start":211.645,"end":211.88501,"confidence":0.9970868,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06887669116258621},{"word":"$250","start":211.88501,"end":213.54,"confidence":0.99162585,"punctuated_word":"$250","sentiment":"neutral","sentiment_score":0.05765774846076965},{"word":"after","start":213.54,"end":213.86,"confidence":0.994869,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.05060815438628197},{"word":"that","start":213.86,"end":214.36,"confidence":0.71325517,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.06437307596206665},{"word":"yeah","start":216.18,"end":216.68,"confidence":0.9264947,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11740147322416306},{"word":"i","start":216.98,"end":217.14,"confidence":0.8682194,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12693442404270172},{"word":"can","start":217.14,"end":217.26,"confidence":0.71805525,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":0.11916257441043854},{"word":"in","start":217.26,"end":217.37999,"confidence":0.6253448,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10461543500423431},{"word":"fact","start":217.37999,"end":217.7,"confidence":0.9963068,"punctuated_word":"fact,","sentiment":"neutral","sentiment_score":0.11715936660766602},{"word":"check","start":217.7,"end":217.94,"confidence":0.99872893,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.11375927925109865},{"word":"what","start":217.94,"end":218.34,"confidence":0.9949721,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10240070521831512},{"word":"it","start":218.34,"end":218.5,"confidence":0.7273954,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0826885849237442},{"word":"what","start":218.5,"end":218.73999,"confidence":0.95201284,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.07652585953474045},{"word":"it","start":218.73999,"end":218.9,"confidence":0.9955409,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07723996043205261},{"word":"was","start":218.9,"end":219.37999,"confidence":0.89768904,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.06355074793100357},{"word":"really","start":219.37999,"end":219.87999,"confidence":0.67254364,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":0.08498361706733704},{"word":"yeah","start":223.22,"end":223.72,"confidence":0.99154717,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12302548438310625},{"word":"yeah","start":235.635,"end":236.135,"confidence":0.9558797,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07725311070680618},{"word":"yeah","start":239.795,"end":240.03499,"confidence":0.9888719,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.004521947354078293},{"word":"i","start":240.03499,"end":240.33,"confidence":0.9553533,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07218752056360245},{"word":"do","start":240.33,"end":240.57,"confidence":0.9975606,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.10186567157506944},{"word":"i","start":240.57,"end":240.73,"confidence":0.9989191,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09756479412317276},{"word":"do","start":240.73,"end":241.23,"confidence":0.99984527,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.13541075587272644},{"word":"yeah","start":244.89,"end":245.21,"confidence":0.99769586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.119244784116745},{"word":"yeah","start":245.21,"end":245.71,"confidence":0.99767154,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08469081670045853},{"word":"so","start":246.17,"end":246.41,"confidence":0.9846058,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07609447836875916},{"word":"you","start":246.41,"end":246.49,"confidence":0.99673885,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0731794685125351},{"word":"can","start":246.49,"end":246.65,"confidence":0.96484005,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0905781090259552},{"word":"send","start":246.65,"end":246.81,"confidence":0.9843946,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.05201680213212967},{"word":"but","start":246.89,"end":247.13,"confidence":0.9978758,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.014626309275627136},{"word":"but","start":247.13,"end":247.29001,"confidence":0.99732816,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0071838609874248505},{"word":"the","start":247.29001,"end":247.37,"confidence":0.99734986,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03437574952840805},{"word":"question","start":247.37,"end":247.69,"confidence":0.99982303,"punctuated_word":"question","sentiment":"neutral","sentiment_score":-0.0368693470954895},{"word":"i","start":247.69,"end":247.77,"confidence":0.99918526,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08134075999259949},{"word":"had","start":247.77,"end":247.93001,"confidence":0.99439526,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.09091199934482574},{"word":"was","start":247.93001,"end":248.05,"confidence":0.9993728,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.08985892683267593},{"word":"sorry","start":248.17,"end":248.67,"confidence":0.9748502,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.040654562413692474},{"word":"so","start":248.73,"end":248.89,"confidence":0.78076446,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.051172781735658646},{"word":"if","start":248.89,"end":249.13,"confidence":0.9967951,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04641437157988548},{"word":"i","start":249.13,"end":249.21,"confidence":0.9988273,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0652986690402031},{"word":"look","start":249.21,"end":249.37,"confidence":0.99821883,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.05335647612810135},{"word":"at","start":249.37,"end":249.53,"confidence":0.997131,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.052356816828250885},{"word":"one","start":249.53,"end":249.69,"confidence":0.9994592,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.05530933290719986},{"word":"of","start":249.69,"end":249.77,"confidence":0.9994185,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04880473017692566},{"word":"my","start":249.77,"end":250.01,"confidence":0.9990721,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.052299901843070984},{"word":"child","start":250.01,"end":250.41,"confidence":0.7746088,"punctuated_word":"child,","sentiment":"neutral","sentiment_score":0.044692039489746094},{"word":"so","start":250.41,"end":250.65,"confidence":0.99872476,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.040288686752319336},{"word":"i","start":250.65,"end":250.81,"confidence":0.9975647,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.044135622680187225},{"word":"i","start":250.81,"end":250.97,"confidence":0.9494016,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05146396160125733},{"word":"made","start":250.97,"end":251.21,"confidence":0.99770325,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.06566856056451797},{"word":"an","start":251.21,"end":251.37,"confidence":0.91346157,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.05816202983260155},{"word":"initial","start":251.37,"end":251.69,"confidence":0.9993262,"punctuated_word":"initial","sentiment":"neutral","sentiment_score":0.05724290385842323},{"word":"contribution","start":251.69,"end":252.17,"confidence":0.99972063,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.07424183189868927},{"word":"of","start":252.17,"end":252.33,"confidence":0.99926656,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05369044840335846},{"word":"$10,000","start":252.33,"end":253.215,"confidence":0.996602,"punctuated_word":"$10,000","sentiment":"neutral","sentiment_score":0.08769623935222626},{"word":"last","start":254.655,"end":254.97499,"confidence":0.9855049,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.02595848403871059},{"word":"april","start":254.97499,"end":255.42499,"confidence":0.9231412,"punctuated_word":"April","sentiment":"neutral","sentiment_score":0.03186826407909393},{"word":"20","start":255.42499,"end":255.875,"confidence":0.9231412,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.05332398414611816},{"word":"twenty","start":256.255,"end":256.495,"confidence":0.9962829,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.05458597093820572},{"word":"second","start":256.495,"end":256.815,"confidence":0.9940195,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.040592167526483536},{"word":"april","start":256.815,"end":257.055,"confidence":0.79784864,"punctuated_word":"April","sentiment":"neutral","sentiment_score":0.030766164883971214},{"word":"twenty","start":257.055,"end":257.375,"confidence":0.9564521,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.054930925369262695},{"word":"twenty","start":257.375,"end":257.535,"confidence":0.98613805,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.05527424439787865},{"word":"five","start":257.535,"end":258.035,"confidence":0.93901193,"punctuated_word":"five.","sentiment":"neutral","sentiment_score":0.04717961698770523},{"word":"and","start":258.175,"end":258.415,"confidence":0.9982085,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07073601335287094},{"word":"then","start":258.415,"end":258.735,"confidence":0.9995449,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08211162686347961},{"word":"from","start":258.735,"end":259.055,"confidence":0.98860395,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.10898981988430025},{"word":"there","start":259.055,"end":259.29498,"confidence":0.9972697,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.09377523511648178},{"word":"on","start":259.29498,"end":259.615,"confidence":0.8619646,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.10939733684062958},{"word":"may","start":259.615,"end":259.855,"confidence":0.9869937,"punctuated_word":"May","sentiment":"neutral","sentiment_score":0.08274709433317184},{"word":"onwards","start":259.855,"end":260.255,"confidence":0.97484744,"punctuated_word":"onwards,","sentiment":"neutral","sentiment_score":0.10275780409574509},{"word":"i've","start":260.255,"end":260.495,"confidence":0.99644643,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.09490257501602171},{"word":"been","start":260.495,"end":260.655,"confidence":0.9993543,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.09445028752088548},{"word":"making","start":260.655,"end":260.895,"confidence":0.9999001,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.1041514202952385},{"word":"$250","start":260.895,"end":261.85498,"confidence":0.9989193,"punctuated_word":"$250","sentiment":"neutral","sentiment_score":0.1370517611503601},{"word":"as","start":261.85498,"end":262.01498,"confidence":0.9989002,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09010836482048036},{"word":"a","start":262.01498,"end":262.095,"confidence":0.9981117,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10531913489103316},{"word":"regular","start":262.095,"end":262.495,"confidence":0.99975127,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.1334599256515503},{"word":"contribution","start":262.495,"end":262.995,"confidence":0.9654124,"punctuated_word":"contribution.","sentiment":"neutral","sentiment_score":0.08310548961162567},{"word":"so","start":263.215,"end":263.715,"confidence":0.99206245,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11239177733659744},{"word":"i","start":264.095,"end":264.255,"confidence":0.98412377,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1269012987613678},{"word":"think","start":264.255,"end":264.495,"confidence":0.99783117,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.1165352463722229},{"word":"the","start":264.495,"end":264.57498,"confidence":0.9947155,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13472627103328705},{"word":"total","start":264.57498,"end":264.895,"confidence":0.99940324,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.16472123563289642},{"word":"contribution","start":264.895,"end":265.395,"confidence":0.999632,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.11410753428936005},{"word":"is","start":266.175,"end":266.415,"confidence":0.9932239,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09932637214660645},{"word":"whatever","start":266.415,"end":266.735,"confidence":0.5878229,"punctuated_word":"whatever,","sentiment":"neutral","sentiment_score":0.10206329077482224},{"word":"13,000","start":266.735,"end":267.48,"confidence":0.8259666,"punctuated_word":"13,000,","sentiment":"neutral","sentiment_score":0.09043839573860168},{"word":"sorry","start":267.80002,"end":268.04,"confidence":0.75030255,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":0.07881481200456619},{"word":"$12,007.50","start":268.04,"end":269.5,"confidence":0.8987682,"punctuated_word":"$12,007.50.","sentiment":"neutral","sentiment_score":0.084834985435009},{"word":"now","start":271.40002,"end":271.56,"confidence":0.7935312,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.03489876165986061},{"word":"tell","start":271.56,"end":271.80002,"confidence":0.8767505,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.0264250710606575},{"word":"me","start":271.80002,"end":272.30002,"confidence":0.9984806,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.03898439183831215},{"word":"a","start":273.32,"end":273.48,"confidence":0.32990196,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02463214471936226},{"word":"couple","start":273.48,"end":273.98,"confidence":0.98608255,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.01583128422498703},{"word":"a","start":274.04,"end":274.12003,"confidence":0.55675286,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015640683472156525},{"word":"couple","start":274.12003,"end":274.36002,"confidence":0.99926776,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.01174231618642807},{"word":"of","start":274.36002,"end":274.52002,"confidence":0.99689984,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.010196160525083542},{"word":"scenarios","start":274.52002,"end":275.0,"confidence":0.874626,"punctuated_word":"scenarios.","sentiment":"neutral","sentiment_score":0.014693614095449448},{"word":"right","start":275.0,"end":275.32,"confidence":0.981629,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.025530949234962463},{"word":"if","start":275.32,"end":275.40002,"confidence":0.9978009,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.013444969430565834},{"word":"i","start":275.40002,"end":275.90002,"confidence":0.99837047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.011704986914992332},{"word":"if","start":277.24002,"end":277.32,"confidence":0.7519076,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.020755941048264503},{"word":"i","start":277.32,"end":277.48,"confidence":0.9985934,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.005825318396091461},{"word":"don't","start":277.48,"end":277.80002,"confidence":0.99985516,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.025866320356726646},{"word":"make","start":277.80002,"end":278.2,"confidence":0.9993938,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.03823118656873703},{"word":"the","start":278.2,"end":278.7,"confidence":0.98124766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.044555723667144775},{"word":"bulk","start":280.405,"end":280.64502,"confidence":0.98067343,"punctuated_word":"bulk","sentiment":"neutral","sentiment_score":-0.01995996385812759},{"word":"contribution","start":280.64502,"end":281.14502,"confidence":0.9998518,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.012364000082015991},{"word":"now","start":281.285,"end":281.685,"confidence":0.99963105,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.04009481891989708},{"word":"and","start":281.685,"end":281.92502,"confidence":0.8441696,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0030128471553325653},{"word":"i","start":281.92502,"end":282.085,"confidence":0.9998306,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.013104774057865145},{"word":"continue","start":282.085,"end":282.405,"confidence":0.9996007,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":0.041926294565200806},{"word":"with","start":282.405,"end":282.64502,"confidence":0.9994098,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.044484201818704605},{"word":"this","start":282.64502,"end":282.805,"confidence":0.99833006,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.05953259766101837},{"word":"plan","start":282.805,"end":283.305,"confidence":0.9940792,"punctuated_word":"plan,","sentiment":"neutral","sentiment_score":0.04114732518792152},{"word":"next","start":283.445,"end":283.765,"confidence":0.9480463,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.029194211587309837},{"word":"year's","start":283.765,"end":284.265,"confidence":0.9954213,"punctuated_word":"year's","sentiment":"neutral","sentiment_score":0.07591171562671661},{"word":"max","start":285.125,"end":285.525,"confidence":0.9697369,"punctuated_word":"max","sentiment":"neutral","sentiment_score":0.09510699659585951},{"word":"investment","start":285.525,"end":286.005,"confidence":0.9997352,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.05302055552601814},{"word":"i","start":286.005,"end":286.085,"confidence":0.9612702,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08633030951023102},{"word":"can","start":286.085,"end":286.165,"confidence":0.999941,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08950023353099823},{"word":"do","start":286.165,"end":286.405,"confidence":0.99986327,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08041246980428696},{"word":"is","start":286.405,"end":286.565,"confidence":0.9994236,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06366992741823196},{"word":"125%","start":286.565,"end":287.525,"confidence":0.9941218,"punctuated_word":"125%","sentiment":"neutral","sentiment_score":0.08173232525587082},{"word":"of","start":287.525,"end":287.685,"confidence":0.6061751,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0799361914396286},{"word":"the","start":287.685,"end":287.92502,"confidence":0.5858515,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0647895485162735},{"word":"$12,007.50","start":287.92502,"end":289.305,"confidence":0.99318266,"punctuated_word":"$12,007.50.","sentiment":"neutral","sentiment_score":0.06370457261800766},{"word":"is","start":289.685,"end":289.845,"confidence":0.998386,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.08717483282089233},{"word":"that","start":289.845,"end":290.085,"confidence":0.9991779,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12759722769260406},{"word":"correct","start":290.085,"end":290.565,"confidence":0.9998762,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.11395511031150818},{"word":"okay","start":290.565,"end":291.065,"confidence":0.9919508,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1159038245677948},{"word":"yep","start":291.685,"end":292.02,"confidence":0.8292631,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2122882604598999},{"word":"if","start":292.5,"end":292.81998,"confidence":0.9900837,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.26074808835983276},{"word":"i","start":292.81998,"end":293.13998,"confidence":0.99972564,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20843325555324552},{"word":"do","start":293.13998,"end":293.37997,"confidence":0.9979796,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2182311713695526},{"word":"make","start":293.37997,"end":293.62,"confidence":0.9994929,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.17148785293102264},{"word":"a","start":293.62,"end":293.78,"confidence":0.99926406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1914648413658142},{"word":"bulk","start":293.78,"end":294.09998,"confidence":0.9895588,"punctuated_word":"bulk","sentiment":"neutral","sentiment_score":0.15646065771579742},{"word":"contribution","start":294.09998,"end":294.59998,"confidence":0.7837654,"punctuated_word":"contribution,","sentiment":"neutral","sentiment_score":0.18362045288085935},{"word":"let's","start":294.66,"end":294.9,"confidence":0.99914765,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.1728108823299408},{"word":"say","start":294.9,"end":295.06,"confidence":0.99949706,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.1600068062543869},{"word":"i","start":295.06,"end":295.13998,"confidence":0.7574767,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16015532612800598},{"word":"make","start":295.13998,"end":295.25998,"confidence":0.9981623,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.126382514834404},{"word":"a","start":295.25998,"end":295.37997,"confidence":0.9985897,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15108254551887512},{"word":"bulk","start":295.37997,"end":295.69998,"confidence":0.998243,"punctuated_word":"bulk","sentiment":"neutral","sentiment_score":0.12006913870573044},{"word":"contribution","start":295.69998,"end":296.09998,"confidence":0.99924266,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.13496480882167816},{"word":"of","start":296.09998,"end":296.25998,"confidence":0.9992933,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15477663278579712},{"word":"$10,000","start":296.25998,"end":297.13998,"confidence":0.99965227,"punctuated_word":"$10,000","sentiment":"neutral","sentiment_score":0.22178024053573608},{"word":"now","start":297.13998,"end":297.63998,"confidence":0.9612522,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.20316772162914276},{"word":"which","start":298.09998,"end":298.34,"confidence":0.61549354,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.2239297330379486},{"word":"will","start":298.34,"end":298.5,"confidence":0.9995197,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.16590115427970886},{"word":"take","start":298.5,"end":298.81998,"confidence":0.9998816,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.2067580074071884},{"word":"the","start":298.81998,"end":298.97998,"confidence":0.9996557,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18367138504981995},{"word":"inflow","start":298.97998,"end":299.46,"confidence":0.9846692,"punctuated_word":"inflow","sentiment":"neutral","sentiment_score":0.20509687066078183},{"word":"of","start":299.46,"end":299.53998,"confidence":0.9993155,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17009174823760986},{"word":"the","start":299.53998,"end":299.69998,"confidence":0.9997063,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18171602487564087},{"word":"current","start":299.69998,"end":300.02,"confidence":0.98237383,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.1962394118309021},{"word":"year","start":300.02,"end":300.41998,"confidence":0.97014654,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.16101354360580444},{"word":"to","start":300.41998,"end":300.65997,"confidence":0.8737865,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1591877639293671},{"word":"$22,750","start":300.65997,"end":303.24,"confidence":0.9257872,"punctuated_word":"$22,750,","sentiment":"neutral","sentiment_score":0.17629028856754303},{"word":"so","start":304.09998,"end":304.34,"confidence":0.99604505,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.11266874521970748},{"word":"the","start":304.34,"end":304.5,"confidence":0.9985146,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1321459263563156},{"word":"125%","start":304.5,"end":305.62,"confidence":0.9957048,"punctuated_word":"125%","sentiment":"neutral","sentiment_score":0.1262989640235901},{"word":"will","start":305.62,"end":305.86,"confidence":0.99956506,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.14232854545116425},{"word":"be","start":305.86,"end":306.09998,"confidence":0.9996555,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.13600100576877594},{"word":"of","start":306.09998,"end":306.435,"confidence":0.96318185,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09162704646587372},{"word":"twenty","start":306.755,"end":307.075,"confidence":0.9989631,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.11219970136880876},{"word":"two","start":307.075,"end":307.315,"confidence":0.9976816,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.09102161228656767},{"word":"thousand","start":307.315,"end":307.635,"confidence":0.99900454,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.09812647849321364},{"word":"seven","start":307.635,"end":307.955,"confidence":0.95772827,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.0962579995393753},{"word":"fifty","start":307.955,"end":308.115,"confidence":0.99403316,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.08592624962329865},{"word":"or","start":308.115,"end":308.355,"confidence":0.9830595,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08504757285118103},{"word":"$12,007.50","start":308.355,"end":309.735,"confidence":0.9501632,"punctuated_word":"$12,007.50?","sentiment":"neutral","sentiment_score":0.07412710040807724},{"word":"'20","start":311.155,"end":311.555,"confidence":0.68296134,"punctuated_word":"'20","sentiment":"neutral","sentiment_score":0.02134329453110695},{"word":"two","start":311.555,"end":312.055,"confidence":0.9582489,"punctuated_word":"two.","sentiment":"neutral","sentiment_score":0.024711117148399353},{"word":"okay","start":312.51498,"end":313.01498,"confidence":0.92460036,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0612378865480423},{"word":"but","start":313.075,"end":313.475,"confidence":0.9908997,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.011452630162239076},{"word":"i","start":313.475,"end":313.635,"confidence":0.9980952,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01792236417531967},{"word":"don't","start":313.635,"end":313.875,"confidence":0.9999671,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.04991336166858673},{"word":"have","start":313.875,"end":314.035,"confidence":0.9995432,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0542997270822525},{"word":"to","start":314.035,"end":314.195,"confidence":0.9996302,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07190249115228653},{"word":"necessarily","start":314.195,"end":314.695,"confidence":0.99641573,"punctuated_word":"necessarily","sentiment":"neutral","sentiment_score":-0.09236807376146317},{"word":"make","start":315.875,"end":316.375,"confidence":0.9987399,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.07629157602787018},{"word":"125%","start":316.435,"end":317.475,"confidence":0.99753684,"punctuated_word":"125%","sentiment":"neutral","sentiment_score":-0.03886768221855163},{"word":"contribution","start":317.475,"end":317.975,"confidence":0.99960047,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":-0.03831090033054352},{"word":"or","start":318.035,"end":318.195,"confidence":0.97113174,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06098714470863342},{"word":"even","start":318.195,"end":318.435,"confidence":0.9522637,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.012152694165706636},{"word":"100%","start":318.435,"end":318.995,"confidence":0.8934115,"punctuated_word":"100%","sentiment":"neutral","sentiment_score":0.025948889553546906},{"word":"contribution","start":318.995,"end":319.475,"confidence":0.98750514,"punctuated_word":"contribution.","sentiment":"neutral","sentiment_score":-0.05547456443309784},{"word":"i","start":319.475,"end":319.555,"confidence":0.9997075,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07039840519428253},{"word":"can","start":319.555,"end":319.715,"confidence":0.99983823,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.07181161642074585},{"word":"continue","start":319.715,"end":320.115,"confidence":0.9997377,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":-0.07057341933250427},{"word":"doing","start":320.115,"end":320.435,"confidence":0.999603,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.03143063932657242},{"word":"$250","start":320.435,"end":321.42,"confidence":0.9989117,"punctuated_word":"$250","sentiment":"neutral","sentiment_score":-0.021796688437461853},{"word":"as","start":321.66,"end":321.71335,"confidence":0.9976076,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.03600580245256424},{"word":"a","start":321.71335,"end":321.76666,"confidence":0.99796367,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03394545614719391},{"word":"regular","start":321.76666,"end":321.82,"confidence":0.9997632,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.03657680004835129},{"word":"basis","start":321.82,"end":321.90002,"confidence":0.9790513,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":0.026383966207504272},{"word":"yeah","start":321.90002,"end":322.40002,"confidence":0.96251965,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.06490388512611389},{"word":"okay","start":323.34003,"end":323.84003,"confidence":0.994331,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.17889630794525146},{"word":"yep","start":329.02002,"end":329.52002,"confidence":0.77370536,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.025048812851309776},{"word":"okay","start":385.89,"end":386.265,"confidence":0.9374315,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09558849036693572},{"word":"so","start":386.505,"end":386.665,"confidence":0.9891566,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0368209108710289},{"word":"sorry","start":386.665,"end":386.90503,"confidence":0.61706454,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.1180022358894348},{"word":"i","start":386.90503,"end":386.98502,"confidence":0.99849164,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2512180507183075},{"word":"didn't","start":386.98502,"end":387.30502,"confidence":0.99658155,"punctuated_word":"didn't","sentiment":"negative","sentiment_score":-0.3923388421535492},{"word":"understand","start":387.30502,"end":387.70502,"confidence":0.9987968,"punctuated_word":"understand","sentiment":"negative","sentiment_score":-0.3798196613788605},{"word":"one","start":387.70502,"end":387.86502,"confidence":0.9887938,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.10000118613243104},{"word":"point","start":387.86502,"end":388.105,"confidence":0.973089,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":-0.1070900857448578},{"word":"you're","start":388.105,"end":388.345,"confidence":0.966911,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.13152006268501282},{"word":"saying","start":388.345,"end":388.58502,"confidence":0.99965894,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.10799408704042436},{"word":"if","start":388.58502,"end":388.825,"confidence":0.82262045,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.08798134326934814},{"word":"if","start":388.825,"end":389.14502,"confidence":0.9952049,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.09542679786682128},{"word":"in","start":389.14502,"end":389.225,"confidence":0.94413435,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0823739543557167},{"word":"between","start":389.225,"end":389.625,"confidence":0.9997073,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.08624118566513062},{"word":"i","start":389.625,"end":389.785,"confidence":0.7282755,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0681808814406395},{"word":"don't","start":389.785,"end":390.02502,"confidence":0.99995416,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1595780849456787},{"word":"contribute","start":390.02502,"end":390.505,"confidence":0.99984646,"punctuated_word":"contribute","sentiment":"neutral","sentiment_score":-0.17911261320114136},{"word":"for","start":390.505,"end":390.665,"confidence":0.9995704,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.11488911509513856},{"word":"a","start":390.665,"end":390.825,"confidence":0.99893874,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1610930860042572},{"word":"certain","start":390.825,"end":391.14502,"confidence":0.9998597,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":-0.14709840714931488},{"word":"duration","start":391.14502,"end":391.64502,"confidence":0.9839225,"punctuated_word":"duration,","sentiment":"neutral","sentiment_score":-0.1252392679452896},{"word":"it","start":392.42502,"end":392.825,"confidence":0.9962568,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1436811089515686},{"word":"resets","start":392.825,"end":393.325,"confidence":0.9466546,"punctuated_word":"resets.","sentiment":"neutral","sentiment_score":-0.12744422256946564},{"word":"what","start":393.86502,"end":394.105,"confidence":0.9979347,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.17344805598258972},{"word":"does","start":394.105,"end":394.265,"confidence":0.9947102,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.16209302842617035},{"word":"that","start":394.265,"end":394.42502,"confidence":0.99944407,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1091860607266426},{"word":"mean","start":394.42502,"end":394.92502,"confidence":0.99790156,"punctuated_word":"mean?","sentiment":"neutral","sentiment_score":-0.11596797406673431},{"word":"so","start":424.205,"end":424.445,"confidence":0.6040495,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.039680324494838715},{"word":"you","start":424.445,"end":424.605,"confidence":0.9870771,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.008825518190860748},{"word":"made","start":424.605,"end":424.845,"confidence":0.4477425,"punctuated_word":"made","sentiment":"neutral","sentiment_score":-0.006961800158023834},{"word":"zero","start":424.845,"end":425.165,"confidence":0.99915624,"punctuated_word":"zero","sentiment":"neutral","sentiment_score":-0.0093558207154274},{"word":"peak","start":425.165,"end":425.405,"confidence":0.48206273,"punctuated_word":"peak","sentiment":"neutral","sentiment_score":0.031736306846141815},{"word":"this","start":425.405,"end":425.565,"confidence":0.9970446,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.021979041397571564},{"word":"year","start":425.565,"end":425.725,"confidence":0.76025116,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.003987375646829605},{"word":"so","start":425.725,"end":425.885,"confidence":0.99797934,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.008253030478954315},{"word":"the","start":425.885,"end":426.045,"confidence":0.998055,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02407912164926529},{"word":"next","start":426.045,"end":426.285,"confidence":0.99941266,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.010026544332504272},{"word":"year","start":426.285,"end":426.445,"confidence":0.99799,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.012014180421829224},{"word":"is","start":426.445,"end":426.685,"confidence":0.98649967,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.013453178107738497},{"word":"zero","start":426.685,"end":426.925,"confidence":0.9749611,"punctuated_word":"zero","sentiment":"neutral","sentiment_score":0.02446262165904045},{"word":"of","start":426.925,"end":427.165,"confidence":0.9100878,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.016893066465854645},{"word":"01/25","start":427.165,"end":427.89,"confidence":0.9790619,"punctuated_word":"01/25.","sentiment":"neutral","sentiment_score":0.021182414144277573},{"word":"okay","start":430.53003,"end":431.03003,"confidence":0.95824766,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07830826938152313},{"word":"but","start":435.33002,"end":435.57,"confidence":0.9799442,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.05957450345158577},{"word":"then","start":435.57,"end":435.89,"confidence":0.99424183,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.03138357028365135},{"word":"then","start":435.89,"end":436.13,"confidence":0.9705319,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.0613953210413456},{"word":"what","start":436.13,"end":436.29,"confidence":0.9783645,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0908188372850418},{"word":"happens","start":436.29,"end":436.69,"confidence":0.997815,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":-0.07590393722057343},{"word":"the","start":436.69,"end":436.85,"confidence":0.9540378,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06703653931617737},{"word":"year","start":436.85,"end":437.09003,"confidence":0.9978028,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.05002966895699501},{"word":"after","start":437.09003,"end":437.59003,"confidence":0.78348064,"punctuated_word":"after?","sentiment":"neutral","sentiment_score":-0.06285204738378525},{"word":"or","start":437.65002,"end":437.81003,"confidence":0.99325293,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.051551081240177155},{"word":"or","start":437.81003,"end":438.31003,"confidence":0.967068,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04710261896252632},{"word":"what's","start":438.37003,"end":438.77002,"confidence":0.9660491,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.059845536947250366},{"word":"the","start":438.77002,"end":438.93002,"confidence":0.99557674,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05226636305451393},{"word":"how","start":439.17,"end":439.41,"confidence":0.9970386,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.023111511021852493},{"word":"do","start":439.41,"end":439.57,"confidence":0.9843656,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.015399377793073654},{"word":"how","start":439.57,"end":439.73,"confidence":0.9892314,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.007889635860919952},{"word":"do","start":439.73,"end":439.89,"confidence":0.9987369,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.03312838822603226},{"word":"i","start":439.89,"end":440.05002,"confidence":0.99850696,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.028884515166282657},{"word":"get","start":440.05002,"end":440.21002,"confidence":0.9993574,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.033677756786346436},{"word":"back","start":440.21002,"end":440.37003,"confidence":0.9954117,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.022822611033916473},{"word":"to","start":440.37003,"end":440.53003,"confidence":0.90389496,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02903437241911888},{"word":"$250","start":440.53003,"end":441.285,"confidence":0.8853205,"punctuated_word":"$250","sentiment":"neutral","sentiment_score":0.0024873539805412292},{"word":"after","start":441.285,"end":441.525,"confidence":0.99767166,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.023345395922660828},{"word":"that","start":441.525,"end":442.025,"confidence":0.99879885,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.009455502033233644},{"word":"per","start":442.245,"end":442.565,"confidence":0.9257049,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.005502134561538696},{"word":"per","start":442.565,"end":442.815,"confidence":0.9805849,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.0004794895648956299},{"word":"month","start":442.815,"end":443.315,"confidence":0.99473256,"punctuated_word":"month?","sentiment":"neutral","sentiment_score":-0.012913285754621027},{"word":"reset","start":457.86002,"end":458.34,"confidence":0.98555,"punctuated_word":"Reset","sentiment":"neutral","sentiment_score":0.01357567310333252},{"word":"the","start":458.34,"end":458.5,"confidence":0.9870547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.009771846234798431},{"word":"time","start":458.5,"end":458.74002,"confidence":0.9267485,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.02586016058921814},{"word":"frame","start":458.74002,"end":458.9,"confidence":0.9886577,"punctuated_word":"frame.","sentiment":"neutral","sentiment_score":-0.010724462568759918},{"word":"so","start":458.9,"end":459.06,"confidence":0.99502796,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02132508158683777},{"word":"did","start":459.06,"end":459.38,"confidence":0.68745416,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.045573338866233826},{"word":"all","start":459.38,"end":459.54,"confidence":0.6762778,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.012968376278877258},{"word":"my","start":459.54,"end":459.7,"confidence":0.9912281,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.017347551882267},{"word":"investments","start":459.7,"end":460.18,"confidence":0.7896844,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.08830273896455765},{"word":"become","start":460.18,"end":460.42,"confidence":0.95516294,"punctuated_word":"become","sentiment":"neutral","sentiment_score":-0.06357114017009735},{"word":"zero","start":460.42,"end":460.66,"confidence":0.8361133,"punctuated_word":"zero,","sentiment":"neutral","sentiment_score":-0.03473246470093727},{"word":"is","start":460.66,"end":460.82,"confidence":0.9905455,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.033501457422971725},{"word":"it","start":460.82,"end":460.98,"confidence":0.9305428,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.040570273995399475},{"word":"as","start":460.98,"end":461.14,"confidence":0.86270493,"punctuated_word":"As","sentiment":"neutral","sentiment_score":-0.06485152244567871},{"word":"in","start":461.14,"end":461.30002,"confidence":0.9924752,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04910942167043686},{"word":"all","start":461.30002,"end":461.46002,"confidence":0.9068398,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.04061879962682724},{"word":"my","start":461.46002,"end":461.7,"confidence":0.9865754,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.0662674754858017},{"word":"all","start":461.7,"end":462.02002,"confidence":0.94962585,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.05544842779636383},{"word":"my","start":462.02002,"end":462.18,"confidence":0.9976936,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.0908193588256836},{"word":"gains","start":462.18,"end":462.5,"confidence":0.96856785,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":-0.0567188486456871},{"word":"become","start":462.5,"end":462.74002,"confidence":0.9738297,"punctuated_word":"become","sentiment":"neutral","sentiment_score":-0.059599097818136215},{"word":"zero","start":462.74002,"end":463.06,"confidence":0.90899324,"punctuated_word":"zero?","sentiment":"neutral","sentiment_score":-0.049095120280981064},{"word":"is","start":463.06,"end":463.22,"confidence":0.9881813,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.05604115501046181},{"word":"that","start":463.22,"end":463.38,"confidence":0.9968773,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06677267700433731},{"word":"what","start":463.38,"end":463.54,"confidence":0.9917796,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.08460085839033127},{"word":"you're","start":463.54,"end":463.7,"confidence":0.70215756,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.0823824405670166},{"word":"saying","start":463.7,"end":464.2,"confidence":0.9455602,"punctuated_word":"saying?","sentiment":"neutral","sentiment_score":-0.12606020271778107},{"word":"yeah","start":489.37,"end":489.87,"confidence":0.8933511,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12066616117954254},{"word":"so","start":500.425,"end":500.665,"confidence":0.993543,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.11431830376386642},{"word":"the","start":500.665,"end":500.825,"confidence":0.99833566,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.25431907176971436},{"word":"first","start":500.825,"end":501.065,"confidence":0.9996953,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.31603601574897766},{"word":"five","start":501.065,"end":501.305,"confidence":0.9990771,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.2211672067642212},{"word":"years","start":501.305,"end":501.805,"confidence":0.9996593,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.2192244976758957},{"word":"first","start":501.865,"end":502.105,"confidence":0.921625,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.2698570191860199},{"word":"five","start":502.105,"end":502.345,"confidence":0.9997378,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.1840571165084839},{"word":"years","start":502.345,"end":502.585,"confidence":0.99968326,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.1962377429008484},{"word":"doesn't","start":502.585,"end":502.825,"confidence":0.99825054,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.25009626150131226},{"word":"become","start":502.825,"end":503.145,"confidence":0.99966383,"punctuated_word":"become","sentiment":"neutral","sentiment_score":-0.2277544140815735},{"word":"tax","start":503.145,"end":503.385,"confidence":0.9992828,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.26716724038124084},{"word":"free","start":503.385,"end":503.625,"confidence":0.89115894,"punctuated_word":"free.","sentiment":"neutral","sentiment_score":-0.24070878326892853},{"word":"is","start":503.625,"end":503.785,"confidence":0.99916756,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.09747622907161713},{"word":"that","start":503.785,"end":503.945,"confidence":0.9995721,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07144275307655334},{"word":"what","start":503.945,"end":504.105,"confidence":0.9973748,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.10776281356811523},{"word":"you","start":504.105,"end":504.185,"confidence":0.88666433,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09601622074842452},{"word":"mean","start":504.185,"end":504.685,"confidence":0.9943962,"punctuated_word":"mean?","sentiment":"neutral","sentiment_score":-0.08204676955938339},{"word":"right","start":510.72,"end":511.22,"confidence":0.99520916,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.0037547266110777855},{"word":"okay","start":512.72,"end":513.22,"confidence":0.9953784,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.13220258057117462},{"word":"yeah","start":526.33496,"end":526.83496,"confidence":0.842693,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09064141660928726},{"word":"yeah","start":533.8,"end":534.04,"confidence":0.9403838,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.024613231420516968},{"word":"yeah","start":534.04,"end":534.54,"confidence":0.7912445,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.028454536572098732},{"word":"yeah","start":542.44,"end":542.94,"confidence":0.99724317,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1450454592704773},{"word":"yeah","start":543.0,"end":543.16,"confidence":0.8658929,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12536554038524628},{"word":"it's","start":543.16,"end":543.39996,"confidence":0.9906919,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.08435510843992233},{"word":"better","start":543.39996,"end":543.72,"confidence":0.9966449,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.05739925801753998},{"word":"to","start":543.72,"end":543.8,"confidence":0.9969261,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12925401329994202},{"word":"continue","start":543.8,"end":544.3,"confidence":0.9472455,"punctuated_word":"continue.","sentiment":"neutral","sentiment_score":0.23930400609970093},{"word":"that's","start":544.52,"end":544.76,"confidence":0.94826627,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.15227454900741577},{"word":"what","start":544.76,"end":544.92,"confidence":0.7486508,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1594146490097046},{"word":"that's","start":545.0,"end":545.24,"confidence":0.98529935,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.13879455626010895},{"word":"the","start":545.24,"end":545.39996,"confidence":0.6271407,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10078413784503935},{"word":"summary","start":545.39996,"end":545.89996,"confidence":0.99626064,"punctuated_word":"summary.","sentiment":"neutral","sentiment_score":0.12066398561000824},{"word":"and","start":546.005,"end":546.165,"confidence":0.99761486,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03331452235579491},{"word":"what","start":546.165,"end":546.325,"confidence":0.99775666,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.011812210083007812},{"word":"what","start":546.325,"end":546.40497,"confidence":0.9515903,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.02605540119111538},{"word":"if","start":546.40497,"end":546.725,"confidence":0.6706747,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0011791437864303589},{"word":"the","start":546.725,"end":546.885,"confidence":0.998035,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0018712319433689115},{"word":"amount","start":546.885,"end":547.285,"confidence":0.99728847,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.001652851700782776},{"word":"decreases","start":547.285,"end":547.765,"confidence":0.9601574,"punctuated_word":"decreases?","sentiment":"neutral","sentiment_score":0.006281367503106594},{"word":"so","start":547.765,"end":548.005,"confidence":0.9988788,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.007743775844573975},{"word":"let's","start":548.005,"end":548.165,"confidence":0.95368326,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.023318402469158173},{"word":"say","start":548.165,"end":548.245,"confidence":0.99781823,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.02759852632880211},{"word":"instead","start":548.245,"end":548.565,"confidence":0.54649997,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.027761097997426987},{"word":"of","start":548.565,"end":548.725,"confidence":0.9974726,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.030435819178819656},{"word":"$2.50","start":548.725,"end":549.385,"confidence":0.97371304,"punctuated_word":"$2.50,","sentiment":"neutral","sentiment_score":0.030172843486070633},{"word":"let's","start":550.005,"end":550.245,"confidence":0.9992316,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.0626605898141861},{"word":"say","start":550.245,"end":550.485,"confidence":0.99968004,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.05950263887643814},{"word":"for","start":550.485,"end":550.725,"confidence":0.8807168,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05922757834196091},{"word":"a","start":550.725,"end":550.805,"confidence":0.998841,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05475359037518501},{"word":"year","start":550.805,"end":551.125,"confidence":0.8622687,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.05474642664194107},{"word":"i","start":551.125,"end":551.365,"confidence":0.9994873,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08284512162208557},{"word":"just","start":551.365,"end":551.605,"confidence":0.99967897,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08445943146944046},{"word":"want","start":551.605,"end":551.845,"confidence":0.89578354,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.07554343342781067},{"word":"to","start":551.845,"end":551.925,"confidence":0.9962954,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10215383768081664},{"word":"bring","start":551.925,"end":552.08496,"confidence":0.99785835,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.10858165472745895},{"word":"it","start":552.08496,"end":552.245,"confidence":0.98913723,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07069563865661621},{"word":"down","start":552.245,"end":552.40497,"confidence":0.992054,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.09865544736385344},{"word":"to","start":552.40497,"end":552.565,"confidence":0.99746466,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09254760295152664},{"word":"$200","start":552.565,"end":553.545,"confidence":0.9098362,"punctuated_word":"$200.","sentiment":"neutral","sentiment_score":0.08703923225402832},{"word":"does","start":554.245,"end":554.485,"confidence":0.995161,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":-0.007807925343513489},{"word":"that","start":554.485,"end":554.805,"confidence":0.99932337,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.027583949267864227},{"word":"impact","start":554.805,"end":555.305,"confidence":0.9993309,"punctuated_word":"impact","sentiment":"neutral","sentiment_score":0.020214438438415527},{"word":"as","start":556.005,"end":556.245,"confidence":0.9916713,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.006828784942626953},{"word":"well","start":556.245,"end":556.485,"confidence":0.99938834,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.00795329362154007},{"word":"or","start":556.485,"end":556.64496,"confidence":0.64935035,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0440882220864296},{"word":"does","start":556.64496,"end":556.885,"confidence":0.99291927,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.036734722554683685},{"word":"it","start":557.045,"end":557.125,"confidence":0.58813506,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.025743532925844193},{"word":"doesn't","start":557.125,"end":557.52496,"confidence":0.9994309,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.04529747366905213},{"word":"impact","start":557.52496,"end":558.02496,"confidence":0.9941201,"punctuated_word":"impact?","sentiment":"neutral","sentiment_score":-0.02800941467285156},{"word":"it","start":559.685,"end":559.845,"confidence":0.900843,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.11431907117366792},{"word":"does","start":559.845,"end":560.16,"confidence":0.96272457,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":0.10580232739448547},{"word":"yeah","start":587.97504,"end":588.215,"confidence":0.8667088,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07221866399049759},{"word":"just","start":588.215,"end":588.53503,"confidence":0.8648221,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.06862719357013702},{"word":"just","start":588.53503,"end":588.775,"confidence":0.91461337,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06077783554792404},{"word":"the","start":588.775,"end":588.85504,"confidence":0.82669204,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05904815346002579},{"word":"one","start":588.85504,"end":589.09503,"confidence":0.997106,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06440998613834381},{"word":"25%","start":589.09503,"end":589.73505,"confidence":0.9566593,"punctuated_word":"25%","sentiment":"neutral","sentiment_score":0.06772848963737488},{"word":"changes","start":589.73505,"end":590.23505,"confidence":0.9741966,"punctuated_word":"changes.","sentiment":"neutral","sentiment_score":0.05475073307752609},{"word":"that's","start":590.61505,"end":590.88,"confidence":0.9946338,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.11303344368934631},{"word":"it","start":590.88,"end":591.12,"confidence":0.9931383,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.11602330207824708},{"word":"right","start":591.12,"end":591.52,"confidence":0.9932009,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.08446292579174042},{"word":"but","start":591.52,"end":591.76,"confidence":0.99276006,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03873468190431595},{"word":"it","start":591.76,"end":591.84,"confidence":0.9977964,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.004933983087539673},{"word":"doesn't","start":591.84,"end":592.16003,"confidence":0.9991292,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.031073352321982384},{"word":"it","start":592.16003,"end":592.32,"confidence":0.98737967,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.033830974251031876},{"word":"doesn't","start":592.32,"end":592.72003,"confidence":0.99966085,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.0518139973282814},{"word":"impact","start":592.72003,"end":593.22003,"confidence":0.98845917,"punctuated_word":"impact","sentiment":"neutral","sentiment_score":-0.051721807569265366},{"word":"it","start":593.28,"end":593.52,"confidence":0.94004035,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03463747724890709},{"word":"doesn't","start":593.52,"end":593.84,"confidence":0.9998938,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.05895964801311493},{"word":"impact","start":593.84,"end":594.16003,"confidence":0.9988955,"punctuated_word":"impact","sentiment":"neutral","sentiment_score":-0.10277556627988815},{"word":"previously","start":594.16003,"end":594.64,"confidence":0.95820254,"punctuated_word":"previously","sentiment":"neutral","sentiment_score":-0.09907112270593645},{"word":"like","start":594.64,"end":594.8,"confidence":0.44761133,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.11317726969718932},{"word":"it","start":594.8,"end":595.04,"confidence":0.9678435,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08532914519309998},{"word":"reset","start":595.04,"end":595.54,"confidence":0.9912901,"punctuated_word":"reset","sentiment":"neutral","sentiment_score":-0.09978820383548737},{"word":"the","start":596.08,"end":596.56,"confidence":0.9861596,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1355649083852768},{"word":"okay","start":597.04,"end":597.54,"confidence":0.9935296,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.01669180765748024},{"word":"okay","start":604.48,"end":604.905,"confidence":0.9850024,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.13714538514614105},{"word":"yeah","start":612.66504,"end":613.065,"confidence":0.9330478,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17714223265647888},{"word":"got","start":613.065,"end":613.565,"confidence":0.9904421,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.16402769088745117},{"word":"it","start":615.145,"end":615.645,"confidence":0.9971497,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.01801585592329502},{"word":"got","start":617.22504,"end":617.465,"confidence":0.98759437,"punctuated_word":"Got","sentiment":"positive","sentiment_score":0.4219777286052704},{"word":"it","start":617.465,"end":617.625,"confidence":0.99661446,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.3825300335884094},{"word":"so","start":617.625,"end":617.705,"confidence":0.9893867,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04184725880622864},{"word":"it","start":617.705,"end":618.03,"confidence":0.9695146,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.017987556755542755},{"word":"should","start":618.11005,"end":618.27,"confidence":0.9993635,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.0017668195068836212},{"word":"not","start":618.27,"end":618.43005,"confidence":0.9984224,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.02161051705479622},{"word":"ideally","start":618.43005,"end":618.83,"confidence":0.6165062,"punctuated_word":"ideally","sentiment":"neutral","sentiment_score":-0.047413043677806854},{"word":"be","start":618.83,"end":618.99005,"confidence":0.98054767,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.019068937748670575},{"word":"zero","start":618.99005,"end":619.49005,"confidence":0.9994568,"punctuated_word":"zero","sentiment":"neutral","sentiment_score":-0.003529414534568786},{"word":"is","start":619.63,"end":619.87006,"confidence":0.55052686,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.014601945877075195},{"word":"what","start":619.87006,"end":620.03,"confidence":0.9994562,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.01586567610502243},{"word":"i","start":620.03,"end":620.11005,"confidence":0.99657804,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.006022166460752487},{"word":"understand","start":620.11005,"end":620.51,"confidence":0.99392045,"punctuated_word":"understand.","sentiment":"neutral","sentiment_score":-0.01912778429687023},{"word":"if","start":620.51,"end":620.67004,"confidence":0.9630832,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.010633323341608047},{"word":"it","start":620.67004,"end":620.75,"confidence":0.9903092,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.007936608046293259},{"word":"becomes","start":620.75,"end":621.15,"confidence":0.90107954,"punctuated_word":"becomes","sentiment":"neutral","sentiment_score":-0.0038608163595199585},{"word":"zero","start":621.15,"end":621.47003,"confidence":0.88943803,"punctuated_word":"zero,","sentiment":"neutral","sentiment_score":-0.00552756292745471},{"word":"then","start":621.47003,"end":621.79004,"confidence":0.99926275,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.003559956327080726},{"word":"it","start":621.79004,"end":622.03,"confidence":0.99860615,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.003603091463446617},{"word":"resets","start":622.03,"end":622.53,"confidence":0.8436289,"punctuated_word":"resets.","sentiment":"neutral","sentiment_score":-0.003283842233940959},{"word":"but","start":622.59,"end":622.83,"confidence":0.999185,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.003938709385693073},{"word":"it","start":622.83,"end":622.91003,"confidence":0.9990362,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.009100040420889854},{"word":"can","start":622.91003,"end":623.15,"confidence":0.9998172,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0107401255518198},{"word":"be","start":623.15,"end":623.31006,"confidence":0.99905044,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.00918455421924591},{"word":"anywhere","start":623.31006,"end":623.71,"confidence":0.99926394,"punctuated_word":"anywhere","sentiment":"neutral","sentiment_score":0.022413786500692368},{"word":"between","start":623.71,"end":624.19,"confidence":0.9994766,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.01898886635899544},{"word":"zero","start":624.19,"end":624.69,"confidence":0.999587,"punctuated_word":"zero","sentiment":"neutral","sentiment_score":0.017373856157064438},{"word":"or","start":624.75,"end":624.99005,"confidence":0.9442583,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.019115068018436432},{"word":"$1","start":624.99005,"end":625.55005,"confidence":0.9978802,"punctuated_word":"$1","sentiment":"neutral","sentiment_score":0.01941038854420185},{"word":"to","start":625.55005,"end":625.79004,"confidence":0.9857863,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.023404806852340695},{"word":"the","start":625.79004,"end":625.87006,"confidence":0.9957795,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.028645848855376244},{"word":"$1.25","start":625.87006,"end":626.59,"confidence":0.99763167,"punctuated_word":"$1.25","sentiment":"neutral","sentiment_score":0.027268309146165848},{"word":"percent","start":626.59,"end":626.91003,"confidence":0.99769586,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":0.07878553867340088},{"word":"of","start":626.91003,"end":627.07,"confidence":0.998268,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09928567707538603},{"word":"that","start":627.07,"end":627.31006,"confidence":0.9988348,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1591058075428009},{"word":"amount","start":627.31006,"end":627.81006,"confidence":0.99518836,"punctuated_word":"amount.","sentiment":"neutral","sentiment_score":0.11338438093662262},{"word":"right","start":627.87006,"end":628.37006,"confidence":0.96653485,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.11251747608184814},{"word":"okay","start":628.67004,"end":628.99005,"confidence":0.99003524,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.14591488242149353},{"word":"okay","start":628.99005,"end":629.31006,"confidence":0.9929898,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.16965052485466003},{"word":"then","start":629.31006,"end":629.55005,"confidence":0.9965605,"punctuated_word":"Then","sentiment":"neutral","sentiment_score":0.17156510055065155},{"word":"then","start":629.55005,"end":629.79004,"confidence":0.99059415,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.15897314250469208},{"word":"there","start":629.79004,"end":629.95,"confidence":0.9892897,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.21579287946224213},{"word":"are","start":629.95,"end":630.11005,"confidence":0.99635303,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.25750306248664856},{"word":"no","start":630.11005,"end":630.27,"confidence":0.9992488,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.2193448096513748},{"word":"issues","start":630.27,"end":630.59,"confidence":0.9915291,"punctuated_word":"issues","sentiment":"neutral","sentiment_score":0.18414342403411865},{"word":"in","start":630.59,"end":630.75,"confidence":0.9959323,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2193947285413742},{"word":"that","start":630.75,"end":630.99005,"confidence":0.99778086,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31273457407951355},{"word":"sense","start":630.99005,"end":631.245,"confidence":0.98859453,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.23629766702651975},{"word":"okay","start":631.485,"end":631.985,"confidence":0.99693465,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07964837551116943},{"word":"got","start":632.605,"end":632.845,"confidence":0.99293077,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.13762158155441284},{"word":"it","start":632.845,"end":633.345,"confidence":0.9807624,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.2594471573829651},{"word":"got","start":659.64,"end":659.8,"confidence":0.5828562,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.08961720764636993},{"word":"it","start":659.8,"end":660.045,"confidence":0.9956498,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.2004792094230652},{"word":"got","start":660.605,"end":661.105,"confidence":0.9340106,"punctuated_word":"Got","sentiment":"positive","sentiment_score":0.3601475954055786},{"word":"it","start":664.52496,"end":665.02496,"confidence":0.9910017,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.22404628992080688},{"word":"yep","start":669.165,"end":669.665,"confidence":0.7546214,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08534817397594452},{"word":"yep","start":673.005,"end":673.505,"confidence":0.9398914,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05938940495252609},{"word":"yep","start":674.845,"end":675.345,"confidence":0.8744433,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07102490961551666},{"word":"got","start":675.47003,"end":675.55,"confidence":0.97622764,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.14523856341838837},{"word":"it","start":675.55,"end":675.63,"confidence":0.9944602,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.11484605073928832},{"word":"got","start":675.63,"end":676.13,"confidence":0.9818299,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.13265612721443176},{"word":"it","start":676.15,"end":676.65,"confidence":0.999473,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.12626168131828308},{"word":"okay","start":676.67004,"end":677.17004,"confidence":0.9932618,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08124212920665741},{"word":"yeah","start":678.59,"end":678.83,"confidence":0.9420487,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.012833471409976482},{"word":"yeah","start":678.83,"end":678.99,"confidence":0.85724354,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.002100580371916294},{"word":"no","start":678.99,"end":679.15,"confidence":0.93452215,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.03552243858575821},{"word":"i","start":679.15,"end":679.23004,"confidence":0.99841475,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03024754486978054},{"word":"think","start":679.23004,"end":679.39,"confidence":0.999191,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.02482743002474308},{"word":"it","start":679.39,"end":679.55,"confidence":0.96856153,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.01564878225326538},{"word":"answers","start":679.55,"end":679.95,"confidence":0.67713284,"punctuated_word":"answers.","sentiment":"neutral","sentiment_score":-0.03716752678155899},{"word":"look","start":679.95,"end":680.19,"confidence":0.8000648,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":-0.008032361045479774},{"word":"i","start":680.19,"end":680.27,"confidence":0.9995065,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.026967370882630348},{"word":"think","start":680.27,"end":680.43,"confidence":0.9997757,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.0241023488342762},{"word":"i","start":680.43,"end":680.91003,"confidence":0.9734421,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.027642514556646347},{"word":"one","start":681.23004,"end":681.47003,"confidence":0.9960628,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.03354152292013168},{"word":"year","start":681.47003,"end":681.71,"confidence":0.99969006,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.02619219571352005},{"word":"ago","start":681.71,"end":681.87,"confidence":0.99881434,"punctuated_word":"ago","sentiment":"neutral","sentiment_score":-0.01649254932999611},{"word":"when","start":681.87,"end":682.11,"confidence":0.56660885,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.013349048793315887},{"word":"i","start":682.11,"end":682.19,"confidence":0.9984894,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01218256726861},{"word":"set","start":682.19,"end":682.43,"confidence":0.98543394,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.005069740116596222},{"word":"all","start":682.43,"end":682.59,"confidence":0.9977259,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.004730392247438431},{"word":"this","start":682.59,"end":682.75,"confidence":0.9377263,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.0034144148230552673},{"word":"up","start":682.75,"end":682.91003,"confidence":0.9761467,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.001950346864759922},{"word":"i","start":682.91003,"end":683.23004,"confidence":0.99949324,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.009973833337426186},{"word":"probably","start":683.23004,"end":683.71,"confidence":0.9939738,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.03455224260687828},{"word":"did","start":683.71,"end":684.03,"confidence":0.9909021,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.012847159057855606},{"word":"get","start":684.03,"end":684.19,"confidence":0.999428,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.017894629389047623},{"word":"all","start":684.19,"end":684.27,"confidence":0.9993406,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.025436189025640488},{"word":"these","start":684.27,"end":684.51,"confidence":0.9128866,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.02211286500096321},{"word":"answer","start":684.51,"end":684.75,"confidence":0.5433617,"punctuated_word":"answer,","sentiment":"neutral","sentiment_score":-0.02620086818933487},{"word":"but","start":684.75,"end":684.91003,"confidence":0.96768624,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.04590065777301788},{"word":"you","start":684.91003,"end":685.07,"confidence":0.99951386,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.045611459761857986},{"word":"know","start":685.07,"end":685.23004,"confidence":0.99967384,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.044881075620651245},{"word":"as","start":685.23004,"end":685.39,"confidence":0.9991541,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.04329477250576019},{"word":"a","start":685.39,"end":685.47003,"confidence":0.99570835,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02825826406478882},{"word":"human","start":685.47003,"end":685.79004,"confidence":0.99967384,"punctuated_word":"human","sentiment":"neutral","sentiment_score":-0.027652472257614136},{"word":"psychology","start":685.79004,"end":686.27,"confidence":0.9637532,"punctuated_word":"psychology,","sentiment":"neutral","sentiment_score":-0.04144313931465149},{"word":"you","start":686.27,"end":686.43,"confidence":0.994221,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07590862363576889},{"word":"tend","start":686.43,"end":686.67004,"confidence":0.99703646,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":-0.07150290906429291},{"word":"to","start":686.67004,"end":686.75,"confidence":0.99920124,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07068793475627899},{"word":"forget","start":686.75,"end":687.25,"confidence":0.99444664,"punctuated_word":"forget.","sentiment":"neutral","sentiment_score":-0.06392813473939896},{"word":"yeah","start":695.46497,"end":695.96497,"confidence":0.78713286,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04195588454604149},{"word":"yeah","start":702.345,"end":702.505,"confidence":0.9629115,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10766847431659698},{"word":"yeah","start":702.505,"end":703.005,"confidence":0.93828034,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17597398161888125},{"word":"yep","start":705.06,"end":705.56,"confidence":0.9919667,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08796330541372299},{"word":"correct","start":707.7,"end":708.2,"confidence":0.99697983,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":-0.03945380449295044},{"word":"yeah","start":708.34,"end":708.84,"confidence":0.9989063,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04302419349551201},{"word":"no","start":711.7,"end":712.02,"confidence":0.88787365,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1770903766155243},{"word":"absolutely","start":712.02,"end":712.52,"confidence":0.9987557,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":-0.06528190523386002},{"word":"yeah","start":712.58,"end":712.82,"confidence":0.9973854,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04588838294148445},{"word":"no","start":712.82,"end":713.06,"confidence":0.7703763,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10381513833999634},{"word":"makes","start":713.06,"end":713.22003,"confidence":0.5734126,"punctuated_word":"Makes","sentiment":"neutral","sentiment_score":-0.02718614786863327},{"word":"sense","start":713.22003,"end":713.46,"confidence":0.8916211,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":-0.08209146559238434},{"word":"makes","start":713.46,"end":713.62,"confidence":0.9331139,"punctuated_word":"Makes","sentiment":"neutral","sentiment_score":0.006490211933851242},{"word":"sense","start":713.62,"end":713.78,"confidence":0.9881708,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":-0.031452491879463196},{"word":"and","start":713.78,"end":714.02,"confidence":0.9558382,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.025230053812265396},{"word":"and","start":714.02,"end":714.18,"confidence":0.9542274,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.037019211798906326},{"word":"and","start":714.18,"end":714.26,"confidence":0.7405397,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.019609151408076286},{"word":"but","start":714.34,"end":714.5,"confidence":0.7318299,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.033592212945222855},{"word":"obviously","start":714.5,"end":715.0,"confidence":0.9988363,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.04940658062696457},{"word":"so","start":715.06,"end":715.22003,"confidence":0.4840719,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.03803573548793793},{"word":"many","start":715.22003,"end":715.46,"confidence":0.9994861,"punctuated_word":"many","sentiment":"neutral","sentiment_score":-0.041329532861709595},{"word":"other","start":715.46,"end":715.78,"confidence":0.9970722,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.058196164667606354},{"word":"things","start":715.78,"end":716.18,"confidence":0.8182752,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":-0.040647197514772415},{"word":"right","start":716.18,"end":716.58,"confidence":0.9911816,"punctuated_word":"right,","sentiment":"neutral","sentiment_score":-0.02838446758687496},{"word":"financially","start":716.58,"end":717.08,"confidence":0.69729507,"punctuated_word":"financially,","sentiment":"neutral","sentiment_score":-0.028993045911192897},{"word":"so","start":717.22003,"end":717.38,"confidence":0.99811006,