{"metadata":{"transaction_key":"deprecated","request_id":"019ef850-e2ab-7372-8e4f-e0fbcfa70b04","sha256":"d2f71368653870273f21354ae18c31eedbd7db9ea50eee9755a9cd092f17e480","created":"2026-06-24T06:28:34.435Z","duration":1581.5519,"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":6163,"output_tokens":126},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6713,"output_tokens":6726},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6713,"output_tokens":690}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Aaron. It's Dana from Mercy Financial. How are you this afternoon? I'm very well. Thank you. I had you booked in to run through your updated statement of advice. Is now still a good time there for you? Yeah. Fantastic. Erin, do you happen to have access to your email, sir, at the moment at all? Or is Not really. Yeah. Beautiful. What I'll do is I'll send you an email with the statement of advice. So if you've got a chance, you're able to open that up. This is easier if we go through it together. Before I jump into the call, I just need to also let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And also just to do security there with you, just to confirm your full name, your date of birth, and address I should have on file. Beautiful. Thank you so much for that. And how's your day been so far? Oh, that's good. Good. I can hear the kids in the background. Everyone's home, Ready for the afternoon? Yeah. Oh, all good. Well, look, because you do have the kids there, if you do need me to stop at any point, just let me know. I'm happy to take a break and give you a chance to do what you need to, but I'll try to run through this as quickly as I can to make sure I give you the information required. Okay? Excellent. Just let me know when the email does happen to pop through. It'll come through from OdooSign, and it'll probably come from my email address. You do? Fantastic. So opening that one up, if you press the sign button, it takes you through so you can review the advice document. We do have all the other additional documents attached for you as well. On the front there, it will state statement of a rash, prepare for yourself as of the 06/24/2026. So all of that advice is valid for sixty days from the date on the document there and has been prepared for myself and my team here at Oakview Financial, and my licensed representative number is 1304394. Okay? Faith, now as you are running through the first couple of pages there, it outlines essentially that the advice has been prepared under the best interest duty, which is part of the corporations act. It's also got the areas that we have scoped in or are providing advice on. So, essentially, one of your, goals was that you're hoping to retire at about eight sixty. You're hoping to have the house fully paid off. I believe one of your areas of looking at was that you were planning to sell your investment property and use the funds to pay off your main primary residence in about five years' time. Sorry. Two years. Yeah. Yeah. That's okay. Beautiful. So two years. Bring that forward. That's fantastic. We've also scoped in the insurance side of things. So, essentially, having a look, we do have to retain C Bus to retain the insurances for you, essentially keeping your life and TPD in place as appropriate until you do pay off your mortgage and become fully debt free. And then we may be able to look at consolidating and boosting through for a little bit more from there. But for the time being, just looking at what we can do with your super funds, retain your insurances, and just make sure things are working harder for you investment wise there as well. Okay? Excellent. To make it a bit easier for you, if you can just scroll through for me, just down to page number 17. I'll take you through a sense of the bulk of the recommendations, and then I'll go through and explain the last few things for you. This should have the heading there for you. It is recommended investments as of superannuation. Yeah. Yeah. Beautiful. So this one here essentially is showing you the updated recommendations there. So I am recommending, as I said, that we do retain CBAS to hold your insurances in place there. Your balance in CBAS was about 37,915 and 56¢ there. So we do just wanna retain CBUS with a minimum amount there to hold your insurances in place and have most of your funds invested within Hub twenty four there in the portfolio working harder for you. So we are recommending that you do retain so do roll over the 27,915 and 56¢ there. Retain the 10,000 within C Bus in the current portfolio in C Bus. There's no need to change that investment at the moment, which is fine. Essentially, you'll keep your insurances in place and also keep your contributions going to C Bus there as well, And we'll just make sure we do those rollovers for you pretty regularly. Within hub twenty four, I did go back and review the portfolio looking at how it has been performing and had made us that there had been some underperforming investments and some changes that we did need to make to your portfolio there. So, essentially, what I will be looking to do is to sell off the battery and lithium tax. Nothing wrong with it. However, we have found some great out some other investments that have been performing better. It has been a bit of a rough year for battery and lithium tax, but we are looking to sell all of that investment out. And your Australian Benelon equities there as well. So that investment has been holding your portfolio back a little bit this year. Essentially, they have been underperforming. So we've decided to remove that out of the portfolio and utilize the Australian BetaShares a 200 for your Australian equities. Essentially, been along they were placed there originally. They were meant to be essentially an active manager that was buying and selling and trying to outperform against the market. Unfortunately, haven't been able to do so on reviewing your portfolio. When something's underperforming, it shouldn't be there anymore, so it's time to remove that and replace it with an investment that has shown greater past performance to make sure your portfolio is working a bit harder for you. Okay? We've also got the beta shares bank hybrids in there. Now that is more of a defensive investment, but bank hybrids as an investment vehicle are actually gonna be phased out in the future by the government. So I've taken the step to remove those in the portfolio now. It's better to do it now rather than do it down the track when we have to. Since we're making these changes now, we can incorporate that to make it easier for you. We're also gonna keep the physical gold there and increase your exposure. So it has done very, very well. Physical gold had a little bit of a dip in the last few weeks, but it has done very well and has been at a thirty year high. So, essentially, you wanna keep physical gold in your portfolio and just increase your exposure back to about 10% there for you. Cybersecurity has had a bit of an up and down year. A lot of things have with what's been going on globally there. But cybersecurity is not bad in any way, shape, or form, and we wanna keep that. But you're a little bit overexposed at the moment, so just rebalancing your portfolio and bring your exposure back to 5% with that one. You've got because we're getting rid of the as the bank hybrids, we do need to make sure as you're in a growth portfolio that you do have access to the defensive investments as well. So a growth portfolio is generally 80% in those growth areas, like Australian international shares, listed property, and also commodities like gold and silver, and holding 20% in defensive investments, things like cash, bonds, and fixed interest. So because we're getting rid of the bank hybrids there, we're gonna be increasing your exposure into the core composite bonds. They're giving you access to both government and corporate bonds. It also utilizes the ventures and other things a little bit a little bit of global exposure there as well for you. So making sure you've got those defensive investments, bonds are also very good for cash producing. They provide income, which gets distributed into your cash account and then reinvested back into your portfolio as a compounding as well. So we'll essentially see 14% of your in in your portfolio investors there. The S and P five hundred, you've got about 26% there at the moment, has had a bit of up and downs with everything going on in the world, but is still a great place to be invested. So just increasing your exposure to 30% there and buying a little bit more. We'll be selling off a VanEck property and removing the beta shares, roughly a 200 as well. Essentially, they haven't done too bad. However, because we are removing Banda Long Australian equities and buying into the a 200, we don't wanna have you overexposed in Australian equities. So we're gonna be altering and removing the Raffy 200 there as well for you. Purchasing into Europe, the European exposure is a great place to be, and the iShares Europe investment gives you exposure to all the European companies sorry, countries and all the companies within that on the exchanges. And also the Japan. So Japan has seen some great growth. It is a great place to be invested at the moment, and it's giving you some diversification. And on the point of diversification, making sure that we're diversifying across across as many countries as possible as diversification is one of the best ways to mitigate market risk. We'll be adding in the Vanguard all world excluding The US, and we're excluding The US from this investment because you have the S and P 500 in there. So I don't wanna be overexposed to anywhere particular, But this investment is giving you worldwide expo exposure to all the countries, all the different exchanges, and the top investments in those sorts of exchanges. So looking at existing markets as well as up and coming there as well, This investment has done very, very well, and it's about making sure that we're minimizing as much risk as we possibly can within the market there. And as I mentioned, diversification is one of the best ways to do that for you. Okay? So you'll see 8% invested there in that investment. And then also the beta shares a 200, and that's replacing the Bannalong Australian Equities and, again, giving you greater diversification. So with Bannalong, they essentially invested anywhere between 15 to 35 different investment options depending on what they had in their investment at at that particular time. With the BetaShares a 200, you're actually exposed to the top 200 companies on the ASX there, so greater diversification. This is also a passively managed fund, whereas Van Alon was more actively managed. So it's actually also a cheaper investment to have in your portfolio, which is a benefit to you because saving on investment fees leaves more money in your portfolio, working harder for you as well there. That's essentially the changes to the portfolio. I try to go a little bit easier on those. But do you have any questions about any of them specifically or any questions about that so far? No. Beautiful. Essentially, the next page outline there that we'll still keep cash in your account. We do need to keep 1.25% cash in the hub twenty four cash account there for you. And if you can get on the page number 20 for me, this is essentially showing the reason for the recommendations there. Now it is really important that we do sort of note that whenever we do switch investments within your portfolio, there are capital gains consequences. So, essentially, your super fund, just like you do, does a tax return every year, and they have to pay tax as well. Essentially, they pay income tax and CGT tax. So for making the switch of the investments, we do estimate having a look at the research there, your super fund will essentially pay $1,645 in CGT tax. So not too bad to be able to switch those investments for you. We are retaining C Bus and Hub twenty four. I did look at the other super funds out there. There is no need to switch out of Hub twenty four. You need to retain Sebas because your insurance is in place there. But hub twenty four is still a great platform. And the idea of if we move to any other platform out there, the capital gains consequences would be much higher. So it is best to retain hub twenty four for now and just do the investment switch. That way, we only have to switch some investments and mitigate some of the tax consequences to a full to a full move, if that makes sense. Yeah. Essentially, looking at because we are moving money from C bus and into hub twenty four, we do expect your admin fees to go up to slightly by about $34 for the year. However, by making the changes to the investment portfolio as above your investment fees, if you look at the last column there, it should save you about $588 for the year. So lower fees, which is good. It means that you'll have more money invested working harder for you over the longer term. Still paying. We'll keep your contributions going into hub into C bus. Sorry. No changes there. And your insurance premiums stay payable out of SeaBus as well to make sure your insurances are in place. When you do happen to sell your investment property and you do pay off your mortgage, then we can talk about what your insurance needs are and possibly look at consolidating things there for you as well. Okay? When we look at how the portfolios have performed over the past and the future, so the older portfolio between the two funds, when we look at the rate of debt, it's averaged about 8.52% on the five year rolling out, which was not bad in any way, shape, or form. However, the newer portfolio, you can see, has had a greater past performance, which depending on market conditions, so long as we, you know, see good market conditions or what has happened over the past five years, we can expect greater performance there. And if you're able to obtain that sort of a a return of 10.95% over the course of the next five to ten years, you can see on the next page the projection there. So it can and does place you in a better position moving forward. So we'll just keep reviewing things with you every year, just making sure things are working harder, review the portfolios, and make sure you stay on track there. But, essentially, we wanna make sure your sleep is working harder to give you the best possible outcome in retirement. Okay. Do you have any questions so far at all? At the moment, and when we did the you've got a yeah. Yeah. And 30 seven there. So once we complete this switch, you'll have 10,000 in Cbus and about $242.02 56 in hub 24. Yeah. All good. All good. Now one of the things I did talk about looking forward to for you is looking at, obviously, what the projected outcome looks like. You are in your early fifties there. You do have a bit of time before your retirement, but I wanted to sort of see where you are tracking at the moment. So if you go down to page number 22, it does essentially show yeah. You're okay. Aaron, did you wanna take a second? You're fine. You're okay? All good. It does wanna show that projecting this out for you, you are looking at an income of about $1,000 a week in retirement. That could absolutely change there, but we've considered your asset position at the time. Obviously, you will have sold the investment property there and paid off your mortgage. You're fully debt free as a homeowner and considering any other assets that you do have. We do expect you to be able to access some age pension there as well given your current circumstances. That will be reviewed moving forward with you as well. But, essentially, if you are able to access some age pension given your current circumstances and supplement with your super there, we can essentially expect you to be able to draw about forty five thousand six sixty five on a yearly basis. So it is about 6,000 down from where your target income is. You could draw more to get that 52,000. This means the super is expected to not last as long as what we've projected at here. But there's other things that we can do. So at the moment, we're just looking at what you've got currently with your two funds, keeping your insurances in place. But moving forward, as we get closer to accessing super, once you are sort of you've sold the investment property, paid your mortgage, often you have a bit of extra free cash flow. We can also look at other areas like increasing contributions in the super. If you decide at 60, you're not quite ready to retire, you wanna work a bit longer, there's other strategies that we can put in place there for you well. And also making sure that every year, we review your investments and your returns to see how you're sort of working forward. Obviously, if you get a better return, that 10%, that's just an average of what this portfolio has seen over the past five years. We know that some years, you could get a 20% return, some years, a 5% return, some years, a 10% return. So it's just about working with the market and making sure we're staying on track and trying to get the best possible outcome over the longer term there. But moving down down the track, if you are comfortable to do so, it would be worth looking at additional contributions to help boost your super as well. Essentially, thinking that your super is a bit like your car, your contributions and your portfolio essentially are the fuel. And adding those together, it fills your car up a lot faster and helps your portfolio work a little bit harder there as well. The other aspect is the compounding side of things. So we sort of slug our life away to get our sleep up to about that two, two fifty mark. Once we get over that $2.02 $5,300,000 mark, essentially, the compounding does increase a little bit more, and you do see those returns increase. So it is something to keep keep monitoring and looking at with you, but I just wanted to sort of show you that with the research, with the changes that we're making here at the moment, this is essentially the forecast and projection that we've got here just so you can sort of see where you're tracking. It'll light at the end of the tunnel, if you might say. Yeah. I've also got it in here noting that we are retaining your life and TPD within C Bus for the time being. We'll keep reviewing that with you. Admittedly, you don't have a lot of life and TPD, but given your health, it is important to sort of make sure, you know, where you have the best kind of cover possible. Given your history, we're not able to obtain any new cover elsewhere. So it's important just to keep the cover you do have for the time being. But at the moment, you hold about 52,000 in life cover within Cbus and about 26,000 in PPD there. Unfortunately, these covers do decrease as you get older, as the you know, as you get closer to retirement there, but we wanna kinda boost your super. And if you wanted to look at trying to invest in other ways to close that gap, we can also have those conversations with you as well. Okay? Beautiful. One of the things we did sorta look at a while ago was that you did have a bit of cryptocurrency on those shares there. Do you still have those? Did you have they grown, or what have they been doing this year? Yeah. Yep. Yep. Yep. Yeah. Oh, fantastic. Oh, fantastic. Excellent. And that and that's all going towards your offset account to help pay your loan down a little bit. Is that right? That savings? Yeah. Yeah. Beautiful. And, hopefully, a pay rise coming up for you as well. Are you due for a pay rise soon? Yeah. Nice. So hopefully end of this year, another one for you. Cross your fingers. Oh, are you? Oh, fantastic. Well, good luck with that. I hope it all goes really well. Keep us updated there. You know, obviously, with a pay rise, it does come with a bit more money. You pay a little bit more taxes. Well, unfortunately, the tax penalties are coming no matter what we do. But if you ever you know, if you find you do have a bit of extra cash there that you wanna maybe look at extra contributions, feel free to let me know. Those sorts of things can definitely provide a boost to your super. And starting earlier helps the compounding effect rather than later as well. And something as simple as 20 or $50 a week or a fortnight can make a difference over the next ten years as well. So let me know if it's something you wanna look at or if you find your cash flow allowed for it. Okay? On page number 24 at the very bottom there, we do have a bit of a different table for you. So the projection shows the current and recommended, and this is exactly the same. However, the difference in the last column is no insurances. So we all have insurances. It's important to have those kinds of cover to protect us in the event that something was to happen. However, this sort of shows you if you didn't have cover, everything was in kind of one place and you still got the same return projected above. Essentially, you could see just a a greater gain in your ten year projection. It's admittedly, it's only minimal. Your insurances aren't that expensive, and so keeping them doesn't have a massive effect there. But we just like to show you the difference. Okay. Excellent. And then at the very end, they're just making sure that we do retain your beneficiaries within CBAS and hub twenty four, making sure that they are applied. We have binding non lapsing for your spouse and binding lapsing within CBAS to your spouse as well. The main difference between those beneficiaries is binding non lapsing means within hub 24. That beneficiary stays in place continuously. However, Cbus only allow a binding lapsing nomination, so it does need to be updated every generally, every three years. What we can do is we have a TPA on file with Cbus, and we'll monitor when that's due and when this the beneficiary is due to lapse. We'll make sure we contact you and have that updated. That way it doesn't lapse. And that way, you know, there's no risk of anything. Your spouse not being able to get those funds or claim those funds in the event if you're passing away. Keeping in mind, I hope that never happens. I would love to get you to retirement and then see you through retirement there. We don't want anything to happen. This is one of those conversations we do have to have, unfortunately. Okay? And then just also making sure that you do establish your will and beneficiary power of attorney. So, essentially, one of the things we did sort of talk about in the annual review was that you mentioned you don't have a will or power of attorney set up. Your beneficiaries protect your your life insurances and your super. However, everything else that you've worked so hard for, your house, your savings, your cars, everything like that still needs to be protected. And, look, honestly, a lot of people just assume everything goes automatically to their spouse. And while, yes, in most states, that is absolutely true, it does also have to go through a probate process even if it's just you and your spouse or you passed away or she passed away without having a will in place to protect your assets. Everything still has to go through probate, and it can essentially mean that other parties can come forward, people you may not want to, family members you may not have spoken to in years, who can come forward and stake a claim on your assets. I have seen instances where the assets have not been provided to the people that that the the person who passed away wanted them to go to. And while in most instances, everything goes to your wife, there are some cases where a judge of the court system may see or legislation may allow for other parties to be paid out some of your, estate. So it is really important to make sure a will and a power of attorney is done up. You can also if you, speak to, like, your local government agencies, they tend to do them fairly cheaply. And we can also send you, if you would like, some information on local solicitor or anywhere else that might do well very cheaply. You can also get a will kit just from the post office as well. I had a look last time. I think they're about $30. And as long as you fill those will kits out correctly for the the prompt, then they can be just as valid as well. But it's just about making sure that everything you've worked hard for is protected and distributed in the event that you're passing to where you want them to go. Okay? Yeah. Beautiful. That's essentially all of the recommendations there. It's a nice easy one for you this afternoon. You are an ongoing client. You do pay the ongoing service fees. So all the advice provided, there's no implementation fees for doing any of this. It's all part of our services and just making sure we've updated the advice and recommendations there for you because we had to retain C bus last year. The last advice they didn't allow us to do the rollover, so I wanted to make sure this was updated for you. And, also, just make sure we're reviewing the investments for you regularly as well because the investments provided when you came on board or a couple of years ago may not be appropriate now. We wanted to update the the portfolio now because there are some underperforming or changes to the investments, and then we'll keep reviewing those more for you because in another couple of years or another year or two, there may need to be some changes again. So advice is very much fluid. It needs to change as your life changes as well. So it's about making sure we update these for you, and we enjoy putting it together there. As moving forward, did you want me to do I know you do for a review at the end of the year there, but did you wanna do a bit of a catch up in a few months, or are you happy to touch base at the end of the year for your review? What would you like, Aaron? And does a year just once a year make it nice and simple for you? Yeah. Beautiful. Not an issue at all. Well, look. I've got the document there for you with all the product disclosure statements, our financial services guide, and any other additional documents required. Feel free to run your eyes over that one. Have a bit of a look. If you do decide to take on the recommendations, we'll get you to sign and return it back so we can have the investment switch completed nice and easily for you. If you do find you have any questions, please let me know. I've outlined some of the advantages, disadvantages, risks, and things involved, and there's others noted there for you to run your eyes over as well. Okay. All good. Do you have any questions or anything you wanted me to look at or anything you wanted to ask while you've got me here at all? Yeah. All good. Well, I will let you go. You're probably ready to have a good afternoon and sit down and put your feet up, so I'll let you go to do that. I appreciate your time this afternoon, and let me know if there's anything you need. Okay? No worries. Thanks, Aaron. Talk soon. See you later. Bye.","confidence":0.9970703,"words":[{"word":"hi","start":4.96,"end":5.2799997,"confidence":0.75512695,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.15868715941905975},{"word":"aaron","start":5.2799997,"end":5.68,"confidence":0.9165039,"punctuated_word":"Aaron.","sentiment":"neutral","sentiment_score":0.2271699905395508},{"word":"it's","start":5.68,"end":5.92,"confidence":0.98168945,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.22290794551372528},{"word":"dana","start":5.92,"end":6.16,"confidence":0.75097656,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":0.20169542729854584},{"word":"from","start":6.16,"end":6.3199997,"confidence":0.94628906,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.2436528354883194},{"word":"mercy","start":6.3199997,"end":6.7999997,"confidence":0.3659668,"punctuated_word":"Mercy","sentiment":"neutral","sentiment_score":0.2103167623281479},{"word":"financial","start":6.7999997,"end":7.2999997,"confidence":0.9995117,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.20911626517772677},{"word":"how","start":7.3599997,"end":7.52,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.2723413109779358},{"word":"are","start":7.52,"end":7.68,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.28260332345962524},{"word":"you","start":7.68,"end":7.8399997,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2945237159729004},{"word":"this","start":7.8399997,"end":8.08,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.3097899258136749},{"word":"afternoon","start":8.08,"end":8.58,"confidence":1.0,"punctuated_word":"afternoon?","sentiment":"neutral","sentiment_score":0.28358784317970276},{"word":"i'm","start":10.0,"end":10.32,"confidence":0.99560547,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6616174578666687},{"word":"very","start":10.32,"end":10.559999,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.7100005745887756},{"word":"well","start":10.559999,"end":10.88,"confidence":0.99902344,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.668117105960846},{"word":"thank","start":10.88,"end":11.04,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7384982109069824},{"word":"you","start":11.04,"end":11.28,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6794059872627258},{"word":"i","start":11.28,"end":11.36,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.36818888783454895},{"word":"had","start":11.36,"end":11.5199995,"confidence":0.9770508,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.422620952129364},{"word":"you","start":11.5199995,"end":11.759999,"confidence":0.71191406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2720734477043152},{"word":"booked","start":11.759999,"end":11.92,"confidence":0.45751953,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.3167802393436432},{"word":"in","start":11.92,"end":12.08,"confidence":0.9614258,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.35311195254325867},{"word":"to","start":12.08,"end":12.16,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2602832615375519},{"word":"run","start":12.16,"end":12.4,"confidence":0.9980469,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.2721865475177765},{"word":"through","start":12.4,"end":12.559999,"confidence":0.99609375,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.3234196901321411},{"word":"your","start":12.559999,"end":12.719999,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.30333882570266724},{"word":"updated","start":12.719999,"end":13.12,"confidence":0.9892578,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.30482086539268494},{"word":"statement","start":13.12,"end":13.44,"confidence":0.99902344,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.3219395577907562},{"word":"of","start":13.44,"end":13.599999,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.30177345871925354},{"word":"advice","start":13.599999,"end":14.0,"confidence":0.99560547,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.32546281814575195},{"word":"is","start":14.0,"end":14.16,"confidence":0.9790039,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.20992308855056763},{"word":"now","start":14.16,"end":14.32,"confidence":0.9970703,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.24509507417678833},{"word":"still","start":14.32,"end":14.559999,"confidence":0.9941406,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.23764799535274503},{"word":"a","start":14.559999,"end":14.639999,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.33223843574523926},{"word":"good","start":14.639999,"end":14.88,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.3161957263946533},{"word":"time","start":14.88,"end":15.12,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.3841719627380371},{"word":"there","start":15.12,"end":15.28,"confidence":0.9970703,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.34709495306015015},{"word":"for","start":15.28,"end":15.5199995,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.296308696269989},{"word":"you","start":15.5199995,"end":15.975,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.2602429986000061},{"word":"yeah","start":17.415,"end":17.895,"confidence":0.95703125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2447200119495392},{"word":"fantastic","start":17.895,"end":18.395,"confidence":0.9995117,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.48182135820388794},{"word":"erin","start":18.695,"end":19.015,"confidence":0.8015137,"punctuated_word":"Erin,","sentiment":"neutral","sentiment_score":0.12307067960500716},{"word":"do","start":19.015,"end":19.175,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0369434580206871},{"word":"you","start":19.175,"end":19.255001,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04466048628091812},{"word":"happen","start":19.255001,"end":19.495,"confidence":1.0,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.05385943129658699},{"word":"to","start":19.495,"end":19.575,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02461876906454563},{"word":"have","start":19.575,"end":19.735,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02676760032773018},{"word":"access","start":19.735,"end":20.055,"confidence":0.99902344,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.03955767676234245},{"word":"to","start":20.055,"end":20.215,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03811778128147125},{"word":"your","start":20.215,"end":20.375,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.038325127214193344},{"word":"email","start":20.375,"end":20.615,"confidence":0.67700195,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.06814902275800705},{"word":"sir","start":20.615,"end":20.855,"confidence":0.9885254,"punctuated_word":"sir,","sentiment":"neutral","sentiment_score":0.07450846582651138},{"word":"at","start":20.855,"end":20.935001,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04448335245251656},{"word":"the","start":20.935001,"end":21.095001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08096784353256226},{"word":"moment","start":21.095001,"end":21.415,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.08366569876670837},{"word":"at","start":21.415,"end":21.495,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.097298763692379},{"word":"all","start":21.495,"end":21.655,"confidence":0.79589844,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.05898863822221756},{"word":"or","start":21.655,"end":21.895,"confidence":0.9980469,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.02666575461626053},{"word":"is","start":21.895,"end":22.135,"confidence":0.90478516,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.00294516421854496},{"word":"not","start":23.255001,"end":23.575,"confidence":0.984375,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.17859695851802826},{"word":"really","start":23.575,"end":24.075,"confidence":0.97143555,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":0.013368706218898296},{"word":"yeah","start":24.295,"end":24.695,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1364438235759735},{"word":"beautiful","start":24.695,"end":25.195,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.3800959587097168},{"word":"what","start":25.415,"end":25.654999,"confidence":0.9970703,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.18097184598445892},{"word":"i'll","start":25.654999,"end":25.735,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.16908620297908783},{"word":"do","start":25.735,"end":25.895,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19269047677516937},{"word":"is","start":25.895,"end":26.055,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1547601968050003},{"word":"i'll","start":26.055,"end":26.135,"confidence":0.99365234,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.13646529614925385},{"word":"send","start":26.135,"end":26.375,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.16364936530590057},{"word":"you","start":26.375,"end":26.535,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15673840045928955},{"word":"an","start":26.535,"end":26.695,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.14477691054344177},{"word":"email","start":26.695,"end":26.935001,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.20524249970912933},{"word":"with","start":26.935001,"end":27.095001,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1992902904748917},{"word":"the","start":27.095001,"end":27.175,"confidence":0.8647461,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17652814090251925},{"word":"statement","start":27.175,"end":27.494999,"confidence":0.99902344,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.17912177741527557},{"word":"of","start":27.494999,"end":27.654999,"confidence":0.5942383,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18948876857757568},{"word":"advice","start":27.654999,"end":27.895,"confidence":0.8901367,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.16361308097839355},{"word":"so","start":27.895,"end":27.975,"confidence":0.890625,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1693512499332428},{"word":"if","start":27.975,"end":28.135,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17957469820976257},{"word":"you've","start":28.135,"end":28.295,"confidence":0.9914551,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.1552218794822693},{"word":"got","start":28.295,"end":28.455,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.12064778804779051},{"word":"a","start":28.455,"end":28.535,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16578924655914307},{"word":"chance","start":28.535,"end":28.775,"confidence":0.9267578,"punctuated_word":"chance,","sentiment":"neutral","sentiment_score":0.17361220717430115},{"word":"you're","start":28.775,"end":28.935001,"confidence":0.9951172,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.17691165208816528},{"word":"able","start":28.935001,"end":29.175,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.20608636736869812},{"word":"to","start":29.175,"end":29.255001,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2386825680732727},{"word":"open","start":29.255001,"end":29.494999,"confidence":1.0,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.19236019253730777},{"word":"that","start":29.494999,"end":29.654999,"confidence":0.8730469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.287007600069046},{"word":"up","start":29.654999,"end":29.815,"confidence":0.8269043,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.25157180428504944},{"word":"this","start":29.815,"end":29.975,"confidence":0.8256836,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.252615362405777},{"word":"is","start":29.975,"end":30.055,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2683147192001343},{"word":"easier","start":30.055,"end":30.375,"confidence":0.73291016,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.2573789954185486},{"word":"if","start":30.375,"end":30.455,"confidence":0.54296875,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2756091356277466},{"word":"we","start":30.455,"end":30.535,"confidence":0.97265625,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23741215467453003},{"word":"go","start":30.535,"end":30.775,"confidence":0.98828125,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2529657781124115},{"word":"through","start":30.775,"end":31.015,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.27932876348495483},{"word":"it","start":31.015,"end":31.175,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.27185165882110596},{"word":"together","start":31.175,"end":31.675,"confidence":0.99902344,"punctuated_word":"together.","sentiment":"neutral","sentiment_score":0.16702744364738464},{"word":"before","start":32.27,"end":32.67,"confidence":0.9633789,"punctuated_word":"Before","sentiment":"neutral","sentiment_score":0.079239122569561},{"word":"i","start":32.67,"end":32.829998,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09128869324922562},{"word":"jump","start":32.829998,"end":33.07,"confidence":0.9970703,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.09351114928722382},{"word":"into","start":33.07,"end":33.23,"confidence":0.9941406,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.07641610503196716},{"word":"the","start":33.23,"end":33.39,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0836966410279274},{"word":"call","start":33.39,"end":33.71,"confidence":0.842041,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":0.05672954022884369},{"word":"i","start":33.71,"end":33.79,"confidence":0.7089844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10163582861423492},{"word":"just","start":33.79,"end":34.03,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1023380160331726},{"word":"need","start":34.03,"end":34.11,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.10450350493192671},{"word":"to","start":34.11,"end":34.27,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06697933375835419},{"word":"also","start":34.27,"end":34.51,"confidence":0.99316406,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.060858104377985},{"word":"let","start":34.51,"end":34.67,"confidence":0.9980469,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.07196669280529022},{"word":"you","start":34.67,"end":34.75,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08053883165121078},{"word":"know","start":34.75,"end":34.91,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.09594638645648956},{"word":"we","start":34.91,"end":35.07,"confidence":0.87597656,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08082707226276398},{"word":"do","start":35.07,"end":35.309998,"confidence":0.9941406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09147404134273528},{"word":"record","start":35.309998,"end":35.629997,"confidence":0.9941406,"punctuated_word":"record","sentiment":"neutral","sentiment_score":0.08647278696298599},{"word":"our","start":35.629997,"end":35.71,"confidence":0.99609375,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.05851774662733078},{"word":"calls","start":35.71,"end":35.949997,"confidence":0.99121094,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.05956873297691345},{"word":"for","start":35.949997,"end":36.11,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06905808299779892},{"word":"quality","start":36.11,"end":36.43,"confidence":1.0,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.05833490565419197},{"word":"and","start":36.43,"end":36.59,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05331367626786232},{"word":"training","start":36.59,"end":36.989998,"confidence":1.0,"punctuated_word":"training","sentiment":"neutral","sentiment_score":0.0694253072142601},{"word":"purposes","start":36.989998,"end":37.469997,"confidence":0.99658203,"punctuated_word":"purposes.","sentiment":"neutral","sentiment_score":0.08280492573976517},{"word":"are","start":37.469997,"end":37.71,"confidence":0.9873047,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.08043859899044037},{"word":"you","start":37.71,"end":37.87,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10787510126829147},{"word":"happy","start":37.87,"end":38.11,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.10037008672952652},{"word":"for","start":38.11,"end":38.27,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15268456935882568},{"word":"me","start":38.27,"end":38.51,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.12687107920646667},{"word":"to","start":38.51,"end":38.59,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12213999032974245},{"word":"proceed","start":38.59,"end":38.989998,"confidence":1.0,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":0.13276803493499756},{"word":"with","start":38.989998,"end":39.149998,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.15944360196590424},{"word":"that","start":39.149998,"end":39.649998,"confidence":1.0,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.16663390398025513},{"word":"fantastic","start":41.23,"end":41.73,"confidence":0.99902344,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.704848051071167},{"word":"and","start":42.19,"end":42.43,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.23134376108646393},{"word":"also","start":42.43,"end":42.75,"confidence":0.55371094,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.16476580500602722},{"word":"just","start":42.75,"end":42.989998,"confidence":0.7446289,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17551840841770172},{"word":"to","start":42.989998,"end":43.149998,"confidence":0.9838867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18853874504566193},{"word":"do","start":43.149998,"end":43.39,"confidence":0.9902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15377101302146912},{"word":"security","start":43.39,"end":43.87,"confidence":0.98828125,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.12374705821275712},{"word":"there","start":43.87,"end":44.03,"confidence":0.96240234,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.15271614491939545},{"word":"with","start":44.03,"end":44.19,"confidence":0.98095703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13885709643363953},{"word":"you","start":44.19,"end":44.35,"confidence":0.9226074,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.14590539038181305},{"word":"just","start":44.35,"end":44.51,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16470608115196228},{"word":"to","start":44.51,"end":44.67,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.162938192486763},{"word":"confirm","start":44.67,"end":44.989998,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.12301339954137802},{"word":"your","start":44.989998,"end":45.23,"confidence":0.71728516,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11463821679353714},{"word":"full","start":45.23,"end":45.39,"confidence":1.0,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.13841652870178223},{"word":"name","start":45.39,"end":45.629997,"confidence":0.9975586,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.10586585849523544},{"word":"your","start":45.629997,"end":45.79,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10890872031450272},{"word":"date","start":45.79,"end":45.949997,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.14274024963378906},{"word":"of","start":45.949997,"end":46.03,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12769468128681183},{"word":"birth","start":46.03,"end":46.269997,"confidence":0.9875488,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.12940990924835205},{"word":"and","start":46.269997,"end":46.43,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1251537799835205},{"word":"address","start":46.43,"end":46.829998,"confidence":1.0,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.1474086195230484},{"word":"i","start":46.829998,"end":46.91,"confidence":0.8364258,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14835059642791748},{"word":"should","start":46.91,"end":47.149998,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.16381411254405975},{"word":"have","start":47.149998,"end":47.309998,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13166643679141998},{"word":"on","start":47.309998,"end":47.685,"confidence":0.9941406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12449107319116592},{"word":"file","start":53.685,"end":53.845,"confidence":0.907959,"punctuated_word":"file.","sentiment":"neutral","sentiment_score":0.07883448898792267},{"word":"beautiful","start":53.845,"end":54.345,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.47643959522247314},{"word":"thank","start":54.405003,"end":54.645,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5642400979995728},{"word":"you","start":54.645,"end":54.885002,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5222331285476685},{"word":"so","start":54.885002,"end":55.045002,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.577263593673706},{"word":"much","start":55.045002,"end":55.365,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.630299985408783},{"word":"for","start":55.365,"end":55.445,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6484663486480713},{"word":"that","start":55.445,"end":55.685,"confidence":0.9291992,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.6244900226593018},{"word":"and","start":55.685,"end":55.845,"confidence":0.9970703,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.4599453210830689},{"word":"how's","start":55.845,"end":56.165,"confidence":0.9589844,"punctuated_word":"how's","sentiment":"positive","sentiment_score":0.35976967215538025},{"word":"your","start":56.165,"end":56.325,"confidence":0.94140625,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.33242782950401306},{"word":"day","start":56.325,"end":56.565002,"confidence":1.0,"punctuated_word":"day","sentiment":"positive","sentiment_score":0.3851572871208191},{"word":"been","start":56.565002,"end":56.805,"confidence":0.9013672,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.3265150487422943},{"word":"so","start":56.805,"end":57.045002,"confidence":0.9980469,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.343924343585968},{"word":"far","start":57.045002,"end":57.545002,"confidence":0.9995117,"punctuated_word":"far?","sentiment":"positive","sentiment_score":0.34113919734954834},{"word":"oh","start":59.365,"end":59.685,"confidence":0.91918945,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.22483783960342407},{"word":"that's","start":59.685,"end":60.085,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