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.11668630689382552},{"word":"you","start":717.38,"end":717.54004,"confidence":0.9991007,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.18002310395240784},{"word":"tend","start":717.54004,"end":717.78,"confidence":0.99892056,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":-0.18607088923454285},{"word":"to","start":717.78,"end":717.86,"confidence":0.9964909,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.19472184777259827},{"word":"lose","start":717.86,"end":718.10004,"confidence":0.99809605,"punctuated_word":"lose","sentiment":"neutral","sentiment_score":-0.23844504356384277},{"word":"track","start":718.10004,"end":718.42004,"confidence":0.99892706,"punctuated_word":"track","sentiment":"neutral","sentiment_score":-0.31798359751701355},{"word":"of","start":718.42004,"end":718.66003,"confidence":0.9961546,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3105275630950928},{"word":"things","start":718.66003,"end":719.115,"confidence":0.981234,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":-0.3046097755432129},{"word":"yeah","start":719.195,"end":719.675,"confidence":0.9959564,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16254597902297974},{"word":"absolutely","start":719.675,"end":720.175,"confidence":0.9966159,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.4450006484985352},{"word":"yeah","start":727.27496,"end":727.675,"confidence":0.9566468,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04174778610467911},{"word":"you","start":727.675,"end":727.755,"confidence":0.9928069,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.008840631693601608},{"word":"don't","start":727.755,"end":727.995,"confidence":0.9982608,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.06205372139811516},{"word":"have","start":727.995,"end":728.15497,"confidence":0.9967715,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1100398451089859},{"word":"to","start":728.15497,"end":728.235,"confidence":0.9577272,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07367967069149017},{"word":"do","start":728.235,"end":728.395,"confidence":0.9981554,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16667820513248444},{"word":"it","start":728.395,"end":728.555,"confidence":0.8962102,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.14607441425323486},{"word":"exactly","start":728.555,"end":729.035,"confidence":0.9988763,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.19581308960914612},{"word":"yeah","start":729.035,"end":729.27496,"confidence":0.99681973,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1908988356590271},{"word":"yeah","start":729.27496,"end":729.77496,"confidence":0.9951066,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2011718153953552},{"word":"yeah","start":736.26,"end":736.76,"confidence":0.9757863,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11025474965572356},{"word":"yep","start":743.78,"end":744.28,"confidence":0.8979849,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4124337434768677},{"word":"yep","start":747.54,"end":748.04,"confidence":0.9393534,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.310545951128006},{"word":"great","start":748.58,"end":749.08,"confidence":0.9983579,"punctuated_word":"Great.","sentiment":"positive","sentiment_score":0.5914760828018188},{"word":"alright","start":749.525,"end":750.025,"confidence":0.99789083,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.39814990758895874},{"word":"so","start":750.405,"end":750.565,"confidence":0.99923646,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24121543765068057},{"word":"now","start":750.565,"end":750.885,"confidence":0.6838966,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.23514696955680847},{"word":"tell","start":750.885,"end":751.04504,"confidence":0.9952343,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.19659991562366488},{"word":"me","start":751.04504,"end":751.54504,"confidence":0.89416844,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.18841716647148132},{"word":"i'm","start":751.765,"end":752.085,"confidence":0.963964,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2357344627380371},{"word":"keen","start":752.085,"end":752.405,"confidence":0.99923646,"punctuated_word":"keen","sentiment":"positive","sentiment_score":0.3667661547660827},{"word":"to","start":752.405,"end":752.48505,"confidence":0.99994934,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.41992202401161194},{"word":"make","start":752.48505,"end":752.885,"confidence":0.99996495,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.41205593943595886},{"word":"additional","start":752.885,"end":753.385,"confidence":0.99958414,"punctuated_word":"additional","sentiment":"positive","sentiment_score":0.376263827085495},{"word":"contribution","start":753.685,"end":754.185,"confidence":0.99630284,"punctuated_word":"contribution","sentiment":"positive","sentiment_score":0.3432472348213196},{"word":"for","start":754.565,"end":755.065,"confidence":0.9992797,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.35456913709640503},{"word":"obviously","start":755.525,"end":756.005,"confidence":0.9309735,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.3323891758918762},{"word":"a","start":756.005,"end":756.085,"confidence":0.978083,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4056611657142639},{"word":"bulk","start":756.085,"end":756.325,"confidence":0.9659882,"punctuated_word":"bulk","sentiment":"positive","sentiment_score":0.42664268612861633},{"word":"contribution","start":756.325,"end":756.72504,"confidence":0.9993755,"punctuated_word":"contribution","sentiment":"positive","sentiment_score":0.3878549039363861},{"word":"because","start":756.72504,"end":756.885,"confidence":0.78354275,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.2266923487186432},{"word":"in","start":756.885,"end":757.04504,"confidence":0.9937125,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3397294282913208},{"word":"the","start":757.04504,"end":757.125,"confidence":0.99978536,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.33881452679634094},{"word":"first","start":757.125,"end":757.365,"confidence":0.99976605,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.30053460597991943},{"word":"year","start":757.365,"end":757.525,"confidence":0.9377551,"punctuated_word":"year,","sentiment":"positive","sentiment_score":0.3915444612503052},{"word":"there's","start":757.525,"end":757.765,"confidence":0.99918723,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.3126358389854431},{"word":"no","start":757.765,"end":757.925,"confidence":0.99897087,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.24354727566242215},{"word":"limit","start":757.925,"end":758.16504,"confidence":0.99989426,"punctuated_word":"limit","sentiment":"neutral","sentiment_score":0.15833476185798645},{"word":"to","start":758.16504,"end":758.325,"confidence":0.99978405,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3296167850494385},{"word":"it","start":758.325,"end":758.48505,"confidence":0.999732,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.281521737575531},{"word":"i","start":758.48505,"end":758.565,"confidence":0.99988806,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17076219618320465},{"word":"think","start":758.565,"end":758.805,"confidence":0.9999616,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.20382314920425415},{"word":"i","start":758.805,"end":758.965,"confidence":0.99566084,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2276723086833954},{"word":"initially","start":758.965,"end":759.445,"confidence":0.9991524,"punctuated_word":"initially","sentiment":"neutral","sentiment_score":0.18007932603359222},{"word":"set","start":759.445,"end":759.685,"confidence":0.99558866,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.2566385865211487},{"word":"up","start":759.685,"end":759.84503,"confidence":0.999795,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2601401209831238},{"word":"$10,000","start":759.84503,"end":760.805,"confidence":0.999202,"punctuated_word":"$10,000","sentiment":"neutral","sentiment_score":0.26542216539382935},{"word":"and","start":760.805,"end":760.965,"confidence":0.9616332,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18131966888904572},{"word":"then","start":760.965,"end":761.125,"confidence":0.99836034,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1488145887851715},{"word":"$2.50","start":761.125,"end":761.60004,"confidence":0.99760795,"punctuated_word":"$2.50.","sentiment":"neutral","sentiment_score":0.19217249751091003},{"word":"i'm","start":761.60004,"end":761.76,"confidence":0.99981,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.13468366861343384},{"word":"just","start":761.76,"end":762.0,"confidence":0.99996746,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1376194208860397},{"word":"checking","start":762.0,"end":762.32,"confidence":0.9999076,"punctuated_word":"checking","sentiment":"neutral","sentiment_score":0.16856732964515686},{"word":"for","start":762.32,"end":762.56006,"confidence":0.99942136,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15447339415550232},{"word":"both","start":762.56006,"end":762.80005,"confidence":0.9997775,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.16956651210784912},{"word":"my","start":762.80005,"end":763.12006,"confidence":0.99442154,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.17294874787330627},{"word":"child","start":763.12006,"end":763.62006,"confidence":0.9860321,"punctuated_word":"child.","sentiment":"neutral","sentiment_score":0.13983936607837677},{"word":"$1.05","start":764.72003,"end":765.62006,"confidence":0.99488807,"punctuated_word":"$1.05","sentiment":"neutral","sentiment_score":0.10206133127212524},{"word":"$8.07","start":767.36005,"end":768.04004,"confidence":0.9005916,"punctuated_word":"$8.07","sentiment":"neutral","sentiment_score":0.08660078048706055},{"word":"and","start":768.04004,"end":768.32,"confidence":0.99479276,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06378364562988281},{"word":"$8.06","start":768.32,"end":769.06006,"confidence":0.998066,"punctuated_word":"$8.06.","sentiment":"neutral","sentiment_score":0.07952500879764557},{"word":"yeah","start":771.04004,"end":771.2,"confidence":0.9689826,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13195356726646423},{"word":"i","start":771.2,"end":771.36005,"confidence":0.98116267,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17655165493488312},{"word":"i","start":771.36005,"end":771.44,"confidence":0.9461201,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19076593220233917},{"word":"think","start":771.44,"end":771.68005,"confidence":0.9998354,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.16506890952587128},{"word":"that's","start":771.68005,"end":771.92004,"confidence":0.7082573,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2166585922241211},{"word":"it's","start":771.92004,"end":772.08,"confidence":0.78089845,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.21167413890361783},{"word":"the","start":772.08,"end":772.16003,"confidence":0.99429554,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20418508350849152},{"word":"same","start":772.16003,"end":772.4,"confidence":0.99967146,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.1987706571817398},{"word":"amount","start":772.4,"end":772.72003,"confidence":0.8826016,"punctuated_word":"amount,","sentiment":"neutral","sentiment_score":0.18052181601524353},{"word":"$10,002.50","start":772.72003,"end":774.175,"confidence":0.97184366,"punctuated_word":"$10,002.50.","sentiment":"neutral","sentiment_score":0.16651126742362976},{"word":"can","start":774.555,"end":774.95496,"confidence":0.99647635,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.14046669006347656},{"word":"i","start":774.95496,"end":775.45496,"confidence":0.99922013,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12604089081287384},{"word":"what","start":775.995,"end":776.235,"confidence":0.79651827,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.12745104730129242},{"word":"is","start":776.235,"end":776.39496,"confidence":0.99778545,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1442805379629135},{"word":"your","start":776.39496,"end":776.555,"confidence":0.9989849,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16705963015556335},{"word":"recommendation","start":776.555,"end":777.055,"confidence":0.9996728,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.24647855758666992},{"word":"in","start":777.115,"end":777.27496,"confidence":0.9922283,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1499720811843872},{"word":"terms","start":777.27496,"end":777.51495,"confidence":0.99993944,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.15376761555671692},{"word":"of","start":777.51495,"end":777.595,"confidence":0.9992932,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.25914397835731506},{"word":"making","start":777.595,"end":778.095,"confidence":0.99992454,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.26205122470855713},{"word":"additional","start":778.95496,"end":779.435,"confidence":0.9985245,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.21549011766910553},{"word":"bulk","start":779.435,"end":779.675,"confidence":0.95732814,"punctuated_word":"bulk","sentiment":"neutral","sentiment_score":0.25425004959106445},{"word":"contribution","start":779.675,"end":780.175,"confidence":0.9514472,"punctuated_word":"contribution","sentiment":"positive","sentiment_score":0.3399195373058319},{"word":"right","start":780.235,"end":780.475,"confidence":0.9992907,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.16137388348579407},{"word":"now","start":780.475,"end":780.975,"confidence":0.9343727,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":0.16039875149726868},{"word":"and","start":781.355,"end":781.83496,"confidence":0.835028,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1300826072692871},{"word":"do","start":781.83496,"end":781.995,"confidence":0.9492388,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16721151769161224},{"word":"you","start":781.995,"end":782.15497,"confidence":0.92814976,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13147291541099548},{"word":"yep","start":826.2,"end":826.395,"confidence":0.80062973,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3813539445400238},{"word":"yep","start":826.79504,"end":827.29504,"confidence":0.8785186,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4025492370128632},{"word":"yep","start":834.555,"end":835.055,"confidence":0.8342181,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.35332831740379333},{"word":"yeah","start":841.115,"end":841.47,"confidence":0.9223381,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.016140790656208992},{"word":"yep","start":845.23,"end":845.73,"confidence":0.9388868,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03856358677148819},{"word":"yep","start":852.35,"end":852.85,"confidence":0.9433707,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.004539616405963898},{"word":"yep","start":854.82996,"end":855.32996,"confidence":0.9725146,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12465213239192964},{"word":"got","start":855.79,"end":856.215,"confidence":0.38266087,"punctuated_word":"Got","sentiment":"positive","sentiment_score":0.5452038049697876},{"word":"it","start":858.61505,"end":858.775,"confidence":0.9966475,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.2657606601715088},{"word":"got","start":858.775,"end":859.015,"confidence":0.95640355,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.250896155834198},{"word":"it","start":859.015,"end":859.335,"confidence":0.9987345,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.1808430701494217},{"word":"yeah","start":859.335,"end":859.49506,"confidence":0.99233204,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17207136750221252},{"word":"yeah","start":859.49506,"end":859.655,"confidence":0.94591177,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1610775887966156},{"word":"and","start":859.655,"end":859.97504,"confidence":0.9805901,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.13491085171699524},{"word":"then","start":859.97504,"end":860.135,"confidence":0.6124251,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.14225365221500397},{"word":"i'm","start":860.135,"end":860.215,"confidence":0.9660574,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.10609426349401474},{"word":"assuming","start":860.215,"end":860.715,"confidence":0.9709112,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":0.12505418062210083},{"word":"yeah","start":861.17505,"end":861.49506,"confidence":0.9436419,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.10946725308895112},{"word":"the","start":861.49506,"end":861.73505,"confidence":0.8249456,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.0636831670999527},{"word":"the","start":861.73505,"end":861.815,"confidence":0.9594249,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05150274932384491},{"word":"obviously","start":861.895,"end":862.215,"confidence":0.97005755,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.05788056924939155},{"word":"the","start":862.215,"end":862.375,"confidence":0.999253,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06414809823036194},{"word":"markets","start":862.375,"end":862.695,"confidence":0.92607737,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":0.026320382952690125},{"word":"are","start":862.695,"end":862.85504,"confidence":0.99922824,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.01984025537967682},{"word":"low","start":862.85504,"end":863.015,"confidence":0.77621555,"punctuated_word":"low,","sentiment":"neutral","sentiment_score":0.1165054216980934},{"word":"so","start":863.015,"end":863.49506,"confidence":0.9993067,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.05918346345424652},{"word":"the","start":863.49506,"end":863.655,"confidence":0.9961014,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14655399322509766},{"word":"number","start":863.655,"end":863.895,"confidence":0.9989201,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.1576109677553177},{"word":"of","start":863.895,"end":864.05505,"confidence":0.99982196,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1606886386871338},{"word":"units","start":864.05505,"end":864.455,"confidence":0.99861944,"punctuated_word":"units","sentiment":"neutral","sentiment_score":0.09701691567897797},{"word":"purchased","start":864.455,"end":864.85504,"confidence":0.84775186,"punctuated_word":"purchased","sentiment":"neutral","sentiment_score":0.131337970495224},{"word":"would","start":864.85504,"end":865.015,"confidence":0.99749184,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.17306950688362122},{"word":"be","start":865.015,"end":865.17505,"confidence":0.9998801,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.16550056636333466},{"word":"higher","start":865.17505,"end":865.67505,"confidence":0.99946886,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.18098309636116028},{"word":"to","start":865.97504,"end":866.135,"confidence":0.9929726,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21428480744361875},{"word":"the","start":866.135,"end":866.375,"confidence":0.95763,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11885127425193788},{"word":"amount","start":866.375,"end":866.695,"confidence":0.99976,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.11637386679649352},{"word":"contributed","start":866.695,"end":867.195,"confidence":0.89329493,"punctuated_word":"contributed.","sentiment":"neutral","sentiment_score":0.1343558132648468},{"word":"so","start":867.255,"end":867.49506,"confidence":0.9989691,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15096838772296906},{"word":"there's","start":867.49506,"end":867.73505,"confidence":0.99107414,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.2051134556531906},{"word":"a","start":867.73505,"end":867.895,"confidence":0.99713,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.38001376390457153},{"word":"better","start":867.895,"end":868.135,"confidence":0.9928122,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.30058109760284424},{"word":"roi","start":868.135,"end":868.47,"confidence":0.9860723,"punctuated_word":"ROI","sentiment":"positive","sentiment_score":0.5106167197227478},{"word":"in","start":868.47,"end":868.62994,"confidence":0.9995782,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.30159249901771545},{"word":"that","start":868.62994,"end":868.87,"confidence":0.9998981,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.33058661222457886},{"word":"sense","start":868.87,"end":869.37,"confidence":0.89812964,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.2534327208995819},{"word":"yeah","start":873.75,"end":874.25,"confidence":0.8807894,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.0006633596494793892},{"word":"yeah","start":876.79,"end":877.18994,"confidence":0.8384012,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03507573530077934},{"word":"yeah","start":877.18994,"end":877.50995,"confidence":0.95229554,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05168991535902023},{"word":"i've","start":877.50995,"end":877.75,"confidence":0.9853473,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.061486780643463135},{"word":"just","start":877.75,"end":877.91,"confidence":0.99937373,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07409864664077759},{"word":"got","start":877.91,"end":878.14996,"confidence":0.9960957,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07500734180212021},{"word":"i've","start":878.31,"end":878.47,"confidence":0.97932315,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.08136402815580368},{"word":"just","start":878.47,"end":878.70996,"confidence":0.9998677,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08841248601675034},{"word":"opened","start":878.70996,"end":878.94995,"confidence":0.9886989,"punctuated_word":"opened","sentiment":"neutral","sentiment_score":0.1284196525812149},{"word":"the","start":878.94995,"end":879.18994,"confidence":0.99896777,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09286625683307648},{"word":"email","start":879.18994,"end":879.68994,"confidence":0.99974674,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.10491923242807388},{"word":"and","start":879.99,"end":880.49,"confidence":0.88576543,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13870131969451904},{"word":"the","start":880.975,"end":881.475,"confidence":0.99383754,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0643097311258316},{"word":"document","start":884.175,"end":884.675,"confidence":0.7233584,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.08588126301765442},{"word":"yep","start":896.91003,"end":897.41003,"confidence":0.9538771,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.022526172921061516},{"word":"yeah","start":902.91003,"end":903.31,"confidence":0.9957683,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.038776762783527374},{"word":"i've","start":903.31,"end":903.55,"confidence":0.9966805,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04283909127116203},{"word":"just","start":903.55,"end":903.79004,"confidence":0.99964595,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05488595366477966},{"word":"got","start":903.79004,"end":903.87,"confidence":0.998611,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.04354175925254822},{"word":"i'll","start":905.55,"end":905.87,"confidence":0.82144654,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.05214407294988632},{"word":"open","start":905.87,"end":906.27,"confidence":0.99159324,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.05392434075474739},{"word":"the","start":906.27,"end":906.645,"confidence":0.99462223,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.035301320254802704},{"word":"sign","start":906.72504,"end":907.04504,"confidence":0.5183336,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.027071308344602585},{"word":"document","start":907.04504,"end":907.54504,"confidence":0.95928526,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.020472664386034012},{"word":"link","start":907.60504,"end":907.84503,"confidence":0.9793178,"punctuated_word":"link.","sentiment":"neutral","sentiment_score":0.04043256491422653},{"word":"it","start":907.84503,"end":908.005,"confidence":0.99935263,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.05322751775383949},{"word":"opens","start":908.005,"end":908.405,"confidence":0.99914193,"punctuated_word":"opens","sentiment":"neutral","sentiment_score":0.052865516394376755},{"word":"a","start":908.405,"end":908.565,"confidence":0.5397353,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04721110314130783},{"word":"document","start":908.565,"end":909.065,"confidence":0.9973297,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.04198150709271431},{"word":"the","start":909.525,"end":909.685,"confidence":0.98836875,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.02785300835967064},{"word":"first","start":909.685,"end":909.92505,"confidence":0.9998375,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.02637559548020363},{"word":"one","start":909.92505,"end":910.085,"confidence":0.8307908,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.008820505812764168},{"word":"it","start":910.085,"end":910.245,"confidence":0.999196,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01572335883975029},{"word":"says","start":910.245,"end":910.645,"confidence":0.9971693,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.01030777394771576},{"word":"consent","start":910.645,"end":911.145,"confidence":0.8602774,"punctuated_word":"consent","sentiment":"neutral","sentiment_score":0.05140239745378494},{"word":"to","start":911.205,"end":911.685,"confidence":0.9964355,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05292149633169174},{"word":"new","start":911.685,"end":912.085,"confidence":0.9981123,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.020380936563014984},{"word":"ongoing","start":912.085,"end":912.565,"confidence":0.9712792,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.06554977595806122},{"word":"fees","start":912.565,"end":912.805,"confidence":0.978609,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.04481419175863266},{"word":"arrangement","start":912.805,"end":913.305,"confidence":0.9899037,"punctuated_word":"arrangement.","sentiment":"neutral","sentiment_score":0.04126451537013054},{"word":"yeah","start":930.29,"end":930.61,"confidence":0.9457196,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.019611334428191185},{"word":"yeah","start":930.61,"end":930.77,"confidence":0.97384167,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01615971326828003},{"word":"i","start":930.77,"end":930.85004,"confidence":0.87997407,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02835184335708618},{"word":"can","start":930.85004,"end":931.09,"confidence":0.99918264,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.02309507504105568},{"word":"see","start":931.09,"end":931.25,"confidence":0.9976422,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.04062930122017861},{"word":"those","start":931.25,"end":931.57,"confidence":0.9899631,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.03715029731392861},{"word":"links","start":931.57,"end":931.89,"confidence":0.99443465,"punctuated_word":"links.","sentiment":"neutral","sentiment_score":0.030616233125329018},{"word":"yep","start":931.89,"end":932.39,"confidence":0.9367231,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08590148389339447},{"word":"yep","start":937.545,"end":938.045,"confidence":0.8856404,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09142082929611206},{"word":"yeah","start":941.385,"end":941.785,"confidence":0.9519819,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06263438612222672},{"word":"it's","start":941.785,"end":941.945,"confidence":0.97679514,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.05651155114173889},{"word":"hoping","start":941.945,"end":942.26495,"confidence":0.78256,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.08120912313461304},{"word":"that","start":942.26495,"end":942.425,"confidence":0.9753618,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10364681482315063},{"word":"it's","start":942.425,"end":942.665,"confidence":0.9955578,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.09700454771518709},{"word":"downloading","start":942.665,"end":943.165,"confidence":0.99573565,"punctuated_word":"downloading.","sentiment":"neutral","sentiment_score":0.07133267819881439},{"word":"give","start":943.545,"end":943.785,"confidence":0.9369224,"punctuated_word":"Give","sentiment":"neutral","sentiment_score":0.037010714411735535},{"word":"me","start":943.785,"end":943.865,"confidence":0.9981713,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.04453049600124359},{"word":"one","start":943.865,"end":944.105,"confidence":0.99301416,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.025444434955716133},{"word":"sec","start":944.105,"end":944.605,"confidence":0.98664117,"punctuated_word":"sec.","sentiment":"neutral","sentiment_score":0.05020245909690857},{"word":"yeah","start":966.57495,"end":966.77496,"confidence":0.9054699,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.057473570108413696},{"word":"i'm","start":966.77496,"end":966.975,"confidence":0.95829695,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.06366589665412903},{"word":"just","start":966.975,"end":967.375,"confidence":0.99961996,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0608212947845459},{"word":"opening","start":967.375,"end":967.77496,"confidence":0.9573806,"punctuated_word":"opening","sentiment":"neutral","sentiment_score":0.0885060727596283},{"word":"that","start":967.77496,"end":968.095,"confidence":0.99830073,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.059193868190050125},{"word":"up","start":968.095,"end":968.595,"confidence":0.9975612,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.06678585708141327},{"word":"yep","start":975.69495,"end":976.01495,"confidence":0.96237385,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07656693458557129},{"word":"i","start":976.01495,"end":976.25494,"confidence":0.999046,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0744701400399208},{"word":"opened","start":976.25494,"end":976.57495,"confidence":0.49842113,"punctuated_word":"opened","sentiment":"neutral","sentiment_score":0.11230140924453735},{"word":"it","start":976.57495,"end":976.89496,"confidence":0.9983485,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.09694593399763109},{"word":"yeah","start":976.89496,"end":977.39496,"confidence":0.9966197,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1383536458015442},{"word":"mhmm","start":1011.235,"end":1011.42,"confidence":0.90894514,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.06575450301170349},{"word":"yep","start":1028.635,"end":1029.135,"confidence":0.9903219,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.32215678691864014},{"word":"yep","start":1040.55,"end":1041.05,"confidence":0.88437104,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1416364312171936},{"word":"i","start":1055.605,"end":1055.685,"confidence":0.9604614,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.430300772190094},{"word":"believe","start":1055.685,"end":1056.005,"confidence":0.9981054,"punctuated_word":"believe","sentiment":"positive","sentiment_score":0.34718528389930725},{"word":"so","start":1056.005,"end":1056.165,"confidence":0.9790065,"punctuated_word":"so.","sentiment":"positive","sentiment_score":0.35913023352622986},{"word":"yeah","start":1056.165,"end":1056.665,"confidence":0.84013873,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.25523489713668823},{"word":"yeah","start":1081.3099,"end":1081.395,"confidence":0.71483207,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09942653775215148},{"word":"yeah","start":1095.0751,"end":1095.475,"confidence":0.9732349,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.034331366419792175},{"word":"two","start":1095.475,"end":1095.715,"confidence":0.9970028,"punctuated_word":"Two","sentiment":"neutral","sentiment_score":0.03779858350753784},{"word":"of","start":1095.715,"end":1095.875,"confidence":0.9994424,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.036879539489746094},{"word":"them","start":1095.875,"end":1096.11,"confidence":0.99923813,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.045753661543130875},{"word":"yep","start":1096.35,"end":1096.85,"confidence":0.87614375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13140860199928284},{"word":"yeah","start":1134.15,"end":1134.65,"confidence":0.9678061,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09781212359666824},{"word":"have","start":1144.965,"end":1145.205,"confidence":0.36409938,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.07852423936128616},{"word":"twenty","start":1145.205,"end":1145.525,"confidence":0.99407464,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.06096494570374489},{"word":"four","start":1145.525,"end":1145.765,"confidence":0.94893306,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.07303915172815323},{"word":"twenty","start":1145.765,"end":1146.265,"confidence":0.78387386,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.07308235764503479},{"word":"twelve","start":1146.485,"end":1146.725,"confidence":0.7128963,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.0656694546341896},{"word":"month","start":1146.725,"end":1147.205,"confidence":0.9913892,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.07334285229444504},{"word":"irr","start":1147.205,"end":1147.68,"confidence":0.9777646,"punctuated_word":"IRR.","sentiment":"neutral","sentiment_score":0.07047252357006073},{"word":"yeah","start":1148.16,"end":1148.66,"confidence":0.81421185,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.050441984087228775},{"word":"okay","start":1159.6001,"end":1160.1001,"confidence":0.7789514,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.02699868381023407},{"word":"yeah","start":1163.12,"end":1163.62,"confidence":0.9808875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0100140068680048},{"word":"just","start":1163.735,"end":1163.895,"confidence":0.9992841,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.01366308331489563},{"word":"looking","start":1163.895,"end":1164.395,"confidence":0.45001388,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.014338653534650804},{"word":"down","start":1164.615,"end":1164.775,"confidence":0.19640072,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.012157831341028214},{"word":"the","start":1164.775,"end":1164.855,"confidence":0.09805553,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.008966665714979172},{"word":"road","start":1164.855,"end":1165.095,"confidence":0.5935567,"punctuated_word":"road.","sentiment":"neutral","sentiment_score":-0.009271914139389992},{"word":"one","start":1165.095,"end":1165.3351,"confidence":0.8958161,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.009791087359189987},{"word":"second","start":1165.3351,"end":1165.8351,"confidence":0.9949617,"punctuated_word":"second.","sentiment":"neutral","sentiment_score":0.04285462200641632},{"word":"mhmm","start":1183.1901,"end":1183.6901,"confidence":0.92911935,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.0032972032204270363},{"word":"not","start":1190.785,"end":1191.025,"confidence":0.897933,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.14350195229053497},{"word":"really","start":1191.025,"end":1191.525,"confidence":0.99243474,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.15096725523471832},{"word":"i","start":1191.665,"end":1191.825,"confidence":0.92109394,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1267307549715042},{"word":"think","start":1191.825,"end":1192.145,"confidence":0.88708025,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.22399821877479553},{"word":"i'm","start":1192.145,"end":1192.385,"confidence":0.9873744,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.13232004642486572},{"word":"okay","start":1192.385,"end":1192.625,"confidence":0.9992747,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":-0.19635288417339325},{"word":"with","start":1192.625,"end":1192.865,"confidence":0.9994772,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.19736233353614807},{"word":"that","start":1192.865,"end":1193.025,"confidence":0.99116445,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.052643075585365295},{"word":"in","start":1193.025,"end":1193.185,"confidence":0.9408565,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.05905351787805557},{"word":"fact","start":1193.185,"end":1193.425,"confidence":0.97548604,"punctuated_word":"fact,","sentiment":"neutral","sentiment_score":0.1102963164448738},{"word":"right","start":1193.425,"end":1193.665,"confidence":0.79814816,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.133815735578537},{"word":"right","start":1193.665,"end":1193.905,"confidence":0.7643672,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.0895107313990593},{"word":"now","start":1193.905,"end":1194.145,"confidence":0.90831304,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.10548680275678636},{"word":"is","start":1194.145,"end":1194.225,"confidence":0.93028164,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12195233255624773},{"word":"the","start":1194.225,"end":1194.385,"confidence":0.99292845,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12462980300188065},{"word":"time","start":1194.385,"end":1194.625,"confidence":0.9988387,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.035380713641643524},{"word":"to","start":1194.625,"end":1194.705,"confidence":0.99415946,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.010764755308628082},{"word":"invest","start":1194.705,"end":1194.945,"confidence":0.9959616,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.022400707006454468},{"word":"in","start":1194.945,"end":1195.185,"confidence":0.977418,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.010806635022163393},{"word":"equities","start":1195.185,"end":1195.665,"confidence":0.8768644,"punctuated_word":"equities.","sentiment":"neutral","sentiment_score":0.08252569288015366},{"word":"so","start":1195.665,"end":1195.905,"confidence":0.9757286,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.28227612376213074},{"word":"yeah","start":1196.155,"end":1196.655,"confidence":0.98238325,"punctuated_word":"yeah.","sentiment":"positive","sentiment_score":0.35452866554260254},{"word":"yeah","start":1219.21,"end":1219.71,"confidence":0.932459,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04814758151769638},{"word":"market","start":1232.8251,"end":1233.225,"confidence":0.9617858,"punctuated_word":"Market","sentiment":"neutral","sentiment_score":0.0717601552605629},{"word":"value","start":1233.225,"end":1233.545,"confidence":0.9990513,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.05939310044050217},{"word":"at","start":1233.545,"end":1233.7051,"confidence":0.9555009,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06746261566877365},{"word":"this","start":1233.7051,"end":1233.9,"confidence":0.50850874,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.10115200281143188},{"word":"start","start":1233.98,"end":1234.14,"confidence":0.39735258,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.09627512842416765},{"word":"of","start":1234.14,"end":1234.3,"confidence":0.97654814,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09354472160339355},{"word":"the","start":1234.3,"end":1234.38,"confidence":0.9759529,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0689687430858612},{"word":"period","start":1234.38,"end":1234.88,"confidence":0.7578553,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":0.08041805028915405},{"word":"market","start":1234.9401,"end":1235.26,"confidence":0.99642414,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.059855867177248},{"word":"value","start":1235.26,"end":1235.5,"confidence":0.99846834,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.06524337828159332},{"word":"at","start":1235.5,"end":1235.66,"confidence":0.992593,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08411724865436554},{"word":"the","start":1235.66,"end":1235.74,"confidence":0.99176884,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.064333476126194},{"word":"end","start":1235.74,"end":1236.06,"confidence":0.999485,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.08098526298999786},{"word":"is","start":1236.06,"end":1236.14,"confidence":0.9144071,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05326857790350914},{"word":"206","start":1236.14,"end":1237.2001,"confidence":0.5865973,"punctuated_word":"206,","sentiment":"neutral","sentiment_score":0.05718390271067619},{"word":"income","start":1237.9,"end":1238.4,"confidence":0.99883455,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.08218204230070114},{"word":"income","start":1243.42,"end":1243.9,"confidence":0.94099456,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.06528445333242416},{"word":"and","start":1243.9,"end":1244.22,"confidence":0.9629051,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06562976539134979},{"word":"growth","start":1244.22,"end":1244.72,"confidence":0.8725939,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":0.0697460025548935},{"word":"what","start":1246.7001,"end":1246.9401,"confidence":0.99723864,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.02939661405980587},{"word":"does","start":1246.9401,"end":1247.18,"confidence":0.9171136,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.021922612562775612},{"word":"income","start":1247.18,"end":1247.5,"confidence":0.99468756,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.0756378173828125},{"word":"in","start":1247.5,"end":1247.66,"confidence":0.604917,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03871573880314827},{"word":"the","start":1247.66,"end":1247.74,"confidence":0.99630105,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.031048310920596123},{"word":"period","start":1247.74,"end":1247.98,"confidence":0.9990941,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.04337739944458008},{"word":"mean","start":1247.98,"end":1248.22,"confidence":0.8475604,"punctuated_word":"mean?","sentiment":"neutral","sentiment_score":0.014489289373159409},{"word":"from","start":1248.22,"end":1248.4601,"confidence":0.8986109,"punctuated_word":"From","sentiment":"neutral","sentiment_score":0.020740490406751633},{"word":"dividends","start":1248.4601,"end":1248.9401,"confidence":0.86026585,"punctuated_word":"dividends,","sentiment":"neutral","sentiment_score":0.03005046211183071},{"word":"you","start":1248.9401,"end":1249.02,"confidence":0.9395332,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016637690365314484},{"word":"mean","start":1249.02,"end":1249.365,"confidence":0.99130666,"punctuated_word":"mean?","sentiment":"neutral","sentiment_score":0.025674279779195786},{"word":"yeah","start":1258.325,"end":1258.645,"confidence":0.8955958,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07607711851596832},{"word":"okay","start":1258.645,"end":1259.145,"confidence":0.77014565,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0870063453912735},{"word":"yep","start":1273.38,"end":1273.635,"confidence":0.99310803,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14658911526203156},{"word":"yep","start":1307.285,"end":1307.785,"confidence":0.9772761,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10638269037008286},{"word":"yep","start":1312.9651,"end":1313.28,"confidence":0.78304696,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15241029858589172},{"word":"yep","start":1367.69,"end":1368.19,"confidence":0.9916502,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04465844482183456},{"word":"yeah","start":1386.7151,"end":1387.2151,"confidence":0.95024735,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.008655880577862263},{"word":"sort","start":1387.3551,"end":1387.675,"confidence":0.82147926,"punctuated_word":"Sort","sentiment":"neutral","sentiment_score":-0.022089499980211254},{"word":"of","start":1387.675,"end":1387.755,"confidence":0.9518056,"punctuated_word":"of.","sentiment":"neutral","sentiment_score":-0.01140501257032156},{"word":"but","start":1387.755,"end":1387.915,"confidence":0.9990477,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.04586763679981232},{"word":"i","start":1387.915,"end":1388.0751,"confidence":0.9991404,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06917557865381241},{"word":"don't","start":1388.0751,"end":1388.235,"confidence":0.9999436,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.07536017894744873},{"word":"really","start":1388.235,"end":1388.4751,"confidence":0.9989856,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.1045188531279564},{"word":"know","start":1388.4751,"end":1388.7151,"confidence":0.9995547,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.1128307580947876},{"word":"exactly","start":1388.7151,"end":1389.2151,"confidence":0.9981998,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":-0.09130644798278809},{"word":"what","start":1389.275,"end":1389.675,"confidence":0.99791366,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.06545167416334152},{"word":"that","start":1389.675,"end":1390.175,"confidence":0.974589,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06310632824897766},{"word":"thing","start":1390.53,"end":1390.77,"confidence":0.54966265,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.08162803202867508},{"word":"is","start":1390.77,"end":1391.0,"confidence":0.7541919,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.118122898042202},{"word":"but","start":1391.0,"end":1391.25,"confidence":0.8838544,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.08718439936637878},{"word":"yeah","start":1391.5,"end":1392.0,"confidence":0.99819505,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.03549862653017044},{"word":"yep","start":1413.505,"end":1414.005,"confidence":0.97193205,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06900747120380402},{"word":"yeah","start":1420.36,"end":1420.86,"confidence":0.8223642,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03746604174375534},{"word":"yep","start":1479.86,"end":1480.36,"confidence":0.6627669,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01886775717139244},{"word":"yeah","start":1497.58,"end":1498.08,"confidence":0.93411773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1055878922343254},{"word":"absolutely","start":1500.46,"end":1500.96,"confidence":0.91382015,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":-0.14687755703926086},{"word":"this","start":1501.26,"end":1501.42,"confidence":0.9841928,"punctuated_word":"This","sentiment":"negative","sentiment_score":-0.3722667992115021},{"word":"is","start":1501.42,"end":1501.58,"confidence":0.9922173,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.3915842473506927},{"word":"yeah","start":1501.66,"end":1501.82,"confidence":0.9892299,"punctuated_word":"yeah.","sentiment":"negative","sentiment_score":-0.3511121869087219},{"word":"this","start":1501.82,"end":1501.98,"confidence":0.9824212,"punctuated_word":"This","sentiment":"negative","sentiment_score":-0.6855352520942688},{"word":"is","start":1501.98,"end":1502.14,"confidence":0.9830298,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.6323258876800537},{"word":"contrary","start":1502.14,"end":1502.62,"confidence":0.9802304,"punctuated_word":"contrary","sentiment":"negative","sentiment_score":-0.5474585294723511},{"word":"to","start":1502.62,"end":1502.78,"confidence":0.99795425,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5708855986595154},{"word":"the","start":1502.78,"end":1503.28,"confidence":0.98543763,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.43696364760398865},{"word":"fundamental","start":1503.34,"end":1503.84,"confidence":0.9694238,"punctuated_word":"fundamental","sentiment":"neutral","sentiment_score":-0.2640623450279236},{"word":"goal","start":1504.06,"end":1504.485,"confidence":0.68457484,"punctuated_word":"goal.","sentiment":"neutral","sentiment_score":-0.31907135248184204},{"word":"yeah","start":1532.745,"end":1533.065,"confidence":0.8590529,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07416081428527832},{"word":"i","start":1533.065,"end":1533.145,"confidence":0.98149645,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04271317273378372},{"word":"know","start":1533.145,"end":1533.385,"confidence":0.9993394,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.05127447843551636},{"word":"that","start":1533.385,"end":1533.625,"confidence":0.9550965,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.07385414838790894},{"word":"yeah","start":1533.625,"end":1534.025,"confidence":0.99605495,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03830132633447647},{"word":"yeah","start":1534.025,"end":1534.525,"confidence":0.824522,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.026948746293783188},{"word":"yeah","start":1565.735,"end":1565.91,"confidence":0.8306891,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18440347909927368},{"word":"yeah","start":1566.39,"end":1566.89,"confidence":0.96355426,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.25845107436180115},{"word":"yeah","start":1576.23,"end":1576.55,"confidence":0.96600085,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08512121438980103},{"word":"yeah","start":1576.55,"end":1576.79,"confidence":0.7269747,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08952184021472931},{"word":"please","start":1576.79,"end":1577.29,"confidence":0.97177124,"punctuated_word":"Please.","sentiment":"neutral","sentiment_score":0.08986702561378479},{"word":"so","start":1577.35,"end":1577.75,"confidence":0.8630691,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07365486025810242},{"word":"tell","start":1577.75,"end":1577.91,"confidence":0.9403979,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.06882858276367188},{"word":"me","start":1577.91,"end":1577.99,"confidence":0.9787526,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0905439630150795},{"word":"one","start":1577.99,"end":1578.23,"confidence":0.9908593,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0944111794233322},{"word":"thing","start":1578.23,"end":1578.4701,"confidence":0.7756064,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":0.09523153305053712},{"word":"the","start":1578.4701,"end":1578.79,"confidence":0.9958936,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09465008974075316},{"word":"the","start":1578.79,"end":1579.29,"confidence":0.9961559,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08731871843338013},{"word":"investment","start":1579.43,"end":1579.93,"confidence":0.9993467,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.0859416201710701},{"word":"calls","start":1580.0701,"end":1580.5701,"confidence":0.9972038,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.07059398293495178},{"word":"are","start":1580.63,"end":1581.13,"confidence":0.99905664,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08133112639188766},{"word":"made","start":1581.705,"end":1581.945,"confidence":0.9997794,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.08730102330446243},{"word":"by","start":1581.945,"end":1582.105,"confidence":0.9997669,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.07544071227312088},{"word":"you","start":1582.105,"end":1582.345,"confidence":0.998708,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09314247965812684},{"word":"folks","start":1582.345,"end":1582.6649,"confidence":0.7320636,"punctuated_word":"folks,","sentiment":"neutral","sentiment_score":0.09166242182254793},{"word":"as","start":1582.6649,"end":1582.825,"confidence":0.99596834,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08247361332178116},{"word":"in","start":1582.825,"end":1583.065,"confidence":0.99927276,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06654047220945358},{"word":"which","start":1583.065,"end":1583.3049,"confidence":0.9802664,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.06315174698829651},{"word":"funds","start":1583.3049,"end":1583.5449,"confidence":0.99676174,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.07182295620441437},{"word":"to","start":1583.5449,"end":1583.785,"confidence":0.9995239,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06956050544977188},{"word":"invest","start":1583.785,"end":1584.1849,"confidence":0.9996854,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.05574905127286911},{"word":"and","start":1584.1849,"end":1584.4249,"confidence":0.9601984,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06233222037553787},{"word":"which","start":1584.4249,"end":1584.825,"confidence":0.92533207,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.07233431190252304},{"word":"securities","start":1584.825,"end":1585.325,"confidence":0.982114,"punctuated_word":"securities","sentiment":"neutral","sentiment_score":0.06298297643661499},{"word":"to","start":1585.385,"end":1585.5449,"confidence":0.99455464,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06473046541213989},{"word":"invest","start":1585.5449,"end":1586.025,"confidence":0.99880135,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.058169156312942505},{"word":"as","start":1586.025,"end":1586.1849,"confidence":0.6197608,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07719077169895172},{"word":"a","start":1586.1849,"end":1586.345,"confidence":0.99666613,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06475993990898132},{"word":"combination","start":1586.345,"end":1586.745,"confidence":0.9996184,"punctuated_word":"combination","sentiment":"neutral","sentiment_score":0.06620823591947556},{"word":"of","start":1586.745,"end":1586.905,"confidence":0.9997788,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06106045097112656},{"word":"the","start":1586.905,"end":1587.065,"confidence":0.9888487,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04820126295089722},{"word":"portfolio","start":1587.065,"end":1587.5449,"confidence":0.70363796,"punctuated_word":"portfolio?","sentiment":"neutral","sentiment_score":0.05047326162457466},{"word":"is","start":1587.5449,"end":1587.785,"confidence":0.5944889,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.01952354237437248},{"word":"it","start":1587.785,"end":1588.025,"confidence":0.995158,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.027202058583498},{"word":"hub24","start":1588.025,"end":1588.525,"confidence":0.5476177,"punctuated_word":"HUB24","sentiment":"neutral","sentiment_score":0.030653584748506543},{"word":"who","start":1588.745,"end":1588.825,"confidence":0.98225015,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.01651829481124878},{"word":"makes","start":1588.825,"end":1589.145,"confidence":0.99740535,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.028186092153191566},{"word":"that","start":1589.145,"end":1589.645,"confidence":0.9992199,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03530967980623245},{"word":"call","start":1589.705,"end":1590.205,"confidence":0.8776257,"punctuated_word":"call?","sentiment":"neutral","sentiment_score":0.020882362499833107},{"word":"you","start":1591.065,"end":1591.225,"confidence":0.9926467,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.04062730073928833},{"word":"guys","start":1591.225,"end":1591.465,"confidence":0.9960337,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.052846163511276245},{"word":"make","start":1591.465,"end":1591.625,"confidence":0.99147934,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.03649193048477173},{"word":"that","start":1591.625,"end":1591.865,"confidence":0.93814903,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.025340385735034943},{"word":"call","start":1591.865,"end":1592.265,"confidence":0.9320593,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.020054582506418228},{"word":"right","start":1592.265,"end":1592.765,"confidence":0.9662893,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.026685889810323715},{"word":"yeah","start":1594.265,"end":1594.6649,"confidence":0.98937416,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0758708268404007},{"word":"hub24","start":1594.6649,"end":1595.145,"confidence":0.9930509,"punctuated_word":"HUB24","sentiment":"neutral","sentiment_score":0.07085181772708893},{"word":"is","start":1595.145,"end":1595.225,"confidence":0.52445006,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07104964554309845},{"word":"just","start":1595.225,"end":1595.385,"confidence":0.7909953,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.079161636531353},{"word":"an","start":1595.385,"end":1595.5449,"confidence":0.7998871,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.10096017271280287},{"word":"investment","start":1595.5449,"end":1596.025,"confidence":0.9989526,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.07441824674606323},{"word":"vehicle","start":1596.025,"end":1596.505,"confidence":0.72428787,"punctuated_word":"vehicle.","sentiment":"neutral","sentiment_score":0.07047880440950394},{"word":"got","start":1596.505,"end":1596.6649,"confidence":0.9926044,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.07997087389230728},{"word":"it","start":1596.6649,"end":1596.9,"confidence":0.7513648,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.06566652655601501},{"word":"it","start":1596.9,"end":1597.4,"confidence":0.9876174,"punctuated_word":"It.","sentiment":"neutral","sentiment_score":0.08648454397916794},{"word":"yeah","start":1608.66,"end":1609.06,"confidence":0.9452319,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.028122488409280777},{"word":"not","start":1609.06,"end":1609.38,"confidence":0.59766567,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.143645778298378},{"word":"really","start":1609.38,"end":1609.88,"confidence":0.47679424,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.09062332659959792},{"word":"yeah","start":1617.405,"end":1617.905,"confidence":0.99086344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.013690859079360962},{"word":"mhmm","start":1618.525,"end":1619.025,"confidence":0.9830132,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.01848224364221096},{"word":"yeah","start":1627.565,"end":1627.86,"confidence":0.9060916,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05351427942514419},{"word":"yeah","start":1628.1,"end":1628.6,"confidence":0.83094937,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1654036045074463},{"word":"no","start":1638.1799,"end":1638.58,"confidence":0.98591816,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08284156024456024},{"word":"i'm","start":1638.58,"end":1638.82,"confidence":0.99934393,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.07338574528694153},{"word":"not","start":1638.82,"end":1639.32,"confidence":0.9707202,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.08840420097112656},{"word":"yeah","start":1639.54,"end":1640.04,"confidence":0.9247111,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02885407023131847},{"word":"yeah","start":1680.9,"end":1681.4,"confidence":0.89402974,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0703699067234993},{"word":"yeah","start":1704.995,"end":1705.3949,"confidence":0.8186803,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.013375074602663515},{"word":"yeah","start":1705.3949,"end":1705.7949,"confidence":0.9110031,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.013401717878878117},{"word":"yeah","start":1705.7949,"end":1706.2949,"confidence":0.9560542,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0113953510299325},{"word":"so","start":1706.5901,"end":1706.91,"confidence":0.9973271,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01559324562549591},{"word":"i","start":1706.91,"end":1707.15,"confidence":0.9890884,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.021216005086898804},{"word":"would","start":1707.15,"end":1707.39,"confidence":0.99671185,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.02993712946772575},{"word":"yeah","start":1707.4701,"end":1707.7101,"confidence":0.98467404,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.03091180883347988},{"word":"i'd","start":1707.7101,"end":1707.87,"confidence":0.872194,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.02829771861433983},{"word":"be","start":1707.87,"end":1708.03,"confidence":0.99610823,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03618072718381882},{"word":"keen","start":1708.03,"end":1708.27,"confidence":0.9975508,"punctuated_word":"keen","sentiment":"neutral","sentiment_score":0.04535415023565293},{"word":"to","start":1708.27,"end":1708.43,"confidence":0.9970885,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04830686002969742},{"word":"understand","start":1708.43,"end":1708.93,"confidence":0.9997279,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.02743128314614296},{"word":"options","start":1708.9901,"end":1709.39,"confidence":0.9860257,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":0.025649353861808777},{"word":"i'm","start":1709.39,"end":1709.89,"confidence":0.99177635,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.005206994246691465},{"word":"i'm","start":1710.75,"end":1710.8701,"confidence":0.99636245,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.04742422327399254},{"word":"i'm","start":1710.8701,"end":1710.9901,"confidence":0.8344959,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0765470489859581},{"word":"sorry","start":1710.9901,"end":1711.31,"confidence":0.93113184,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.12598371505737305},{"word":"i'm","start":1711.31,"end":1711.7101,"confidence":0.99722016,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.14423291385173798},{"word":"squeezed","start":1711.7101,"end":1712.1101,"confidence":0.708191,"punctuated_word":"squeezed","sentiment":"neutral","sentiment_score":-0.16690805554389954},{"word":"for","start":1712.1101,"end":1712.27,"confidence":0.9984285,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.19088375568389893},{"word":"time","start":1712.27,"end":1712.5901,"confidence":0.9985891,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.15580569207668304},{"word":"i","start":1712.5901,"end":1712.75,"confidence":0.9998822,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10658970475196838},{"word":"just","start":1712.75,"end":1712.91,"confidence":0.9985613,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.10272818058729172},{"word":"had","start":1712.91,"end":1713.15,"confidence":0.9655824,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.0979672372341156},{"word":"kept","start":1713.15,"end":1713.39,"confidence":0.9755104,"punctuated_word":"kept","sentiment":"neutral","sentiment_score":-0.14921820163726807},{"word":"half","start":1713.39,"end":1713.63,"confidence":0.99911016,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.19398340582847595},{"word":"an","start":1713.63,"end":1713.79,"confidence":0.99910885,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.16841888427734375},{"word":"hour","start":1713.79,"end":1713.9501,"confidence":0.9999441,"punctuated_word":"hour","sentiment":"neutral","sentiment_score":-0.14876574277877808},{"word":"because","start":1713.9501,"end":1714.1901,"confidence":0.93504775,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.16448450088500977},{"word":"i've","start":1714.1901,"end":1714.3501,"confidence":0.92799175,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.14282892644405365},{"word":"got","start":1714.3501,"end":1714.51,"confidence":0.9566652,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.1555284559726715},{"word":"get","start":1714.5901,"end":1714.8301,"confidence":0.40065232,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.13586336374282837},{"word":"to","start":1714.8301,"end":1714.9901,"confidence":0.74303573,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13250544667243958},{"word":"got","start":1715.0701,"end":1715.2301,"confidence":0.9871154,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.13278497755527496},{"word":"to","start":1715.2301,"end":1715.31,"confidence":0.99350834,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12985268235206604},{"word":"get","start":1715.31,"end":1715.4701,"confidence":0.99832994,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.1226886436343193},{"word":"into","start":1715.4701,"end":1715.79,"confidence":0.9821755,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.11327770352363586},{"word":"another","start":1715.79,"end":1716.1901,"confidence":0.99760264,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.15279048681259155},{"word":"call","start":1716.1901,"end":1716.67,"confidence":0.91067296,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":-0.1215907782316208},{"word":"but","start":1716.67,"end":1717.17,"confidence":0.998372,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.01070546731352806},{"word":"happy","start":1717.55,"end":1717.87,"confidence":0.91661435,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.44617360830307007},{"word":"for","start":1717.87,"end":1718.1101,"confidence":0.9998381,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4619414806365967},{"word":"you","start":1718.1101,"end":1718.27,"confidence":0.9998802,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4391686022281647},{"word":"to","start":1718.27,"end":1718.43,"confidence":0.99780804,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5070883631706238},{"word":"have","start":1718.43,"end":1718.5901,"confidence":0.99990344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.444527804851532},{"word":"a","start":1718.5901,"end":1718.75,"confidence":0.9990478,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4671548008918762},{"word":"look","start":1718.75,"end":1718.9901,"confidence":0.99994636,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.49137675762176514},{"word":"at","start":1718.9901,"end":1719.0701,"confidence":0.999754,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.432807594537735},{"word":"it","start":1719.0701,"end":1719.5701,"confidence":0.8848629,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.3639722466468811},{"word":"but","start":1720.1901,"end":1720.43,"confidence":0.8063424,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.1736166924238205},{"word":"yeah","start":1720.43,"end":1720.5901,"confidence":0.9938947,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.1518770307302475},{"word":"i'm","start":1720.5901,"end":1720.8301,"confidence":0.99991345,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.15384162962436676},{"word":"just","start":1720.8301,"end":1720.9901,"confidence":0.99982953,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14207005500793457},{"word":"looking","start":1720.9901,"end":1721.31,"confidence":0.99974793,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.17812548577785492},{"word":"at","start":1721.31,"end":1721.4701,"confidence":0.99928564,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.26620617508888245},{"word":"this","start":1721.4701,"end":1721.7101,"confidence":0.998949,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.28064703941345215},{"word":"report","start":1721.7101,"end":1722.1901,"confidence":0.76271725,"punctuated_word":"report,","sentiment":"neutral","sentiment_score":0.259868860244751},{"word":"and","start":1722.1901,"end":1722.405,"confidence":0.7990173,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.13332346081733704},{"word":"obviously","start":1722.725,"end":1723.165,"confidence":0.9983854,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.09595216810703278},{"word":"benelong","start":1723.165,"end":1723.605,"confidence":0.6325642,"punctuated_word":"Benelong","sentiment":"neutral","sentiment_score":0.06370048969984055},{"word":"is","start":1723.605,"end":1723.925,"confidence":0.99794656,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06926063448190689},{"word":"the","start":1723.925,"end":1724.0851,"confidence":0.9989555,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.047157563269138336},{"word":"biggest","start":1724.0851,"end":1724.5851,"confidence":0.9455707,"punctuated_word":"biggest,","sentiment":"neutral","sentiment_score":0.0774305909872055},{"word":"which","start":1727.605,"end":1727.845,"confidence":0.8849482,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.05171506106853485},{"word":"is","start":1727.845,"end":1728.0851,"confidence":0.99856913,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.029685214161872864},{"word":"a","start":1728.0851,"end":1728.245,"confidence":0.99627185,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.028429724276065823},{"word":"little","start":1728.245,"end":1728.5651,"confidence":0.9993498,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.014711305499076843},{"word":"surprising","start":1728.5651,"end":1729.0651,"confidence":0.99918944,"punctuated_word":"surprising","sentiment":"neutral","sentiment_score":0.06223516911268234},{"word":"because","start":1729.285,"end":1729.765,"confidence":0.86344707,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.03800851851701737},{"word":"yeah","start":1729.765,"end":1729.925,"confidence":0.99718845,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.03656831011176109},{"word":"it's","start":1729.925,"end":1730.405,"confidence":0.9979404,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0923020839691162},{"word":"almost","start":1730.405,"end":1730.805,"confidence":0.7974519,"punctuated_word":"almost","sentiment":"neutral","sentiment_score":0.06312954425811768},{"word":"a","start":1730.805,"end":1730.885,"confidence":0.88212943,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0886603370308876},{"word":"20","start":1730.885,"end":1731.285,"confidence":0.99790937,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.13343243300914764},{"word":"five","start":1731.285,"end":1731.605,"confidence":0.9972071,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.15380217134952545},{"word":"percent","start":1731.605,"end":1731.925,"confidence":0.9979777,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":0.2439136803150177},{"word":"dip","start":1731.925,"end":1732.425,"confidence":0.8098763,"punctuated_word":"dip.","sentiment":"neutral","sentiment_score":-0.01073494553565979},{"word":"yeah","start":1732.5651,"end":1733.0651,"confidence":0.9710749,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.007194978184998035},{"word":"and","start":1733.4451,"end":1733.685,"confidence":0.9840613,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08251575380563736},{"word":"it's","start":1733.685,"end":1733.925,"confidence":0.9975071,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.12536808848381042},{"word":"it's","start":1733.925,"end":1734.0851,"confidence":0.95027804,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1277591437101364},{"word":"obviously","start":1734.0851,"end":1734.485,"confidence":0.8906231,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.13459688425064087},{"word":"one","start":1734.485,"end":1734.645,"confidence":0.96687096,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.08587190508842468},{"word":"of","start":1734.645,"end":1734.725,"confidence":0.9985958,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06874121725559235},{"word":"the","start":1734.725,"end":1734.805,"confidence":0.9982315,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07647846639156342},{"word":"biggest","start":1734.805,"end":1735.125,"confidence":0.99915254,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":0.10319829732179642},{"word":"not","start":1735.285,"end":1735.525,"confidence":0.99415755,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.05786901339888573},{"word":"one","start":1735.525,"end":1735.765,"confidence":0.9932734,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.05366183817386627},{"word":"of","start":1735.765,"end":1735.8049,"confidence":0.99247736,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06766083836555481},{"word":"the","start":1735.8049,"end":1735.845,"confidence":0.99523735,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06351068615913391},{"word":"biggest","start":1735.845,"end":1736.165,"confidence":0.95709676,"punctuated_word":"biggest,","sentiment":"neutral","sentiment_score":0.06972797214984894},{"word":"but","start":1736.165,"end":1736.405,"confidence":0.9273098,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":0.07399972528219223},{"word":"yeah","start":1736.405,"end":1736.725,"confidence":0.99270946,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.08553479611873627},{"word":"on","start":1736.725,"end":1736.885,"confidence":0.9439803,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08258316665887833},{"word":"the","start":1736.885,"end":1737.285,"confidence":0.9085786,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07885007560253143},{"word":"top","start":1737.285,"end":1737.785,"confidence":0.9416338,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.08934769034385681},{"word":"portfolios","start":1737.98,"end":1738.3,"confidence":0.4664828,"punctuated_word":"portfolios","sentiment":"neutral","sentiment_score":0.03904842585325241},{"word":"of","start":1738.3,"end":1738.38,"confidence":0.96408015,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.019913237541913983},{"word":"investments","start":1738.38,"end":1738.88,"confidence":0.9227774,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.02403777465224266},{"word":"yeah","start":1739.26,"end":1739.76,"confidence":0.9910096,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09282541275024414},{"word":"so","start":1740.14,"end":1740.64,"confidence":0.9921834,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05124831944704056},{"word":"i","start":1740.78,"end":1741.02,"confidence":0.9968425,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.003404073417186737},{"word":"would","start":1741.02,"end":1741.18,"confidence":0.99900347,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.027143806219100952},{"word":"have","start":1741.18,"end":1741.34,"confidence":0.9862649,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06411132216453552},{"word":"expected","start":1741.34,"end":1741.8201,"confidence":0.9992318,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":-0.01761782169342041},{"word":"a","start":1741.8201,"end":1741.9,"confidence":0.9895132,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01184198632836342},{"word":"better","start":1741.9,"end":1742.4,"confidence":0.99386483,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.004206180572509766},{"word":"management","start":1742.7001,"end":1743.2001,"confidence":0.9992612,"punctuated_word":"management","sentiment":"neutral","sentiment_score":-0.056587785482406616},{"word":"of","start":1743.26,"end":1743.42,"confidence":0.99915266,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1080535128712654},{"word":"this","start":1743.42,"end":1743.66,"confidence":0.9973683,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1409343183040619},{"word":"to","start":1743.66,"end":1743.9,"confidence":0.8400283,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13303951919078827},{"word":"be","start":1743.9,"end":1744.06,"confidence":0.9983852,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10548216104507446},{"word":"fair","start":