.27572983503341675},{"word":"good","start":60.085,"end":60.585,"confidence":0.9914551,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3415014445781708},{"word":"good","start":60.805,"end":61.045002,"confidence":0.9875488,"punctuated_word":"Good.","sentiment":"neutral","sentiment_score":0.31833264231681824},{"word":"i","start":61.045002,"end":61.205,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22149790823459625},{"word":"can","start":61.205,"end":61.285,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.161751851439476},{"word":"hear","start":61.285,"end":61.525,"confidence":0.9951172,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":0.19365274906158447},{"word":"the","start":61.525,"end":61.605003,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1614520698785782},{"word":"kids","start":61.605003,"end":61.845,"confidence":0.9902344,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.1654580682516098},{"word":"in","start":61.845,"end":61.925003,"confidence":0.98535156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17968592047691345},{"word":"the","start":61.925003,"end":62.085,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1568496972322464},{"word":"background","start":62.085,"end":62.485,"confidence":0.9645996,"punctuated_word":"background.","sentiment":"neutral","sentiment_score":0.1852194666862488},{"word":"everyone's","start":62.485,"end":62.985,"confidence":0.9970703,"punctuated_word":"Everyone's","sentiment":"neutral","sentiment_score":0.08993576467037201},{"word":"home","start":63.045002,"end":63.545002,"confidence":0.7183838,"punctuated_word":"home,","sentiment":"neutral","sentiment_score":0.07400833815336227},{"word":"ready","start":63.82,"end":63.98,"confidence":0.99902344,"punctuated_word":"Ready","sentiment":"neutral","sentiment_score":0.10870034247636796},{"word":"for","start":63.98,"end":64.14,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1150263175368309},{"word":"the","start":64.14,"end":64.38,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10928098857402802},{"word":"afternoon","start":64.38,"end":64.88,"confidence":0.782959,"punctuated_word":"afternoon?","sentiment":"neutral","sentiment_score":0.1165568307042122},{"word":"yeah","start":67.9,"end":68.4,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10751719772815704},{"word":"oh","start":68.86,"end":69.02,"confidence":0.8581543,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.17075471580028534},{"word":"all","start":69.02,"end":69.18,"confidence":0.36547852,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2347350716590881},{"word":"good","start":69.18,"end":69.34,"confidence":0.98413086,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.1989264190196991},{"word":"well","start":69.34,"end":69.58,"confidence":0.9147949,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.08142413944005966},{"word":"look","start":69.58,"end":69.74,"confidence":0.8117676,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.08099198341369629},{"word":"because","start":69.74,"end":69.979996,"confidence":0.9941406,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.08342309296131134},{"word":"you","start":69.979996,"end":70.14,"confidence":0.9482422,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10722070932388306},{"word":"do","start":70.14,"end":70.3,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0982709974050522},{"word":"have","start":70.3,"end":70.38,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11520523577928544},{"word":"the","start":70.38,"end":70.46,"confidence":0.82910156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1275573968887329},{"word":"kids","start":70.46,"end":70.7,"confidence":0.9980469,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.129773810505867},{"word":"there","start":70.7,"end":70.86,"confidence":0.7092285,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.15964850783348083},{"word":"if","start":70.86,"end":71.02,"confidence":0.9921875,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17556574940681458},{"word":"you","start":71.02,"end":71.18,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11044047772884368},{"word":"do","start":71.18,"end":71.34,"confidence":0.98291016,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07441583275794983},{"word":"need","start":71.34,"end":71.5,"confidence":0.9921875,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.10108379274606703},{"word":"me","start":71.5,"end":71.58,"confidence":0.99609375,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.119027741253376},{"word":"to","start":71.58,"end":71.74,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10359883308410645},{"word":"stop","start":71.74,"end":71.979996,"confidence":0.9951172,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":0.08751684427261353},{"word":"at","start":71.979996,"end":72.14,"confidence":0.984375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10691967606544496},{"word":"any","start":72.14,"end":72.38,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1656668335199356},{"word":"point","start":72.38,"end":72.62,"confidence":0.99658203,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":0.11749842017889024},{"word":"just","start":72.62,"end":72.86,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11921507120132446},{"word":"let","start":72.86,"end":73.02,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1387157291173935},{"word":"me","start":73.02,"end":73.1,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1528313010931015},{"word":"know","start":73.1,"end":73.34,"confidence":0.99902344,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.1929866373538971},{"word":"i'm","start":73.34,"end":73.5,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.23782366514205933},{"word":"happy","start":73.5,"end":73.74,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.27423298358917236},{"word":"to","start":73.74,"end":73.9,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2872017025947571},{"word":"take","start":73.9,"end":74.14,"confidence":1.0,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.33677443861961365},{"word":"a","start":74.14,"end":74.22,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3053860068321228},{"word":"break","start":74.22,"end":74.46,"confidence":1.0,"punctuated_word":"break","sentiment":"positive","sentiment_score":0.3601651191711426},{"word":"and","start":74.46,"end":74.86,"confidence":0.9560547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2709285616874695},{"word":"give","start":74.86,"end":75.02,"confidence":0.9038086,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.29605633020401},{"word":"you","start":75.02,"end":75.1,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26822954416275024},{"word":"a","start":75.1,"end":75.26,"confidence":0.8989258,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24957427382469177},{"word":"chance","start":75.26,"end":75.5,"confidence":0.99902344,"punctuated_word":"chance","sentiment":"neutral","sentiment_score":0.21059107780456543},{"word":"to","start":75.5,"end":75.66,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2874598205089569},{"word":"do","start":75.66,"end":75.74,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.3087118864059448},{"word":"what","start":75.74,"end":75.9,"confidence":0.9902344,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.34419703483581543},{"word":"you","start":75.9,"end":75.979996,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.274749755859375},{"word":"need","start":75.979996,"end":76.14,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.287737637758255},{"word":"to","start":76.14,"end":76.3,"confidence":0.8508301,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.22398968040943143},{"word":"but","start":76.3,"end":76.46,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.21456992626190183},{"word":"i'll","start":76.46,"end":76.62,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.14860163629055023},{"word":"try","start":76.62,"end":76.86,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.1445636749267578},{"word":"to","start":76.86,"end":76.94,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1611914336681366},{"word":"run","start":76.94,"end":77.1,"confidence":0.99902344,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.1290922909975052},{"word":"through","start":77.1,"end":77.34,"confidence":0.99609375,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.18698985874652865},{"word":"this","start":77.34,"end":77.5,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2308950871229172},{"word":"as","start":77.5,"end":77.58,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.20512863993644712},{"word":"quickly","start":77.58,"end":77.979996,"confidence":0.9970703,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.2425858974456787},{"word":"as","start":77.979996,"end":78.06,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1881314218044281},{"word":"i","start":78.06,"end":78.14,"confidence":0.98095703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19446788728237152},{"word":"can","start":78.14,"end":78.38,"confidence":0.9941406,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1901453286409378},{"word":"to","start":78.38,"end":78.46,"confidence":0.9716797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19020745158195496},{"word":"make","start":78.46,"end":78.735,"confidence":0.9790039,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.16196028888225555},{"word":"sure","start":79.455,"end":79.535,"confidence":0.80371094,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.20541588962078097},{"word":"i","start":79.535,"end":79.615,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1807288229465485},{"word":"give","start":79.615,"end":79.695,"confidence":0.98828125,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.215824156999588},{"word":"you","start":79.695,"end":79.775,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19591975212097168},{"word":"the","start":79.775,"end":79.854996,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21283259987831116},{"word":"information","start":79.854996,"end":79.935,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.2153880000114441},{"word":"required","start":79.935,"end":80.435,"confidence":0.9980469,"punctuated_word":"required.","sentiment":"neutral","sentiment_score":0.18465568125247955},{"word":"okay","start":80.575,"end":81.075,"confidence":0.91796875,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.1431260108947754},{"word":"excellent","start":82.575,"end":83.075,"confidence":0.9980469,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.47035375237464905},{"word":"just","start":83.615,"end":83.935,"confidence":0.4338379,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.2544257342815399},{"word":"let","start":83.935,"end":84.095,"confidence":0.9951172,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2272097170352936},{"word":"me","start":84.095,"end":84.175,"confidence":0.9980469,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.22367419302463531},{"word":"know","start":84.175,"end":84.335,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.24136264622211456},{"word":"when","start":84.335,"end":84.495,"confidence":0.9707031,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.20556557178497312},{"word":"the","start":84.495,"end":84.655,"confidence":0.8076172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16717647016048431},{"word":"email","start":84.655,"end":84.975,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.16542446613311768},{"word":"does","start":84.975,"end":85.215004,"confidence":0.9980469,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.11641411483287813},{"word":"happen","start":85.215004,"end":85.455,"confidence":0.9921875,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.18112938106060028},{"word":"to","start":85.455,"end":85.535,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18418116867542267},{"word":"pop","start":85.535,"end":85.775,"confidence":0.9980469,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":0.23268702626228333},{"word":"through","start":85.775,"end":86.015,"confidence":0.99316406,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.20540577173233032},{"word":"it'll","start":86.015,"end":86.255,"confidence":0.98950195,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":0.17048761248588562},{"word":"come","start":86.255,"end":86.415,"confidence":0.98291016,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.1902582049369812},{"word":"through","start":86.415,"end":86.655,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.17586179077625275},{"word":"from","start":86.655,"end":86.975,"confidence":0.9970703,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.16785891354084015},{"word":"odoosign","start":86.975,"end":87.475,"confidence":0.6555176,"punctuated_word":"OdooSign,","sentiment":"neutral","sentiment_score":0.18478915095329285},{"word":"and","start":87.695,"end":87.855,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1846252828836441},{"word":"it'll","start":87.855,"end":88.015,"confidence":0.9633789,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.17213056981563568},{"word":"probably","start":88.015,"end":88.335,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.1851654052734375},{"word":"come","start":88.335,"end":88.495,"confidence":0.99902344,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.13007691502571106},{"word":"from","start":88.495,"end":88.735,"confidence":0.99316406,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.11880702525377274},{"word":"my","start":88.735,"end":88.895004,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.13736481964588165},{"word":"email","start":88.895004,"end":89.215,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.15180297195911407},{"word":"address","start":89.215,"end":89.715,"confidence":1.0,"punctuated_word":"address.","sentiment":"neutral","sentiment_score":0.1257273554801941},{"word":"you","start":91.23,"end":91.39,"confidence":0.95410156,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.09074686467647552},{"word":"do","start":91.39,"end":91.79,"confidence":0.6687012,"punctuated_word":"do?","sentiment":"neutral","sentiment_score":0.10338403284549712},{"word":"fantastic","start":91.79,"end":92.29,"confidence":0.99902344,"punctuated_word":"Fantastic.","sentiment":"neutral","sentiment_score":0.029251087456941605},{"word":"so","start":93.07,"end":93.31,"confidence":0.6484375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0852397158741951},{"word":"opening","start":93.31,"end":93.63,"confidence":0.99902344,"punctuated_word":"opening","sentiment":"neutral","sentiment_score":0.06759002804756165},{"word":"that","start":93.63,"end":93.71,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08745059370994568},{"word":"one","start":93.71,"end":93.87,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.07899932563304901},{"word":"up","start":93.87,"end":94.03,"confidence":0.95581055,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.07796023786067963},{"word":"if","start":94.03,"end":94.19,"confidence":0.9863281,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06808678805828094},{"word":"you","start":94.19,"end":94.35,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.046110689640045166},{"word":"press","start":94.35,"end":94.67,"confidence":0.9892578,"punctuated_word":"press","sentiment":"neutral","sentiment_score":0.04634967073798179},{"word":"the","start":94.67,"end":94.83,"confidence":0.93408203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05171210318803787},{"word":"sign","start":94.83,"end":95.15,"confidence":0.9863281,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.032754745334386826},{"word":"button","start":95.15,"end":95.39,"confidence":0.9748535,"punctuated_word":"button,","sentiment":"neutral","sentiment_score":0.05664466693997383},{"word":"it","start":95.39,"end":95.55,"confidence":0.9404297,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.090588316321373},{"word":"takes","start":95.55,"end":95.79,"confidence":0.97314453,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":0.08484905958175659},{"word":"you","start":95.79,"end":95.87,"confidence":0.9267578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08390148729085922},{"word":"through","start":95.87,"end":96.11,"confidence":0.9838867,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08076641708612442},{"word":"so","start":96.11,"end":96.27,"confidence":0.8964844,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.10022465139627457},{"word":"you","start":96.27,"end":96.43,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1002005860209465},{"word":"can","start":96.43,"end":96.59,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08680553734302521},{"word":"review","start":96.59,"end":96.91,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.10576537996530531},{"word":"the","start":96.91,"end":97.15,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10008904337882996},{"word":"advice","start":97.15,"end":97.47,"confidence":0.72021484,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.06265328824520111},{"word":"document","start":97.47,"end":97.95,"confidence":0.99560547,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.07477482408285141},{"word":"we","start":97.95,"end":98.11,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.09983910620212556},{"word":"do","start":98.11,"end":98.27,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12668800354003906},{"word":"have","start":98.27,"end":98.43,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1288212686777115},{"word":"all","start":98.43,"end":98.59,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.08803533017635345},{"word":"the","start":98.59,"end":98.75,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09019607305526732},{"word":"other","start":98.75,"end":98.99,"confidence":0.9980469,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.0720776915550232},{"word":"additional","start":98.99,"end":99.47,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.06365899741649628},{"word":"documents","start":99.47,"end":99.95,"confidence":0.9951172,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.04891547188162803},{"word":"attached","start":99.95,"end":100.43,"confidence":1.0,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":0.09114187955856325},{"word":"for","start":100.43,"end":100.59,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1169843077659607},{"word":"you","start":100.59,"end":100.83,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10803186148405076},{"word":"as","start":100.83,"end":100.99,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11426011472940444},{"word":"well","start":100.99,"end":101.49,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.07688987255096436},{"word":"on","start":102.11,"end":102.27,"confidence":0.9560547,"punctuated_word":"On","sentiment":"neutral","sentiment_score":0.04986712336540222},{"word":"the","start":102.27,"end":102.43,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04161299020051956},{"word":"front","start":102.43,"end":102.75,"confidence":0.9970703,"punctuated_word":"front","sentiment":"neutral","sentiment_score":0.04252801835536957},{"word":"there","start":102.75,"end":102.99,"confidence":0.98950195,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.04350635409355163},{"word":"it","start":102.99,"end":103.15,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05836450308561325},{"word":"will","start":103.15,"end":103.31,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.04429185390472412},{"word":"state","start":103.31,"end":103.63,"confidence":0.94189453,"punctuated_word":"state","sentiment":"neutral","sentiment_score":0.02947361022233963},{"word":"statement","start":103.63,"end":104.03,"confidence":0.8388672,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.04320193827152252},{"word":"of","start":104.03,"end":104.11,"confidence":0.91015625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01052967831492424},{"word":"a","start":104.11,"end":104.27,"confidence":0.7841797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01715812459588051},{"word":"rash","start":104.27,"end":104.43,"confidence":0.5593262,"punctuated_word":"rash,","sentiment":"neutral","sentiment_score":-0.006328540854156017},{"word":"prepare","start":104.43,"end":104.83,"confidence":0.92822266,"punctuated_word":"prepare","sentiment":"neutral","sentiment_score":0.020209848880767822},{"word":"for","start":104.83,"end":104.99,"confidence":0.9604492,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.014411546289920809},{"word":"yourself","start":104.99,"end":105.39,"confidence":0.99902344,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.030449751764535904},{"word":"as","start":105.39,"end":105.55,"confidence":0.9921875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04626583307981491},{"word":"of","start":105.55,"end":105.71,"confidence":0.98291016,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03627572953701019},{"word":"the","start":105.71,"end":105.825,"confidence":0.640625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.030578939244151115},{"word":"06/24/2026","start":105.905,"end":107.66499,"confidence":0.9767369,"punctuated_word":"06/24/2026.","sentiment":"neutral","sentiment_score":0.030952727422118187},{"word":"so","start":107.66499,"end":107.744995,"confidence":0.7036133,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08368527889251709},{"word":"all","start":107.744995,"end":107.905,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.10107028484344482},{"word":"of","start":107.905,"end":108.064995,"confidence":0.93359375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1212729811668396},{"word":"that","start":108.064995,"end":108.225,"confidence":0.65185547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12087403237819672},{"word":"advice","start":108.225,"end":108.465,"confidence":0.7578125,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.05316596105694771},{"word":"is","start":108.465,"end":108.625,"confidence":0.9863281,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07429541647434235},{"word":"valid","start":108.625,"end":108.865,"confidence":0.87353516,"punctuated_word":"valid","sentiment":"neutral","sentiment_score":0.0910494029521942},{"word":"for","start":108.865,"end":109.024994,"confidence":0.99121094,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0702478438615799},{"word":"sixty","start":109.024994,"end":109.424995,"confidence":0.99609375,"punctuated_word":"sixty","sentiment":"neutral","sentiment_score":0.09206497669219972},{"word":"days","start":109.424995,"end":109.66499,"confidence":1.0,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.07968860864639282},{"word":"from","start":109.66499,"end":109.825,"confidence":0.99609375,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.072676882147789},{"word":"the","start":109.825,"end":109.905,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07868584990501404},{"word":"date","start":109.905,"end":110.145,"confidence":0.90625,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.06005376949906349},{"word":"on","start":110.145,"end":110.305,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06754603981971741},{"word":"the","start":110.305,"end":110.465,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07638982683420181},{"word":"document","start":110.465,"end":110.945,"confidence":0.9326172,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.07257627695798874},{"word":"there","start":110.945,"end":111.445,"confidence":0.9707031,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.08727779984474182},{"word":"and","start":111.744995,"end":111.905,"confidence":0.5776367,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07635794579982758},{"word":"has","start":111.905,"end":112.145,"confidence":0.9970703,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.08035086840391159},{"word":"been","start":112.145,"end":112.305,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.09482184052467346},{"word":"prepared","start":112.305,"end":112.784996,"confidence":1.0,"punctuated_word":"prepared","sentiment":"neutral","sentiment_score":0.11209934949874878},{"word":"for","start":112.784996,"end":113.024994,"confidence":0.48266602,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07634779065847397},{"word":"myself","start":113.024994,"end":113.424995,"confidence":0.99316406,"punctuated_word":"myself","sentiment":"neutral","sentiment_score":0.11828411370515823},{"word":"and","start":113.424995,"end":113.66499,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06499223411083221},{"word":"my","start":113.66499,"end":113.744995,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