1744.06,"end":1744.56,"confidence":0.996065,"punctuated_word":"fair.","sentiment":"neutral","sentiment_score":0.12129612267017365},{"word":"yeah","start":1746.86,"end":1747.36,"confidence":0.9652174,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06499207764863968},{"word":"yeah","start":1762.2251,"end":1762.7251,"confidence":0.97960544,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04798762872815132},{"word":"yeah","start":1764.305,"end":1764.7051,"confidence":0.89692473,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03841667249798775},{"word":"yeah","start":1764.7051,"end":1765.2051,"confidence":0.94324744,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.033617548644542694},{"word":"got","start":1769.03,"end":1769.53,"confidence":0.9754912,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":-0.09274177998304368},{"word":"it","start":1770.63,"end":1770.87,"confidence":0.9980224,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.05632932484149933},{"word":"i","start":1770.87,"end":1771.11,"confidence":0.72270447,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0022106245160102844},{"word":"yeah","start":1772.63,"end":1773.03,"confidence":0.987697,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.05939720571041107},{"word":"yeah","start":1773.03,"end":1773.19,"confidence":0.8368658,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04989314079284668},{"word":"so","start":1773.19,"end":1773.4299,"confidence":0.9269644,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03810004144906998},{"word":"if","start":1773.4299,"end":1773.51,"confidence":0.9955895,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04958651959896088},{"word":"you","start":1773.51,"end":1773.6699,"confidence":0.999388,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04109214246273041},{"word":"can","start":1773.6699,"end":1773.91,"confidence":0.99990404,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03406397998332977},{"word":"maybe","start":1773.91,"end":1774.41,"confidence":0.88922775,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.03813576325774193},{"word":"schedule","start":1774.5499,"end":1774.95,"confidence":0.9080631,"punctuated_word":"schedule","sentiment":"neutral","sentiment_score":0.056948620826005936},{"word":"another","start":1774.95,"end":1775.27,"confidence":0.96421945,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.05010393261909485},{"word":"time","start":1775.27,"end":1775.77,"confidence":0.9984036,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.05904383957386017},{"word":"where","start":1776.07,"end":1776.39,"confidence":0.8891331,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.07670146226882935},{"word":"we","start":1776.39,"end":1776.5499,"confidence":0.99985564,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1040094867348671},{"word":"can","start":1776.5499,"end":1776.71,"confidence":0.99963117,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09861449152231216},{"word":"go","start":1776.71,"end":1776.87,"confidence":0.99954695,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.12698782980442047},{"word":"through","start":1776.87,"end":1777.03,"confidence":0.9817646,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07107129693031311},{"word":"in","start":1777.03,"end":1777.19,"confidence":0.98347294,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06943333148956299},{"word":"a","start":1777.19,"end":1777.35,"confidence":0.9980069,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07408732175827026},{"word":"bit","start":1777.35,"end":1777.51,"confidence":0.9939195,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07167098671197891},{"word":"more","start":1777.51,"end":1777.6699,"confidence":0.90535825,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.05603884533047676},{"word":"detail","start":1777.6699,"end":1778.07,"confidence":0.950511,"punctuated_word":"detail,","sentiment":"neutral","sentiment_score":0.05861131101846695},{"word":"that's","start":1778.07,"end":1778.39,"confidence":0.9998094,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.09727859497070312},{"word":"fine","start":1778.39,"end":1778.865,"confidence":0.99981344,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.14736875891685486},{"word":"just","start":1778.945,"end":1779.1849,"confidence":0.99947625,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.08141589164733887},{"word":"one","start":1779.1849,"end":1779.345,"confidence":0.99981886,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.01094895787537098},{"word":"question","start":1779.345,"end":1779.665,"confidence":0.81947273,"punctuated_word":"question.","sentiment":"neutral","sentiment_score":0.006357909180223942},{"word":"what","start":1779.665,"end":1779.905,"confidence":0.99933213,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.004809113219380379},{"word":"is","start":1779.905,"end":1780.065,"confidence":0.999619,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.004166685044765472},{"word":"the","start":1780.065,"end":1780.225,"confidence":0.97351724,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.014023438096046448},{"word":"withdrawal","start":1780.225,"end":1780.725,"confidence":0.99530375,"punctuated_word":"withdrawal","sentiment":"neutral","sentiment_score":-0.017111163586378098},{"word":"amount","start":1781.105,"end":1781.425,"confidence":0.999728,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.030628735199570656},{"word":"of","start":1781.425,"end":1781.665,"confidence":0.99978584,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02214106358587742},{"word":"$12,000","start":1781.665,"end":1782.8049,"confidence":0.99955523,"punctuated_word":"$12,000","sentiment":"neutral","sentiment_score":-0.003028145059943199},{"word":"on","start":1783.905,"end":1784.145,"confidence":0.97611237,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0023459605872631073},{"word":"this","start":1784.145,"end":1784.545,"confidence":0.9997923,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.0022314488887786865},{"word":"portfolio","start":1784.545,"end":1785.045,"confidence":0.9988828,"punctuated_word":"portfolio?","sentiment":"neutral","sentiment_score":-0.01575249433517456},{"word":"yeah","start":1795.6,"end":1795.9199,"confidence":0.9388583,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1450674831867218},{"word":"but","start":1795.9199,"end":1796.16,"confidence":0.99302566,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.1931723654270172},{"word":"this","start":1796.16,"end":1796.4,"confidence":0.8563364,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.24851325154304504},{"word":"seems","start":1796.4,"end":1796.64,"confidence":0.9992599,"punctuated_word":"seems","sentiment":"neutral","sentiment_score":-0.21868005394935608},{"word":"to","start":1796.64,"end":1796.7999,"confidence":0.9987305,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.23137524724006653},{"word":"be","start":1796.7999,"end":1797.0399,"confidence":0.9997191,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2462638020515442},{"word":"too","start":1797.0399,"end":1797.36,"confidence":0.99781847,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.3116113245487213},{"word":"high","start":1797.36,"end":1797.76,"confidence":0.9998623,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.2883368134498596},{"word":"in","start":1797.76,"end":1798.0,"confidence":0.48566112,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.29863983392715454},{"word":"i","start":1798.24,"end":1798.4,"confidence":0.92232746,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.238846093416214},{"word":"understand","start":1798.4,"end":1798.9,"confidence":0.9876682,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":-0.28215596079826355},{"word":"investments","start":1798.96,"end":1799.46,"confidence":0.96949,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.24597078561782837},{"word":"sorry","start":1799.84,"end":1800.16,"confidence":0.6215638,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.2785279154777527},{"word":"insurance","start":1800.16,"end":1800.64,"confidence":0.9947649,"punctuated_word":"Insurance","sentiment":"neutral","sentiment_score":-0.2873299717903137},{"word":"and","start":1800.64,"end":1800.7999,"confidence":0.95564044,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2236110270023346},{"word":"all","start":1800.7999,"end":1800.96,"confidence":0.9940357,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.23120783269405365},{"word":"is","start":1800.96,"end":1801.12,"confidence":0.9236983,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.22650514543056488},{"word":"there","start":1801.12,"end":1801.44,"confidence":0.9179296,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.22886964678764343},{"word":"but","start":1801.44,"end":1801.6,"confidence":0.9997117,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.22741937637329104},{"word":"it's","start":1801.6,"end":1801.76,"confidence":0.9991948,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2421777546405792},{"word":"probably","start":1801.76,"end":1802.26,"confidence":0.997341,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.25086405873298645},{"word":"plus","start":1803.12,"end":1803.6,"confidence":0.96326005,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":-0.17117606103420258},{"word":"investment","start":1803.6,"end":1804.1,"confidence":0.95817363,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":-0.21287423372268677},{"word":"yeah","start":1804.32,"end":1804.605,"confidence":0.99518144,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01998618990182877},{"word":"yeah","start":1811.245,"end":1811.565,"confidence":0.9886824,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.005275454372167587},{"word":"if","start":1811.565,"end":1811.725,"confidence":0.72389764,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.03431064635515213},{"word":"you","start":1811.725,"end":1811.885,"confidence":0.9913009,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04775643348693848},{"word":"can","start":1811.885,"end":1812.125,"confidence":0.9509241,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":-0.07709106057882309},{"word":"please","start":1812.125,"end":1812.625,"confidence":0.9887067,"punctuated_word":"please.","sentiment":"neutral","sentiment_score":-0.0725099965929985},{"word":"yeah","start":1812.6849,"end":1813.1849,"confidence":0.9960073,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01896381378173828},{"word":"yeah","start":1823.9,"end":1824.3,"confidence":0.9921993,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03884667158126831},{"word":"maybe","start":1824.3,"end":1824.78,"confidence":0.97162306,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":0.040616992861032486},{"word":"next","start":1824.78,"end":1825.1,"confidence":0.9823382,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.03634774684906006},{"word":"week","start":1825.1,"end":1825.34,"confidence":0.74580634,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.09746484458446504},{"word":"if","start":1825.34,"end":1825.5,"confidence":0.58320016,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12097333371639252},{"word":"we","start":1825.5,"end":1825.66,"confidence":0.8662794,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11655333638191225},{"word":"can","start":1825.66,"end":1825.82,"confidence":0.99337596,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12739655375480652},{"word":"schedule","start":1825.82,"end":1826.22,"confidence":0.99546826,"punctuated_word":"schedule","sentiment":"neutral","sentiment_score":0.11104589700698853},{"word":"half","start":1826.22,"end":1826.38,"confidence":0.9861363,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.13543638586997986},{"word":"an","start":1826.38,"end":1826.54,"confidence":0.9943445,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.11458083242177965},{"word":"hour","start":1826.54,"end":1826.86,"confidence":0.7611655,"punctuated_word":"hour,","sentiment":"neutral","sentiment_score":0.12928882241249084},{"word":"i","start":1826.86,"end":1826.94,"confidence":0.9920128,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12841156125068665},{"word":"think","start":1826.94,"end":1827.18,"confidence":0.8304541,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":0.12833167612552643},{"word":"like","start":1827.18,"end":1827.34,"confidence":0.9728248,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1388479471206665},{"word":"we","start":1827.34,"end":1827.5,"confidence":0.9978403,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15639102458953855},{"word":"can","start":1827.5,"end":1827.74,"confidence":0.99900156,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15605536103248596},{"word":"get","start":1827.74,"end":1827.9,"confidence":0.99411124,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.15270884335041046},{"word":"on","start":1827.9,"end":1828.0599,"confidence":0.41698566,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.14373202621936798},{"word":"to","start":1828.0599,"end":1828.22,"confidence":0.60028636,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1321508288383484},{"word":"call","start":1828.22,"end":1828.46,"confidence":0.8879113,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.1202540472149849},{"word":"next","start":1828.46,"end":1828.7,"confidence":0.99034154,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.13416683673858645},{"word":"week","start":1828.7,"end":1828.86,"confidence":0.6252073,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.14607228338718414},{"word":"and","start":1828.86,"end":1829.1,"confidence":0.76464224,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.1712760329246521},{"word":"yeah","start":1829.1,"end":1829.26,"confidence":0.98249674,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.1882779598236084},{"word":"do","start":1829.26,"end":1829.625,"confidence":0.9893469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15578894317150116},{"word":"that","start":1829.625,"end":1829.945,"confidence":0.9937199,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.18877214193344116},{"word":"yep","start":1829.945,"end":1830.445,"confidence":0.9736577,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0733252465724945},{"word":"okay","start":1838.585,"end":1838.745,"confidence":0.99601793,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.009350696578621864},{"word":"monday","start":1838.745,"end":1839.245,"confidence":0.2048114,"punctuated_word":"Monday","sentiment":"neutral","sentiment_score":-0.00232720747590065},{"word":"sorry","start":1839.465,"end":1839.705,"confidence":0.71717346,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.0057052131742239},{"word":"tuesday","start":1839.705,"end":1840.205,"confidence":0.97554314,"punctuated_word":"Tuesday.","sentiment":"neutral","sentiment_score":0.016886025667190552},{"word":"yeah","start":1840.265,"end":1840.765,"confidence":0.73459685,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03289244696497917},{"word":"can","start":1850.76,"end":1850.92,"confidence":0.9968593,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.05285007134079933},{"word":"we","start":1850.92,"end":1851.16,"confidence":0.9991301,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07524731755256653},{"word":"do","start":1851.16,"end":1851.48,"confidence":0.99986327,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06104813888669014},{"word":"half","start":1851.48,"end":1851.72,"confidence":0.9971142,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.09704774618148804},{"word":"an","start":1851.72,"end":1851.88,"confidence":0.9939083,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06898711621761322},{"word":"hour","start":1851.88,"end":1852.04,"confidence":0.999899,"punctuated_word":"hour","sentiment":"neutral","sentiment_score":0.08886002004146576},{"word":"later","start":1852.04,"end":1852.54,"confidence":0.9993068,"punctuated_word":"later","sentiment":"neutral","sentiment_score":0.06408138573169708},{"word":"on","start":1852.92,"end":1853.16,"confidence":0.97368073,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.054619260132312775},{"word":"a","start":1853.16,"end":1853.3201,"confidence":0.8835933,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.061258986592292786},{"word":"monday","start":1853.3201,"end":1853.715,"confidence":0.9992705,"punctuated_word":"Monday","sentiment":"neutral","sentiment_score":0.04961651936173439},{"word":"next","start":1854.0349,"end":1854.195,"confidence":0.9989323,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.06316319853067398},{"word":"week","start":1854.195,"end":1854.695,"confidence":0.99835837,"punctuated_word":"week?","sentiment":"neutral","sentiment_score":0.041641585528850555},{"word":"yep","start":1863.235,"end":1863.735,"confidence":0.9738259,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0708419680595398},{"word":"yeah","start":1864.515,"end":1864.755,"confidence":0.98878956,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0951220840215683},{"word":"yeah","start":1864.755,"end":1865.255,"confidence":0.9824394,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11376385390758514},{"word":"yeah","start":1866.0349,"end":1866.5349,"confidence":0.8045529,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06955833733081818},{"word":"yep","start":1871.28,"end":1871.78,"confidence":0.8037417,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15212619304656982},{"word":"yeah","start":1875.28,"end":1875.78,"confidence":0.919533,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3584110736846924},{"word":"sure","start":1877.52,"end":1877.92,"confidence":0.9900613,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.21121762692928311},{"word":"if","start":1877.92,"end":1878.0,"confidence":0.9987431,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.20112450420856476},{"word":"you","start":1878.0,"end":1878.16,"confidence":0.9998945,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15321248769760132},{"word":"can","start":1878.16,"end":1878.32,"confidence":0.9997714,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1436782032251358},{"word":"just","start":1878.32,"end":1878.48,"confidence":0.9959825,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15005458891391754},{"word":"send","start":1878.48,"end":1878.72,"confidence":0.9987037,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.11963218450546265},{"word":"me","start":1878.72,"end":1878.7999,"confidence":0.99948764,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.13564960658550262},{"word":"some","start":1878.7999,"end":1878.96,"confidence":0.9998287,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.088015116751194},{"word":"details","start":1878.96,"end":1879.36,"confidence":0.99926645,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.13278986513614657},{"word":"on","start":1879.36,"end":1879.6,"confidence":0.99948835,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13919928669929504},{"word":"the","start":1879.6,"end":1879.76,"confidence":0.9953187,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1400032490491867},{"word":"withdrawals","start":1879.76,"end":1880.26,"confidence":0.98642886,"punctuated_word":"withdrawals","sentiment":"neutral","sentiment_score":0.1533917486667633},{"word":"as","start":1880.4,"end":1880.5599,"confidence":0.98512936,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1398065686225891},{"word":"well","start":1880.5599,"end":1880.7999,"confidence":0.9934512,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.1439407765865326},{"word":"please","start":1880.7999,"end":1881.2999,"confidence":0.9088414,"punctuated_word":"please.","sentiment":"neutral","sentiment_score":0.11457152664661407},{"word":"would","start":1881.605,"end":1881.845,"confidence":0.8735013,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.06551221013069153},{"word":"like","start":1881.845,"end":1881.925,"confidence":0.99883467,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.01209302432835102},{"word":"to","start":1881.925,"end":1882.165,"confidence":0.99916816,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01973932795226574},{"word":"understand","start":1882.165,"end":1882.5651,"confidence":0.8289604,"punctuated_word":"understand.","sentiment":"neutral","sentiment_score":0.006215400993824005},{"word":"and","start":1882.5651,"end":1882.725,"confidence":0.99848336,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.07169315218925476},{"word":"then","start":1882.725,"end":1882.965,"confidence":0.7702459,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":-0.076860211789608},{"word":"yeah","start":1882.965,"end":1883.125,"confidence":0.93447113,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.07886707782745361},{"word":"obviously","start":1883.125,"end":1883.525,"confidence":0.9447305,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.08979414403438568},{"word":"this","start":1883.525,"end":1883.685,"confidence":0.98842746,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.1147005930542946},{"word":"could","start":1883.685,"end":1883.925,"confidence":0.97712666,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.07998969405889511},{"word":"be","start":1883.925,"end":1884.0851,"confidence":0.9963259,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07007139921188354},{"word":"yeah","start":1885.125,"end":1885.625,"confidence":0.9653259,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.040376052260398865},{"word":"really","start":1885.685,"end":1886.185,"confidence":0.5123456,"punctuated_word":"Really","sentiment":"neutral","sentiment_score":-0.11983666568994522},{"word":"the","start":1887.125,"end":1887.285,"confidence":0.97266734,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3478497862815857},{"word":"managed","start":1887.285,"end":1887.685,"confidence":0.81788015,"punctuated_word":"managed","sentiment":"negative","sentiment_score":-0.3855817914009094},{"word":"one","start":1887.685,"end":1887.845,"confidence":0.6876097,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.2889229357242584},{"word":"is","start":1887.845,"end":1888.0851,"confidence":0.9868934,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.3421797454357147},{"word":"is","start":1888.0851,"end":1888.165,"confidence":0.99077576,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.39508652687072754},{"word":"yeah","start":1888.3251,"end":1888.5651,"confidence":0.98378253,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.32741379737854004},{"word":"it's","start":1888.5651,"end":1888.965,"confidence":0.99709505,"punctuated_word":"It's","sentiment":"negative","sentiment_score":-0.5735699534416199},{"word":"very","start":1888.965,"end":1889.4451,"confidence":0.9865739,"punctuated_word":"very","sentiment":"negative","sentiment_score":-0.6559202671051025},{"word":"poorly","start":1889.4451,"end":1889.845,"confidence":0.9951846,"punctuated_word":"poorly","sentiment":"negative","sentiment_score":-0.6197373270988464},{"word":"performed","start":1889.845,"end":1890.3251,"confidence":0.9238299,"punctuated_word":"performed.","sentiment":"negative","sentiment_score":-0.5606986880302429},{"word":"so","start":1890.3251,"end":1890.8251,"confidence":0.9968395,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.2727034389972687},{"word":"yeah","start":1892.0851,"end":1892.5851,"confidence":0.9966439,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.11578934639692308},{"word":"yeah","start":1894.405,"end":1894.725,"confidence":0.99781144,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.013859644532203674},{"word":"yeah","start":1894.725,"end":1894.965,"confidence":0.9746902,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.004233421757817268},{"word":"absolutely","start":1894.965,"end":1895.465,"confidence":0.9069084,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.011983055621385574},{"word":"so","start":1897.84,"end":1898.08,"confidence":0.97808754,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.09249559789896011},{"word":"why","start":1898.08,"end":1898.32,"confidence":0.9667468,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.09055759757757188},{"word":"was","start":1898.32,"end":1898.5599,"confidence":0.99372077,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.09793312102556229},{"word":"it","start":1898.5599,"end":1898.7999,"confidence":0.9973679,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.12165231257677078},{"word":"left","start":1898.7999,"end":1899.0399,"confidence":0.996854,"punctuated_word":"left","sentiment":"neutral","sentiment_score":-0.16625802218914032},{"word":"for","start":1899.0399,"end":1899.2799,"confidence":0.99929595,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1364542841911316},{"word":"so","start":1899.2799,"end":1899.44,"confidence":0.9983134,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.14170274138450625},{"word":"long","start":1899.44,"end":1899.94,"confidence":0.9998423,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.12673163414001465},{"word":"in","start":1901.2,"end":1901.36,"confidence":0.9743197,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.17411011457443237},{"word":"the","start":1901.36,"end":1901.52,"confidence":0.9996107,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11294715106487274},{"word":"portfolio","start":1901.52,"end":1902.02,"confidence":0.99758697,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.2074826955795288},{"word":"if","start":1902.08,"end":1902.32,"confidence":0.6877625,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07657545059919357},{"word":"it","start":1902.32,"end":1902.3999,"confidence":0.99898165,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.25179430842399597},{"word":"was","start":1902.3999,"end":1902.64,"confidence":0.9974015,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.2931428551673889},{"word":"underperforming","start":1902.64,"end":1903.14,"confidence":0.9587852,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.28442591428756714},{"word":"and","start":1903.36,"end":1903.86,"confidence":0.87759745,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2755199670791626},{"word":"you","start":1904.32,"end":1904.48,"confidence":0.95143807,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.24417613446712497},{"word":"guys","start":1904.48,"end":1904.72,"confidence":0.93873614,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":-0.24808812141418457},{"word":"had","start":1904.72,"end":1904.88,"confidence":0.98310155,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.26021134853363037},{"word":"some","start":1904.88,"end":1905.38,"confidence":0.9987698,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.23847416043281555},{"word":"signals","start":1905.52,"end":1906.02,"confidence":0.96192396,"punctuated_word":"signals","sentiment":"neutral","sentiment_score":-0.20055744051933289},{"word":"on","start":1906.08,"end":1906.48,"confidence":0.9976738,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.17660488188266754},{"word":"it","start":1906.48,"end":1906.64,"confidence":0.96633476,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.20482099056243896},{"word":"going","start":1906.64,"end":1906.88,"confidence":0.99449027,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.22320601344108584},{"word":"down","start":1906.88,"end":1907.38,"confidence":0.9899663,"punctuated_word":"down?","sentiment":"neutral","sentiment_score":-0.1657080352306366},{"word":"yeah","start":1961.915,"end":1962.3151,"confidence":0.9702252,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.018607936799526215},{"word":"yeah","start":1962.3151,"end":1962.635,"confidence":0.9961613,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.029522061347961422},{"word":"i","start":1962.635,"end":1962.795,"confidence":0.9161295,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.020233742892742157},{"word":"would","start":1962.795,"end":1963.115,"confidence":0.9819534,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.024108227342367172},{"word":"want","start":1963.115,"end":1963.355,"confidence":0.984021,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.02944418042898178},{"word":"some","start":1963.355,"end":1963.515,"confidence":0.9993857,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.011239580810070038},{"word":"details","start":1963.515,"end":1963.915,"confidence":0.99556726,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.04153652861714363},{"word":"on","start":1963.915,"end":1964.155,"confidence":0.9992292,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03493857383728027},{"word":"the","start":1964.155,"end":1964.655,"confidence":0.9990632,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02339569106698036},{"word":"on","start":1964.7151,"end":1964.9551,"confidence":0.8320607,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04515779763460159},{"word":"the","start":1964.9551,"end":1965.115,"confidence":0.99922657,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03682684525847435},{"word":"overall","start":1965.115,"end":1965.515,"confidence":0.9930072,"punctuated_word":"overall","sentiment":"neutral","sentiment_score":0.055858660489320755},{"word":"portfolio","start":1965.515,"end":1966.015,"confidence":0.99935216,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.016596533358097076},{"word":"as","start":1966.0751,"end":1966.3151,"confidence":0.99732864,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05423644930124283},{"word":"well","start":1966.3151,"end":1966.8151,"confidence":0.9977143,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.0312824584543705},{"word":"if","start":1968.635,"end":1968.795,"confidence":0.8877563,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.020478134974837303},{"word":"i","start":1968.795,"end":1968.9551,"confidence":0.9939739,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01682244800031185},{"word":"look","start":1968.9551,"end":1969.115,"confidence":0.9980107,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.03222894296050072},{"word":"at","start":1969.115,"end":1969.1951,"confidence":0.9975146,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.04059620201587677},{"word":"the","start":1969.1951,"end":1969.355,"confidence":0.9958584,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03439480438828468},{"word":"start","start":1969.355,"end":1969.5951,"confidence":0.9948415,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.01966359093785286},{"word":"of","start":1969.5951,"end":1969.755,"confidence":0.9970196,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.018717631697654724},{"word":"the","start":1969.755,"end":1969.8351,"confidence":0.9970374,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.019353173673152924},{"word":"period","start":1969.8351,"end":1970.3351,"confidence":0.9438561,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":-0.01253801491111517},{"word":"$1.85","start":1970.475,"end":1971.1951,"confidence":0.98538184,"punctuated_word":"$1.85"},{"word":"k","start":1971.1951,"end":1971.435,"confidence":0.8357495,"punctuated_word":"k,","sentiment":"neutral","sentiment_score":0.015192672610282898},{"word":"and","start":1971.435,"end":1971.675,"confidence":0.99340516,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013214441016316414},{"word":"if","start":1971.675,"end":1971.8351,"confidence":0.98799604,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.013181863352656364},{"word":"i","start":1971.8351,"end":1971.995,"confidence":0.98836577,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.013848640955984592},{"word":"look","start":1971.995,"end":1972.0751,"confidence":0.65780526,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.011401556432247162},{"word":"just","start":1972.155,"end":1972.395,"confidence":0.9948396,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.01172483991831541},{"word":"look","start":1972.395,"end":1972.555,"confidence":0.92766416,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.007909640669822693},{"word":"at","start":1972.555,"end":1972.635,"confidence":0.98082274,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.014572260901331902},{"word":"the","start":1972.635,"end":1972.7151,"confidence":0.9453133,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01298423297703266},{"word":"bottom","start":1972.7151,"end":1973.01,"confidence":0.9352676,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.01494767889380455},{"word":"line","start":1973.01,"end":1973.25,"confidence":0.7642531,"punctuated_word":"line.","sentiment":"neutral","sentiment_score":0.017801452428102493},{"word":"right","start":1973.25,"end":1973.75,"confidence":0.993152,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.02342437580227852},{"word":"bottom","start":1973.97,"end":1974.47,"confidence":0.98985636,"punctuated_word":"Bottom","sentiment":"neutral","sentiment_score":0.0168057419359684},{"word":"second","start":1974.6901,"end":1974.93,"confidence":0.9525509,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.01900644414126873},{"word":"page","start":1974.93,"end":1975.43,"confidence":0.7622982,"punctuated_word":"page.","sentiment":"neutral","sentiment_score":0.025073781609535217},{"word":"$185","start":1976.29,"end":1977.25,"confidence":0.9854961,"punctuated_word":"$185","sentiment":"neutral","sentiment_score":0.1040278971195221},{"word":"at","start":1977.25,"end":1977.41,"confidence":0.9920879,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0714636743068695},{"word":"the","start":1977.41,"end":1977.5701,"confidence":0.99899465,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1084337905049324},{"word":"start","start":1977.5701,"end":1978.05,"confidence":0.99983275,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.161863312125206},{"word":"investments","start":1978.05,"end":1978.55,"confidence":0.39002216,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.06528468430042267},{"word":"of","start":1978.93,"end":1979.09,"confidence":0.9983133,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09368044137954712},{"word":"31,000","start":1979.09,"end":1979.81,"confidence":0.9805167,"punctuated_word":"31,000,","sentiment":"neutral","sentiment_score":0.09920227527618408},{"word":"which","start":1979.81,"end":1979.97,"confidence":0.99983144,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.1329389065504074},{"word":"is","start":1979.97,"end":1980.13,"confidence":0.99441814,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12419147789478302},{"word":"basically","start":1980.13,"end":1980.45,"confidence":0.98776627,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.14941060543060303},{"word":"a","start":1980.45,"end":1980.53,"confidence":0.9960026,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17611078917980194},{"word":"super","start":1980.53,"end":1980.77,"confidence":0.9969843,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.27368098497390747},{"word":"contribution","start":1980.77,"end":1981.17,"confidence":0.93816453,"punctuated_word":"contribution,","sentiment":"neutral","sentiment_score":0.2531309127807617},{"word":"i","start":1981.17,"end":1981.33,"confidence":0.9997818,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1965572685003281},{"word":"believe","start":1981.33,"end":1981.65,"confidence":0.8109176,"punctuated_word":"believe.","sentiment":"neutral","sentiment_score":0.1882021129131317},{"word":"$31,004.81","start":1981.65,"end":1983.35,"confidence":0.96214414,"punctuated_word":"$31,004.81","sentiment":"neutral","sentiment_score":0.10143470019102097},{"word":"binds","start":1983.89,"end":1984.39,"confidence":0.377881,"punctuated_word":"binds.","sentiment":"neutral","sentiment_score":0.12250536680221558},{"word":"that","start":1984.61,"end":1984.93,"confidence":0.7427684,"punctuated_word":"That,","sentiment":"neutral","sentiment_score":0.18220984935760495},{"word":"i","start":1984.93,"end":1985.01,"confidence":0.9997149,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18154430389404297},{"word":"believe","start":1985.01,"end":1985.33,"confidence":0.98458636,"punctuated_word":"believe,","sentiment":"neutral","sentiment_score":0.20664197206497192},{"word":"is","start":1985.33,"end":1985.49,"confidence":0.9981585,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16990163922309875},{"word":"the","start":1985.49,"end":1985.65,"confidence":0.8431133,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1669175624847412},{"word":"super","start":1985.65,"end":1985.97,"confidence":0.9880222,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3334663212299347},{"word":"from","start":1986.13,"end":1986.45,"confidence":0.9430901,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.21893030405044556},{"word":"super","start":1986.45,"end":1986.77,"confidence":0.4009526,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.28560084104537964},{"word":"contribution","start":1986.77,"end":1987.27,"confidence":0.93371344,"punctuated_word":"contribution.","sentiment":"neutral","sentiment_score":0.188376784324646},{"word":"that","start":1989.5349,"end":1989.7749,"confidence":0.9819732,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.17068764567375183},{"word":"would","start":1989.7749,"end":1990.095,"confidence":0.9995092,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1604173183441162},{"word":"put","start":1990.095,"end":1990.495,"confidence":0.99785477,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.13334137201309204},{"word":"me","start":1990.495,"end":1990.8949,"confidence":0.96730185,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.16373270750045776},{"word":"at","start":1990.8949,"end":1991.1349,"confidence":0.899299,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1593324840068817},{"word":"$2,215,000","start":1991.1349,"end":1994.355,"confidence":0.93423694,"punctuated_word":"$2,215,000,","sentiment":"neutral","sentiment_score":0.1600247174501419},{"word":"and","start":1994.4149,"end":1994.9149,"confidence":0.9991578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09622608125209808},{"word":"i","start":1998.0149,"end":1998.095,"confidence":0.9591688,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03764066845178604},{"word":"would","start":1998.095,"end":1998.4149,"confidence":0.9996228,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0495905764400959},{"word":"then","start":1998.4149,"end":1998.6549,"confidence":0.99888605,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.05232543498277664},{"word":"expect","start":1998.6549,"end":1999.1549,"confidence":0.9997079,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":0.025846950709819794},{"word":"certain","start":2000.0149,"end":2000.5149,"confidence":0.998338,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":0.03894630819559097},{"word":"growth","start":2000.735,"end":2001.235,"confidence":0.8395475,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.09264756739139555},{"word":"which","start":2001.5801,"end":2001.8201,"confidence":0.9997569,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.07485517859458923},{"word":"would","start":2001.8201,"end":2002.1001,"confidence":0.9989108,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.07756416499614716},{"word":"then","start":2002.1001,"end":2002.38,"confidence":0.9993703,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06305339932441711},{"word":"pay","start":2002.38,"end":2002.62,"confidence":0.9635921,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.044818729162216187},{"word":"off","start":2002.62,"end":2003.1001,"confidence":0.9955916,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.007998105138540268},{"word":"the","start":2003.1001,"end":2003.6001,"confidence":0.9990571,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.001161426305770874},{"word":"fees","start":2004.3,"end":2004.62,"confidence":0.9953236,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.033525481820106506},{"word":"and","start":2004.62,"end":2004.86,"confidence":0.99605995,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01901604980230331},{"word":"the","start":2004.86,"end":2004.9401,"confidence":0.75988704,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.010215550661087036},{"word":"insurances","start":2004.9401,"end":2005.4401,"confidence":0.99532026,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":0.006276204250752926},{"word":"so","start":2009.5,"end":2009.66,"confidence":0.59473646,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.05064375698566437},{"word":"ideally","start":2009.66,"end":2010.16,"confidence":0.9142883,"punctuated_word":"ideally","sentiment":"neutral","sentiment_score":-0.07789379358291626},{"word":"so","start":2010.62,"end":2010.78,"confidence":0.99299157,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.01305488497018814},{"word":"the","start":2010.78,"end":2010.9401,"confidence":0.995659,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06118036061525345},{"word":"market","start":2010.9401,"end":2011.26,"confidence":0.9997477,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.05707922577857971},{"word":"value","start":2011.26,"end":2011.74,"confidence":0.99966145,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.1190664917230606},{"word":"is","start":2011.74,"end":2011.9801,"confidence":0.99939203,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.007884085178375244},{"word":"actually","start":2011.9801,"end":2012.4601,"confidence":0.98278666,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.009010881185531616},{"word":"less","start":2012.4601,"end":2012.78,"confidence":0.9985367,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.07654167711734772},{"word":"than","start":2012.78,"end":2013.1001,"confidence":0.9986833,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.034707874059677124},{"word":"the","start":2013.1001,"end":2013.6001,"confidence":0.9980484,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.047080911695957184},{"word":"starting","start":2014.78,"end":2015.1001,"confidence":0.9985366,"punctuated_word":"starting","sentiment":"neutral","sentiment_score":-0.02257080376148224},{"word":"position","start":2015.1001,"end":2015.5801,"confidence":0.99913293,"punctuated_word":"position","sentiment":"neutral","sentiment_score":0.0008410438895225525},{"word":"plus","start":2015.5801,"end":2015.74,"confidence":0.84342575,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.051578909158706665},{"word":"the","start":2015.74,"end":2015.9,"confidence":0.9966215,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0228121355175972},{"word":"deposits","start":2015.9,"end":2016.4,"confidence":0.9958234,"punctuated_word":"deposits","sentiment":"neutral","sentiment_score":-0.02012890577316284},{"word":"made","start":2016.54,"end":2016.7001,"confidence":0.99660766,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.029174581170082092},{"word":"in","start":2016.7001,"end":2016.78,"confidence":0.9729873,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.006603658199310303},{"word":"that","start":2016.78,"end":2017.02,"confidence":0.745918,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.009190313518047333},{"word":"just","start":2017.02,"end":2017.335,"confidence":0.97380155,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03845212236046791},{"word":"110,000","start":2017.4149,"end":2018.695,"confidence":0.7964549,"punctuated_word":"110,000.","sentiment":"neutral","sentiment_score":0.0733276754617691},{"word":"right","start":2018.695,"end":2019.015,"confidence":0.99345267,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.0056418683379888535},{"word":"just","start":2019.015,"end":2019.335,"confidence":0.9246899,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.08355692028999329},{"word":"just","start":2019.335,"end":2019.495,"confidence":0.9666608,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.17117363214492798},{"word":"on","start":2019.495,"end":2019.735,"confidence":0.9950138,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.21697470545768735},{"word":"that","start":2019.735,"end":2019.895,"confidence":0.9970091,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.20332632958889008},{"word":"basis","start":2019.895,"end":2020.2949,"confidence":0.8953226,"punctuated_word":"basis,","sentiment":"neutral","sentiment_score":-0.19272907078266144},{"word":"it","start":2020.2949,"end":2020.455,"confidence":0.9978629,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.23822790384292605},{"word":"is","start":2020.455,"end":2020.615,"confidence":0.9986632,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2403503656387329},{"word":"less","start":2020.615,"end":2021.115,"confidence":0.93679285,"punctuated_word":"less.","sentiment":"neutral","sentiment_score":-0.1820735335350037},{"word":"so","start":2021.1749,"end":2021.4149,"confidence":0.9985191,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06695355474948883},{"word":"i'm","start":2021.4149,"end":2021.575,"confidence":0.9963423,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.08224751055240631},{"word":"just","start":2021.575,"end":2021.735,"confidence":0.9995166,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06833276152610779},{"word":"yeah","start":2021.895,"end":2022.215,"confidence":0.91489553,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.06393986940383911},{"word":"a","start":2022.215,"end":2022.2949,"confidence":0.40338248,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.08264661580324173},{"word":"little","start":2022.2949,"end":2022.7949,"confidence":0.9994165,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.09344547241926192},{"word":"i'm","start":2024.0549,"end":2024.2949,"confidence":0.99880326,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.05039854347705841},{"word":"not","start":2024.2949,"end":2024.455,"confidence":0.99935323,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2173359990119934},{"word":"able","start":2024.455,"end":2024.695,"confidence":0.99738747,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.15822958946228027},{"word":"to","start":2024.695,"end":2024.855,"confidence":0.99862635,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.22165700793266296},{"word":"understand","start":2024.855,"end":2025.355,"confidence":0.99989486,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":-0.259090781211853},{"word":"why","start":2026.0549,"end":2026.375,"confidence":0.8790284,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.14182984828948977},{"word":"is","start":2026.375,"end":2026.615,"confidence":0.99372274,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09086901694536208},{"word":"there","start":2026.615,"end":2026.855,"confidence":0.9925696,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.2030952274799347},{"word":"so","start":2026.855,"end":2027.015,"confidence":0.98493063,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.18713371455669403},{"word":"much","start":2027.015,"end":2027.255,"confidence":0.999938,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.2375602424144745},{"word":"of","start":2027.255,"end":2027.755,"confidence":0.99936193,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2821522653102875},{"word":"downtrend","start":2027.895,"end":2028.395,"confidence":0.7178393,"punctuated_word":"downtrend","sentiment":"neutral","sentiment_score":-0.30034542083740234},{"word":"in","start":2028.455,"end":2028.5349,"confidence":0.5568175,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2784856855869293},{"word":"the","start":2028.5349,"end":2028.695,"confidence":0.9996136,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2802061140537262},{"word":"portfolio","start":2028.695,"end":2029.195,"confidence":0.9991124,"punctuated_word":"portfolio","sentiment":"negative","sentiment_score":-0.3561669588088989},{"word":"and","start":2029.255,"end":2029.4149,"confidence":0.58752286,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.19307391345500943},{"word":"what","start":2029.4149,"end":2029.6549,"confidence":0.9976834,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.16367653012275696},{"word":"is","start":2029.6549,"end":2029.815,"confidence":0.99626213,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1372125744819641},{"word":"the","start":2029.815,"end":2029.95,"confidence":0.9887673,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13549856841564178},{"word":"withdrawal","start":2030.19,"end":2030.4299,"confidence":0.9663076,"punctuated_word":"withdrawal","sentiment":"neutral","sentiment_score":-0.1669284850358963},{"word":"amount","start":2030.4299,"end":2030.6699,"confidence":0.9953766,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.14659443497657776},{"word":"of","start":2030.6699,"end":2030.9099,"confidence":0.9942708,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1607944816350937},{"word":"12,200","start":2030.9099,"end":2031.97,"confidence":0.9645029,"punctuated_word":"12,200?","sentiment":"neutral","sentiment_score":-0.11342456191778184},{"word":"yep","start":2075.675,"end":2076.175,"confidence":0.8670088,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10370241850614548},{"word":"yeah","start":2086.01,"end":2086.51,"confidence":0.7477201,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1012422740459442},{"word":"yeah","start":2099.2249,"end":2099.545,"confidence":0.9895132,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.051191844046115875},{"word":"i","start":2099.545,"end":2099.7048,"confidence":0.9068848,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2172977179288864},{"word":"would","start":2099.7048,"end":2100.025,"confidence":0.78207654,"punctuated_word":"would,","sentiment":"neutral","sentiment_score":0.16174478828907013},{"word":"yeah","start":2100.345,"end":2100.505,"confidence":0.7986312,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.1840783953666687},{"word":"i","start":2100.505,"end":2100.585,"confidence":0.99748504,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1628105640411377},{"word":"would","start":2100.585,"end":2100.825,"confidence":0.9982906,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.20887047052383423},{"word":"want","start":2100.825,"end":2101.065,"confidence":0.9978502,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.2653001844882965},{"word":"to","start":2101.065,"end":2101.145,"confidence":0.9978294,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.170148566365242},{"word":"go","start":2101.145,"end":2101.305,"confidence":0.99949884,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1541261523962021},{"word":"through","start":2101.305,"end":2101.7048,"confidence":0.7507665,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.12286148965358734},{"word":"the","start":2101.9448,"end":2102.105,"confidence":0.9700201,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1371595561504364},{"word":"details","start":2102.105,"end":2102.505,"confidence":0.998847,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.1982816457748413},{"word":"on","start":2102.505,"end":2102.6648,"confidence":0.999432,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09068632125854492},{"word":"monday","start":2102.6648,"end":2102.9849,"confidence":0.97714704,"punctuated_word":"Monday.","sentiment":"neutral","sentiment_score":0.10192753374576569},{"word":"yeah","start":2102.9849,"end":2103.145,"confidence":0.94289774,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08407957851886749},{"word":"so","start":2103.145,"end":2103.305,"confidence":0.9988558,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05101967602968216},{"word":"i'll","start":2103.305,"end":2103.4648,"confidence":0.9751107,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.050876788794994354},{"word":"probably","start":2103.4648,"end":2103.785,"confidence":0.991501,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.04971756041049957},{"word":"have","start":2103.785,"end":2103.99,"confidence":0.93170613,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.012265797704458237},{"word":"few","start":2104.15,"end":2104.47,"confidence":0.7893373,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.008452296257019043},{"word":"questions","start":2104.47,"end":2104.97,"confidence":0.99914956,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.007559038698673248},{"word":"for","start":2105.19,"end":2105.43,"confidence":0.9978517,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.026911519467830654},{"word":"you","start":2105.43,"end":2105.59,"confidence":0.999443,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013346664607524872},{"word":"on","start":2105.59,"end":2105.75,"confidence":0.9989992,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05488305166363716},{"word":"monday","start":2105.75,"end":2106.25,"confidence":0.9995865,"punctuated_word":"Monday.","sentiment":"neutral","sentiment_score":0.046324968338012695},{"word":"yeah","start":2109.03,"end":2109.43,"confidence":0.9970123,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10111811012029648},{"word":"yeah","start":2109.43,"end":2109.93,"confidence":0.99905884,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09715370833873747},{"word":"yeah","start":2110.07,"end":2110.47,"confidence":0.9981204,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10875891894102097},{"word":"but","start":2110.47,"end":2110.63,"confidence":0.94686097,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.006984725594520569},{"word":"it","start":2110.63,"end":2110.79,"confidence":0.9970559,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09771297872066498},{"word":"it's","start":2110.8699,"end":2111.11,"confidence":0.99927545,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.11145617812871932},{"word":"not","start":2111.11,"end":2111.35,"confidence":0.9978835,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2281791865825653},{"word":"looking","start":2111.35,"end":2111.55,"confidence":0.9990361,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.16903164982795715},{"word":"a","start":2111.55,"end":2111.75,"confidence":0.120407656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2765643894672394},{"word":"little","start":2111.75,"end":2112.15,"confidence":0.9710072,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.2575513422489166},{"word":"rosy","start":2112.15,"end":2112.47,"confidence":0.69206244,"punctuated_word":"rosy","sentiment":"neutral","sentiment_score":-0.2832174301147461},{"word":"to","start":2112.47,"end":2112.63,"confidence":0.99660206,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.24210448563098907},{"word":"me","start":2112.63,"end":2112.95,"confidence":0.9777424,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.14442630112171173},{"word":"on","start":2112.95,"end":2113.11,"confidence":0.9798228,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.24478647112846377},{"word":"the","start":2113.11,"end":2113.27,"confidence":0.99949133,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15824320912361145},{"word":"first","start":2113.27,"end":2113.51,"confidence":0.99918574,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.13500328361988068},{"word":"instance","start":2113.51,"end":2114.01,"confidence":0.99245894,"punctuated_word":"instance.","sentiment":"neutral","sentiment_score":-0.18592599034309387},{"word":"so","start":2114.8699,"end":2115.11,"confidence":0.9915427,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13311012089252472},{"word":"yeah","start":2115.19,"end":2115.59,"confidence":0.99744415,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.17109087109565735},{"word":"alright","start":2115.59,"end":2116.005,"confidence":0.98578227,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.24886956810951233},{"word":"yeah","start":2123.2048,"end":2123.7048,"confidence":0.7976631,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2183343470096588},{"word":"sure","start":2124.7249,"end":2125.125,"confidence":0.9764649,"punctuated_word":"Sure.","sentiment":"positive","sentiment_score":0.4887925386428833},{"word":"thanks","start":2125.125,"end":2125.625,"confidence":0.99812055,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.7498677968978882},{"word":"bye","start":2126.4048,"end":2126.9048,"confidence":0.99299693,"punctuated_word":"Bye.","sentiment":"positive","sentiment_score":0.6314036846160889},{"word":"yeah","start":2127.2048,"end":2127.7048,"confidence":0.90670776,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3814976215362549},{"word":"cheers","start":2128.6448,"end":2129.045,"confidence":0.981734,"punctuated_word":"Cheers.","sentiment":"positive","sentiment_score":0.683152437210083},{"word":"bye","start":2129.045,"end":2129.545,"confidence":0.9964459,"punctuated_word":"Bye.","sentiment":"positive","sentiment_score":0.3652421832084656}],"paragraphs":{"transcript":"\nHi, Jascha. I'm good. How are you? Yep. Yeah.\n\nIt's all that. Yep. Yeah. That's fine. Date of birth twenty first September nineteen eighty.\n\nAnd address is 20 Elkhorn Way, Point Cook, Victoria 3030. Yeah. What's going on? Busy. Work.\n\nYes. Yeah. Because what I understand is in the first year, there is no limit to how much contribution I can make without impacting so it has no impact on the taxation side as well, and it doesn't impact the next the ongoing 125% contribution as well that I need to make. So, yes, I wanted to confirm these two and then obviously understand what is your advice. Correct.\n\nYeah. That's correct. Mhmm. But it doesn't have to be under 25 or it doesn't even have to be so to tell me one thing. When I set it up initially, I made a bulk contribution and then $250 per month.\n\nRight? So that is how I set it up. So assuming assuming I made $10,000 initially and then $250 after that. Yeah. I can, in fact, check what it what it was really.\n\nYeah. Yeah. Yeah. I do. I do.\n\nYeah. Yeah. So you can send but but the question I had was sorry. So if I look at one of my child, so I I made an initial contribution of $10,000 last April 20 twenty second April twenty twenty five. And then from there on, May onwards, I've been making $250 as a regular contribution.\n\nSo I think the total contribution is whatever, 13,000, sorry, $12,007.50. Now tell me a couple a couple of scenarios. Right? If I if I don't make the bulk contribution now and I continue with this plan, next year's max investment I can do is 125% of the $12,007.50. Is that correct?\n\nOkay. Yep. If I do make a bulk contribution, let's say I make a bulk contribution of $10,000 now, which will take the inflow of the current year to $22,750, so the 125% will be of twenty two thousand seven fifty or $12,007.50? '20 two. Okay.\n\nBut I don't have to necessarily make 125% contribution or even 100% contribution. I can continue doing $250 as a regular basis. Yeah? Okay. Yep.\n\nOkay. So sorry. I didn't understand one point. You're saying if if in between I don't contribute for a certain duration, it resets. What does that mean?\n\nSo you made zero peak this year, so the next year is zero of 01/25. Okay. But then then what happens the year after? Or or what's the how do how do I get back to $250 after that per per month? Reset the time frame.\n\nSo did all my investments become zero, is it? As in all my all my gains become zero? Is that what you're saying? Yeah. So the first five years first five years doesn't become tax free.\n\nIs that what you mean? Right. Okay. Yeah. Yeah.\n\nYeah. Yeah. Yeah. It's better to continue. That's what that's the summary.\n\nAnd what what if the amount decreases? So let's say instead of $2.50, let's say for a year, I just want to bring it down to $200. Does that impact as well or does it doesn't impact? It does. Yeah.\n\nJust just the one 25% changes. That's it. Right? But it doesn't it doesn't impact it doesn't impact previously like it reset the okay. Okay.\n\nYeah. Got it. Got it. So it should not ideally be zero is what I understand. If it becomes zero, then it resets.\n\nBut it can be anywhere between zero or $1 to the $1.25 percent of that amount. Right? Okay. Okay. Then then there are no issues in that sense.\n\nOkay. Got it. Got it. Got it. Yep.\n\nYep. Yep. Got it. Got it. Okay.\n\nYeah. Yeah. No. I think it answers. Look.\n\nI think I one year ago when I set all this up, I probably did get all these answer, but, you know, as a human psychology, you tend to forget. Yeah. Yeah. Yeah. Yep.\n\nCorrect. Yeah. No. Absolutely. Yeah.\n\nNo. Makes sense. Makes sense. And and and but, obviously, so many other things, right, financially, so you tend to lose track of things. Yeah.\n\nAbsolutely. Yeah. You don't have to do it. Exactly. Yeah.\n\nYeah. Yeah. Yep. Yep. Great.\n\nAlright. So now tell me, I'm keen to make additional contribution for obviously, a bulk contribution because in the first year, there's no limit to it. I think I initially set up $10,000 and then $2.50. I'm just checking for both my child. $1.05 $8.07 and $8.06.\n\nYeah. I I think that's it's the same amount, $10,002.50. Can I what is your recommendation in terms of making additional bulk contribution right now? And do you Yep. Yep.\n\nYep. Yeah. Yep. Yep. Yep.\n\nGot it. Got it. Yeah. Yeah. And then I'm assuming yeah.\n\nThe the obviously, the markets are low, so the number of units purchased would be higher to the amount contributed. So there's a better ROI in that sense. Yeah? Yeah. Yeah.\n\nI've just got I've just opened the email and the document. Yep. Yeah. I've just got I'll open the sign document link. It opens a document.\n\nThe first one, it says consent to new ongoing fees arrangement. Yeah. Yeah. I can see those links. Yep.\n\nYep. Yeah. It's hoping that it's downloading. Give me one sec. Yeah.\n\nI'm just opening that up. Yep. I opened it. Yeah. Mhmm.\n\nYep. Yep. I believe so. Yeah. Yeah.\n\nYeah. Two of them. Yep. Yeah. Have twenty four twenty twelve month IRR.\n\nYeah? Okay. Yeah. Just looking down the road. One second.\n\nMhmm. Not really. I think I'm okay with that. In fact, right right now is the time to invest in equities. So yeah.\n\nYeah. Market value at this start of the period, market value at the end is 206, income income and growth. What does income in the period mean? From dividends, you mean? Yeah.\n\nOkay. Yep. Yep. Yep. Yep.\n\nYeah. Sort of. But I don't really know exactly what that thing is. But yeah. Yep.\n\nYeah. Yep. Yeah. Absolutely. This is yeah.\n\nThis is contrary to the fundamental goal. Yeah. I know that. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Please.\n\nSo tell me one thing, the the investment calls are made by you folks, as in which funds to invest and which securities to invest as a combination of the portfolio? Is it HUB24 who makes that call? You guys make that call. Right? Yeah.\n\nHUB24 is just an investment vehicle. Got it. It. Yeah. Not really.\n\nYeah. Mhmm. Yeah. Yeah. No.\n\nI'm not. Yeah. Yeah. Yeah. Yeah.\n\nYeah. So I would yeah. I'd be keen to understand options. I'm I'm I'm sorry. I'm squeezed for time.\n\nI just had kept half an hour because I've got get to got to get into another call. But happy for you to have a look at it. But, yeah, I'm just looking at this report, and, obviously, Benelong is the biggest, which is a little surprising because, yeah, it's almost a 20 five percent dip. Yeah. And it's it's obviously one of the biggest not one of the biggest, but, yeah, on the top portfolios of investments.\n\nYeah. So I would have expected a better management of this to be fair. Yeah. Yeah. Yeah.\n\nYeah. Got it. I yeah. Yeah. So if you can maybe schedule another time where we can go through in a bit more detail, that's fine.\n\nJust one question. What is the withdrawal amount of $12,000 on this portfolio? Yeah. But this seems to be too high in I understand investments sorry. Insurance and all is there, but it's probably plus investment.\n\nYeah. Yeah. If you can, please. Yeah. Yeah.\n\nMaybe next week, if we can schedule half an hour, I think, like, we can get on to call next week and, yeah, do that. Yep. Okay. Monday sorry. Tuesday.\n\nYeah. Can we do half an hour later on a Monday next week? Yep. Yeah. Yeah.\n\nYeah. Yep. Yeah. Sure. If you can just send me some details on the withdrawals as well, please.\n\nWould like to understand. And then, yeah, obviously, this could be yeah. Really the managed one is is yeah. It's very poorly performed. So yeah.\n\nYeah. Yeah. Absolutely. So why was it left for so long in the portfolio if it was underperforming and you guys had some signals on it going down? Yeah.\n\nYeah. I would want some details on the on the overall portfolio as well. If I look at the start of the period, $1.85 k, and if I look just look at the bottom line. Right? Bottom second page.\n\n$185 at the start investments of 31,000, which is basically a super contribution, I believe. $31,004.81 binds. That, I believe, is the super from super contribution. That would put me at $2,215,000, and I would then expect certain growth, which would then pay off the fees and the insurances. So, ideally so the market value is actually less than the starting position plus the deposits made in that, just 110,000.\n\nRight? Just just on that basis, it is less. So I'm just yeah. A little I'm not able to understand why is there so much of downtrend in the portfolio and what is the withdrawal amount of 12,200? Yep.\n\nYeah. Yeah. I would, yeah, I would want to go through, the details on Monday. Yeah. So I'll probably have few questions for you on Monday.\n\nYeah. Yeah. Yeah. But it it's not looking a little rosy to me on the first instance. So yeah.\n\nAlright. Yeah. Sure. Thanks. Bye.\n\nYeah. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Jascha.","start":2.72,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.21726232767105103},{"text":"I'm good.","start":8.48,"end":8.88,"sentiment":"positive","sentiment_score":0.5620219707489014},{"text":"How are you?","start":8.88,"end":9.62,"sentiment":"positive","sentiment_score":0.3861484428246816},{"text":"Yep.","start":16.095001,"end":16.575,"sentiment":"neutral","sentiment_score":0.09335961937904358},{"text":"Yeah.","start":16.575,"end":16.815,"sentiment":"neutral","sentiment_score":0.10580845922231674}],"sentiment":"neutral","sentiment_score":0.32402022265725666,"num_words":9,"start":2.72,"end":16.815},{"sentences":[{"text":"It's all that.","start":16.815,"end":17.455,"sentiment":"neutral","sentiment_score":0.1930603434642156},{"text":"Yep.","start":17.455,"end":17.955,"sentiment":"neutral","sentiment_score":0.23504316806793213},{"text":"Yeah.","start":26.609999,"end":26.849998,"sentiment":"neutral","sentiment_score":0.14789864420890808},{"text":"That's fine.","start":26.849998,"end":27.589998,"sentiment":"neutral","sentiment_score":0.2474118322134018},{"text":"Date of birth twenty first September nineteen eighty.","start":37.805,"end":39.805,"sentiment":"neutral","sentiment_score":0.015893942094407976}],"sentiment":"neutral","sentiment_score":0.10560653625677029,"num_words":15,"start":16.815,"end":39.805},{"sentences":[{"text":"And address is 20 Elkhorn Way, Point Cook, Victoria 3030.","start":39.805,"end":44.225002,"sentiment":"neutral","sentiment_score":0.042647664435207844},{"text":"Yeah.","start":48.525,"end":49.005,"sentiment":"neutral","sentiment_score":0.01776851713657379},{"text":"What's going on?","start":49.005,"end":49.645,"sentiment":"neutral","sentiment_score":0.016440717309402924},{"text":"Busy.","start":49.645,"end":50.145,"sentiment":"neutral","sentiment_score":0.03434998542070389},{"text":"Work.","start":50.205,"end":50.49,"sentiment":"neutral","sentiment_score":0.04815632477402687}],"sentiment":"neutral","sentiment_score":0.036004601475724485,"num_words":16,"start":39.805,"end":50.49},{"sentences":[{"text":"Yes.","start":62.010002,"end":62.505,"sentiment":"neutral","sentiment_score":0.0634990781545639},{"text":"Yeah.","start":73.385,"end":73.705,"sentiment":"neutral","sentiment_score":0.02609235607087612},{"text":"Because what I understand is in the first year, there is no limit to how much contribution I can make without impacting so it has no impact on the taxation side as well, and it doesn't impact the next the ongoing 125% contribution as well that I need to make.","start":73.705,"end":91.85,"sentiment":"neutral","sentiment_score":0.04504428010433912},{"text":"So, yes, I wanted to confirm these two and then obviously understand what is your advice.","start":93.095,"end":98.395,"sentiment":"neutral","sentiment_score":0.11333794333040714},{"text":"Correct.","start":144.85501,"end":145.175,"sentiment":"neutral","sentiment_score":0.1889852434396744}],"sentiment":"neutral","sentiment_score":0.06295938806041428,"num_words":69,"start":62.010002,"end":145.175},{"sentences":[{"text":"Yeah.","start":145.175,"end":145.49501,"sentiment":"neutral","sentiment_score":0.22658148407936096},{"text":"That's correct.","start":145.49501,"end":146.24501,"sentiment":"positive","sentiment_score":0.33396512269973755},{"text":"Mhmm.","start":161.43001,"end":161.93001,"sentiment":"positive","sentiment_score":0.409104436635971},{"text":"But it doesn't have to be under 25 or it doesn't even have to be so to tell me one thing.","start":196.445,"end":201.905,"sentiment":"neutral","sentiment_score":0.05419684574007988},{"text":"When I set it up initially, I made a bulk contribution and then $250 per month.","start":202.125,"end":207.24501,"sentiment":"neutral","sentiment_score":0.040205453522503376}],"sentiment":"neutral","sentiment_score":0.0752448093418668,"num_words":41,"start":145.175,"end":207.24501},{"sentences":[{"text":"Right?","start":207.24501,"end":207.405,"sentiment":"neutral","sentiment_score":0.06680585443973541},{"text":"So that is how I set it up.","start":207.405,"end":208.925,"sentiment":"neutral","sentiment_score":0.10768235102295876},{"text":"So assuming assuming I made $10,000 initially and then $250 after that.","start":208.925,"end":214.36,"sentiment":"neutral","sentiment_score":0.07674840154747169},{"text":"Yeah.","start":216.18,"end":216.68,"sentiment":"neutral","sentiment_score":0.11740147322416306},{"text":"I can, in fact, check what it what it was really.","start":216.98,"end":219.87999,"sentiment":"neutral","sentiment_score":0.09718368676575748}],"sentiment":"neutral","sentiment_score":0.09198992451032002,"num_words":33,"start":207.24501,"end":219.87999},{"sentences":[{"text":"Yeah.","start":223.22,"end":223.72,"sentiment":"neutral","sentiment_score":0.12302548438310625},{"text":"Yeah.","start":235.635,"end":236.135,"sentiment":"neutral","sentiment_score":0.07725311070680618},{"text":"Yeah.","start":239.795,"end":240.03499,"sentiment":"neutral","sentiment_score":-0.004521947354078293},{"text":"I do.","start":240.03499,"end":240.57,"sentiment":"neutral","sentiment_score":0.08702659606933594},{"text":"I do.","start":240.57,"end":241.23,"sentiment":"neutral","sentiment_score":0.1164877749979496}],"sentiment":"neutral","sentiment_score":0.08611219855291503,"num_words":7,"start":223.22,"end":241.23},{"sentences":[{"text":"Yeah.","start":244.89,"end":245.21,"sentiment":"neutral","sentiment_score":0.119244784116745},{"text":"Yeah.","start":245.21,"end":245.71,"sentiment":"neutral","sentiment_score":0.08469081670045853},{"text":"So you can send but but the question I had was sorry.","start":246.17,"end":248.67,"sentiment":"neutral","sentiment_score":-0.006225003240009149},{"text":"So if I look at one of my child, so I I made an initial contribution of $10,000 last April 20 twenty second April twenty twenty five.","start":248.73,"end":258.035,"sentiment":"neutral","sentiment_score":0.051732415816298234},{"text":"And then from there on, May onwards, I've been making $250 as a regular contribution.","start":258.175,"end":262.995,"sentiment":"neutral","sentiment_score":0.09953759262959162}],"sentiment":"neutral","sentiment_score":0.0539120478289468,"num_words":56,"start":244.89,"end":262.995},{"sentences":[{"text":"So I think the total contribution is whatever, 13,000, sorry, $12,007.50.","start":263.215,"end":269.5,"sentiment":"neutral","sentiment_score":0.11135101995684883},{"text":"Now tell me a couple a couple of scenarios.","start":271.40002,"end":275.0,"sentiment":"neutral","sentiment_score":0.02144938086469968},{"text":"Right?","start":275.0,"end":275.32,"sentiment":"neutral","sentiment_score":0.025530949234962463},{"text":"If I if I don't make the bulk contribution now and I continue with this plan, next year's max investment I can do is 125% of the $12,007.50.","start":275.32,"end":289.305,"sentiment":"neutral","sentiment_score":0.03372242747406874},{"text":"Is that correct?","start":289.685,"end":290.565,"sentiment":"neutral","sentiment_score":0.10957572360833485}],"sentiment":"neutral","sentiment_score":0.05223830262772166,"num_words":52,"start":263.215,"end":290.565},{"sentences":[{"text":"Okay.","start":290.565,"end":291.065,"sentiment":"neutral","sentiment_score":0.1159038245677948},{"text":"Yep.","start":291.685,"end":292.02,"sentiment":"neutral","sentiment_score":0.2122882604598999},{"text":"If I do make a bulk contribution, let's say I make a bulk contribution of $10,000 now, which will take the inflow of the current year to $22,750, so the 125% will be of twenty two thousand seven fifty or $12,007.50?","start":292.5,"end":309.735,"sentiment":"neutral","sentiment_score":0.156324776025807},{"text":"'20 two.","start":311.155,"end":312.055,"sentiment":"neutral","sentiment_score":0.02302720583975315},{"text":"Okay.","start":312.51498,"end":313.01498,"sentiment":"neutral","sentiment_score":0.0612378865480423}],"sentiment":"neutral","sentiment_score":0.1488000043546376,"num_words":46,"start":290.565,"end":313.01498},{"sentences":[{"text":"But I don't have to necessarily make 125% contribution or even 100% contribution.","start":313.075,"end":319.475,"sentiment":"neutral","sentiment_score":-0.04085300461604045},{"text":"I can continue doing $250 as a regular basis.","start":319.475,"end":321.90002,"sentiment":"neutral","sentiment_score":-0.030333473450607724},{"text":"Yeah?","start":321.90002,"end":322.40002,"sentiment":"neutral","sentiment_score":0.06490388512611389},{"text":"Okay.","start":323.34003,"end":323.84003,"sentiment":"neutral","sentiment_score":0.17889630794525146},{"text":"Yep.","start":329.02002,"end":329.52002,"sentiment":"neutral","sentiment_score":-0.025048812851309776}],"sentiment":"neutral","sentiment_score":-0.02341355763375759,"num_words":25,"start":313.075,"end":329.52002},{"sentences":[{"text":"Okay.","start":385.89,"end":386.265,"sentiment":"neutral","sentiment_score":0.09558849036693572},{"text":"So sorry.","start":386.505,"end":386.90503,"sentiment":"neutral","sentiment_score":-0.07741157338023186},{"text":"I didn't understand one point.","start":386.90503,"end":388.105,"sentiment":"neutral","sentiment_score":-0.2460935652256012},{"text":"You're saying if if in between I don't contribute for a certain duration, it resets.","start":388.105,"end":393.325,"sentiment":"neutral","sentiment_score":-0.12119028121232986},{"text":"What does that mean?","start":393.86502,"end":394.92502,"sentiment":"neutral","sentiment_score":-0.14017377980053425}],"sentiment":"neutral","sentiment_score":-0.13586117851513405,"num_words":27,"start":385.89,"end":394.92502},{"sentences":[{"text":"So you made zero peak this year, so the next year is zero of 01/25.","start":424.205,"end":427.89,"sentiment":"neutral","sentiment_score":0.008216227839390437},{"text":"Okay.","start":430.53003,"end":431.03003,"sentiment":"neutral","sentiment_score":0.07830826938152313},{"text":"But then then what happens the year after?","start":435.33002,"end":437.59003,"sentiment":"neutral","sentiment_score":-0.06237430311739445},{"text":"Or or what's the how do how do I get back to $250 after that per per month?","start":437.65002,"end":443.315,"sentiment":"neutral","sentiment_score":-0.025164624624368217},{"text":"Reset the time frame.","start":457.86002,"end":458.9,"sentiment":"neutral","sentiment_score":-0.0033092759549617767}],"sentiment":"neutral","sentiment_score":-0.016600936630983717,"num_words":46,"start":424.205,"end":458.9},{"sentences":[{"text":"So did all my investments become zero, is it?","start":458.9,"end":460.98,"sentiment":"neutral","sentiment_score":-0.03976582487424215},{"text":"As in all my all my gains become zero?","start":460.98,"end":463.06,"sentiment":"neutral","sentiment_score":-0.059169785843955144},{"text":"Is that what you're saying?","start":463.06,"end":464.2,"sentiment":"neutral","sentiment_score":-0.08317146673798562},{"text":"Yeah.","start":489.37,"end":489.87,"sentiment":"neutral","sentiment_score":0.12066616117954254},{"text":"So the first five years first five years doesn't become tax free.","start":500.425,"end":503.625,"sentiment":"neutral","sentiment_score":-0.23007863946259022}],"sentiment":"neutral","sentiment_score":-0.10962653729236788,"num_words":36,"start":458.9,"end":503.625},{"sentences":[{"text":"Is that what you mean?","start":503.625,"end":504.685,"sentiment":"neutral","sentiment_score":-0.09094895720481873},{"text":"Right.","start":510.72,"end":511.22,"sentiment":"neutral","sentiment_score":0.0037547266110777855},{"text":"Okay.","start":512.72,"end":513.22,"sentiment":"neutral","sentiment_score":0.13220258057117462},{"text":"Yeah.","start":526.33496,"end":526.83496,"sentiment":"neutral","sentiment_score":0.09064141660928726},{"text":"Yeah.","start":533.8,"end":534.04,"sentiment":"neutral","sentiment_score":0.024613231420516968}],"sentiment":"neutral","sentiment_score":-0.02261475897911522,"num_words":9,"start":503.625,"end":534.04},{"sentences":[{"text":"Yeah.","start":534.04,"end":534.54,"sentiment":"neutral","sentiment_score":0.028454536572098732},{"text":"Yeah.","start":542.44,"end":542.94,"sentiment":"neutral","sentiment_score":0.1450454592704773},{"text":"Yeah.","start":543.0,"end":543.16,"sentiment":"neutral","sentiment_score":0.12536554038524628},{"text":"It's better to continue.","start":543.16,"end":544.3,"sentiment":"neutral","sentiment_score":0.1275780964642763},{"text":"That's what that's the summary.","start":544.52,"end":545.89996,"sentiment":"neutral","sentiment_score":0.13438637554645538}],"sentiment":"neutral","sentiment_score":0.1234258166514337,"num_words":12,"start":534.04,"end":545.89996},{"sentences":[{"text":"And what what if the amount decreases?","start":546.005,"end":547.765,"sentiment":"neutral","sentiment_score":0.011265860737434455},{"text":"So let's say instead of $2.50, let's say for a year, I just want to bring it down to $200.","start":547.765,"end":553.545,"sentiment":"neutral","sentiment_score":0.06202213447540998},{"text":"Does that impact as well or does it doesn't impact?","start":554.245,"end":558.02496,"sentiment":"neutral","sentiment_score":-0.012510082498192788},{"text":"It does.","start":559.685,"end":560.16,"sentiment":"neutral","sentiment_score":0.11006069928407669},{"text":"Yeah.","start":587.97504,"end":588.215,"sentiment":"neutral","sentiment_score":0.07221866399049759}],"sentiment":"neutral","sentiment_score":0.0371635738061741,"num_words":40,"start":546.005,"end":588.215},{"sentences":[{"text":"Just just the one 25% changes.","start":588.215,"end":590.23505,"sentiment":"neutral","sentiment_score":0.06255706523855527},{"text":"That's it.","start":590.61505,"end":591.12,"sentiment":"neutral","sentiment_score":0.11452837288379669},{"text":"Right?","start":591.12,"end":591.52,"sentiment":"neutral","sentiment_score":0.08446292579174042},{"text":"But it doesn't it doesn't impact it doesn't impact previously like it reset the okay.","start":591.52,"end":597.54,"sentiment":"neutral","sentiment_score":-0.05805110769967238},{"text":"Okay.","start":604.48,"end":604.905,"sentiment":"neutral","sentiment_score":0.13714538514614105}],"sentiment":"neutral","sentiment_score":-0.0017903666943311692,"num_words":25,"start":588.215,"end":604.905},{"sentences":[{"text":"Yeah.","start":612.66504,"end":613.065,"sentiment":"neutral","sentiment_score":0.17714223265647888},{"text":"Got it.","start":613.065,"end":615.645,"sentiment":"neutral","sentiment_score":0.0910217734053731},{"text":"Got it.","start":617.22504,"end":617.625,"sentiment":"positive","sentiment_score":0.4022538810968399},{"text":"So it should not ideally be zero is what I understand.","start":617.625,"end":620.51,"sentiment":"neutral","sentiment_score":-0.006690319796854799},{"text":"If it becomes zero, then it resets.","start":620.51,"end":622.53,"sentiment":"neutral","sentiment_score":-0.004469326863597546}],"sentiment":"neutral","sentiment_score":0.04603542329783997,"num_words":23,"start":612.66504,"end":622.53},{"sentences":[{"text":"But it can be anywhere between zero or $1 to the $1.25 percent of that amount.","start":622.59,"end":627.81006,"sentiment":"neutral","sentiment_score":0.041259110264945775},{"text":"Right?","start":627.87006,"end":628.37006,"sentiment":"neutral","sentiment_score":0.11251747608184814},{"text":"Okay.","start":628.67004,"end":628.99005,"sentiment":"neutral","sentiment_score":0.14591488242149353},{"text":"Okay.","start":628.99005,"end":629.31006,"sentiment":"neutral","sentiment_score":0.16965052485466003},{"text":"Then then there are no issues in that sense.","start":629.31006,"end":631.245,"sentiment":"neutral","sentiment_score":0.21952770981523725}],"sentiment":"neutral","sentiment_score":0.10942778699765247,"num_words":28,"start":622.59,"end":631.245},{"sentences":[{"text":"Okay.","start":631.485,"end":631.985,"sentiment":"neutral","sentiment_score":0.07964837551116943},{"text":"Got it.","start":632.605,"end":633.345,"sentiment":"neutral","sentiment_score":0.19853436946868896},{"text":"Got it.","start":659.64,"end":660.045,"sentiment":"neutral","sentiment_score":0.14504820853471756},{"text":"Got it.","start":660.605,"end":665.02496,"sentiment":"neutral","sentiment_score":0.29209694266319275},{"text":"Yep.","start":669.165,"end":669.665,"sentiment":"neutral","sentiment_score":0.08534817397594452}],"sentiment":"neutral","sentiment_score":0.17954444885253906,"num_words":8,"start":631.485,"end":669.665},{"sentences":[{"text":"Yep.","start":673.005,"end":673.505,"sentiment":"neutral","sentiment_score":0.05938940495252609},{"text":"Yep.","start":674.845,"end":675.345,"sentiment":"neutral","sentiment_score":0.07102490961551666},{"text":"Got it.","start":675.47003,"end":675.63,"sentiment":"neutral","sentiment_score":0.13004230707883835},{"text":"Got it.","start":675.63,"end":676.65,"sentiment":"neutral","sentiment_score":0.12945890426635742},{"text":"Okay.","start":676.67004,"end":677.17004,"sentiment":"neutral","sentiment_score":0.08124212920665741}],"sentiment":"neutral","sentiment_score":0.10437983806644167,"num_words":7,"start":673.005,"end":677.17004},{"sentences":[{"text":"Yeah.","start":678.59,"end":678.83,"sentiment":"neutral","sentiment_score":0.012833471409976482},{"text":"Yeah.","start":678.83,"end":678.99,"sentiment":"neutral","sentiment_score":-0.002100580371916294},{"text":"No.","start":678.99,"end":679.15,"sentiment":"neutral","sentiment_score":-0.03552243858575821},{"text":"I think it answers.","start":679.15,"end":679.95,"sentiment":"neutral","sentiment_score":-0.026972820982336998},{"text":"Look.","start":679.95,"end":680.19,"sentiment":"neutral","sentiment_score":-0.008032361045479774}],"sentiment":"neutral","sentiment_score":-0.017589149065315723,"num_words":8,"start":678.59,"end":680.19},{"sentences":[{"text":"I think I one year ago when I set all this up, I probably did get all these answer, but, you know, as a human psychology, you tend to forget.","start":680.19,"end":687.25,"sentiment":"neutral","sentiment_score":-0.029340709466487168},{"text":"Yeah.","start":695.46497,"end":695.96497,"sentiment":"neutral","sentiment_score":0.04195588454604149},{"text":"Yeah.","start":702.345,"end":702.505,"sentiment":"neutral","sentiment_score":0.10766847431659698},{"text":"Yeah.","start":702.505,"end":703.005,"sentiment":"neutral","sentiment_score":0.17597398161888125},{"text":"Yep.","start":705.06,"end":705.56,"sentiment":"neutral","sentiment_score":0.08796330541372299}],"sentiment":"neutral","sentiment_score":-0.013725283473510952,"num_words":34,"start":680.19,"end":705.56},{"sentences":[{"text":"Correct.","start":707.7,"end":708.2,"sentiment":"neutral","sentiment_score":-0.03945380449295044},{"text":"Yeah.","start":708.34,"end":708.84,"sentiment":"neutral","sentiment_score":-0.04302419349551201},{"text":"No.","start":711.7,"end":712.02,"sentiment":"neutral","sentiment_score":-0.1770903766155243},{"text":"Absolutely.","start":712.02,"end":712.52,"sentiment":"neutral","sentiment_score":-0.06528190523386002},{"text":"Yeah.","start":712.58,"end":712.82,"sentiment":"neutral","sentiment_score":-0.04588838294148445}],"sentiment":"neutral","sentiment_score":-0.07414773255586624,"num_words":5,"start":707.7,"end":712.82},{"sentences":[{"text":"No.","start":712.82,"end":713.06,"sentiment":"neutral","sentiment_score":-0.10381513833999634},{"text":"Makes sense.","start":713.06,"end":713.46,"sentiment":"neutral","sentiment_score":-0.054638806730508804},{"text":"Makes sense.","start":713.46,"end":713.78,"sentiment":"neutral","sentiment_score":-0.012481139972805977},{"text":"And and and but, obviously, so many other things, right, financially, so you tend to lose track of things.","start":713.78,"end":719.115,"sentiment":"neutral","sentiment_score":-0.11839534116810874},{"text":"Yeah.","start":719.195,"end":719.675,"sentiment":"neutral","sentiment_score":0.16254597902297974}],"sentiment":"neutral","sentiment_score":-0.09300082139670848,"num_words":25,"start":712.82,"end":719.675},{"sentences":[{"text":"Absolutely.","start":719.675,"end":720.175,"sentiment":"positive","sentiment_score":0.4450006484985352},{"text":"Yeah.","start":727.27496,"end":727.675,"sentiment":"neutral","sentiment_score":0.04174778610467911},{"text":"You don't have to do it.","start":727.675,"end":728.555,"sentiment":"neutral","sentiment_score":0.09161420414845149},{"text":"Exactly.","start":728.555,"end":729.035,"sentiment":"neutral","sentiment_score":0.19581308960914612},{"text":"Yeah.","start":729.035,"end":729.27496,"sentiment":"neutral","sentiment_score":0.1908988356590271}],"sentiment":"neutral","sentiment_score":0.14231455847620963,"num_words":10,"start":719.675,"end":729.27496},{"sentences":[{"text":"Yeah.","start":729.27496,"end":729.77496,"sentiment":"neutral","sentiment_score":0.2011718153953552},{"text":"Yeah.","start":736.26,"end":736.76,"sentiment":"neutral","sentiment_score":0.11025474965572356},{"text":"Yep.","start":743.78,"end":744.28,"sentiment":"positive","sentiment_score":0.4124337434768677},{"text":"Yep.","start":747.54,"end":748.04,"sentiment":"neutral","sentiment_score":0.310545951128006},{"text":"Great.","start":748.58,"end":749.08,"sentiment":"positive","sentiment_score":0.5914760828018188}],"sentiment":"neutral","sentiment_score":0.32517646849155424,"num_words":5,"start":729.27496,"end":749.08},{"sentences":[{"text":"Alright.","start":749.525,"end":750.025,"sentiment":"positive","sentiment_score":0.39814990758895874},{"text":"So now tell me, I'm keen to make additional contribution for obviously, a bulk contribution because in the first year, there's no limit to it.","start":750.405,"end":758.48505,"sentiment":"neutral","sentiment_score":0.31381831884384154},{"text":"I think I initially set up $10,000 and then $2.50.","start":758.48505,"end":761.60004,"sentiment":"neutral","sentiment_score":0.20868446081876754},{"text":"I'm just checking for both my child.","start":761.60004,"end":763.62006,"sentiment":"neutral","sentiment_score":0.15395691990852356},{"text":"$1.05 $8.07 and $8.06.","start":764.72003,"end":769.06006,"sentiment":"neutral","sentiment_score":0.08299269154667854}],"sentiment":"neutral","sentiment_score":0.24978982324295856,"num_words":47,"start":749.525,"end":769.06006},{"sentences":[{"text":"Yeah.","start":771.04004,"end":771.2,"sentiment":"neutral","sentiment_score":0.13195356726646423},{"text":"I I think that's it's the same amount, $10,002.50.","start":771.2,"end":774.175,"sentiment":"neutral","sentiment_score":0.19007867243554857},{"text":"Can I what is your recommendation in terms of making additional bulk contribution right now?","start":774.555,"end":780.975,"sentiment":"neutral","sentiment_score":0.19387630621592203},{"text":"And do you Yep.","start":781.355,"end":826.395,"sentiment":"neutral","sentiment_score":0.20253024622797966},{"text":"Yep.","start":826.79504,"end":827.29504,"sentiment":"positive","sentiment_score":0.4025492370128632}],"sentiment":"neutral","sentiment_score":0.19878254781166713,"num_words":30,"start":771.04004,"end":827.29504},{"sentences":[{"text":"Yep.","start":834.555,"end":835.055,"sentiment":"positive","sentiment_score":0.35332831740379333},{"text":"Yeah.","start":841.115,"end":841.47,"sentiment":"neutral","sentiment_score":0.016140790656208992},{"text":"Yep.","start":845.23,"end":845.73,"sentiment":"neutral","sentiment_score":0.03856358677148819},{"text":"Yep.","start":852.35,"end":852.85,"sentiment":"neutral","sentiment_score":-0.004539616405963898},{"text":"Yep.","start":854.82996,"end":855.32996,"sentiment":"neutral","sentiment_score":0.12465213239192964}],"sentiment":"neutral","sentiment_score":0.10562904216349125,"num_words":5,"start":834.555,"end":855.32996},{"sentences":[{"text":"Got it.","start":855.79,"end":858.775,"sentiment":"positive","sentiment_score":0.4054822325706482},{"text":"Got it.","start":858.775,"end":859.335,"sentiment":"neutral","sentiment_score":0.21586961299180984},{"text":"Yeah.","start":859.335,"end":859.49506,"sentiment":"neutral","sentiment_score":0.17207136750221252},{"text":"Yeah.","start":859.49506,"end":859.655,"sentiment":"neutral","sentiment_score":0.1610775887966156},{"text":"And then I'm assuming yeah.","start":859.655,"end":861.49506,"sentiment":"neutral","sentiment_score":0.12355604022741318}],"sentiment":"neutral","sentiment_score":0.19942116805098273,"num_words":11,"start":855.79,"end":861.49506},{"sentences":[{"text":"The the obviously, the markets are low, so the number of units purchased would be higher to the amount contributed.","start":861.49506,"end":867.195,"sentiment":"neutral","sentiment_score":0.1127845762297511},{"text":"So there's a better ROI in that sense.","start":867.255,"end":869.37,"sentiment":"neutral","sentiment_score":0.30411315709352493},{"text":"Yeah?","start":873.75,"end":874.25,"sentiment":"neutral","sentiment_score":0.0006633596494793892},{"text":"Yeah.","start":876.79,"end":877.18994,"sentiment":"neutral","sentiment_score":0.03507573530077934},{"text":"Yeah.","start":877.18994,"end":877.50995,"sentiment":"neutral","sentiment_score":0.05168991535902023}],"sentiment":"neutral","sentiment_score":0.1540653481178226,"num_words":31,"start":861.49506,"end":877.50995},{"sentences":[{"text":"I've just got I've just opened the email and the document.","start":877.50995,"end":884.675,"sentiment":"neutral","sentiment_score":0.09049697626720775},{"text":"Yep.","start":896.91003,"end":897.41003,"sentiment":"neutral","sentiment_score":0.022526172921061516},{"text":"Yeah.","start":902.91003,"end":903.31,"sentiment":"neutral","sentiment_score":0.038776762783527374},{"text":"I've just got I'll open the sign document link.","start":903.31,"end":907.84503,"sentiment":"neutral","sentiment_score":0.041179230643643275},{"text":"It opens a document.","start":907.84503,"end":909.065,"sentiment":"neutral","sentiment_score":0.0488214110955596}],"sentiment":"neutral","sentiment_score":0.062410322877650075,"num_words":26,"start":877.50995,"end":909.065},{"sentences":[{"text":"The first one, it says consent to new ongoing fees arrangement.","start":909.525,"end":913.305,"sentiment":"neutral","sentiment_score":0.03321941417049278},{"text":"Yeah.","start":930.29,"end":930.61,"sentiment":"neutral","sentiment_score":0.019611334428191185},{"text":"Yeah.","start":930.61,"end":930.77,"sentiment":"neutral","sentiment_score":0.01615971326828003},{"text":"I can see those links.","start":930.77,"end":931.89,"sentiment":"neutral","sentiment_score":0.03196855001151562},{"text":"Yep.","start":931.89,"end":932.39,"sentiment":"neutral","sentiment_score":0.08590148389339447}],"sentiment":"neutral","sentiment_score":0.034048886185413914,"num_words":19,"start":909.525,"end":932.39},{"sentences":[{"text":"Yep.","start":937.545,"end":938.045,"sentiment":"neutral","sentiment_score":0.09142082929611206},{"text":"Yeah.","start":941.385,"end":941.785,"sentiment":"neutral","sentiment_score":0.06263438612222672},{"text":"It's hoping that it's downloading.","start":941.785,"end":943.165,"sentiment":"neutral","sentiment_score":0.0819409430027008},{"text":"Give me one sec.","start":943.545,"end":944.605,"sentiment":"neutral","sentiment_score":0.03929702611640096},{"text":"Yeah.","start":966.57495,"end":966.77496,"sentiment":"neutral","sentiment_score":0.057473570108413696}],"sentiment":"neutral","sentiment_score":0.0648684670838217,"num_words":12,"start":937.545,"end":966.77496},{"sentences":[{"text":"I'm just opening that up.","start":966.77496,"end":968.595,"sentiment":"neutral","sentiment_score":0.06779459789395333},{"text":"Yep.","start":975.69495,"end":976.01495,"sentiment":"neutral","sentiment_score":0.07656693458557129},{"text":"I opened it.","start":976.01495,"end":976.89496,"sentiment":"neutral","sentiment_score":0.09457249442736308},{"text":"Yeah.","start":976.89496,"end":977.39496,"sentiment":"neutral","sentiment_score":0.1383536458015442},{"text":"Mhmm.","start":1011.235,"end":1011.42,"sentiment":"neutral","sentiment_score":0.06575450301170349}],"sentiment":"neutral","sentiment_score":0.08212414146824316,"num_words":11,"start":966.77496,"end":1011.42},{"sentences":[{"text":"Yep.","start":1028.635,"end":1029.135,"sentiment":"neutral","sentiment_score":0.32215678691864014},{"text":"Yep.","start":1040.55,"end":1041.05,"sentiment":"neutral","sentiment_score":0.1416364312171936},{"text":"I believe so.","start":1055.605,"end":1056.165,"sentiment":"positive","sentiment_score":0.3788720965385437},{"text":"Yeah.","start":1056.165,"end":1056.665,"sentiment":"neutral","sentiment_score":0.25523489713668823},{"text":"Yeah.","start":1081.3099,"end":1081.395,"sentiment":"neutral","sentiment_score":0.09942653775215148}],"sentiment":"neutral","sentiment_score":0.2792958489486149,"num_words":7,"start":1028.635,"end":1081.395},{"sentences":[{"text":"Yeah.","start":1095.0751,"end":1095.475,"sentiment":"neutral","sentiment_score":0.034331366419792175},{"text":"Two of them.","start":1095.475,"end":1096.11,"sentiment":"neutral","sentiment_score":0.04014392818013827},{"text":"Yep.","start":1096.35,"end":1096.85,"sentiment":"neutral","sentiment_score":0.13140860199928284},{"text":"Yeah.","start":1134.15,"end":1134.65,"sentiment":"neutral","sentiment_score":0.09781212359666824},{"text":"Have twenty four twenty twelve month IRR.","start":1144.965,"end":1147.68,"sentiment":"neutral","sentiment_score":0.07072793213384491}],"sentiment":"neutral","sentiment_score":0.06762149242254403,"num_words":13,"start":1095.0751,"end":1147.68},{"sentences":[{"text":"Yeah?","start":1148.16,"end":1148.66,"sentiment":"neutral","sentiment_score":0.050441984087228775},{"text":"Okay.","start":1159.6001,"end":1160.1001,"sentiment":"neutral","sentiment_score":0.02699868381023407},{"text":"Yeah.","start":1163.12,"end":1163.62,"sentiment":"neutral","sentiment_score":-0.0100140068680048},{"text":"Just looking down the road.","start":1163.735,"end":1165.095,"sentiment":"neutral","sentiment_score":-0.011679629608988763},{"text":"One second.","start":1165.095,"end":1165.8351,"sentiment":"neutral","sentiment_score":0.026322854682803154}],"sentiment":"neutral","sentiment_score":0.006167422235012055,"num_words":10,"start":1148.16,"end":1165.8351},{"sentences":[{"text":"Mhmm.","start":1183.1901,"end":1183.6901,"sentiment":"neutral","sentiment_score":-0.0032972032204270363},{"text":"Not really.","start":1190.785,"end":1191.525,"sentiment":"neutral","sentiment_score":-0.14723460376262665},{"text":"I think I'm okay with that.","start":1191.665,"end":1193.025,"sentiment":"neutral","sentiment_score":-0.15490121891101202},{"text":"In fact, right right now is the time to invest in equities.","start":1193.025,"end":1195.665,"sentiment":"neutral","sentiment_score":0.07555197862287362},{"text":"So yeah.","start":1195.665,"end":1196.655,"sentiment":"neutral","sentiment_score":0.31840239465236664}],"sentiment":"neutral","sentiment_score":0.013750209068150623,"num_words":23,"start":1183.1901,"end":1196.655},{"sentences":[{"text":"Yeah.","start":1219.21,"end":1219.71,"sentiment":"neutral","sentiment_score":0.04814758151769638},{"text":"Market value at this start of the period, market value at the end is 206, income income and growth.","start":1232.8251,"end":1244.72,"sentiment":"neutral","sentiment_score":0.07298971026351578},{"text":"What does income in the period mean?","start":1246.7001,"end":1248.22,"sentiment":"neutral","sentiment_score":0.03636968322098255},{"text":"From dividends, you mean?","start":1248.22,"end":1249.365,"sentiment":"neutral","sentiment_score":0.023275730665773153},{"text":"Yeah.","start":1258.325,"end":1258.645,"sentiment":"neutral","sentiment_score":0.07607711851596832}],"sentiment":"neutral","sentiment_score":0.05808499688282609,"num_words":32,"start":1219.21,"end":1258.645},{"sentences":[{"text":"Okay.","start":1258.645,"end":1259.145,"sentiment":"neutral","sentiment_score":0.0870063453912735},{"text":"Yep.","start":1273.38,"end":1273.635,"sentiment":"neutral","sentiment_score":0.14658911526203156},{"text":"Yep.","start":1307.285,"end":1307.785,"sentiment":"neutral","sentiment_score":0.10638269037008286},{"text":"Yep.","start":1312.9651,"end":1313.28,"sentiment":"neutral","sentiment_score":0.15241029858589172},{"text":"Yep.","start":1367.69,"end":1368.19,"sentiment":"neutral","sentiment_score":0.04465844482183456}],"sentiment":"neutral","sentiment_score":0.10740937888622284,"num_words":5,"start":1258.645,"end":1368.19},{"sentences":[{"text":"Yeah.","start":1386.7151,"end":1387.2151,"sentiment":"neutral","sentiment_score":-0.008655880577862263},{"text":"Sort of.","start":1387.3551,"end":1387.755,"sentiment":"neutral","sentiment_score":-0.01674725627526641},{"text":"But I don't really know exactly what that thing is.","start":1387.755,"end":1391.0,"sentiment":"neutral","sentiment_score":-0.08273683860898018},{"text":"But yeah.","start":1391.0,"end":1392.0,"sentiment":"neutral","sentiment_score":-0.06134151294827461},{"text":"Yep.","start":1413.505,"end":1414.005,"sentiment":"neutral","sentiment_score":0.06900747120380402}],"sentiment":"neutral","sentiment_score":-0.05769964586943388,"num_words":16,"start":1386.7151,"end":1414.005},{"sentences":[{"text":"Yeah.","start":1420.36,"end":1420.86,"sentiment":"neutral","sentiment_score":0.03746604174375534},{"text":"Yep.","start":1479.86,"end":1480.36,"sentiment":"neutral","sentiment_score":0.01886775717139244},{"text":"Yeah.","start":1497.58,"end":1498.08,"sentiment":"neutral","sentiment_score":-0.1055878922343254},{"text":"Absolutely.","start":1500.46,"end":1500.96,"sentiment":"neutral","sentiment_score":-0.14687755703926086},{"text":"This is yeah.","start":1501.26,"end":1501.82,"sentiment":"negative","sentiment_score":-0.37165441115697223}],"sentiment":"neutral","sentiment_score":-0.18729926911847933,"num_words":7,"start":1420.36,"end":1501.82},{"sentences":[{"text":"This is contrary to the fundamental goal.","start":1501.82,"end":1504.485,"sentiment":"negative","sentiment_score":-0.4937575161457062},{"text":"Yeah.","start":1532.745,"end":1533.065,"sentiment":"neutral","sentiment_score":-0.07416081428527832},{"text":"I know that.","start":1533.065,"end":1533.625,"sentiment":"neutral","sentiment_score":-0.05594726651906967},{"text":"Yeah.","start":1533.625,"end":1534.025,"sentiment":"neutral","sentiment_score":-0.03830132633447647},{"text":"Yeah.","start":1534.025,"end":1534.525,"sentiment":"neutral","sentiment_score":-0.026948746293783188}],"sentiment":"neutral","sentiment_score":-0.2895042538069762,"num_words":13,"start":1501.82,"end":1534.525},{"sentences":[{"text":"Yeah.","start":1565.735,"end":1565.91,"sentiment":"neutral","sentiment_score":0.18440347909927368},{"text":"Yeah.","start":1566.39,"end":1566.89,"sentiment":"neutral","sentiment_score":0.25845107436180115},{"text":"Yeah.","start":1576.23,"end":1576.55,"sentiment":"neutral","sentiment_score":0.08512121438980103},{"text":"Yeah.","start":1576.55,"end":1576.79,"sentiment":"neutral","sentiment_score":0.08952184021472931},{"text":"Please.","start":1576.79,"end":1577.29,"sentiment":"neutral","sentiment_score":0.08986702561378479}],"sentiment":"neutral","sentiment_score":0.141472926735878,"num_words":5,"start":1565.735,"end":1577.29},{"sentences":[{"text":"So tell me one thing, the the investment calls are made by you folks, as in which funds to invest and which securities to invest as a combination of the portfolio?","start":1577.35,"end":1587.5449,"sentiment":"neutral","sentiment_score":0.07379979652262503},{"text":"Is it HUB24 who makes that call?","start":1587.5449,"end":1590.205,"sentiment":"neutral","sentiment_score":0.02546794499669756},{"text":"You guys make that call.","start":1591.065,"end":1592.265,"sentiment":"neutral","sentiment_score":0.0350720725953579},{"text":"Right?","start":1592.265,"end":1592.765,"sentiment":"neutral","sentiment_score":0.026685889810323715},{"text":"Yeah.","start":1594.265,"end":1594.6649,"sentiment":"neutral","sentiment_score":0.0758708268404007}],"sentiment":"neutral","sentiment_score":0.060977475262350506,"num_words":45,"start":1577.35,"end":1594.6649},{"sentences":[{"text":"HUB24 is just an investment vehicle.","start":1594.6649,"end":1596.505,"sentiment":"neutral","sentiment_score":0.07782005394498508},{"text":"Got it.","start":1596.505,"end":1596.9,"sentiment":"neutral","sentiment_score":0.07281870022416115},{"text":"It.","start":1596.9,"end":1597.4,"sentiment":"neutral","sentiment_score":0.08648454397916794},{"text":"Yeah.","start":1608.66,"end":1609.06,"sentiment":"neutral","sentiment_score":-0.028122488409280777},{"text":"Not really.","start":1609.06,"end":1609.88,"sentiment":"neutral","sentiment_score":-0.11713455244898796}],"sentiment":"neutral","sentiment_score":0.036387556232512,"num_words":12,"start":1594.6649,"end":1609.88},{"sentences":[{"text":"Yeah.","start":1617.405,"end":1617.905,"sentiment":"neutral","sentiment_score":0.013690859079360962},{"text":"Mhmm.","start":1618.525,"end":1619.025,"sentiment":"neutral","sentiment_score":-0.01848224364221096},{"text":"Yeah.","start":1627.565,"end":1627.86,"sentiment":"neutral","sentiment_score":0.05351427942514419},{"text":"Yeah.","start":1628.1,"end":1628.6,"sentiment":"neutral","sentiment_score":0.1654036045074463},{"text":"No.","start":1638.1799,"end":1638.58,"sentiment":"neutral","sentiment_score":-0.08284156024456024}],"sentiment":"neutral","sentiment_score":0.02625698782503605,"num_words":5,"start":1617.405,"end":1638.58},{"sentences":[{"text":"I'm not.","start":1638.58,"end":1639.32,"sentiment":"neutral","sentiment_score":-0.08089497312903404},{"text":"Yeah.","start":1639.54,"end":1640.04,"sentiment":"neutral","sentiment_score":-0.02885407023131847},{"text":"Yeah.","start":1680.9,"end":1681.4,"sentiment":"neutral","sentiment_score":0.0703699067234993},{"text":"Yeah.","start":1704.995,"end":1705.3949,"sentiment":"neutral","sentiment_score":0.013375074602663515},{"text":"Yeah.","start":1705.3949,"end":1705.7949,"sentiment":"neutral","sentiment_score":0.013401717878878117}],"sentiment":"neutral","sentiment_score":-0.015582886214057604,"num_words":6,"start":1638.58,"end":1705.7949},{"sentences":[{"text":"Yeah.","start":1705.7949,"end":1706.2949,"sentiment":"neutral","sentiment_score":0.0113953510299325},{"text":"So I would yeah.","start":1706.5901,"end":1707.7101,"sentiment":"neutral","sentiment_score":0.024414547253400087},{"text":"I'd be keen to understand options.","start":1707.7101,"end":1709.39,"sentiment":"neutral","sentiment_score":0.035203348845243454},{"text":"I'm I'm I'm sorry.","start":1709.39,"end":1711.31,"sentiment":"neutral","sentiment_score":-0.06379049539100379},{"text":"I'm squeezed for time.","start":1711.31,"end":1712.5901,"sentiment":"neutral","sentiment_score":-0.16445760428905487}],"sentiment":"neutral","sentiment_score":-0.031195724505539004,"num_words":19,"start":1705.7949,"end":1712.5901},{"sentences":[{"text":"I just had kept half an hour because I've got get to got to get into another call.","start":1712.5901,"end":1716.67,"sentiment":"neutral","sentiment_score":-0.13732596238454184},{"text":"But happy for you to have a look at it.","start":1716.67,"end":1719.5701,"sentiment":"positive","sentiment_score":0.40435057915747163},{"text":"But, yeah, I'm just looking at this report, and, obviously, Benelong is the biggest, which is a little surprising because, yeah, it's almost a 20 five percent dip.","start":1720.1901,"end":1732.425,"sentiment":"neutral","sentiment_score":0.11139058867203337},{"text":"Yeah.","start":1732.5651,"end":1733.0651,"sentiment":"neutral","sentiment_score":-0.007194978184998035},{"text":"And it's it's obviously one of the biggest not one of the biggest, but, yeah, on the top portfolios of investments.","start":1733.4451,"end":1738.88,"sentiment":"neutral","sentiment_score":0.0766797617432617}],"sentiment":"neutral","sentiment_score":0.08068788422940251,"num_words":78,"start":1712.5901,"end":1738.88},{"sentences":[{"text":"Yeah.","start":1739.26,"end":1739.76,"sentiment":"neutral","sentiment_score":0.09282541275024414},{"text":"So I would have expected a better management of this to be fair.","start":1740.14,"end":1744.56,"sentiment":"neutral","sentiment_score":0.03654930597314468},{"text":"Yeah.","start":1746.86,"end":1747.36,"sentiment":"neutral","sentiment_score":0.06499207764863968},{"text":"Yeah.","start":1762.2251,"end":1762.7251,"sentiment":"neutral","sentiment_score":0.04798762872815132},{"text":"Yeah.","start":1764.305,"end":1764.7051,"sentiment":"neutral","sentiment_score":0.03841667249798775}],"sentiment":"neutral","sentiment_score":0.04231545701622963,"num_words":17,"start":1739.26,"end":1764.7051},{"sentences":[{"text":"Yeah.","start":1764.7051,"end":1765.2051,"sentiment":"neutral","sentiment_score":0.033617548644542694},{"text":"Got it.","start":1769.03,"end":1770.87,"sentiment":"neutral","sentiment_score":-0.0745355524122715},{"text":"I yeah.","start":1770.87,"end":1773.03,"sentiment":"neutral","sentiment_score":0.030803915113210678},{"text":"Yeah.","start":1773.03,"end":1773.19,"sentiment":"neutral","sentiment_score":0.04989314079284668},{"text":"So if you can maybe schedule another time where we can go through in a bit more detail, that's fine.","start":1773.19,"end":1778.865,"sentiment":"neutral","sentiment_score":0.07094742786139249}],"sentiment":"neutral","sentiment_score":0.05442292200258145,"num_words":26,"start":1764.7051,"end":1778.865},{"sentences":[{"text":"Just one question.","start":1778.945,"end":1779.665,"sentiment":"neutral","sentiment_score":0.03290758623431126},{"text":"What is the withdrawal amount of $12,000 on this portfolio?","start":1779.665,"end":1785.045,"sentiment":"neutral","sentiment_score":-0.011623824760317803},{"text":"Yeah.","start":1795.6,"end":1795.9199,"sentiment":"neutral","sentiment_score":-0.1450674831867218},{"text":"But this seems to be too high in I understand investments sorry.","start":1795.9199,"end":1800.16,"sentiment":"neutral","sentiment_score":-0.2568411206205686},{"text":"Insurance and all is there, but it's probably plus investment.","start":1800.16,"end":1804.1,"sentiment":"neutral","sentiment_score":-0.23020351082086563}],"sentiment":"neutral","sentiment_score":-0.15407532021506792,"num_words":36,"start":1778.945,"end":1804.1},{"sentences":[{"text":"Yeah.","start":1804.32,"end":1804.605,"sentiment":"neutral","sentiment_score":-0.01998618990182877},{"text":"Yeah.","start":1811.245,"end":1811.565,"sentiment":"neutral","sentiment_score":-0.005275454372167587},{"text":"If you can, please.","start":1811.565,"end":1812.625,"sentiment":"neutral","sentiment_score":-0.05791703425347805},{"text":"Yeah.","start":1812.6849,"end":1813.1849,"sentiment":"neutral","sentiment_score":-0.01896381378173828},{"text":"Yeah.","start":1823.9,"end":1824.3,"sentiment":"neutral","sentiment_score":0.03884667158126831}],"sentiment":"neutral","sentiment_score":-0.029630865436047316,"num_words":8,"start":1804.32,"end":1824.3},{"sentences":[{"text":"Maybe next week, if we can schedule half an hour, I think, like, we can get on to call next week and, yeah, do that.","start":1824.3,"end":1829.945,"sentiment":"neutral","sentiment_score":0.13083769038319587},{"text":"Yep.","start":1829.945,"end":1830.445,"sentiment":"neutral","sentiment_score":0.0733252465724945},{"text":"Okay.","start":1838.585,"end":1838.745,"sentiment":"neutral","sentiment_score":0.009350696578621864},{"text":"Monday sorry.","start":1838.745,"end":1839.705,"sentiment":"neutral","sentiment_score":-0.004016210325062275},{"text":"Tuesday.","start":1839.705,"end":1840.205,"sentiment":"neutral","sentiment_score":0.016886025667190552}],"sentiment":"neutral","sentiment_score":0.11208239359160264,"num_words":30,"start":1824.3,"end":1840.205},{"sentences":[{"text":"Yeah.","start":1840.265,"end":1840.765,"sentiment":"neutral","sentiment_score":0.03289244696497917},{"text":"Can we do half an hour later on a Monday next week?","start":1850.76,"end":1854.695,"sentiment":"neutral","sentiment_score":0.06486844550818205},{"text":"Yep.","start":1863.235,"end":1863.735,"sentiment":"neutral","sentiment_score":0.0708419680595398},{"text":"Yeah.","start":1864.515,"end":1864.755,"sentiment":"neutral","sentiment_score":0.0951220840215683},{"text":"Yeah.","start":1864.755,"end":1865.255,"sentiment":"neutral","sentiment_score":0.11376385390758514}],"sentiment":"neutral","sentiment_score":0.06819010619074106,"num_words":16,"start":1840.265,"end":1865.255},{"sentences":[{"text":"Yeah.","start":1866.0349,"end":1866.5349,"sentiment":"neutral","sentiment_score":0.06955833733081818},{"text":"Yep.","start":1871.28,"end":1871.78,"sentiment":"neutral","sentiment_score":0.15212619304656982},{"text":"Yeah.","start":1875.28,"end":1875.78,"sentiment":"positive","sentiment_score":0.3584110736846924},{"text":"Sure.","start":1877.52,"end":1877.92,"sentiment":"neutral","sentiment_score":0.21121762692928311},{"text":"If you can just send me some details on the withdrawals as well, please.","start":1877.92,"end":1881.2999,"sentiment":"neutral","sentiment_score":0.1396478366638933}],"sentiment":"neutral","sentiment_score":0.15257683023810387,"num_words":18,"start":1866.0349,"end":1881.2999},{"sentences":[{"text":"Would like to understand.","start":1881.605,"end":1882.5651,"sentiment":"neutral","sentiment_score":0.025889990851283073},{"text":"And then, yeah, obviously, this could be yeah.","start":1882.5651,"end":1885.625,"sentiment":"neutral","sentiment_score":-0.07779404055327177},{"text":"Really the managed one is is yeah.","start":1885.685,"end":1888.5651,"sentiment":"neutral","sentiment_score":-0.3152673212545259},{"text":"It's very poorly performed.","start":1888.5651,"end":1890.3251,"sentiment":"negative","sentiment_score":-0.6024815589189529},{"text":"So yeah.","start":1890.3251,"end":1892.5851,"sentiment":"neutral","sentiment_score":-0.19424639269709587}],"sentiment":"neutral","sentiment_score":-0.22096330523490906,"num_words":25,"start":1881.605,"end":1892.5851},{"sentences":[{"text":"Yeah.","start":1894.405,"end":1894.725,"sentiment":"neutral","sentiment_score":-0.013859644532203674},{"text":"Yeah.","start":1894.725,"end":1894.965,"sentiment":"neutral","sentiment_score":-0.004233421757817268},{"text":"Absolutely.","start":1894.965,"end":1895.465,"sentiment":"neutral","sentiment_score":0.011983055621385574},{"text":"So why was it left for so long in the portfolio if it was underperforming and you guys had some signals on it going down?","start":1897.84,"end":1907.38,"sentiment":"neutral","sentiment_score":-0.1844652357697487},{"text":"Yeah.","start":1961.915,"end":1962.3151,"sentiment":"neutral","sentiment_score":0.018607936799526215}],"sentiment":"neutral","sentiment_score":-0.15859079200389056,"num_words":29,"start":1894.405,"end":1962.3151},{"sentences":[{"text":"Yeah.","start":1962.3151,"end":1962.635,"sentiment":"neutral","sentiment_score":0.029522061347961422},{"text":"I would want some details on the on the overall portfolio as well.","start":1962.635,"end":1966.8151,"sentiment":"neutral","sentiment_score":0.0326811745762825},{"text":"If I look at the start of the period, $1.85 k, and if I look just look at the bottom line.","start":1968.635,"end":1973.25,"sentiment":"neutral","sentiment_score":-0.003400683170184493},{"text":"Right?","start":1973.25,"end":1973.75,"sentiment":"neutral","sentiment_score":0.02342437580227852},{"text":"Bottom second page.","start":1973.97,"end":1975.43,"sentiment":"neutral","sentiment_score":0.02029532256225745}],"sentiment":"neutral","sentiment_score":0.01238615818223671,"num_words":39,"start":1962.3151,"end":1975.43},{"sentences":[{"text":"$185 at the start investments of 31,000, which is basically a super contribution, I believe.","start":1976.29,"end":1981.65,"sentiment":"neutral","sentiment_score":0.14654527554909388},{"text":"$31,004.81 binds.","start":1981.65,"end":1984.39,"sentiment":"neutral","sentiment_score":0.11197003349661827},{"text":"That, I believe, is the super from super contribution.","start":1984.61,"end":1987.27,"sentiment":"neutral","sentiment_score":0.2148432864083184},{"text":"That would put me at $2,215,000, and I would then expect certain growth, which would then pay off the fees and the insurances.","start":1989.5349,"end":2005.4401,"sentiment":"neutral","sentiment_score":0.07046873571918062},{"text":"So, ideally so the market value is actually less than the starting position plus the deposits made in that, just 110,000.","start":2009.5,"end":2018.695,"sentiment":"neutral","sentiment_score":-0.008475710770913534}],"sentiment":"neutral","sentiment_score":0.08283571104652115,"num_words":70,"start":1976.29,"end":2018.695},{"sentences":[{"text":"Right?","start":2018.695,"end":2019.015,"sentiment":"neutral","sentiment_score":0.0056418683379888535},{"text":"Just just on that basis, it is less.","start":2019.015,"end":2021.115,"sentiment":"neutral","sentiment_score":-0.19105155766010284},{"text":"So I'm just yeah.","start":2021.1749,"end":2022.215,"sentiment":"neutral","sentiment_score":-0.07036842405796051},{"text":"A little I'm not able to understand why is there so much of downtrend in the portfolio and what is the withdrawal amount of 12,200?","start":2022.215,"end":2031.97,"sentiment":"neutral","sentiment_score":-0.18631408214569092},{"text":"Yep.","start":2075.675,"end":2076.175,"sentiment":"neutral","sentiment_score":0.10370241850614548}],"sentiment":"neutral","sentiment_score":-0.16303574164899495,"num_words":39,"start":2018.695,"end":2076.175},{"sentences":[{"text":"Yeah.","start":2086.01,"end":2086.51,"sentiment":"neutral","sentiment_score":0.1012422740459442},{"text":"Yeah.","start":2099.2249,"end":2099.545,"sentiment":"neutral","sentiment_score":0.051191844046115875},{"text":"I would, yeah, I would want to go through, the details on Monday.","start":2099.545,"end":2102.9849,"sentiment":"neutral","sentiment_score":0.16733026046019334},{"text":"Yeah.","start":2102.9849,"end":2103.145,"sentiment":"neutral","sentiment_score":0.08407957851886749},{"text":"So I'll probably have few questions for you on Monday.","start":2103.145,"end":2106.25,"sentiment":"neutral","sentiment_score":0.0321357361972332}],"sentiment":"neutral","sentiment_score":0.10512170940637589,"num_words":26,"start":2086.01,"end":2106.25},{"sentences":[{"text":"Yeah.","start":2109.03,"end":2109.43,"sentiment":"neutral","sentiment_score":0.10111811012029648},{"text":"Yeah.","start":2109.43,"end":2109.93,"sentiment":"neutral","sentiment_score":0.09715370833873747},{"text":"Yeah.","start":2110.07,"end":2110.47,"sentiment":"neutral","sentiment_score":0.10875891894102097},{"text":"But it it's not looking a little rosy to me on the first instance.","start":2110.47,"end":2114.01,"sentiment":"neutral","sentiment_score":-0.18151340154664858},{"text":"So yeah.","start":2114.8699,"end":2115.59,"sentiment":"neutral","sentiment_score":0.15210049599409103}],"sentiment":"neutral","sentiment_score":-0.10157662590867594,"num_words":19,"start":2109.03,"end":2115.59},{"sentences":[{"text":"Alright.","start":2115.59,"end":2116.005,"sentiment":"neutral","sentiment_score":0.24886956810951233},{"text":"Yeah.","start":2123.2048,"end":2123.7048,"sentiment":"neutral","sentiment_score":0.2183343470096588},{"text":"Sure.","start":2124.7249,"end":2125.125,"sentiment":"positive","sentiment_score":0.4887925386428833},{"text":"Thanks.","start":2125.125,"end":2125.625,"sentiment":"positive","sentiment_score":0.7498677968978882},{"text":"Bye.","start":2126.4048,"end":2126.9048,"sentiment":"positive","sentiment_score":0.6314036846160889}],"sentiment":"positive","sentiment_score":0.4674535870552063,"num_words":5,"start":2115.59,"end":2126.9048},{"sentences":[{"text":"Yeah.","start":2127.2048,"end":2127.7048,"sentiment":"positive","sentiment_score":0.3814976215362549},{"text":"Cheers.","start":2128.6448,"end":2129.045,"sentiment":"positive","sentiment_score":0.683152437210083},{"text":"Bye.","start":2129.045,"end":2129.545,"sentiment":"positive","sentiment_score":0.3652421832084656}],"sentiment":"positive","sentiment_score":0.4766307473182678,"num_words":3,"start":2127.2048,"end":2129.545}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi, Jascha.\n\nChannel 0: Good afternoon. This is Veronica from Oakview Financial. How are you this afternoon?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: I'm good. Thanks. I had you booked in for a little bit of a catch up. Is now still a good time for you?\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: It's all that. Yep.\n\nChannel 0: Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Date of birth twenty first September nineteen eighty. And address is 20 Elkhorn Way, Point Cook, Victoria 3030.\n\nChannel 0: Perfect. That's exactly what I have here. How's your day been so far? Been busy?\n\nChannel 1: Yeah. What's going on? Busy. Work.\n\nChannel 0: Well, I'll try not to keep you for too long. Essentially, I do have you booked in because I believe you had a couple of questions in regards to the child bond with Gen Life.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. And I can see here that you your main kind of question was in regards to making additional kind of lump sum contributions for your children?\n\nChannel 1: Yeah. Because what I understand is in the first year, there is no limit\n\nChannel 0: Correct.\n\nChannel 1: to how much contribution I can make without impacting so it has no impact on the taxation side as well,\n\nChannel 0: Correct.\n\nChannel 1: and\n\nChannel 0: Yes.\n\nChannel 1: it doesn't\n\nChannel 0: That's\n\nChannel 1: impact\n\nChannel 0: correct.\n\nChannel 1: the next the ongoing 125% contribution as well that I need to make.\n\nChannel 0: Correct. That's correct.\n\nChannel 1: So, yes, I wanted to confirm these two and then obviously understand what is your advice.\n\nChannel 0: Yeah. Yes. Sorry. Definitely, the first twelve months is great because it does give you that flexibility. So if it is that you do have a bit of a lump sum that you do wanna put in, most definitely, Drew, sorry, within the first twelve months.\n\nI did have a look as well just to confirm, and you are correct, that the anniversary date is the April 22. So if it is that you do have a little bit that you wanna put in, I suggest doing that before the April 22 just to give you that flexibility for the next couple of years. Because after the first twelve months, it is that 125 rule. So, basically, if you because I think you're doing the $250 per month contributions. Is that correct?\n\nChannel 1: Correct. Yeah. That's correct.\n\nChannel 0: Yep. So if, for example, you do $250 for twelve months and then you do, let's say, 10,000 as a lump sum, that means that in a twelve month period, you've done six sorry, $13,000. Then\n\nChannel 1: Mhmm.\n\nChannel 0: next year, that means that you can do a 125 percent of that. You don't have to. It just means that it allows you to. So that would mean that you can do up to 16,250 without resetting any time frame. You don't have to.\n\nYou can still then decide to just do the $250 for the whole duration if you want to for the next next year. But it would mean that the following year, you can basically just do a 125% of the previous year. So whatever that might be, it changes.\n\nChannel 1: But it doesn't have to be under 25 or it doesn't even have to be\n\nChannel 0: No.\n\nChannel 1: so to\n\nChannel 0: No.\n\nChannel 1: tell me one thing. When I set it up initially, I made a bulk contribution and then\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: $250 per month. Right? So that is how\n\nChannel 0: Yes.\n\nChannel 1: I set it up. So\n\nChannel 0: Yes.\n\nChannel 1: assuming assuming I made $10,000 initially and then $250 after that.\n\nChannel 0: So\n\nChannel 1: Yeah. I can, in fact, check what it what it was really.\n\nChannel 0: yeah. So what I'll actually do\n\nChannel 1: Yeah.\n\nChannel 0: is because your annual review is also due, I have actually prepped the documents for you for your annual review, and part of that is actually a summary of the Gen Life form. So\n\nChannel 1: Yeah.\n\nChannel 0: what I will do do you have access to your emails at the moment, Jayesh? Or\n\nChannel 1: Yeah.\n\nChannel 0: not really?\n\nChannel 1: I do. I do.\n\nChannel 0: Yep. Okay. Perfect. So I'm just gonna send this to you so we can kind of start there.\n\nChannel 1: Yeah. Yeah. So\n\nChannel 0: And\n\nChannel 1: you can\n\nChannel 0: that\n\nChannel 1: send but but the question I had was sorry. So if I look at one of my child, so I I made an initial contribution of $10,000\n\nChannel 0: yep.\n\nChannel 1: last April 20 twenty second April twenty twenty five. And\n\nChannel 0: Yep.\n\nChannel 1: then from there on, May onwards, I've been making $250 as a regular contribution. So\n\nChannel 0: Yep.\n\nChannel 1: I think the total contribution is whatever, 13,000, sorry, $12,007.50.\n\nChannel 0: Mhmm.\n\nChannel 1: Now tell me a couple a couple of scenarios. Right? If I\n\nChannel 0: Yeah.\n\nChannel 1: if I don't make the bulk contribution now and I continue with this plan, next\n\nChannel 0: Yep.\n\nChannel 1: year's max investment I can do is 125% of the $12,007.50.\n\nChannel 0: Correct.\n\nChannel 1: Is that correct? Okay.\n\nChannel 0: That is correct.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: If I do make a bulk contribution, let's say I make a bulk contribution of $10,000 now, which\n\nChannel 0: Mhmm.\n\nChannel 1: will take the inflow of the current year to $22,750,\n\nChannel 0: Yep.\n\nChannel 1: so the 125% will be of twenty two thousand seven fifty or $12,007.50?\n\nChannel 0: '22.\n\nChannel 1: '20\n\nChannel 0: So\n\nChannel 1: two.\n\nChannel 0: I'll just yes.\n\nChannel 1: Okay. But I don't have to necessarily make 125% contribution or even 100% contribution. I can\n\nChannel 0: No.\n\nChannel 1: continue doing $250 as a regular basis. Yeah?\n\nChannel 0: Correct. Correct.\n\nChannel 1: Okay.\n\nChannel 0: You can. You even can. So if there's ever a situation where your finances change and\n\nChannel 1: Yep.\n\nChannel 0: you decide that I cannot make any contributions whatsoever anymore, you can stop it. There is nothing saying you have to. The only kind of thing to be mindful of is that, let's say, for this one year that you make zero contributions because a 125% of zero is zero. So that just means that if you completely stop, and then let's say in two years' time, you go, oh, no. I wanna start it.\n\nIt would then reset the time frame. But to get around that, you could open up, like, another one, for example. That is the only kind of downside by decreasing for the next couple of years if it is something that you want to do. But you don't have to do a 125 at all. You can decide to do just keeping it exactly the same for the whole duration of the bond.\n\nYou could just keep the $2.50 per month for for the rest of the duration. You don't have to change it. It just allows you to do up to a max of that amount.\n\nChannel 1: Okay. So sorry.\n\nChannel 0: Does\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: didn't\n\nChannel 0: make\n\nChannel 1: understand\n\nChannel 0: sense?\n\nChannel 1: one point. You're saying if if in between I\n\nChannel 0: Mhmm.\n\nChannel 1: don't contribute for a certain duration,\n\nChannel 0: Yep.\n\nChannel 1: it resets. What does that mean?\n\nChannel 0: So let's say the April 22 until 04/22/2027. So between the April 2026 and 04/22/2027, you stop contributions altogether. So you don't do anything. That means that the year 2027 to 2028, you can't make contributions because you've stopped it.\n\nChannel 1: So\n\nChannel 0: So\n\nChannel 1: you\n\nChannel 0: that\n\nChannel 1: made\n\nChannel 0: would\n\nChannel 1: zero\n\nChannel 0: reset.\n\nChannel 1: peak this year, so the next year is\n\nChannel 0: Correct.\n\nChannel 1: zero of 01/25.\n\nChannel 0: Correct. Exactly. So\n\nChannel 1: Okay.\n\nChannel 0: that is the only the only kind of thing to be mindful of if you decrease it.\n\nChannel 1: But then\n\nChannel 0: But\n\nChannel 1: then what happens the year after? Or or what's\n\nChannel 0: it\n\nChannel 1: the\n\nChannel 0: would\n\nChannel 1: how do how\n\nChannel 0: it\n\nChannel 1: do I get back to $250 after that per per\n\nChannel 0: It\n\nChannel 1: month?\n\nChannel 0: yeah. So the only way to go back if you stop for a whole year is to either open up a new investment bond if you don't wanna reset the time frame. Or if you do start making those $2.50, it will reset the time frame. So\n\nChannel 1: Reset\n\nChannel 0: that is\n\nChannel 1: the\n\nChannel 0: kind\n\nChannel 1: time\n\nChannel 0: of\n\nChannel 1: frame. So did all my\n\nChannel 0: correct.\n\nChannel 1: investments become zero, is it? As in all my all my gains become zero? Is that what you're\n\nChannel 0: No.\n\nChannel 1: saying?\n\nChannel 0: No. They all say that. It just means from a tax point of view. So let's say you make contributions, and then you you say that from ten years or when you set the bond up, you wanna take it all out and give to your children. If you let's say after five years, stop contribution, and then let's say, year seven, you decide to put more in, you still have all the gains.\n\nAll the money is still there. It's still yours.\n\nChannel 1: Yeah.\n\nChannel 0: It just means that from what makes us so tax effective with the bond, obviously, having that 0%, that time frame reset. So if you put money\n\nChannel 1: So the\n\nChannel 0: in\n\nChannel 1: first five\n\nChannel 0: at\n\nChannel 1: years first five years doesn't become tax free. Is that what you mean?\n\nChannel 0: correct. Exactly. So if it just resets the time frame if you stop for\n\nChannel 1: Right.\n\nChannel 0: twelve months. Yeah. So all\n\nChannel 1: Okay.\n\nChannel 0: the money is still there. It just kind of makes it, like, not as tax effective by resetting the the time frame. But let's say if you have it that your time frame is ideally fifteen years, let's say, then\n\nChannel 1: Yeah.\n\nChannel 0: you can reset the time frame. It doesn't really matter because you don't wanna take the money out for fifteen years anyway. So\n\nChannel 1: Yeah.\n\nChannel 0: all\n\nChannel 1: Yeah.\n\nChannel 0: the money is still there. It is a bit complex, but does it kind of make sense? It seems like you have a pretty good understanding of it.\n\nChannel 1: Yeah. Yeah. It's better to continue. That's what\n\nChannel 0: Yes.\n\nChannel 1: that's the summary. And what what\n\nChannel 0: Yes.\n\nChannel 1: if the amount decreases? So let's say instead of $2.50,\n\nChannel 0: Yep.\n\nChannel 1: let's say for a year, I just want to bring it down to $200.\n\nChannel 0: Yep.\n\nChannel 1: Does that impact as well or does it doesn't impact?\n\nChannel 0: It does. So\n\nChannel 1: It\n\nChannel 0: it\n\nChannel 1: does.\n\nChannel 0: kind of it changes every year, which is a 120. So let's say 2020 sorry. April, for simplicity, let's keep it April 2026 to April 2027. Let's say you did $200 a month. Now that is 2,400.\n\nNow the 2027 to 2028, you can then do 3,000 max for that year because that\n\nChannel 1: Yeah.\n\nChannel 0: is\n\nChannel 1: Just\n\nChannel 0: a 100\n\nChannel 1: just\n\nChannel 0: and\n\nChannel 1: the one\n\nChannel 0: twenty.\n\nChannel 1: 25% changes. That's\n\nChannel 0: Correct.\n\nChannel 1: it. Right? But\n\nChannel 0: So\n\nChannel 1: it\n\nChannel 0: the\n\nChannel 1: doesn't\n\nChannel 0: 100\n\nChannel 1: it\n\nChannel 0: and\n\nChannel 1: doesn't\n\nChannel 0: 20\n\nChannel 1: impact it doesn't impact previously like it reset the\n\nChannel 0: no. No.\n\nChannel 1: okay.\n\nChannel 0: No. No. Not that. As long as you don't go over one twenty, which is why they call it a 120% rule. So if\n\nChannel 1: Okay.\n\nChannel 0: if you stay within the 125%, you can, if you want through every year, increase it to the max amount, and\n\nChannel 1: Yeah.\n\nChannel 0: you'll\n\nChannel 1: Got\n\nChannel 0: stay with with under the threshold.\n\nChannel 1: it.\n\nChannel 0: It's just if you go over. The\n\nChannel 1: Got\n\nChannel 0: good\n\nChannel 1: it.\n\nChannel 0: thing\n\nChannel 1: So it\n\nChannel 0: with\n\nChannel 1: should not ideally be zero is what I understand. If it becomes\n\nChannel 0: correct. Correct.\n\nChannel 1: zero, then it resets. But it can\n\nChannel 0: Correct.\n\nChannel 1: be anywhere between zero or $1 to the $1.25\n\nChannel 0: Yes.\n\nChannel 1: percent of that amount.\n\nChannel 0: 100%.\n\nChannel 1: Right?\n\nChannel 0: Yes.\n\nChannel 1: Okay.\n\nChannel 0: Correct.\n\nChannel 1: Okay. Then\n\nChannel 0: And\n\nChannel 1: then\n\nChannel 0: the\n\nChannel 1: there\n\nChannel 0: good\n\nChannel 1: are no issues in that sense. Okay.\n\nChannel 0: no. Exactly. And\n\nChannel 1: Got\n\nChannel 0: the\n\nChannel 1: it.\n\nChannel 0: good thing with Genlife as well is that if for for some reason, you forget the rule or you are not sure how much you've done and you put extra in, and you don't tell us and you're just like, oh, yeah. I wanna put in. Genlife will notify us. So they have kind of a safety, so they will notified us and say, hey. We've seen that there's more than a 125% added this year.\n\nIs that correct, or do you want us to refund some of the amount?\n\nChannel 1: Got\n\nChannel 0: So\n\nChannel 1: it.\n\nChannel 0: they are very\n\nChannel 1: Got\n\nChannel 0: good with letting us know and communicate if it is a\n\nChannel 1: it.\n\nChannel 0: situation. But I would say if you are unsure or if you're trying to do more, just\n\nChannel 1: Yep.\n\nChannel 0: give us a call, and we can can just run through the numbers just to make sure\n\nChannel 1: Yep.\n\nChannel 0: you stay under the threshold.\n\nChannel 1: Yep. Got it. Got it.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Does that answer those questions for you?\n\nChannel 1: Yeah. Yeah. No. I think it answers.\n\nChannel 0: Yeah.\n\nChannel 1: Look. I think I one year ago when I set all this up, I\n\nChannel 0: Yeah.\n\nChannel 1: probably did get all these answer, but, you know, as a human\n\nChannel 0: No.\n\nChannel 1: psychology,\n\nChannel 0: That's okay.\n\nChannel 1: you tend to forget.\n\nChannel 0: Oh, yes. And it it it is messy, and sometimes it's good to refresh because especially in a year's time, you're like, oh, yeah. And I would much rather have you calling. And\n\nChannel 1: Yeah.\n\nChannel 0: if that's every six months or three months we go through this and make sure that you have all the information and we do the right thing\n\nChannel 1: Yeah.\n\nChannel 0: for\n\nChannel 1: Yeah.\n\nChannel 0: you and your kids, that's fine. You\n\nChannel 1: Yep.\n\nChannel 0: know? Rather that way, then you forget and then do something\n\nChannel 1: Correct.\n\nChannel 0: completely different.\n\nChannel 1: Yeah.\n\nChannel 0: And then I'm like, no. Why did we do that?\n\nChannel 1: No. Absolutely.\n\nChannel 0: So\n\nChannel 1: Yeah. No. Makes\n\nChannel 0: that\n\nChannel 1: sense.\n\nChannel 0: is\n\nChannel 1: Makes sense. And\n\nChannel 0: that\n\nChannel 1: and\n\nChannel 0: is\n\nChannel 1: and but, obviously, so\n\nChannel 0: yeah.\n\nChannel 1: many other things, right, financially,\n\nChannel 0: Yes.\n\nChannel 1: so you tend to lose track of things.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: And it is good that you have the the regular contribution plan. I think that is one of the best way. Because one, it comes out automatically. You don't have\n\nChannel 1: Yeah.\n\nChannel 0: to think\n\nChannel 1: You don't\n\nChannel 0: about\n\nChannel 1: have\n\nChannel 0: it.\n\nChannel 1: to do it. Exactly. Yeah. Yeah.\n\nChannel 0: Correct. And it also takes advantage of all the ups and downs in the market because it's near impossible to kinda time when it's\n\nChannel 1: Yeah.\n\nChannel 0: the best time. But doing it regular means that sometimes you're buying when the prices is a little bit high. Sometimes you're buying at the bottom, which is great. So it kind\n\nChannel 1: Yep.\n\nChannel 0: of evens that out by doing it regular for you as well.\n\nChannel 1: Yep. Great. Alright. So now tell me, I'm keen to make additional contribution for obviously, a bulk contribution because in the first year, there's no limit to it. I think I initially set up $10,000 and then $2.50.\n\nI'm just checking\n\nChannel 0: Yes.\n\nChannel 1: for both my child. $1.05 $8.07 and $8.06. Yeah. I I think that's it's the same amount, $10,002.50. Can\n\nChannel 0: Yep.\n\nChannel 1: I what is your recommendation in terms of making additional bulk contribution right now? And\n\nChannel 0: I think\n\nChannel 1: do you\n\nChannel 0: yeah. So in order for me to make an official recommendation, I have to do it through a statement of advice because it is personal advice. From a general point of view is if you have additional money at the moment that you want to, obviously, make sure it does a bit more for your children, with everything going on in the market at the moment, it's not necessarily a bad time as long as the investments are correct because prices and things in some areas are down. So it's not a bad thing, especially if it's a long term investment because historically speaking as well, the market always go goes up\n\nChannel 1: Yep.\n\nChannel 0: as long as\n\nChannel 1: Yep.\n\nChannel 0: there's no fundamental issues with the investment itself. So it's not a bad thing, especially if it's a long term investment.\n\nChannel 1: Yep.\n\nChannel 0: The other kind of side of it would be like, okay. Well, what are your other goals? What else are you trying to achieve? And if\n\nChannel 1: Yeah.\n\nChannel 0: by putting a lump sum into this, does that impact other things? But\n\nChannel 1: Yep.\n\nChannel 0: in terms of from simplicity, should you put more money in if you have the capacity to do so and it doesn't\n\nChannel 1: Yep.\n\nChannel 0: impact other goals for\n\nChannel 1: Yep.\n\nChannel 0: you,\n\nChannel 1: Got\n\nChannel 0: it is a very tax effective way to do it. Does\n\nChannel 1: it.\n\nChannel 0: that\n\nChannel 1: Got\n\nChannel 0: make\n\nChannel 1: it.\n\nChannel 0: sense?\n\nChannel 1: Yeah. Yeah. And then I'm assuming yeah. The the obviously, the markets are low, so the number of units purchased would be higher to the amount contributed. So there's\n\nChannel 0: Yes.\n\nChannel 1: a better ROI in that sense.\n\nChannel 0: Exactly. So, obviously, things are which is actually the documents. So\n\nChannel 1: Yeah?\n\nChannel 0: do you have access to your emails at the moment?\n\nChannel 1: Yeah. Yeah. I've just got I've just opened the email\n\nChannel 0: Yep.\n\nChannel 1: and\n\nChannel 0: Perfect.\n\nChannel 1: the\n\nChannel 0: So we have\n\nChannel 1: document.\n\nChannel 0: just changed the software, so it might look a little bit different to what you are used to. When you click on the email so before you click on the link so when you click on the link, it will get you to sign the document. Before\n\nChannel 1: Yep.\n\nChannel 0: you do that, you will see that there are a couple of attachments. Can you see those? Like, can\n\nChannel 1: Yeah.\n\nChannel 0: you see\n\nChannel 1: I've just got I'll open the sign document link. It opens a document. The first\n\nChannel 0: yep.\n\nChannel 1: one, it says consent to new ongoing fees arrangement.\n\nChannel 0: Yeah. So if you just get out of that first, just so I can run through the other documents before I get you to sign anything just to make sure you're happy. If you can just just before clicking on the link, if you scroll down at the bottom of the email, can you see where it says, like, Vanguard index chart and Hub\n\nChannel 1: Yeah.\n\nChannel 0: 20\n\nChannel 1: Yeah.\n\nChannel 0: four?\n\nChannel 1: I can see those links. Yep.\n\nChannel 0: Yes. So for example, if you wanna click on the Vanguard index chart for me.\n\nChannel 1: Yep.\n\nChannel 0: Let me just see. Can you see that okay?\n\nChannel 1: Yeah. It's hoping that it's downloading. Give me one sec.\n\nChannel 0: Yep. Sure. And you probably have seen something similar to this before.\n\nChannel 1: Yeah. I'm just opening that up. Yep. I opened it. Yeah.\n\nChannel 0: Yep. Perfect. So this is kind of a good visual way of explaining and seeing the market and seeing the ups and downs. So, obviously, this one here goes all the way back through 1995 and then through through 2025. And it shows you as well kind of, you know, over the long term, the market always goes up.\n\nShort term, though, there are those ups and downs and market fluctuations. And sometimes you can see as well that, like, the biggest decreases in the market are quite closely followed by the market going back up again, obviously, depending on what is going on.\n\nChannel 1: Mhmm.\n\nChannel 0: And this one here also breaks down the different asset classes. So to the right, you will see your top four. So US shares, Australian shares, international shares, and property. Now these kind of falls into the category of we would call your growth investment.\n\nChannel 1: Yep.\n\nChannel 0: So so they are the ones that's going to maximize that growth for you. The bottom three are your defensive. So these are a little bit more, obviously smoother as you can see, but they don't grow as much.\n\nChannel 1: Yep.\n\nChannel 0: So these are your defenses. Now with your Genlife investment portfolio that I know you set up with my colleague, Kyle, you are in a Vanguard, let me just see, head growth portfolio, I believe.\n\nChannel 1: I believe so. Yeah.\n\nChannel 0: Yes. Which is kind of aiming for around a eighty twenty split. So about 80% typically in those top four and about 20 in the bottom because you do have obviously time until, you know, at least that ten years until you wanna give it to your children or whenever you decide that you would like to give it to them. So it is a, you know, a good time frame to do that.\n\nChannel 1: Yeah.\n\nChannel 0: Now the next two attachments that I can see here is your Genlife portfolio per service port. Sorry. Can you see those?\n\nChannel 1: Yeah.\n\nChannel 0: They're\n\nChannel 1: Two\n\nChannel 0: just\n\nChannel 1: of them. Yep.\n\nChannel 0: exactly which is just your generation life. You can see that, obviously, it's a child build up bond, investment bond. You can also see your Vanguard growth portfolio there. You can see your closing balance at the moment. So at the moment, you have 13,568 and 85¢.\n\nAnd then you can see the total after tax performance. So that is still at 6.25 despite everything going on in the market, which is not bad given the last twelve months have seen a bit of a fluctuation.\n\nChannel 1: Yeah.\n\nChannel 0: So that's those for you. Now the next one is your hub twenty four portfolio report. Can you see that okay?\n\nChannel 1: Have twenty four twenty twelve month IRR.\n\nChannel 0: Yes.\n\nChannel 1: Yeah?\n\nChannel 0: Now this one here is probably the one that looks the messiest. But this one essentially shows you your hub twenty four investment over the last twelve\n\nChannel 1: Okay.\n\nChannel 0: months. Now this is all after fees as well.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry.\n\nChannel 1: Just looking down the road. One second.\n\nChannel 0: Yep. No. That's okay. And while that loads for you, we currently have you invested in a growth portfolio as well for your superannuation.\n\nChannel 1: Mhmm.\n\nChannel 0: Are you still comfortable with that growth portfolio, or has your risk tolerance or anything changed?\n\nChannel 1: Not really. I think\n\nChannel 0: No.\n\nChannel 1: I'm okay with that. In fact, right right now is the time to invest in equities.\n\nChannel 0: Yep.\n\nChannel 1: So yeah.\n\nChannel 0: Okay. Perfect. And you do have the time frame behind you as well in a growth portfolio because, typically, we say, you know, a growth, we do wanna see ideally a minimum of six years until retirement, making sure, obviously, you have enough time for those ups and downs and market fluctuations, which you do have. And it's also that kind of eighty twenty split.\n\nChannel 1: Yeah.\n\nChannel 0: Did that open up? Yes. Yes.\n\nChannel 1: Market value at this start of the period, market value at the end is 206, income income and growth. What does income in the period mean? From dividends, you mean?\n\nChannel 0: Yes. So exactly that dividends and stuff paid, and then growth in the period is obviously increasing in prices and stuff for you.\n\nChannel 1: Yeah.\n\nChannel 0: So it\n\nChannel 1: Okay.\n\nChannel 0: kind of breaks it down. And, typically, what most people are interested in is the end value and the start value and then the internal rate of return column, which is the second one to the right. Because\n\nChannel 1: Yep.\n\nChannel 0: this one here is the individual return of each of your investments and how they have performed all after fees. Now the total of everything as well doesn't include your contributions. This is just how your investments have done. So as you can see here, there is a bit of a So as you can see here, there is a bit of a spread, obviously, again, because what is going on in the market. So as you can see that the ones in the bracket, which is your Benelon Australian equity, and then the beta shares live global cybersecurity.\n\nNow these\n\nChannel 1: Yep.\n\nChannel 0: are the ones that's currently down at the moment. The rest are positive.\n\nChannel 1: Yep.\n\nChannel 0: So with your portfolio as well, with the global cybersecurity, obviously, AI technology, that space is not going anywhere anytime soon. So there are obviously opportunities in this space, and it is more of like a cyclical trend wide down at the moment. Overall, kind of tech stocks have been a little bit weaker overall, especially globally. It's not something that we kind of long term at the moment are too concerned about, though, because it is a good stable investment long term. And, obviously, there are a lot of things in the AI space at the moment.\n\nYou also wanna avoid sometimes selling if you believe in the investment selling when the prices are down because that's when you are crystallizing the losses. However, with the Bennelong investment can you see that one? That's the one that's down the most.\n\nChannel 1: Yep.\n\nChannel 0: Now this investment here, I do want to look at reviewing for you. The reason being is that the Benelon Australian Equity, it is a little bit different to your other investments in that it is a managed fund. Have you heard of that before?\n\nChannel 1: Yeah. Sort of. But I don't really know exactly what that\n\nChannel 0: No.\n\nChannel 1: thing\n\nChannel 0: No.\n\nChannel 1: is. But yeah.\n\nChannel 0: Sorry. How that one is different is that they are a managed fund, and the the purpose is to actively buy and sell different investments in order to try to outperform the market. Whereas the other investments are kind of tracking an index. So for\n\nChannel 1: Yep.\n\nChannel 0: example, iShares S and P 500 is to kinda compare, which is the one at the bottom, which it\n\nChannel 1: Yeah.\n\nChannel 0: says I b b. Now this one here, to kinda simplify it, it invests in the 500 largest companies listed on in The US. So as a company grows and you get in through those 500 biggest companies, it gets added to the investments. And as something gets smaller, it comes out. So you basically just track the the 500 biggest companies, which is obviously a lot of growth opportunities in The US space in that way.\n\nSo you don't need as much co kind of research or actively buying and selling, which can trigger capital gains tax for these investments. So then along was added to the portfolio to give you that kind of active component, which does trying to outperform the market by buying and selling more frequently. Now at the time when it was added to your portfolio as well, it was one of their best performing fund managers, and they had performed really well. More recently, they have underperformed, which you can see here.\n\nChannel 1: Yep.\n\nChannel 0: There are a couple of reasons why we look through we want to look at reviewing the portfolio and potentially swap that out if we can find something else. Is that because if you are paying to have someone actively buying and selling during the research, you wanted to outperform. And if it's not outperforming,\n\nChannel 1: Yeah.\n\nChannel 0: then why are you paying a little bit of extra for\n\nChannel 1: Absolutely.\n\nChannel 0: it, essentially?\n\nChannel 1: This is yeah. This is contrary to the fundamental\n\nChannel 0: Exact\n\nChannel 1: goal.\n\nChannel 0: exactly. Now, also, they have made a couple of calls on different investments that haven't played off recently, and they've been a little bit slower in making changes. So we've been a little bit kind of, okay. Well, that might not be the best option moving forward. And another reason is it wasn't really them, but one of the companies that they had in their portfolio was Corporate Travel Group.\n\nNow they had a bit of issues with reporting. I'm not sure if you've heard of them.\n\nChannel 1: Yeah.\n\nChannel 0: I think it\n\nChannel 1: I\n\nChannel 0: was\n\nChannel 1: know\n\nChannel 0: on\n\nChannel 1: that.\n\nChannel 0: the news.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. So obviously, had a bit of issues, cost suspension. They couldn't trade, obviously, things fell. So if you are happy for me to do so, I would like to do a bit more research on your investments, but specifically just your one. The other ones are not doing too bad, but I still would just like to review everything as a whole because it is good to do because things always change.\n\nThe market always change, and we wanna make sure that we always keep up to date with obviously making sure that whatever we have you invested in is going to be the best for you. And it's all part of\n\nChannel 1: Yeah.\n\nChannel 0: the ongoing service.\n\nChannel 1: Yeah.\n\nChannel 0: There's no additional fees or anything like that. It's all part of the ongoing service to see if we wanna swap that out for you for something else. Are you happy for me to do that?\n\nChannel 1: Yeah. Yeah. Please.\n\nChannel 0: Yeah.\n\nChannel 1: So tell me one thing, the the investment calls are made by you folks, as in which funds to invest and which securities to invest as a combination of the portfolio? Is it HUB24 who makes that call?\n\nChannel 0: Wait. So oh, for you,\n\nChannel 1: You\n\nChannel 0: Drew.\n\nChannel 1: guys\n\nChannel 0: So\n\nChannel 1: make\n\nChannel 0: how\n\nChannel 1: that\n\nChannel 0: many\n\nChannel 1: call.\n\nChannel 0: four?\n\nChannel 1: Right?\n\nChannel 0: Just cover that as your bank account, basically,\n\nChannel 1: Yeah. HUB24\n\nChannel 0: or\n\nChannel 1: is just\n\nChannel 0: your\n\nChannel 1: an\n\nChannel 0: super.\n\nChannel 1: investment vehicle. Got it.\n\nChannel 0: Exactly.\n\nChannel 1: It.\n\nChannel 0: Where we do all of that. Now with the investment, I do wanted to check something else with you is have you read our newsletter at all? Do you read that every now and then or or not really?\n\nChannel 1: Yeah. Not really.\n\nChannel 0: No. Most people are the same. That's why I asked. I do suggest maybe going back on the the last one after the call if\n\nChannel 1: Yeah.\n\nChannel 0: you want to. The reason\n\nChannel 1: Mhmm.\n\nChannel 0: I do ask is that we have recently merged or joined forces with BlackRock. Have you heard of BlackRock?\n\nChannel 1: Yeah.\n\nChannel 0: They are\n\nChannel 1: Yeah.\n\nChannel 0: massive. Yeah. So we've joined and partnered up with them to create our own SMA, so a self managed account. Have you ever heard of that?\n\nChannel 1: No. I'm not. Yeah.\n\nChannel 0: No. Sorry. The way that the so you can still obviously do it in Hub twenty four still within your super. It's just a slightly different way. So at the moment, you have what we would call, like, your model portfolio.\n\nSo you can see all your individual investments here. Now if I want to go and make a change, so, obviously, the investment committee, if we we do all the research and we just see that, for example, Bennelong might not be the best option, we wanna change it out for you. We would obviously go and do all the research. But to make a change, I would have to put everything in a SOA for you, go through the changes, and then you would have to sign and agree to the change before I can make the change. Obviously,\n\nChannel 1: Yeah.\n\nChannel 0: that process does take a little bit because it is quite compliant and heavy from research. So it does take a little bit, which it gives you the full control of the change, but at the same time, it sometimes a bit of a lagging effect because it takes a little bit to do. And, obviously, things with market fluctuations, sometimes you wanna react quickly, but, obviously, a lot of it is kind of long term investment.\n\nChannel 1: Yeah.\n\nChannel 0: Now\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: how the\n\nChannel 1: So\n\nChannel 0: SMA?\n\nChannel 1: I would yeah. I'd be keen to understand options. I'm\n\nChannel 0: Yeah.\n\nChannel 1: I'm I'm sorry. I'm squeezed for time. I just had\n\nChannel 0: No.\n\nChannel 1: kept half an hour because I've got get to got to get into another call. But\n\nChannel 0: That's okay.\n\nChannel 1: happy for you to have a look at it. But, yeah, I'm just looking at this report, and, obviously,\n\nChannel 0: Yes.\n\nChannel 1: Benelong is the biggest, which is a little surprising because, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: it's almost\n\nChannel 0: It\n\nChannel 1: a\n\nChannel 0: had\n\nChannel 1: 20\n\nChannel 0: done\n\nChannel 1: five\n\nChannel 0: so\n\nChannel 1: percent\n\nChannel 0: well.\n\nChannel 1: dip. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: And\n\nChannel 0: Yes.\n\nChannel 1: it's it's obviously one of the biggest not one of the biggest, but, yeah, on the top\n\nChannel 0: Pretty\n\nChannel 1: portfolios\n\nChannel 0: high\n\nChannel 1: of\n\nChannel 0: holding.\n\nChannel 1: investments.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Exactly.\n\nChannel 1: So I would have expected a better management\n\nChannel 0: Yes.