.08235840499401093},{"word":"team","start":113.744995,"end":113.985,"confidence":1.0,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.08317184448242188},{"word":"here","start":113.985,"end":114.145,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.13142240047454834},{"word":"at","start":114.145,"end":114.30499,"confidence":0.9892578,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1144927814602852},{"word":"oakview","start":114.30499,"end":114.625,"confidence":0.34277344,"punctuated_word":"Oakview","sentiment":"neutral","sentiment_score":0.07737042009830475},{"word":"financial","start":114.625,"end":115.125,"confidence":0.88793945,"punctuated_word":"Financial,","sentiment":"neutral","sentiment_score":0.07767222821712494},{"word":"and","start":115.185,"end":115.34499,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06357426196336746},{"word":"my","start":115.34499,"end":115.505,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.05869240686297417},{"word":"licensed","start":115.505,"end":115.985,"confidence":0.87158203,"punctuated_word":"licensed","sentiment":"neutral","sentiment_score":0.040919046849012375},{"word":"representative","start":115.985,"end":116.485,"confidence":1.0,"punctuated_word":"representative","sentiment":"neutral","sentiment_score":0.04246470332145691},{"word":"number","start":116.545,"end":116.865,"confidence":0.99902344,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.03543499857187271},{"word":"is","start":116.865,"end":117.024994,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0501256138086319},{"word":"1304394","start":117.024994,"end":119.104996,"confidence":1.0,"punctuated_word":"1304394.","sentiment":"neutral","sentiment_score":0.06199531629681587},{"word":"okay","start":119.104996,"end":119.604996,"confidence":0.9272461,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.02974553219974041},{"word":"faith","start":121.88,"end":122.28,"confidence":0.33465576,"punctuated_word":"Faith,","sentiment":"neutral","sentiment_score":0.01430448330938816},{"word":"now","start":122.28,"end":122.439995,"confidence":0.6123047,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.020150158554315567},{"word":"as","start":122.439995,"end":122.52,"confidence":0.93115234,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.011651832610368729},{"word":"you","start":122.52,"end":122.68,"confidence":0.97802734,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0213986337184906},{"word":"are","start":122.68,"end":122.84,"confidence":0.9873047,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.02466414123773575},{"word":"running","start":122.84,"end":123.079994,"confidence":1.0,"punctuated_word":"running","sentiment":"neutral","sentiment_score":0.027910081669688225},{"word":"through","start":123.079994,"end":123.24,"confidence":0.8359375,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.027843445539474487},{"word":"the","start":123.24,"end":123.399994,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.024764560163021088},{"word":"first","start":123.399994,"end":123.56,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.01986224763095379},{"word":"couple","start":123.56,"end":123.88,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.024497926235198975},{"word":"of","start":123.88,"end":123.96,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0355740562081337},{"word":"pages","start":123.96,"end":124.36,"confidence":1.0,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.01915179193019867},{"word":"there","start":124.36,"end":124.52,"confidence":0.89331055,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.03699544817209244},{"word":"it","start":124.52,"end":124.68,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04563397169113159},{"word":"outlines","start":124.68,"end":125.159996,"confidence":0.97998047,"punctuated_word":"outlines","sentiment":"neutral","sentiment_score":0.020899202674627304},{"word":"essentially","start":125.159996,"end":125.56,"confidence":0.81152344,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.01925726979970932},{"word":"that","start":125.56,"end":125.71999,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.026388050988316536},{"word":"the","start":125.71999,"end":125.88,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03279063105583191},{"word":"advice","start":125.88,"end":126.2,"confidence":0.9819336,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.030698448419570923},{"word":"has","start":126.2,"end":126.36,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.024568207561969757},{"word":"been","start":126.36,"end":126.6,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.03575965389609337},{"word":"prepared","start":126.6,"end":127.0,"confidence":0.99902344,"punctuated_word":"prepared","sentiment":"neutral","sentiment_score":0.04550180211663246},{"word":"under","start":127.0,"end":127.24,"confidence":1.0,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.05652511864900589},{"word":"the","start":127.24,"end":127.32,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03945692256093025},{"word":"best","start":127.32,"end":127.64,"confidence":0.97802734,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.0282062403857708},{"word":"interest","start":127.64,"end":127.96,"confidence":0.9892578,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.033034004271030426},{"word":"duty","start":127.96,"end":128.28,"confidence":0.9069824,"punctuated_word":"duty,","sentiment":"neutral","sentiment_score":0.0497453473508358},{"word":"which","start":128.28,"end":128.44,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.05595547705888748},{"word":"is","start":128.44,"end":128.59999,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03375570476055145},{"word":"part","start":128.59999,"end":128.84,"confidence":0.6352539,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.05038699507713318},{"word":"of","start":128.84,"end":129.0,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0552181676030159},{"word":"the","start":129.0,"end":129.16,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.047316774725914},{"word":"corporations","start":129.16,"end":129.66,"confidence":0.52685547,"punctuated_word":"corporations","sentiment":"neutral","sentiment_score":0.02888287417590618},{"word":"act","start":129.8,"end":130.3,"confidence":0.77075195,"punctuated_word":"act.","sentiment":"neutral","sentiment_score":0.041337933391332626},{"word":"it's","start":130.51999,"end":130.68,"confidence":0.8312988,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.04590310901403427},{"word":"also","start":130.68,"end":131.0,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.02441307343542576},{"word":"got","start":131.0,"end":131.16,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.04908982664346695},{"word":"the","start":131.16,"end":131.31999,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03487382456660271},{"word":"areas","start":131.31999,"end":131.64,"confidence":0.9921875,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.045405007898807526},{"word":"that","start":131.64,"end":131.8,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.035321205854415894},{"word":"we","start":131.8,"end":131.95999,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.032265909016132355},{"word":"have","start":131.95999,"end":132.2,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04070308059453964},{"word":"scoped","start":132.2,"end":132.585,"confidence":0.9921875,"punctuated_word":"scoped","sentiment":"neutral","sentiment_score":0.0538855642080307},{"word":"in","start":132.585,"end":132.90501,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.045494019985198975},{"word":"or","start":132.90501,"end":133.065,"confidence":0.99316406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04163641482591629},{"word":"are","start":133.065,"end":133.225,"confidence":0.9892578,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.033599354326725006},{"word":"providing","start":133.225,"end":133.725,"confidence":1.0,"punctuated_word":"providing","sentiment":"neutral","sentiment_score":0.039510250091552734},{"word":"advice","start":133.865,"end":134.18501,"confidence":0.98095703,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.05307464301586151},{"word":"on","start":134.18501,"end":134.505,"confidence":0.9904785,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.03986245021224022},{"word":"so","start":134.505,"end":134.82501,"confidence":0.9667969,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.03209620714187622},{"word":"essentially","start":134.82501,"end":135.30501,"confidence":0.9995117,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.023074526339769363},{"word":"one","start":135.30501,"end":135.54501,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.01801658794283867},{"word":"of","start":135.54501,"end":135.625,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.016912929713726044},{"word":"your","start":135.625,"end":136.125,"confidence":0.83374023,"punctuated_word":"your,","sentiment":"neutral","sentiment_score":0.016296444460749626},{"word":"goals","start":136.505,"end":136.74501,"confidence":0.99902344,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":-0.018007174134254456},{"word":"was","start":136.74501,"end":136.905,"confidence":0.9790039,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.020740583539009098},{"word":"that","start":136.905,"end":137.065,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.011204414069652556},{"word":"you're","start":137.065,"end":137.225,"confidence":0.9926758,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.009717381559312344},{"word":"hoping","start":137.225,"end":137.46501,"confidence":1.0,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.020275555551052097},{"word":"to","start":137.46501,"end":137.625,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01923961192369461},{"word":"retire","start":137.625,"end":138.02501,"confidence":1.0,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.021709758788347244},{"word":"at","start":138.02501,"end":138.18501,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0025281980633735657},{"word":"about","start":138.18501,"end":138.505,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.01626422628760338},{"word":"eight","start":138.505,"end":138.74501,"confidence":0.8051758,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.003277614712715149},{"word":"sixty","start":138.74501,"end":139.24501,"confidence":0.96777344,"punctuated_word":"sixty.","sentiment":"neutral","sentiment_score":0.010650793090462685},{"word":"you're","start":139.625,"end":139.785,"confidence":0.79345703,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.0025147933047264814},{"word":"hoping","start":139.785,"end":140.10501,"confidence":0.9980469,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":-0.0024402104318141937},{"word":"to","start":140.10501,"end":140.18501,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0339464470744133},{"word":"have","start":140.18501,"end":140.425,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.03515953570604324},{"word":"the","start":140.425,"end":140.505,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07071815431118011},{"word":"house","start":140.505,"end":140.82501,"confidence":0.99902344,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.06317564845085144},{"word":"fully","start":140.82501,"end":141.145,"confidence":0.9980469,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.03239370137453079},{"word":"paid","start":141.145,"end":141.46501,"confidence":0.9863281,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.02807760238647461},{"word":"off","start":141.46501,"end":141.96501,"confidence":0.9926758,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.01661399006843567},{"word":"i","start":142.345,"end":142.505,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.007657945156097412},{"word":"believe","start":142.505,"end":142.905,"confidence":1.0,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":-0.0063508860766887665},{"word":"one","start":142.905,"end":143.225,"confidence":0.55810547,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.009427931159734726},{"word":"of","start":143.225,"end":143.38501,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.015238650143146517},{"word":"your","start":143.38501,"end":143.705,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0012763701379299164},{"word":"areas","start":143.705,"end":144.10501,"confidence":1.0,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.025290843099355698},{"word":"of","start":144.10501,"end":144.265,"confidence":0.9770508,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01085539162158966},{"word":"looking","start":144.265,"end":144.585,"confidence":0.99609375,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.0005533993244171143},{"word":"at","start":144.585,"end":144.74501,"confidence":0.9658203,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0028811395168304443},{"word":"was","start":144.74501,"end":145.065,"confidence":0.84472656,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.004301678389310837},{"word":"that","start":145.065,"end":145.30501,"confidence":0.4807129,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.003801088780164718},{"word":"you","start":145.30501,"end":145.46501,"confidence":0.97802734,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.004535488784313202},{"word":"were","start":145.46501,"end":145.625,"confidence":0.9838867,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.01626790314912796},{"word":"planning","start":145.625,"end":145.945,"confidence":0.9970703,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.016871321946382523},{"word":"to","start":145.945,"end":146.02501,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.002379484474658966},{"word":"sell","start":146.02501,"end":146.265,"confidence":0.99902344,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.00036788731813430786},{"word":"your","start":146.265,"end":146.505,"confidence":0.93408203,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.017241131514310837},{"word":"investment","start":146.505,"end":146.82,"confidence":0.9086914,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.014517679810523989},{"word":"property","start":146.98001,"end":147.22,"confidence":0.98828125,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.00605347752571106},{"word":"and","start":147.22,"end":147.3,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02966328337788582},{"word":"use","start":147.3,"end":147.54001,"confidence":0.98291016,"punctuated_word":"use","sentiment":"neutral","sentiment_score":-0.0019815638661384583},{"word":"the","start":147.54001,"end":147.70001,"confidence":0.9160156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.002096284180879593},{"word":"funds","start":147.70001,"end":148.02,"confidence":0.9716797,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.0018720850348472595},{"word":"to","start":148.02,"end":148.1,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.008741509169340134},{"word":"pay","start":148.1,"end":148.26001,"confidence":0.9970703,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.0050914958119392395},{"word":"off","start":148.26001,"end":148.42001,"confidence":0.99609375,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.01502830535173416},{"word":"your","start":148.42001,"end":148.58,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.023276355117559433},{"word":"main","start":148.58,"end":148.82,"confidence":0.9980469,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.014623720198869703},{"word":"primary","start":148.82,"end":149.22,"confidence":0.9980469,"punctuated_word":"primary","sentiment":"neutral","sentiment_score":0.018817145377397537},{"word":"residence","start":149.22,"end":149.72,"confidence":0.5566406,"punctuated_word":"residence","sentiment":"neutral","sentiment_score":0.014968283474445345},{"word":"in","start":150.18001,"end":150.34001,"confidence":0.98828125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.00571056455373764},{"word":"about","start":150.34001,"end":150.66,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.008604608476161957},{"word":"five","start":150.66,"end":150.90001,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.00830131396651268},{"word":"years'","start":150.90001,"end":151.3,"confidence":0.83740234,"punctuated_word":"years'","sentiment":"neutral","sentiment_score":-0.005945298355072737},{"word":"time","start":151.3,"end":151.8,"confidence":0.9108887,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.006104407832026482},{"word":"sorry","start":152.1,"end":152.6,"confidence":0.93115234,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.06704528629779816},{"word":"two","start":153.86,"end":154.18001,"confidence":0.9453125,"punctuated_word":"Two","sentiment":"neutral","sentiment_score":-0.0255176592618227},{"word":"years","start":154.18001,"end":154.68001,"confidence":0.94750977,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.03142814710736275},{"word":"yeah","start":155.78001,"end":156.18001,"confidence":0.85668945,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08142971992492676},{"word":"yeah","start":156.18001,"end":156.5,"confidence":0.9824219,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1211547553539276},{"word":"that's","start":156.5,"end":156.82,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.23389321565628052},{"word":"okay","start":156.82,"end":157.3,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.3154712915420532},{"word":"beautiful","start":157.3,"end":157.8,"confidence":0.9970703,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5862810611724854},{"word":"so","start":157.86,"end":158.1,"confidence":0.8803711,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.33020392060279846},{"word":"two","start":158.1,"end":158.34001,"confidence":0.98828125,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.28101664781570435},{"word":"years","start":158.34001,"end":158.66,"confidence":0.76464844,"punctuated_word":"years.","sentiment":"positive","sentiment_score":0.3859707117080689},{"word":"bring","start":158.66,"end":158.90001,"confidence":0.9980469,"punctuated_word":"Bring","sentiment":"positive","sentiment_score":0.5206403136253357},{"word":"that","start":158.90001,"end":159.14001,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4754135608673096},{"word":"forward","start":159.14001,"end":159.46,"confidence":0.9851074,"punctuated_word":"forward.","sentiment":"positive","sentiment_score":0.39711278676986694},{"word":"that's","start":159.46,"end":159.70001,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.7762479782104492},{"word":"fantastic","start":159.70001,"end":160.20001,"confidence":1.0,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.7368151545524597},{"word":"we've","start":162.30501,"end":162.625,"confidence":0.9941406,"punctuated_word":"We've","sentiment":"positive","sentiment_score":0.3652113676071167},{"word":"also","start":162.625,"end":162.865,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.3189960718154907},{"word":"scoped","start":162.865,"end":163.18501,"confidence":0.9880371,"punctuated_word":"scoped","sentiment":"neutral","sentiment_score":0.3267069458961487},{"word":"in","start":163.18501,"end":163.345,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2670416831970215},{"word":"the","start":163.345,"end":163.505,"confidence":0.9770508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.230606347322464},{"word":"insurance","start":163.505,"end":163.905,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.16849112510681152},{"word":"side","start":163.905,"end":164.065,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.18595270812511444},{"word":"of","start":164.065,"end":164.145,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19180569052696228},{"word":"things","start":164.145,"end":164.46501,"confidence":0.935791,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.1802453100681305},{"word":"so","start":164.46501,"end":164.785,"confidence":0.95825195,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.12550482153892517},{"word":"essentially","start":164.785,"end":165.285,"confidence":0.99902344,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.1092071682214737},{"word":"having","start":165.345,"end":165.585,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.1587200164794922},{"word":"a","start":165.585,"end":165.66501,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15884873270988464},{"word":"look","start":165.66501,"end":165.82501,"confidence":0.9848633,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.11873890459537506},{"word":"we","start":165.82501,"end":165.985,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14183245599269867},{"word":"do","start":165.985,"end":166.225,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.143670454621315},{"word":"have","start":166.225,"end":166.38501,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21300175786018372},{"word":"to","start":166.38501,"end":166.46501,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1542237401008606},{"word":"retain","start":166.46501,"end":166.865,"confidence":0.9863281,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.119145505130291},{"word":"c","start":166.865,"end":167.10501,"confidence":0.29467773,"punctuated_word":"C","sentiment":"neutral","sentiment_score":0.08263124525547028},{"word":"bus","start":167.10501,"end":167.265,"confidence":0.5126953,"punctuated_word":"Bus","sentiment":"neutral","sentiment_score":0.17171944677829742},{"word":"to","start":167.265,"end":167.425,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15809020400047302},{"word":"retain","start":167.425,"end":167.74501,"confidence":0.9980469,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.095157191157341},{"word":"the","start":167.74501,"end":167.905,"confidence":0.86328125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1736723780632019},{"word":"insurances","start":167.905,"end":168.405,"confidence":0.99853516,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.1379314661026001},{"word":"for","start":168.54501,"end":168.785,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1887817978858948},{"word":"you","start":168.785,"end":169.285,"confidence":0.87353516,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.20492100715637207},{"word":"essentially","start":169.585,"end":170.065,"confidence":0.97802734,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.19752804934978485},{"word":"keeping","start":170.065,"end":170.46501,"confidence":0.93603516,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.29567357897758484},{"word":"your","start":170.46501,"end":170.625,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.24819764494895935},{"word":"life","start":170.625,"end":170.785,"confidence":0.96533203,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.2757379710674286},{"word":"and","start":170.785,"end":171.02501,"confidence":0.8691406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3103194534778595},{"word":"tpd","start":171.02501,"end":171.425,"confidence":0.8022461,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.18755856156349185},{"word":"in","start":171.425,"end":171.585,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.26105865836143494},{"word":"place","start":171.585,"end":171.82501,"confidence":0.82177734,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.2621791660785675},{"word":"as","start":171.82501,"end":172.065,"confidence":0.9375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2704835534095764},{"word":"appropriate","start":172.065,"end":172.565,"confidence":1.0,"punctuated_word":"appropriate","sentiment":"neutral","sentiment_score":0.16429249942302704},{"word":"until","start":172.625,"end":172.945,"confidence":0.99902344,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.1545284390449524},{"word":"you","start":172.945,"end":173.10501,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16878634691238403},{"word":"do","start":173.10501,"end":173.265,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07166705280542374},{"word":"pay","start":173.265,"end":173.505,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.04623676836490631},{"word":"off","start":173.505,"end":173.585,"confidence":0.9970703,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.06735803931951523},{"word":"your","start":173.585,"end":173.74501,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19265972077846527},{"word":"mortgage","start":173.74501,"end":174.145,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.129987895488739},{"word":"and","start":174.145,"end":174.30501,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