\n\nChannel 1: of this to be fair.\n\nChannel 0: Exactly. Which is why\n\nChannel 1: Yeah.\n\nChannel 0: so I know I'm very mindful of you leaving, so I just wanted to check. SMA, how it's different is that you invest in a portfolio. Now we invest we black with that. So we joined their investment committee along with our investment committee to\n\nChannel 1: Yeah.\n\nChannel 0: come up with the investment in the estimate.\n\nChannel 1: Yeah.\n\nChannel 0: The\n\nChannel 1: Yeah.\n\nChannel 0: the biggest benefit is that we can chop and change investments straight\n\nChannel 1: Got\n\nChannel 0: away because you are just\n\nChannel 1: it.\n\nChannel 0: invested\n\nChannel 1: I\n\nChannel 0: in a portfolio.\n\nChannel 1: yeah. Yeah. So if you can maybe schedule another time\n\nChannel 0: Yes.\n\nChannel 1: where we can\n\nChannel 0: We\n\nChannel 1: go\n\nChannel 0: can\n\nChannel 1: through in\n\nChannel 0: talk\n\nChannel 1: a\n\nChannel 0: a\n\nChannel 1: bit\n\nChannel 0: little\n\nChannel 1: more\n\nChannel 0: bit\n\nChannel 1: detail,\n\nChannel 0: more.\n\nChannel 1: that's\n\nChannel 0: Yes.\n\nChannel 1: fine. Just\n\nChannel 0: Yep.\n\nChannel 1: one question. What is the withdrawal amount of $12,000 on this portfolio?\n\nChannel 0: Often, it's insurances and other investment fees, admin fees, and stuff like that. My screen has just frozen at the\n\nChannel 1: Yeah.\n\nChannel 0: moment.\n\nChannel 1: But this seems to be too high in I understand investments sorry. Insurance and all is there, but it's probably plus\n\nChannel 0: I\n\nChannel 1: investment. Yeah.\n\nChannel 0: can what I can do is I can pull a withdrawal of report from Hub twenty four and email it to you as well. Just because\n\nChannel 1: Yeah.\n\nChannel 0: it's kind\n\nChannel 1: If you\n\nChannel 0: of\n\nChannel 1: can,\n\nChannel 0: froze\n\nChannel 1: please.\n\nChannel 0: frozen\n\nChannel 1: Yeah.\n\nChannel 0: at the moment. Now when is a good time for me to just kind of finish off this call with you? Should only maybe be another fifteen minutes to kind of\n\nChannel 1: Yeah.\n\nChannel 0: go through\n\nChannel 1: Maybe\n\nChannel 0: the rest\n\nChannel 1: next\n\nChannel 0: of there.\n\nChannel 1: week, if we\n\nChannel 0: Yep.\n\nChannel 1: can schedule half an hour, I think, like, we can get on to call next week and, yeah, do\n\nChannel 0: Perfect.\n\nChannel 1: that. Yep.\n\nChannel 0: Now now when next week? Sorry. Do you prefer same time as now?\n\nChannel 1: Okay. Monday sorry. Tuesday. Yeah.\n\nChannel 0: So Tuesday afternoon, I am fully booked, but I can do Monday afternoon or Wednesday afternoon, same time as we did today.\n\nChannel 1: Can we do half an hour later on a Monday next week?\n\nChannel 0: Let me see. Three. Yeah. I I can I can shuffle a few things around, and we can I can\n\nChannel 1: Yep.\n\nChannel 0: make that work? Yep. That\n\nChannel 1: Yeah.\n\nChannel 0: is\n\nChannel 1: Yeah.\n\nChannel 0: no problem. So that\n\nChannel 1: Yeah.\n\nChannel 0: is Monday the thirtieth, and that is 04:30 your time.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Well, thank you so much for your time today, Jayesh, and I look forward\n\nChannel 1: Yeah.\n\nChannel 0: to speaking with you. Finish this off on Monday.\n\nChannel 1: Sure. If you can just send me some details on the withdrawals as well, please.\n\nChannel 0: Yes.\n\nChannel 1: Would\n\nChannel 0: Yeah.\n\nChannel 1: like to understand. And then, yeah, obviously, this could be yeah. Really\n\nChannel 0: Yes.\n\nChannel 1: the managed one is is yeah. It's very poorly performed. So\n\nChannel 0: Exactly. So we do wanna\n\nChannel 1: yeah.\n\nChannel 0: look at swapping that out as soon as we can.\n\nChannel 1: Yeah. Yeah. Absolutely.\n\nChannel 0: Sorry.\n\nChannel 1: So why was it left for so long in the portfolio if\n\nChannel 0: So\n\nChannel 1: it was underperforming and you guys\n\nChannel 0: it\n\nChannel 1: had some signals\n\nChannel 0: yeah.\n\nChannel 1: on it going down?\n\nChannel 0: So it's more of we've always it takes some time because you don't wanna make changes quickly because you don't wanna sell out while it's a loss because that mean you are crystallizing the losses. So there is a lot of obviously extensive research for the investment committee to obviously decide that it might not be the best thing moving forward. And because they historically have done so well, you also don't wanna pull the trigger too quickly because you also wanna make sure that if you're gonna come back around, then you wanna sell when it comes up a little bit. You don't wanna sell at the bottom unless you see it not going up. So it's only been more recently where the investment committee made the decision that we wanna look at swapping that out.\n\nBefore then. You wanna give it some time as well to make sure if it's gonna come back around and if it's a bit more of of a good investment because you don't wanna sell at the bottom unless you have to.\n\nChannel 1: Yeah. Yeah. I would want some details on the on the overall portfolio as well.\n\nChannel 0: Mhmm.\n\nChannel 1: If I look at the start of the period, $1.85 k, and if I look just look at the bottom line. Right? Bottom second page.\n\nChannel 0: Mhmm.\n\nChannel 1: $185 at the start investments of 31,000, which is basically a super contribution, I believe. $31,004.81 binds. That, I believe, is the super from super contribution.\n\nChannel 0: Yes. Yep. Exactly. Yeah.\n\nChannel 1: That would put me at $2,215,000, and\n\nChannel 0: Mhmm.\n\nChannel 1: I would then expect certain growth, which would then pay off the fees and the insurances.\n\nChannel 0: Like insurances? Yep.\n\nChannel 1: So, ideally so the market value is actually less than the starting position plus the deposits made in that, just 110,000. Right? Just\n\nChannel 0: It's\n\nChannel 1: just\n\nChannel 0: still\n\nChannel 1: on that basis, it is less. So I'm just yeah. A little\n\nChannel 0: yeah.\n\nChannel 1: I'm\n\nChannel 0: So\n\nChannel 1: not able\n\nChannel 0: it's\n\nChannel 1: to understand\n\nChannel 0: no.\n\nChannel 1: why is\n\nChannel 0: That's\n\nChannel 1: there so much of downtrend in the portfolio and what is the withdrawal amount of 12,200?\n\nChannel 0: yeah. So what I'll do, because I know you might full time, I will get the withdrawal amount emailed through so you have it before call on Monday. I'll also send you some more information on the estimate so that you can again read up on it to see if it's something that you are interested in. And in this report, it shows you that even though you've had fees come out, it's still gone up only by about 3.6, but it's still up. So it hasn't grown as much, but it's still not down even after fees.\n\nSo even in the the period, it's still gone up a little bit. So what I'll do is, like I said, I can send you this oh, you have it already, but I can send the portfolio withdrawals so that you have that in detail,\n\nChannel 1: Yep.\n\nChannel 0: a bit more information in regards to the SMA. If you have any other questions and stuff that you can think of, though, just please write them down, and we can go through it next Monday when\n\nChannel 1: Yeah.\n\nChannel 0: we kind of finish off the under review. And then following the under review, I will go and do the research to then see which investments we wanna change for you potentially to make sure we have you in a better position.\n\nChannel 1: Yeah. I would, yeah, I would want to go through, the details\n\nChannel 0: Yes.\n\nChannel 1: on Monday. Yeah. So I'll probably\n\nChannel 0: Yes.\n\nChannel 1: have few questions\n\nChannel 0: No.\n\nChannel 1: for you\n\nChannel 0: And\n\nChannel 1: on Monday.\n\nChannel 0: by all means, write it down so we can go through everything together.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: But it it's not looking a little rosy to me on the first instance.\n\nChannel 0: Yeah. And\n\nChannel 1: So\n\nChannel 0: it it's\n\nChannel 1: yeah.\n\nChannel 0: good to\n\nChannel 1: Alright.\n\nChannel 0: to go through it. But, yes, like I said, I will send this through to you, and we'll go through everything together on Monday.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Sure.\n\nChannel 0: Perfect.\n\nChannel 1: Thanks.\n\nChannel 0: Well, thank you so much for your\n\nChannel 1: Bye.\n\nChannel 0: time, and I look forward\n\nChannel 1: Yeah.\n\nChannel 0: to speaking with you Monday.\n\nChannel 1: Cheers. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi, Jascha.","start":2.72,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.21726232767105103}],"sentiment":"neutral","sentiment_score":0.21726232767105103,"channel":1,"num_words":2,"start":2.72,"end":3.3799999},{"sentences":[{"text":"Good afternoon.","start":4.08,"end":4.8199997,"sentiment":"positive","sentiment_score":0.4987809509038925},{"text":"This is Veronica from Oakview Financial.","start":4.88,"end":6.98,"sentiment":"positive","sentiment_score":0.37143189708391827},{"text":"How are you this afternoon?","start":7.2,"end":8.34,"sentiment":"neutral","sentiment_score":0.32122473120689393}],"sentiment":"positive","sentiment_score":0.371713610795828,"channel":0,"num_words":13,"start":4.08,"end":8.34},{"sentences":[{"text":"I'm good.","start":8.48,"end":8.88,"sentiment":"positive","sentiment_score":0.5620219707489014},{"text":"How are you?","start":8.88,"end":9.62,"sentiment":"positive","sentiment_score":0.3861484428246816}],"sentiment":"positive","sentiment_score":0.4564978539943695,"channel":1,"num_words":5,"start":8.48,"end":9.62},{"sentences":[{"text":"I'm good.","start":9.92,"end":10.8,"sentiment":"positive","sentiment_score":0.5622481107711792},{"text":"Thanks.","start":10.8,"end":11.3,"sentiment":"positive","sentiment_score":0.6479810476303101},{"text":"I had you booked in for a little bit of a catch up.","start":12.08,"end":14.4,"sentiment":"neutral","sentiment_score":0.32386154853380644},{"text":"Is now still a good time for you?","start":14.4,"end":15.975,"sentiment":"positive","sentiment_score":0.3451458662748337}],"sentiment":"positive","sentiment_score":0.3643268470962842,"channel":0,"num_words":24,"start":9.92,"end":15.975},{"sentences":[{"text":"Yep.","start":16.095001,"end":16.575,"sentiment":"neutral","sentiment_score":0.09335961937904358},{"text":"Yeah.","start":16.575,"end":16.815,"sentiment":"neutral","sentiment_score":0.10580845922231674}],"sentiment":"neutral","sentiment_score":0.09958403930068016,"channel":1,"num_words":2,"start":16.095001,"end":16.815},{"sentences":[{"text":"Yep.","start":16.775,"end":17.275,"sentiment":"neutral","sentiment_score":0.12481465190649033}],"sentiment":"neutral","sentiment_score":0.12481465190649033,"channel":0,"num_words":1,"start":16.775,"end":17.275},{"sentences":[{"text":"It's all that.","start":16.815,"end":17.455,"sentiment":"neutral","sentiment_score":0.1930603434642156},{"text":"Yep.","start":17.455,"end":17.955,"sentiment":"neutral","sentiment_score":0.23504316806793213}],"sentiment":"neutral","sentiment_score":0.20355604961514473,"channel":1,"num_words":4,"start":16.815,"end":17.955},{"sentences":[{"text":"Perfect.","start":17.815,"end":18.315,"sentiment":"positive","sentiment_score":0.5366238951683044},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":18.935001,"end":26.315,"sentiment":"neutral","sentiment_score":0.062013226978737734}],"sentiment":"neutral","sentiment_score":0.07783358258505663,"channel":0,"num_words":30,"start":17.815,"end":26.315},{"sentences":[{"text":"Yeah.","start":26.609999,"end":26.849998,"sentiment":"neutral","sentiment_score":0.14789864420890808},{"text":"That's fine.","start":26.849998,"end":27.589998,"sentiment":"neutral","sentiment_score":0.2474118322134018}],"sentiment":"neutral","sentiment_score":0.21424076954523721,"channel":1,"num_words":3,"start":26.609999,"end":27.589998},{"sentences":[{"text":"Perfect.","start":27.815,"end":28.315,"sentiment":"positive","sentiment_score":0.3882688879966736},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":28.375,"end":35.97,"sentiment":"neutral","sentiment_score":0.07393078964490157}],"sentiment":"neutral","sentiment_score":0.08557294143570794,"channel":0,"num_words":27,"start":27.815,"end":35.97},{"sentences":[{"text":"Date of birth twenty first September nineteen eighty.","start":37.805,"end":39.805,"sentiment":"neutral","sentiment_score":0.015893942094407976},{"text":"And address is 20 Elkhorn Way, Point Cook, Victoria 3030.","start":39.805,"end":44.225002,"sentiment":"neutral","sentiment_score":0.042647664435207844}],"sentiment":"neutral","sentiment_score":0.030757121172630124,"channel":1,"num_words":18,"start":37.805,"end":44.225002},{"sentences":[{"text":"Perfect.","start":44.685,"end":45.085,"sentiment":"positive","sentiment_score":0.5204812288284302},{"text":"That's exactly what I have here.","start":45.085,"end":46.705,"sentiment":"positive","sentiment_score":0.5309033542871475},{"text":"How's your day been so far?","start":46.845,"end":48.125,"sentiment":"neutral","sentiment_score":0.12265346571803093},{"text":"Been busy?","start":48.125,"end":48.865,"sentiment":"neutral","sentiment_score":-0.018573263660073277}],"sentiment":"neutral","sentiment_score":0.29364504143595693,"channel":0,"num_words":15,"start":44.685,"end":48.865},{"sentences":[{"text":"Yeah.","start":48.525,"end":49.005,"sentiment":"neutral","sentiment_score":0.01776851713657379},{"text":"What's going on?","start":49.005,"end":49.645,"sentiment":"neutral","sentiment_score":0.016440717309402924},{"text":"Busy.","start":49.645,"end":50.145,"sentiment":"neutral","sentiment_score":0.03434998542070389},{"text":"Work.","start":50.205,"end":50.49,"sentiment":"neutral","sentiment_score":0.04815632477402687}],"sentiment":"neutral","sentiment_score":0.024932829876585554,"channel":1,"num_words":6,"start":48.525,"end":50.49},{"sentences":[{"text":"Well, I'll try not to keep you for too long.","start":51.325,"end":53.425003,"sentiment":"neutral","sentiment_score":-0.02610199935734272},{"text":"Essentially, I do have you booked in because I believe you had a couple of questions in regards to the child bond with Gen Life.","start":54.125,"end":61.55,"sentiment":"neutral","sentiment_score":0.08406014651060105}],"sentiment":"neutral","sentiment_score":0.05258524769118854,"channel":0,"num_words":35,"start":51.325,"end":61.55},{"sentences":[{"text":"Yes.","start":62.010002,"end":62.505,"sentiment":"neutral","sentiment_score":0.0634990781545639}],"sentiment":"neutral","sentiment_score":0.0634990781545639,"channel":1,"num_words":1,"start":62.010002,"end":62.505},{"sentences":[{"text":"Yeah.","start":63.13,"end":63.63,"sentiment":"neutral","sentiment_score":0.04951373487710953},{"text":"And I can see here that you your main kind of question was in regards to making additional kind of lump sum contributions for your children?","start":64.49,"end":72.665,"sentiment":"neutral","sentiment_score":0.05275689624249935}],"sentiment":"neutral","sentiment_score":0.05263677915489232,"channel":0,"num_words":27,"start":63.13,"end":72.665},{"sentences":[{"text":"Yeah.","start":73.385,"end":73.705,"sentiment":"neutral","sentiment_score":0.02609235607087612},{"text":"Because what I understand is in the first year, there is no limit","start":73.705,"end":77.43,"sentiment":"neutral","sentiment_score":0.018872054723592904}],"sentiment":"neutral","sentiment_score":0.019387790534113134,"channel":1,"num_words":14,"start":73.385,"end":77.43},{"sentences":[{"text":"Correct.","start":78.085,"end":78.585,"sentiment":"neutral","sentiment_score":0.05657915771007538}],"sentiment":"neutral","sentiment_score":0.05657915771007538,"channel":0,"num_words":1,"start":78.085,"end":78.585},{"sentences":[{"text":"to how much contribution I can make without impacting so it has no impact on the taxation side as well,","start":78.87,"end":85.85,"sentiment":"neutral","sentiment_score":0.06282436624169349}],"sentiment":"neutral","sentiment_score":0.06282436624169349,"channel":1,"num_words":20,"start":78.87,"end":85.85},{"sentences":[{"text":"Correct.","start":85.619995,"end":86.1,"sentiment":"neutral","sentiment_score":0.06219986081123352}],"sentiment":"neutral","sentiment_score":0.06219986081123352,"channel":0,"num_words":1,"start":85.619995,"end":86.1},{"sentences":[{"text":"and","start":85.99,"end":86.15,"sentiment":"neutral","sentiment_score":0.03423207625746727}],"sentiment":"neutral","sentiment_score":0.03423207625746727,"channel":1,"num_words":1,"start":85.99,"end":86.15},{"sentences":[{"text":"Yes.","start":86.1,"end":86.42,"sentiment":"neutral","sentiment_score":0.06011978164315224}],"sentiment":"neutral","sentiment_score":0.06011978164315224,"channel":0,"num_words":1,"start":86.1,"end":86.42},{"sentences":[{"text":"it doesn't","start":86.15,"end":86.63,"sentiment":"neutral","sentiment_score":0.03467392735183239}],"sentiment":"neutral","sentiment_score":0.03467392735183239,"channel":1,"num_words":2,"start":86.15,"end":86.63},{"sentences":[{"text":"That's","start":86.42,"end":86.659996,"sentiment":"neutral","sentiment_score":0.022571174427866936}],"sentiment":"neutral","sentiment_score":0.022571174427866936,"channel":0,"num_words":1,"start":86.42,"end":86.659996},{"sentences":[{"text":"impact","start":86.63,"end":86.95,"sentiment":"neutral","sentiment_score":0.0016926154494285583}],"sentiment":"neutral","sentiment_score":0.0016926154494285583,"channel":1,"num_words":1,"start":86.63,"end":86.95},{"sentences":[{"text":"correct.","start":86.659996,"end":87.159996,"sentiment":"neutral","sentiment_score":0.03469106927514076}],"sentiment":"neutral","sentiment_score":0.03469106927514076,"channel":0,"num_words":1,"start":86.659996,"end":87.159996},{"sentences":[{"text":"the next the ongoing 125% contribution as well that I need to make.","start":86.95,"end":91.85,"sentiment":"neutral","sentiment_score":0.049624417120447524}],"sentiment":"neutral","sentiment_score":0.049624417120447524,"channel":1,"num_words":13,"start":86.95,"end":91.85},{"sentences":[{"text":"Correct.","start":92.1,"end":92.6,"sentiment":"neutral","sentiment_score":0.10135403275489809},{"text":"That's correct.","start":92.659996,"end":93.479996,"sentiment":"neutral","sentiment_score":0.13335314020514488}],"sentiment":"neutral","sentiment_score":0.12268677105506261,"channel":0,"num_words":3,"start":92.1,"end":93.479996},{"sentences":[{"text":"So, yes, I wanted to confirm these two and then obviously understand what is your advice.","start":93.095,"end":98.395,"sentiment":"neutral","sentiment_score":0.11333794333040714}],"sentiment":"neutral","sentiment_score":0.11333794333040714,"channel":1,"num_words":16,"start":93.095,"end":98.395},{"sentences":[{"text":"Yeah.","start":98.755,"end":98.91499,"sentiment":"neutral","sentiment_score":0.07835070788860321},{"text":"Yes.","start":98.91499,"end":99.41499,"sentiment":"neutral","sentiment_score":0.07329043000936508},{"text":"Sorry.","start":99.795,"end":100.295,"sentiment":"neutral","sentiment_score":0.06572365015745163},{"text":"Definitely, the first twelve months is great because it does give you that flexibility.","start":100.354996,"end":105.494995,"sentiment":"neutral","sentiment_score":0.31623205649001257},{"text":"So if it is that you do have a bit of a lump sum that you do wanna put in, most definitely, Drew, sorry, within the first twelve months.","start":106.59499,"end":116.19,"sentiment":"neutral","sentiment_score":0.11962118706312673}],"sentiment":"neutral","sentiment_score":0.17638321747274502,"channel":0,"num_words":46,"start":98.755,"end":116.19},{"sentences":[{"text":"I did have a look as well just to confirm, and you are correct, that the anniversary date is the April 22.","start":116.729996,"end":122.59,"sentiment":"neutral","sentiment_score":0.08736256939697672},{"text":"So if it is that you do have a little bit that you wanna put in, I suggest doing that before the April 22 just to give you that flexibility for the next couple of years.","start":123.05,"end":132.735,"sentiment":"neutral","sentiment_score":0.2968481828769048},{"text":"Because after the first twelve months, it is that 125 rule.","start":133.835,"end":138.895,"sentiment":"neutral","sentiment_score":0.1358690024776892},{"text":"So, basically, if you because I think you're doing the $250 per month contributions.","start":139.49,"end":144.15,"sentiment":"neutral","sentiment_score":0.08284425788692065},{"text":"Is that correct?","start":144.37,"end":145.19,"sentiment":"neutral","sentiment_score":0.07948519537846248}],"sentiment":"neutral","sentiment_score":0.18024820155940605,"channel":0,"num_words":86,"start":116.729996,"end":145.19},{"sentences":[{"text":"Correct.","start":144.85501,"end":145.175,"sentiment":"neutral","sentiment_score":0.1889852434396744},{"text":"Yeah.","start":145.175,"end":145.49501,"sentiment":"neutral","sentiment_score":0.22658148407936096},{"text":"That's correct.","start":145.49501,"end":146.24501,"sentiment":"positive","sentiment_score":0.33396512269973755}],"sentiment":"neutral","sentiment_score":0.2708742432296276,"channel":1,"num_words":4,"start":144.85501,"end":146.24501},{"sentences":[{"text":"Yep.","start":145.81,"end":146.31,"sentiment":"neutral","sentiment_score":0.33124715089797974},{"text":"So if, for example, you do $250 for twelve months and then you do, let's say, 10,000 as a lump sum, that means that in a twelve month period, you've done six sorry, $13,000.","start":146.61,"end":160.295,"sentiment":"neutral","sentiment_score":0.288791278267608},{"text":"Then","start":161.07501,"end":161.57501,"sentiment":"neutral","sentiment_score":0.28796762228012085}],"sentiment":"neutral","sentiment_score":0.2899477287299103,"channel":0,"num_words":36,"start":145.81,"end":161.57501},{"sentences":[{"text":"Mhmm.","start":161.43001,"end":161.93001,"sentiment":"positive","sentiment_score":0.409104436635971}],"sentiment":"positive","sentiment_score":0.409104436635971,"channel":1,"num_words":1,"start":161.43001,"end":161.93001},{"sentences":[{"text":"next year, that means that you can do a 125 percent of that.","start":161.875,"end":166.035,"sentiment":"positive","sentiment_score":0.4689887578670795},{"text":"You don't have to.","start":166.035,"end":166.835,"sentiment":"positive","sentiment_score":0.3848687782883644},{"text":"It just means that it allows you to.","start":166.835,"end":168.69,"sentiment":"positive","sentiment_score":0.4155656546354294},{"text":"So that would mean that you can do up to 16,250 without resetting any time frame.","start":168.93001,"end":176.55,"sentiment":"positive","sentiment_score":0.4221408497542143},{"text":"You don't have to.","start":177.33,"end":178.21,"sentiment":"positive","sentiment_score":0.35527658462524414}],"sentiment":"positive","sentiment_score":0.4252492030461629,"channel":0,"num_words":45,"start":161.875,"end":178.21},{"sentences":[{"text":"You can still then decide to just do the $250 for the whole duration if you want to for the next next year.","start":178.21,"end":186.535,"sentiment":"positive","sentiment_score":0.36747250867926556},{"text":"But it would mean that the following year, you can basically just do a 125% of the previous year.","start":186.755,"end":192.835,"sentiment":"neutral","sentiment_score":0.31189110247712387},{"text":"So whatever that might be, it changes.","start":192.835,"end":195.49501,"sentiment":"neutral","sentiment_score":0.23286217238221849}],"sentiment":"neutral","sentiment_score":0.3266904868033467,"channel":0,"num_words":49,"start":178.21,"end":195.49501},{"sentences":[{"text":"But it doesn't have to be under 25 or it doesn't even have to be","start":196.445,"end":200.145,"sentiment":"neutral","sentiment_score":0.08989842236042023}],"sentiment":"neutral","sentiment_score":0.08989842236042023,"channel":1,"num_words":15,"start":196.445,"end":200.145},{"sentences":[{"text":"No.","start":199.65001,"end":200.15001,"sentiment":"neutral","sentiment_score":-0.09331998229026794}],"sentiment":"neutral","sentiment_score":-0.09331998229026794,"channel":0,"num_words":1,"start":199.65001,"end":200.15001},{"sentences":[{"text":"so to","start":200.52501,"end":200.925,"sentiment":"neutral","sentiment_score":-0.047878166660666466}],"sentiment":"neutral","sentiment_score":-0.047878166660666466,"channel":1,"num_words":2,"start":200.52501,"end":200.925},{"sentences":[{"text":"No.","start":200.77,"end":201.27,"sentiment":"neutral","sentiment_score":-0.09495604783296584}],"sentiment":"neutral","sentiment_score":-0.09495604783296584,"channel":0,"num_words":1,"start":200.77,"end":201.27},{"sentences":[{"text":"tell me one thing.","start":200.925,"end":201.905,"sentiment":"neutral","sentiment_score":-0.02864656038582325},{"text":"When I set it up initially, I made a bulk contribution and then","start":202.125,"end":205.88501,"sentiment":"neutral","sentiment_score":0.034357478412298054}],"sentiment":"neutral","sentiment_score":0.01953299869509304,"channel":1,"num_words":17,"start":200.925,"end":205.88501},{"sentences":[{"text":"Mhmm.","start":205.73,"end":205.81,"sentiment":"neutral","sentiment_score":0.03430992737412453},{"text":"Yep.","start":205.81,"end":206.31,"sentiment":"neutral","sentiment_score":0.07385151088237762}],"sentiment":"neutral","sentiment_score":0.054080719128251076,"channel":0,"num_words":2,"start":205.73,"end":206.31},{"sentences":[{"text":"$250 per month.","start":205.88501,"end":207.24501,"sentiment":"neutral","sentiment_score":0.06554667900005977},{"text":"Right?","start":207.24501,"end":207.405,"sentiment":"neutral","sentiment_score":0.06680585443973541},{"text":"So that is how","start":207.405,"end":208.045,"sentiment":"neutral","sentiment_score":0.09350921027362347}],"sentiment":"neutral","sentiment_score":0.07968534156680107,"channel":1,"num_words":8,"start":205.88501,"end":208.045},{"sentences":[{"text":"Yes.","start":207.97,"end":208.395,"sentiment":"neutral","sentiment_score":0.13167604804039}],"sentiment":"neutral","sentiment_score":0.13167604804039,"channel":0,"num_words":1,"start":207.97,"end":208.395},{"sentences":[{"text":"I set it up.","start":208.045,"end":208.925,"sentiment":"neutral","sentiment_score":0.12185549177229404},{"text":"So","start":208.925,"end":209.16501,"sentiment":"neutral","sentiment_score":0.10763458907604218}],"sentiment":"neutral","sentiment_score":0.11901131123304368,"channel":1,"num_words":5,"start":208.045,"end":209.16501},{"sentences":[{"text":"Yes.","start":208.955,"end":209.455,"sentiment":"neutral","sentiment_score":0.08730389177799225}],"sentiment":"neutral","sentiment_score":0.08730389177799225,"channel":0,"num_words":1,"start":208.955,"end":209.455},{"sentences":[{"text":"assuming assuming I made $10,000 initially and then $250 after that.","start":209.16501,"end":214.36,"sentiment":"neutral","sentiment_score":0.07394056631760164}],"sentiment":"neutral","sentiment_score":0.07394056631760164,"channel":1,"num_words":11,"start":209.16501,"end":214.36},{"sentences":[{"text":"So","start":215.27501,"end":215.77501,"sentiment":"neutral","sentiment_score":0.100052610039711}],"sentiment":"neutral","sentiment_score":0.100052610039711,"channel":0,"num_words":1,"start":215.27501,"end":215.77501},{"sentences":[{"text":"Yeah.","start":216.18,"end":216.68,"sentiment":"neutral","sentiment_score":0.11740147322416306},{"text":"I can, in fact, check what it what it was really.","start":216.98,"end":219.87999,"sentiment":"neutral","sentiment_score":0.09718368676575748}],"sentiment":"neutral","sentiment_score":0.09886850230395794,"channel":1,"num_words":12,"start":216.18,"end":219.87999},{"sentences":[{"text":"yeah.","start":219.99501,"end":220.475,"sentiment":"neutral","sentiment_score":0.09475533664226532},{"text":"So what I'll actually do","start":220.475,"end":221.935,"sentiment":"neutral","sentiment_score":0.10641112476587296}],"sentiment":"neutral","sentiment_score":0.10446849341193835,"channel":0,"num_words":6,"start":219.99501,"end":221.935},{"sentences":[{"text":"Yeah.","start":223.22,"end":223.72,"sentiment":"neutral","sentiment_score":0.12302548438310625}],"sentiment":"neutral","sentiment_score":0.12302548438310625,"channel":1,"num_words":1,"start":223.22,"end":223.72},{"sentences":[{"text":"is because your annual review is also due, I have actually prepped the documents for you for your annual review, and part of that is actually a summary of the Gen Life form.","start":223.7,"end":234.76,"sentiment":"neutral","sentiment_score":0.174009692939845},{"text":"So","start":235.32501,"end":235.725,"sentiment":"neutral","sentiment_score":0.09579283744096756}],"sentiment":"neutral","sentiment_score":0.171709197189878,"channel":0,"num_words":34,"start":223.7,"end":235.725},{"sentences":[{"text":"Yeah.","start":235.635,"end":236.135,"sentiment":"neutral","sentiment_score":0.07725311070680618}],"sentiment":"neutral","sentiment_score":0.07725311070680618,"channel":1,"num_words":1,"start":235.635,"end":236.135},{"sentences":[{"text":"what I will do do you have access to your emails at the moment, Jayesh?","start":235.725,"end":239.565,"sentiment":"neutral","sentiment_score":0.055922762304544446},{"text":"Or","start":239.565,"end":239.80501,"sentiment":"neutral","sentiment_score":0.013187317177653313}],"sentiment":"neutral","sentiment_score":0.05325179698411375,"channel":0,"num_words":16,"start":235.725,"end":239.80501},{"sentences":[{"text":"Yeah.","start":239.795,"end":240.03499,"sentiment":"neutral","sentiment_score":-0.004521947354078293}],"sentiment":"neutral","sentiment_score":-0.004521947354078293,"channel":1,"num_words":1,"start":239.795,"end":240.03499},{"sentences":[{"text":"not really?","start":239.80501,"end":240.46501,"sentiment":"neutral","sentiment_score":-0.0029279571026563636}],"sentiment":"neutral","sentiment_score":-0.0029279571026563636,"channel":0,"num_words":2,"start":239.80501,"end":240.46501},{"sentences":[{"text":"I do.","start":240.03499,"end":240.57,"sentiment":"neutral","sentiment_score":0.08702659606933594},{"text":"I do.","start":240.57,"end":241.23,"sentiment":"neutral","sentiment_score":0.1164877749979496}],"sentiment":"neutral","sentiment_score":0.10175718553364277,"channel":1,"num_words":4,"start":240.03499,"end":241.23},{"sentences":[{"text":"Yep.","start":240.845,"end":241.345,"sentiment":"neutral","sentiment_score":0.1748153418302536},{"text":"Okay.","start":241.405,"end":241.80501,"sentiment":"neutral","sentiment_score":0.32844188809394836},{"text":"Perfect.","start":241.80501,"end":242.205,"sentiment":"positive","sentiment_score":0.4586444199085235},{"text":"So I'm just gonna send this to you so we can kind of start there.","start":242.205,"end":244.945,"sentiment":"neutral","sentiment_score":0.26161791384220123}],"sentiment":"neutral","sentiment_score":0.2714539087480969,"channel":0,"num_words":18,"start":240.845,"end":244.945},{"sentences":[{"text":"Yeah.","start":244.89,"end":245.21,"sentiment":"neutral","sentiment_score":0.119244784116745},{"text":"Yeah.","start":245.21,"end":245.71,"sentiment":"neutral","sentiment_score":0.08469081670045853},{"text":"So","start":246.17,"end":246.41,"sentiment":"neutral","sentiment_score":0.07609447836875916}],"sentiment":"neutral","sentiment_score":0.09334335972865422,"channel":1,"num_words":3,"start":244.89,"end":246.41},{"sentences":[{"text":"And","start":246.365,"end":246.60501,"sentiment":"neutral","sentiment_score":0.0850013941526413}],"sentiment":"neutral","sentiment_score":0.0850013941526413,"channel":0,"num_words":1,"start":246.365,"end":246.60501},{"sentences":[{"text":"you can","start":246.41,"end":246.65,"sentiment":"neutral","sentiment_score":0.08187878876924515}],"sentiment":"neutral","sentiment_score":0.08187878876924515,"channel":1,"num_words":2,"start":246.41,"end":246.65},{"sentences":[{"text":"that","start":246.60501,"end":247.10501,"sentiment":"neutral","sentiment_score":0.06760743260383606}],"sentiment":"neutral","sentiment_score":0.06760743260383606,"channel":0,"num_words":1,"start":246.60501,"end":247.10501},{"sentences":[{"text":"send but but the question I had was sorry.","start":246.65,"end":248.67,"sentiment":"neutral","sentiment_score":-0.034950232754151024},{"text":"So if I look at one of my child, so I I made an initial contribution of $10,000","start":248.73,"end":253.215,"sentiment":"neutral","sentiment_score":0.055683078037367925}],"sentiment":"neutral","sentiment_score":0.02547197444019494,"channel":1,"num_words":27,"start":246.65,"end":253.215},{"sentences":[{"text":"yep.","start":253.70001,"end":254.20001,"sentiment":"neutral","sentiment_score":0.059694673866033554}],"sentiment":"neutral","sentiment_score":0.059694673866033554,"channel":0,"num_words":1,"start":253.70001,"end":254.20001},{"sentences":[{"text":"last April 20 twenty second April twenty twenty five.","start":254.655,"end":258.035,"sentiment":"neutral","sentiment_score":0.04383109137415886},{"text":"And","start":258.175,"end":258.415,"sentiment":"neutral","sentiment_score":0.07073601335287094}],"sentiment":"neutral","sentiment_score":0.04652158357203007,"channel":1,"num_words":10,"start":254.655,"end":258.415},{"sentences":[{"text":"Yep.","start":258.34,"end":258.84,"sentiment":"neutral","sentiment_score":0.10749947279691696}],"sentiment":"neutral","sentiment_score":0.10749947279691696,"channel":0,"num_words":1,"start":258.34,"end":258.84},{"sentences":[{"text":"then from there on, May onwards, I've been making $250 as a regular contribution.","start":258.415,"end":262.995,"sentiment":"neutral","sentiment_score":0.10159484829221453},{"text":"So","start":263.215,"end":263.715,"sentiment":"neutral","sentiment_score":0.11239177733659744}],"sentiment":"neutral","sentiment_score":0.10231464356184006,"channel":1,"num_words":15,"start":258.415,"end":263.715},{"sentences":[{"text":"Yep.","start":263.79498,"end":264.29498,"sentiment":"neutral","sentiment_score":0.15846383571624756}],"sentiment":"neutral","sentiment_score":0.15846383571624756,"channel":0,"num_words":1,"start":263.79498,"end":264.29498},{"sentences":[{"text":"I think the total contribution is whatever, 13,000, sorry, $12,007.50.","start":264.095,"end":269.5,"sentiment":"neutral","sentiment_score":0.11124694421887397}],"sentiment":"neutral","sentiment_score":0.11124694421887397,"channel":1,"num_words":10,"start":264.095,"end":269.5},{"sentences":[{"text":"Mhmm.","start":269.79498,"end":270.29498,"sentiment":"neutral","sentiment_score":0.04178467392921448}],"sentiment":"neutral","sentiment_score":0.04178467392921448,"channel":0,"num_words":1,"start":269.79498,"end":270.29498},{"sentences":[{"text":"Now tell me a couple a couple of scenarios.","start":271.40002,"end":275.0,"sentiment":"neutral","sentiment_score":0.02144938086469968},{"text":"Right?","start":275.0,"end":275.32,"sentiment":"neutral","sentiment_score":0.025530949234962463},{"text":"If I","start":275.32,"end":275.90002,"sentiment":"neutral","sentiment_score":0.012574978172779083}],"sentiment":"neutral","sentiment_score":0.02031044444690148,"channel":1,"num_words":12,"start":271.40002,"end":275.90002},{"sentences":[{"text":"Yeah.","start":275.89,"end":276.39,"sentiment":"neutral","sentiment_score":0.04085194319486618}],"sentiment":"neutral","sentiment_score":0.04085194319486618,"channel":0,"num_words":1,"start":275.89,"end":276.39},{"sentences":[{"text":"if I don't make the bulk contribution now and I continue with this plan, next","start":277.24002,"end":283.765,"sentiment":"neutral","sentiment_score":0.005664211139082909}],"sentiment":"neutral","sentiment_score":0.005664211139082909,"channel":1,"num_words":15,"start":277.24002,"end":283.765},{"sentences":[{"text":"Yep.","start":283.745,"end":284.245,"sentiment":"neutral","sentiment_score":0.04527001082897186}],"sentiment":"neutral","sentiment_score":0.04527001082897186,"channel":0,"num_words":1,"start":283.745,"end":284.245},{"sentences":[{"text":"year's max investment I can do is 125% of the $12,007.50.","start":283.765,"end":289.305,"sentiment":"neutral","sentiment_score":0.0758286223492839}],"sentiment":"neutral","sentiment_score":0.0758286223492839,"channel":1,"num_words":11,"start":283.765,"end":289.305},{"sentences":[{"text":"Correct.","start":289.50497,"end":290.00497,"sentiment":"neutral","sentiment_score":0.1098637357354164}],"sentiment":"neutral","sentiment_score":0.1098637357354164,"channel":0,"num_words":1,"start":289.50497,"end":290.00497},{"sentences":[{"text":"Is that correct?","start":289.685,"end":290.565,"sentiment":"neutral","sentiment_score":0.10957572360833485},{"text":"Okay.","start":290.565,"end":291.065,"sentiment":"neutral","sentiment_score":0.1159038245677948}],"sentiment":"neutral","sentiment_score":0.11115774884819984,"channel":1,"num_words":4,"start":289.685,"end":291.065},{"sentences":[{"text":"That is correct.","start":290.705,"end":291.685,"sentiment":"neutral","sentiment_score":0.21536455055077872}],"sentiment":"neutral","sentiment_score":0.21536455055077872,"channel":0,"num_words":3,"start":290.705,"end":291.685},{"sentences":[{"text":"Yep.","start":291.685,"end":292.02,"sentiment":"neutral","sentiment_score":0.2122882604598999}],"sentiment":"neutral","sentiment_score":0.2122882604598999,"channel":1,"num_words":1,"start":291.685,"end":292.02},{"sentences":[{"text":"Yep.","start":291.745,"end":292.245,"sentiment":"neutral","sentiment_score":0.20810344815254211}],"sentiment":"neutral","sentiment_score":0.20810344815254211,"channel":0,"num_words":1,"start":291.745,"end":292.245},{"sentences":[{"text":"If I do make a bulk contribution, let's say I make a bulk contribution of $10,000 now, which","start":292.5,"end":298.34,"sentiment":"neutral","sentiment_score":0.1788651483754317}],"sentiment":"neutral","sentiment_score":0.1788651483754317,"channel":1,"num_words":18,"start":292.5,"end":298.34},{"sentences":[{"text":"Mhmm.","start":298.13998,"end":298.63998,"sentiment":"neutral","sentiment_score":0.1835857331752777}],"sentiment":"neutral","sentiment_score":0.1835857331752777,"channel":0,"num_words":1,"start":298.13998,"end":298.63998},{"sentences":[{"text":"will take the inflow of the current year to $22,750,","start":298.34,"end":303.24,"sentiment":"neutral","sentiment_score":0.18059661984443665}],"sentiment":"neutral","sentiment_score":0.18059661984443665,"channel":1,"num_words":10,"start":298.34,"end":303.24},{"sentences":[{"text":"Yep.","start":303.66,"end":304.16,"sentiment":"neutral","sentiment_score":0.1287950575351715}],"sentiment":"neutral","sentiment_score":0.1287950575351715,"channel":0,"num_words":1,"start":303.66,"end":304.16},{"sentences":[{"text":"so the 125% will be of twenty two thousand seven fifty or $12,007.50?","start":304.09998,"end":309.735,"sentiment":"neutral","sentiment_score":0.1064443806043038}],"sentiment":"neutral","sentiment_score":0.1064443806043038,"channel":1,"num_words":13,"start":304.09998,"end":309.735},{"sentences":[{"text":"'22.","start":310.155,"end":311.055,"sentiment":"neutral","sentiment_score":0.021974798291921616}],"sentiment":"neutral","sentiment_score":0.021974798291921616,"channel":0,"num_words":1,"start":310.155,"end":311.055},{"sentences":[{"text":"'20","start":311.155,"end":311.555,"sentiment":"neutral","sentiment_score":0.02134329453110695}],"sentiment":"neutral","sentiment_score":0.02134329453110695,"channel":1,"num_words":1,"start":311.155,"end":311.555},{"sentences":[{"text":"So","start":311.435,"end":311.595,"sentiment":"neutral","sentiment_score":0.02425287291407585}],"sentiment":"neutral","sentiment_score":0.02425287291407585,"channel":0,"num_words":1,"start":311.435,"end":311.595},{"sentences":[{"text":"two.","start":311.555,"end":312.055,"sentiment":"neutral","sentiment_score":0.024711117148399353}],"sentiment":"neutral","sentiment_score":0.024711117148399353,"channel":1,"num_words":1,"start":311.555,"end":312.055},{"sentences":[{"text":"I'll just yes.","start":311.595,"end":312.73502,"sentiment":"neutral","sentiment_score":0.060104245940844216}],"sentiment":"neutral","sentiment_score":0.060104245940844216,"channel":0,"num_words":3,"start":311.595,"end":312.73502},{"sentences":[{"text":"Okay.","start":312.51498,"end":313.01498,"sentiment":"neutral","sentiment_score":0.0612378865480423},{"text":"But I don't have to necessarily make 125% contribution or even 100% contribution.","start":313.075,"end":319.475,"sentiment":"neutral","sentiment_score":-0.04085300461604045},{"text":"I can","start":319.475,"end":319.715,"sentiment":"neutral","sentiment_score":-0.07110501080751419}],"sentiment":"neutral","sentiment_score":-0.038253824692219496,"channel":1,"num_words":16,"start":312.51498,"end":319.715},{"sentences":[{"text":"No.","start":319.67502,"end":320.17502,"sentiment":"neutral","sentiment_score":-0.14201165735721588}],"sentiment":"neutral","sentiment_score":-0.14201165735721588,"channel":0,"num_words":1,"start":319.67502,"end":320.17502},{"sentences":[{"text":"continue doing $250 as a regular basis.","start":319.715,"end":321.90002,"sentiment":"neutral","sentiment_score":-0.018684462777205875},{"text":"Yeah?","start":321.90002,"end":322.40002,"sentiment":"neutral","sentiment_score":0.06490388512611389}],"sentiment":"neutral","sentiment_score":-0.008235919289290905,"channel":1,"num_words":8,"start":319.715,"end":322.40002},{"sentences":[{"text":"Correct.","start":322.19,"end":322.69,"sentiment":"neutral","sentiment_score":0.12356042861938477},{"text":"Correct.","start":323.22998,"end":323.71,"sentiment":"neutral","sentiment_score":0.15735259652137756}],"sentiment":"neutral","sentiment_score":0.14045651257038116,"channel":0,"num_words":2,"start":322.19,"end":323.71},{"sentences":[{"text":"Okay.","start":323.34003,"end":323.84003,"sentiment":"neutral","sentiment_score":0.17889630794525146}],"sentiment":"neutral","sentiment_score":0.17889630794525146,"channel":1,"num_words":1,"start":323.34003,"end":323.84003},{"sentences":[{"text":"You can.","start":323.71,"end":324.43,"sentiment":"neutral","sentiment_score":0.2123761922121048},{"text":"You even can.","start":324.43,"end":325.22998,"sentiment":"neutral","sentiment_score":0.2104626993338267},{"text":"So if there's ever a situation where your finances change and","start":325.22998,"end":329.07,"sentiment":"neutral","sentiment_score":-0.0033568778837269}],"sentiment":"neutral","sentiment_score":0.06370092660654336,"channel":0,"num_words":16,"start":323.71,"end":329.07},{"sentences":[{"text":"Yep.","start":329.02002,"end":329.52002,"sentiment":"neutral","sentiment_score":-0.025048812851309776}],"sentiment":"neutral","sentiment_score":-0.025048812851309776,"channel":1,"num_words":1,"start":329.02002,"end":329.52002},{"sentences":[{"text":"you decide that I cannot make any contributions whatsoever anymore, you can stop it.","start":329.07,"end":334.125,"sentiment":"neutral","sentiment_score":-0.13045036952410424},{"text":"There is nothing saying you have to.","start":334.205,"end":336.705,"sentiment":"neutral","sentiment_score":-0.09105981567076274},{"text":"The only kind of thing to be mindful of is that, let's say, for this one year that you make zero contributions because a 125% of zero is zero.","start":336.925,"end":348.625,"sentiment":"neutral","sentiment_score":-0.044911817230027296},{"text":"So that just means that if you completely stop, and then let's say in two years' time, you go, oh, no.","start":348.88998,"end":355.05,"sentiment":"neutral","sentiment_score":-0.02326929187845616},{"text":"I wanna start it.","start":355.05,"end":356.41,"sentiment":"neutral","sentiment_score":-0.043679799884557724}],"sentiment":"neutral","sentiment_score":-0.05906054548919201,"channel":0,"num_words":75,"start":329.07,"end":356.41},{"sentences":[{"text":"It would then reset the time frame.","start":356.41,"end":358.09,"sentiment":"neutral","sentiment_score":-0.008723190852573939},{"text":"But to get around that, you could open up, like, another one, for example.","start":358.09,"end":361.47,"sentiment":"neutral","sentiment_score":0.0311943595962865},{"text":"That is the only kind of downside by decreasing for the next couple of years if it is something that you want to do.","start":361.70502,"end":369.24503,"sentiment":"neutral","sentiment_score":0.02740299639602502},{"text":"But you don't have to do a 125 at all.","start":369.30502,"end":371.545,"sentiment":"neutral","sentiment_score":0.15896721184253693},{"text":"You can decide to do just keeping it exactly the same for the whole duration of the bond.","start":371.545,"end":376.99002,"sentiment":"neutral","sentiment_score":0.2468888842397266}],"sentiment":"neutral","sentiment_score":0.09680825543321975,"channel":0,"num_words":73,"start":356.41,"end":376.99002},{"sentences":[{"text":"You could just keep the $2.50 per month for for the rest of the duration.","start":376.99002,"end":380.67,"sentiment":"positive","sentiment_score":0.4692717750867208},{"text":"You don't have to change it.","start":380.67,"end":382.03,"sentiment":"positive","sentiment_score":0.38336560130119324},{"text":"It just allows you to do up to a max of that amount.","start":382.03,"end":385.17,"sentiment":"positive","sentiment_score":0.4629223117461571}],"sentiment":"positive","sentiment_score":0.4516841260825886,"channel":0,"num_words":34,"start":376.99002,"end":385.17},{"sentences":[{"text":"Okay.","start":385.89,"end":386.265,"sentiment":"neutral","sentiment_score":0.09558849036693572},{"text":"So sorry.","start":386.505,"end":386.90503,"sentiment":"neutral","sentiment_score":-0.07741157338023186}],"sentiment":"neutral","sentiment_score":-0.019744885464509327,"channel":1,"num_words":3,"start":385.89,"end":386.90503},{"sentences":[{"text":"Does","start":386.76498,"end":386.925,"sentiment":"neutral","sentiment_score":-0.189900666475296}],"sentiment":"neutral","sentiment_score":-0.189900666475296,"channel":0,"num_words":1,"start":386.76498,"end":386.925},{"sentences":[{"text":"I","start":386.90503,"end":386.98502,"sentiment":"neutral","sentiment_score":-0.2512180507183075}],"sentiment":"neutral","sentiment_score":-0.2512180507183075,"channel":1,"num_words":1,"start":386.90503,"end":386.98502},{"sentences":[{"text":"that","start":386.925,"end":387.085,"sentiment":"negative","sentiment_score":-0.35166338086128235}],"sentiment":"negative","sentiment_score":-0.35166338086128235,"channel":0,"num_words":1,"start":386.925,"end":387.085},{"sentences":[{"text":"didn't","start":386.98502,"end":387.30502,"sentiment":"negative","sentiment_score":-0.3923388421535492}],"sentiment":"negative","sentiment_score":-0.3923388421535492,"channel":1,"num_words":1,"start":386.98502,"end":387.30502},{"sentences":[{"text":"make","start":387.085,"end":387.32498,"sentiment":"neutral","sentiment_score":-0.320344477891922}],"sentiment":"neutral","sentiment_score":-0.320344477891922,"channel":0,"num_words":1,"start":387.085,"end":387.32498},{"sentences":[{"text":"understand","start":387.30502,"end":387.70502,"sentiment":"negative","sentiment_score":-0.3798196613788605}],"sentiment":"negative","sentiment_score":-0.3798196613788605,"channel":1,"num_words":1,"start":387.30502,"end":387.70502},{"sentences":[{"text":"sense?","start":387.32498,"end":387.82498,"sentiment":"neutral","sentiment_score":-0.2969039976596832}],"sentiment":"neutral","sentiment_score":-0.2969039976596832,"channel":0,"num_words":1,"start":387.32498,"end":387.82498},{"sentences":[{"text":"one point.","start":387.70502,"end":388.105,"sentiment":"neutral","sentiment_score":-0.10354563593864442},{"text":"You're saying if if in between I","start":388.105,"end":389.785,"sentiment":"neutral","sentiment_score":-0.09424547318901334}],"sentiment":"neutral","sentiment_score":-0.09631217602226469,"channel":1,"num_words":9,"start":387.70502,"end":389.785},{"sentences":[{"text":"Mhmm.","start":389.76498,"end":390.26498,"sentiment":"neutral","sentiment_score":-0.07976870238780975}],"sentiment":"neutral","sentiment_score":-0.07976870238780975,"channel":0,"num_words":1,"start":389.76498,"end":390.26498},{"sentences":[{"text":"don't contribute for a certain duration,","start":389.785,"end":391.64502,"sentiment":"neutral","sentiment_score":-0.14783509572347006}],"sentiment":"neutral","sentiment_score":-0.14783509572347006,"channel":1,"num_words":6,"start":389.785,"end":391.64502},{"sentences":[{"text":"Yep.","start":392.205,"end":392.705,"sentiment":"neutral","sentiment_score":-0.055819958448410034}],"sentiment":"neutral","sentiment_score":-0.055819958448410034,"channel":0,"num_words":1,"start":392.205,"end":392.705},{"sentences":[{"text":"it resets.","start":392.42502,"end":393.325,"sentiment":"neutral","sentiment_score":-0.13556266576051712},{"text":"What does that mean?","start":393.86502,"end":394.92502,"sentiment":"neutral","sentiment_score":-0.14017377980053425}],"sentiment":"neutral","sentiment_score":-0.1386367417871952,"channel":1,"num_words":6,"start":392.42502,"end":394.92502},{"sentences":[{"text":"So let's say the April 22 until 04/22/2027.","start":395.485,"end":404.16998,"sentiment":"neutral","sentiment_score":-0.037981592351570725},{"text":"So between the April 2026 and 04/22/2027, you stop contributions altogether.","start":404.47,"end":412.88998,"sentiment":"neutral","sentiment_score":-0.12012040344151584},{"text":"So you don't do anything.","start":413.03,"end":414.41,"sentiment":"neutral","sentiment_score":-0.19904155731201173},{"text":"That means that the year 2027 to 2028, you can't make contributions because you've stopped it.","start":415.245,"end":424.14502,"sentiment":"neutral","sentiment_score":-0.18154579680413008}],"sentiment":"neutral","sentiment_score":-0.1381279428023845,"channel":0,"num_words":40,"start":395.485,"end":424.14502},{"sentences":[{"text":"So","start":424.205,"end":424.445,"sentiment":"neutral","sentiment_score":-0.039680324494838715}],"sentiment":"neutral","sentiment_score":-0.039680324494838715,"channel":1,"num_words":1,"start":424.205,"end":424.445},{"sentences":[{"text":"So","start":424.285,"end":424.445,"sentiment":"neutral","sentiment_score":-0.02496914565563202}],"sentiment":"neutral","sentiment_score":-0.02496914565563202,"channel":0,"num_words":1,"start":424.285,"end":424.445},{"sentences":[{"text":"you","start":424.445,"end":424.605,"sentiment":"neutral","sentiment_score":-0.008825518190860748}],"sentiment":"neutral","sentiment_score":-0.008825518190860748,"channel":1,"num_words":1,"start":424.445,"end":424.605},{"sentences":[{"text":"that","start":424.445,"end":424.605,"sentiment":"neutral","sentiment_score":-0.0044160932302474976}],"sentiment":"neutral","sentiment_score":-0.0044160932302474976,"channel":0,"num_words":1,"start":424.445,"end":424.605},{"sentences":[{"text":"made","start":424.605,"end":424.845,"sentiment":"neutral","sentiment_score":-0.006961800158023834}],"sentiment":"neutral","sentiment_score":-0.006961800158023834,"channel":1,"num_words":1,"start":424.605,"end":424.845},{"sentences":[{"text":"would","start":424.605,"end":424.92502,"sentiment":"neutral","sentiment_score":0.002361111342906952}],"sentiment":"neutral","sentiment_score":0.002361111342906952,"channel":0,"num_words":1,"start":424.605,"end":424.92502},{"sentences":[{"text":"zero","start":424.845,"end":425.165,"sentiment":"neutral","sentiment_score":-0.0093558207154274}],"sentiment":"neutral","sentiment_score":-0.0093558207154274,"channel":1,"num_words":1,"start":424.845,"end":425.165},{"sentences":[{"text":"reset.","start":424.92502,"end":425.42502,"sentiment":"neutral","sentiment_score":-0.0815669447183609}],"sentiment":"neutral","sentiment_score":-0.0815669447183609,"channel":0,"num_words":1,"start":424.92502,"end":425.42502},{"sentences":[{"text":"peak this year, so the next year is","start":425.165,"end":426.685,"sentiment":"neutral","sentiment_score":0.015691097360104322}],"sentiment":"neutral","sentiment_score":0.015691097360104322,"channel":1,"num_words":8,"start":425.165,"end":426.685},{"sentences":[{"text":"Correct.","start":426.445,"end":426.945,"sentiment":"neutral","sentiment_score":0.025533627718687057}],"sentiment":"neutral","sentiment_score":0.025533627718687057,"channel":0,"num_words":1,"start":426.445,"end":426.945},{"sentences":[{"text":"zero of 01/25.","start":426.685,"end":427.89,"sentiment":"neutral","sentiment_score":0.020846034089724224}],"sentiment":"neutral","sentiment_score":0.020846034089724224,"channel":1,"num_words":3,"start":426.685,"end":427.89},{"sentences":[{"text":"Correct.","start":428.79,"end":429.29,"sentiment":"neutral","sentiment_score":0.07601547986268997},{"text":"Exactly.","start":429.43,"end":429.93,"sentiment":"neutral","sentiment_score":0.09571944177150726},{"text":"So","start":430.31,"end":430.55,"sentiment":"neutral","sentiment_score":0.06591470539569855}],"sentiment":"neutral","sentiment_score":0.0792165423432986,"channel":0,"num_words":3,"start":428.79,"end":430.55},{"sentences":[{"text":"Okay.","start":430.53003,"end":431.03003,"sentiment":"neutral","sentiment_score":0.07830826938152313}],"sentiment":"neutral","sentiment_score":0.07830826938152313,"channel":1,"num_words":1,"start":430.53003,"end":431.03003},{"sentences":[{"text":"that is the only the only kind of thing to be mindful of if you decrease it.","start":430.55,"end":435.13,"sentiment":"neutral","sentiment_score":-0.06774016995640363}],"sentiment":"neutral","sentiment_score":-0.06774016995640363,"channel":0,"num_words":17,"start":430.55,"end":435.13},{"sentences":[{"text":"But then","start":435.33002,"end":435.89,"sentiment":"neutral","sentiment_score":-0.04547903686761856}],"sentiment":"neutral","sentiment_score":-0.04547903686761856,"channel":1,"num_words":2,"start":435.33002,"end":435.89},{"sentences":[{"text":"But","start":435.75,"end":436.25,"sentiment":"neutral","sentiment_score":-0.06110033392906189}],"sentiment":"neutral","sentiment_score":-0.06110033392906189,"channel":0,"num_words":1,"start":435.75,"end":436.25},{"sentences":[{"text":"then what happens the year after?","start":435.89,"end":437.59003,"sentiment":"neutral","sentiment_score":-0.0680060585339864},{"text":"Or or what's","start":437.65002,"end":438.77002,"sentiment":"neutral","sentiment_score":-0.05283307904998461}],"sentiment":"neutral","sentiment_score":-0.06294839870598581,"channel":1,"num_words":9,"start":435.89,"end":438.77002},{"sentences":[{"text":"it","start":438.71,"end":438.87,"sentiment":"neutral","sentiment_score":-0.04732686281204224}],"sentiment":"neutral","sentiment_score":-0.04732686281204224,"channel":0,"num_words":1,"start":438.71,"end":438.87},{"sentences":[{"text":"the","start":438.77002,"end":438.93002,"sentiment":"neutral","sentiment_score":-0.05226636305451393}],"sentiment":"neutral","sentiment_score":-0.05226636305451393,"channel":1,"num_words":1,"start":438.77002,"end":438.93002},{"sentences":[{"text":"would","start":438.87,"end":439.37,"sentiment":"neutral","sentiment_score":-0.02561170980334282}],"sentiment":"neutral","sentiment_score":-0.02561170980334282,"channel":0,"num_words":1,"start":438.87,"end":439.37},{"sentences":[{"text":"how do how","start":439.17,"end":439.73,"sentiment":"neutral","sentiment_score":-0.015466841558615366}],"sentiment":"neutral","sentiment_score":-0.015466841558615366,"channel":1,"num_words":3,"start":439.17,"end":439.73},{"sentences":[{"text":"it","start":439.59,"end":440.09,"sentiment":"neutral","sentiment_score":-0.004266567528247833}],"sentiment":"neutral","sentiment_score":-0.004266567528247833,"channel":0,"num_words":1,"start":439.59,"end":440.09},{"sentences":[{"text":"do I get back to $250 after that per per","start":439.73,"end":442.815,"sentiment":"neutral","sentiment_score":-0.0182883832603693}],"sentiment":"neutral","sentiment_score":-0.0182883832603693,"channel":1,"num_words":10,"start":439.73,"end":442.815},{"sentences":[{"text":"It","start":442.77502,"end":443.015,"sentiment":"neutral","sentiment_score":-0.011585276573896408}],"sentiment":"neutral","sentiment_score":-0.011585276573896408,"channel":0,"num_words":1,"start":442.77502,"end":443.015},{"sentences":[{"text":"month?","start":442.815,"end":443.315,"sentiment":"neutral","sentiment_score":-0.012913285754621027}],"sentiment":"neutral","sentiment_score":-0.012913285754621027,"channel":1,"num_words":1,"start":442.815,"end":443.315},{"sentences":[{"text":"yeah.","start":443.49503,"end":443.815,"sentiment":"neutral","sentiment_score":0.008762536570429802},{"text":"So the only way to go back if you stop for a whole year is to either open up a new investment bond if you don't wanna reset the time frame.","start":443.815,"end":452.635,"sentiment":"neutral","sentiment_score":-0.03151004953730491},{"text":"Or if you do start making those $2.50, it will reset the time frame.","start":453.03,"end":457.53,"sentiment":"neutral","sentiment_score":0.0009391225342239652},{"text":"So","start":457.75,"end":457.91,"sentiment":"neutral","sentiment_score":0.030676409602165226}],"sentiment":"neutral","sentiment_score":-0.019664359021377056,"channel":0,"num_words":47,"start":443.49503,"end":457.91},{"sentences":[{"text":"Reset","start":457.86002,"end":458.34,"sentiment":"neutral","sentiment_score":0.01357567310333252}],"sentiment":"neutral","sentiment_score":0.01357567310333252,"channel":1,"num_words":1,"start":457.86002,"end":458.34},{"sentences":[{"text":"that is","start":457.91,"end":458.39,"sentiment":"neutral","sentiment_score":0.0036851465702056885}],"sentiment":"neutral","sentiment_score":0.0036851465702056885,"channel":0,"num_words":2,"start":457.91,"end":458.39},{"sentences":[{"text":"the","start":458.34,"end":458.5,"sentiment":"neutral","sentiment_score":0.009771846234798431}],"sentiment":"neutral","sentiment_score":0.009771846234798431,"channel":1,"num_words":1,"start":458.34,"end":458.5},{"sentences":[{"text":"kind","start":458.39,"end":458.63,"sentiment":"neutral","sentiment_score":0.01937399059534073}],"sentiment":"neutral","sentiment_score":0.01937399059534073,"channel":0,"num_words":1,"start":458.39,"end":458.63},{"sentences":[{"text":"time","start":458.5,"end":458.74002,"sentiment":"neutral","sentiment_score":-0.02586016058921814}],"sentiment":"neutral","sentiment_score":-0.02586016058921814,"channel":1,"num_words":1,"start":458.5,"end":458.74002},{"sentences":[{"text":"of","start":458.63,"end":459.13,"sentiment":"neutral","sentiment_score":-0.03115168958902359}],"sentiment":"neutral","sentiment_score":-0.03115168958902359,"channel":0,"num_words":1,"start":458.63,"end":459.13},{"sentences":[{"text":"frame.","start":458.74002,"end":458.9,"sentiment":"neutral","sentiment_score":-0.010724462568759918},{"text":"So did all my","start":458.9,"end":459.7,"sentiment":"neutral","sentiment_score":-0.024303587153553963}],"sentiment":"neutral","sentiment_score":-0.021587762236595153,"channel":1,"num_words":5,"start":458.74002,"end":459.7},{"sentences":[{"text":"correct.","start":459.67,"end":460.17,"sentiment":"neutral","sentiment_score":-0.017592914402484894}],"sentiment":"neutral","sentiment_score":-0.017592914402484894,"channel":0,"num_words":1,"start":459.67,"end":460.17},{"sentences":[{"text":"investments become zero, is it?","start":459.7,"end":460.98,"sentiment":"neutral","sentiment_score":-0.05213561505079269},{"text":"As in all my all my gains become zero?","start":460.98,"end":463.06,"sentiment":"neutral","sentiment_score":-0.059169785843955144},{"text":"Is that what you're","start":463.06,"end":463.7,"sentiment":"neutral","sentiment_score":-0.07244928274303675}],"sentiment":"neutral","sentiment_score":-0.060166848823428154,"channel":1,"num_words":18,"start":459.7,"end":463.7},{"sentences":[{"text":"No.","start":463.59,"end":464.09,"sentiment":"neutral","sentiment_score":-0.160615012049675}],"sentiment":"neutral","sentiment_score":-0.160615012049675,"channel":0,"num_words":1,"start":463.59,"end":464.09},{"sentences":[{"text":"saying?","start":463.7,"end":464.2,"sentiment":"neutral","sentiment_score":-0.12606020271778107}],"sentiment":"neutral","sentiment_score":-0.12606020271778107,"channel":1,"num_words":1,"start":463.7,"end":464.2},{"sentences":[{"text":"No.","start":464.15,"end":464.39,"sentiment":"neutral","sentiment_score":-0.21272096037864685},{"text":"They all say that.","start":464.39,"end":465.19,"sentiment":"neutral","sentiment_score":-0.17433873936533928},{"text":"It just means from a tax point of view.","start":465.19,"end":467.205,"sentiment":"neutral","sentiment_score":-0.11781792094310124},{"text":"So let's say you make contributions, and then you you say that from ten years or when you set the bond up, you wanna take it all out and give to your children.","start":467.205,"end":477.54498,"sentiment":"neutral","sentiment_score":0.026589742946353825},{"text":"If you let's say after five years, stop contribution, and then let's say, year seven, you decide to put more in, you still have all the gains.","start":478.00497,"end":487.63,"sentiment":"neutral","sentiment_score":0.048928644577110256}],"sentiment":"neutral","sentiment_score":0.0030824015470775398,"channel":0,"num_words":74,"start":464.15,"end":487.63},{"sentences":[{"text":"All the money is still there.","start":487.63,"end":488.83002,"sentiment":"neutral","sentiment_score":0.1521253908673922},{"text":"It's still yours.","start":488.83002,"end":489.81,"sentiment":"neutral","sentiment_score":0.1634980042775472}],"sentiment":"neutral","sentiment_score":0.15591626200411055,"channel":0,"num_words":9,"start":487.63,"end":489.81},{"sentences":[{"text":"Yeah.","start":489.37,"end":489.87,"sentiment":"neutral","sentiment_score":0.12066616117954254}],"sentiment":"neutral","sentiment_score":0.12066616117954254,"channel":1,"num_words":1,"start":489.37,"end":489.87},{"sentences":[{"text":"It just means that from what makes us so tax effective with the bond, obviously, having that 0%, that time frame reset.","start":490.27002,"end":499.025,"sentiment":"neutral","sentiment_score":0.10327419304204258},{"text":"So if you put money","start":499.025,"end":500.705,"sentiment":"neutral","sentiment_score":-0.06788768768310546}],"sentiment":"neutral","sentiment_score":0.07157754846331146,"channel":0,"num_words":27,"start":490.27002,"end":500.705},{"sentences":[{"text":"So the","start":500.425,"end":500.825,"sentiment":"neutral","sentiment_score":-0.1843186877667904}],"sentiment":"neutral","sentiment_score":-0.1843186877667904,"channel":1,"num_words":2,"start":500.425,"end":500.825},{"sentences":[{"text":"in","start":500.705,"end":501.185,"sentiment":"neutral","sentiment_score":-0.2467358410358429}],"sentiment":"neutral","sentiment_score":-0.2467358410358429,"channel":0,"num_words":1,"start":500.705,"end":501.185},{"sentences":[{"text":"first five","start":500.825,"end":501.305,"sentiment":"neutral","sentiment_score":-0.2686016112565994}],"sentiment":"neutral","sentiment_score":-0.2686016112565994,"channel":1,"num_words":2,"start":500.825,"end":501.305},{"sentences":[{"text":"at","start":501.185,"end":501.685,"sentiment":"neutral","sentiment_score":-0.23243820667266848}],"sentiment":"neutral","sentiment_score":-0.23243820667266848,"channel":0,"num_words":1,"start":501.185,"end":501.685},{"sentences":[{"text":"years first five years doesn't become tax free.","start":501.305,"end":503.625,"sentiment":"neutral","sentiment_score":-0.23188788443803787},{"text":"Is that what you mean?","start":503.625,"end":504.685,"sentiment":"neutral","sentiment_score":-0.09094895720481873}],"sentiment":"neutral","sentiment_score":-0.17768060473295358,"channel":1,"num_words":13,"start":501.305,"end":504.685},{"sentences":[{"text":"correct.","start":504.705,"end":505.205,"sentiment":"neutral","sentiment_score":0.025158392265439034},{"text":"Exactly.","start":505.345,"end":505.845,"sentiment":"neutral","sentiment_score":0.06179738789796829},{"text":"So if it just resets the time frame if you stop for","start":506.065,"end":510.87,"sentiment":"neutral","sentiment_score":-0.011088393007715544}],"sentiment":"neutral","sentiment_score":-0.003293209709227085,"channel":0,"num_words":14,"start":504.705,"end":510.87},{"sentences":[{"text":"Right.","start":510.72,"end":511.22,"sentiment":"neutral","sentiment_score":0.0037547266110777855}],"sentiment":"neutral","sentiment_score":0.0037547266110777855,"channel":1,"num_words":1,"start":510.72,"end":511.22},{"sentences":[{"text":"twelve months.","start":510.87,"end":511.69,"sentiment":"neutral","sentiment_score":0.004352204501628876},{"text":"Yeah.","start":511.83,"end":512.31,"sentiment":"neutral","sentiment_score":0.07223731279373169},{"text":"So all","start":512.31,"end":512.79,"sentiment":"neutral","sentiment_score":0.06124711595475674}],"sentiment":"neutral","sentiment_score":0.04068719074130058,"channel":0,"num_words":5,"start":510.87,"end":512.79},{"sentences":[{"text":"Okay.","start":512.72,"end":513.22,"sentiment":"neutral","sentiment_score":0.13220258057117462}],"sentiment":"neutral","sentiment_score":0.13220258057117462,"channel":1,"num_words":1,"start":512.72,"end":513.22},{"sentences":[{"text":"the money is still there.","start":512.79,"end":513.67,"sentiment":"neutral","sentiment_score":0.09314932078123092},{"text":"It just kind of makes it, like, not as tax effective by resetting the the time frame.","start":513.67,"end":519.27,"sentiment":"neutral","sentiment_score":-0.028061518555178362},{"text":"But let's say if you have it that your time frame is ideally fifteen years, let's say, then","start":519.27,"end":526.71497,"sentiment":"neutral","sentiment_score":0.023275499956475362}],"sentiment":"neutral","sentiment_score":0.010191494692116975,"channel":0,"num_words":40,"start":512.79,"end":526.71497},{"sentences":[{"text":"Yeah.","start":526.33496,"end":526.83496,"sentiment":"neutral","sentiment_score":0.09064141660928726}],"sentiment":"neutral","sentiment_score":0.09064141660928726,"channel":1,"num_words":1,"start":526.33496,"end":526.83496},{"sentences":[{"text":"you can reset the time frame.","start":527.01495,"end":528.375,"sentiment":"neutral","sentiment_score":0.057036121686299644},{"text":"It doesn't really matter because you don't wanna take the money out for fifteen years anyway.","start":528.375,"end":532.235,"sentiment":"neutral","sentiment_score":-0.04836924304254353},{"text":"So","start":533.735,"end":533.89496,"sentiment":"neutral","sentiment_score":0.010936550796031952}],"sentiment":"neutral","sentiment_score":-0.01829367859855942,"channel":0,"num_words":23,"start":527.01495,"end":533.89496},{"sentences":[{"text":"Yeah.","start":533.8,"end":534.04,"sentiment":"neutral","sentiment_score":0.024613231420516968}],"sentiment":"neutral","sentiment_score":0.024613231420516968,"channel":1,"num_words":1,"start":533.8,"end":534.04},{"sentences":[{"text":"all","start":533.89496,"end":534.055,"sentiment":"neutral","sentiment_score":0.030683085322380062}],"sentiment":"neutral","sentiment_score":0.030683085322380062,"channel":0,"num_words":1,"start":533.89496,"end":534.055},{"sentences":[{"text":"Yeah.","start":534.04,"end":534.54,"sentiment":"neutral","sentiment_score":0.028454536572098732}],"sentiment":"neutral","sentiment_score":0.028454536572098732,"channel":1,"num_words":1,"start":534.04,"end":534.54},{"sentences":[{"text":"the money is still there.","start":534.055,"end":535.25494,"sentiment":"neutral","sentiment_score":-0.0489992618560791},{"text":"It is a bit complex, but does it kind of make sense?","start":535.25494,"end":539.01996,"sentiment":"neutral","sentiment_score":-0.12360957295944293},{"text":"It seems like you have a pretty good understanding of it.","start":539.01996,"end":541.36,"sentiment":"neutral","sentiment_score":0.19726197963411157}],"sentiment":"neutral","sentiment_score":0.015770378256482736,"channel":0,"num_words":28,"start":534.055,"end":541.36},{"sentences":[{"text":"Yeah.","start":542.44,"end":542.94,"sentiment":"neutral","sentiment_score":0.1450454592704773},{"text":"Yeah.","start":543.0,"end":543.16,"sentiment":"neutral","sentiment_score":0.12536554038524628},{"text":"It's better to continue.","start":543.16,"end":544.3,"sentiment":"neutral","sentiment_score":0.1275780964642763},{"text":"That's what","start":544.52,"end":544.92,"sentiment":"neutral","sentiment_score":0.15584459900856018}],"sentiment":"neutral","sentiment_score":0.13655157294124365,"channel":1,"num_words":8,"start":542.44,"end":544.92},{"sentences":[{"text":"Yes.","start":544.94,"end":545.44,"sentiment":"neutral","sentiment_score":0.1644723415374756}],"sentiment":"neutral","sentiment_score":0.1644723415374756,"channel":0,"num_words":1,"start":544.94,"end":545.44},{"sentences":[{"text":"that's the summary.","start":545.0,"end":545.89996,"sentiment":"neutral","sentiment_score":0.12008089323838551},{"text":"And what what","start":546.005,"end":546.40497,"sentiment":"neutral","sentiment_score":0.023727377876639366}],"sentiment":"neutral","sentiment_score":0.07190413555751245,"channel":1,"num_words":6,"start":545.0,"end":546.40497},{"sentences":[{"text":"Yes.","start":546.38,"end":546.88,"sentiment":"neutral","sentiment_score":0.025722280144691467}],"sentiment":"neutral","sentiment_score":0.025722280144691467,"channel":0,"num_words":1,"start":546.38,"end":546.88},{"sentences":[{"text":"if the amount decreases?","start":546.40497,"end":547.765,"sentiment":"neutral","sentiment_score":0.0019197228830307722},{"text":"So let's say instead of $2.50,","start":547.765,"end":549.385,"sentiment":"neutral","sentiment_score":0.02450507755080859}],"sentiment":"neutral","sentiment_score":0.015470935683697461,"channel":1,"num_words":10,"start":546.40497,"end":549.385},{"sentences":[{"text":"Yep.","start":549.835,"end":550.335,"sentiment":"neutral","sentiment_score":0.0613788366317749}],"sentiment":"neutral","sentiment_score":0.0613788366317749,"channel":0,"num_words":1,"start":549.835,"end":550.335},{"sentences":[{"text":"let's say for a year, I just want to bring it down to $200.","start":550.005,"end":553.545,"sentiment":"neutral","sentiment_score":0.07810087315738201}],"sentiment":"neutral","sentiment_score":0.07810087315738201,"channel":1,"num_words":14,"start":550.005,"end":553.545},{"sentences":[{"text":"Yep.","start":553.675,"end":554.175,"sentiment":"neutral","sentiment_score":0.057550475001335144}],"sentiment":"neutral","sentiment_score":0.057550475001335144,"channel":0,"num_words":1,"start":553.675,"end":554.175},{"sentences":[{"text":"Does that impact as well or does it doesn't impact?","start":554.245,"end":558.02496,"sentiment":"neutral","sentiment_score":-0.012510082498192788}],"sentiment":"neutral","sentiment_score":-0.012510082498192788,"channel":1,"num_words":10,"start":554.245,"end":558.02496},{"sentences":[{"text":"It does.","start":558.395,"end":559.215,"sentiment":"neutral","sentiment_score":0.08009825646877289},{"text":"So","start":559.435,"end":559.755,"sentiment":"neutral","sentiment_score":0.08650555461645126}],"sentiment":"neutral","sentiment_score":0.08223402251799901,"channel":0,"num_words":3,"start":558.395,"end":559.755},{"sentences":[{"text":"It","start":559.685,"end":559.845,"sentiment":"neutral","sentiment_score":0.11431907117366792}],"sentiment":"neutral","sentiment_score":0.11431907117366792,"channel":1,"num_words":1,"start":559.685,"end":559.845},{"sentences":[{"text":"it","start":559.755,"end":559.995,"sentiment":"neutral","sentiment_score":0.14045381546020508}],"sentiment":"neutral","sentiment_score":0.14045381546020508,"channel":0,"num_words":1,"start":559.755,"end":559.995},{"sentences":[{"text":"does.","start":559.845,"end":560.16,"sentiment":"neutral","sentiment_score":0.10580232739448547}],"sentiment":"neutral","sentiment_score":0.10580232739448547,"channel":1,"num_words":1,"start":559.845,"end":560.16},{"sentences":[{"text":"kind of it changes every year, which is a 120.","start":559.995,"end":563.435,"sentiment":"neutral","sentiment_score":0.029232137836515903},{"text":"So let's say 2020 sorry.","start":563.435,"end":566.95996,"sentiment":"neutral","sentiment_score":0.044128664582967755},{"text":"April, for simplicity, let's keep it April 2026 to April 2027.","start":566.95996,"end":572.88,"sentiment":"neutral","sentiment_score":0.05864779854362661},{"text":"Let's say you did $200 a month.","start":572.88,"end":574.98,"sentiment":"neutral","sentiment_score":0.06044269619243486},{"text":"Now that is 2,400.","start":575.36,"end":578.33997,"sentiment":"neutral","sentiment_score":0.05020692013204098}],"sentiment":"neutral","sentiment_score":0.048162622679326986,"channel":0,"num_words":37,"start":559.995,"end":578.33997},{"sentences":[{"text":"Now the 2027 to 2028, you can then do 3,000 max for that year because that","start":579.03503,"end":587.99506,"sentiment":"neutral","sentiment_score":0.06363457511179149}],"sentiment":"neutral","sentiment_score":0.06363457511179149,"channel":0,"num_words":16,"start":579.03503,"end":587.99506},{"sentences":[{"text":"Yeah.","start":587.97504,"end":588.215,"sentiment":"neutral","sentiment_score":0.07221866399049759}],"sentiment":"neutral","sentiment_score":0.07221866399049759,"channel":1,"num_words":1,"start":587.97504,"end":588.215},{"sentences":[{"text":"is","start":587.99506,"end":588.23505,"sentiment":"neutral","sentiment_score":0.04982371628284454}],"sentiment":"neutral","sentiment_score":0.04982371628284454,"channel":0,"num_words":1,"start":587.99506,"end":588.23505},{"sentences":[{"text":"Just","start":588.215,"end":588.53503,"sentiment":"neutral","sentiment_score":0.06862719357013702}],"sentiment":"neutral","sentiment_score":0.06862719357013702,"channel":1,"num_words":1,"start":588.215,"end":588.53503},{"sentences":[{"text":"a 100","start":588.23505,"end":588.715,"sentiment":"neutral","sentiment_score":0.07253066450357437}],"sentiment":"neutral","sentiment_score":0.07253066450357437,"channel":0,"num_words":2,"start":588.23505,"end":588.715},{"sentences":[{"text":"just","start":588.53503,"end":588.775,"sentiment":"neutral","sentiment_score":0.06077783554792404}],"sentiment":"neutral","sentiment_score":0.06077783554792404,"channel":1,"num_words":1,"start":588.53503,"end":588.775},{"sentences":[{"text":"and","start":588.715,"end":588.875,"sentiment":"neutral","sentiment_score":0.048558540642261505}],"sentiment":"neutral","sentiment_score":0.048558540642261505,"channel":0,"num_words":1,"start":588.715,"end":588.875},{"sentences":[{"text":"the one","start":588.775,"end":589.09503,"sentiment":"neutral","sentiment_score":0.0617290697991848}],"sentiment":"neutral","sentiment_score":0.0617290697991848,"channel":1,"num_words":2,"start":588.775,"end":589.09503},{"sentences":[{"text":"twenty.","start":588.875,"end":589.375,"sentiment":"neutral","sentiment_score":0.0549340657889843}],"sentiment":"neutral","sentiment_score":0.0549340657889843,"channel":0,"num_words":1,"start":588.875,"end":589.375},{"sentences":[{"text":"25% changes.","start":589.09503,"end":590.23505,"sentiment":"neutral","sentiment_score":0.061239611357450485},{"text":"That's","start":590.61505,"end":590.88,"sentiment":"neutral","sentiment_score":0.11303344368934631}],"sentiment":"neutral","sentiment_score":0.0785042221347491,"channel":1,"num_words":3,"start":589.09503,"end":590.88},{"sentences":[{"text":"Correct.","start":590.715,"end":591.215,"sentiment":"neutral","sentiment_score":0.1664179563522339}],"sentiment":"neutral","sentiment_score":0.1664179563522339,"channel":0,"num_words":1,"start":590.715,"end":591.215},{"sentences":[{"text":"it.","start":590.88,"end":591.12,"sentiment":"neutral","sentiment_score":0.11602330207824708},{"text":"Right?","start":591.12,"end":591.52,"sentiment":"neutral","sentiment_score":0.08446292579174042},{"text":"But","start":591.52,"end":591.76,"sentiment":"neutral","sentiment_score":0.03873468190431595}],"sentiment":"neutral","sentiment_score":0.07974030325810115,"channel":1,"num_words":3,"start":590.88,"end":591.76},{"sentences":[{"text":"So","start":591.63,"end":591.79004,"sentiment":"neutral","sentiment_score":0.016502145677804947}],"sentiment":"neutral","sentiment_score":0.016502145677804947,"channel":0,"num_words":1,"start":591.63,"end":591.79004},{"sentences":[{"text":"it","start":591.76,"end":591.84,"sentiment":"neutral","sentiment_score":0.004933983087539673}],"sentiment":"neutral","sentiment_score":0.004933983087539673,"channel":1,"num_words":1,"start":591.76,"end":591.84},{"sentences":[{"text":"the","start":591.79004,"end":591.87,"sentiment":"neutral","sentiment_score":-0.015510912984609604}],"sentiment":"neutral","sentiment_score":-0.015510912984609604,"channel":0,"num_words":1,"start":591.79004,"end":591.87},{"sentences":[{"text":"doesn't","start":591.84,"end":592.16003,"sentiment":"neutral","sentiment_score":-0.031073352321982384}],"sentiment":"neutral","sentiment_score":-0.031073352321982384,"channel":1,"num_words":1,"start":591.84,"end":592.16003},{"sentences":[{"text":"100","start":591.87,"end":592.19,"sentiment":"neutral","sentiment_score":-0.02861322835087776}],"sentiment":"neutral","sentiment_score":-0.02861322835087776,"channel":0,"num_words":1,"start":591.87,"end":592.19},{"sentences":[{"text":"it","start":592.16003,"end":592.32,"sentiment":"neutral","sentiment_score":-0.033830974251031876}],"sentiment":"neutral","sentiment_score":-0.033830974251031876,"channel":1,"num_words":1,"start":592.16003,"end":592.32},{"sentences":[{"text":"and","start":592.19,"end":592.35004,"sentiment":"neutral","sentiment_score":-0.050315532833337784}],"sentiment":"neutral","sentiment_score":-0.050315532833337784,"channel":0,"num_words":1,"start":592.19,"end":592.35004},{"sentences":[{"text":"doesn't","start":592.32,"end":592.72003,"sentiment":"neutral","sentiment_score":-0.0518139973282814}],"sentiment":"neutral","sentiment_score":-0.0518139973282814,"channel":1,"num_words":1,"start":592.32,"end":592.72003},{"sentences":[{"text":"20","start":592.35004,"end":592.75,"sentiment":"neutral","sentiment_score":-0.04160476103425026}],"sentiment":"neutral","sentiment_score":-0.04160476103425026,"channel":0,"num_words":1,"start":592.35004,"end":592.75},{"sentences":[{"text":"impact