11196868866682053},{"word":"become","start":174.30501,"end":174.625,"confidence":1.0,"punctuated_word":"become","sentiment":"neutral","sentiment_score":0.29775702953338623},{"word":"fully","start":174.625,"end":175.02501,"confidence":0.99902344,"punctuated_word":"fully","sentiment":"positive","sentiment_score":0.35713157057762146},{"word":"debt","start":175.02501,"end":175.265,"confidence":0.9980469,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.16747421026229858},{"word":"free","start":175.265,"end":175.71,"confidence":0.7895508,"punctuated_word":"free.","sentiment":"neutral","sentiment_score":0.189545214176178},{"word":"and","start":175.87001,"end":176.11,"confidence":0.99121094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12033165991306304},{"word":"then","start":176.11,"end":176.19,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10683976113796234},{"word":"we","start":176.19,"end":176.35,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1286230981349945},{"word":"may","start":176.35,"end":176.59001,"confidence":0.99902344,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.15097713470458984},{"word":"be","start":176.59001,"end":176.75,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.21081465482711792},{"word":"able","start":176.75,"end":176.91,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.19187304377555847},{"word":"to","start":176.91,"end":177.07,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18484699726104736},{"word":"look","start":177.07,"end":177.31001,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1240941807627678},{"word":"at","start":177.31001,"end":177.47,"confidence":0.99121094,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1522509902715683},{"word":"consolidating","start":177.47,"end":177.97,"confidence":1.0,"punctuated_word":"consolidating","sentiment":"neutral","sentiment_score":0.2365281581878662},{"word":"and","start":178.11,"end":178.27,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22400400042533877},{"word":"boosting","start":178.27,"end":178.67001,"confidence":0.9892578,"punctuated_word":"boosting","sentiment":"neutral","sentiment_score":0.32640340924263},{"word":"through","start":178.67001,"end":178.91,"confidence":0.7963867,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.21209251880645752},{"word":"for","start":178.91,"end":178.99,"confidence":0.82373047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.24869917333126068},{"word":"a","start":178.99,"end":179.15001,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2246015965938568},{"word":"little","start":179.15001,"end":179.31001,"confidence":0.99902344,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.14699622988700867},{"word":"bit","start":179.31001,"end":179.39,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1398797333240509},{"word":"more","start":179.39,"end":179.63,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.17203374207019806},{"word":"from","start":179.63,"end":179.79001,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1556846797466278},{"word":"there","start":179.79001,"end":179.95001,"confidence":0.9946289,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.09711293876171112},{"word":"but","start":179.95001,"end":180.11,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.08782210201025009},{"word":"for","start":180.11,"end":180.27,"confidence":0.99121094,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03386850282549858},{"word":"the","start":180.27,"end":180.43001,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05516571179032326},{"word":"time","start":180.43001,"end":180.59001,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.05477885156869888},{"word":"being","start":180.59001,"end":180.83,"confidence":0.99365234,"punctuated_word":"being,","sentiment":"neutral","sentiment_score":0.039055317640304565},{"word":"just","start":180.83,"end":181.07,"confidence":0.9921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04649820178747177},{"word":"looking","start":181.07,"end":181.19,"confidence":0.28808594,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.04423445463180542},{"word":"at","start":181.19,"end":181.31001,"confidence":0.7573242,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0655343160033226},{"word":"what","start":181.31001,"end":181.47,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05437389761209488},{"word":"we","start":181.47,"end":181.55,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08956317603588104},{"word":"can","start":181.55,"end":181.71,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13197481632232666},{"word":"do","start":181.71,"end":181.87001,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1341826170682907},{"word":"with","start":181.87001,"end":182.03,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.096243716776371},{"word":"your","start":182.03,"end":182.19,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11167384684085846},{"word":"super","start":182.19,"end":182.51001,"confidence":0.94628906,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.12197071313858032},{"word":"funds","start":182.51001,"end":182.91,"confidence":0.9472656,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":0.13038016855716705},{"word":"retain","start":182.91,"end":183.23001,"confidence":0.9921875,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.11366421729326248},{"word":"your","start":183.23001,"end":183.47,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07504488527774811},{"word":"insurances","start":183.47,"end":183.97,"confidence":0.9926758,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.04470662400126457},{"word":"and","start":184.35,"end":184.51001,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06882752478122711},{"word":"just","start":184.51001,"end":184.67001,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10438592731952669},{"word":"make","start":184.67001,"end":184.83,"confidence":0.9941406,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.02753858268260956},{"word":"sure","start":184.83,"end":185.07,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.04832550883293152},{"word":"things","start":185.07,"end":185.31001,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.14156779646873474},{"word":"are","start":185.31001,"end":185.47,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0880829468369484},{"word":"working","start":185.47,"end":185.79001,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.10834473371505736},{"word":"harder","start":185.79001,"end":186.11,"confidence":0.9970703,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":0.0670219361782074},{"word":"for","start":186.11,"end":186.27,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12466990947723389},{"word":"you","start":186.27,"end":186.43001,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10239531844854356},{"word":"investment","start":186.43001,"end":186.93001,"confidence":0.30615234,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.01834185421466827},{"word":"wise","start":186.99,"end":187.23001,"confidence":0.96972656,"punctuated_word":"wise","sentiment":"neutral","sentiment_score":0.11471328139305116},{"word":"there","start":187.23001,"end":187.47,"confidence":0.98828125,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.12101229280233385},{"word":"as","start":187.47,"end":187.63,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11647284775972366},{"word":"well","start":187.63,"end":188.11,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.08669847249984741},{"word":"okay","start":188.11,"end":188.61,"confidence":0.89868164,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.0772930383682251},{"word":"excellent","start":190.635,"end":191.135,"confidence":0.9980469,"punctuated_word":"Excellent.","sentiment":"neutral","sentiment_score":0.004259692505002022},{"word":"to","start":191.435,"end":191.515,"confidence":0.6826172,"punctuated_word":"To","sentiment":"neutral","sentiment_score":0.11235059797763824},{"word":"make","start":191.515,"end":191.675,"confidence":0.9921875,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.13431227207183838},{"word":"it","start":191.675,"end":191.83499,"confidence":0.4189453,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16069495677947998},{"word":"a","start":191.83499,"end":191.995,"confidence":0.82910156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21146328747272491},{"word":"bit","start":191.995,"end":192.235,"confidence":0.56933594,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.20799686014652252},{"word":"easier","start":192.235,"end":192.635,"confidence":0.99902344,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.28768685460090637},{"word":"for","start":192.635,"end":192.795,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2898954451084137},{"word":"you","start":192.795,"end":193.195,"confidence":0.9946289,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.2212106287479401},{"word":"if","start":193.195,"end":193.355,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.20057055354118347},{"word":"you","start":193.355,"end":193.435,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1646544635295868},{"word":"can","start":193.435,"end":193.755,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1419084519147873},{"word":"just","start":193.755,"end":193.91501,"confidence":0.9790039,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15054553747177124},{"word":"scroll","start":193.91501,"end":194.235,"confidence":0.63720703,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.14715194702148438},{"word":"through","start":194.235,"end":194.475,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1736709028482437},{"word":"for","start":194.475,"end":194.635,"confidence":0.97314453,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.158425971865654},{"word":"me","start":194.635,"end":194.875,"confidence":0.828125,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.13785530626773834},{"word":"just","start":194.875,"end":195.115,"confidence":0.9301758,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1050470843911171},{"word":"down","start":195.115,"end":195.355,"confidence":0.9902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.12052327394485474},{"word":"to","start":195.355,"end":195.515,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.097104012966156},{"word":"page","start":195.515,"end":195.91501,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.07206696271896362},{"word":"number","start":195.91501,"end":196.315,"confidence":0.99902344,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.09059998393058775},{"word":"17","start":196.315,"end":196.815,"confidence":0.9145508,"punctuated_word":"17.","sentiment":"neutral","sentiment_score":0.1572774201631546},{"word":"i'll","start":196.875,"end":197.035,"confidence":0.9494629,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.17172878980636597},{"word":"take","start":197.035,"end":197.195,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.24413318932056427},{"word":"you","start":197.195,"end":197.355,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21258895099163055},{"word":"through","start":197.355,"end":197.595,"confidence":0.99121094,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.24268753826618197},{"word":"a","start":197.595,"end":197.675,"confidence":0.5932617,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27051013708114624},{"word":"sense","start":197.675,"end":197.91501,"confidence":0.8598633,"punctuated_word":"sense","sentiment":"neutral","sentiment_score":0.21547916531562805},{"word":"of","start":197.91501,"end":198.155,"confidence":0.8881836,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.261972576379776},{"word":"the","start":198.155,"end":198.235,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2674647867679596},{"word":"bulk","start":198.235,"end":198.395,"confidence":0.9902344,"punctuated_word":"bulk","sentiment":"neutral","sentiment_score":0.24010099470615387},{"word":"of","start":198.395,"end":198.55501,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3219475746154785},{"word":"the","start":198.55501,"end":198.715,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.255950003862381},{"word":"recommendations","start":198.715,"end":199.215,"confidence":0.7807617,"punctuated_word":"recommendations,","sentiment":"neutral","sentiment_score":0.2070069760084152},{"word":"and","start":199.595,"end":199.755,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21403449773788452},{"word":"then","start":199.755,"end":199.995,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1940227597951889},{"word":"i'll","start":199.995,"end":200.155,"confidence":0.9941406,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1950749158859253},{"word":"go","start":200.155,"end":200.315,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.21450737118721008},{"word":"through","start":200.315,"end":200.815,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1861061453819275},{"word":"and","start":201.195,"end":201.355,"confidence":0.95166016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19022025167942047},{"word":"explain","start":201.355,"end":201.755,"confidence":1.0,"punctuated_word":"explain","sentiment":"neutral","sentiment_score":0.1820683479309082},{"word":"the","start":201.755,"end":201.91501,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20812445878982544},{"word":"last","start":201.91501,"end":202.155,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.159071683883667},{"word":"few","start":202.155,"end":202.395,"confidence":0.98535156,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.17820274829864502},{"word":"things","start":202.395,"end":202.715,"confidence":0.99609375,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.21621906757354736},{"word":"for","start":202.715,"end":202.875,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22394494712352753},{"word":"you","start":202.875,"end":203.37,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.20613044500350952},{"word":"this","start":203.84999,"end":204.34999,"confidence":0.9951172,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.21160954236984253},{"word":"should","start":204.40999,"end":204.65,"confidence":0.9199219,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.29082047939300537},{"word":"have","start":204.65,"end":204.89,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2081315815448761},{"word":"the","start":204.89,"end":205.04999,"confidence":0.9086914,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15771275758743286},{"word":"heading","start":205.04999,"end":205.37,"confidence":0.9941406,"punctuated_word":"heading","sentiment":"neutral","sentiment_score":0.2047766000032425},{"word":"there","start":205.37,"end":205.53,"confidence":0.9448242,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.23695872724056244},{"word":"for","start":205.53,"end":205.76999,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.25855228304862976},{"word":"you","start":205.76999,"end":205.93,"confidence":0.73913574,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.20572462677955627},{"word":"it","start":205.93,"end":206.09,"confidence":0.9404297,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.12888863682746887},{"word":"is","start":206.09,"end":206.48999,"confidence":0.6591797,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11133658140897752},{"word":"recommended","start":206.48999,"end":206.98999,"confidence":0.94970703,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.12427322566509248},{"word":"investments","start":207.04999,"end":207.54999,"confidence":0.88183594,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.1022329181432724},{"word":"as","start":207.69,"end":207.84999,"confidence":0.9941406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1262943148612976},{"word":"of","start":207.84999,"end":208.01,"confidence":0.6660156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10666732490062714},{"word":"superannuation","start":208.01,"end":208.51,"confidence":0.9902344,"punctuated_word":"superannuation.","sentiment":"neutral","sentiment_score":0.13672299683094025},{"word":"yeah","start":212.65,"end":213.15,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.059232499450445175},{"word":"yeah","start":213.20999,"end":213.70999,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09084638953208923},{"word":"beautiful","start":217.305,"end":217.805,"confidence":0.99853516,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5157897472381592},{"word":"so","start":218.50499,"end":218.745,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2137351036071777},{"word":"this","start":218.745,"end":218.985,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.30964022874832153},{"word":"one","start":218.985,"end":219.22499,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.3041715919971466},{"word":"here","start":219.22499,"end":219.545,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.3116248846054077},{"word":"essentially","start":219.545,"end":220.025,"confidence":0.6645508,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.26493462920188904},{"word":"is","start":220.025,"end":220.105,"confidence":0.8100586,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15453344583511353},{"word":"showing","start":220.105,"end":220.265,"confidence":1.0,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":0.2024465054273605},{"word":"you","start":220.265,"end":220.50499,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26123830676078796},{"word":"the","start":220.50499,"end":220.665,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2633073925971985},{"word":"updated","start":220.665,"end":221.06499,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.2863640785217285},{"word":"recommendations","start":221.06499,"end":221.56499,"confidence":0.9589844,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.21057139337062836},{"word":"there","start":221.70499,"end":221.86499,"confidence":0.81152344,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.2628026306629181},{"word":"so","start":221.86499,"end":222.105,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20969586074352264},{"word":"i","start":222.105,"end":222.185,"confidence":0.96972656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20042464137077332},{"word":"am","start":222.185,"end":222.42499,"confidence":0.95947266,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.19687676429748535},{"word":"recommending","start":222.42499,"end":222.905,"confidence":0.8718262,"punctuated_word":"recommending,","sentiment":"neutral","sentiment_score":0.21928057074546817},{"word":"as","start":222.905,"end":223.06499,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2586221694946289},{"word":"i","start":223.06499,"end":223.14499,"confidence":0.9741211,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.21471524238586423},{"word":"said","start":223.14499,"end":223.385,"confidence":0.98461914,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.21577021479606628},{"word":"that","start":223.385,"end":223.545,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21646837890148163},{"word":"we","start":223.545,"end":223.70499,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23962415754795072},{"word":"do","start":223.70499,"end":223.86499,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.20674575865268707},{"word":"retain","start":223.86499,"end":224.265,"confidence":0.9921875,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.14128729701042175},{"word":"cbas","start":224.265,"end":224.665,"confidence":0.41418457,"punctuated_word":"CBAS","sentiment":"neutral","sentiment_score":0.15994873642921448},{"word":"to","start":224.665,"end":224.745,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14917218685150146},{"word":"hold","start":224.745,"end":224.985,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.1425877809524536},{"word":"your","start":224.985,"end":225.22499,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1461644321680069},{"word":"insurances","start":225.22499,"end":225.72499,"confidence":0.9904785,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.14279916882514954},{"word":"in","start":225.78499,"end":225.94499,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17743895947933197},{"word":"place","start":225.94499,"end":226.185,"confidence":0.99902344,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.194276824593544},{"word":"there","start":226.185,"end":226.685,"confidence":0.9904785,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.2187631130218506},{"word":"your","start":226.905,"end":227.06499,"confidence":0.7988281,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":0.18393853306770325},{"word":"balance","start":227.06499,"end":227.465,"confidence":0.99902344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.16936586797237396},{"word":"in","start":227.465,"end":227.625,"confidence":0.9770508,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2361607700586319},{"word":"cbas","start":227.625,"end":228.025,"confidence":1.0,"punctuated_word":"CBAS","sentiment":"neutral","sentiment_score":0.1774316430091858},{"word":"was","start":228.025,"end":228.185,"confidence":0.6879883,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.11164982616901398},{"word":"about","start":228.185,"end":228.42499,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.17596955597400665},{"word":"37,915","start":228.42499,"end":230.58499,"confidence":0.97942245,"punctuated_word":"37,915","sentiment":"neutral","sentiment_score":0.17258617281913757},{"word":"and","start":230.58499,"end":230.745,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14539718627929688},{"word":"56¢","start":230.745,"end":231.54001,"confidence":0.9421387,"punctuated_word":"56¢"},{"word":"there","start":231.54001,"end":231.7,"confidence":0.95336914,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.18981601297855377},{"word":"so","start":231.7,"end":232.2,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22623631358146667},{"word":"we","start":232.26001,"end":232.42,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2717595398426056},{"word":"do","start":232.42,"end":232.58,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2982478141784668},{"word":"just","start":232.58,"end":232.74,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.31135398149490356},{"word":"wanna","start":232.74,"end":232.98,"confidence":0.97509766,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.3652958869934082},{"word":"retain","start":232.98,"end":233.38,"confidence":0.9941406,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.2346403002738953},{"word":"cbus","start":233.38,"end":233.78,"confidence":0.99853516,"punctuated_word":"CBUS","sentiment":"neutral","sentiment_score":0.24794678390026093},{"word":"with","start":233.78,"end":233.94,"confidence":0.9892578,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.27238598465919495},{"word":"a","start":233.94,"end":234.02,"confidence":0.9291992,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2566054165363312},{"word":"minimum","start":234.02,"end":234.5,"confidence":0.99902344,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":0.1243332028388977},{"word":"amount","start":234.5,"end":234.74,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.2330397069454193},{"word":"there","start":234.74,"end":234.90001,"confidence":0.98095703,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.33639365434646606},{"word":"to","start":234.90001,"end":235.06,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2486860305070877},{"word":"hold","start":235.06,"end":235.3,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.193912535905838},{"word":"your","start":235.3,"end":235.46,"confidence":0.9892578,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2540423572063446},{"word":"insurances","start":235.46,"end":235.96,"confidence":0.9980469,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.26297086477279663},{"word":"in","start":236.02,"end":236.18001,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2906458079814911},{"word":"place","start":236.18001,"end":236.42,"confidence":1.0,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.2921801507472992},{"word":"and","start":236.42,"end":236.58,"confidence":0.9375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.27564284205436707},{"word":"have","start":236.58,"end":236.82,"confidence":0.9980469,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3580660820007324},{"word":"most","start":236.82,"end":237.06,"confidence":1.0,"punctuated_word":"most","sentiment":"positive","sentiment_score":0.34413695335388184},{"word":"of","start":237.06,"end":237.3,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3706482946872711},{"word":"your","start":237.3,"end":237.46,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4015670418739319},{"word":"funds","start":237.46,"end":237.86,"confidence":1.0,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.31436610221862793},{"word":"invested","start":237.86,"end":238.26001,"confidence":0.99902344,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.28877970576286316},{"word":"within","start":238.26001,"end":238.58,"confidence":0.99902344,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.31082791090011597},{"word":"hub","start":238.58,"end":238.82,"confidence":0.5361328,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.2867972254753113},{"word":"twenty","start":238.82,"end":239.14,"confidence":0.9951172,"punctuated_word":"twenty","sentiment":"positive","sentiment_score":0.3426065146923065},{"word":"four","start":239.14,"end":239.38,"confidence":0.9970703,"punctuated_word":"four","sentiment":"positive","sentiment_score":0.34463000297546387},{"word":"there","start":239.38,"end":239.86,"confidence":0.9667969,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3886329233646393},{"word":"in","start":239.86,"end":240.02,"confidence":0.9506836,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3930988609790802},{"word":"the","start":240.02,"end":240.18001,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3764707446098328},{"word":"portfolio","start":240.18001,"end":240.68001,"confidence":0.9980469,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.21257264912128448},{"word":"working","start":240.82,"end":241.14,"confidence":0.92822266,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.35155922174453735},{"word":"harder","start":241.14,"end":241.62,"confidence":0.97509766,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":0.2770426869392395},{"word":"for","start":241.62,"end":241.78,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2730620503425598},{"word":"you","start":241.78,"end":242.28,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2730802893638611},{"word":"so","start":242.42,"end":242.58,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24706104397773743},{"word":"we","start":242.58,"end":242.74,"confidence":0.9941406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2677440941333771},{"word":"are","start":242.74,"end":242.98,"confidence":0.9921875,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2727864980697632},{"word":"recommending","start":242.98,"end":243.38,"confidence":0.9863281,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.32543259859085083},{"word":"that","start":243.38,"end":243.54001,"confidence":0.984375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.28259173035621643},{"word":"you","start":243.54001,"end":243.78,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.344976007938385},{"word":"do","start":243.78,"end":243.94,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2457062602043152},{"word":"retain","start":243.94,"end":244.42,"confidence":0.9506836,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.22387364506721497},{"word":"so","start":244.5,"end":244.74,"confidence":0.6660156,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2923893630504608},{"word":"do","start":244.74,"end":244.90001,"confidence":0.7260742,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.23691275715827945},{"word":"roll","start":244.90001,"end":245.22,"confidence":0.984375,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.2641139030456543},{"word":"over","start":245.22,"end":245.46,"confidence":0.8959961,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.2291664481163025},{"word":"the","start":245.46,"end":245.62,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21501246094703672},{"word":"27,915","start":245.62,"end":247.575,"confidence":0.9829799,"punctuated_word":"27,915","sentiment":"neutral","sentiment_score":0.19034656882286072},{"word":"and","start":247.575,"end":247.815,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1464376300573349},{"word":"56¢","start":247.815,"end":248.615,"confidence":0.9884033,"punctuated_word":"56¢"},{"word":"there","start":248.615,"end":248.935,"confidence":0.9057617,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.24275177717208865},{"word":"retain","start":248.935,"end":249.255,"confidence":0.99609375,"punctuated_word":"Retain","sentiment":"neutral","sentiment_score":0.3046356439590454},{"word":"the","start":249.255,"end":249.41501,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3345178961753845},{"word":"10,000","start":249.41501,"end":249.975,"confidence":1.0,"punctuated_word":"10,000","sentiment":"positive","sentiment_score":0.35104039311408997},{"word":"within","start":249.975,"end":250.295,"confidence":0.9980469,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.3063836097717285},{"word":"c","start":250.295,"end":250.535,"confidence":0.46118164,"punctuated_word":"C","sentiment":"neutral","sentiment_score":0.2704225182533264},{"word":"bus","start":250.535,"end":250.695,"confidence":0.5913086,"punctuated_word":"Bus","sentiment":"neutral","sentiment_score":0.30538034439086914},{"word":"in","start":250.695,"end":250.935,"confidence":0.9838867,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3203487694263458},{"word":"the","start":250.935,"end":251.015,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3261304795742035},{"word":"current","start":251.015,"end":251.335,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.3081369996070862},{"word":"portfolio","start":251.335,"end":251.835,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.2100028693675995},{"word":"in","start":251.975,"end":252.215,"confidence":0.9892578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.282854288816452},{"word":"c","start":252.215,"end":252.375,"confidence":0.9951172,"punctuated_word":"C","sentiment":"neutral","sentiment_score":0.2420012354850769},{"word":"bus","start":252.375,"end":252.855,"confidence":0.9824219,"punctuated_word":"Bus.","sentiment":"neutral","sentiment_score":0.30816441774368286},{"word":"there's","start":252.855,"end":253.095,"confidence":0.9995117,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.3226180970668793},{"word":"no","start":253.095,"end":253.255,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.25666967034339905},{"word":"need","start":253.255,"end":253.41501,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.19697698950767517},{"word":"to","start":253.41501,"end":253.575,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20682814717292783},{"word":"change","start":253.575,"end":253.895,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.02049809694290161},{"word":"that","start":253.895,"end":254.05501,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13929741084575653},{"word":"investment","start":254.05501,"end":254.535,"confidence":0.98535156,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.014417290687561035},{"word":"at","start":254.535,"end":254.615,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.18830907344818115},{"word":"the","start":254.615,"end":254.775,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27669355273246765},{"word":"moment","start":254.775,"end":255.095,"confidence":0.99194336,"punctuated_word":"moment,","sentiment":"positive","sentiment_score":0.35134291648864746},{"word":"which","start":255.095,"end":255.335,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.41948202252388},{"word":"is","start":255.335,"end":255.495,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.44451019167900085},{"word":"fine","start":255.495,"end":255.995,"confidence":0.99902344,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.3960252702236175},{"word":"essentially","start":256.615,"end":257.115,"confidence":0.8630371,"punctuated_word":"Essentially,","sentiment":"positive","sentiment_score":0.36137720942497253},{"word":"you'll","start":257.175,"end":257.415,"confidence":0.99560547,"punctuated_word":"you'll","sentiment":"positive","sentiment_score":0.4522010087966919},{"word":"keep","start":257.415,"end":257.655,"confidence":1.0,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.43012669682502747},{"word":"your","start":257.655,"end":257.895,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3608419597148895},{"word":"insurances","start":257.895,"end":258.375,"confidence":0.9975586,"punctuated_word":"insurances","sentiment":"positive","sentiment_score":0.3694862425327301},{"word":"in","start":258.375,"end":258.535,"confidence":0.9980469,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3759492039680481},{"word":"place","start":258.535,"end":258.855,"confidence":1.0,"punctuated_word":"place","sentiment":"positive","sentiment_score":0.4280029237270355},{"word":"and","start":258.855,"end":259.015,"confidence":0.9301758,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3767101764678955},{"word":"also","start":259.015,"end":259.415,"confidence":0.9111328,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.35280388593673706},{"word":"keep","start":259.415,"end":259.655,"confidence":0.66308594,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.36104950308799744},{"word":"your","start":259.655,"end":260.155,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.32288819551467896},{"word":"contributions","start":260.295,"end":260.795,"confidence":0.9819336,"punctuated_word":"contributions","sentiment":"positive","sentiment_score":0.4084857404232025},{"word":"going","start":261.095,"end":261.415,"confidence":0.9970703,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.4400092959403992},{"word":"to","start":261.415,"end":261.575,"confidence":0.97998047,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3806025683879852},{"word":"c","start":261.575,"end":261.815,"confidence":0.9902344,"punctuated_word":"C","sentiment":"neutral","sentiment_score":0.31023862957954407},{"word":"bus","start":261.815,"end":262.135,"confidence":0.9951172,"punctuated_word":"Bus","sentiment":"positive","sentiment_score":0.3578750789165497},{"word":"there","start":262.135,"end":262.295,"confidence":0.99902344,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3354012668132782},{"word":"as","start":262.295,"end":262.455,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3375808298587799},{"word":"well","start":262.455,"end":262.955,"confidence":0.75439453,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.23674452304840088},{"word":"and","start":263.06,"end":263.14,"confidence":0.93847656,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.21365374326705933},{"word":"we'll","start":263.14,"end":263.38,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.26521462202072144},{"word":"just","start":263.38,"end":263.46002,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.28528285026550293},{"word":"make","start":263.46002,"end":263.7,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.24733412265777588},{"word":"sure","start":263.7,"end":263.86002,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.25653567910194397},{"word":"we","start":263.86002,"end":264.02002,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3324412405490875},{"word":"do","start":264.02002,"end":264.18002,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.3170344829559326},{"word":"those","start":264.18002,"end":264.42,"confidence":0.9951172,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.3154361844062805},{"word":"rollovers","start":264.42,"end":264.90002,"confidence":0.99121094,"punctuated_word":"rollovers","sentiment":"neutral","sentiment_score":0.2351520359516144},{"word":"for","start":264.90002,"end":265.06,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2731213867664337},{"word":"you","start":265.06,"end":265.30002,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.33427920937538147},{"word":"pretty","start":265.30002,"end":265.62003,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.3752781450748443},{"word":"regularly","start":265.62003,"end":266.12003,"confidence":0.99853516,"punctuated_word":"regularly.","sentiment":"neutral","sentiment_score":0.24715906381607056},{"word":"within","start":266.82,"end":267.22,"confidence":0.99902344,"punctuated_word":"Within","sentiment":"neutral","sentiment_score":0.06590422242879868},{"word":"hub","start":267.22,"end":267.54,"confidence":0.4543457,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.08181332796812057},{"word":"twenty","start":267.54,"end":267.78,"confidence":0.99902344,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.03681733459234238},{"word":"four","start":267.78,"end":268.02002,"confidence":0.9980469,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":-0.0029897540807724},{"word":"i","start":268.02002,"end":268.1,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02048581838607788},{"word":"did","start":268.1,"end":268.34,"confidence":0.9838867,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.04017293453216553},{"word":"go","start":268.34,"end":268.5,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.02490708976984024},{"word":"back","start":268.5,"end":268.74002,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.013349577784538267},{"word":"and","start":268.74002,"end":268.90002,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.019117064774036407},{"word":"review","start":268.90002,"end":269.22,"confidence":0.97509766,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.0025807619094848633},{"word":"the","start":269.22,"end":269.38,"confidence":0.9453125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03854823112487793},{"word":"portfolio","start":269.38,"end":269.88,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.05491190403699875},{"word":"looking","start":269.94,"end":270.18002,"confidence":0.5390625,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.010432206094264984},{"word":"at","start":270.18002,"end":270.42,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.001492336392402649},{"word":"how","start":270.42,"end":270.58002,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.014405488967895508},{"word":"it","start":270.58002,"end":270.66,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01002146303653717},{"word":"has","start":270.66,"end":270.90002,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.05779886990785599},{"word":"been","start":270.90002,"end":271.14,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.08150075376033783},{"word":"performing","start":271.14,"end":271.54,"confidence":0.99902344,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":-0.05533097684383392},{"word":"and","start":271.54,"end":271.7,"confidence":0.6010742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07597857713699341},{"word":"had","start":271.7,"end":271.94,"confidence":0.94189453,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.13300418853759766},{"word":"made","start":271.94,"end":272.18002,"confidence":0.54052734,"punctuated_word":"made","sentiment":"neutral","sentiment_score":-0.12542012333869934},{"word":"us","start":272.18002,"end":272.26,"confidence":0.5107422,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.09953799843788148},{"word":"that","start":272.26,"end":272.5,"confidence":0.7241211,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13181591033935547},{"word":"there","start":272.5,"end":272.66,"confidence":0.9941406,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.16255751252174375},{"word":"had","start":272.66,"end":272.82,"confidence":0.7011719,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.23027288913726807},{"word":"been","start":272.82,"end":272.98,"confidence":0.9970703,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.19872188568115232},{"word":"some","start":272.98,"end":273.14,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.2011006474494934},{"word":"underperforming","start":273.14,"end":273.64,"confidence":0.9980469,"punctuated_word":"underperforming","sentiment":"negative","sentiment_score":-0.3920480012893677},{"word":"investments","start":273.94,"end":274.42,"confidence":0.8833008,"punctuated_word":"investments","sentiment":"negative","sentiment_score":-0.42441681027412415},{"word":"and","start":274.42,"end":274.58002,"confidence":0.8828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.322664350271225},{"word":"some","start":274.58002,"end":274.82,"confidence":0.9863281,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.3216243088245392},{"word":"changes","start":274.82,"end":275.14,"confidence":1.0,"punctuated_word":"changes","sentiment":"negative","sentiment_score":-0.366999864578247},{"word":"that","start":275.14,"end":275.30002,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.23460668325424192},{"word":"we","start":275.30002,"end":275.46002,"confidence":1.0,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.35121437907218933},{"word":"did","start":275.46002,"end":275.62,"confidence":0.9604492,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.17691658437252045},{"word":"need","start":275.62,"end":275.78,"confidence":0.9980469,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.1915271282196045},{"word":"to","start":275.78,"end":275.94,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.22297003865242004},{"word":"make","start":275.94,"end":276.1,"confidence":0.9863281,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.1797693967819214},{"word":"to","start":276.1,"end":276.18002,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.19542571902275083},{"word":"your","start":276.18002,"end":276.42,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.17195314168930054},{"word":"portfolio","start":276.42,"end":276.92,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.17145296931266785},{"word":"there","start":277.06,"end":277.515,"confidence":0.9970703,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.20771117508411407},{"word":"so","start":278.075,"end":278.39502,"confidence":0.9519043,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.11989490687847136},{"word":"essentially","start":278.39502,"end":278.795,"confidence":0.9995117,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":-0.1762477159500122},{"word":"what","start":278.795,"end":279.035,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.18053150177001953},{"word":"i","start":279.035,"end":279.195,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.210724875330925},{"word":"will","start":279.195,"end":279.355,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.1350538432598114},{"word":"be","start":279.355,"end":279.515,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.19853514432907104},{"word":"looking","start":279.515,"end":279.755,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.19960889220237732},{"word":"to","start":279.755,"end":279.915,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2098006010055542},{"word":"do","start":279.915,"end":280.315,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.24080336093902588},{"word":"is","start":280.315,"end":280.475,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1141626238822937},{"word":"to","start":280.475,"end":280.635,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2470436692237854},{"word":"sell","start":280.635,"end":280.875,"confidence":0.99316406,"punctuated_word":"sell","sentiment":"negative","sentiment_score":-0.3383534550666809},{"word":"off","start":280.875,"end":281.035,"confidence":0.984375,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.2987038195133209},{"word":"the","start":281.035,"end":281.195,"confidence":0.72998047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22470220923423767},{"word":"battery","start":281.195,"end":281.515,"confidence":0.9223633,"punctuated_word":"battery","sentiment":"neutral","sentiment_score":-0.11285002529621124},{"word":"and","start":281.515,"end":281.67502,"confidence":0.89746094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2977094352245331},{"word":"lithium","start":281.67502,"end":282.075,"confidence":0.9892578,"punctuated_word":"lithium","sentiment":"neutral","sentiment_score":-0.09708261489868164},{"word":"tax","start":282.075,"end":282.475,"confidence":0.6966553,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":-0.18909168243408203},{"word":"nothing","start":282.475,"end":282.795,"confidence":0.94384766,"punctuated_word":"Nothing","sentiment":"neutral","sentiment_score":0.052646175026893616},{"word":"wrong","start":282.795,"end":283.035,"confidence":0.9980469,"punctuated_word":"wrong","sentiment":"neutral","sentiment_score":-0.12987886369228363},{"word":"with","start":283.035,"end":283.11502,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0004740208387374878},{"word":"it","start":283.11502,"end":283.355,"confidence":0.9890137,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.009019911289215088},{"word":"however","start":283.355,"end":283.855,"confidence":0.9995117,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":0.00857766717672348},{"word":"we","start":284.23502,"end":284.39502,"confidence":0.97509766,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.01680457592010498},{"word":"have","start":284.39502,"end":284.635,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06322462856769562},{"word":"found","start":284.635,"end":284.95502,"confidence":0.9921875,"punctuated_word":"found","sentiment":"neutral","sentiment_score":0.04948437213897705},{"word":"some","start":284.95502,"end":285.195,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.10436004400253296},{"word":"great","start":285.195,"end":285.515,"confidence":0.8203125,"punctuated_word":"great","sentiment":"neutral","sentiment_score":0.258480429649353},{"word":"out","start":285.515,"end":285.83502,"confidence":0.44213867,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2765469253063202},{"word":"some","start":286.23502,"end":286.475,"confidence":0.9951172,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.21048863232135773},{"word":"other","start":286.475,"end":286.71503,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.14077980816364288},{"word":"investments","start":286.71503,"end":287.195,"confidence":0.99316406,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.106888085603714},{"word":"that","start":287.195,"end":287.355,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21604761481285095},{"word":"have","start":287.355,"end":287.515,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1271853744983673},{"word":"been","start":287.515,"end":287.83502,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.18297302722930908},{"word":"performing","start":287.83502,"end":288.33502,"confidence":0.9980469,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":0.07876743376255035},{"word":"better","start":288.39502,"end":288.89502,"confidence":0.9921875,"punctuated_word":"better.","sentiment":"neutral","sentiment_score":0.191573366522789},{"word":"it","start":289.355,"end":289.515,"confidence":0.98095703,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.10656309127807616},{"word":"has","start":289.515,"end":289.67502,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.14932280778884888},{"word":"been","start":289.67502,"end":289.83502,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.115384042263031},{"word":"a","start":289.83502,"end":289.915,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1508503258228302},{"word":"bit","start":289.915,"end":290.075,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2533077895641327},{"word":"of","start":290.075,"end":290.23502,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2658909559249878},{"word":"a","start":290.23502,"end":290.315,"confidence":0.9863281,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3800544142723083},{"word":"rough","start":290.315,"end":290.475,"confidence":0.9091797,"punctuated_word":"rough","sentiment":"negative","sentiment_score":-0.40271493792533875},{"word":"year","start":290.475,"end":290.71503,"confidence":0.99316406,"punctuated_word":"year","sentiment":"negative","sentiment_score":-0.35784071683883667},{"word":"for","start":290.71503,"end":290.795,"confidence":0.9873047,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.38823139667510986},{"word":"battery","start":290.795,"end":291.11502,"confidence":0.9873047,"punctuated_word":"battery","sentiment":"neutral","sentiment_score":-0.1794968694448471},{"word":"and","start":291.11502,"end":291.27502,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.28254273533821106},{"word":"lithium","start":291.27502,"end":291.595,"confidence":0.99902344,"punctuated_word":"lithium","sentiment":"neutral","sentiment_score":-0.08644793182611465},{"word":"tax","start":291.595,"end":291.9,"confidence":0.7507324,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":-0.24893306195735931},{"word":"but","start":291.9,"end":291.97998,"confidence":0.64453125,