it doesn't impact previously like it reset the","start":592.72003,"end":596.56,"sentiment":"neutral","sentiment_score":-0.08678057210312949}],"sentiment":"neutral","sentiment_score":-0.08678057210312949,"channel":1,"num_words":9,"start":592.72003,"end":596.56},{"sentences":[{"text":"no.","start":596.11,"end":596.59,"sentiment":"neutral","sentiment_score":-0.0940771996974945},{"text":"No.","start":596.59,"end":597.09,"sentiment":"neutral","sentiment_score":-0.07040686905384064}],"sentiment":"neutral","sentiment_score":-0.08224203437566757,"channel":0,"num_words":2,"start":596.11,"end":597.09},{"sentences":[{"text":"okay.","start":597.04,"end":597.54,"sentiment":"neutral","sentiment_score":-0.01669180765748024}],"sentiment":"neutral","sentiment_score":-0.01669180765748024,"channel":1,"num_words":1,"start":597.04,"end":597.54},{"sentences":[{"text":"No.","start":597.39,"end":597.87,"sentiment":"neutral","sentiment_score":-0.08740000426769257},{"text":"No.","start":597.87,"end":598.03,"sentiment":"neutral","sentiment_score":-0.08868251740932465},{"text":"Not that.","start":598.03,"end":598.43,"sentiment":"neutral","sentiment_score":-0.06181975454092026},{"text":"As long as you don't go over one twenty, which is why they call it a 120% rule.","start":598.43,"end":603.97003,"sentiment":"neutral","sentiment_score":0.01277844972598056},{"text":"So if","start":604.085,"end":604.485,"sentiment":"neutral","sentiment_score":0.09044421464204788}],"sentiment":"neutral","sentiment_score":0.004632437233037005,"channel":0,"num_words":24,"start":597.39,"end":604.485},{"sentences":[{"text":"Okay.","start":604.48,"end":604.905,"sentiment":"neutral","sentiment_score":0.13714538514614105}],"sentiment":"neutral","sentiment_score":0.13714538514614105,"channel":1,"num_words":1,"start":604.48,"end":604.905},{"sentences":[{"text":"if you stay within the 125%, you can, if you want through every year, increase it to the max amount, and","start":604.485,"end":612.965,"sentiment":"neutral","sentiment_score":0.18681234085843676}],"sentiment":"neutral","sentiment_score":0.18681234085843676,"channel":0,"num_words":21,"start":604.485,"end":612.965},{"sentences":[{"text":"Yeah.","start":612.66504,"end":613.065,"sentiment":"neutral","sentiment_score":0.17714223265647888}],"sentiment":"neutral","sentiment_score":0.17714223265647888,"channel":1,"num_words":1,"start":612.66504,"end":613.065},{"sentences":[{"text":"you'll","start":612.965,"end":613.28503,"sentiment":"neutral","sentiment_score":0.17875134944915771}],"sentiment":"neutral","sentiment_score":0.17875134944915771,"channel":0,"num_words":1,"start":612.965,"end":613.28503},{"sentences":[{"text":"Got","start":613.065,"end":613.565,"sentiment":"neutral","sentiment_score":0.16402769088745117}],"sentiment":"neutral","sentiment_score":0.16402769088745117,"channel":1,"num_words":1,"start":613.065,"end":613.565},{"sentences":[{"text":"stay with with under the threshold.","start":613.28503,"end":615.065,"sentiment":"neutral","sentiment_score":0.1407801186045011}],"sentiment":"neutral","sentiment_score":0.1407801186045011,"channel":0,"num_words":6,"start":613.28503,"end":615.065},{"sentences":[{"text":"it.","start":615.145,"end":615.645,"sentiment":"neutral","sentiment_score":0.01801585592329502}],"sentiment":"neutral","sentiment_score":0.01801585592329502,"channel":1,"num_words":1,"start":615.145,"end":615.645},{"sentences":[{"text":"It's just if you go over.","start":615.28503,"end":616.825,"sentiment":"neutral","sentiment_score":0.05298866083224615},{"text":"The","start":617.125,"end":617.365,"sentiment":"neutral","sentiment_score":0.19521450996398929}],"sentiment":"neutral","sentiment_score":0.07330663927963801,"channel":0,"num_words":7,"start":615.28503,"end":617.365},{"sentences":[{"text":"Got","start":617.22504,"end":617.465,"sentiment":"positive","sentiment_score":0.4219777286052704}],"sentiment":"positive","sentiment_score":0.4219777286052704,"channel":1,"num_words":1,"start":617.22504,"end":617.465},{"sentences":[{"text":"good","start":617.365,"end":617.525,"sentiment":"positive","sentiment_score":0.4733518362045288}],"sentiment":"positive","sentiment_score":0.4733518362045288,"channel":0,"num_words":1,"start":617.365,"end":617.525},{"sentences":[{"text":"it.","start":617.465,"end":617.625,"sentiment":"positive","sentiment_score":0.3825300335884094}],"sentiment":"positive","sentiment_score":0.3825300335884094,"channel":1,"num_words":1,"start":617.465,"end":617.625},{"sentences":[{"text":"thing","start":617.525,"end":617.765,"sentiment":"neutral","sentiment_score":0.10413772612810136}],"sentiment":"neutral","sentiment_score":0.10413772612810136,"channel":0,"num_words":1,"start":617.525,"end":617.765},{"sentences":[{"text":"So it","start":617.625,"end":618.03,"sentiment":"neutral","sentiment_score":0.029917407780885696}],"sentiment":"neutral","sentiment_score":0.029917407780885696,"channel":1,"num_words":2,"start":617.625,"end":618.03},{"sentences":[{"text":"with","start":617.765,"end":618.265,"sentiment":"neutral","sentiment_score":0.014291420578956604}],"sentiment":"neutral","sentiment_score":0.014291420578956604,"channel":0,"num_words":1,"start":617.765,"end":618.265},{"sentences":[{"text":"should not ideally be zero is what I understand.","start":618.11005,"end":620.51,"sentiment":"neutral","sentiment_score":-0.01482537036968602},{"text":"If it becomes","start":620.51,"end":621.15,"sentiment":"neutral","sentiment_score":-0.007476915915807088}],"sentiment":"neutral","sentiment_score":-0.012988256756216288,"channel":1,"num_words":12,"start":618.11005,"end":621.15},{"sentences":[{"text":"correct.","start":620.77,"end":621.08997,"sentiment":"neutral","sentiment_score":0.007784310728311539},{"text":"Correct.","start":621.08997,"end":621.58997,"sentiment":"neutral","sentiment_score":0.008151157759130001}],"sentiment":"neutral","sentiment_score":0.00796773424372077,"channel":0,"num_words":2,"start":620.77,"end":621.58997},{"sentences":[{"text":"zero, then it resets.","start":621.15,"end":622.53,"sentiment":"neutral","sentiment_score":-0.00221363507444039},{"text":"But it can","start":622.59,"end":623.15,"sentiment":"neutral","sentiment_score":0.007926291786134243}],"sentiment":"neutral","sentiment_score":0.002132047865805881,"channel":1,"num_words":7,"start":621.15,"end":623.15},{"sentences":[{"text":"Correct.","start":622.93,"end":623.43,"sentiment":"neutral","sentiment_score":0.014475755393505096}],"sentiment":"neutral","sentiment_score":0.014475755393505096,"channel":0,"num_words":1,"start":622.93,"end":623.43},{"sentences":[{"text":"be anywhere between zero or $1 to the $1.25","start":623.15,"end":626.59,"sentiment":"neutral","sentiment_score":0.020645053850279912}],"sentiment":"neutral","sentiment_score":0.020645053850279912,"channel":1,"num_words":9,"start":623.15,"end":626.59},{"sentences":[{"text":"Yes.","start":626.45,"end":626.95,"sentiment":"neutral","sentiment_score":0.08059860020875931}],"sentiment":"neutral","sentiment_score":0.08059860020875931,"channel":0,"num_words":1,"start":626.45,"end":626.95},{"sentences":[{"text":"percent of that amount.","start":626.59,"end":627.81006,"sentiment":"neutral","sentiment_score":0.11264035105705261}],"sentiment":"neutral","sentiment_score":0.11264035105705261,"channel":1,"num_words":4,"start":626.59,"end":627.81006},{"sentences":[{"text":"100%.","start":627.49,"end":628.31,"sentiment":"neutral","sentiment_score":0.1636127531528473}],"sentiment":"neutral","sentiment_score":0.1636127531528473,"channel":0,"num_words":1,"start":627.49,"end":628.31},{"sentences":[{"text":"Right?","start":627.87006,"end":628.37006,"sentiment":"neutral","sentiment_score":0.11251747608184814}],"sentiment":"neutral","sentiment_score":0.11251747608184814,"channel":1,"num_words":1,"start":627.87006,"end":628.37006},{"sentences":[{"text":"Yes.","start":628.37,"end":628.77,"sentiment":"neutral","sentiment_score":0.12394466996192932}],"sentiment":"neutral","sentiment_score":0.12394466996192932,"channel":0,"num_words":1,"start":628.37,"end":628.77},{"sentences":[{"text":"Okay.","start":628.67004,"end":628.99005,"sentiment":"neutral","sentiment_score":0.14591488242149353}],"sentiment":"neutral","sentiment_score":0.14591488242149353,"channel":1,"num_words":1,"start":628.67004,"end":628.99005},{"sentences":[{"text":"Correct.","start":628.77,"end":629.27,"sentiment":"neutral","sentiment_score":0.17629960179328918}],"sentiment":"neutral","sentiment_score":0.17629960179328918,"channel":0,"num_words":1,"start":628.77,"end":629.27},{"sentences":[{"text":"Okay.","start":628.99005,"end":629.31006,"sentiment":"neutral","sentiment_score":0.16965052485466003},{"text":"Then","start":629.31006,"end":629.55005,"sentiment":"neutral","sentiment_score":0.17156510055065155}],"sentiment":"neutral","sentiment_score":0.1706078127026558,"channel":1,"num_words":2,"start":628.99005,"end":629.55005},{"sentences":[{"text":"And","start":629.49,"end":629.64996,"sentiment":"neutral","sentiment_score":0.1522403359413147}],"sentiment":"neutral","sentiment_score":0.1522403359413147,"channel":0,"num_words":1,"start":629.49,"end":629.64996},{"sentences":[{"text":"then","start":629.55005,"end":629.79004,"sentiment":"neutral","sentiment_score":0.15897314250469208}],"sentiment":"neutral","sentiment_score":0.15897314250469208,"channel":1,"num_words":1,"start":629.55005,"end":629.79004},{"sentences":[{"text":"the","start":629.64996,"end":629.81,"sentiment":"neutral","sentiment_score":0.17013537883758545}],"sentiment":"neutral","sentiment_score":0.17013537883758545,"channel":0,"num_words":1,"start":629.64996,"end":629.81},{"sentences":[{"text":"there","start":629.79004,"end":629.95,"sentiment":"neutral","sentiment_score":0.21579287946224213}],"sentiment":"neutral","sentiment_score":0.21579287946224213,"channel":1,"num_words":1,"start":629.79004,"end":629.95},{"sentences":[{"text":"good","start":629.81,"end":630.05,"sentiment":"neutral","sentiment_score":0.25672513246536255}],"sentiment":"neutral","sentiment_score":0.25672513246536255,"channel":0,"num_words":1,"start":629.81,"end":630.05},{"sentences":[{"text":"are no issues in that sense.","start":629.95,"end":631.245,"sentiment":"neutral","sentiment_score":0.23823637763659158},{"text":"Okay.","start":631.485,"end":631.985,"sentiment":"neutral","sentiment_score":0.07964837551116943}],"sentiment":"neutral","sentiment_score":0.21558094876153128,"channel":1,"num_words":7,"start":629.95,"end":631.985},{"sentences":[{"text":"no.","start":631.525,"end":631.765,"sentiment":"neutral","sentiment_score":0.0557684525847435},{"text":"Exactly.","start":631.765,"end":632.265,"sentiment":"neutral","sentiment_score":0.1386621594429016},{"text":"And","start":632.565,"end":632.725,"sentiment":"neutral","sentiment_score":0.10935041308403017}],"sentiment":"neutral","sentiment_score":0.10126034170389175,"channel":0,"num_words":3,"start":631.525,"end":632.725},{"sentences":[{"text":"Got","start":632.605,"end":632.845,"sentiment":"neutral","sentiment_score":0.13762158155441284}],"sentiment":"neutral","sentiment_score":0.13762158155441284,"channel":1,"num_words":1,"start":632.605,"end":632.845},{"sentences":[{"text":"the","start":632.725,"end":632.885,"sentiment":"neutral","sentiment_score":0.2079240083694458}],"sentiment":"neutral","sentiment_score":0.2079240083694458,"channel":0,"num_words":1,"start":632.725,"end":632.885},{"sentences":[{"text":"it.","start":632.845,"end":633.345,"sentiment":"neutral","sentiment_score":0.2594471573829651}],"sentiment":"neutral","sentiment_score":0.2594471573829651,"channel":1,"num_words":1,"start":632.845,"end":633.345},{"sentences":[{"text":"good thing with Genlife as well is that if for for some reason, you forget the rule or you are not sure how much you've done and you put extra in, and you don't tell us and you're just like, oh, yeah.","start":632.885,"end":645.125,"sentiment":"neutral","sentiment_score":0.25115329399704933},{"text":"I wanna put in.","start":645.125,"end":646.14,"sentiment":"neutral","sentiment_score":0.26579930260777473},{"text":"Genlife will notify us.","start":646.38,"end":648.16003,"sentiment":"neutral","sentiment_score":0.26565857231616974},{"text":"So they have kind of a safety, so they will notified us and say, hey.","start":648.38,"end":651.92004,"sentiment":"neutral","sentiment_score":0.27607890367507937},{"text":"We've seen that there's more than a 125% added this year.","start":652.14,"end":656.24,"sentiment":"neutral","sentiment_score":0.1864188638600436}],"sentiment":"neutral","sentiment_score":0.24823764348892788,"channel":0,"num_words":76,"start":632.885,"end":656.24},{"sentences":[{"text":"Is that correct, or do you want us to refund some of the amount?","start":656.46,"end":659.475,"sentiment":"neutral","sentiment_score":0.07377722673118114}],"sentiment":"neutral","sentiment_score":0.07377722673118114,"channel":0,"num_words":14,"start":656.46,"end":659.475},{"sentences":[{"text":"Got","start":659.64,"end":659.8,"sentiment":"neutral","sentiment_score":0.08961720764636993}],"sentiment":"neutral","sentiment_score":0.08961720764636993,"channel":1,"num_words":1,"start":659.64,"end":659.8},{"sentences":[{"text":"So","start":659.71497,"end":659.95496,"sentiment":"neutral","sentiment_score":0.1370596140623093}],"sentiment":"neutral","sentiment_score":0.1370596140623093,"channel":0,"num_words":1,"start":659.71497,"end":659.95496},{"sentences":[{"text":"it.","start":659.8,"end":660.045,"sentiment":"neutral","sentiment_score":0.2004792094230652}],"sentiment":"neutral","sentiment_score":0.2004792094230652,"channel":1,"num_words":1,"start":659.8,"end":660.045},{"sentences":[{"text":"they are very","start":659.95496,"end":660.755,"sentiment":"neutral","sentiment_score":0.3084590931733449}],"sentiment":"neutral","sentiment_score":0.3084590931733449,"channel":0,"num_words":3,"start":659.95496,"end":660.755},{"sentences":[{"text":"Got","start":660.605,"end":661.105,"sentiment":"positive","sentiment_score":0.3601475954055786}],"sentiment":"positive","sentiment_score":0.3601475954055786,"channel":1,"num_words":1,"start":660.605,"end":661.105},{"sentences":[{"text":"good with letting us know and communicate if it is a","start":660.755,"end":664.675,"sentiment":"positive","sentiment_score":0.40154918215491553}],"sentiment":"positive","sentiment_score":0.40154918215491553,"channel":0,"num_words":11,"start":660.755,"end":664.675},{"sentences":[{"text":"it.","start":664.52496,"end":665.02496,"sentiment":"neutral","sentiment_score":0.22404628992080688}],"sentiment":"neutral","sentiment_score":0.22404628992080688,"channel":1,"num_words":1,"start":664.52496,"end":665.02496},{"sentences":[{"text":"situation.","start":664.675,"end":665.175,"sentiment":"neutral","sentiment_score":0.17111815512180328},{"text":"But I would say if you are unsure or if you're trying to do more, just","start":665.315,"end":669.315,"sentiment":"neutral","sentiment_score":0.035909229423850775}],"sentiment":"neutral","sentiment_score":0.043862695641377396,"channel":0,"num_words":17,"start":664.675,"end":669.315},{"sentences":[{"text":"Yep.","start":669.165,"end":669.665,"sentiment":"neutral","sentiment_score":0.08534817397594452}],"sentiment":"neutral","sentiment_score":0.08534817397594452,"channel":1,"num_words":1,"start":669.165,"end":669.665},{"sentences":[{"text":"give us a call, and we can can just run through the numbers just to make sure","start":669.315,"end":673.01495,"sentiment":"neutral","sentiment_score":0.10547993288320653}],"sentiment":"neutral","sentiment_score":0.10547993288320653,"channel":0,"num_words":17,"start":669.315,"end":673.01495},{"sentences":[{"text":"Yep.","start":673.005,"end":673.505,"sentiment":"neutral","sentiment_score":0.05938940495252609}],"sentiment":"neutral","sentiment_score":0.05938940495252609,"channel":1,"num_words":1,"start":673.005,"end":673.505},{"sentences":[{"text":"you stay under the threshold.","start":673.07495,"end":674.45496,"sentiment":"neutral","sentiment_score":0.051939266920089724}],"sentiment":"neutral","sentiment_score":0.051939266920089724,"channel":0,"num_words":5,"start":673.07495,"end":674.45496},{"sentences":[{"text":"Yep.","start":674.845,"end":675.345,"sentiment":"neutral","sentiment_score":0.07102490961551666},{"text":"Got it.","start":675.47003,"end":675.63,"sentiment":"neutral","sentiment_score":0.13004230707883835},{"text":"Got it.","start":675.63,"end":676.65,"sentiment":"neutral","sentiment_score":0.12945890426635742}],"sentiment":"neutral","sentiment_score":0.11800546646118164,"channel":1,"num_words":5,"start":674.845,"end":676.65},{"sentences":[{"text":"Yeah.","start":676.17,"end":676.67,"sentiment":"neutral","sentiment_score":0.09384313225746156}],"sentiment":"neutral","sentiment_score":0.09384313225746156,"channel":0,"num_words":1,"start":676.17,"end":676.67},{"sentences":[{"text":"Okay.","start":676.67004,"end":677.17004,"sentiment":"neutral","sentiment_score":0.08124212920665741}],"sentiment":"neutral","sentiment_score":0.08124212920665741,"channel":1,"num_words":1,"start":676.67004,"end":677.17004},{"sentences":[{"text":"Does that answer those questions for you?","start":676.73,"end":679.06995,"sentiment":"neutral","sentiment_score":0.052568932729107995}],"sentiment":"neutral","sentiment_score":0.052568932729107995,"channel":0,"num_words":7,"start":676.73,"end":679.06995},{"sentences":[{"text":"Yeah.","start":678.59,"end":678.83,"sentiment":"neutral","sentiment_score":0.012833471409976482},{"text":"Yeah.","start":678.83,"end":678.99,"sentiment":"neutral","sentiment_score":-0.002100580371916294},{"text":"No.","start":678.99,"end":679.15,"sentiment":"neutral","sentiment_score":-0.03552243858575821},{"text":"I think it answers.","start":679.15,"end":679.95,"sentiment":"neutral","sentiment_score":-0.026972820982336998}],"sentiment":"neutral","sentiment_score":-0.01895440449672086,"channel":1,"num_words":7,"start":678.59,"end":679.95},{"sentences":[{"text":"Yeah.","start":679.61,"end":680.11,"sentiment":"neutral","sentiment_score":-0.0026708943769335747}],"sentiment":"neutral","sentiment_score":-0.0026708943769335747,"channel":0,"num_words":1,"start":679.61,"end":680.11},{"sentences":[{"text":"Look.","start":679.95,"end":680.19,"sentiment":"neutral","sentiment_score":-0.008032361045479774},{"text":"I think I one year ago when I set all this up, I","start":680.19,"end":683.23004,"sentiment":"neutral","sentiment_score":-0.014008299017754884}],"sentiment":"neutral","sentiment_score":-0.01358144630544952,"channel":1,"num_words":14,"start":679.95,"end":683.23004},{"sentences":[{"text":"Yeah.","start":683.05,"end":683.55,"sentiment":"neutral","sentiment_score":-0.010812430642545223}],"sentiment":"neutral","sentiment_score":-0.010812430642545223,"channel":0,"num_words":1,"start":683.05,"end":683.55},{"sentences":[{"text":"probably did get all these answer, but, you know, as a human","start":683.23004,"end":685.79004,"sentiment":"neutral","sentiment_score":-0.031220221271117527}],"sentiment":"neutral","sentiment_score":-0.031220221271117527,"channel":1,"num_words":12,"start":683.23004,"end":685.79004},{"sentences":[{"text":"No.","start":685.68994,"end":685.93,"sentiment":"neutral","sentiment_score":-0.07158314436674118}],"sentiment":"neutral","sentiment_score":-0.07158314436674118,"channel":0,"num_words":1,"start":685.68994,"end":685.93},{"sentences":[{"text":"psychology,","start":685.79004,"end":686.27,"sentiment":"neutral","sentiment_score":-0.04144313931465149}],"sentiment":"neutral","sentiment_score":-0.04144313931465149,"channel":1,"num_words":1,"start":685.79004,"end":686.27},{"sentences":[{"text":"That's okay.","start":685.93,"end":686.75,"sentiment":"neutral","sentiment_score":-0.0675220713019371}],"sentiment":"neutral","sentiment_score":-0.0675220713019371,"channel":0,"num_words":2,"start":685.93,"end":686.75},{"sentences":[{"text":"you tend to forget.","start":686.27,"end":687.25,"sentiment":"neutral","sentiment_score":-0.07050690054893494}],"sentiment":"neutral","sentiment_score":-0.07050690054893494,"channel":1,"num_words":4,"start":686.27,"end":687.25},{"sentences":[{"text":"Oh, yes.","start":687.60504,"end":688.085,"sentiment":"neutral","sentiment_score":-0.011213702149689198},{"text":"And it it it is messy, and sometimes it's good to refresh because especially in a year's time, you're like, oh, yeah.","start":688.085,"end":693.125,"sentiment":"neutral","sentiment_score":-0.010611276332796975},{"text":"And I would much rather have you calling.","start":693.125,"end":695.04504,"sentiment":"neutral","sentiment_score":0.009154985193163157},{"text":"And","start":695.04504,"end":695.54504,"sentiment":"neutral","sentiment_score":0.034838125109672546}],"sentiment":"neutral","sentiment_score":-0.004478711423210122,"channel":0,"num_words":33,"start":687.60504,"end":695.54504},{"sentences":[{"text":"Yeah.","start":695.46497,"end":695.96497,"sentiment":"neutral","sentiment_score":0.04195588454604149}],"sentiment":"neutral","sentiment_score":0.04195588454604149,"channel":1,"num_words":1,"start":695.46497,"end":695.96497},{"sentences":[{"text":"if that's every six months or three months we go through this and make sure that you have all the information and we do the right thing","start":696.16504,"end":702.48,"sentiment":"neutral","sentiment_score":0.09026185961233245}],"sentiment":"neutral","sentiment_score":0.09026185961233245,"channel":0,"num_words":27,"start":696.16504,"end":702.48},{"sentences":[{"text":"Yeah.","start":702.345,"end":702.505,"sentiment":"neutral","sentiment_score":0.10766847431659698}],"sentiment":"neutral","sentiment_score":0.10766847431659698,"channel":1,"num_words":1,"start":702.345,"end":702.505},{"sentences":[{"text":"for","start":702.48,"end":702.72,"sentiment":"neutral","sentiment_score":0.1284748762845993}],"sentiment":"neutral","sentiment_score":0.1284748762845993,"channel":0,"num_words":1,"start":702.48,"end":702.72},{"sentences":[{"text":"Yeah.","start":702.505,"end":703.005,"sentiment":"neutral","sentiment_score":0.17597398161888125}],"sentiment":"neutral","sentiment_score":0.17597398161888125,"channel":1,"num_words":1,"start":702.505,"end":703.005},{"sentences":[{"text":"you and your kids, that's fine.","start":702.72,"end":704.74,"sentiment":"neutral","sentiment_score":0.2739238267143567},{"text":"You","start":704.95996,"end":705.12,"sentiment":"neutral","sentiment_score":0.11513152718544006}],"sentiment":"neutral","sentiment_score":0.25123921249594006,"channel":0,"num_words":7,"start":702.72,"end":705.12},{"sentences":[{"text":"Yep.","start":705.06,"end":705.56,"sentiment":"neutral","sentiment_score":0.08796330541372299}],"sentiment":"neutral","sentiment_score":0.08796330541372299,"channel":1,"num_words":1,"start":705.06,"end":705.56},{"sentences":[{"text":"know?","start":705.12,"end":705.36,"sentiment":"neutral","sentiment_score":0.0306272953748703},{"text":"Rather that way, then you forget and then do something","start":705.36,"end":707.92,"sentiment":"neutral","sentiment_score":-0.087386429682374}],"sentiment":"neutral","sentiment_score":-0.07665790922262451,"channel":0,"num_words":11,"start":705.12,"end":707.92},{"sentences":[{"text":"Correct.","start":707.7,"end":708.2,"sentiment":"neutral","sentiment_score":-0.03945380449295044}],"sentiment":"neutral","sentiment_score":-0.03945380449295044,"channel":1,"num_words":1,"start":707.7,"end":708.2},{"sentences":[{"text":"completely different.","start":707.92,"end":708.8,"sentiment":"neutral","sentiment_score":-0.08331699669361115}],"sentiment":"neutral","sentiment_score":-0.08331699669361115,"channel":0,"num_words":2,"start":707.92,"end":708.8},{"sentences":[{"text":"Yeah.","start":708.34,"end":708.84,"sentiment":"neutral","sentiment_score":-0.04302419349551201}],"sentiment":"neutral","sentiment_score":-0.04302419349551201,"channel":1,"num_words":1,"start":708.34,"end":708.84},{"sentences":[{"text":"And then I'm like, no.","start":708.8,"end":710.1,"sentiment":"neutral","sentiment_score":-0.11581633314490318},{"text":"Why did we do that?","start":710.48,"end":711.62,"sentiment":"neutral","sentiment_score":-0.20858241617679596}],"sentiment":"neutral","sentiment_score":-0.16219937466084958,"channel":0,"num_words":10,"start":708.8,"end":711.62},{"sentences":[{"text":"No.","start":711.7,"end":712.02,"sentiment":"neutral","sentiment_score":-0.1770903766155243},{"text":"Absolutely.","start":712.02,"end":712.52,"sentiment":"neutral","sentiment_score":-0.06528190523386002}],"sentiment":"neutral","sentiment_score":-0.12118614092469215,"channel":1,"num_words":2,"start":711.7,"end":712.52},{"sentences":[{"text":"So","start":712.56,"end":713.06,"sentiment":"neutral","sentiment_score":-0.048998281359672546}],"sentiment":"neutral","sentiment_score":-0.048998281359672546,"channel":0,"num_words":1,"start":712.56,"end":713.06},{"sentences":[{"text":"Yeah.","start":712.58,"end":712.82,"sentiment":"neutral","sentiment_score":-0.04588838294148445},{"text":"No.","start":712.82,"end":713.06,"sentiment":"neutral","sentiment_score":-0.10381513833999634},{"text":"Makes","start":713.06,"end":713.22003,"sentiment":"neutral","sentiment_score":-0.02718614786863327}],"sentiment":"neutral","sentiment_score":-0.05896322305003802,"channel":1,"num_words":3,"start":712.58,"end":713.22003},{"sentences":[{"text":"that","start":713.12,"end":713.27997,"sentiment":"neutral","sentiment_score":-0.05194229632616043}],"sentiment":"neutral","sentiment_score":-0.05194229632616043,"channel":0,"num_words":1,"start":713.12,"end":713.27997},{"sentences":[{"text":"sense.","start":713.22003,"end":713.46,"sentiment":"neutral","sentiment_score":-0.08209146559238434}],"sentiment":"neutral","sentiment_score":-0.08209146559238434,"channel":1,"num_words":1,"start":713.22003,"end":713.46},{"sentences":[{"text":"is","start":713.27997,"end":713.77997,"sentiment":"neutral","sentiment_score":-0.012967252172529696}],"sentiment":"neutral","sentiment_score":-0.012967252172529696,"channel":0,"num_words":1,"start":713.27997,"end":713.77997},{"sentences":[{"text":"Makes sense.","start":713.46,"end":713.78,"sentiment":"neutral","sentiment_score":-0.012481139972805977},{"text":"And","start":713.78,"end":714.02,"sentiment":"neutral","sentiment_score":-0.025230053812265396}],"sentiment":"neutral","sentiment_score":-0.01673077791929245,"channel":1,"num_words":3,"start":713.46,"end":714.02},{"sentences":[{"text":"that","start":713.92,"end":714.16,"sentiment":"neutral","sentiment_score":-0.03468203544616699}],"sentiment":"neutral","sentiment_score":-0.03468203544616699,"channel":0,"num_words":1,"start":713.92,"end":714.16},{"sentences":[{"text":"and","start":714.02,"end":714.18,"sentiment":"neutral","sentiment_score":-0.037019211798906326}],"sentiment":"neutral","sentiment_score":-0.037019211798906326,"channel":1,"num_words":1,"start":714.02,"end":714.18},{"sentences":[{"text":"is","start":714.16,"end":714.48,"sentiment":"neutral","sentiment_score":-0.01975911855697632}],"sentiment":"neutral","sentiment_score":-0.01975911855697632,"channel":0,"num_words":1,"start":714.16,"end":714.48},{"sentences":[{"text":"and but, obviously, so","start":714.18,"end":715.22003,"sentiment":"neutral","sentiment_score":-0.03516092011705041}],"sentiment":"neutral","sentiment_score":-0.03516092011705041,"channel":1,"num_words":4,"start":714.18,"end":715.22003},{"sentences":[{"text":"yeah.","start":715.12,"end":715.62,"sentiment":"neutral","sentiment_score":-0.04709268361330032}],"sentiment":"neutral","sentiment_score":-0.04709268361330032,"channel":0,"num_words":1,"start":715.12,"end":715.62},{"sentences":[{"text":"many other things, right, financially,","start":715.22003,"end":717.08,"sentiment":"neutral","sentiment_score":-0.03951008170843125}],"sentiment":"neutral","sentiment_score":-0.03951008170843125,"channel":1,"num_words":5,"start":715.22003,"end":717.08},{"sentences":[{"text":"Yes.","start":716.88495,"end":717.38495,"sentiment":"neutral","sentiment_score":-0.06162869930267334}],"sentiment":"neutral","sentiment_score":-0.06162869930267334,"channel":0,"num_words":1,"start":716.88495,"end":717.38495},{"sentences":[{"text":"so you tend to lose track of things.","start":717.22003,"end":719.115,"sentiment":"neutral","sentiment_score":-0.23113351594656706}],"sentiment":"neutral","sentiment_score":-0.23113351594656706,"channel":1,"num_words":8,"start":717.22003,"end":719.115},{"sentences":[{"text":"Yes.","start":719.045,"end":719.545,"sentiment":"neutral","sentiment_score":0.009945176541805267}],"sentiment":"neutral","sentiment_score":0.009945176541805267,"channel":0,"num_words":1,"start":719.045,"end":719.545},{"sentences":[{"text":"Yeah.","start":719.195,"end":719.675,"sentiment":"neutral","sentiment_score":0.16254597902297974},{"text":"Absolutely.","start":719.675,"end":720.175,"sentiment":"positive","sentiment_score":0.4450006484985352}],"sentiment":"neutral","sentiment_score":0.30377331376075745,"channel":1,"num_words":2,"start":719.195,"end":720.175},{"sentences":[{"text":"And it is good that you have the the regular contribution plan.","start":719.845,"end":723.365,"sentiment":"positive","sentiment_score":0.6919027293721834},{"text":"I think that is one of the best way.","start":723.365,"end":725.125,"sentiment":"positive","sentiment_score":0.6106680896547105},{"text":"Because one, it comes out automatically.","start":725.125,"end":726.82495,"sentiment":"positive","sentiment_score":0.48039957880973816},{"text":"You don't have","start":726.88495,"end":727.365,"sentiment":"neutral","sentiment_score":0.11783879746993382}],"sentiment":"positive","sentiment_score":0.5678253141542275,"channel":0,"num_words":30,"start":719.845,"end":727.365},{"sentences":[{"text":"Yeah.","start":727.27496,"end":727.675,"sentiment":"neutral","sentiment_score":0.04174778610467911}],"sentiment":"neutral","sentiment_score":0.04174778610467911,"channel":1,"num_words":1,"start":727.27496,"end":727.675},{"sentences":[{"text":"to think","start":727.365,"end":727.76495,"sentiment":"neutral","sentiment_score":-0.002081494778394699}],"sentiment":"neutral","sentiment_score":-0.002081494778394699,"channel":0,"num_words":2,"start":727.365,"end":727.76495},{"sentences":[{"text":"You don't","start":727.675,"end":727.995,"sentiment":"neutral","sentiment_score":0.026606544852256775}],"sentiment":"neutral","sentiment_score":0.026606544852256775,"channel":1,"num_words":2,"start":727.675,"end":727.995},{"sentences":[{"text":"about","start":727.76495,"end":728.00494,"sentiment":"neutral","sentiment_score":0.04464339837431908}],"sentiment":"neutral","sentiment_score":0.04464339837431908,"channel":0,"num_words":1,"start":727.76495,"end":728.00494},{"sentences":[{"text":"have","start":727.995,"end":728.15497,"sentiment":"neutral","sentiment_score":0.1100398451089859}],"sentiment":"neutral","sentiment_score":0.1100398451089859,"channel":1,"num_words":1,"start":727.995,"end":728.15497},{"sentences":[{"text":"it.","start":728.00494,"end":728.4,"sentiment":"neutral","sentiment_score":0.14010219275951383}],"sentiment":"neutral","sentiment_score":0.14010219275951383,"channel":0,"num_words":1,"start":728.00494,"end":728.4},{"sentences":[{"text":"to do it.","start":728.15497,"end":728.555,"sentiment":"neutral","sentiment_score":0.12881076335906982},{"text":"Exactly.","start":728.555,"end":729.035,"sentiment":"neutral","sentiment_score":0.19581308960914612},{"text":"Yeah.","start":729.035,"end":729.27496,"sentiment":"neutral","sentiment_score":0.1908988356590271},{"text":"Yeah.","start":729.27496,"end":729.77496,"sentiment":"neutral","sentiment_score":0.2011718153953552}],"sentiment":"neutral","sentiment_score":0.16238600512345633,"channel":1,"num_words":6,"start":728.15497,"end":729.77496},{"sentences":[{"text":"Correct.","start":729.44,"end":729.94,"sentiment":"neutral","sentiment_score":0.30288413166999817},{"text":"And it also takes advantage of all the ups and downs in the market because it's near impossible to kinda time when it's","start":730.0,"end":736.66003,"sentiment":"neutral","sentiment_score":0.13703953782501427}],"sentiment":"neutral","sentiment_score":0.14394972923522195,"channel":0,"num_words":24,"start":729.44,"end":736.66003},{"sentences":[{"text":"Yeah.","start":736.26,"end":736.76,"sentiment":"neutral","sentiment_score":0.11025474965572356}],"sentiment":"neutral","sentiment_score":0.11025474965572356,"channel":1,"num_words":1,"start":736.26,"end":736.76},{"sentences":[{"text":"the best time.","start":736.72003,"end":737.62,"sentiment":"neutral","sentiment_score":0.15414054691791534},{"text":"But doing it regular means that sometimes you're buying when the prices is a little bit high.","start":737.68005,"end":741.36005,"sentiment":"neutral","sentiment_score":0.1505619804648792},{"text":"Sometimes you're buying at the bottom, which is great.","start":741.36005,"end":743.415,"sentiment":"positive","sentiment_score":0.39133071568277145},{"text":"So it kind","start":743.415,"end":743.815,"sentiment":"positive","sentiment_score":0.368010272582372}],"sentiment":"neutral","sentiment_score":0.2389994552358985,"channel":0,"num_words":32,"start":736.72003,"end":743.815},{"sentences":[{"text":"Yep.","start":743.78,"end":744.28,"sentiment":"positive","sentiment_score":0.4124337434768677}],"sentiment":"positive","sentiment_score":0.4124337434768677,"channel":1,"num_words":1,"start":743.78,"end":744.28},{"sentences":[{"text":"of evens that out by doing it regular for you as well.","start":743.815,"end":747.27496,"sentiment":"positive","sentiment_score":0.39153702805439633}],"sentiment":"positive","sentiment_score":0.39153702805439633,"channel":0,"num_words":12,"start":743.815,"end":747.27496},{"sentences":[{"text":"Yep.","start":747.54,"end":748.04,"sentiment":"neutral","sentiment_score":0.310545951128006},{"text":"Great.","start":748.58,"end":749.08,"sentiment":"positive","sentiment_score":0.5914760828018188},{"text":"Alright.","start":749.525,"end":750.025,"sentiment":"positive","sentiment_score":0.39814990758895874},{"text":"So now tell me, I'm keen to make additional contribution for obviously, a bulk contribution because in the first year, there's no limit to it.","start":750.405,"end":758.48505,"sentiment":"neutral","sentiment_score":0.31381831884384154},{"text":"I think I initially set up $10,000 and then $2.50.","start":758.48505,"end":761.60004,"sentiment":"neutral","sentiment_score":0.20868446081876754}],"sentiment":"neutral","sentiment_score":0.29559143475796046,"channel":1,"num_words":38,"start":747.54,"end":761.60004},{"sentences":[{"text":"I'm just checking","start":761.60004,"end":762.32,"sentiment":"neutral","sentiment_score":0.1469568063815435}],"sentiment":"neutral","sentiment_score":0.1469568063815435,"channel":1,"num_words":3,"start":761.60004,"end":762.32},{"sentences":[{"text":"Yes.","start":762.31,"end":762.81,"sentiment":"neutral","sentiment_score":0.1457379162311554}],"sentiment":"neutral","sentiment_score":0.1457379162311554,"channel":0,"num_words":1,"start":762.31,"end":762.81},{"sentences":[{"text":"for both my child.","start":762.32,"end":763.62006,"sentiment":"neutral","sentiment_score":0.15920700505375862},{"text":"$1.05 $8.07 and $8.06.","start":764.72003,"end":769.06006,"sentiment":"neutral","sentiment_score":0.08299269154667854},{"text":"Yeah.","start":771.04004,"end":771.2,"sentiment":"neutral","sentiment_score":0.13195356726646423},{"text":"I I think that's it's the same amount, $10,002.50.","start":771.2,"end":774.175,"sentiment":"neutral","sentiment_score":0.19007867243554857},{"text":"Can","start":774.555,"end":774.95496,"sentiment":"neutral","sentiment_score":0.14046669006347656}],"sentiment":"neutral","sentiment_score":0.15536458398166456,"channel":1,"num_words":19,"start":762.32,"end":774.95496},{"sentences":[{"text":"Yep.","start":774.565,"end":775.065,"sentiment":"neutral","sentiment_score":0.19847986102104187}],"sentiment":"neutral","sentiment_score":0.19847986102104187,"channel":0,"num_words":1,"start":774.565,"end":775.065},{"sentences":[{"text":"I what is your recommendation in terms of making additional bulk contribution right now?","start":774.95496,"end":780.975,"sentiment":"neutral","sentiment_score":0.19769127879823958},{"text":"And","start":781.355,"end":781.83496,"sentiment":"neutral","sentiment_score":0.1300826072692871}],"sentiment":"neutral","sentiment_score":0.19318403402964274,"channel":1,"num_words":15,"start":774.95496,"end":781.83496},{"sentences":[{"text":"I think","start":781.46,"end":782.28,"sentiment":"neutral","sentiment_score":0.16660679876804352}],"sentiment":"neutral","sentiment_score":0.16660679876804352,"channel":0,"num_words":2,"start":781.46,"end":782.28},{"sentences":[{"text":"do you","start":781.83496,"end":782.15497,"sentiment":"neutral","sentiment_score":0.14934221655130386}],"sentiment":"neutral","sentiment_score":0.14934221655130386,"channel":1,"num_words":2,"start":781.83496,"end":782.15497},{"sentences":[{"text":"yeah.","start":782.98004,"end":783.48004,"sentiment":"neutral","sentiment_score":0.14612054824829102},{"text":"So in order for me to make an official recommendation, I have to do it through a statement of advice because it is personal advice.","start":783.54004,"end":791.56,"sentiment":"neutral","sentiment_score":0.07688318133354187},{"text":"From a general point of view is if you have additional money at the moment that you want to, obviously, make sure it does a bit more for your children, with everything going on in the market at the moment, it's not necessarily a bad time as long as the investments are correct because prices and things in some areas are down.","start":792.9,"end":817.2,"sentiment":"neutral","sentiment_score":0.16721621459169733},{"text":"So it's not a bad thing, especially if it's a long term investment because historically speaking as well, the market always go goes up","start":817.58,"end":826.255,"sentiment":"positive","sentiment_score":0.5049316957592964}],"sentiment":"neutral","sentiment_score":0.2192318400401356,"channel":0,"num_words":112,"start":782.98004,"end":826.255},{"sentences":[{"text":"Yep.","start":826.2,"end":826.395,"sentiment":"positive","sentiment_score":0.3813539445400238}],"sentiment":"positive","sentiment_score":0.3813539445400238,"channel":1,"num_words":1,"start":826.2,"end":826.395},{"sentences":[{"text":"as long as","start":826.255,"end":826.815,"sentiment":"positive","sentiment_score":0.43430620431900024}],"sentiment":"positive","sentiment_score":0.43430620431900024,"channel":0,"num_words":3,"start":826.255,"end":826.815},{"sentences":[{"text":"Yep.","start":826.79504,"end":827.29504,"sentiment":"positive","sentiment_score":0.4025492370128632}],"sentiment":"positive","sentiment_score":0.4025492370128632,"channel":1,"num_words":1,"start":826.79504,"end":827.29504},{"sentences":[{"text":"there's no fundamental issues with the investment itself.","start":826.815,"end":829.795,"sentiment":"neutral","sentiment_score":0.28757222555577755},{"text":"So it's not a bad thing, especially if it's a long term investment.","start":830.735,"end":834.195,"sentiment":"positive","sentiment_score":0.5960382131429819}],"sentiment":"positive","sentiment_score":0.4785273607288088,"channel":0,"num_words":21,"start":826.815,"end":834.195},{"sentences":[{"text":"Yep.","start":834.555,"end":835.055,"sentiment":"positive","sentiment_score":0.35332831740379333}],"sentiment":"positive","sentiment_score":0.35332831740379333,"channel":1,"num_words":1,"start":834.555,"end":835.055},{"sentences":[{"text":"The other kind of side of it would be like, okay.","start":834.65497,"end":837.455,"sentiment":"neutral","sentiment_score":0.09364527870308269},{"text":"Well, what are your other goals?","start":837.455,"end":839.07,"sentiment":"neutral","sentiment_score":0.06889657614131768},{"text":"What else are you trying to achieve?","start":839.07,"end":840.58997,"sentiment":"neutral","sentiment_score":0.1320629662701062},{"text":"And if","start":840.58997,"end":841.15,"sentiment":"neutral","sentiment_score":0.01019730046391487}],"sentiment":"neutral","sentiment_score":0.09185818797693802,"channel":0,"num_words":26,"start":834.65497,"end":841.15},{"sentences":[{"text":"Yeah.","start":841.115,"end":841.47,"sentiment":"neutral","sentiment_score":0.016140790656208992}],"sentiment":"neutral","sentiment_score":0.016140790656208992,"channel":1,"num_words":1,"start":841.115,"end":841.47},{"sentences":[{"text":"by putting a lump sum into this, does that impact other things?","start":841.15,"end":844.85,"sentiment":"neutral","sentiment_score":0.013614977709949017},{"text":"But","start":845.15,"end":845.31,"sentiment":"neutral","sentiment_score":0.06804870814085007}],"sentiment":"neutral","sentiment_score":0.017802187743095253,"channel":0,"num_words":13,"start":841.15,"end":845.31},{"sentences":[{"text":"Yep.","start":845.23,"end":845.73,"sentiment":"neutral","sentiment_score":0.03856358677148819}],"sentiment":"neutral","sentiment_score":0.03856358677148819,"channel":1,"num_words":1,"start":845.23,"end":845.73},{"sentences":[{"text":"in terms of from simplicity, should you put more money in if you have the capacity to do so and it doesn't","start":845.31,"end":852.635,"sentiment":"neutral","sentiment_score":0.10105003281073137}],"sentiment":"neutral","sentiment_score":0.10105003281073137,"channel":0,"num_words":22,"start":845.31,"end":852.635},{"sentences":[{"text":"Yep.","start":852.35,"end":852.85,"sentiment":"neutral","sentiment_score":-0.004539616405963898}],"sentiment":"neutral","sentiment_score":-0.004539616405963898,"channel":1,"num_words":1,"start":852.35,"end":852.85},{"sentences":[{"text":"impact other goals for","start":852.635,"end":855.035,"sentiment":"neutral","sentiment_score":0.06586483865976334}],"sentiment":"neutral","sentiment_score":0.06586483865976334,"channel":0,"num_words":4,"start":852.635,"end":855.035},{"sentences":[{"text":"Yep.","start":854.82996,"end":855.32996,"sentiment":"neutral","sentiment_score":0.12465213239192964}],"sentiment":"neutral","sentiment_score":0.12465213239192964,"channel":1,"num_words":1,"start":854.82996,"end":855.32996},{"sentences":[{"text":"you,","start":855.035,"end":855.535,"sentiment":"neutral","sentiment_score":0.13883134722709656}],"sentiment":"neutral","sentiment_score":0.13883134722709656,"channel":0,"num_words":1,"start":855.035,"end":855.535},{"sentences":[{"text":"Got","start":855.79,"end":856.215,"sentiment":"positive","sentiment_score":0.5452038049697876}],"sentiment":"positive","sentiment_score":0.5452038049697876,"channel":1,"num_words":1,"start":855.79,"end":856.215},{"sentences":[{"text":"it is a very tax effective way to do it.","start":856.235,"end":858.39496,"sentiment":"positive","sentiment_score":0.6245704412460327},{"text":"Does","start":858.39496,"end":858.635,"sentiment":"neutral","sentiment_score":0.2220093011856079}],"sentiment":"positive","sentiment_score":0.5879739739678123,"channel":0,"num_words":11,"start":856.235,"end":858.635},{"sentences":[{"text":"it.","start":858.61505,"end":858.775,"sentiment":"neutral","sentiment_score":0.2657606601715088}],"sentiment":"neutral","sentiment_score":0.2657606601715088,"channel":1,"num_words":1,"start":858.61505,"end":858.775},{"sentences":[{"text":"that","start":858.635,"end":858.795,"sentiment":"neutral","sentiment_score":0.23786413669586184}],"sentiment":"neutral","sentiment_score":0.23786413669586184,"channel":0,"num_words":1,"start":858.635,"end":858.795},{"sentences":[{"text":"Got","start":858.775,"end":859.015,"sentiment":"neutral","sentiment_score":0.250896155834198}],"sentiment":"neutral","sentiment_score":0.250896155834198,"channel":1,"num_words":1,"start":858.775,"end":859.015},{"sentences":[{"text":"make","start":858.795,"end":859.035,"sentiment":"neutral","sentiment_score":0.23829132318496704}],"sentiment":"neutral","sentiment_score":0.23829132318496704,"channel":0,"num_words":1,"start":858.795,"end":859.035},{"sentences":[{"text":"it.","start":859.015,"end":859.335,"sentiment":"neutral","sentiment_score":0.1808430701494217}],"sentiment":"neutral","sentiment_score":0.1808430701494217,"channel":1,"num_words":1,"start":859.015,"end":859.335},{"sentences":[{"text":"sense?","start":859.035,"end":859.535,"sentiment":"neutral","sentiment_score":0.1305898874998093}],"sentiment":"neutral","sentiment_score":0.1305898874998093,"channel":0,"num_words":1,"start":859.035,"end":859.535},{"sentences":[{"text":"Yeah.","start":859.335,"end":859.49506,"sentiment":"neutral","sentiment_score":0.17207136750221252},{"text":"Yeah.","start":859.49506,"end":859.655,"sentiment":"neutral","sentiment_score":0.1610775887966156},{"text":"And then I'm assuming yeah.","start":859.655,"end":861.49506,"sentiment":"neutral","sentiment_score":0.12355604022741318},{"text":"The the obviously, the markets are low, so the number of units purchased would be higher to the amount contributed.","start":861.49506,"end":867.195,"sentiment":"neutral","sentiment_score":0.1127845762297511},{"text":"So there's","start":867.255,"end":867.73505,"sentiment":"neutral","sentiment_score":0.17804092168807983}],"sentiment":"neutral","sentiment_score":0.12285181122093365,"channel":1,"num_words":29,"start":859.335,"end":867.73505},{"sentences":[{"text":"Yes.","start":867.60004,"end":868.10004,"sentiment":"neutral","sentiment_score":0.3010977804660797}],"sentiment":"neutral","sentiment_score":0.3010977804660797,"channel":0,"num_words":1,"start":867.60004,"end":868.10004},{"sentences":[{"text":"a better ROI in that sense.","start":867.73505,"end":869.37,"sentiment":"positive","sentiment_score":0.34613723556200665}],"sentiment":"positive","sentiment_score":0.34613723556200665,"channel":1,"num_words":6,"start":867.73505,"end":869.37},{"sentences":[{"text":"Exactly.","start":869.84,"end":870.34,"sentiment":"neutral","sentiment_score":0.16150158643722534},{"text":"So, obviously, things are which is actually the documents.","start":870.48,"end":873.14,"sentiment":"neutral","sentiment_score":0.01983237411412928},{"text":"So","start":873.28,"end":873.78,"sentiment":"neutral","sentiment_score":-0.0016976110637187958}],"sentiment":"neutral","sentiment_score":0.03075412203642455,"channel":0,"num_words":11,"start":869.84,"end":873.78},{"sentences":[{"text":"Yeah?","start":873.75,"end":874.25,"sentiment":"neutral","sentiment_score":0.0006633596494793892}],"sentiment":"neutral","sentiment_score":0.0006633596494793892,"channel":1,"num_words":1,"start":873.75,"end":874.25},{"sentences":[{"text":"do you have access to your emails at the moment?","start":874.4,"end":876.98,"sentiment":"neutral","sentiment_score":0.00031576426699757575}],"sentiment":"neutral","sentiment_score":0.00031576426699757575,"channel":0,"num_words":10,"start":874.4,"end":876.98},{"sentences":[{"text":"Yeah.","start":876.79,"end":877.18994,"sentiment":"neutral","sentiment_score":0.03507573530077934},{"text":"Yeah.","start":877.18994,"end":877.50995,"sentiment":"neutral","sentiment_score":0.05168991535902023},{"text":"I've just got I've just opened the email","start":877.50995,"end":879.68994,"sentiment":"neutral","sentiment_score":0.08832180313766003}],"sentiment":"neutral","sentiment_score":0.07933400757610798,"channel":1,"num_words":10,"start":876.79,"end":879.68994},{"sentences":[{"text":"Yep.","start":879.895,"end":880.395,"sentiment":"neutral","sentiment_score":0.1446661353111267}],"sentiment":"neutral","sentiment_score":0.1446661353111267,"channel":0,"num_words":1,"start":879.895,"end":880.395},{"sentences":[{"text":"and","start":879.99,"end":880.49,"sentiment":"neutral","sentiment_score":0.13870131969451904}],"sentiment":"neutral","sentiment_score":0.13870131969451904,"channel":1,"num_words":1,"start":879.99,"end":880.49},{"sentences":[{"text":"Perfect.","start":880.455,"end":880.955,"sentiment":"neutral","sentiment_score":0.3143230080604553}],"sentiment":"neutral","sentiment_score":0.3143230080604553,"channel":0,"num_words":1,"start":880.455,"end":880.955},{"sentences":[{"text":"the","start":880.975,"end":881.475,"sentiment":"neutral","sentiment_score":0.0643097311258316}],"sentiment":"neutral","sentiment_score":0.0643097311258316,"channel":1,"num_words":1,"start":880.975,"end":881.475},{"sentences":[{"text":"So we have","start":883.09503,"end":884.235,"sentiment":"neutral","sentiment_score":0.053645115345716476}],"sentiment":"neutral","sentiment_score":0.053645115345716476,"channel":0,"num_words":3,"start":883.09503,"end":884.235},{"sentences":[{"text":"document.","start":884.175,"end":884.675,"sentiment":"neutral","sentiment_score":0.08588126301765442}],"sentiment":"neutral","sentiment_score":0.08588126301765442,"channel":1,"num_words":1,"start":884.175,"end":884.675},{"sentences":[{"text":"just changed the software, so it might look a little bit different to what you are used to.","start":884.375,"end":888.47504,"sentiment":"neutral","sentiment_score":0.012144020862049527},{"text":"When you click on the email so before you click on the link so when you click on the link, it will get you to sign the document.","start":889.83,"end":896.25,"sentiment":"neutral","sentiment_score":0.04438486249585237},{"text":"Before","start":896.79004,"end":897.19,"sentiment":"neutral","sentiment_score":0.019971955567598343}],"sentiment":"neutral","sentiment_score":0.031517882573794814,"channel":0,"num_words":47,"start":884.375,"end":897.19},{"sentences":[{"text":"Yep.","start":896.91003,"end":897.41003,"sentiment":"neutral","sentiment_score":0.022526172921061516}],"sentiment":"neutral","sentiment_score":0.022526172921061516,"channel":1,"num_words":1,"start":896.91003,"end":897.41003},{"sentences":[{"text":"you do that, you will see that there are a couple of attachments.","start":897.19,"end":899.85004,"sentiment":"neutral","sentiment_score":0.001623437524988101},{"text":"Can you see those?","start":901.51,"end":902.57,"sentiment":"neutral","sentiment_score":0.0051077743992209435},{"text":"Like, can","start":902.71,"end":903.03,"sentiment":"neutral","sentiment_score":0.0034433621913194656}],"sentiment":"neutral","sentiment_score":0.0025485531475983167,"channel":0,"num_words":19,"start":897.19,"end":903.03},{"sentences":[{"text":"Yeah.","start":902.91003,"end":903.31,"sentiment":"neutral","sentiment_score":0.038776762783527374}],"sentiment":"neutral","sentiment_score":0.038776762783527374,"channel":1,"num_words":1,"start":902.91003,"end":903.31},{"sentences":[{"text":"you see","start":903.03,"end":903.61005,"sentiment":"neutral","sentiment_score":0.034755803644657135}],"sentiment":"neutral","sentiment_score":0.034755803644657135,"channel":0,"num_words":2,"start":903.03,"end":903.61005},{"sentences":[{"text":"I've just got I'll open the sign document link.","start":903.31,"end":907.84503,"sentiment":"neutral","sentiment_score":0.041179230643643275},{"text":"It opens a document.","start":907.84503,"end":909.065,"sentiment":"neutral","sentiment_score":0.0488214110955596},{"text":"The first","start":909.525,"end":909.92505,"sentiment":"neutral","sentiment_score":0.027114301919937134}],"sentiment":"neutral","sentiment_score":0.04134182160099347,"channel":1,"num_words":15,"start":903.31,"end":909.92505},{"sentences":[{"text":"yep.","start":909.83496,"end":910.33496,"sentiment":"neutral","sentiment_score":0.03453326225280762}],"sentiment":"neutral","sentiment_score":0.03453326225280762,"channel":0,"num_words":1,"start":909.83496,"end":910.33496},{"sentences":[{"text":"one, it says consent to new ongoing fees arrangement.","start":909.92505,"end":913.305,"sentiment":"neutral","sentiment_score":0.034576105781727366}],"sentiment":"neutral","sentiment_score":0.034576105781727366,"channel":1,"num_words":9,"start":909.92505,"end":913.305},{"sentences":[{"text":"Yeah.","start":913.595,"end":914.07495,"sentiment":"neutral","sentiment_score":0.148528054356575},{"text":"So if you just get out of that first, just so I can run through the other documents before I get you to sign anything just to make sure you're happy.","start":914.07495,"end":920.61,"sentiment":"neutral","sentiment_score":0.15399904759420502},{"text":"If you can just just before clicking on the link, if you scroll down at the bottom of the email, can you see where it says, like, Vanguard index chart and Hub","start":920.61,"end":930.29004,"sentiment":"neutral","sentiment_score":0.02174382720841095}],"sentiment":"neutral","sentiment_score":0.08778595313197002,"channel":0,"num_words":64,"start":913.595,"end":930.29004},{"sentences":[{"text":"Yeah.","start":930.29,"end":930.61,"sentiment":"neutral","sentiment_score":0.019611334428191185}],"sentiment":"neutral","sentiment_score":0.019611334428191185,"channel":1,"num_words":1,"start":930.29,"end":930.61},{"sentences":[{"text":"20","start":930.29004,"end":930.69,"sentiment":"neutral","sentiment_score":0.01193199586123228}],"sentiment":"neutral","sentiment_score":0.01193199586123228,"channel":0,"num_words":1,"start":930.29004,"end":930.69},{"sentences":[{"text":"Yeah.","start":930.61,"end":930.77,"sentiment":"neutral","sentiment_score":0.01615971326828003}],"sentiment":"neutral","sentiment_score":0.01615971326828003,"channel":1,"num_words":1,"start":930.61,"end":930.77},{"sentences":[{"text":"four?","start":930.69,"end":931.19,"sentiment":"neutral","sentiment_score":0.013800706714391708}],"sentiment":"neutral","sentiment_score":0.013800706714391708,"channel":0,"num_words":1,"start":930.69,"end":931.19},{"sentences":[{"text":"I can see those links.","start":930.77,"end":931.89,"sentiment":"neutral","sentiment_score":0.03196855001151562},{"text":"Yep.","start":931.89,"end":932.39,"sentiment":"neutral","sentiment_score":0.08590148389339447}],"sentiment":"neutral","sentiment_score":0.04095737232516209,"channel":1,"num_words":6,"start":930.77,"end":932.39},{"sentences":[{"text":"Yes.","start":931.97003,"end":932.47003,"sentiment":"neutral","sentiment_score":0.08499593287706375},{"text":"So for example, if you wanna click on the Vanguard index chart for me.","start":932.875,"end":936.49506,"sentiment":"neutral","sentiment_score":0.08296731034559864}],"sentiment":"neutral","sentiment_score":0.0831025518476963,"channel":0,"num_words":15,"start":931.97003,"end":936.49506},{"sentences":[{"text":"Yep.","start":937.545,"end":938.045,"sentiment":"neutral","sentiment_score":0.09142082929611206}],"sentiment":"neutral","sentiment_score":0.09142082929611206,"channel":1,"num_words":1,"start":937.545,"end":938.045},{"sentences":[{"text":"Let me just see.","start":938.47504,"end":939.695,"sentiment":"neutral","sentiment_score":0.06251311860978603},{"text":"Can you see that okay?","start":939.755,"end":940.97504,"sentiment":"neutral","sentiment_score":0.059378033876419066}],"sentiment":"neutral","sentiment_score":0.06077140486902661,"channel":0,"num_words":9,"start":938.47504,"end":940.97504},{"sentences":[{"text":"Yeah.","start":941.385,"end":941.785,"sentiment":"neutral","sentiment_score":0.06263438612222672},{"text":"It's hoping that it's downloading.","start":941.785,"end":943.165,"sentiment":"neutral","sentiment_score":0.0819409430027008},{"text":"Give me one sec.","start":943.545,"end":944.605,"sentiment":"neutral","sentiment_score":0.03929702611640096}],"sentiment":"neutral","sentiment_score":0.06295272056013346,"channel":1,"num_words":10,"start":941.385,"end":944.605},{"sentences":[{"text":"Yep.","start":944.97,"end":945.47,"sentiment":"neutral","sentiment_score":0.08776974678039551},{"text":"Sure.","start":956.08997,"end":956.58997,"sentiment":"neutral","sentiment_score":0.14275869727134705},{"text":"And you probably have seen something similar to this before.","start":961.145,"end":964.685,"sentiment":"neutral","sentiment_score":0.06271148659288883}],"sentiment":"neutral","sentiment_score":0.07147027583171923,"channel":0,"num_words":12,"start":944.97,"end":964.685},{"sentences":[{"text":"Yeah.","start":966.57495,"end":966.77496,"sentiment":"neutral","sentiment_score":0.057473570108413696},{"text":"I'm just opening that up.","start":966.77496,"end":968.595,"sentiment":"neutral","sentiment_score":0.06779459789395333},{"text":"Yep.","start":975.69495,"end":976.01495,"sentiment":"neutral","sentiment_score":0.07656693458557129},{"text":"I opened it.","start":976.01495,"end":976.89496,"sentiment":"neutral","sentiment_score":0.09457249442736308},{"text":"Yeah.","start":976.89496,"end":977.39496,"sentiment":"neutral","sentiment_score":0.1383536458015442}],"sentiment":"neutral","sentiment_score":0.08137132938612592,"channel":1,"num_words":11,"start":966.57495,"end":977.39496},{"sentences":[{"text":"Yep.","start":977.08,"end":977.56,"sentiment":"neutral","sentiment_score":0.26831528544425964},{"text":"Perfect.","start":977.56,"end":978.06,"sentiment":"positive","sentiment_score":0.6450367569923401},{"text":"So this is kind of a good visual way of explaining and seeing the market and seeing the ups and downs.","start":978.2,"end":984.54004,"sentiment":"positive","sentiment_score":0.5197138772124336},{"text":"So, obviously, this one here goes all the way back through 1995 and then through through 2025.","start":985.21497,"end":992.035,"sentiment":"neutral","sentiment_score":0.1661049535169321},{"text":"And it shows you as well kind of, you know, over the long term, the market always goes up.","start":992.175,"end":996.75,"sentiment":"neutral","sentiment_score":0.25932922724046203}],"sentiment":"neutral","sentiment_score":0.3318369998517683,"channel":0,"num_words":59,"start":977.08,"end":996.75},{"sentences":[{"text":"Short term, though, there are those ups and downs and market fluctuations.","start":996.99,"end":1000.37,"sentiment":"neutral","sentiment_score":-0.10315593083699544},{"text":"And sometimes you can see as well that, like, the biggest decreases in the market are quite closely followed by the market going back up again, obviously, depending on what is going on.","start":1000.99,"end":1010.85,"sentiment":"neutral","sentiment_score":-0.06791852933890892}],"sentiment":"neutral","sentiment_score":-0.07731516973839866,"channel":0,"num_words":45,"start":996.99,"end":1010.85},{"sentences":[{"text":"Mhmm.","start":1011.235,"end":1011.42,"sentiment":"neutral","sentiment_score":0.06575450301170349}],"sentiment":"neutral","sentiment_score":0.06575450301170349,"channel":1,"num_words":1,"start":1011.235,"end":1011.42},{"sentences":[{"text":"And this one here also breaks down the different asset classes.","start":1011.345,"end":1014.805,"sentiment":"neutral","sentiment_score":0.12689635428515347},{"text":"So to the right, you will see your top four.","start":1015.105,"end":1017.685,"sentiment":"neutral","sentiment_score":0.14254050701856613},{"text":"So US shares, Australian shares, international shares, and property.","start":1017.82495,"end":1021.685,"sentiment":"neutral","sentiment_score":0.07878441777494219},{"text":"Now these kind of falls into the category of we would call your growth investment.","start":1022.14496,"end":1027.47,"sentiment":"neutral","sentiment_score":0.09340188056230544}],"sentiment":"neutral","sentiment_score":0.10958562079403135,"channel":0,"num_words":45,"start":1011.345,"end":1027.47},{"sentences":[{"text":"Yep.","start":1028.635,"end":1029.135,"sentiment":"neutral","sentiment_score":0.32215678691864014}],"sentiment":"neutral","sentiment_score":0.32215678691864014,"channel":1,"num_words":1,"start":1028.635,"end":1029.135},{"sentences":[{"text":"So so they are the ones that's going to maximize that growth for you.","start":1028.97,"end":1032.51,"sentiment":"positive","sentiment_score":0.4510460900408881},{"text":"The bottom three are your defensive.","start":1032.8099,"end":1034.83,"sentiment":"neutral","sentiment_score":0.08579032992323239},{"text":"So these are a little bit more, obviously smoother as you can see, but they don't grow as much.","start":1035.05,"end":1040.43,"sentiment":"neutral","sentiment_score":0.018551677073303022}],"sentiment":"neutral","sentiment_score":0.18415048985909194,"channel":0,"num_words":39,"start":1028.97,"end":1040.43},{"sentences":[{"text":"Yep.","start":1040.55,"end":1041.05,"sentiment":"neutral","sentiment_score":0.1416364312171936}],"sentiment":"neutral","sentiment_score":0.1416364312171936,"channel":1,"num_words":1,"start":1040.55,"end":1041.05},{"sentences":[{"text":"So these are your defenses.","start":1040.635,"end":1042.255,"sentiment":"neutral","sentiment_score":0.14308781921863556},{"text":"Now with your Genlife investment portfolio that I know you set up with my colleague, Kyle, you are in a Vanguard, let me just see, head growth portfolio, I believe.","start":1043.6749,"end":1055.135,"sentiment":"neutral","sentiment_score":0.22190265953540803}],"sentiment":"neutral","sentiment_score":0.21064339663301196,"channel":0,"num_words":35,"start":1040.635,"end":1055.135},{"sentences":[{"text":"I believe so.","start":1055.605,"end":1056.165,"sentiment":"positive","sentiment_score":0.3788720965385437},{"text":"Yeah.","start":1056.165,"end":1056.665,"sentiment":"neutral","sentiment_score":0.25523489713668823}],"sentiment":"positive","sentiment_score":0.34796279668807983,"channel":1,"num_words":4,"start":1055.605,"end":1056.665},{"sentences":[{"text":"Yes.","start":1056.85,"end":1057.33,"sentiment":"neutral","sentiment_score":0.26136544346809387},{"text":"Which is kind of aiming for around a eighty twenty split.","start":1057.33,"end":1061.35,"sentiment":"neutral","sentiment_score":0.2127084738828919},{"text":"So about 80% typically in those top four and about 20 in the bottom because you do have obviously time until, you know, at least that ten years until you wanna give it to your children or whenever you decide that you would like to give it to them.","start":1061.57,"end":1077.195,"sentiment":"neutral","sentiment_score":0.16944523657463034},{"text":"So it is a, you know, a good time frame to do that.","start":1077.415,"end":1080.5549,"sentiment":"neutral","sentiment_score":0.2883859414320726}],"sentiment":"neutral","sentiment_score":0.19801341198586128,"channel":0,"num_words":74,"start":1056.85,"end":1080.5549},{"sentences":[{"text":"Yeah.","start":1081.3099,"end":1081.395,"sentiment":"neutral","sentiment_score":0.09942653775215148}],"sentiment":"neutral","sentiment_score":0.09942653775215148,"channel":1,"num_words":1,"start":1081.3099,"end":1081.395},{"sentences":[{"text":"Now the next two attachments that I can see here is your Genlife portfolio per service port.","start":1082.15,"end":1092.39,"sentiment":"neutral","sentiment_score":0.05959195008172708},{"text":"Sorry.","start":1092.39,"end":1092.89,"sentiment":"neutral","sentiment_score":0.002017725259065628},{"text":"Can you see those?","start":1093.83,"end":1094.97,"sentiment":"neutral","sentiment_score":0.00417194957844913}],"sentiment":"neutral","sentiment_score":0.04689857613464648,"channel":0,"num_words":22,"start":1082.15,"end":1094.97},{"sentences":[{"text":"Yeah.","start":1095.0751,"end":1095.475,"sentiment":"neutral","sentiment_score":0.034331366419792175}],"sentiment":"neutral","sentiment_score":0.034331366419792175,"channel":1,"num_words":1,"start":1095.0751,"end":1095.475},{"sentences":[{"text":"They're","start":1095.19,"end":1095.51,"sentiment":"neutral","sentiment_score":0.03745299205183983}],"sentiment":"neutral","sentiment_score":0.03745299205183983,"channel":0,"num_words":1,"start":1095.19,"end":1095.51},{"sentences":[{"text":"Two","start":1095.475,"end":1095.715,"sentiment":"neutral","sentiment_score":0.03779858350753784}],"sentiment":"neutral","sentiment_score":0.03779858350753784,"channel":1,"num_words":1,"start":1095.475,"end":1095.715},{"sentences":[{"text":"just","start":1095.51,"end":1095.99,"sentiment":"neutral","sentiment_score":0.03083212673664093}],"sentiment":"neutral","sentiment_score":0.03083212673664093,"channel":0,"num_words":1,"start":1095.51,"end":1095.99},{"sentences":[{"text":"of them.","start":1095.715,"end":1096.11,"sentiment":"neutral","sentiment_score":0.041316600516438484},{"text":"Yep.","start":1096.35,"end":1096.85,"sentiment":"neutral","sentiment_score":0.13140860199928284}],"sentiment":"neutral","sentiment_score":0.0713472676773866,"channel":1,"num_words":3,"start":1095.715,"end":1096.85},{"sentences":[{"text":"exactly which is just your generation life.","start":1096.995,"end":1099.415,"sentiment":"neutral","sentiment_score":0.13849443197250366},{"text":"You can see that, obviously, it's a child build up bond, investment bond.","start":1099.795,"end":1104.775,"sentiment":"neutral","sentiment_score":0.11203921758211575},{"text":"You can also see your Vanguard growth portfolio there.","start":1105.555,"end":1109.3151,"sentiment":"neutral","sentiment_score":0.09769230749871996},{"text":"You can see your closing balance at the moment.","start":1109.3151,"end":1113.05,"sentiment":"neutral","sentiment_score":0.10342308382193248},{"text":"So at the moment, you have 13,568 and 85¢.","start":1113.1901,"end":1119.21,"sentiment":"neutral","sentiment_score":0.0935288779437542}],"sentiment":"neutral","sentiment_score":0.10835305212632469,"channel":0,"num_words":47,"start":1096.995,"end":1119.21},{"sentences":[{"text":"And then you can see the total after tax performance.","start":1119.83,"end":1123.37,"sentiment":"neutral","sentiment_score":0.08018791079521179},{"text":"So that is still at 6.25 despite everything going on in the market, which is not bad given the last twelve months have seen a bit of a fluctuation.","start":1124.255,"end":1133.5549,"sentiment":"neutral","sentiment_score":0.07549339224552286}],"sentiment":"neutral","sentiment_score":0.0766971149505713,"channel":0,"num_words":39,"start":1119.83,"end":1133.5549},{"sentences":[{"text":"Yeah.","start":1134.15,"end":1134.65,"sentiment":"neutral","sentiment_score":0.09781212359666824}],"sentiment":"neutral","sentiment_score":0.09781212359666824,"channel":1,"num_words":1,"start":1134.15,"end":1134.65},{"sentences":[{"text":"So that's those for you.","start":1135.0549,"end":1136.995,"sentiment":"neutral","sentiment_score":0.11212874203920364},{"text":"Now the next one is your hub twenty four portfolio report.","start":1137.39,"end":1143.0701,"sentiment":"neutral","sentiment_score":0.09186946194280278},{"text":"Can you see that okay?","start":1143.0701,"end":1144.37,"sentiment":"neutral","sentiment_score":0.08085970133543015}],"sentiment":"neutral","sentiment_score":0.0940717284878095,"channel":0,"num_words":21,"start":1135.0549,"end":1144.37},{"sentences":[{"text":"Have twenty four twenty twelve month IRR.","start":1144.965,"end":1147.68,"sentiment":"neutral","sentiment_score":0.07072793213384491}],"sentiment":"neutral","sentiment_score":0.07072793213384491,"channel":1,"num_words":7,"start":1144.965,"end":1147.68},{"sentences":[{"text":"Yes.","start":1148.11,"end":1148.61,"sentiment":"neutral","sentiment_score":0.05481265112757683}],"sentiment":"neutral","sentiment_score":0.05481265112757683,"channel":0,"num_words":1,"start":1148.11,"end":1148.61},{"sentences":[{"text":"Yeah?","start":1148.16,"end":1148.66,"sentiment":"neutral","sentiment_score":0.050441984087228775}],"sentiment":"neutral","sentiment_score":0.050441984087228775,"channel":1,"num_words":1,"start":1148.16,"end":1148.66},{"sentences":[{"text":"Now this one here is probably the one that looks the messiest.","start":1148.99,"end":1152.77,"sentiment":"neutral","sentiment_score":0.04860973063235482},{"text":"But this one essentially shows you your hub twenty four investment over the last twelve","start":1154.085,"end":1159.605,"sentiment":"neutral","sentiment_score":0.05831205546855926}],"sentiment":"neutral","sentiment_score":0.05399991109691284,"channel":0,"num_words":27,"start":1148.99,"end":1159.605},{"sentences":[{"text":"Okay.","start":1159.6001,"end":1160.1001,"sentiment":"neutral","sentiment_score":0.02699868381023407}],"sentiment":"neutral","sentiment_score":0.02699868381023407,"channel":1,"num_words":1,"start":1159.6001,"end":1160.1001},{"sentences":[{"text":"months.","start":1159.605,"end":1160.085,"sentiment":"neutral","sentiment_score":0.03263019025325775},{"text":"Now this is all after fees as well.","start":1160.085,"end":1162.905,"sentiment":"neutral","sentiment_score":0.026982252951711416}],"sentiment":"neutral","sentiment_score":0.02760980154077212,"channel":0,"num_words":9,"start":1159.605,"end":1162.905},{"sentences":[{"text":"Yeah.","start":1163.12,"end":1163.62,"sentiment":"neutral","sentiment_score":-0.0100140068680048}],"sentiment":"neutral","sentiment_score":-0.0100140068680048,"channel":1,"num_words":1,"start":1163.12,"end":1163.62},{"sentences":[{"text":"Sorry.","start":1163.525,"end":1164.025,"sentiment":"neutral","sentiment_score":-0.013560280203819277}],"sentiment":"neutral","sentiment_score":-0.013560280203819277,"channel":0,"num_words":1,"start":1163.525,"end":1164.025},{"sentences":[{"text":"Just looking down the road.","start":1163.735,"end":1165.095,"sentiment":"neutral","sentiment_score":-0.011679629608988763},{"text":"One second.","start":1165.095,"end":1165.8351,"sentiment":"neutral","sentiment_score":0.026322854682803154}],"sentiment":"neutral","sentiment_score":-0.0008217769541910716,"channel":1,"num_words":7,"start":1163.735,"end":1165.8351},{"sentences":[{"text":"Yep.","start":1166.02,"end":1166.5,"sentiment":"neutral","sentiment_score":0.004265566356480122},{"text":"No.","start":1166.5,"end":1166.66,"sentiment":"neutral","sentiment_score":0.0009071938693523408},{"text":"That's okay.","start":1166.66,"end":1167.56,"sentiment":"neutral","sentiment_score":0.025358582846820358},{"text":"And while that loads for you, we currently have you invested in a growth portfolio as well for your superannuation.","start":1173.62,"end":1182.0851,"sentiment":"neutral","sentiment_score":0.04677134193480015}],"sentiment":"neutral","sentiment_score":0.0413048651923115,"channel":0,"num_words":24,"start":1166.02,"end":1182.0851},{"sentences":[{"text":"Mhmm.","start":1183.1901,"end":1183.6901,"sentiment":"neutral","sentiment_score":-0.0032972032204270363}],"sentiment":"neutral","sentiment_score":-0.0032972032204270363,"channel":1,"num_words":1,"start":1183.1901,"end":1183.6901},{"sentences":[{"text":"Are you still comfortable with that growth portfolio, or has your risk tolerance or anything changed?","start":1183.425,"end":1190.0851,"sentiment":"neutral","sentiment_score":-0.04129522340372205}],"sentiment":"neutral","sentiment_score":-0.04129522340372205,"channel":0,"num_words":16,"start":1183.425,"end":1190.0851},{"sentences":[{"text":"Not really.","start":1190.785,"end":1191.525,"sentiment":"neutral","sentiment_score":-0.14723460376262665},{"text":"I think","start":1191.665,"end":1192.145,"sentiment":"neutral","sentiment_score":-0.17536448687314987}],"sentiment":"neutral","sentiment_score":-0.16129954531788826,"channel":1,"num_words":4,"start":1190.785,"end":1192.145},{"sentences":[{"text":"No.","start":1191.8251,"end":1192.3251,"sentiment":"neutral","sentiment_score":-0.23805347084999084}],"sentiment":"neutral","sentiment_score":-0.23805347084999084,"channel":0,"num_words":1,"start":1191.8251,"end":1192.3251},{"sentences":[{"text":"I'm okay with that.","start":1192.145,"end":1193.025,"sentiment":"neutral","sentiment_score":-0.14466958492994308},{"text":"In fact, right right now is the time to invest in equities.","start":1193.025,"end":1195.665,"sentiment":"neutral","sentiment_score":0.07555197862287362}],"sentiment":"neutral","sentiment_score":0.020496587734669447,"channel":1,"num_words":16,"start":1192.145,"end":1195.665},{"sentences":[{"text":"Yep.","start":1195.52,"end":1196.02,"sentiment":"neutral","sentiment_score":0.1959766149520874}],"sentiment":"neutral","sentiment_score":0.1959766149520874,"channel":0,"num_words":1,"start":1195.52,"end":1196.02},{"sentences":[{"text":"So yeah.","start":1195.665,"end":1196.655,"sentiment":"neutral","sentiment_score":0.31840239465236664}],"sentiment":"neutral","sentiment_score":0.31840239465236664,"channel":1,"num_words":2,"start":1195.665,"end":1196.655},{"sentences":[{"text":"Okay.","start":1196.24,"end":1196.74,"sentiment":"positive","sentiment_score":0.5491586327552795},{"text":"Perfect.","start":1196.8,"end":1197.3,"sentiment":"positive","sentiment_score":0.4423162341117859},{"text":"And you do have the time frame behind you as well in a growth portfolio because, typically, we say, you know, a growth, we do wanna see ideally a minimum of six years until retirement, making sure, obviously, you have enough time for those ups and downs and market fluctuations, which you do have.","start":1197.52,"end":1214.765,"sentiment":"neutral","sentiment_score":0.20210077648085575},{"text":"And it's also that kind of eighty twenty split.","start":1216.105,"end":1219.02,"sentiment":"neutral","sentiment_score":0.051535980568991765}],"sentiment":"neutral","sentiment_score":0.1902883172608339,"channel":0,"num_words":65,"start":1196.24,"end":1219.02},{"sentences":[{"text":"Yeah.","start":1219.21,"end":1219.71,"sentiment":"neutral","sentiment_score":0.04814758151769638}],"sentiment":"neutral","sentiment_score":0.04814758151769638,"channel":1,"num_words":1,"start":1219.21,"end":1219.71},{"sentences":[{"text":"Did that open up?","start":1219.98,"end":1221.12,"sentiment":"neutral","sentiment_score":0.04399426933377981},{"text":"Yes.","start":1222.86,"end":1223.36,"sentiment":"neutral","sentiment_score":0.08673620223999023},{"text":"Yes.","start":1224.38,"end":1224.88,"sentiment":"neutral","sentiment_score":0.08310119062662125}],"sentiment":"neutral","sentiment_score":0.05763574503362179,"channel":0,"num_words":6,"start":1219.98,"end":1224.88},{"sentences":[{"text":"Market value at this start of the period, market value at the end is 206, income income and growth.","start":1232.8251,"end":1244.72,"sentiment":"neutral","sentiment_score":0.07298971026351578},{"text":"What does income in the period mean?","start":1246.7001,"end":1248.22,"sentiment":"neutral","sentiment_score":0.03636968322098255},{"text":"From dividends, you mean?","start":1248.22,"end":1249.365,"sentiment":"neutral","sentiment_score":0.023275730665773153}],"sentiment":"neutral","sentiment_score":0.05781650667389234,"channel":1,"num_words":30,"start":1232.8251,"end":1249.365},{"sentences":[{"text":"Yes.","start":1250.01,"end":1250.25,"sentiment":"neutral","sentiment_score":0.08070138096809387},{"text":"So exactly that dividends and stuff paid, and then growth in the period is obviously increasing in prices and stuff for