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.20054787397384644},{"word":"we","start":291.97998,"end":292.06,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.262738972902298},{"word":"are","start":292.06,"end":292.22,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.2127870172262192},{"word":"looking","start":292.22,"end":292.38,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.24500761926174164},{"word":"to","start":292.38,"end":292.62,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.31831440329551697},{"word":"sell","start":292.62,"end":292.86,"confidence":0.9951172,"punctuated_word":"sell","sentiment":"negative","sentiment_score":-0.42047742009162903},{"word":"all","start":292.86,"end":292.97998,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.1809324026107788},{"word":"of","start":292.97998,"end":293.1,"confidence":0.6640625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.25187185406684875},{"word":"that","start":293.1,"end":293.34,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.23310735821723935},{"word":"investment","start":293.34,"end":293.82,"confidence":0.99316406,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.2566850781440735},{"word":"out","start":293.82,"end":294.32,"confidence":0.88305664,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.2359350174665451},{"word":"and","start":294.54,"end":294.69998,"confidence":0.98291016,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.14833062887191772},{"word":"your","start":294.69998,"end":294.94,"confidence":0.91845703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.17029482126235962},{"word":"australian","start":294.94,"end":295.34,"confidence":0.9838867,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.04754512012004852},{"word":"benelon","start":295.34,"end":295.82,"confidence":0.3853353,"punctuated_word":"Benelon","sentiment":"neutral","sentiment_score":-0.17708876729011536},{"word":"equities","start":295.82,"end":296.3,"confidence":0.6813965,"punctuated_word":"equities","sentiment":"neutral","sentiment_score":-0.10446320474147797},{"word":"there","start":296.3,"end":296.46,"confidence":0.9770508,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.12264611572027206},{"word":"as","start":296.46,"end":296.62,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.18901076912879944},{"word":"well","start":296.62,"end":296.86,"confidence":0.7475586,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.1379999965429306},{"word":"so","start":296.86,"end":297.02,"confidence":0.93359375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.3097333014011383},{"word":"that","start":297.02,"end":297.18,"confidence":0.9941406,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.47564080357551575},{"word":"investment","start":297.18,"end":297.58,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"negative","sentiment_score":-0.5704843401908875},{"word":"has","start":297.58,"end":297.82,"confidence":1.0,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.5648024082183838},{"word":"been","start":297.82,"end":297.97998,"confidence":1.0,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.5359283685684204},{"word":"holding","start":297.97998,"end":298.3,"confidence":1.0,"punctuated_word":"holding","sentiment":"negative","sentiment_score":-0.6813402771949768},{"word":"your","start":298.3,"end":298.46,"confidence":0.9165039,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.665214478969574},{"word":"portfolio","start":298.46,"end":298.96,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"negative","sentiment_score":-0.5469653010368347},{"word":"back","start":299.02,"end":299.25998,"confidence":0.99902344,"punctuated_word":"back","sentiment":"negative","sentiment_score":-0.6531740427017212},{"word":"a","start":299.25998,"end":299.34,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5465232729911804},{"word":"little","start":299.34,"end":299.58,"confidence":1.0,"punctuated_word":"little","sentiment":"negative","sentiment_score":-0.5014713406562805},{"word":"bit","start":299.58,"end":299.82,"confidence":1.0,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.5496426224708557},{"word":"this","start":299.82,"end":299.97998,"confidence":0.99902344,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.603016197681427},{"word":"year","start":299.97998,"end":300.47998,"confidence":0.99609375,"punctuated_word":"year.","sentiment":"negative","sentiment_score":-0.5690239667892456},{"word":"essentially","start":300.86,"end":301.18,"confidence":0.99560547,"punctuated_word":"Essentially,","sentiment":"negative","sentiment_score":-0.40900474786758423},{"word":"they","start":301.18,"end":301.34,"confidence":0.9863281,"punctuated_word":"they","sentiment":"negative","sentiment_score":-0.5120576620101929},{"word":"have","start":301.34,"end":301.5,"confidence":0.99902344,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.5672733187675476},{"word":"been","start":301.5,"end":301.74,"confidence":0.99609375,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.533847451210022},{"word":"underperforming","start":301.74,"end":302.24,"confidence":0.8364258,"punctuated_word":"underperforming.","sentiment":"neutral","sentiment_score":-0.1712074726819992},{"word":"so","start":302.53998,"end":302.69998,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05854778364300728},{"word":"we've","start":302.69998,"end":303.02,"confidence":0.99853516,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.07685058563947678},{"word":"decided","start":303.02,"end":303.41998,"confidence":0.99902344,"punctuated_word":"decided","sentiment":"neutral","sentiment_score":0.05411635339260101},{"word":"to","start":303.41998,"end":303.58,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.012140437960624697},{"word":"remove","start":303.58,"end":303.9,"confidence":0.9980469,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.04215666651725769},{"word":"that","start":303.9,"end":304.13998,"confidence":0.9873047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09785009920597076},{"word":"out","start":304.13998,"end":304.3,"confidence":0.9741211,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.10402974486351012},{"word":"of","start":304.3,"end":304.38,"confidence":0.97802734,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02967347949743271},{"word":"the","start":304.38,"end":304.635,"confidence":0.95703125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.013763479888439178},{"word":"portfolio","start":304.795,"end":305.295,"confidence":0.9790039,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.07951726764440536},{"word":"and","start":305.515,"end":305.755,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0064641982316970825},{"word":"utilize","start":305.755,"end":306.255,"confidence":0.97802734,"punctuated_word":"utilize","sentiment":"neutral","sentiment_score":0.04743868112564087},{"word":"the","start":306.39502,"end":306.55502,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17574723064899445},{"word":"australian","start":306.55502,"end":307.05502,"confidence":0.99609375,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.15774212777614594},{"word":"betashares","start":307.11502,"end":307.61502,"confidence":0.8083496,"punctuated_word":"BetaShares","sentiment":"neutral","sentiment_score":0.15551982820034027},{"word":"a","start":307.83502,"end":307.995,"confidence":0.9091797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1505832076072693},{"word":"200","start":307.995,"end":308.55502,"confidence":0.9995117,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.1096559837460518},{"word":"for","start":308.55502,"end":308.795,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08479416370391846},{"word":"your","start":308.795,"end":308.95502,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12993335723876953},{"word":"australian","start":308.95502,"end":309.435,"confidence":0.9980469,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.12347576022148132},{"word":"equities","start":309.435,"end":309.935,"confidence":0.8276367,"punctuated_word":"equities.","sentiment":"neutral","sentiment_score":0.09400633722543716},{"word":"essentially","start":310.795,"end":311.27502,"confidence":0.87231445,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.06193379685282707},{"word":"been","start":311.27502,"end":311.515,"confidence":0.23620605,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.05171729624271393},{"word":"along","start":311.515,"end":312.015,"confidence":0.7783203,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.030792005360126495},{"word":"they","start":312.715,"end":312.95502,"confidence":0.9951172,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.045771315693855286},{"word":"were","start":312.95502,"end":313.035,"confidence":0.9580078,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.06699176877737045},{"word":"placed","start":313.035,"end":313.355,"confidence":0.9819336,"punctuated_word":"placed","sentiment":"neutral","sentiment_score":0.04420879855751991},{"word":"there","start":313.355,"end":313.595,"confidence":0.34228516,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.04392180964350701},{"word":"originally","start":313.595,"end":314.095,"confidence":0.9663086,"punctuated_word":"originally.","sentiment":"neutral","sentiment_score":0.04939477890729904},{"word":"they","start":314.95502,"end":315.11502,"confidence":0.9472656,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.049631111323833466},{"word":"were","start":315.11502,"end":315.27502,"confidence":0.99902344,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.0633300393819809},{"word":"meant","start":315.27502,"end":315.515,"confidence":1.0,"punctuated_word":"meant","sentiment":"neutral","sentiment_score":0.0386509895324707},{"word":"to","start":315.515,"end":315.595,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08695551753044128},{"word":"be","start":315.595,"end":315.755,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.11693194508552553},{"word":"essentially","start":315.755,"end":316.255,"confidence":0.9291992,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.11462436616420746},{"word":"an","start":316.55502,"end":316.715,"confidence":0.9140625,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.15899689495563507},{"word":"active","start":316.715,"end":317.195,"confidence":0.9013672,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.2749672532081604},{"word":"manager","start":317.195,"end":317.695,"confidence":0.99902344,"punctuated_word":"manager","sentiment":"neutral","sentiment_score":0.2503933906555176},{"word":"that","start":317.755,"end":317.915,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20469333231449127},{"word":"was","start":317.915,"end":318.415,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.09537313878536224},{"word":"buying","start":318.475,"end":318.715,"confidence":0.99121094,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.17617008090019226},{"word":"and","start":318.715,"end":318.875,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15362727642059326},{"word":"selling","start":318.875,"end":319.195,"confidence":0.9980469,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.190708190202713},{"word":"and","start":319.195,"end":319.355,"confidence":0.9760742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1951915472745895},{"word":"trying","start":319.355,"end":319.595,"confidence":0.98535156,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.16065020859241486},{"word":"to","start":319.595,"end":320.04,"confidence":0.9003906,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2336302399635315},{"word":"outperform","start":320.2,"end":320.36002,"confidence":0.666626,"punctuated_word":"outperform","sentiment":"neutral","sentiment_score":0.19850099086761477},{"word":"against","start":320.36002,"end":320.52002,"confidence":0.98828125,"punctuated_word":"against","sentiment":"neutral","sentiment_score":0.19415459036827087},{"word":"the","start":320.52002,"end":320.76,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12060514837503432},{"word":"market","start":320.76,"end":321.26,"confidence":0.9033203,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.07402130961418152},{"word":"unfortunately","start":321.32,"end":321.82,"confidence":0.99316406,"punctuated_word":"Unfortunately,","sentiment":"negative","sentiment_score":-0.37241387367248535},{"word":"haven't","start":321.96002,"end":322.28,"confidence":0.68811035,"punctuated_word":"haven't","sentiment":"negative","sentiment_score":-0.3920235335826874},{"word":"been","start":322.28,"end":322.44,"confidence":1.0,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.4961672723293304},{"word":"able","start":322.44,"end":322.68002,"confidence":0.99902344,"punctuated_word":"able","sentiment":"negative","sentiment_score":-0.48842522501945496},{"word":"to","start":322.68002,"end":322.84,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.40175002813339233},{"word":"do","start":322.84,"end":323.08002,"confidence":1.0,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.4740969836711883},{"word":"so","start":323.08002,"end":323.58002,"confidence":0.99902344,"punctuated_word":"so","sentiment":"negative","sentiment_score":-0.5568650364875793},{"word":"on","start":323.80002,"end":323.96002,"confidence":0.68408203,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.453258216381073},{"word":"reviewing","start":323.96002,"end":324.36002,"confidence":0.9941406,"punctuated_word":"reviewing","sentiment":"negative","sentiment_score":-0.48978427052497864},{"word":"your","start":324.36002,"end":324.68002,"confidence":0.9921875,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.6189045906066895},{"word":"portfolio","start":324.68002,"end":325.16,"confidence":0.9904785,"punctuated_word":"portfolio.","sentiment":"negative","sentiment_score":-0.5277758240699768},{"word":"when","start":325.16,"end":325.4,"confidence":0.9980469,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.3271569013595581},{"word":"something's","start":325.4,"end":325.80002,"confidence":0.9802246,"punctuated_word":"something's","sentiment":"negative","sentiment_score":-0.4536924362182617},{"word":"underperforming","start":325.80002,"end":326.30002,"confidence":0.9692383,"punctuated_word":"underperforming,","sentiment":"negative","sentiment_score":-0.43952593207359314},{"word":"it","start":326.52002,"end":326.68002,"confidence":0.99902344,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.5312612056732178},{"word":"shouldn't","start":326.68002,"end":326.92,"confidence":0.99902344,"punctuated_word":"shouldn't","sentiment":"negative","sentiment_score":-0.5657037496566772},{"word":"be","start":326.92,"end":327.08002,"confidence":1.0,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.4967681467533112},{"word":"there","start":327.08002,"end":327.4,"confidence":1.0,"punctuated_word":"there","sentiment":"negative","sentiment_score":-0.5544058680534363},{"word":"anymore","start":327.4,"end":327.64,"confidence":0.7453613,"punctuated_word":"anymore,","sentiment":"negative","sentiment_score":-0.5293278694152832},{"word":"so","start":327.64,"end":327.88,"confidence":1.0,"punctuated_word":"so","sentiment":"negative","sentiment_score":-0.3691656291484833},{"word":"it's","start":327.88,"end":328.04,"confidence":0.99658203,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.40739917755126953},{"word":"time","start":328.04,"end":328.28,"confidence":0.99121094,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.3266109228134155},{"word":"to","start":328.28,"end":328.44,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.29838067293167114},{"word":"remove","start":328.44,"end":328.84,"confidence":1.0,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.27106916904449463},{"word":"that","start":328.84,"end":329.16,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4766410291194916},{"word":"and","start":329.16,"end":329.48,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.31174203753471375},{"word":"replace","start":329.48,"end":329.80002,"confidence":1.0,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":-0.26195669174194336},{"word":"it","start":329.80002,"end":329.96002,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.22255462408065796},{"word":"with","start":329.96002,"end":330.12,"confidence":0.984375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.2121299505233765},{"word":"an","start":330.12,"end":330.28,"confidence":0.99609375,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.167710542678833},{"word":"investment","start":330.28,"end":330.76,"confidence":0.9472656,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.1514335572719574},{"word":"that","start":330.76,"end":330.92,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.007335394620895386},{"word":"has","start":330.92,"end":331.08002,"confidence":0.99316406,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.006928980350494385},{"word":"shown","start":331.08002,"end":331.32,"confidence":0.95166016,"punctuated_word":"shown","sentiment":"neutral","sentiment_score":-0.0788409560918808},{"word":"greater","start":331.32,"end":331.72,"confidence":0.98291016,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.028685331344604492},{"word":"past","start":331.72,"end":331.96002,"confidence":0.9873047,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.10082443058490752},{"word":"performance","start":331.96002,"end":332.46002,"confidence":0.9980469,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":-0.16297557950019836},{"word":"to","start":332.52002,"end":332.895,"confidence":0.84228516,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.35868722200393677},{"word":"make","start":332.97498,"end":333.13498,"confidence":0.98291016,"punctuated_word":"make","sentiment":"negative","sentiment_score":-0.3598058521747589},{"word":"sure","start":333.13498,"end":333.29498,"confidence":0.9951172,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.3224485218524933},{"word":"your","start":333.29498,"end":333.535,"confidence":0.9970703,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.5409966707229614},{"word":"portfolio","start":333.535,"end":334.035,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"negative","sentiment_score":-0.4163244962692261},{"word":"is","start":334.095,"end":334.25497,"confidence":1.0,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.3765315711498261},{"word":"working","start":334.25497,"end":334.455,"confidence":1.0,"punctuated_word":"working","sentiment":"negative","sentiment_score":-0.3717733323574066},{"word":"a","start":334.455,"end":334.655,"confidence":0.9951172,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5234677791595459},{"word":"bit","start":334.655,"end":334.815,"confidence":1.0,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.40383031964302063},{"word":"harder","start":334.815,"end":335.215,"confidence":0.99902344,"punctuated_word":"harder","sentiment":"negative","sentiment_score":-0.4462513625621796},{"word":"for","start":335.215,"end":335.375,"confidence":0.99902344,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.5265703201293945},{"word":"you","start":335.375,"end":335.875,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"negative","sentiment_score":-0.3708189129829407},{"word":"okay","start":335.935,"end":336.435,"confidence":0.94384766,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":-0.058249425143003464},{"word":"we've","start":337.85498,"end":338.25497,"confidence":0.89868164,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.03547820821404457},{"word":"also","start":338.25497,"end":338.495,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.03554423898458481},{"word":"got","start":338.495,"end":338.735,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07177369296550751},{"word":"the","start":338.735,"end":338.815,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04423678293824196},{"word":"beta","start":338.815,"end":339.215,"confidence":0.43530273,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.011172980070114136},{"word":"shares","start":339.215,"end":339.715,"confidence":0.98291016,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.038614969700574875},{"word":"bank","start":339.775,"end":340.095,"confidence":0.7651367,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.05727318674325943},{"word":"hybrids","start":340.095,"end":340.57498,"confidence":0.98535156,"punctuated_word":"hybrids","sentiment":"neutral","sentiment_score":0.05518275499343872},{"word":"in","start":340.57498,"end":340.735,"confidence":0.98291016,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06496357917785645},{"word":"there","start":340.735,"end":340.895,"confidence":0.8312988,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0657023936510086},{"word":"now","start":340.895,"end":341.13498,"confidence":0.9819336,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.06477297842502594},{"word":"that","start":341.13498,"end":341.29498,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.063011035323143},{"word":"is","start":341.29498,"end":341.455,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07178301364183426},{"word":"more","start":341.455,"end":341.615,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.039140477776527405},{"word":"of","start":341.615,"end":341.69498,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.051921263337135315},{"word":"a","start":341.69498,"end":341.85498,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06205565482378006},{"word":"defensive","start":341.85498,"end":342.35498,"confidence":0.99316406,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.05417700856924057},{"word":"investment","start":342.41498,"end":342.895,"confidence":0.93774414,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.04891989752650261},{"word":"but","start":342.895,"end":343.055,"confidence":0.9892578,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03227963298559189},{"word":"bank","start":343.055,"end":343.375,"confidence":0.98828125,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.007820598781108856},{"word":"hybrids","start":343.375,"end":343.775,"confidence":0.9980469,"punctuated_word":"hybrids","sentiment":"neutral","sentiment_score":0.042915571480989456},{"word":"as","start":343.775,"end":343.935,"confidence":0.86035156,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.004691079258918762},{"word":"an","start":343.935,"end":344.095,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.026340067386627197},{"word":"investment","start":344.095,"end":344.57498,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.026188917458057404},{"word":"vehicle","start":344.57498,"end":344.97498,"confidence":0.97314453,"punctuated_word":"vehicle","sentiment":"neutral","sentiment_score":0.03747086971998215},{"word":"are","start":344.97498,"end":345.055,"confidence":0.97265625,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.045789025723934174},{"word":"actually","start":345.055,"end":345.455,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.0330653190612793},{"word":"gonna","start":345.455,"end":345.69498,"confidence":0.9716797,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.10745663940906525},{"word":"be","start":345.69498,"end":345.85498,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.09186266362667084},{"word":"phased","start":345.85498,"end":346.175,"confidence":0.9980469,"punctuated_word":"phased","sentiment":"neutral","sentiment_score":-0.06474696844816208},{"word":"out","start":346.175,"end":346.335,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.11102893948554993},{"word":"in","start":346.335,"end":346.41498,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.09199631214141846},{"word":"the","start":346.41498,"end":346.57498,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01915060728788376},{"word":"future","start":346.57498,"end":346.895,"confidence":0.98828125,"punctuated_word":"future","sentiment":"neutral","sentiment_score":-0.04247477650642395},{"word":"by","start":346.895,"end":347.055,"confidence":0.9980469,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.06266270577907562},{"word":"the","start":347.055,"end":347.215,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03990687429904938},{"word":"government","start":347.215,"end":347.69498,"confidence":0.9790039,"punctuated_word":"government.","sentiment":"neutral","sentiment_score":-0.014628216624259949},{"word":"so","start":347.69498,"end":348.12,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03597187250852585},{"word":"i've","start":348.12,"end":348.36,"confidence":0.99609375,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.02910609543323517},{"word":"taken","start":348.36,"end":348.6,"confidence":0.99902344,"punctuated_word":"taken","sentiment":"neutral","