you.","start":1250.25,"end":1257.975,"sentiment":"neutral","sentiment_score":0.14059653437950395}],"sentiment":"neutral","sentiment_score":0.13799239727466003,"channel":0,"num_words":23,"start":1250.01,"end":1257.975},{"sentences":[{"text":"Yeah.","start":1258.325,"end":1258.645,"sentiment":"neutral","sentiment_score":0.07607711851596832}],"sentiment":"neutral","sentiment_score":0.07607711851596832,"channel":1,"num_words":1,"start":1258.325,"end":1258.645},{"sentences":[{"text":"So it","start":1258.455,"end":1258.775,"sentiment":"neutral","sentiment_score":0.05625360086560249}],"sentiment":"neutral","sentiment_score":0.05625360086560249,"channel":0,"num_words":2,"start":1258.455,"end":1258.775},{"sentences":[{"text":"Okay.","start":1258.645,"end":1259.145,"sentiment":"neutral","sentiment_score":0.0870063453912735}],"sentiment":"neutral","sentiment_score":0.0870063453912735,"channel":1,"num_words":1,"start":1258.645,"end":1259.145},{"sentences":[{"text":"kind of breaks it down.","start":1258.775,"end":1260.215,"sentiment":"neutral","sentiment_score":0.07201688215136529},{"text":"And, typically, what most people are interested in is the end value and the start value and then the internal rate of return column, which is the second one to the right.","start":1260.215,"end":1272.93,"sentiment":"neutral","sentiment_score":0.09144207555800676},{"text":"Because","start":1273.25,"end":1273.65,"sentiment":"neutral","sentiment_score":0.12151814252138138}],"sentiment":"neutral","sentiment_score":0.08967760450353748,"channel":0,"num_words":38,"start":1258.775,"end":1273.65},{"sentences":[{"text":"Yep.","start":1273.38,"end":1273.635,"sentiment":"neutral","sentiment_score":0.14658911526203156}],"sentiment":"neutral","sentiment_score":0.14658911526203156,"channel":1,"num_words":1,"start":1273.38,"end":1273.635},{"sentences":[{"text":"this one here is the individual return of each of your investments and how they have performed all after fees.","start":1273.65,"end":1282.0701,"sentiment":"neutral","sentiment_score":0.12466548196971416},{"text":"Now the total of everything as well doesn't include your contributions.","start":1282.4501,"end":1286.79,"sentiment":"neutral","sentiment_score":0.02247943568297408},{"text":"This is just how your investments have done.","start":1287.0901,"end":1287.42,"sentiment":"neutral","sentiment_score":0.07594053214415908},{"text":"So as you can see here, there is a bit of a So as you can see here, there is a bit of a spread, obviously, again, because what is going on in the market.","start":1287.42,"end":1295.865,"sentiment":"neutral","sentiment_score":0.023078253559236015},{"text":"So as you can see that the ones in the bracket, which is your Benelon Australian equity, and then the beta shares live global cybersecurity.","start":1296.485,"end":1306.05,"sentiment":"neutral","sentiment_score":0.07183414839208126}],"sentiment":"neutral","sentiment_score":0.0601181845801572,"channel":0,"num_words":99,"start":1273.65,"end":1306.05},{"sentences":[{"text":"Now these","start":1306.99,"end":1307.47,"sentiment":"neutral","sentiment_score":0.08863253891468048}],"sentiment":"neutral","sentiment_score":0.08863253891468048,"channel":0,"num_words":2,"start":1306.99,"end":1307.47},{"sentences":[{"text":"Yep.","start":1307.285,"end":1307.785,"sentiment":"neutral","sentiment_score":0.10638269037008286}],"sentiment":"neutral","sentiment_score":0.10638269037008286,"channel":1,"num_words":1,"start":1307.285,"end":1307.785},{"sentences":[{"text":"are the ones that's currently down at the moment.","start":1307.47,"end":1309.89,"sentiment":"neutral","sentiment_score":-0.023429579204983175},{"text":"The rest are positive.","start":1310.03,"end":1311.65,"sentiment":"neutral","sentiment_score":0.3228154629468918}],"sentiment":"neutral","sentiment_score":0.08310735684174758,"channel":0,"num_words":13,"start":1307.47,"end":1311.65},{"sentences":[{"text":"Yep.","start":1312.9651,"end":1313.28,"sentiment":"neutral","sentiment_score":0.15241029858589172}],"sentiment":"neutral","sentiment_score":0.15241029858589172,"channel":1,"num_words":1,"start":1312.9651,"end":1313.28},{"sentences":[{"text":"So with your portfolio as well, with the global cybersecurity, obviously, AI technology, that space is not going anywhere anytime soon.","start":1312.99,"end":1323.1749,"sentiment":"neutral","sentiment_score":0.026787553159963517},{"text":"So there are obviously opportunities in this space, and it is more of like a cyclical trend wide down at the moment.","start":1323.1749,"end":1330.955,"sentiment":"neutral","sentiment_score":-0.0169107856398279},{"text":"Overall, kind of tech stocks have been a little bit weaker overall, especially globally.","start":1332.0599,"end":1337.52,"sentiment":"neutral","sentiment_score":-0.28193274033921106},{"text":"It's not something that we kind of long term at the moment are too concerned about, though, because it is a good stable investment long term.","start":1338.14,"end":1347.525,"sentiment":"neutral","sentiment_score":-0.08952808781312062},{"text":"And, obviously, there are a lot of things in the AI space at the moment.","start":1347.525,"end":1351.785,"sentiment":"neutral","sentiment_score":-0.12750646471977234}],"sentiment":"neutral","sentiment_score":-0.08160086006534342,"channel":0,"num_words":98,"start":1312.99,"end":1351.785},{"sentences":[{"text":"You also wanna avoid sometimes selling if you believe in the investment selling when the prices are down because that's when you are crystallizing the losses.","start":1352.485,"end":1360.425,"sentiment":"negative","sentiment_score":-0.35795149035178697},{"text":"However, with the Bennelong investment can you see that one?","start":1361.68,"end":1365.76,"sentiment":"neutral","sentiment_score":-0.0778383668512106},{"text":"That's the one that's down the most.","start":1365.76,"end":1367.38,"sentiment":"neutral","sentiment_score":-0.27344016092164175}],"sentiment":"neutral","sentiment_score":-0.27905124521186186,"channel":0,"num_words":43,"start":1352.485,"end":1367.38},{"sentences":[{"text":"Yep.","start":1367.69,"end":1368.19,"sentiment":"neutral","sentiment_score":0.04465844482183456}],"sentiment":"neutral","sentiment_score":0.04465844482183456,"channel":1,"num_words":1,"start":1367.69,"end":1368.19},{"sentences":[{"text":"Now this investment here, I do want to look at reviewing for you.","start":1368.8,"end":1373.625,"sentiment":"neutral","sentiment_score":0.05041842563794209},{"text":"The reason being is that the Benelon Australian Equity, it is a little bit different to your other investments in that it is a managed fund.","start":1374.425,"end":1383.885,"sentiment":"neutral","sentiment_score":-0.004323979982962975},{"text":"Have you heard of that before?","start":1384.665,"end":1385.965,"sentiment":"neutral","sentiment_score":0.005183821544051171}],"sentiment":"neutral","sentiment_score":0.012758199622233709,"channel":0,"num_words":45,"start":1368.8,"end":1385.965},{"sentences":[{"text":"Yeah.","start":1386.7151,"end":1387.2151,"sentiment":"neutral","sentiment_score":-0.008655880577862263},{"text":"Sort of.","start":1387.3551,"end":1387.755,"sentiment":"neutral","sentiment_score":-0.01674725627526641},{"text":"But I don't really know exactly what that","start":1387.755,"end":1390.175,"sentiment":"neutral","sentiment_score":-0.07845218200236559}],"sentiment":"neutral","sentiment_score":-0.06088798628611998,"channel":1,"num_words":11,"start":1386.7151,"end":1390.175},{"sentences":[{"text":"No.","start":1389.9401,"end":1390.4401,"sentiment":"neutral","sentiment_score":-0.12770812213420868}],"sentiment":"neutral","sentiment_score":-0.12770812213420868,"channel":0,"num_words":1,"start":1389.9401,"end":1390.4401},{"sentences":[{"text":"thing","start":1390.53,"end":1390.77,"sentiment":"neutral","sentiment_score":-0.08162803202867508}],"sentiment":"neutral","sentiment_score":-0.08162803202867508,"channel":1,"num_words":1,"start":1390.53,"end":1390.77},{"sentences":[{"text":"No.","start":1390.7401,"end":1391.2401,"sentiment":"neutral","sentiment_score":-0.12395964562892914}],"sentiment":"neutral","sentiment_score":-0.12395964562892914,"channel":0,"num_words":1,"start":1390.7401,"end":1391.2401},{"sentences":[{"text":"is.","start":1390.77,"end":1391.0,"sentiment":"neutral","sentiment_score":-0.118122898042202},{"text":"But yeah.","start":1391.0,"end":1392.0,"sentiment":"neutral","sentiment_score":-0.06134151294827461}],"sentiment":"neutral","sentiment_score":-0.08026864131291707,"channel":1,"num_words":3,"start":1390.77,"end":1392.0},{"sentences":[{"text":"Sorry.","start":1391.9401,"end":1392.42,"sentiment":"neutral","sentiment_score":-0.0323655791580677},{"text":"How that one is different is that they are a managed fund, and the the purpose is to actively buy and sell different investments in order to try to outperform the market.","start":1392.42,"end":1406.255,"sentiment":"neutral","sentiment_score":0.06125908385729417},{"text":"Whereas the other investments are kind of tracking an index.","start":1407.435,"end":1412.015,"sentiment":"neutral","sentiment_score":-0.0023348769173026085},{"text":"So for","start":1412.795,"end":1413.755,"sentiment":"neutral","sentiment_score":0.04986518621444702}],"sentiment":"neutral","sentiment_score":0.044540149056249194,"channel":0,"num_words":45,"start":1391.9401,"end":1413.755},{"sentences":[{"text":"Yep.","start":1413.505,"end":1414.005,"sentiment":"neutral","sentiment_score":0.06900747120380402}],"sentiment":"neutral","sentiment_score":0.06900747120380402,"channel":1,"num_words":1,"start":1413.505,"end":1414.005},{"sentences":[{"text":"example, iShares S and P 500 is to kinda compare, which is the one at the bottom, which it","start":1413.755,"end":1420.39,"sentiment":"neutral","sentiment_score":0.057051591281043854}],"sentiment":"neutral","sentiment_score":0.057051591281043854,"channel":0,"num_words":19,"start":1413.755,"end":1420.39},{"sentences":[{"text":"Yeah.","start":1420.36,"end":1420.86,"sentiment":"neutral","sentiment_score":0.03746604174375534}],"sentiment":"neutral","sentiment_score":0.03746604174375534,"channel":1,"num_words":1,"start":1420.36,"end":1420.86},{"sentences":[{"text":"says I b b.","start":1420.39,"end":1422.01,"sentiment":"neutral","sentiment_score":0.02485584421083331},{"text":"Now this one here, to kinda simplify it, it invests in the 500 largest companies listed on in The US.","start":1422.39,"end":1431.45,"sentiment":"neutral","sentiment_score":0.07463496793061494},{"text":"So as a company grows and you get in through those 500 biggest companies, it gets added to the investments.","start":1431.925,"end":1437.285,"sentiment":"neutral","sentiment_score":0.0978200800716877},{"text":"And as something gets smaller, it comes out.","start":1437.285,"end":1439.285,"sentiment":"neutral","sentiment_score":0.09077166765928268},{"text":"So you basically just track the the 500 biggest companies, which is obviously a lot of growth opportunities in The US space in that way.","start":1439.285,"end":1446.81,"sentiment":"neutral","sentiment_score":0.16622477024793625}],"sentiment":"neutral","sentiment_score":0.1094846355111955,"channel":0,"num_words":77,"start":1420.39,"end":1446.81},{"sentences":[{"text":"So you don't need as much co kind of research or actively buying and selling, which can trigger capital gains tax for these investments.","start":1447.13,"end":1455.0701,"sentiment":"neutral","sentiment_score":0.038520758195469774},{"text":"So then along was added to the portfolio to give you that kind of active component, which does trying to outperform the market by buying and selling more frequently.","start":1455.2101,"end":1466.305,"sentiment":"neutral","sentiment_score":0.1473467057121211},{"text":"Now at the time when it was added to your portfolio as well, it was one of their best performing fund managers, and they had performed really well.","start":1467.5651,"end":1474.785,"sentiment":"positive","sentiment_score":0.3473980703524181},{"text":"More recently, they have underperformed, which you can see here.","start":1475.59,"end":1479.85,"sentiment":"neutral","sentiment_score":0.23077193200588225}],"sentiment":"neutral","sentiment_score":0.18936723024471774,"channel":0,"num_words":91,"start":1447.13,"end":1479.85},{"sentences":[{"text":"Yep.","start":1479.86,"end":1480.36,"sentiment":"neutral","sentiment_score":0.01886775717139244}],"sentiment":"neutral","sentiment_score":0.01886775717139244,"channel":1,"num_words":1,"start":1479.86,"end":1480.36},{"sentences":[{"text":"There are a couple of reasons why we look through we want to look at reviewing the portfolio and potentially swap that out if we can find something else.","start":1480.07,"end":1489.37,"sentiment":"neutral","sentiment_score":-0.070975957117204},{"text":"Is that because if you are paying to have someone actively buying and selling during the research, you wanted to outperform.","start":1489.83,"end":1496.495,"sentiment":"neutral","sentiment_score":-0.08143922615618933},{"text":"And if it's not outperforming,","start":1496.495,"end":1497.795,"sentiment":"neutral","sentiment_score":-0.1438234716653824}],"sentiment":"neutral","sentiment_score":-0.08159352480010552,"channel":0,"num_words":55,"start":1480.07,"end":1497.795},{"sentences":[{"text":"Yeah.","start":1497.58,"end":1498.08,"sentiment":"neutral","sentiment_score":-0.1055878922343254}],"sentiment":"neutral","sentiment_score":-0.1055878922343254,"channel":1,"num_words":1,"start":1497.58,"end":1498.08},{"sentences":[{"text":"then why are you paying a little bit of extra for","start":1498.015,"end":1500.435,"sentiment":"neutral","sentiment_score":-0.23168795081702145}],"sentiment":"neutral","sentiment_score":-0.23168795081702145,"channel":0,"num_words":11,"start":1498.015,"end":1500.435},{"sentences":[{"text":"Absolutely.","start":1500.46,"end":1500.96,"sentiment":"neutral","sentiment_score":-0.14687755703926086}],"sentiment":"neutral","sentiment_score":-0.14687755703926086,"channel":1,"num_words":1,"start":1500.46,"end":1500.96},{"sentences":[{"text":"it, essentially?","start":1500.495,"end":1501.245,"sentiment":"neutral","sentiment_score":-0.17023839801549911}],"sentiment":"neutral","sentiment_score":-0.17023839801549911,"channel":0,"num_words":2,"start":1500.495,"end":1501.245},{"sentences":[{"text":"This is yeah.","start":1501.26,"end":1501.82,"sentiment":"negative","sentiment_score":-0.37165441115697223},{"text":"This is contrary to the fundamental","start":1501.82,"end":1503.84,"sentiment":"negative","sentiment_score":-0.5228718767563502}],"sentiment":"negative","sentiment_score":-0.4724660548898909,"channel":1,"num_words":9,"start":1501.26,"end":1503.84},{"sentences":[{"text":"Exact","start":1503.7101,"end":1504.2101,"sentiment":"neutral","sentiment_score":-0.2651541233062744}],"sentiment":"neutral","sentiment_score":-0.2651541233062744,"channel":0,"num_words":1,"start":1503.7101,"end":1504.2101},{"sentences":[{"text":"goal.","start":1504.06,"end":1504.485,"sentiment":"neutral","sentiment_score":-0.31907135248184204}],"sentiment":"neutral","sentiment_score":-0.31907135248184204,"channel":1,"num_words":1,"start":1504.06,"end":1504.485},{"sentences":[{"text":"exactly.","start":1504.8301,"end":1505.3301,"sentiment":"neutral","sentiment_score":-0.14673957228660583},{"text":"Now, also, they have made a couple of calls on different investments that haven't played off recently, and they've been a little bit slower in making changes.","start":1505.9501,"end":1514.37,"sentiment":"neutral","sentiment_score":-0.2709071586529414},{"text":"So we've been a little bit kind of, okay.","start":1514.67,"end":1516.59,"sentiment":"neutral","sentiment_score":-0.22873634265528786},{"text":"Well, that might not be the best option moving forward.","start":1516.59,"end":1519.1849,"sentiment":"negative","sentiment_score":-0.6241591900587082},{"text":"And another reason is it wasn't really them, but one of the companies that they had in their portfolio was Corporate Travel Group.","start":1519.565,"end":1528.225,"sentiment":"neutral","sentiment_score":-0.13374872246514197}],"sentiment":"neutral","sentiment_score":-0.26910960652998517,"channel":0,"num_words":70,"start":1504.8301,"end":1528.225},{"sentences":[{"text":"Now they had a bit of issues with reporting.","start":1528.765,"end":1531.59,"sentiment":"neutral","sentiment_score":-0.27872246338261497},{"text":"I'm not sure if you've heard of them.","start":1531.59,"end":1532.79,"sentiment":"neutral","sentiment_score":-0.2260415367782116}],"sentiment":"neutral","sentiment_score":-0.2539314390981899,"channel":0,"num_words":17,"start":1528.765,"end":1532.79},{"sentences":[{"text":"Yeah.","start":1532.745,"end":1533.065,"sentiment":"neutral","sentiment_score":-0.07416081428527832}],"sentiment":"neutral","sentiment_score":-0.07416081428527832,"channel":1,"num_words":1,"start":1532.745,"end":1533.065},{"sentences":[{"text":"I think it","start":1532.79,"end":1533.11,"sentiment":"neutral","sentiment_score":-0.04983707144856453}],"sentiment":"neutral","sentiment_score":-0.04983707144856453,"channel":0,"num_words":3,"start":1532.79,"end":1533.11},{"sentences":[{"text":"I","start":1533.065,"end":1533.145,"sentiment":"neutral","sentiment_score":-0.04271317273378372}],"sentiment":"neutral","sentiment_score":-0.04271317273378372,"channel":1,"num_words":1,"start":1533.065,"end":1533.145},{"sentences":[{"text":"was","start":1533.11,"end":1533.27,"sentiment":"neutral","sentiment_score":-0.04152607545256615}],"sentiment":"neutral","sentiment_score":-0.04152607545256615,"channel":0,"num_words":1,"start":1533.11,"end":1533.27},{"sentences":[{"text":"know","start":1533.145,"end":1533.385,"sentiment":"neutral","sentiment_score":-0.05127447843551636}],"sentiment":"neutral","sentiment_score":-0.05127447843551636,"channel":1,"num_words":1,"start":1533.145,"end":1533.385},{"sentences":[{"text":"on","start":1533.27,"end":1533.43,"sentiment":"neutral","sentiment_score":-0.057907141745090485}],"sentiment":"neutral","sentiment_score":-0.057907141745090485,"channel":0,"num_words":1,"start":1533.27,"end":1533.43},{"sentences":[{"text":"that.","start":1533.385,"end":1533.625,"sentiment":"neutral","sentiment_score":-0.07385414838790894}],"sentiment":"neutral","sentiment_score":-0.07385414838790894,"channel":1,"num_words":1,"start":1533.385,"end":1533.625},{"sentences":[{"text":"the news.","start":1533.43,"end":1534.09,"sentiment":"neutral","sentiment_score":-0.06815575435757637}],"sentiment":"neutral","sentiment_score":-0.06815575435757637,"channel":0,"num_words":2,"start":1533.43,"end":1534.09},{"sentences":[{"text":"Yeah.","start":1533.625,"end":1534.025,"sentiment":"neutral","sentiment_score":-0.03830132633447647},{"text":"Yeah.","start":1534.025,"end":1534.525,"sentiment":"neutral","sentiment_score":-0.026948746293783188}],"sentiment":"neutral","sentiment_score":-0.03262503631412983,"channel":1,"num_words":2,"start":1533.625,"end":1534.525},{"sentences":[{"text":"Yeah.","start":1534.15,"end":1534.65,"sentiment":"neutral","sentiment_score":-0.03584291785955429},{"text":"So obviously, had a bit of issues, cost suspension.","start":1534.95,"end":1537.21,"sentiment":"neutral","sentiment_score":-0.12967174500226974},{"text":"They couldn't trade, obviously, things fell.","start":1537.27,"end":1539.29,"sentiment":"neutral","sentiment_score":-0.2753561735153198},{"text":"So if you are happy for me to do so, I would like to do a bit more research on your investments, but specifically just your one.","start":1539.59,"end":1546.755,"sentiment":"neutral","sentiment_score":0.2075149005761853},{"text":"The other ones are not doing too bad, but I still would just like to review everything as a whole because it is good to do because things always change.","start":1547.775,"end":1554.8151,"sentiment":"neutral","sentiment_score":0.32577695647875465}],"sentiment":"neutral","sentiment_score":0.171523086930791,"channel":0,"num_words":73,"start":1534.15,"end":1554.8151},{"sentences":[{"text":"The market always change, and we wanna make sure that we always keep up to date with obviously making sure that whatever we have you invested in is going to be the best for you.","start":1554.8151,"end":1564.9501,"sentiment":"positive","sentiment_score":0.4771009564399719},{"text":"And it's all part of","start":1564.9501,"end":1565.75,"sentiment":"neutral","sentiment_score":0.211540150642395}],"sentiment":"positive","sentiment_score":0.4439058557152748,"channel":0,"num_words":40,"start":1554.8151,"end":1565.75},{"sentences":[{"text":"Yeah.","start":1565.735,"end":1565.91,"sentiment":"neutral","sentiment_score":0.18440347909927368}],"sentiment":"neutral","sentiment_score":0.18440347909927368,"channel":1,"num_words":1,"start":1565.735,"end":1565.91},{"sentences":[{"text":"the ongoing service.","start":1565.75,"end":1566.63,"sentiment":"neutral","sentiment_score":0.24948626259962717}],"sentiment":"neutral","sentiment_score":0.24948626259962717,"channel":0,"num_words":3,"start":1565.75,"end":1566.63},{"sentences":[{"text":"Yeah.","start":1566.39,"end":1566.89,"sentiment":"neutral","sentiment_score":0.25845107436180115}],"sentiment":"neutral","sentiment_score":0.25845107436180115,"channel":1,"num_words":1,"start":1566.39,"end":1566.89},{"sentences":[{"text":"There's no additional fees or anything like that.","start":1566.63,"end":1568.39,"sentiment":"neutral","sentiment_score":0.1849652947857976},{"text":"It's all part of the ongoing service to see if we wanna swap that out for you for something else.","start":1568.39,"end":1574.115,"sentiment":"neutral","sentiment_score":0.23014084808528423},{"text":"Are you happy for me to do that?","start":1574.275,"end":1576.0549,"sentiment":"neutral","sentiment_score":0.2927777096629143}],"sentiment":"neutral","sentiment_score":0.23402113881376055,"channel":0,"num_words":36,"start":1566.63,"end":1576.0549},{"sentences":[{"text":"Yeah.","start":1576.23,"end":1576.55,"sentiment":"neutral","sentiment_score":0.08512121438980103},{"text":"Yeah.","start":1576.55,"end":1576.79,"sentiment":"neutral","sentiment_score":0.08952184021472931},{"text":"Please.","start":1576.79,"end":1577.29,"sentiment":"neutral","sentiment_score":0.08986702561378479}],"sentiment":"neutral","sentiment_score":0.08817002673943837,"channel":1,"num_words":3,"start":1576.23,"end":1577.29},{"sentences":[{"text":"Yeah.","start":1577.235,"end":1577.735,"sentiment":"neutral","sentiment_score":0.0850110650062561}],"sentiment":"neutral","sentiment_score":0.0850110650062561,"channel":0,"num_words":1,"start":1577.235,"end":1577.735},{"sentences":[{"text":"So tell me one thing, the the investment calls are made by you folks, as in which funds to invest and which securities to invest as a combination of the portfolio?","start":1577.35,"end":1587.5449,"sentiment":"neutral","sentiment_score":0.07379979652262503},{"text":"Is it HUB24 who makes that call?","start":1587.5449,"end":1590.205,"sentiment":"neutral","sentiment_score":0.02546794499669756}],"sentiment":"neutral","sentiment_score":0.06489656071521734,"channel":1,"num_words":38,"start":1577.35,"end":1590.205},{"sentences":[{"text":"Wait.","start":1590.13,"end":1590.53,"sentiment":"neutral","sentiment_score":0.012891841121017931},{"text":"So oh, for you,","start":1590.53,"end":1591.17,"sentiment":"neutral","sentiment_score":0.028545834589749575}],"sentiment":"neutral","sentiment_score":0.025415035896003246,"channel":0,"num_words":5,"start":1590.13,"end":1591.17},{"sentences":[{"text":"You","start":1591.065,"end":1591.225,"sentiment":"neutral","sentiment_score":0.04062730073928833}],"sentiment":"neutral","sentiment_score":0.04062730073928833,"channel":1,"num_words":1,"start":1591.065,"end":1591.225},{"sentences":[{"text":"Drew.","start":1591.17,"end":1591.41,"sentiment":"neutral","sentiment_score":0.03725150227546692}],"sentiment":"neutral","sentiment_score":0.03725150227546692,"channel":0,"num_words":1,"start":1591.17,"end":1591.41},{"sentences":[{"text":"guys","start":1591.225,"end":1591.465,"sentiment":"neutral","sentiment_score":0.052846163511276245}],"sentiment":"neutral","sentiment_score":0.052846163511276245,"channel":1,"num_words":1,"start":1591.225,"end":1591.465},{"sentences":[{"text":"So","start":1591.41,"end":1591.57,"sentiment":"neutral","sentiment_score":0.03980788588523865}],"sentiment":"neutral","sentiment_score":0.03980788588523865,"channel":0,"num_words":1,"start":1591.41,"end":1591.57},{"sentences":[{"text":"make","start":1591.465,"end":1591.625,"sentiment":"neutral","sentiment_score":0.03649193048477173}],"sentiment":"neutral","sentiment_score":0.03649193048477173,"channel":1,"num_words":1,"start":1591.465,"end":1591.625},{"sentences":[{"text":"how","start":1591.57,"end":1591.73,"sentiment":"neutral","sentiment_score":0.026838019490242004}],"sentiment":"neutral","sentiment_score":0.026838019490242004,"channel":0,"num_words":1,"start":1591.57,"end":1591.73},{"sentences":[{"text":"that","start":1591.625,"end":1591.865,"sentiment":"neutral","sentiment_score":0.025340385735034943}],"sentiment":"neutral","sentiment_score":0.025340385735034943,"channel":1,"num_words":1,"start":1591.625,"end":1591.865},{"sentences":[{"text":"many","start":1591.73,"end":1592.13,"sentiment":"neutral","sentiment_score":0.030829133465886116}],"sentiment":"neutral","sentiment_score":0.030829133465886116,"channel":0,"num_words":1,"start":1591.73,"end":1592.13},{"sentences":[{"text":"call.","start":1591.865,"end":1592.265,"sentiment":"neutral","sentiment_score":0.020054582506418228}],"sentiment":"neutral","sentiment_score":0.020054582506418228,"channel":1,"num_words":1,"start":1591.865,"end":1592.265},{"sentences":[{"text":"four?","start":1592.13,"end":1592.37,"sentiment":"neutral","sentiment_score":0.01924314722418785}],"sentiment":"neutral","sentiment_score":0.01924314722418785,"channel":0,"num_words":1,"start":1592.13,"end":1592.37},{"sentences":[{"text":"Right?","start":1592.265,"end":1592.765,"sentiment":"neutral","sentiment_score":0.026685889810323715}],"sentiment":"neutral","sentiment_score":0.026685889810323715,"channel":1,"num_words":1,"start":1592.265,"end":1592.765},{"sentences":[{"text":"Just cover that as your bank account, basically,","start":1592.37,"end":1594.63,"sentiment":"neutral","sentiment_score":0.042822543531656265}],"sentiment":"neutral","sentiment_score":0.042822543531656265,"channel":0,"num_words":8,"start":1592.37,"end":1594.63},{"sentences":[{"text":"Yeah.","start":1594.265,"end":1594.6649,"sentiment":"neutral","sentiment_score":0.0758708268404007},{"text":"HUB24","start":1594.6649,"end":1595.145,"sentiment":"neutral","sentiment_score":0.07085181772708893}],"sentiment":"neutral","sentiment_score":0.07336132228374481,"channel":1,"num_words":2,"start":1594.265,"end":1595.145},{"sentences":[{"text":"or","start":1595.09,"end":1595.25,"sentiment":"neutral","sentiment_score":0.06457452476024628}],"sentiment":"neutral","sentiment_score":0.06457452476024628,"channel":0,"num_words":1,"start":1595.09,"end":1595.25},{"sentences":[{"text":"is just","start":1595.145,"end":1595.385,"sentiment":"neutral","sentiment_score":0.07510564103722572}],"sentiment":"neutral","sentiment_score":0.07510564103722572,"channel":1,"num_words":2,"start":1595.145,"end":1595.385},{"sentences":[{"text":"your","start":1595.25,"end":1595.41,"sentiment":"neutral","sentiment_score":0.10425148904323578}],"sentiment":"neutral","sentiment_score":0.10425148904323578,"channel":0,"num_words":1,"start":1595.25,"end":1595.41},{"sentences":[{"text":"an","start":1595.385,"end":1595.5449,"sentiment":"neutral","sentiment_score":0.10096017271280287}],"sentiment":"neutral","sentiment_score":0.10096017271280287,"channel":1,"num_words":1,"start":1595.385,"end":1595.5449},{"sentences":[{"text":"super.","start":1595.41,"end":1595.91,"sentiment":"neutral","sentiment_score":0.1216590851545334}],"sentiment":"neutral","sentiment_score":0.1216590851545334,"channel":0,"num_words":1,"start":1595.41,"end":1595.91},{"sentences":[{"text":"investment vehicle.","start":1595.5449,"end":1596.505,"sentiment":"neutral","sentiment_score":0.07244852557778358},{"text":"Got it.","start":1596.505,"end":1596.9,"sentiment":"neutral","sentiment_score":0.07281870022416115}],"sentiment":"neutral","sentiment_score":0.07263361290097237,"channel":1,"num_words":4,"start":1595.5449,"end":1596.9},{"sentences":[{"text":"Exactly.","start":1596.6901,"end":1597.1901,"sentiment":"neutral","sentiment_score":0.10255386680364607}],"sentiment":"neutral","sentiment_score":0.10255386680364607,"channel":0,"num_words":1,"start":1596.6901,"end":1597.1901},{"sentences":[{"text":"It.","start":1596.9,"end":1597.4,"sentiment":"neutral","sentiment_score":0.08648454397916794}],"sentiment":"neutral","sentiment_score":0.08648454397916794,"channel":1,"num_words":1,"start":1596.9,"end":1597.4},{"sentences":[{"text":"Where we do all of that.","start":1597.25,"end":1598.53,"sentiment":"neutral","sentiment_score":0.08176517859101295},{"text":"Now with the investment, I do wanted to check something else with you is have you read our newsletter at all?","start":1598.53,"end":1605.7749,"sentiment":"neutral","sentiment_score":0.04321489128328505},{"text":"Do you read that every now and then or or not really?","start":1605.7749,"end":1608.6749,"sentiment":"neutral","sentiment_score":-0.0006377774601181346}],"sentiment":"neutral","sentiment_score":0.035652575871119134,"channel":0,"num_words":39,"start":1597.25,"end":1608.6749},{"sentences":[{"text":"Yeah.","start":1608.66,"end":1609.06,"sentiment":"neutral","sentiment_score":-0.028122488409280777},{"text":"Not really.","start":1609.06,"end":1609.88,"sentiment":"neutral","sentiment_score":-0.11713455244898796}],"sentiment":"neutral","sentiment_score":-0.08746386443575223,"channel":1,"num_words":3,"start":1608.66,"end":1609.88},{"sentences":[{"text":"No.","start":1610.0149,"end":1610.5149,"sentiment":"neutral","sentiment_score":-0.13201162219047546},{"text":"Most people are the same.","start":1610.735,"end":1611.855,"sentiment":"neutral","sentiment_score":-0.13017475754022598},{"text":"That's why I asked.","start":1611.855,"end":1612.835,"sentiment":"neutral","sentiment_score":-0.04868600144982338},{"text":"I do suggest maybe going back on the the last one after the call if","start":1613.88,"end":1617.48,"sentiment":"neutral","sentiment_score":-0.014667462805906932}],"sentiment":"neutral","sentiment_score":-0.047905654311180115,"channel":0,"num_words":25,"start":1610.0149,"end":1617.48},{"sentences":[{"text":"Yeah.","start":1617.405,"end":1617.905,"sentiment":"neutral","sentiment_score":0.013690859079360962}],"sentiment":"neutral","sentiment_score":0.013690859079360962,"channel":1,"num_words":1,"start":1617.405,"end":1617.905},{"sentences":[{"text":"you want to.","start":1617.48,"end":1618.22,"sentiment":"neutral","sentiment_score":-0.0057396603127320605},{"text":"The reason","start":1618.36,"end":1618.92,"sentiment":"neutral","sentiment_score":-0.016258763149380684}],"sentiment":"neutral","sentiment_score":-0.00994730144739151,"channel":0,"num_words":5,"start":1617.48,"end":1618.92},{"sentences":[{"text":"Mhmm.","start":1618.525,"end":1619.025,"sentiment":"neutral","sentiment_score":-0.01848224364221096}],"sentiment":"neutral","sentiment_score":-0.01848224364221096,"channel":1,"num_words":1,"start":1618.525,"end":1619.025},{"sentences":[{"text":"I do ask is that we have recently merged or joined forces with BlackRock.","start":1618.92,"end":1625.74,"sentiment":"neutral","sentiment_score":0.03548034732895238},{"text":"Have you heard of BlackRock?","start":1626.365,"end":1627.665,"sentiment":"neutral","sentiment_score":0.021970265358686448}],"sentiment":"neutral","sentiment_score":0.03192506259993503,"channel":0,"num_words":19,"start":1618.92,"end":1627.665},{"sentences":[{"text":"Yeah.","start":1627.565,"end":1627.86,"sentiment":"neutral","sentiment_score":0.05351427942514419}],"sentiment":"neutral","sentiment_score":0.05351427942514419,"channel":1,"num_words":1,"start":1627.565,"end":1627.86},{"sentences":[{"text":"They are","start":1627.805,"end":1628.285,"sentiment":"neutral","sentiment_score":0.0825231671333313}],"sentiment":"neutral","sentiment_score":0.0825231671333313,"channel":0,"num_words":2,"start":1627.805,"end":1628.285},{"sentences":[{"text":"Yeah.","start":1628.1,"end":1628.6,"sentiment":"neutral","sentiment_score":0.1654036045074463}],"sentiment":"neutral","sentiment_score":0.1654036045074463,"channel":1,"num_words":1,"start":1628.1,"end":1628.6},{"sentences":[{"text":"massive.","start":1628.285,"end":1628.785,"sentiment":"neutral","sentiment_score":0.21822857856750488},{"text":"Yeah.","start":1628.8451,"end":1629.3451,"sentiment":"neutral","sentiment_score":0.1514212042093277},{"text":"So we've joined and partnered up with them to create our own SMA, so a self managed account.","start":1629.5651,"end":1636.385,"sentiment":"neutral","sentiment_score":0.17931466301282248},{"text":"Have you ever heard of that?","start":1636.605,"end":1638.0651,"sentiment":"neutral","sentiment_score":0.07717908794681232}],"sentiment":"neutral","sentiment_score":0.1561687786418658,"channel":0,"num_words":26,"start":1628.285,"end":1638.0651},{"sentences":[{"text":"No.","start":1638.1799,"end":1638.58,"sentiment":"neutral","sentiment_score":-0.08284156024456024},{"text":"I'm not.","start":1638.58,"end":1639.32,"sentiment":"neutral","sentiment_score":-0.08089497312903404},{"text":"Yeah.","start":1639.54,"end":1640.04,"sentiment":"neutral","sentiment_score":-0.02885407023131847}],"sentiment":"neutral","sentiment_score":-0.0683713941834867,"channel":1,"num_words":4,"start":1638.1799,"end":1640.04},{"sentences":[{"text":"No.","start":1639.5801,"end":1640.0801,"sentiment":"neutral","sentiment_score":-0.07150952517986298},{"text":"Sorry.","start":1640.2201,"end":1640.7001,"sentiment":"neutral","sentiment_score":-0.08144041895866394},{"text":"The way that the so you can still obviously do it in Hub twenty four still within your super.","start":1640.7001,"end":1645.3601,"sentiment":"neutral","sentiment_score":0.0021711739858514384},{"text":"It's just a slightly different way.","start":1645.5,"end":1647.6001,"sentiment":"neutral","sentiment_score":-0.020253139082342386},{"text":"So at the moment, you have what we would call, like, your model portfolio.","start":1647.66,"end":1652.075,"sentiment":"neutral","sentiment_score":0.08772196966622557}],"sentiment":"neutral","sentiment_score":0.02426563664453059,"channel":0,"num_words":41,"start":1639.5801,"end":1652.075},{"sentences":[{"text":"So you can see all your individual investments here.","start":1652.135,"end":1654.795,"sentiment":"neutral","sentiment_score":0.12167508444852299},{"text":"Now if I want to go and make a change, so, obviously, the investment committee, if we we do all the research and we just see that, for example, Bennelong might not be the best option, we wanna change it out for you.","start":1654.855,"end":1665.09,"sentiment":"neutral","sentiment_score":0.02249867707317652},{"text":"We would obviously go and do all the research.","start":1665.25,"end":1667.4099,"sentiment":"neutral","sentiment_score":0.11584532012542088},{"text":"But to make a change, I would have to put everything in a SOA for you, go through the changes, and then you would have to sign and agree to the change before I can make the change.","start":1667.4099,"end":1680.23,"sentiment":"neutral","sentiment_score":0.05854945409258729},{"text":"Obviously,","start":1680.825,"end":1681.3049,"sentiment":"neutral","sentiment_score":0.02955755591392517}],"sentiment":"neutral","sentiment_score":0.05359563566744328,"channel":0,"num_words":100,"start":1652.135,"end":1681.3049},{"sentences":[{"text":"Yeah.","start":1680.9,"end":1681.4,"sentiment":"neutral","sentiment_score":0.0703699067234993}],"sentiment":"neutral","sentiment_score":0.0703699067234993,"channel":1,"num_words":1,"start":1680.9,"end":1681.4},{"sentences":[{"text":"that process does take a little bit because it is quite compliant and heavy from research.","start":1681.3049,"end":1686.365,"sentiment":"neutral","sentiment_score":0.06879189447499812},{"text":"So it does take a little bit, which it gives you the full control of the change, but at the same time, it sometimes a bit of a lagging effect because it takes a little bit to do.","start":1686.825,"end":1696.89,"sentiment":"neutral","sentiment_score":-0.02075524049762048},{"text":"And, obviously, things with market fluctuations, sometimes you wanna react quickly, but, obviously, a lot of it is kind of long term investment.","start":1697.91,"end":1704.97,"sentiment":"neutral","sentiment_score":-0.03874351602533589}],"sentiment":"neutral","sentiment_score":-0.007521164881718623,"channel":0,"num_words":77,"start":1681.3049,"end":1704.97},{"sentences":[{"text":"Yeah.","start":1704.995,"end":1705.3949,"sentiment":"neutral","sentiment_score":0.013375074602663515}],"sentiment":"neutral","sentiment_score":0.013375074602663515,"channel":1,"num_words":1,"start":1704.995,"end":1705.3949},{"sentences":[{"text":"Now","start":1705.27,"end":1705.77,"sentiment":"neutral","sentiment_score":0.01591261848807335}],"sentiment":"neutral","sentiment_score":0.01591261848807335,"channel":0,"num_words":1,"start":1705.27,"end":1705.77},{"sentences":[{"text":"Yeah.","start":1705.3949,"end":1705.7949,"sentiment":"neutral","sentiment_score":0.013401717878878117},{"text":"Yeah.","start":1705.7949,"end":1706.2949,"sentiment":"neutral","sentiment_score":0.0113953510299325}],"sentiment":"neutral","sentiment_score":0.012398534454405308,"channel":1,"num_words":2,"start":1705.3949,"end":1706.2949},{"sentences":[{"text":"how the","start":1706.15,"end":1706.71,"sentiment":"neutral","sentiment_score":0.010062716901302338}],"sentiment":"neutral","sentiment_score":0.010062716901302338,"channel":0,"num_words":2,"start":1706.15,"end":1706.71},{"sentences":[{"text":"So","start":1706.5901,"end":1706.91,"sentiment":"neutral","sentiment_score":0.01559324562549591}],"sentiment":"neutral","sentiment_score":0.01559324562549591,"channel":1,"num_words":1,"start":1706.5901,"end":1706.91},{"sentences":[{"text":"SMA?","start":1706.71,"end":1707.21,"sentiment":"neutral","sentiment_score":0.026922469958662987}],"sentiment":"neutral","sentiment_score":0.026922469958662987,"channel":0,"num_words":1,"start":1706.71,"end":1707.21},{"sentences":[{"text":"I would yeah.","start":1706.91,"end":1707.7101,"sentiment":"neutral","sentiment_score":0.027354981129368145},{"text":"I'd be keen to understand options.","start":1707.7101,"end":1709.39,"sentiment":"neutral","sentiment_score":0.035203348845243454},{"text":"I'm","start":1709.39,"end":1709.89,"sentiment":"neutral","sentiment_score":-0.005206994246691465}],"sentiment":"neutral","sentiment_score":0.02880780422128737,"channel":1,"num_words":10,"start":1706.91,"end":1709.89},{"sentences":[{"text":"Yeah.","start":1710.025,"end":1710.525,"sentiment":"neutral","sentiment_score":-0.006445169448852539}],"sentiment":"neutral","sentiment_score":-0.006445169448852539,"channel":0,"num_words":1,"start":1710.025,"end":1710.525},{"sentences":[{"text":"I'm I'm sorry.","start":1710.75,"end":1711.31,"sentiment":"neutral","sentiment_score":-0.08331832910577457},{"text":"I'm squeezed for time.","start":1711.31,"end":1712.5901,"sentiment":"neutral","sentiment_score":-0.16445760428905487},{"text":"I just had","start":1712.5901,"end":1713.15,"sentiment":"neutral","sentiment_score":-0.10242837419112523}],"sentiment":"neutral","sentiment_score":-0.12150705270469189,"channel":1,"num_words":10,"start":1710.75,"end":1713.15},{"sentences":[{"text":"No.","start":1713.0651,"end":1713.5651,"sentiment":"neutral","sentiment_score":-0.14422452449798584}],"sentiment":"neutral","sentiment_score":-0.14422452449798584,"channel":0,"num_words":1,"start":1713.0651,"end":1713.5651},{"sentences":[{"text":"kept half an hour because I've got get to got to get into another call.","start":1713.15,"end":1716.67,"sentiment":"neutral","sentiment_score":-0.14430548002322516},{"text":"But","start":1716.67,"end":1717.17,"sentiment":"neutral","sentiment_score":-0.01070546731352806}],"sentiment":"neutral","sentiment_score":-0.13595547922886908,"channel":1,"num_words":16,"start":1713.15,"end":1717.17},{"sentences":[{"text":"That's okay.","start":1716.905,"end":1717.7251,"sentiment":"neutral","sentiment_score":0.11845953390002249}],"sentiment":"neutral","sentiment_score":0.11845953390002249,"channel":0,"num_words":2,"start":1716.905,"end":1717.7251},{"sentences":[{"text":"happy for you to have a look at it.","start":1717.55,"end":1719.5701,"sentiment":"positive","sentiment_score":0.45046791765424943},{"text":"But, yeah, I'm just looking at this report, and, obviously,","start":1720.1901,"end":1723.165,"sentiment":"neutral","sentiment_score":0.18355285972356797}],"sentiment":"neutral","sentiment_score":0.30998630821704865,"channel":1,"num_words":19,"start":1717.55,"end":1723.165},{"sentences":[{"text":"Yes.","start":1723.08,"end":1723.58,"sentiment":"neutral","sentiment_score":0.14139270782470703}],"sentiment":"neutral","sentiment_score":0.14139270782470703,"channel":0,"num_words":1,"start":1723.08,"end":1723.58},{"sentences":[{"text":"Benelong is the biggest, which is a little surprising because, yeah,","start":1723.165,"end":1729.925,"sentiment":"neutral","sentiment_score":0.047172961925918404}],"sentiment":"neutral","sentiment_score":0.047172961925918404,"channel":1,"num_words":11,"start":1723.165,"end":1729.925},{"sentences":[{"text":"Yeah.","start":1729.7999,"end":1730.2999,"sentiment":"neutral","sentiment_score":0.10480060428380966}],"sentiment":"neutral","sentiment_score":0.10480060428380966,"channel":0,"num_words":1,"start":1729.7999,"end":1730.2999},{"sentences":[{"text":"it's almost","start":1729.925,"end":1730.805,"sentiment":"neutral","sentiment_score":0.07771581411361694}],"sentiment":"neutral","sentiment_score":0.07771581411361694,"channel":1,"num_words":2,"start":1729.925,"end":1730.805},{"sentences":[{"text":"It","start":1730.6,"end":1730.84,"sentiment":"neutral","sentiment_score":0.04593215882778168}],"sentiment":"neutral","sentiment_score":0.04593215882778168,"channel":0,"num_words":1,"start":1730.6,"end":1730.84},{"sentences":[{"text":"a","start":1730.805,"end":1730.885,"sentiment":"neutral","sentiment_score":0.0886603370308876}],"sentiment":"neutral","sentiment_score":0.0886603370308876,"channel":1,"num_words":1,"start":1730.805,"end":1730.885},{"sentences":[{"text":"had","start":1730.84,"end":1731.08,"sentiment":"neutral","sentiment_score":0.07315584272146225}],"sentiment":"neutral","sentiment_score":0.07315584272146225,"channel":0,"num_words":1,"start":1730.84,"end":1731.08},{"sentences":[{"text":"20","start":1730.885,"end":1731.285,"sentiment":"neutral","sentiment_score":0.13343243300914764}],"sentiment":"neutral","sentiment_score":0.13343243300914764,"channel":1,"num_words":1,"start":1730.885,"end":1731.285},{"sentences":[{"text":"done","start":1731.08,"end":1731.3999,"sentiment":"neutral","sentiment_score":0.09902630746364594}],"sentiment":"neutral","sentiment_score":0.09902630746364594,"channel":0,"num_words":1,"start":1731.08,"end":1731.3999},{"sentences":[{"text":"five","start":1731.285,"end":1731.605,"sentiment":"neutral","sentiment_score":0.15380217134952545}],"sentiment":"neutral","sentiment_score":0.15380217134952545,"channel":1,"num_words":1,"start":1731.285,"end":1731.605},{"sentences":[{"text":"so","start":1731.3999,"end":1731.6399,"sentiment":"neutral","sentiment_score":0.08519657701253891}],"sentiment":"neutral","sentiment_score":0.08519657701253891,"channel":0,"num_words":1,"start":1731.3999,"end":1731.6399},{"sentences":[{"text":"percent","start":1731.605,"end":1731.925,"sentiment":"neutral","sentiment_score":0.2439136803150177}],"sentiment":"neutral","sentiment_score":0.2439136803150177,"channel":1,"num_words":1,"start":1731.605,"end":1731.925},{"sentences":[{"text":"well.","start":1731.6399,"end":1732.1399,"sentiment":"neutral","sentiment_score":0.07901357859373093}],"sentiment":"neutral","sentiment_score":0.07901357859373093,"channel":0,"num_words":1,"start":1731.6399,"end":1732.1399},{"sentences":[{"text":"dip.","start":1731.925,"end":1732.425,"sentiment":"neutral","sentiment_score":-0.01073494553565979},{"text":"Yeah.","start":1732.5651,"end":1733.0651,"sentiment":"neutral","sentiment_score":-0.007194978184998035}],"sentiment":"neutral","sentiment_score":-0.008964961860328913,"channel":1,"num_words":2,"start":1731.925,"end":1733.0651},{"sentences":[{"text":"Yes.","start":1732.7749,"end":1733.2749,"sentiment":"neutral","sentiment_score":0.10918612778186798}],"sentiment":"neutral","sentiment_score":0.10918612778186798,"channel":0,"num_words":1,"start":1732.7749,"end":1733.2749},{"sentences":[{"text":"And","start":1733.4451,"end":1733.685,"sentiment":"neutral","sentiment_score":0.08251575380563736}],"sentiment":"neutral","sentiment_score":0.08251575380563736,"channel":1,"num_words":1,"start":1733.4451,"end":1733.685},{"sentences":[{"text":"Yes.","start":1733.575,"end":1734.075,"sentiment":"neutral","sentiment_score":0.10571178793907166}],"sentiment":"neutral","sentiment_score":0.10571178793907166,"channel":0,"num_words":1,"start":1733.575,"end":1734.075},{"sentences":[{"text":"it's it's obviously one of the biggest not one of the biggest, but, yeah, on the top","start":1733.685,"end":1737.785,"sentiment":"neutral","sentiment_score":0.0849858708679676}],"sentiment":"neutral","sentiment_score":0.0849858708679676,"channel":1,"num_words":17,"start":1733.685,"end":1737.785},{"sentences":[{"text":"Pretty","start":1737.815,"end":1738.0549,"sentiment":"neutral","sentiment_score":0.08771653473377228}],"sentiment":"neutral","sentiment_score":0.08771653473377228,"channel":0,"num_words":1,"start":1737.815,"end":1738.0549},{"sentences":[{"text":"portfolios","start":1737.98,"end":1738.3,"sentiment":"neutral","sentiment_score":0.03904842585325241}],"sentiment":"neutral","sentiment_score":0.03904842585325241,"channel":1,"num_words":1,"start":1737.98,"end":1738.3},{"sentences":[{"text":"high","start":1738.0549,"end":1738.375,"sentiment":"neutral","sentiment_score":0.04029630124568939}],"sentiment":"neutral","sentiment_score":0.04029630124568939,"channel":0,"num_words":1,"start":1738.0549,"end":1738.375},{"sentences":[{"text":"of","start":1738.3,"end":1738.38,"sentiment":"neutral","sentiment_score":0.019913237541913983}],"sentiment":"neutral","sentiment_score":0.019913237541913983,"channel":1,"num_words":1,"start":1738.3,"end":1738.38},{"sentences":[{"text":"holding.","start":1738.375,"end":1738.875,"sentiment":"neutral","sentiment_score":0.01803731732070446}],"sentiment":"neutral","sentiment_score":0.01803731732070446,"channel":0,"num_words":1,"start":1738.375,"end":1738.875},{"sentences":[{"text":"investments.","start":1738.38,"end":1738.88,"sentiment":"neutral","sentiment_score":0.02403777465224266}],"sentiment":"neutral","sentiment_score":0.02403777465224266,"channel":1,"num_words":1,"start":1738.38,"end":1738.88},{"sentences":[{"text":"Yes.","start":1739.095,"end":1739.595,"sentiment":"neutral","sentiment_score":0.09600621461868286}],"sentiment":"neutral","sentiment_score":0.09600621461868286,"channel":0,"num_words":1,"start":1739.095,"end":1739.595},{"sentences":[{"text":"Yeah.","start":1739.26,"end":1739.76,"sentiment":"neutral","sentiment_score":0.09282541275024414}],"sentiment":"neutral","sentiment_score":0.09282541275024414,"channel":1,"num_words":1,"start":1739.26,"end":1739.76},{"sentences":[{"text":"Exactly.","start":1739.975,"end":1740.475,"sentiment":"neutral","sentiment_score":0.11725494265556335}],"sentiment":"neutral","sentiment_score":0.11725494265556335,"channel":0,"num_words":1,"start":1739.975,"end":1740.475},{"sentences":[{"text":"So I would have expected a better management","start":1740.14,"end":1743.2001,"sentiment":"neutral","sentiment_score":-0.016708082053810358}],"sentiment":"neutral","sentiment_score":-0.016708082053810358,"channel":1,"num_words":8,"start":1740.14,"end":1743.2001},{"sentences":[{"text":"Yes.","start":1743.015,"end":1743.515,"sentiment":"neutral","sentiment_score":0.13492780923843384}],"sentiment":"neutral","sentiment_score":0.13492780923843384,"channel":0,"num_words":1,"start":1743.015,"end":1743.515},{"sentences":[{"text":"of this to be fair.","start":1743.26,"end":1744.56,"sentiment":"neutral","sentiment_score":0.12176112681627274}],"sentiment":"neutral","sentiment_score":0.12176112681627274,"channel":1,"num_words":5,"start":1743.26,"end":1744.56},{"sentences":[{"text":"Exactly.","start":1744.87,"end":1745.37,"sentiment":"neutral","sentiment_score":0.10006725043058395},{"text":"Which is why","start":1745.4299,"end":1746.3099,"sentiment":"neutral","sentiment_score":0.04819503426551819}],"sentiment":"neutral","sentiment_score":0.06116308830678463,"channel":0,"num_words":4,"start":1744.87,"end":1746.3099},{"sentences":[{"text":"Yeah.","start":1746.86,"end":1747.36,"sentiment":"neutral","sentiment_score":0.06499207764863968}],"sentiment":"neutral","sentiment_score":0.06499207764863968,"channel":1,"num_words":1,"start":1746.86,"end":1747.36},{"sentences":[{"text":"so I know I'm very mindful of you leaving, so I just wanted to check.","start":1747.51,"end":1750.65,"sentiment":"neutral","sentiment_score":0.040946526204546294},{"text":"SMA, how it's different is that you invest in a portfolio.","start":1750.71,"end":1753.61,"sentiment":"neutral","sentiment_score":0.020472669465975327},{"text":"Now we invest we black with that.","start":1753.99,"end":1757.8251,"sentiment":"neutral","sentiment_score":0.012005328865987914},{"text":"So we joined their investment committee along with our investment committee to","start":1757.8251,"end":1762.305,"sentiment":"neutral","sentiment_score":0.041396075704445444}],"sentiment":"neutral","sentiment_score":0.03155972150464852,"channel":0,"num_words":45,"start":1747.51,"end":1762.305},{"sentences":[{"text":"Yeah.","start":1762.2251,"end":1762.7251,"sentiment":"neutral","sentiment_score":0.04798762872815132}],"sentiment":"neutral","sentiment_score":0.04798762872815132,"channel":1,"num_words":1,"start":1762.2251,"end":1762.7251},{"sentences":[{"text":"come up with the investment in the estimate.","start":1762.305,"end":1764.165,"sentiment":"neutral","sentiment_score":0.03131460305303335}],"sentiment":"neutral","sentiment_score":0.03131460305303335,"channel":0,"num_words":8,"start":1762.305,"end":1764.165},{"sentences":[{"text":"Yeah.","start":1764.305,"end":1764.7051,"sentiment":"neutral","sentiment_score":0.03841667249798775}],"sentiment":"neutral","sentiment_score":0.03841667249798775,"channel":1,"num_words":1,"start":1764.305,"end":1764.7051},{"sentences":[{"text":"The","start":1764.4651,"end":1764.865,"sentiment":"neutral","sentiment_score":0.021907158195972443}],"sentiment":"neutral","sentiment_score":0.021907158195972443,"channel":0,"num_words":1,"start":1764.4651,"end":1764.865},{"sentences":[{"text":"Yeah.","start":1764.7051,"end":1765.2051,"sentiment":"neutral","sentiment_score":0.033617548644542694}],"sentiment":"neutral","sentiment_score":0.033617548644542694,"channel":1,"num_words":1,"start":1764.7051,"end":1765.2051},{"sentences":[{"text":"the biggest benefit is that we can chop and change investments straight","start":1764.865,"end":1769.105,"sentiment":"neutral","sentiment_score":0.0756308368096749}],"sentiment":"neutral","sentiment_score":0.0756308368096749,"channel":0,"num_words":12,"start":1764.865,"end":1769.105},{"sentences":[{"text":"Got","start":1769.03,"end":1769.53,"sentiment":"neutral","sentiment_score":-0.09274177998304368}],"sentiment":"neutral","sentiment_score":-0.09274177998304368,"channel":1,"num_words":1,"start":1769.03,"end":1769.53},{"sentences":[{"text":"away because you are just","start":1769.105,"end":1770.865,"sentiment":"neutral","sentiment_score":-0.08117629960179329}],"sentiment":"neutral","sentiment_score":-0.08117629960179329,"channel":0,"num_words":5,"start":1769.105,"end":1770.865},{"sentences":[{"text":"it.","start":1770.63,"end":1770.87,"sentiment":"neutral","sentiment_score":-0.05632932484149933}],"sentiment":"neutral","sentiment_score":-0.05632932484149933,"channel":1,"num_words":1,"start":1770.63,"end":1770.87},{"sentences":[{"text":"invested","start":1770.865,"end":1771.3451,"sentiment":"neutral","sentiment_score":-0.01458657905459404}],"sentiment":"neutral","sentiment_score":-0.01458657905459404,"channel":0,"num_words":1,"start":1770.865,"end":1771.3451},{"sentences":[{"text":"I","start":1770.87,"end":1771.11,"sentiment":"neutral","sentiment_score":0.0022106245160102844}],"sentiment":"neutral","sentiment_score":0.0022106245160102844,"channel":1,"num_words":1,"start":1770.87,"end":1771.11},{"sentences":[{"text":"in a portfolio.","start":1771.3451,"end":1772.0851,"sentiment":"neutral","sentiment_score":0.018358311305443447}],"sentiment":"neutral","sentiment_score":0.018358311305443447,"channel":0,"num_words":3,"start":1771.3451,"end":1772.0851},{"sentences":[{"text":"yeah.","start":1772.63,"end":1773.03,"sentiment":"neutral","sentiment_score":0.05939720571041107},{"text":"Yeah.","start":1773.03,"end":1773.19,"sentiment":"neutral","sentiment_score":0.04989314079284668},{"text":"So if you can maybe schedule another time","start":1773.19,"end":1775.77,"sentiment":"neutral","sentiment_score":0.04588435497134924}],"sentiment":"neutral","sentiment_score":0.047636518627405165,"channel":1,"num_words":10,"start":1772.63,"end":1775.77},{"sentences":[{"text":"Yes.","start":1775.86,"end":1776.36,"sentiment":"neutral","sentiment_score":0.08542424440383911}],"sentiment":"neutral","sentiment_score":0.08542424440383911,"channel":0,"num_words":1,"start":1775.86,"end":1776.36},{"sentences":[{"text":"where we can","start":1776.07,"end":1776.71,"sentiment":"neutral","sentiment_score":0.0931084801753362}],"sentiment":"neutral","sentiment_score":0.0931084801753362,"channel":1,"num_words":3,"start":1776.07,"end":1776.71},{"sentences":[{"text":"We","start":1776.6599,"end":1776.82,"sentiment":"neutral","sentiment_score":0.0975458025932312}],"sentiment":"neutral","sentiment_score":0.0975458025932312,"channel":0,"num_words":1,"start":1776.6599,"end":1776.82},{"sentences":[{"text":"go","start":1776.71,"end":1776.87,"sentiment":"neutral","sentiment_score":0.12698782980442047}],"sentiment":"neutral","sentiment_score":0.12698782980442047,"channel":1,"num_words":1,"start":1776.71,"end":1776.87},{"sentences":[{"text":"can","start":1776.82,"end":1777.0599,"sentiment":"neutral","sentiment_score":0.1030786857008934}],"sentiment":"neutral","sentiment_score":0.1030786857008934,"channel":0,"num_words":1,"start":1776.82,"end":1777.0599},{"sentences":[{"text":"through in","start":1776.87,"end":1777.19,"sentiment":"neutral","sentiment_score":0.07025231420993805}],"sentiment":"neutral","sentiment_score":0.07025231420993805,"channel":1,"num_words":2,"start":1776.87,"end":1777.19},{"sentences":[{"text":"talk","start":1777.0599,"end":1777.22,"sentiment":"neutral","sentiment_score":0.0872703492641449}],"sentiment":"neutral","sentiment_score":0.0872703492641449,"channel":0,"num_words":1,"start":1777.0599,"end":1777.22},{"sentences":[{"text":"a","start":1777.19,"end":1777.35,"sentiment":"neutral","sentiment_score":0.07408732175827026}],"sentiment":"neutral","sentiment_score":0.07408732175827026,"channel":1,"num_words":1,"start":1777.19,"end":1777.35},{"sentences":[{"text":"a","start":1777.22,"end":1777.38,"sentiment":"neutral","sentiment_score":0.06453017890453339}],"sentiment":"neutral","sentiment_score":0.06453017890453339,"channel":0,"num_words":1,"start":1777.22,"end":1777.38},{"sentences":[{"text":"bit","start":1777.35,"end":1777.51,"sentiment":"neutral","sentiment_score":0.07167098671197891}],"sentiment":"neutral","sentiment_score":0.07167098671197891,"channel":1,"num_words":1,"start":1777.35,"end":1777.51},{"sentences":[{"text":"little","start":1777.38,"end":1777.62,"sentiment":"neutral","sentiment_score":0.06857840716838837}],"sentiment":"neutral","sentiment_score":0.06857840716838837,"channel":0,"num_words":1,"start":1777.38,"end":1777.62},{"sentences":[{"text":"more","start":1777.51,"end":1777.6699,"sentiment":"neutral","sentiment_score":0.05603884533047676}],"sentiment":"neutral","sentiment_score":0.05603884533047676,"channel":1,"num_words":1,"start":1777.51,"end":1777.6699},{"sentences":[{"text":"bit","start":1777.62,"end":1777.86,"sentiment":"neutral","sentiment_score":0.05953768640756607}],"sentiment":"neutral","sentiment_score":0.05953768640756607,"channel":0,"num_words":1,"start":1777.62,"end":1777.86},{"sentences":[{"text":"detail,","start":1777.6699,"end":1778.07,"sentiment":"neutral","sentiment_score":0.05861131101846695}],"sentiment":"neutral","sentiment_score":0.05861131101846695,"channel":1,"num_words":1,"start":1777.6699,"end":1778.07},{"sentences":[{"text":"more.","start":1777.86,"end":1778.26,"sentiment":"neutral","sentiment_score":0.06871581077575684}],"sentiment":"neutral","sentiment_score":0.06871581077575684,"channel":0,"num_words":1,"start":1777.86,"end":1778.26},{"sentences":[{"text":"that's","start":1778.07,"end":1778.39,"sentiment":"neutral","sentiment_score":0.09727859497070312}],"sentiment":"neutral","sentiment_score":0.09727859497070312,"channel":1,"num_words":1,"start":1778.07,"end":1778.39},{"sentences":[{"text":"Yes.","start":1778.26,"end":1778.76,"sentiment":"neutral","sentiment_score":0.15799066424369812}],"sentiment":"neutral","sentiment_score":0.15799066424369812,"channel":0,"num_words":1,"start":1778.26,"end":1778.76},{"sentences":[{"text":"fine.","start":1778.39,"end":1778.865,"sentiment":"neutral","sentiment_score":0.14736875891685486},{"text":"Just","start":1778.945,"end":1779.1849,"sentiment":"neutral","sentiment_score":0.08141589164733887}],"sentiment":"neutral","sentiment_score":0.11439232528209686,"channel":1,"num_words":2,"start":1778.39,"end":1779.1849},{"sentences":[{"text":"Yep.","start":1779.14,"end":1779.64,"sentiment":"neutral","sentiment_score":0.032087311148643494}],"sentiment":"neutral","sentiment_score":0.032087311148643494,"channel":0,"num_words":1,"start":1779.14,"end":1779.64},{"sentences":[{"text":"one question.","start":1779.1849,"end":1779.665,"sentiment":"neutral","sentiment_score":0.00865343352779746},{"text":"What is the withdrawal amount of $12,000 on this portfolio?","start":1779.665,"end":1785.045,"sentiment":"neutral","sentiment_score":-0.011623824760317803}],"sentiment":"neutral","sentiment_score":-0.008244281712298593,"channel":1,"num_words":12,"start":1779.1849,"end":1785.045},{"sentences":[{"text":"Often, it's insurances and other investment fees, admin fees, and stuff like that.","start":1786.235,"end":1793.375,"sentiment":"neutral","sentiment_score":-0.05511644797829481},{"text":"My screen has just frozen at the","start":1793.6749,"end":1795.755,"sentiment":"neutral","sentiment_score":-0.26276826219899313}],"sentiment":"neutral","sentiment_score":-0.12779458295553922,"channel":0,"num_words":20,"start":1786.235,"end":1795.755},{"sentences":[{"text":"Yeah.","start":1795.6,"end":1795.9199,"sentiment":"neutral","sentiment_score":-0.1450674831867218}],"sentiment":"neutral","sentiment_score":-0.1450674831867218,"channel":1,"num_words":1,"start":1795.6,"end":1795.9199},{"sentences":[{"text":"moment.","start":1795.755,"end":1796.255,"sentiment":"neutral","sentiment_score":-0.18307112157344815}],"sentiment":"neutral","sentiment_score":-0.18307112157344815,"channel":0,"num_words":1,"start":1795.755,"end":1796.255},{"sentences":[{"text":"But this seems to be too high in I understand investments sorry.","start":1795.9199,"end":1800.16,"sentiment":"neutral","sentiment_score":-0.2568411206205686},{"text":"Insurance and all is there, but it's probably plus","start":1800.16,"end":1803.6,"sentiment":"neutral","sentiment_score":-0.23212898605399662}],"sentiment":"neutral","sentiment_score":-0.24625020580632345,"channel":1,"num_words":21,"start":1795.9199,"end":1803.6},{"sentences":[{"text":"I","start":1803.37,"end":1803.87,"sentiment":"neutral","sentiment_score":-0.2294600605964661}],"sentiment":"neutral","sentiment_score":-0.2294600605964661,"channel":0,"num_words":1,"start":1803.37,"end":1803.87},{"sentences":[{"text":"investment.","start":1803.6,"end":1804.1,"sentiment":"neutral","sentiment_score":-0.21287423372268677},{"text":"Yeah.","start":1804.32,"end":1804.605,"sentiment":"neutral","sentiment_score":-0.01998618990182877}],"sentiment":"neutral","sentiment_score":-0.11643021181225777,"channel":1,"num_words":2,"start":1803.6,"end":1804.605},{"sentences":[{"text":"can what I can do is I can pull a withdrawal of report from Hub twenty four and email it to you as well.","start":1804.73,"end":1810.965,"sentiment":"neutral","sentiment_score":0.0463328929618001},{"text":"Just because","start":1811.0449,"end":1811.365,"sentiment":"neutral","sentiment_score":0.0028981752693653107}],"sentiment":"neutral","sentiment_score":0.04299176083161281,"channel":0,"num_words":26,"start":1804.73,"end":1811.365},{"sentences":[{"text":"Yeah.","start":1811.245,"end":1811.565,"sentiment":"neutral","sentiment_score":-0.005275454372167587}],"sentiment":"neutral","sentiment_score":-0.005275454372167587,"channel":1,"num_words":1,"start":1811.245,"end":1811.565},{"sentences":[{"text":"it's kind","start":1811.365,"end":1811.765,"sentiment":"neutral","sentiment_score":-0.019996113143861294}],"sentiment":"neutral","sentiment_score":-0.019996113143861294,"channel":0,"num_words":2,"start":1811.365,"end":1811.765},{"sentences":[{"text":"If you","start":1811.565,"end":1811.885,"sentiment":"neutral","sentiment_score":-0.0410335399210453}],"sentiment":"neutral","sentiment_score":-0.0410335399210453,"channel":1,"num_words":2,"start":1811.565,"end":1811.885},{"sentences":[{"text":"of","start":1811.765,"end":1811.9249,"sentiment":"neutral","sentiment_score":-0.06631285697221756}],"sentiment":"neutral","sentiment_score":-0.06631285697221756,"channel":0,"num_words":1,"start":1811.765,"end":1811.9249},{"sentences":[{"text":"can,","start":1811.885,"end":1812.125,"sentiment":"neutral","sentiment_score":-0.07709106057882309}],"sentiment":"neutral","sentiment_score":-0.07709106057882309,"channel":1,"num_words":1,"start":1811.885,"end":1812.125},{"sentences":[{"text":"froze","start":1811.9249,"end":1812.245,"sentiment":"neutral","sentiment_score":-0.08367002010345459}],"sentiment":"neutral","sentiment_score":-0.08367002010345459,"channel":0,"num_words":1,"start":1811.9249,"end":1812.245},{"sentences":[{"text":"please.","start":1812.125,"end":1812.625,"sentiment":"neutral","sentiment_score":-0.0725099965929985}],"sentiment":"neutral","sentiment_score":-0.0725099965929985,"channel":1,"num_words":1,"start":1812.125,"end":1812.625},{"sentences":[{"text":"frozen","start":1812.245,"end":1812.725,"sentiment":"neutral","sentiment_score":-0.029694467782974243}],"sentiment":"neutral","sentiment_score":-0.029694467782974243,"channel":0,"num_words":1,"start":1812.245,"end":1812.725},{"sentences":[{"text":"Yeah.","start":1812.6849,"end":1813.1849,"sentiment":"neutral","sentiment_score":-0.01896381378173828}],"sentiment":"neutral","sentiment_score":-0.01896381378173828,"channel":1,"num_words":1,"start":1812.6849,"end":1813.1849},{"sentences":[{"text":"at the moment.","start":1812.725,"end":1813.5449,"sentiment":"neutral","sentiment_score":-0.018889900917808216},{"text":"Now when is a good time for me to just kind of finish off this call with you?","start":1813.765,"end":1818.965,"sentiment":"neutral","sentiment_score":0.06392210928930177},{"text":"Should only maybe be another fifteen minutes to kind of","start":1818.965,"end":1824.005,"sentiment":"neutral","sentiment_score":0.03406735397875309}],"sentiment":"neutral","sentiment_score":0.04627747755617865,"channel":0,"num_words":31,"start":1812.725,"end":1824.005},{"sentences":[{"text":"Yeah.","start":1823.9,"end":1824.3,"sentiment":"neutral","sentiment_score":0.03884667158126831}],"sentiment":"neutral","sentiment_score":0.03884667158126831,"channel":1,"num_words":1,"start":1823.9,"end":1824.3},{"sentences":[{"text":"go through","start":1824.005,"end":1824.485,"sentiment":"neutral","sentiment_score":0.03803008981049061}],"sentiment":"neutral","sentiment_score":0.03803008981049061,"channel":0,"num_words":2,"start":1824.005,"end":1824.485},{"sentences":[{"text":"Maybe","start":1824.3,"end":1824.78,"sentiment":"neutral","sentiment_score":0.040616992861032486}],"sentiment":"neutral","sentiment_score":0.040616992861032486,"channel":1,"num_words":1,"start":1824.3,"end":1824.78},{"sentences":[{"text":"the rest","start":1824.485,"end":1824.885,"sentiment":"neutral","sentiment_score":0.04616122506558895}],"sentiment":"neutral","sentiment_score":0.04616122506558895,"channel":0,"num_words":2,"start":1824.485,"end":1824.885},{"sentences":[{"text":"next","start":1824.78,"end":1825.1,"sentiment":"neutral","sentiment_score":0.03634774684906006}],"sentiment":"neutral","sentiment_score":0.03634774684906006,"channel":1,"num_words":1,"start":1824.78,"end":1825.1},{"sentences":[{"text":"of there.","start":1824.885,"end":1825.5449,"sentiment":"neutral","sentiment_score":0.03629557602107525}],"sentiment":"neutral","sentiment_score":0.03629557602107525,"channel":0,"num_words":2,"start":1824.885,"end":1825.5449},{"sentences":[{"text":"week, if we","start":1825.1,"end":1825.66,"sentiment":"neutral","sentiment_score":0.11166383822758992}],"sentiment":"neutral","sentiment_score":0.11166383822758992,"channel":1,"num_words":3,"start":1825.1,"end":1825.66},{"sentences":[{"text":"Yep.","start":1825.62,"end":1826.12,"sentiment":"neutral","sentiment_score":0.13694828748703003}],"sentiment":"neutral","sentiment_score":0.13694828748703003,"channel":0,"num_words":1,"start":1825.62,"end":1826.12},{"sentences":[{"text":"can schedule half an hour, I think, like, we can get on to call next week and, yeah, do","start":1825.66,"end":1829.625,"sentiment":"neutral","sentiment_score":0.14053757175018913}],"sentiment":"neutral","sentiment_score":0.14053757175018913,"channel":1,"num_words":19,"start":1825.66,"end":1829.625},{"sentences":[{"text":"Perfect.","start":1829.62,"end":1830.12,"sentiment":"positive","sentiment_score":0.3450946807861328}],"sentiment":"positive","sentiment_score":0.3450946807861328,"channel":0,"num_words":1,"start":1829.62,"end":1830.12},{"sentences":[{"text":"that.","start":1829.625,"end":1829.945,"sentiment":"neutral","sentiment_score":0.18877214193344116},{"text":"Yep.","start":1829.945,"end":1830.445,"sentiment":"neutral","sentiment_score":0.0733252465724945}],"sentiment":"neutral","sentiment_score":0.13104869425296783,"channel":1,"num_words":2,"start":1829.625,"end":1830.445},{"sentences":[{"text":"Now now when next week?","start":1830.82,"end":1833.16,"sentiment":"neutral","sentiment_score":0.017275440506637096},{"text":"Sorry.","start":1833.3,"end":1833.8,"sentiment":"neutral","sentiment_score":-0.029469143599271774},{"text":"Do you prefer same time as now?","start":1833.94,"end":1836.6,"sentiment":"neutral","sentiment_score":-0.009344769375664847}],"sentiment":"neutral","sentiment_score":-0.0006542558996723249,"channel":0,"num_words":13,"start":1830.82,"end":1836.6},{"sentences":[{"text":"Okay.","start":1838.585,"end":1838.745,"sentiment":"neutral","sentiment_score":0.009350696578621864},{"text":"Monday sorry.","start":1838.745,"end":1839.705,"sentiment":"neutral","sentiment_score":-0.004016210325062275},{"text":"Tuesday.","start":1839.705,"end":1840.205,"sentiment":"neutral","sentiment_score":0.016886025667190552},{"text":"Yeah.","start":1840.265,"end":1840.765,"sentiment":"neutral","sentiment_score":0.03289244696497917}],"sentiment":"neutral","sentiment_score":0.010219349712133407,"channel":1,"num_words":5,"start":1838.585,"end":1840.765},{"sentences":[{"text":"So Tuesday afternoon, I am fully booked, but I can do Monday afternoon or Wednesday afternoon, same time as we did today.","start":1842.355,"end":1849.335,"sentiment":"neutral","sentiment_score":0.05846023542637175}],"sentiment":"neutral","sentiment_score":0.05846023542637175,"channel":0,"num_words":22,"start":1842.355,"end":1849.335},{"sentences":[{"text":"Can we do half an hour later on a Monday next week?","start":1850.76,"end":1854.695,"sentiment":"neutral","sentiment_score":0.06486844550818205}],"sentiment":"neutral","sentiment_score":0.06486844550818205,"channel":1,"num_words":12,"start":1850.76,"end":1854.695},{"sentences":[{"text":"Let me see.","start":1855.3301,"end":1856.31,"sentiment":"neutral","sentiment_score":0.031894258533914886},{"text":"Three.","start":1856.93,"end":1857.43,"sentiment":"neutral","sentiment_score":0.02622903883457184},{"text":"Yeah.","start":1859.81,"end":1860.13,"sentiment":"neutral","sentiment_score":0.026445379480719566},{"text":"I I can I can shuffle a few things around, and we can I can","start":1860.13,"end":1863.25,"sentiment":"neutral","sentiment_score":0.05804936091105143}],"sentiment":"neutral","sentiment_score":0.05095488037914038,"channel":0,"num_words":20,"start":1855.3301,"end":1863.25},{"sentences":[{"text":"Yep.","start":1863.235,"end":1863.735,"sentiment":"neutral","sentiment_score":0.0708419680595398}],"sentiment":"neutral","sentiment_score":0.0708419680595398,"channel":1,"num_words":1,"start":1863.235,"end":1863.735},{"sentences":[{"text":"make that work?","start":1863.25,"end":1863.945,"sentiment":"neutral","sentiment_score":0.0909903993209203},{"text":"Yep.","start":1864.105,"end":1864.4249,"sentiment":"neutral","sentiment_score":0.05435854196548462},{"text":"That","start":1864.4249,"end":1864.6649,"sentiment":"neutral","sentiment_score":0.08914067596197128}],"sentiment":"neutral","sentiment_score":0.08329408317804336,"channel":0,"num_words":5,"start":1863.25,"end":1864.6649},{"sentences":[{"text":"Yeah.","start":1864.515,"end":1864.755,"sentiment":"neutral","sentiment_score":0.0951220840215683}],"sentiment":"neutral","sentiment_score":0.0951220840215683,"channel":1,"num_words":1,"start":1864.515,"end":1864.755},{"sentences":[{"text":"is","start":1864.6649,"end":1864.9049,"sentiment":"neutral","sentiment_score":0.09191835671663284}],"sentiment":"neutral","sentiment_score":0.09191835671663284,"channel":0,"num_words":1,"start":1864.6649,"end":1864.9049},{"sentences":[{"text":"Yeah.","start":1864.755,"end":1865.255,"sentiment":"neutral","sentiment_score":0.11376385390758514}],"sentiment":"neutral","sentiment_score":0.11376385390758514,"channel":1,"num_words":1,"start":1864.755,"end":1865.255},{"sentences":[{"text":"no problem.","start":1864.9049,"end":1865.6449,"sentiment":"neutral","sentiment_score":0.18475380539894104},{"text":"So that","start":1865.865,"end":1866.2649,"sentiment":"neutral","sentiment_score":0.09670872986316681}],"sentiment":"neutral","sentiment_score":0.14073126763105392,"channel":0,"num_words":4,"start":1864.9049,"end":1866.2649},{"sentences":[{"text":"Yeah.","start":1866.0349,"end":1866.5349,"sentiment":"neutral","sentiment_score":0.06955833733081818}],"sentiment":"neutral","sentiment_score":0.06955833733081818,"channel":1,"num_words":1,"start":1866.0349,"end":1866.5349},{"sentences":[{"text":"is Monday the thirtieth, and that is 04:30 your time.","start":1866.2649,"end":1871.085,"sentiment":"neutral","sentiment_score":0.07238786853849888}],"sentiment":"neutral","sentiment_score":0.07238786853849888,"channel":0,"num_words":10,"start":1866.2649,"end":1871.085},{"sentences":[{"text":"Yep.","start":1871.28,"end":1871.78,"sentiment":"neutral","sentiment_score":0.15212619304656982}],"sentiment":"neutral","sentiment_score":0.15212619304656982,"channel":1,"num_words":1,"start":1871.28,"end":1871.78},{"sentences":[{"text":"Yep.","start":1872.0249,"end":1872.5249,"sentiment":"neutral","sentiment_score":0.26052364706993103},{"text":"Perfect.","start":1872.585,"end":1873.065,"sentiment":"positive","sentiment_score":0.6564332246780396},{"text":"Well, thank you so much for your time today, Jayesh, and I look forward","start":1873.065,"end":1875.3049,"sentiment":"positive","sentiment_score":0.6929810813495091}],"sentiment":"positive","sentiment_score":0.6636682506650686,"channel":0,"num_words":16,"start":1872.0249,"end":1875.3049},{"sentences":[{"text":"Yeah.","start":1875.28,"end":1875.78,"sentiment":"positive","sentiment_score":0.3584110736846924}],"sentiment":"positive","sentiment_score":0.3584110736846924,"channel":1,"num_words":1,"start":1875.28,"end":1875.78},{"sentences":[{"text":"to speaking with you.","start":1875.3049,"end":1876.1849,"sentiment":"neutral","sentiment_score":0.32376430928707123},{"text":"Finish this off on Monday.","start":1876.1849,"end":1877.565,"sentiment":"neutral","sentiment_score":0.24432298243045808}],"sentiment":"neutral","sentiment_score":0.27963023881117505,"channel":0,"num_words":9,"start":1875.3049,"end":1877.565},{"sentences":[{"text":"Sure.","start":1877.52,"end":1877.92,"sentiment":"neutral","sentiment_score":0.21121762692928311},{"text":"If you can just send me some details on the withdrawals as well, please.","start":1877.92,"end":1881.2999,"sentiment":"neutral","sentiment_score":0.1396478366638933}],"sentiment":"neutral","sentiment_score":0.14441915601491928,"channel":1,"num_words":15,"start":1877.52,"end":1881.2999},{"sentences":[{"text":"Yes.","start":1880.89,"end":1881.39,"sentiment":"neutral","sentiment_score":0.06131662428379059}],"sentiment":"neutral","sentiment_score":0.06131662428379059,"channel":0,"num_words":1,"start":1880.89,"end":1881.39},{"sentences":[{"text":"Would","start":1881.605,"end":1881.845,"sentiment":"neutral","sentiment_score":0.06551221013069153}],"sentiment":"neutral","sentiment_score":0.06551221013069153,"channel":1,"num_words":1,"start":1881.605,"end":1881.845},{"sentences":[{"text":"Yeah.","start":1881.61,"end":1882.11,"sentiment":"neutral","sentiment_score":0.02227715030312538}],"sentiment":"neutral","sentiment_score":0.02227715030312538,"channel":0,"num_words":1,"start":1881.61,"end":1882.11},{"sentences":[{"text":"like to understand.","start":1881.845,"end":1882.5651,"sentiment":"neutral","sentiment_score":0.012682584424813589},{"text":"And then, yeah, obviously, this could be yeah.","start":1882.5651,"end":1885.625,"sentiment":"neutral","sentiment_score":-0.07779404055327177},{"text":"Really","start":1885.685,"end":1886.185,"sentiment":"neutral","sentiment_score":-0.11983666568994522}],"sentiment":"neutral","sentiment_score":-0.05867843640347322,"channel":1,"num_words":12,"start":1881.845,"end":1886.185},{"sentences":[{"text":"Yes.","start":1886.97,"end":1887.47,"sentiment":"neutral","sentiment_score":-0.14085222780704498}],"sentiment":"neutral","sentiment_score":-0.14085222780704498,"channel":0,"num_words":1,"start":1886.97,"end":1887.47},{"sentences":[{"text":"the managed one is is yeah.","start":1887.125,"end":1888.5651,"sentiment":"negative","sentiment_score":-0.347839097181956},{"text":"It's very poorly performed.","start":1888.5651,"end":1890.3251,"sentiment":"negative","sentiment_score":-0.6024815589189529},{"text":"So","start":1890.3251,"end":1890.8251,"sentiment":"neutral","sentiment_score":-0.2727034389972687}],"sentiment":"negative","sentiment_score":-0.4336058416149833,"channel":1,"num_words":11,"start":1887.125,"end":1890.8251},{"sentences":[{"text":"Exactly.","start":1890.905,"end":1891.405,"sentiment":"neutral","sentiment_score":-0.26232582330703735},{"text":"So we do wanna","start":1891.465,"end":1892.105,"sentiment":"neutral","sentiment_score":-0.11565401963889599}],"sentiment":"neutral","sentiment_score":-0.14498838037252426,"channel":0,"num_words":5,"start":1890.905,"end":1892.105},{"sentences":[{"text":"yeah.","start":1892.0851,"end":1892.5851,"sentiment":"neutral","sentiment_score":-0.11578934639692308}],"sentiment":"neutral","sentiment_score":-0.11578934639692308,"channel":1,"num_words":1,"start":1892.0851,"end":1892.5851},{"sentences":[{"text":"look at swapping that out as soon as we can.","start":1892.105,"end":1894.365,"sentiment":"neutral","sentiment_score":-0.11606511250138282}],"sentiment":"neutral","sentiment_score":-0.11606511250138282,"channel":0,"num_words":10,"start":1892.105,"end":1894.365},{"sentences":[{"text":"Yeah.","start":1894.405,"end":1894.725,"sentiment":"neutral","sentiment_score":-0.013859644532203674},{"text":"Yeah.","start":1894.725,"end":1894.965,"sentiment":"neutral","sentiment_score":-0.004233421757817268},{"text":"Absolutely.","start":1894.965,"end":1895.465,"sentiment":"neutral","sentiment_score":0.011983055621385574}],"sentiment":"neutral","sentiment_score":-0.002036670222878456,"channel":1,"num_words":3,"start":1894.405,"end":1895.465},{"sentences":[{"text":"Sorry.","start":1896.1849,"end":1896.6849,"sentiment":"neutral","sentiment_score":-0.09114199876785278}],"sentiment":"neutral","sentiment_score":-0.09114199876785278,"channel":0,"num_words":1,"start":1896.1849,"end":1896.6849},{"sentences":[{"text":"So why was it left for so long in the portfolio if","start":1897.84,"end":1902.32,"sentiment":"neutral","sentiment_score":-0.12874172690014044}],"sentiment":"neutral","sentiment_score":-0.12874172690014044,"channel":1,"num_words":12,"start":1897.84,"end":1902.32},{"sentences":[{"text":"So","start":1902.15,"end":1902.65,"sentiment":"neutral","sentiment_score":-0.13290894031524658}],"sentiment":"neutral","sentiment_score":-0.13290894031524658,"channel":0,"num_words":1,"start":1902.15,"end":1902.65},{"sentences":[{"text":"it was underperforming and you guys","start":1902.32,"end":1904.72,"sentiment":"neutral","sentiment_score":-0.2661912168065707}],"sentiment":"neutral","sentiment_score":-0.2661912168065707,"channel":1,"num_words":6,"start":1902.32,"end":1904.72},{"sentences":[{"text":"it","start":1904.63,"end":1904.7101,"sentiment":"neutral","sentiment_score":-0.23753805458545685}],"sentiment":"neutral","sentiment_score":-0.23753805458545685,"channel":0,"num_words":1,"start":1904.63,"end":1904.7101},{"sentences":[{"text":"had some signals","start":1904.72,"end":1906.02,"sentiment":"neutral","sentiment_score":-0.23308098316192627}],"sentiment":"neutral","sentiment_score":-0.23308098316192627,"channel":1,"num_words":3,"start":1904.72,"end":1906.02},{"sentences":[{"text":"yeah.","start":1905.91,"end":1906.41,"sentiment":"neutral","sentiment_score":-0.21276117861270905}],"sentiment":"neutral","sentiment_score":-0.21276117861270905,"channel":0,"num_words":1,"start":1905.91,"end":1906.41},{"sentences":[{"text":"on it going down?","start":1906.08,"end":1907.38,"sentiment":"neutral","sentiment_score":-0.19258498027920723}],"sentiment":"neutral","sentiment_score":-0.19258498027920723,"channel":1,"num_words":4,"start":1906.08,"end":1907.38},{"sentences":[{"text":"So it's more of we've always it takes some time because you don't wanna make changes quickly because you don't wanna sell out while it's a loss because that mean you are crystallizing the losses.","start":1907.91,"end":1917.825,"sentiment":"neutral","sentiment_score":-0.2372889974287578},{"text":"So there is a lot of obviously extensive research for the investment committee to obviously decide that it might not be the best thing moving forward.","start":1917.9049,"end":1925.505,"sentiment":"neutral","sentiment_score":-0.282772445334838},{"text":"And because they historically have done so well, you also don't wanna pull the trigger too quickly because you also wanna make sure that if you're gonna come back around, then you wanna sell when it comes up a little bit.","start":1925.505,"end":1935.6,"sentiment":"neutral","sentiment_score":-0.11505356158425169},{"text":"You don't wanna sell at the bottom unless you see it not going up.","start":1935.6,"end":1939.86,"sentiment":"neutral","sentiment_score":-0.22424848271267755},{"text":"So it's only been more recently where the investment committee made the decision that we wanna look at swapping that out.","start":1940.64,"end":1947.22,"sentiment":"neutral","sentiment_score":-0.07684626075483504}],"sentiment":"neutral","sentiment_score":-0.18341346531018723,"channel":0,"num_words":137,"start":1907.91,"end":1947.22},{"sentences":[{"text":"Before then.","start":1948.525,"end":1949.165,"sentiment":"neutral","sentiment_score":-0.04083568602800369},{"text":"You wanna give it some time as well to make sure if it's gonna come back around and if it's a bit more of of a good investment because you don't wanna sell at the bottom unless you have to.","start":1949.165,"end":1959.425,"sentiment":"neutral","sentiment_score":-0.04351696241647005}],"sentiment":"neutral","sentiment_score":-0.04338928258844784,"channel":0,"num_words":42,"start":1948.525,"end":1959.425},{"sentences":[{"text":"Yeah.","start":1961.915,"end":1962.3151,"sentiment":"neutral","sentiment_score":0.018607936799526215},{"text":"Yeah.","start":1962.3151,"end":1962.635,"sentiment":"neutral","sentiment_score":0.029522061347961422},{"text":"I would want some details on the on the overall portfolio as well.","start":1962.635,"end":1966.8151,"sentiment":"neutral","sentiment_score":0.0326811745762825}],"sentiment":"neutral","sentiment_score":0.03153235117594401,"channel":1,"num_words":15,"start":1961.915,"end":1966.8151},{"sentences":[{"text":"Mhmm.","start":1967.18,"end":1967.68,"sentiment":"neutral","sentiment_score":-0.0001945914700627327}],"sentiment":"neutral","sentiment_score":-0.0001945914700627327,"channel":0,"num_words":1,"start":1967.18,"end":1967.68},{"sentences":[{"text":"If I look at the start of the period, $1.85 k, and if I look just look at the bottom line.","start":1968.635,"end":1973.25,"sentiment":"neutral","sentiment_score":-0.003400683170184493},{"text":"Right?","start":1973.25,"end":1973.75,"sentiment":"neutral","sentiment_score":0.02342437580227852},{"text":"Bottom second page.","start":1973.97,"end":1975.43,"sentiment":"neutral","sentiment_score":0.02029532256225745}],"sentiment":"neutral","sentiment_score":0.0006790283368900418,"channel":1,"num_words":25,"start":1968.635,"end":1975.43},{"sentences":[{"text":"Mhmm.","start":1975.915,"end":1976.415,"sentiment":"neutral","sentiment_score":0.04283028095960617}],"sentiment":"neutral","sentiment_score":0.04283028095960617,"channel":0,"num_words":1,"start":1975.915,"end":1976.415},{"sentences":[{"text":"$185 at the start investments of 31,000, which is basically a super contribution, I believe.","start":1976.29,"end":1981.65,"sentiment":"neutral","sentiment_score":0.14654527554909388},{"text":"$31,004.81 binds.","start":1981.65,"end":1984.39,"sentiment":"neutral","sentiment_score":0.11197003349661827},{"text":"That, I believe, is the super from super contribution.","start":1984.61,"end":1987.27,"sentiment":"neutral","sentiment_score":0.2148432864083184}],"sentiment":"neutral","sentiment_score":0.16752726068863502,"channel":1,"num_words":26,"start":1976.29,"end":1987.27},{"sentences":[{"text":"Yes.","start":1987.4501,"end":1987.77,"sentiment":"neutral","sentiment_score":0.191011905670166},{"text":"Yep.","start":1987.77,"end":1988.17,"sentiment":"neutral","sentiment_score":0.1846449375152588},{"text":"Exactly.","start":1988.17,"end":1988.67,"sentiment":"neutral","sentiment_score":0.1902060508728027},{"text":"Yeah.","start":1988.81,"end":1989.31,"sentiment":"neutral","sentiment_score":0.15927910804748535}],"sentiment":"neutral","sentiment_score":0.18128550052642822,"channel":0,"num_words":4,"start":1987.4501,"end":1989.31},{"sentences":[{"text":"That would put me at $2,215,000, and","start":1989.5349,"end":1994.9149,"sentiment":"neutral","sentiment_score":0.14910890374864852}],"sentiment":"neutral","sentiment_score":0.14910890374864852,"channel":1,"num_words":7,"start":1989.5349,"end":1994.9149},{"sentences":[{"text":"Mhmm.","start":1996.9851,"end":1997.4851,"sentiment":"neutral","sentiment_score":0.07075604796409607}],"sentiment":"neutral","sentiment_score":0.07075604796409607,"channel":0,"num_words":1,"start":1996.9851,"end":1997.4851},{"sentences":[{"text":"I would then expect certain growth, which would then pay off the fees and the insurances.","start":1998.0149,"end":2005.4401,"sentiment":"neutral","sentiment_score":0.03606366220628843}],"sentiment":"neutral","sentiment_score":0.03606366220628843,"channel":1,"num_words":16,"start":1998.0149,"end":2005.4401},{"sentences":[{"text":"Like insurances?","start":2005.2251,"end":2006.125,"sentiment":"neutral","sentiment_score":-0.0019682967104017735},{"text":"Yep.","start":2006.425,"end":2006.925,"sentiment":"neutral","sentiment_score":0.05100594088435173}],"sentiment":"neutral","sentiment_score":0.015689782487849396,"channel":0,"num_words":3,"start":2005.2251,"end":2006.925},{"sentences":[{"text":"So, ideally so the market value is actually less than the starting position plus the deposits made in that, just 110,000.","start":2009.5,"end":2018.695,"sentiment":"neutral","sentiment_score":-0.008475710770913534},{"text":"Right?","start":2018.695,"end":2019.015,"sentiment":"neutral","sentiment_score":0.0056418683379888535},{"text":"Just","start":2019.015,"end":2019.335,"sentiment":"neutral","sentiment_score":-0.08355692028999329}],"sentiment":"neutral","sentiment_score":-0.011126303397442984,"channel":1,"num_words":23,"start":2009.5,"end":2019.335},{"sentences":[{"text":"It's","start":2019.17,"end":2019.41,"sentiment":"neutral","sentiment_score":-0.16205711662769318}],"sentiment":"neutral","sentiment_score":-0.16205711662769318,"channel":0,"num_words":1,"start":2019.17,"end":2019.41},{"sentences":[{"text":"just","start":2019.335,"end":2019.495,"sentiment":"neutral","sentiment_score":-0.17117363214492798}],"sentiment":"neutral","sentiment_score":-0.17117363214492798,"channel":1,"num_words":1,"start":2019.335,"end":2019.495},{"sentences":[{"text":"still","start":2019.41,"end":2019.91,"sentiment":"neutral","sentiment_score":-0.26650726795196533}],"sentiment":"neutral","sentiment_score":-0.26650726795196533,"channel":0,"num_words":1,"start":2019.41,"end":2019.91},{"sentences":[{"text":"on that basis, it is less.","start":2019.495,"end":2021.115,"sentiment":"neutral","sentiment_score":-0.21228031814098358},{"text":"So I'm just yeah.","start":2021.1749,"end":2022.215,"sentiment":"neutral","sentiment_score":-0.07036842405796051},{"text":"A little","start":2022.215,"end":2022.7949,"sentiment":"neutral","sentiment_score":-0.08804604411125183}],"sentiment":"neutral","sentiment_score":-0.14427064110835394,"channel":1,"num_words":12,"start":2019.495,"end":2022.7949},{"sentences":[{"text":"yeah.","start":2023.505,"end":2024.005,"sentiment":"neutral","sentiment_score":-0.06795437633991241}],"sentiment":"neutral","sentiment_score":-0.06795437633991241,"channel":0,"num_words":1,"start":2023.505,"end":2024.005},{"sentences":[{"text":"I'm","start":2024.0549,"end":2024.2949,"sentiment":"neutral","sentiment_score":-0.05039854347705841}],"sentiment":"neutral","sentiment_score":-0.05039854347705841,"channel":1,"num_words":1,"start":2024.0549,"end":2024.2949},{"sentences":[{"text":"So","start":2024.225,"end":2024.545,"sentiment":"neutral","sentiment_score":-0.11524824798107149}],"sentiment":"neutral","sentiment_score":-0.11524824798107149,"channel":0,"num_words":1,"start":2024.225,"end":2024.545},{"sentences":[{"text":"not able","start":2024.2949,"end":2024.695,"sentiment":"neutral","sentiment_score":-0.18778279423713684}],"sentiment":"neutral","sentiment_score":-0.18778279423713684,"channel":1,"num_words":2,"start":2024.2949,"end":2024.695},{"sentences":[{"text":"it's","start":2024.545,"end":2025.045,"sentiment":"neutral","sentiment_score":-0.18793579936027527}],"sentiment":"neutral","sentiment_score":-0.18793579936027527,"channel":0,"num_words":1,"start":2024.545,"end":2025.045},{"sentences":[{"text":"to understand","start":2024.695,"end":2025.355,"sentiment":"neutral","sentiment_score":-0.240373894572258}],"sentiment":"neutral","sentiment_score":-0.240373894572258,"channel":1,"num_words":2,"start":2024.695,"end":2025.355},{"sentences":[{"text":"no.","start":2025.985,"end":2026.385,"sentiment":"neutral","sentiment_score":-0.23293104767799375}],"sentiment":"neutral","sentiment_score":-0.23293104767799375,"channel":0,"num_words":1,"start":2025.985,"end":2026.385},{"sentences":[{"text":"why is","start":2026.0549,"end":2026.615,"sentiment":"neutral","sentiment_score":-0.11634943261742592}],"sentiment":"neutral","sentiment_score":-0.11634943261742592,"channel":1,"num_words":2,"start":2026.0549,"end":2026.615},{"sentences":[{"text":"That's","start":2026.385,"end":2026.885,"sentiment":"neutral","sentiment_score":-0.17090927064418793}],"sentiment":"neutral","sentiment_score":-0.17090927064418793,"channel":0,"num_words":1,"start":2026.385,"end":2026.885},{"sentences":[{"text":"there so much of downtrend in the portfolio and what is the withdrawal amount of 12,200?","start":2026.615,"end":2031.97,"sentiment":"neutral","sentiment_score":-0.20889682369306684}],"sentiment":"neutral","sentiment_score":-0.20889682369306684,"channel":1,"num_words":16,"start":2026.615,"end":2031.97},{"sentences":[{"text":"yeah.","start":2032.225,"end":2032.465,"sentiment":"neutral","sentiment_score":-0.04038451611995697},{"text":"So what I'll do, because I know you might full time, I will get the withdrawal amount emailed through so you have it before call on Monday.","start":2032.465,"end":2038.49,"sentiment":"neutral","sentiment_score":0.07296910302506553},{"text":"I'll also send you some more information on the estimate so that you can again read up on it to see if it's something that you are interested in.","start":2038.7101,"end":2046.49,"sentiment":"neutral","sentiment_score":0.17342657827097793},{"text":"And in this report, it shows you that even though you've had fees come out, it's still gone up only by about 3.6, but it's still up.","start":2047.1901,"end":2057.2249,"sentiment":"neutral","sentiment_score":-0.11089996234686286},{"text":"So it hasn't grown as much, but it's still not down even after fees.","start":2057.525,"end":2062.17,"sentiment":"neutral","sentiment_score":-0.2260533645749092}],"sentiment":"neutral","sentiment_score":0.008164346408174962,"channel":0,"num_words":98,"start":2032.225,"end":2062.17},{"sentences":[{"text":"So even in the the period, it's still gone up a little bit.","start":2062.5698,"end":2068.0898,"sentiment":"neutral","sentiment_score":-0.29911036216295683},{"text":"So what I'll do is, like I said, I can send you this oh, you have it already, but I can send the portfolio withdrawals so that you have that in detail,","start":2068.0898,"end":2076.1099,"sentiment":"neutral","sentiment_score":0.10152709053363651}],"sentiment":"neutral","sentiment_score":-0.01421261802315712,"channel":0,"num_words":45,"start":2062.5698,"end":2076.1099},{"sentences":[{"text":"Yep.","start":2075.675,"end":2076.175,"sentiment":"neutral","sentiment_score":0.10370241850614548}],"sentiment":"neutral","sentiment_score":0.10370241850614548,"channel":1,"num_words":1,"start":2075.675,"end":2076.175},{"sentences":[{"text":"a bit more information in regards to the SMA.","start":2076.365,"end":2079.905,"sentiment":"neutral","sentiment_score":0.07626084900564617},{"text":"If you have any other questions and stuff that you can think of, though, just please write them down, and we can go through it next Monday when","start":2080.365,"end":2086.045,"sentiment":"neutral","sentiment_score":0.09797020416174616}],"sentiment":"neutral","sentiment_score":0.09268955020485697,"channel":0,"num_words":37,"start":2076.365,"end":2086.045},{"sentences":[{"text":"Yeah.","start":2086.01,"end":2086.51,"sentiment":"neutral","sentiment_score":0.1012422740459442}],"sentiment":"neutral","sentiment_score":0.1012422740459442,"channel":1,"num_words":1,"start":2086.01,"end":2086.51},{"sentences":[{"text":"we kind of finish off the under review.","start":2086.045,"end":2088.065,"sentiment":"neutral","sentiment_score":0.11310240812599659},{"text":"And then following the under review, I will go and do the research to then see which investments we wanna change for you potentially to make sure we have you in a better position.","start":2088.365,"end":2097.74,"sentiment":"neutral","sentiment_score":0.2197461349560934}],"sentiment":"neutral","sentiment_score":0.19943304413131305,"channel":0,"num_words":42,"start":2086.045,"end":2097.74},{"sentences":[{"text":"Yeah.","start":2099.2249,"end":2099.545,"sentiment":"neutral","sentiment_score":0.051191844046115875},{"text":"I would, yeah, I would want to go through, the details","start":2099.545,"end":2102.505,"sentiment":"neutral","sentiment_score":0.18024359372529117}],"sentiment":"neutral","sentiment_score":0.16948928125202656,"channel":1,"num_words":12,"start":2099.2249,"end":2102.505},{"sentences":[{"text":"Yes.","start":2102.28,"end":2102.78,"sentiment":"neutral","sentiment_score":0.10545750707387924}],"sentiment":"neutral","sentiment_score":0.10545750707387924,"channel":0,"num_words":1,"start":2102.28,"end":2102.78},{"sentences":[{"text":"on Monday.","start":2102.505,"end":2102.9849,"sentiment":"neutral","sentiment_score":0.0963069275021553},{"text":"Yeah.","start":2102.9849,"end":2103.145,"sentiment":"neutral","sentiment_score":0.08407957851886749},{"text":"So I'll probably","start":2103.145,"end":2103.785,"sentiment":"neutral","sentiment_score":0.050538008411725364}],"sentiment":"neutral","sentiment_score":0.0713845764597257,"channel":1,"num_words":6,"start":2102.505,"end":2103.785},{"sentences":[{"text":"Yes.","start":2103.495,"end":2103.995,"sentiment":"neutral","sentiment_score":0.018651802092790604}],"sentiment":"neutral","sentiment_score":0.018651802092790604,"channel":0,"num_words":1,"start":2103.495,"end":2103.995},{"sentences":[{"text":"have few questions","start":2103.785,"end":2104.97,"sentiment":"neutral","sentiment_score":0.009425710886716843}],"sentiment":"neutral","sentiment_score":0.009425710886716843,"channel":1,"num_words":3,"start":2103.785,"end":2104.97},{"sentences":[{"text":"No.","start":2105.175,"end":2105.495,"sentiment":"neutral","sentiment_score":-0.02043534070253372}],"sentiment":"neutral","sentiment_score":-0.02043534070253372,"channel":0,"num_words":1,"start":2105.175,"end":2105.495},{"sentences":[{"text":"for you","start":2105.19,"end":2105.59,"sentiment":"neutral","sentiment_score":0.020129092037677765}],"sentiment":"neutral","sentiment_score":0.020129092037677765,"channel":1,"num_words":2,"start":2105.19,"end":2105.59},{"sentences":[{"text":"And","start":2105.495,"end":2105.8152,"sentiment":"neutral","sentiment_score":0.008830040693283081}],"sentiment":"neutral","sentiment_score":0.008830040693283081,"channel":0,"num_words":1,"start":2105.495,"end":2105.8152},{"sentences":[{"text":"on Monday.","start":2105.59,"end":2106.25,"sentiment":"neutral","sentiment_score":0.05060401000082493}],"sentiment":"neutral","sentiment_score":0.05060401000082493,"channel":1,"num_words":2,"start":2105.59,"end":2106.25},{"sentences":[{"text":"by all means, write it down so we can go through everything together.","start":2105.8152,"end":2108.875,"sentiment":"neutral","sentiment_score":0.13681310014082834}],"sentiment":"neutral","sentiment_score":0.13681310014082834,"channel":0,"num_words":13,"start":2105.8152,"end":2108.875},{"sentences":[{"text":"Yeah.","start":2109.03,"end":2109.43,"sentiment":"neutral","sentiment_score":0.10111811012029648},{"text":"Yeah.","start":2109.43,"end":2109.93,"sentiment":"neutral","sentiment_score":0.09715370833873747}],"sentiment":"neutral","sentiment_score":0.09913590922951698,"channel":1,"num_words":2,"start":2109.03,"end":2109.93},{"sentences":[{"text":"Yep.","start":2109.895,"end":2110.395,"sentiment":"neutral","sentiment_score":0.11120331287384032}],"sentiment":"neutral","sentiment_score":0.11120331287384032,"channel":0,"num_words":1,"start":2109.895,"end":2110.395},{"sentences":[{"text":"Yeah.","start":2110.07,"end":2110.47,"sentiment":"neutral","sentiment_score":0.10875891894102097}],"sentiment":"neutral","sentiment_score":0.10875891894102097,"channel":1,"num_words":1,"start":2110.07,"end":2110.47},{"sentences":[{"text":"Okay.","start":2110.455,"end":2110.955,"sentiment":"neutral","sentiment_score":0.08824425935745239}],"sentiment":"neutral","sentiment_score":0.08824425935745239,"channel":0,"num_words":1,"start":2110.455,"end":2110.955},{"sentences":[{"text":"But it it's not looking a little rosy to me on the first instance.","start":2110.47,"end":2114.01,"sentiment":"neutral","sentiment_score":-0.18151340154664858}],"sentiment":"neutral","sentiment_score":-0.18151340154664858,"channel":1,"num_words":14,"start":2110.47,"end":2114.01},{"sentences":[{"text":"Yeah.","start":2114.5352,"end":2114.7751,"sentiment":"neutral","sentiment_score":0.09268392622470856},{"text":"And","start":2114.7751,"end":2115.0151,"sentiment":"neutral","sentiment_score":0.09197431802749634}],"sentiment":"neutral","sentiment_score":0.09232912212610245,"channel":0,"num_words":2,"start":2114.5352,"end":2115.0151},{"sentences":[{"text":"So","start":2114.8699,"end":2115.11,"sentiment":"neutral","sentiment_score":0.13311012089252472}],"sentiment":"neutral","sentiment_score":0.13311012089252472,"channel":1,"num_words":1,"start":2114.8699,"end":2115.11},{"sentences":[{"text":"it it's","start":2115.0151,"end":2115.3352,"sentiment":"neutral","sentiment_score":0.1905573084950447}],"sentiment":"neutral","sentiment_score":0.1905573084950447,"channel":0,"num_words":2,"start":2115.0151,"end":2115.3352},{"sentences":[{"text":"yeah.","start":2115.19,"end":2115.59,"sentiment":"neutral","sentiment_score":0.17109087109565735}],"sentiment":"neutral","sentiment_score":0.17109087109565735,"channel":1,"num_words":1,"start":2115.19,"end":2115.59},{"sentences":[{"text":"good to","start":2115.3352,"end":2115.8152,"sentiment":"neutral","sentiment_score":0.3330545872449875}],"sentiment":"neutral","sentiment_score":0.3330545872449875,"channel":0,"num_words":2,"start":2115.3352,"end":2115.8152},{"sentences":[{"text":"Alright.","start":2115.59,"end":2116.005,"sentiment":"neutral","sentiment_score":0.24886956810951233}],"sentiment":"neutral","sentiment_score":0.24886956810951233,"channel":1,"num_words":1,"start":2115.59,"end":2116.005},{"sentences":[{"text":"to go through it.","start":2115.8152,"end":2116.695,"sentiment":"neutral","sentiment_score":0.3085099458694458},{"text":"But, yes, like I said, I will send this through to you, and we'll go through everything together on Monday.","start":2116.695,"end":2122.8699,"sentiment":"positive","sentiment_score":0.3394107989966869}],"sentiment":"positive","sentiment_score":0.3342606568088134,"channel":0,"num_words":24,"start":2115.8152,"end":2122.8699},{"sentences":[{"text":"Yeah.","start":2123.2048,"end":2123.7048,"sentiment":"neutral","sentiment_score":0.2183343470096588}],"sentiment":"neutral","sentiment_score":0.2183343470096588,"channel":1,"num_words":1,"start":2123.2048,"end":2123.7048},{"sentences":[{"text":"Yep.","start":2124.29,"end":2124.79,"sentiment":"neutral","sentiment_score":0.2748739421367645}],"sentiment":"neutral","sentiment_score":0.2748739421367645,"channel":0,"num_words":1,"start":2124.29,"end":2124.79},{"sentences":[{"text":"Sure.","start":2124.7249,"end":2125.125,"sentiment":"positive","sentiment_score":0.4887925386428833}],"sentiment":"positive","sentiment_score":0.4887925386428833,"channel":1,"num_words":1,"start":2124.7249,"end":2125.125},{"sentences":[{"text":"Perfect.","start":2124.93,"end":2125.25,"sentiment":"positive","sentiment_score":0.7844196557998657}],"sentiment":"positive","sentiment_score":0.7844196557998657,"channel":0,"num_words":1,"start":2124.93,"end":2125.25},{"sentences":[{"text":"Thanks.","start":2125.125,"end":2125.625,"sentiment":"positive","sentiment_score":0.7498677968978882}],"sentiment":"positive","sentiment_score":0.7498677968978882,"channel":1,"num_words":1,"start":2125.125,"end":2125.625},{"sentences":[{"text":"Well, thank you so much for your","start":2125.25,"end":2126.53,"sentiment":"positive","sentiment_score":0.7868576986449105}],"sentiment":"positive","sentiment_score":0.7868576986449105,"channel":0,"num_words":7,"start":2125.25,"end":2126.53},{"sentences":[{"text":"Bye.","start":2126.4048,"end":2126.9048,"sentiment":"positive","sentiment_score":0.6314036846160889}],"sentiment":"positive","sentiment_score":0.6314036846160889,"channel":1,"num_words":1,"start":2126.4048,"end":2126.9048},{"sentences":[{"text":"time, and I look forward","start":2126.53,"end":2127.41,"sentiment":"positive","sentiment_score":0.5873241305351258}],"sentiment":"positive","sentiment_score":0.5873241305351258,"channel":0,"num_words":5,"start":2126.53,"end":2127.41},{"sentences":[{"text":"Yeah.","start":2127.2048,"end":2127.7048,"sentiment":"positive","sentiment_score":0.3814976215362549}],"sentiment":"positive","sentiment_score":0.3814976215362549,"channel":1,"num_words":1,"start":2127.2048,"end":2127.7048},{"sentences":[{"text":"to speaking with you Monday.","start":2127.41,"end":2128.63,"sentiment":"positive","sentiment_score":0.6156088829040527}],"sentiment":"positive","sentiment_score":0.6156088829040527,"channel":0,"num_words":5,"start":2127.41,"end":2128.63},{"sentences":[{"text":"Cheers.","start":2128.6448,"end":2129.045,"sentiment":"positive","sentiment_score":0.683152437210083},{"text":"Bye.","start":2129.045,"end":2129.545,"sentiment":"positive","sentiment_score":0.3652421832084656}],"sentiment":"positive","sentiment_score":0.5241973102092743,"channel":1,"num_words":2,"start":2128.6448,"end":2129.545},{"sentences":[{"text":"Bye.","start":2129.8098,"end":2130.3098,"sentiment":"neutral","sentiment_score":-0.13027796149253845}],"sentiment":"neutral","sentiment_score":-0.13027796149253845,"channel":0,"num_words":1,"start":2129.8098,"end":2130.3098}]},"summary":{"result":"success","short":"The representative from Oakview Financial explains to the customer that they can make up to $250 a month in a 125% contribution for the next 12 months and that there is no limit on the contribution amount. The agent sends an email to review the customer's documents and explains the scenarios they can take. They also discuss the benefits of investing in equities and the importance of regular contributions to maintaining healthy investments. The speaker emphasizes the importance of investing in equities and suggests reviewing the portfolio and possibly swapping it out for something else. They also discuss the retirement of a portfolio and schedule a call for the next week to discuss withdrawal amounts and schedule a call for the following week."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start_word":85,"end_word":110,"intents":[{"intent":"Confirm details","confidence_score":0.045329485},{"intent":"Confirm information","confidence_score":0.01971529},{"intent":"Confirm identity","confidence_score":0.39056295}]},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Date of birth twenty first September nineteen eighty. And address is 20 Elkhorn Way, Point Cook, Victoria 3030. Perfect.","start_word":85,"end_word":129,"intents":[{"intent":"Confirm payment","confidence_score":0.00021308435},{"intent":"Provide information","confidence_score":0.06514729}]},{"text":"And address is 20 Elkhorn Way, Point Cook, Victoria 3030. Perfect.","start_word":119,"end_word":129,"intents":[{"intent":"Confirm location","confidence_score":0.015340924}]},{"text":"And I can see here that you your main kind of question was in regards to making additional kind of lump sum contributions for your children? Yeah.","start_word":187,"end_word":213,"intents":[{"intent":"Make contributions","confidence_score":0.0037950228}]},{"text":"So, basically, if you because I think you're doing the $250 per month contributions. Is that correct?","start_word":403,"end_word":419,"intents":[{"intent":"Inquire about contributions","confidence_score":0.004963344}]},{"text":"So if I look at one of my child, so I I made an initial contribution of $10,000 yep. last April 20 twenty second April twenty twenty five. And Yep. then from there on, May onwards, I've been making $250 as a regular contribution. So Yep.","start_word":732,"end_word":777,"intents":[{"intent":"Make a contribution","confidence_score":0.3444825}]},{"text":"I think the total contribution is whatever, 13,000, sorry, $12,007.50.","start_word":777,"end_word":786,"intents":[{"intent":"Confirm contributions","confidence_score":0.0016220916}]},{"text":"year's max investment I can do is 125% of the $12,007.50. Correct.","start_word":817,"end_word":828,"intents":[{"intent":"Determine maximum investment amount","confidence_score":0.001689179}]},{"text":"year's max investment I can do is 125% of the $12,007.50. Correct. Is that correct?","start_word":817,"end_word":831,"intents":[{"intent":"Confirm investment amount","confidence_score":0.0011434504}]},{"text":"continue doing $250 as a regular basis. Yeah?","start_word":905,"end_word":912,"intents":[{"intent":"Continue regular contributions","confidence_score":0.026129805}]},{"text":"It would then reset the time frame. But to get around that, you could open up, like, another one, for example. That is the only kind of downside by decreasing for the next couple of years if it is something that you want to do. But you don't have to do a 125 at all. You can decide to do just keeping it exactly the same for the whole duration of the bond.","start_word":1008,"end_word":1080,"intents":[{"intent":"Reset timeframe","confidence_score":0.006221632}]},{"text":"50 per month for for the rest of the duration. You don't have to change it. It just allows you to do up to a max of that amount. Okay.","start_word":1087,"end_word":1116,"intents":[{"intent":"Manage account balance","confidence_score":0.00007015697}]},{"text":"So if you put money So the in first five at years first five years doesn't become tax free. Is that what you mean? correct.","start_word":1447,"end_word":1471,"intents":[{"intent":"Confirm tax-freeness rule","confidence_score":0.000032692064},{"intent":"Explain tax-free rule","confidence_score":0.0018826238},{"intent":"Explain tax-free rule","confidence_score":0.010334119}]},{"text":"So if it just resets the time frame if you stop for Right.","start_word":1472,"end_word":1484,"intents":[{"intent":"Reset time frame","confidence_score":0.54104865},{"intent":"Change time frame","confidence_score":0.01301525}]},{"text":"So if it just resets the time frame if you stop for Right. twelve months.","start_word":1472,"end_word":1486,"intents":[{"intent":"Clarify time frame","confidence_score":0.009697833}]},{"text":"But let's say if you have it that your time frame is ideally fifteen years, let's say, then Yeah. you can reset the time frame. It doesn't really matter because you don't wanna take the money out for fifteen years anyway. So Yeah.","start_word":1513,"end_word":1555,"intents":[{"intent":"Express uncertainty about time frame","confidence_score":0.0001261008}]},{"text":"It's better to continue. That's what Yes.","start_word":1588,"end_word":1594,"intents":[{"intent":"Decline change","confidence_score":0.0008130323}]},{"text":"if the amount decreases? So let's say instead of $2.50, Yep. let's say for a year, I just want to bring it down to $200. Yep.","start_word":1602,"end_word":1627,"intents":[{"intent":"Suggest decreasing amount","confidence_score":0.00058725505}]},{"text":"So let's say instead of $2.50, Yep. let's say for a year, I just want to bring it down to $200. Yep. Does that impact as well or does it doesn't impact? It does.","start_word":1606,"end_word":1639,"intents":[{"intent":"Clarify impact on dollar amount","confidence_score":0.000040675524}]},{"text":"Does that impact as well or does it doesn't impact? It does.","start_word":1628,"end_word":1639,"intents":[{"intent":"Clarify impact on time frame","confidence_score":0.02701724},{"intent":"Identify impact on money","confidence_score":0.00047230144},{"intent":"Clarify impact on time frame","confidence_score":0.037632473},{"intent":"Clarify impact on money","confidence_score":0.023189576},{"intent":"Clarify impact on money","confidence_score":0.054443177}]},{"text":"As long as you don't go over one twenty, which is why they call it a 120% rule. So if Okay.","start_word":1739,"end_word":1759,"intents":[{"intent":"Explain timing rule","confidence_score":0.00082497596}]},{"text":"As long as you don't go over one twenty, which is why they call it a 120% rule. So if Okay. if you stay within the 125%, you can, if you want through every year, increase it to the max amount, and Yeah.","start_word":1739,"end_word":1781,"intents":[{"intent":"Recommend adjustment","confidence_score":0.000025869858}]},{"text":"zero, then it resets. But it can Correct. be anywhere between zero or $1 to the $1.25 Yes. percent of that amount.","start_word":1819,"end_word":1840,"intents":[{"intent":"Reset and reset amount","confidence_score":0.008333777}]},{"text":"Genlife will notify us. So they have kind of a safety, so they will notified us and say, hey. We've seen that there's more than a 125% added this year. Is that correct, or do you want us to refund some of the amount? Got So it.","start_word":1912,"end_word":1958,"intents":[{"intent":"Notify about safety","confidence_score":0.019426635}]},{"text":"give us a call, and we can can just run through the numbers just to make sure Yep. you stay under the threshold. Yep.","start_word":1993,"end_word":2016,"intents":[{"intent":"Make call","confidence_score":0.009624706}]},{"text":"Does that answer those questions for you? Yeah.","start_word":2023,"end_word":2030,"intents":[{"intent":"Answer questions","confidence_score":0.31173146}]},{"text":"I think I initially set up $10,000 and then $2.50.","start_word":2349,"end_word":2358,"intents":[{"intent":"Set up monthly contribution","confidence_score":0.00036188055}]},{"text":"What else are you trying to achieve? And if Yeah.","start_word":2558,"end_word":2567,"intents":[{"intent":"Clarify investment goals","confidence_score":0.012576824}]},{"text":"Which is kind of aiming for around a eighty twenty split.","start_word":3163,"end_word":3173,"intents":[{"intent":"Figure out portfolio goals","confidence_score":0.0009203961}]},{"text":"Now the next two attachments that I can see here is your Genlife portfolio per service port. Sorry.","start_word":3237,"end_word":3254,"intents":[{"intent":"Share portfolio information","confidence_score":0.03865262}]},{"text":"Now this investment here, I do want to look at reviewing for you.","start_word":3920,"end_word":3932,"intents":[{"intent":"Analyze investment returns","confidence_score":0.032912184}]},{"text":"There are a couple of reasons why we look through we want to look at reviewing the portfolio and potentially swap that out if we can find something else. Is that because if you are paying to have someone actively buying and selling during the research, you wanted to outperform. And if it's not outperforming, Yeah.","start_word":4217,"end_word":4272,"intents":[{"intent":"Analyze portfolio changes","confidence_score":0.17780957}]},{"text":"So obviously, had a bit of issues, cost suspension. They couldn't trade, obviously, things fell. So if you are happy for me to do so, I would like to do a bit more research on your investments, but specifically just your one.","start_word":4399,"end_word":4440,"intents":[{"intent":"Review investments","confidence_score":0.29251027}]},{"text":"There's no additional fees or anything like that. It's all part of the ongoing service to see if we wanna swap that out for you for something else. Are you happy for me to do that? Yeah.","start_word":4516,"end_word":4552,"intents":[{"intent":"Suggest swapping investments","confidence_score":0.0005819502}]},{"text":"Now with the investment, I do wanted to check something else with you is have you read our newsletter at all? Do you read that every now and then or or not really? Yeah. Not really.","start_word":4638,"end_word":4673,"intents":[{"intent":"Suggest reading newsletter","confidence_score":0.013894338}]},{"text":"I'd be keen to understand options. I'm Yeah.","start_word":4989,"end_word":4996,"intents":[{"intent":"Analyze sma options","confidence_score":0.022126948}]},{"text":"Now when is a good time for me to just kind of finish off this call with you?","start_word":5331,"end_word":5348,"intents":[{"intent":"Schedule investment call","confidence_score":0.014794979}]},{"text":"the managed one is is yeah. It's very poorly performed. So Exactly. So we do wanna yeah. look at swapping that out as soon as we can. Yeah.","start_word":5548,"end_word":5575,"intents":[{"intent":"Discuss portfolio changes","confidence_score":0.012232039}]},{"text":"yeah.","start_word":5952,"end_word":5952,"intents":[{"intent":"Determine withdrawal amounts","confidence_score":2.3940487e-8}]}]},"sentiments":{"segments":[{"text":"Hi, Jascha.","start_word":0,"end_word":1,"sentiment":"neutral","sentiment_score":0.2160222977399826},{"text":"Good afternoon. This is Veronica from Oakview Financial.","start_word":2,"end_word":9,"sentiment":"positive","sentiment_score":0.39630961418151855},{"text":"How are you this afternoon?","start_word":10,"end_word":14,"sentiment":"neutral","sentiment_score":0.31887754797935486},{"text":"I'm good. How are you? I'm good. Thanks.","start_word":15,"end_word":22,"sentiment":"positive","sentiment_score":0.5298328399658203},{"text":"I had you booked in for a little bit of a catch up.","start_word":23,"end_word":35,"sentiment":"neutral","sentiment_score":0.32364147901535034},{"text":"Is now still a good time for you?","start_word":36,"end_word":43,"sentiment":"positive","sentiment_score":0.33995237946510315},{"text":"Yep. Yeah. Yep. It's all that. Yep.","start_word":44,"end_word":50,"sentiment":"neutral","sentiment_score":0.16040395200252533},{"text":"Perfect.","start_word":51,"end_word":51,"sentiment":"positive","sentiment_score":0.5366238951683044},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. That's fine.","start_word":52,"end_word":83,"sentiment":"neutral","sentiment_score":0.08876466006040573},{"text":"Perfect.","start_word":84,"end_word":84,"sentiment":"positive","sentiment_score":0.3882688879966736},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Date of birth twenty first September nineteen eighty. And address is 20 Elkhorn Way, Point Cook, Victoria 3030.","start_word":85,"end_word":128,"sentiment":"neutral","sentiment_score":0.054999854415655136},{"text":"Perfect. That's exactly what I have here.","start_word":129,"end_word":135,"sentiment":"positive","sentiment_score":0.5219634175300598},{"text":"How's your day been so far? Been busy? Yeah. What's going on? Busy. Work. Well, I'll try not to keep you for too long. Essentially, I do have you booked in because I believe you had a couple of questions in regards to the child bond with Gen Life. Yes. Yeah. And I can see here that you your main kind of question was in regards to making additional kind of lump sum contributions for your children? Yeah. Because what I understand is in the first year, there is no limit Correct. to how much contribution I can make without impacting so it has no impact on the taxation side as well, Correct. and Yes. it doesn't That's impact correct. the next the ongoing 125% contribution as well that I need to make. Correct. That's correct. So, yes, I wanted to confirm these two and then obviously understand what is your advice. Yeah. Yes. Sorry. Definitely, the first twelve months is great because it does give you that flexibility. So if it is that you do have a bit of a lump sum that you do wanna put in, most definitely, Drew, sorry, within the first twelve months. I did have a look as well just to confirm, and you are correct, that the anniversary date is the April 22. So if it is that you do have a little bit that you wanna put in, I suggest doing that before the April 22 just to give you that flexibility for the next couple of years. Because after the first twelve months, it is that 125 rule. So, basically, if you because I think you're doing the $250 per month contributions. Is that correct? Correct. Yeah. That's correct. Yep. So if, for example, you do $250 for twelve months and then you do, let's say, 10,000 as a lump sum, that means that in a twelve month period, you've done six sorry, $13,000.","start_word":136,"end_word":458,"sentiment":"neutral","sentiment_score":0.13328317107615456},{"text":"Then Mhmm. next year, that means that you can do a 125 percent of that. You don't have to. It just means that it allows you to. So that would mean that you can do up to 16,250 without resetting any time frame. You don't have to. You can still then decide to just do the $250 for the whole duration if you want to for the next next year.","start_word":459,"end_word":528,"sentiment":"positive","sentiment_score":0.40119439363479614},{"text":"But it would mean that the following year, you can basically just do a 125% of the previous year. So whatever that might be, it changes. But it doesn't have to be under 25 or it doesn't even have to be No. so to No. tell me one thing. When I set it up initially, I made a bulk contribution and then Mhmm. Yep. $250 per month. Right? So that is how Yes. I set it up. So Yes. assuming assuming I made $10,000 initially and then $250 after that. So Yeah. I can, in fact, check what it what it was really. yeah. So what I'll actually do Yeah. is because your annual review is also due, I have actually prepped the documents for you for your annual review, and part of that is actually a summary of the Gen Life form. So Yeah. what I will do do you have access to your emails at the moment, Jayesh? Or Yeah. not really? I do. I do. Yep. Okay.","start_word":529,"end_word":698,"sentiment":"neutral","sentiment_score":0.12008342146873474},{"text":"Perfect.","start_word":699,"end_word":699,"sentiment":"positive","sentiment_score":0.4586444199085235},{"text":"So I'm just gonna send this to you so we can kind of start there. Yeah. Yeah. So And you can that send but but the question I had was sorry. So if I look at one of my child, so I I made an initial contribution of $10,000 yep. last April 20 twenty second April twenty twenty five. And Yep. then from there on, May onwards, I've been making $250 as a regular contribution. So Yep. I think the total contribution is whatever, 13,000, sorry, $12,007.50. Mhmm. Now tell me a couple a couple of scenarios. Right? If I Yeah. if I don't make the bulk contribution now and I continue with this plan, next Yep. year's max investment I can do is 125% of the $12,007.50. Correct. Is that correct? Okay. That is correct. Yep. Yep. If I do make a bulk contribution, let's say I make a bulk contribution of $10,000 now, which Mhmm. will take the inflow of the current year to $22,750, Yep. so the 125% will be of twenty two thousand seven fifty or $12,007.50? '22. '20 So two. I'll just yes. Okay. But I don't have to necessarily make 125% contribution or even 100% contribution. I can No. continue doing $250 as a regular basis. Yeah? Correct. Correct. Okay. You can. You even can. So if there's ever a situation where your finances change and Yep. you decide that I cannot make any contributions whatsoever anymore, you can stop it. There is nothing saying you have to. The only kind of thing to be mindful of is that, let's say, for this one year that you make zero contributions because a 125% of zero is zero. So that just means that if you completely stop, and then let's say in two years' time, you go, oh, no. I wanna start it. It would then reset the time frame. But to get around that, you could open up, like, another one, for example. That is the only kind of downside by decreasing for the next couple of years if it is something that you want to do. But you don't have to do a 125 at all. You can decide to do just keeping it exactly the same for the whole duration of the bond.","start_word":700,"end_word":1080,"sentiment":"neutral","sentiment_score":0.061382673778558966},{"text":"You could just keep the $2.50 per month for for the rest of the duration. You don't have to change it. It just allows you to do up to a max of that amount.","start_word":1081,"end_word":1114,"sentiment":"positive","sentiment_score":0.4457957148551941},{"text":"Okay. So sorry. Does I that didn't make understand sense? one point. You're saying if if in between I Mhmm. don't contribute for a certain duration, Yep. it resets. What does that mean? So let's say the April 22 until 04/22/2027. So between the April 2026 and 04/22/2027, you stop contributions altogether. So you don't do anything. That means that the year 2027 to 2028, you can't make contributions because you've stopped it. So So that you would made zero reset. peak this year, so the next year Correct. is zero of 01/25. Correct. Exactly. So Okay. that is the only the only kind of thing to be mindful of if you decrease it. But then But then what happens the year after? Or or what's it the would how do how it do I get back to $250 after that per per It month? yeah. So the only way to go back if you stop for a whole year is to either open up a new investment bond if you don't wanna reset the time frame. Or if you do start making those $2.50, it will reset the time frame. So Reset that is the kind time of frame. So did all my correct. investments become zero, is it? As in all my all my gains become zero? Is that what you're No. saying? No. They all say that. It just means from a tax point of view. So let's say you make contributions, and then you you say that from ten years or when you set the bond up, you wanna take it all out and give to your children. If you let's say after five years, stop contribution, and then let's say, year seven, you decide to put more in, you still have all the gains. All the money is still there. It's still yours. Yeah. It just means that from what makes us so tax effective with the bond, obviously, having that 0%, that time frame reset. So if you put money So the in first five at years first five years doesn't become tax free. Is that what you mean? correct. Exactly. So if it just resets the time frame if you stop for Right. twelve months. Yeah. So all Okay. the money is still there. It just kind of makes it, like, not as tax effective by resetting the the time frame. But let's say if you have it that your time frame is ideally fifteen years, let's say, then Yeah. you can reset the time frame. It doesn't really matter because you don't wanna take the money out for fifteen years anyway. So Yeah. all Yeah. the money is still there. It is a bit complex, but does it kind of make sense? It seems like you have a pretty good understanding of it. Yeah. Yeah. It's better to continue. That's what Yes. that's the summary. And what what Yes. if the amount decreases? So let's say instead of $2.50, Yep. let's say for a year, I just want to bring it down to $200. Yep. Does that impact as well or does it doesn't impact? It does. So It it does. kind of it changes every year, which is a 120. So let's say 2020 sorry. April, for simplicity, let's keep it April 2026 to April 2027. Let's say you did $200 a month. Now that is 2,400. Now the 2027 to 2028, you can then do 3,000 max for that year because that Yeah. is Just a 100 just and the one twenty. 25% changes. That's Correct. it. Right? But So it the doesn't 100 it and doesn't 20 impact it doesn't impact previously like it reset the no. No. okay. No. No. Not that. As long as you don't go over one twenty, which is why they call it a 120% rule. So if Okay. if you stay within the 125%, you can, if you want through every year, increase it to the max amount, and Yeah. you'll Got stay with with under the threshold. it. It's just if you go over.","start_word":1115,"end_word":1796,"sentiment":"neutral","sentiment_score":-0.0022438964492414704},{"text":"The Got good it.","start_word":1797,"end_word":1800,"sentiment":"positive","sentiment_score":0.3711208403110504},{"text":"thing So it with should not ideally be zero is what I understand. If it becomes correct. Correct. zero, then it resets. But it can Correct. be anywhere between zero or $1 to the $1.25 Yes. percent of that amount. 100%. Right? Yes. Okay. Correct. Okay. Then And then the there good are no issues in that sense. Okay. no. Exactly. And Got the it. good thing with Genlife as well is that if for for some reason, you forget the rule or you are not sure how much you've done and you put extra in, and you don't tell us and you're just like, oh, yeah. I wanna put in. Genlife will notify us. So they have kind of a safety, so they will notified us and say, hey. We've seen that there's more than a 125% added this year. Is that correct, or do you want us to refund some of the amount? Got So it.","start_word":1801,"end_word":1958,"sentiment":"neutral","sentiment_score":0.16567504405975342},{"text":"they are very Got good with letting us know and communicate if it is a it.","start_word":1959,"end_word":1974,"sentiment":"positive","sentiment_score":0.3661481440067291},{"text":"situation. But I would say if you are unsure or if you're trying to do more, just Yep. give us a call, and we can can just run through the numbers just to make sure Yep. you stay under the threshold. Yep. Got it. Got it. Yeah. Okay. Does that answer those questions for you? Yeah. Yeah. No. I think it answers. Yeah. Look. I think I one year ago when I set all this up, I Yeah. probably did get all these answer, but, you know, as a human No. psychology, That's okay. you tend to forget. Oh, yes. And it it it is messy, and sometimes it's good to refresh because especially in a year's time, you're like, oh, yeah. And I would much rather have you calling. And Yeah. if that's every six months or three months we go through this and make sure that you have all the information and we do the right thing Yeah. for Yeah. you and your kids, that's fine. You Yep. know? Rather that way, then you forget and then do something Correct. completely different. Yeah. And then I'm like, no. Why did we do that? No. Absolutely. So Yeah. No. Makes that sense. is Makes sense. And that and is and but, obviously, so yeah. many other things, right, financially, Yes. so you tend to lose track of things. Yes. Yeah.","start_word":1975,"end_word":2205,"sentiment":"neutral","sentiment_score":0.007894543955078373},{"text":"Absolutely. And it is good that you have the the regular contribution plan. I think that is one of the best way. Because one, it comes out automatically.","start_word":2206,"end_word":2233,"sentiment":"positive","sentiment_score":0.5979486703872681},{"text":"You don't have Yeah. to think You don't about have it. to do it. Exactly. Yeah. Yeah. Correct. And it also takes advantage of all the ups and downs in the market because it's near impossible to kinda time when it's Yeah. the best time. But doing it regular means that sometimes you're buying when the prices is a little bit high.","start_word":2234,"end_word":2295,"sentiment":"neutral","sentiment_score":0.13255789875984192},{"text":"Sometimes you're buying at the bottom, which is great. So it kind Yep. of evens that out by doing it regular for you as well.","start_word":2296,"end_word":2320,"sentiment":"positive","sentiment_score":0.3878368735313415},{"text":"Yep.","start_word":2321,"end_word":2321,"sentiment":"neutral","sentiment_score":0.310545951128006},{"text":"Great. Alright.","start_word":2322,"end_word":2323,"sentiment":"positive","sentiment_score":0.4754803776741028},{"text":"So now tell me, I'm keen to make additional contribution for obviously, a bulk contribution because in the first year, there's no limit to it. I think I initially set up $10,000 and then $2.50. I'm just checking Yes. for both my child. $1.05 $8.07 and $8.06. Yeah. I I think that's it's the same amount, $10,002.50. Can Yep. I what is your recommendation in terms of making additional bulk contribution right now? And I think do you yeah. So in order for me to make an official recommendation, I have to do it through a statement of advice because it is personal advice. From a general point of view is if you have additional money at the moment that you want to, obviously, make sure it does a bit more for your children, with everything going on in the market at the moment, it's not necessarily a bad time as long as the investments are correct because prices and things in some areas are down.","start_word":2324,"end_word":2489,"sentiment":"neutral","sentiment_score":0.1803893893957138},{"text":"So it's not a bad thing, especially if it's a long term investment because historically speaking as well, the market always go goes up Yep. as long as Yep.","start_word":2490,"end_word":2518,"sentiment":"positive","sentiment_score":0.4977545142173767},{"text":"there's no fundamental issues with the investment itself.","start_word":2519,"end_word":2526,"sentiment":"neutral","sentiment_score":0.3173415958881378},{"text":"So it's not a bad thing, especially if it's a long term investment. Yep.","start_word":2527,"end_word":2540,"sentiment":"positive","sentiment_score":0.5880948305130005},{"text":"The other kind of side of it would be like, okay. Well, what are your other goals? What else are you trying to achieve? And if Yeah. by putting a lump sum into this, does that impact other things? But Yep. in terms of from simplicity, should you put more money in if you have the capacity to do so and it doesn't Yep. impact other goals for Yep.","start_word":2541,"end_word":2609,"sentiment":"neutral","sentiment_score":0.07256513088941574},{"text":"you, Got it is a very tax effective way to do it.","start_word":2610,"end_word":2621,"sentiment":"positive","sentiment_score":0.5532164573669434},{"text":"Does it. that Got make it. sense? Yeah. Yeah. And then I'm assuming yeah. The the obviously, the markets are low, so the number of units purchased would be higher to the amount contributed. So there's Yes.","start_word":2622,"end_word":2658,"sentiment":"neutral","sentiment_score":0.14936873316764832},{"text":"a better ROI in that sense.","start_word":2659,"end_word":2664,"sentiment":"positive","sentiment_score":0.33878374099731445},{"text":"Exactly. So, obviously, things are which is actually the documents. So Yeah? do you have access to your emails at the moment? Yeah. Yeah. I've just got I've just opened the email Yep. and Perfect. the So we have document. just changed the software, so it might look a little bit different to what you are used to. When you click on the email so before you click on the link so when you click on the link, it will get you to sign the document. Before Yep. you do that, you will see that there are a couple of attachments. Can you see those? Like, can Yeah. you see I've just got I'll open the sign document link. It opens a document. The first yep. one, it says consent to new ongoing fees arrangement. Yeah. So if you just get out of that first, just so I can run through the other documents before I get you to sign anything just to make sure you're happy. If you can just just before clicking on the link, if you scroll down at the bottom of the email, can you see where it says, like, Vanguard index chart and Hub Yeah. 20 Yeah. four? I can see those links. Yep. Yes. So for example, if you wanna click on the Vanguard index chart for me. Yep. Let me just see. Can you see that okay? Yeah. It's hoping that it's downloading. Give me one sec. Yep. Sure. And you probably have seen something similar to this before. Yeah. I'm just opening that up. Yep. I opened it. Yeah. Yep.","start_word":2665,"end_word":2932,"sentiment":"neutral","sentiment_score":0.06073486791061821},{"text":"Perfect. So this is kind of a good visual way of explaining and seeing the market and seeing the ups and downs.","start_word":2933,"end_word":2954,"sentiment":"positive","sentiment_score":0.5119116306304932},{"text":"So, obviously, this one here goes all the way back through 1995 and then through through 2025. And it shows you as well kind of, you know, over the long term, the market always goes up. Short term, though, there are those ups and downs and market fluctuations. And sometimes you can see as well that, like, the biggest decreases in the market are quite closely followed by the market going back up again, obviously, depending on what is going on. Mhmm. And this one here also breaks down the different asset classes. So to the right, you will see your top four. So US shares, Australian shares, international shares, and property. Now these kind of falls into the category of we would call your growth investment. Yep.","start_word":2955,"end_word":3082,"sentiment":"neutral","sentiment_score":0.07679127901792526},{"text":"So so they are the ones that's going to maximize that growth for you.","start_word":3083,"end_word":3096,"sentiment":"positive","sentiment_score":0.44801756739616394},{"text":"The bottom three are your defensive. So these are a little bit more, obviously smoother as you can see, but they don't grow as much. Yep. So these are your defenses. Now with your Genlife investment portfolio that I know you set up with my colleague, Kyle, you are in a Vanguard, let me just see, head growth portfolio, I believe.","start_word":3097,"end_word":3157,"sentiment":"neutral","sentiment_score":0.13036100566387177},{"text":"I believe so.","start_word":3158,"end_word":3160,"sentiment":"positive","sentiment_score":0.37393665313720703},{"text":"Yeah. Yes. Which is kind of aiming for around a eighty twenty split. So about 80% typically in those top four and about 20 in the bottom because you do have obviously time until, you know, at least that ten years until you wanna give it to your children or whenever you decide that you would like to give it to them. So it is a, you know, a good time frame to do that. Yeah. Now the next two attachments that I can see here is your Genlife portfolio per service port. Sorry. Can you see those? Yeah. They're Two just of them. Yep. exactly which is just your generation life. You can see that, obviously, it's a child build up bond, investment bond. You can also see your Vanguard growth portfolio there. You can see your closing balance at the moment. So at the moment, you have 13,568 and 85<unk>. And then you can see the total after tax performance. So that is still at 6.25 despite everything going on in the market, which is not bad given the last twelve months have seen a bit of a fluctuation. Yeah. So that's those for you. Now the next one is your hub twenty four portfolio report. Can you see that okay? Have twenty four twenty twelve month IRR. Yes. Yeah? Now this one here is probably the one that looks the messiest. But this one essentially shows you your hub twenty four investment over the last twelve Okay. months. Now this is all after fees as well. Yeah. Sorry. Just looking down the road. One second. Yep. No. That's okay. And while that loads for you, we currently have you invested in a growth portfolio as well for your superannuation. Mhmm. Are you still comfortable with that growth portfolio, or has your risk tolerance or anything changed? Not really. I think No. I'm okay with that. In fact, right right now is the time to invest in equities. Yep. So yeah.","start_word":3161,"end_word":3495,"sentiment":"neutral","sentiment_score":0.0853162991466807},{"text":"Okay. Perfect.","start_word":3495,"end_word":3497,"sentiment":"positive","sentiment_score":0.5096571445465088},{"text":"And you do have the time frame behind you as well in a growth portfolio because, typically, we say, you know, a growth, we do wanna see ideally a minimum of six years until retirement, making sure, obviously, you have enough time for those ups and downs and market fluctuations, which you do have. And it's also that kind of eighty twenty split. Yeah. Did that open up? Yes. Yes. Market value at this start of the period, market value at the end is 206, income income and growth. What does income in the period mean? From dividends, you mean? Yes. So exactly that dividends and stuff paid, and then growth in the period is obviously increasing in prices and stuff for you. Yeah. So it Okay. kind of breaks it down. And, typically, what most people are interested in is the end value and the start value and then the internal rate of return column, which is the second one to the right. Because Yep. this one here is the individual return of each of your investments and how they have performed all after fees. Now the total of everything as well doesn't include your contributions. This is just how your investments have done. So as you can see here, there is a bit of a So as you can see here, there is a bit of a spread, obviously, again, because what is going on in the market. So as you can see that the ones in the bracket, which is your Benelon Australian equity, and then the beta shares live global cybersecurity. Now these Yep. are the ones that's currently down at the moment.","start_word":3497,"end_word":3772,"sentiment":"neutral","sentiment_score":0.09501807807364324},{"text":"The rest are positive.","start_word":3773,"end_word":3776,"sentiment":"positive","sentiment_score":0.3495020568370819},{"text":"Yep. So with your portfolio as well, with the global cybersecurity, obviously, AI technology, that space is not going anywhere anytime soon. So there are obviously opportunities in this space, and it is more of like a cyclical trend wide down at the moment. Overall, kind of tech stocks have been a little bit weaker overall, especially globally. It's not something that we kind of long term at the moment are too concerned about, though, because it is a good stable investment long term. And, obviously, there are a lot of things in the AI space at the moment.","start_word":3777,"end_word":3875,"sentiment":"neutral","sentiment_score":-0.07869012653827667},{"text":"You also wanna avoid sometimes selling if you believe in the investment selling when the prices are down because that's when you are crystallizing the losses.","start_word":3876,"end_word":3901,"sentiment":"negative","sentiment_score":-0.35718193650245667},{"text":"However, with the Bennelong investment can you see that one? That's the one that's down the most. Yep. Now this investment here, I do want to look at reviewing for you. The reason being is that the Benelon Australian Equity, it is a little bit different to your other investments in that it is a managed fund. Have you heard of that before? Yeah. Sort of. But I don't really know exactly what that No. thing No. is. But yeah. Sorry. How that one is different is that they are a managed fund, and the the purpose is to actively buy and sell different investments in order to try to outperform the market. Whereas the other investments are kind of tracking an index. So for Yep. example, iShares S and P 500 is to kinda compare, which is the one at the bottom, which it Yeah. says I b b. Now this one here, to kinda simplify it, it invests in the 500 largest companies listed on in The US. So as a company grows and you get in through those 500 biggest companies, it gets added to the investments. And as something gets smaller, it comes out. So you basically just track the the 500 biggest companies, which is obviously a lot of growth opportunities in The US space in that way. So you don't need as much co kind of research or actively buying and selling, which can trigger capital gains tax for these investments. So then along was added to the portfolio to give you that kind of active component, which does trying to outperform the market by buying and selling more frequently.","start_word":3902,"end_word":4177,"sentiment":"neutral","sentiment_score":0.04560298243186612},{"text":"Now at the time when it was added to your portfolio as well, it was one of their best performing fund managers, and they had performed really well.","start_word":4178,"end_word":4205,"sentiment":"positive","sentiment_score":0.34706103801727295},{"text":"More recently, they have underperformed, which you can see here. Yep. There are a couple of reasons why we look through we want to look at reviewing the portfolio and potentially swap that out if we can find something else. Is that because if you are paying to have someone actively buying and selling during the research, you wanted to outperform. And if it's not outperforming, Yeah. then why are you paying a little bit of extra for Absolutely. it, essentially?","start_word":4206,"end_word":4286,"sentiment":"neutral","sentiment_score":-0.05784108117222786},{"text":"This is yeah. This is contrary to the fundamental Exact goal.","start_word":4287,"end_word":4297,"sentiment":"negative","sentiment_score":-0.41226842999458313},{"text":"exactly. Now, also, they have made a couple of calls on different investments that haven't played off recently, and they've been a little bit slower in making changes. So we've been a little bit kind of, okay.","start_word":4298,"end_word":4334,"sentiment":"neutral","sentiment_score":-0.2576885630150099},{"text":"Well, that might not be the best option moving forward.","start_word":4335,"end_word":4344,"sentiment":"negative","sentiment_score":-0.6041067838668823},{"text":"And another reason is it wasn't really them, but one of the companies that they had in their portfolio was Corporate Travel Group. Now they had a bit of issues with reporting. I'm not sure if you've heard of them. Yeah. I think it I was know on that. the news. Yeah. Yeah. Yeah. So obviously, had a bit of issues, cost suspension. They couldn't trade, obviously, things fell. So if you are happy for me to do so, I would like to do a bit more research on your investments, but specifically just your one. The other ones are not doing too bad, but I still would just like to review everything as a whole because it is good to do because things always change.","start_word":4345,"end_word":4470,"sentiment":"neutral","sentiment_score":0.009225531481206415},{"text":"The market always change, and we wanna make sure that we always keep up to date with obviously making sure that whatever we have you invested in is going to be the best for you.","start_word":4471,"end_word":4505,"sentiment":"positive","sentiment_score":0.475923627614975},{"text":"And it's all part of Yeah. the ongoing service. Yeah. There's no additional fees or anything like that. It's all part of the ongoing service to see if we wanna swap that out for you for something else. Are you happy for me to do that? Yeah. Yeah. Please. Yeah. So tell me one thing, the the investment calls are made by you folks, as in which funds to invest and which securities to invest as a combination of the portfolio? Is it HUB24 who makes that call? Wait. So oh, for you, You Drew. guys So make how that many call. four? Right? Just cover that as your bank account, basically, Yeah. HUB24 or is just your an super. investment vehicle. Got it. Exactly. It. Where we do all of that. Now with the investment, I do wanted to check something else with you is have you read our newsletter at all? Do you read that every now and then or or not really? Yeah. Not really. No. Most people are the same. That's why I asked. I do suggest maybe going back on the the last one after the call if Yeah. you want to. The reason Mhmm. I do ask is that we have recently merged or joined forces with BlackRock. Have you heard of BlackRock? Yeah. They are Yeah. massive. Yeah. So we've joined and partnered up with them to create our own SMA, so a self managed account. Have you ever heard of that? No. I'm not. Yeah. No. Sorry. The way that the so you can still obviously do it in Hub twenty four still within your super. It's just a slightly different way. So at the moment, you have what we would call, like, your model portfolio. So you can see all your individual investments here. Now if I want to go and make a change, so, obviously, the investment committee, if we we do all the research and we just see that, for example, Bennelong might not be the best option, we wanna change it out for you. We would obviously go and do all the research. But to make a change, I would have to put everything in a SOA for you, go through the changes, and then you would have to sign and agree to the change before I can make the change. Obviously, Yeah. that process does take a little bit because it is quite compliant and heavy from research. So it does take a little bit, which it gives you the full control of the change, but at the same time, it sometimes a bit of a lagging effect because it takes a little bit to do. And, obviously, things with market fluctuations, sometimes you wanna react quickly, but, obviously, a lot of it is kind of long term investment. Yeah. Now Yeah. Yeah. how the So SMA? I would yeah. I'd be keen to understand options. I'm Yeah. I'm I'm sorry. I'm squeezed for time. I just had No. kept half an hour because I've got get to got to get into another call. But That's okay.","start_word":4506,"end_word":5025,"sentiment":"neutral","sentiment_score":0.041196648891155534},{"text":"happy for you to have a look at it.","start_word":5026,"end_word":5034,"sentiment":"positive","sentiment_score":0.4441217184066773},{"text":"But, yeah, I'm just looking at this report, and, obviously, Yes. Benelong is the biggest, which is a little surprising because, yeah, Yeah. it's almost It a had 20 done five so percent well. dip. Yeah. Yes. And Yes. it's it's obviously one of the biggest not one of the biggest, but, yeah, on the top Pretty portfolios high of holding. investments. Yes. Yeah. Exactly. So I would have expected a better management Yes. of this to be fair. Exactly. Which is why Yeah. so I know I'm very mindful of you leaving, so I just wanted to check. SMA, how it's different is that you invest in a portfolio. Now we invest we black with that. So we joined their investment committee along with our investment committee to Yeah. come up with the investment in the estimate. Yeah. The Yeah. the biggest benefit is that we can chop and change investments straight Got away because you are just it. invested I in a portfolio. yeah. Yeah. So if you can maybe schedule another time Yes. where we can We go can through in talk a a bit little more bit detail, more. that's Yes. fine. Just Yep. one question. What is the withdrawal amount of $12,000 on this portfolio? Often, it's insurances and other investment fees, admin fees, and stuff like that. My screen has just frozen at the Yeah. moment. But this seems to be too high in I understand investments sorry. Insurance and all is there, but it's probably plus I investment. Yeah. can what I can do is I can pull a withdrawal of report from Hub twenty four and email it to you as well. Just because Yeah. it's kind If you of can, froze please. frozen Yeah. at the moment. Now when is a good time for me to just kind of finish off this call with you? Should only maybe be another fifteen minutes to kind of Yeah. go through Maybe the rest next of there. week, if we Yep. can schedule half an hour, I think, like, we can get on to call next week and, yeah, do Perfect. that. Yep. Now now when next week? Sorry. Do you prefer same time as now? Okay. Monday sorry. Tuesday. Yeah. So Tuesday afternoon, I am fully booked, but I can do Monday afternoon or Wednesday afternoon, same time as we did today. Can we do half an hour later on a Monday next week? Let me see. Three. Yeah. I I can I can shuffle a few things around, and we can I can Yep. make that work? Yep. That Yeah. is Yeah. no problem. So that Yeah. is Monday the thirtieth, and that is 04:30 your time. Yep. Yep.","start_word":5035,"end_word":5491,"sentiment":"neutral","sentiment_score":0.035276415865843874},{"text":"Perfect. Well, thank you so much for your time today, Jayesh, and I look forward Yeah.","start_word":5492,"end_word":5507,"sentiment":"positive","sentiment_score":0.6509326696395874},{"text":"to speaking with you. Finish this off on Monday. Sure. If you can just send me some details on the withdrawals as well, please. Yes. Would Yeah. like to understand. And then, yeah, obviously, this could be yeah. Really Yes.","start_word":5508,"end_word":5547,"sentiment":"neutral","sentiment_score":0.0894647166132927},{"text":"the managed one is is yeah. It's very poorly performed.","start_word":5548,"end_word":5557,"sentiment":"negative","sentiment_score":-0.4665866792201996},{"text":"So Exactly. So we do wanna yeah. look at swapping that out as soon as we can. Yeah. Yeah. Absolutely. Sorry. So why was it left for so long in the portfolio if So it was underperforming and you guys it had some signals yeah. on it going down? So it's more of we've always it takes some time because you don't wanna make changes quickly because you don't wanna sell out while it's a loss because that mean you are crystallizing the losses. So there is a lot of obviously extensive research for the investment committee to obviously decide that it might not be the best thing moving forward. And because they historically have done so well, you also don't wanna pull the trigger too quickly because you also wanna make sure that if you're gonna come back around, then you wanna sell when it comes up a little bit. You don't wanna sell at the bottom unless you see it not going up. So it's only been more recently where the investment committee made the decision that we wanna look at swapping that out. Before then. You wanna give it some time as well to make sure if it's gonna come back around and if it's a bit more of of a good investment because you don't wanna sell at the bottom unless you have to. Yeah. Yeah. I would want some details on the on the overall portfolio as well. Mhmm. If I look at the start of the period, $1. 85 k, and if I look just look at the bottom line. Right? Bottom second page. Mhmm. $185 at the start investments of 31,000, which is basically a super contribution, I believe. $31,004.81 binds. That, I believe, is the super from super contribution. Yes. Yep. Exactly. Yeah. That would put me at $2,215,000, and Mhmm. I would then expect certain growth, which would then pay off the fees and the insurances. Like insurances? Yep. So, ideally so the market value is actually less than the starting position plus the deposits made in that, just 110,000. Right? Just It's just still on that basis, it is less. So I'm just yeah. A little yeah. I'm So not able it's to understand no. why is That's there so much of downtrend in the portfolio and what is the withdrawal amount of 12,200? yeah. So what I'll do, because I know you might full time, I will get the withdrawal amount emailed through so you have it before call on Monday. I'll also send you some more information on the estimate so that you can again read up on it to see if it's something that you are interested in. And in this report, it shows you that even though you've had fees come out, it's still gone up only by about 3.6, but it's still up. So it hasn't grown as much, but it's still not down even after fees. So even in the the period, it's still gone up a little bit. So what I'll do is, like I said, I can send you this oh, you have it already, but I can send the portfolio withdrawals so that you have that in detail, Yep. a bit more information in regards to the SMA. If you have any other questions and stuff that you can think of, though, just please write them down, and we can go through it next Monday when Yeah. we kind of finish off the under review. And then following the under review, I will go and do the research to then see which investments we wanna change for you potentially to make sure we have you in a better position. Yeah. I would, yeah, I would want to go through, the details Yes. on Monday. Yeah. So I'll probably Yes. have few questions No. for you And on Monday. by all means, write it down so we can go through everything together. Yeah. Yeah. Yep. Yeah. Okay. But it it's not looking a little rosy to me on the first instance. Yeah. And So it it's yeah. good to Alright. to go through it. But, yes, like I said, I will send this through to you, and we'll go through everything together on Monday. Yeah. Yep.","start_word":5558,"end_word":6270,"sentiment":"neutral","sentiment_score":-0.016536229978437008},{"text":"Sure. Perfect. Thanks. Well, thank you so much for your Bye. time, and I look forward Yeah. to speaking with you Monday. Cheers. Bye.","start_word":6271,"end_word":6294,"sentiment":"positive","sentiment_score":0.6269052028656006},{"text":"Bye.","start_word":6295,"end_word":6295,"sentiment":"neutral","sentiment_score":0.26775914430618286}],"average":{"sentiment":"neutral","sentiment_score":0.0740370089186018}}}}