sentiment_score":0.03490728884935379},{"word":"the","start":348.6,"end":348.76,"confidence":0.5102539,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03802555799484253},{"word":"step","start":348.76,"end":349.0,"confidence":0.61376953,"punctuated_word":"step","sentiment":"neutral","sentiment_score":0.05741044133901596},{"word":"to","start":349.0,"end":349.16,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.054235368967056274},{"word":"remove","start":349.16,"end":349.47998,"confidence":0.9941406,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.022306367754936215},{"word":"those","start":349.47998,"end":349.72,"confidence":0.8647461,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.05596809834241867},{"word":"in","start":349.72,"end":349.88,"confidence":0.63720703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.005648016929626465},{"word":"the","start":349.88,"end":349.96,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.024360083043575287},{"word":"portfolio","start":349.96,"end":350.46,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.04832490533590317},{"word":"now","start":350.6,"end":351.0,"confidence":0.8977051,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.0197780579328537},{"word":"it's","start":351.0,"end":351.16,"confidence":0.80981445,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.02462742850184441},{"word":"better","start":351.16,"end":351.47998,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.012529060244560242},{"word":"to","start":351.47998,"end":351.56,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0954207479953766},{"word":"do","start":351.56,"end":351.72,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08245415985584259},{"word":"it","start":351.72,"end":351.96,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1287248432636261},{"word":"now","start":351.96,"end":352.19998,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.161773681640625},{"word":"rather","start":352.19998,"end":352.52,"confidence":0.9819336,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":0.04150208830833435},{"word":"than","start":352.52,"end":353.02,"confidence":0.99902344,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.008002758026123047},{"word":"do","start":353.08,"end":353.32,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.07845079898834229},{"word":"it","start":353.32,"end":353.4,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0065644532442092896},{"word":"down","start":353.4,"end":353.56,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.027419567108154297},{"word":"the","start":353.56,"end":353.72,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08407256007194519},{"word":"track","start":353.72,"end":353.96,"confidence":0.9980469,"punctuated_word":"track","sentiment":"neutral","sentiment_score":-0.021321147680282593},{"word":"when","start":353.96,"end":354.19998,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.024435393512248993},{"word":"we","start":354.19998,"end":354.36,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12315934151411057},{"word":"have","start":354.36,"end":354.52,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1372186243534088},{"word":"to","start":354.52,"end":355.02,"confidence":0.8330078,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.1302628517150879},{"word":"since","start":355.32,"end":355.63998,"confidence":0.51171875,"punctuated_word":"Since","sentiment":"neutral","sentiment_score":0.2383374124765396},{"word":"we're","start":355.63998,"end":355.8,"confidence":0.9916992,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.3373922109603882},{"word":"making","start":355.8,"end":356.12,"confidence":1.0,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.3792029619216919},{"word":"these","start":356.12,"end":356.28,"confidence":0.9980469,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.3945264220237732},{"word":"changes","start":356.28,"end":356.68,"confidence":1.0,"punctuated_word":"changes","sentiment":"positive","sentiment_score":0.3339550793170929},{"word":"now","start":356.68,"end":356.91998,"confidence":0.95092773,"punctuated_word":"now,","sentiment":"positive","sentiment_score":0.3938384652137756},{"word":"we","start":356.91998,"end":357.0,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4399895966053009},{"word":"can","start":357.0,"end":357.32,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4019179344177246},{"word":"incorporate","start":357.32,"end":357.8,"confidence":1.0,"punctuated_word":"incorporate","sentiment":"positive","sentiment_score":0.40842124819755554},{"word":"that","start":357.8,"end":358.04,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4097041189670563},{"word":"to","start":358.04,"end":358.19998,"confidence":0.99609375,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.34498700499534607},{"word":"make","start":358.19998,"end":358.36,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.443286269903183},{"word":"it","start":358.36,"end":358.52,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4666582345962525},{"word":"easier","start":358.52,"end":358.91998,"confidence":1.0,"punctuated_word":"easier","sentiment":"positive","sentiment_score":0.4609377384185791},{"word":"for","start":358.91998,"end":359.16,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.47790607810020447},{"word":"you","start":359.16,"end":359.66,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.3119972348213196},{"word":"we're","start":360.19998,"end":360.44,"confidence":0.9790039,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.3212718963623047},{"word":"also","start":360.44,"end":360.68,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.258054256439209},{"word":"gonna","start":360.68,"end":361.0,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.3609473407268524},{"word":"keep","start":361.0,"end":361.16,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.37390121817588806},{"word":"the","start":361.16,"end":361.32,"confidence":0.97509766,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3723441958427429},{"word":"physical","start":361.32,"end":361.8,"confidence":0.97509766,"punctuated_word":"physical","sentiment":"neutral","sentiment_score":0.23171839118003845},{"word":"gold","start":361.8,"end":362.12,"confidence":0.8857422,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.2208005040884018},{"word":"there","start":362.12,"end":362.36,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.28899824619293213},{"word":"and","start":362.36,"end":362.52,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22939954698085785},{"word":"increase","start":362.52,"end":362.91998,"confidence":0.9980469,"punctuated_word":"increase","sentiment":"positive","sentiment_score":0.34407034516334534},{"word":"your","start":362.91998,"end":363.16,"confidence":0.9140625,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3468566834926605},{"word":"exposure","start":363.16,"end":363.63998,"confidence":0.86694336,"punctuated_word":"exposure.","sentiment":"neutral","sentiment_score":0.33031773567199707},{"word":"so","start":363.63998,"end":363.885,"confidence":0.99609375,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5048894882202148},{"word":"it","start":363.965,"end":364.045,"confidence":0.9428711,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6025527119636536},{"word":"has","start":364.045,"end":364.20502,"confidence":0.99902344,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.5388606786727905},{"word":"done","start":364.20502,"end":364.36502,"confidence":0.99609375,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.5376862287521362},{"word":"very","start":364.36502,"end":364.605,"confidence":0.97680664,"punctuated_word":"very,","sentiment":"positive","sentiment_score":0.5025907754898071},{"word":"very","start":364.605,"end":364.92502,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.5517650842666626},{"word":"well","start":364.92502,"end":365.245,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.5057084560394287},{"word":"physical","start":365.245,"end":365.64502,"confidence":0.9941406,"punctuated_word":"Physical","sentiment":"neutral","sentiment_score":0.08161221444606781},{"word":"gold","start":365.64502,"end":365.885,"confidence":0.9873047,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.1974627822637558},{"word":"had","start":365.885,"end":366.125,"confidence":0.6513672,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.014434590935707092},{"word":"a","start":366.125,"end":366.20502,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.053927116096019745},{"word":"little","start":366.20502,"end":366.445,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.0191299170255661},{"word":"bit","start":366.445,"end":366.52502,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.0055774301290512085},{"word":"of","start":366.52502,"end":366.605,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02295506000518799},{"word":"a","start":366.605,"end":366.765,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.039254821836948395},{"word":"dip","start":366.765,"end":367.005,"confidence":0.99609375,"punctuated_word":"dip","sentiment":"neutral","sentiment_score":-0.04113270342350006},{"word":"in","start":367.005,"end":367.08502,"confidence":0.9863281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0958232581615448},{"word":"the","start":367.08502,"end":367.245,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.018278315663337708},{"word":"last","start":367.245,"end":367.48502,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.022044017910957336},{"word":"few","start":367.48502,"end":367.64502,"confidence":0.99609375,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.017290063202381134},{"word":"weeks","start":367.64502,"end":368.14502,"confidence":0.9707031,"punctuated_word":"weeks,","sentiment":"neutral","sentiment_score":0.038369182497262955},{"word":"but","start":368.445,"end":368.605,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0987297147512436},{"word":"it","start":368.605,"end":368.685,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3521842658519745},{"word":"has","start":368.685,"end":368.92502,"confidence":1.0,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.40710753202438354},{"word":"done","start":368.92502,"end":369.165,"confidence":0.9970703,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.46056193113327026},{"word":"very","start":369.165,"end":369.405,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.5585604906082153},{"word":"well","start":369.405,"end":369.64502,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.5498586297035217},{"word":"and","start":369.64502,"end":369.80502,"confidence":0.9863281,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.43754127621650696},{"word":"has","start":369.80502,"end":369.965,"confidence":0.9863281,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.4679285585880279},{"word":"been","start":369.965,"end":370.125,"confidence":0.9902344,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.4550617039203644},{"word":"at","start":370.125,"end":370.285,"confidence":0.96435547,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4543706476688385},{"word":"a","start":370.285,"end":370.36502,"confidence":0.984375,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.45218271017074585},{"word":"thirty","start":370.36502,"end":370.685,"confidence":0.98535156,"punctuated_word":"thirty","sentiment":"positive","sentiment_score":0.36416834592819214},{"word":"year","start":370.685,"end":370.92502,"confidence":0.98828125,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.3249196708202362},{"word":"high","start":370.92502,"end":371.245,"confidence":0.98950195,"punctuated_word":"high.","sentiment":"neutral","sentiment_score":0.2894110679626465},{"word":"so","start":371.245,"end":371.48502,"confidence":0.96875,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.29860028624534607},{"word":"essentially","start":371.48502,"end":371.965,"confidence":0.99902344,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.3027399182319641},{"word":"you","start":371.965,"end":372.045,"confidence":0.8178711,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4159027338027954},{"word":"wanna","start":372.045,"end":372.285,"confidence":0.9921875,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.41297775506973267},{"word":"keep","start":372.285,"end":372.52502,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.32487475872039795},{"word":"physical","start":372.52502,"end":373.005,"confidence":0.9892578,"punctuated_word":"physical","sentiment":"neutral","sentiment_score":0.22289416193962097},{"word":"gold","start":373.005,"end":373.165,"confidence":0.99902344,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.30730384588241577},{"word":"in","start":373.165,"end":373.325,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2864557206630707},{"word":"your","start":373.325,"end":373.565,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.28665709495544434},{"word":"portfolio","start":373.565,"end":374.065,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.16513049602508545},{"word":"and","start":374.285,"end":374.52502,"confidence":0.94970703,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3350042998790741},{"word":"just","start":374.52502,"end":374.765,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.29582878947257996},{"word":"increase","start":374.765,"end":375.165,"confidence":0.98828125,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.33268940448760986},{"word":"your","start":375.165,"end":375.325,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4364281892776489},{"word":"exposure","start":375.325,"end":375.80502,"confidence":1.0,"punctuated_word":"exposure","sentiment":"positive","sentiment_score":0.4023295044898987},{"word":"back","start":375.80502,"end":376.045,"confidence":0.99902344,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.33758020401000977},{"word":"to","start":376.045,"end":376.20502,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3306787312030792},{"word":"about","start":376.20502,"end":376.445,"confidence":0.99609375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.3233222961425781},{"word":"10%","start":376.445,"end":377.08502,"confidence":0.9995117,"punctuated_word":"10%","sentiment":"positive","sentiment_score":0.4099352955818176},{"word":"there","start":377.08502,"end":377.405,"confidence":0.9716797,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.4225916862487793},{"word":"for","start":377.405,"end":377.565,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22683709859848025},{"word":"you","start":377.565,"end":378.06,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.15300646424293518},{"word":"cybersecurity","start":379.9,"end":380.13998,"confidence":0.98046875,"punctuated_word":"Cybersecurity","sentiment":"neutral","sentiment_score":-0.28364384174346924},{"word":"has","start":380.13998,"end":380.38,"confidence":1.0,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.3751674890518189},{"word":"had","start":380.38,"end":380.5,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.26715654134750366},{"word":"a","start":380.5,"end":380.62,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3100917935371399},{"word":"bit","start":380.62,"end":380.78,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.26596635580062866},{"word":"of","start":380.78,"end":380.94,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.36210060119628906},{"word":"an","start":380.94,"end":381.1,"confidence":0.99902344,"punctuated_word":"an","sentiment":"negative","sentiment_score":-0.3982178866863251},{"word":"up","start":381.1,"end":381.18,"confidence":0.8598633,"punctuated_word":"up","sentiment":"negative","sentiment_score":-0.45214277505874634},{"word":"and","start":381.18,"end":381.26,"confidence":0.8911133,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.45074349641799927},{"word":"down","start":381.26,"end":381.58,"confidence":0.99902344,"punctuated_word":"down","sentiment":"negative","sentiment_score":-0.3587918281555176},{"word":"year","start":381.58,"end":381.9,"confidence":0.91918945,"punctuated_word":"year.","sentiment":"negative","sentiment_score":-0.3948441743850708},{"word":"a","start":381.9,"end":382.06,"confidence":0.99902344,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.24279609322547913},{"word":"lot","start":382.06,"end":382.22,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.20522217452526093},{"word":"of","start":382.22,"end":382.3,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.24150168895721436},{"word":"things","start":382.3,"end":382.54,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.27962586283683777},{"word":"have","start":382.54,"end":382.86,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.17107075452804563},{"word":"with","start":382.86,"end":383.02,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.239096537232399},{"word":"what's","start":383.02,"end":383.26,"confidence":0.99853516,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.2514001727104187},{"word":"been","start":383.26,"end":383.41998,"confidence":0.96875,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.23266297578811648},{"word":"going","start":383.41998,"end":383.74,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.18013669550418854},{"word":"on","start":383.74,"end":383.98,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.19992050528526303},{"word":"globally","start":383.98,"end":384.46,"confidence":0.9980469,"punctuated_word":"globally","sentiment":"neutral","sentiment_score":-0.3147859275341034},{"word":"there","start":384.46,"end":384.96,"confidence":0.7155762,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.1919398307800293},{"word":"but","start":385.74,"end":385.9,"confidence":0.8491211,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.11557803303003313},{"word":"cybersecurity","start":385.9,"end":386.4,"confidence":0.9160156,"punctuated_word":"cybersecurity","sentiment":"neutral","sentiment_score":-0.2397563010454178},{"word":"is","start":387.26,"end":387.41998,"confidence":0.93603516,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.16430528461933136},{"word":"not","start":387.41998,"end":387.58,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.03028416633605957},{"word":"bad","start":387.58,"end":387.82,"confidence":1.0,"punctuated_word":"bad","sentiment":"neutral","sentiment_score":-0.2025051116943359},{"word":"in","start":387.82,"end":387.98,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.046876177191734314},{"word":"any","start":387.98,"end":388.13998,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.0962846577167511},{"word":"way","start":388.13998,"end":388.3,"confidence":0.9428711,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":-0.05138152837753296},{"word":"shape","start":388.3,"end":388.54,"confidence":0.98217773,"punctuated_word":"shape,","sentiment":"neutral","sentiment_score":-0.010670989751815796},{"word":"or","start":388.54,"end":388.78,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.038060396909713745},{"word":"form","start":388.78,"end":388.94,"confidence":0.9682617,"punctuated_word":"form,","sentiment":"neutral","sentiment_score":-0.05713008716702461},{"word":"and","start":388.94,"end":389.1,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.024608924984931942},{"word":"we","start":389.1,"end":389.26,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.041941672563552856},{"word":"wanna","start":389.26,"end":389.5,"confidence":0.984375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.11461491882801056},{"word":"keep","start":389.5,"end":389.74,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.02699798345565796},{"word":"that","start":389.74,"end":389.9,"confidence":0.8173828,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.08945438265800476},{"word":"but","start":389.9,"end":389.98,"confidence":0.86572266,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.06620688736438751},{"word":"you're","start":389.98,"end":390.22,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.2079642713069916},{"word":"a","start":390.22,"end":390.3,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2239452600479126},{"word":"little","start":390.3,"end":390.54,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.24923720955848697},{"word":"bit","start":390.54,"end":390.62,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2926313281059265},{"word":"overexposed","start":390.62,"end":391.12,"confidence":0.9654948,"punctuated_word":"overexposed","sentiment":"negative","sentiment_score":-0.3681412637233734},{"word":"at","start":391.34,"end":391.5,"confidence":0.99902344,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.4055870771408081},{"word":"the","start":391.5,"end":391.58,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.37114667892456055},{"word":"moment","start":391.58,"end":391.9,"confidence":0.8479004,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.3129005432128906},{"word":"so","start":391.9,"end":392.06,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.17080169916152954},{"word":"just","start":392.06,"end":392.3,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.20648592710494995},{"word":"rebalancing","start":392.3,"end":392.8,"confidence":0.91308594,"punctuated_word":"rebalancing","sentiment":"neutral","sentiment_score":-0.18867966532707217},{"word":"your","start":392.94,"end":393.18,"confidence":0.92578125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1006762683391571},{"word":"portfolio","start":393.18,"end":393.68,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.28677189350128174},{"word":"and","start":394.035,"end":394.195,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.053286150097846985},{"word":"bring","start":394.195,"end":394.435,"confidence":0.7089844,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":-0.0351811945438385},{"word":"your","start":394.435,"end":394.67502,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0036185383796691895},{"word":"exposure","start":394.67502,"end":395.17502,"confidence":1.0,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":-0.051667213439941406},{"word":"back","start":395.23502,"end":395.475,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.029704034328460693},{"word":"to","start":395.475,"end":395.635,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03327539563179016},{"word":"5%","start":395.635,"end":396.275,"confidence":1.0,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.039761073887348175},{"word":"with","start":396.275,"end":396.435,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0993993729352951},{"word":"that","start":396.435,"end":396.595,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1359698325395584},{"word":"one","start":396.595,"end":397.095,"confidence":0.99194336,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.14399737119674683},{"word":"you've","start":397.635,"end":397.795,"confidence":0.8930664,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.025457270443439484},{"word":"got","start":397.795,"end":398.275,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05921013653278351},{"word":"because","start":398.67502,"end":398.915,"confidence":0.9970703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.02856220304965973},{"word":"we're","start":398.915,"end":399.075,"confidence":0.99853516,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.09559057652950288},{"word":"getting","start":399.075,"end":399.315,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.016126587986946106},{"word":"rid","start":399.315,"end":399.555,"confidence":1.0,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":-0.055343784391880035},{"word":"of","start":399.555,"end":399.875,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.017540350556373596},{"word":"the","start":399.875,"end":399.95502,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04452255368232727},{"word":"as","start":400.035,"end":400.195,"confidence":0.5151367,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.015629127621650696},{"word":"the","start":400.195,"end":400.355,"confidence":0.6611328,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11523152887821198},{"word":"bank","start":400.355,"end":400.595,"confidence":0.99316406,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.14806824922561646},{"word":"hybrids","start":400.595,"end":400.995,"confidence":0.9692383,"punctuated_word":"hybrids,","sentiment":"neutral","sentiment_score":-0.0028560012578964233},{"word":"we","start":400.995,"end":401.23502,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16002558171749115},{"word":"do","start":401.23502,"end":401.315,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10691782832145692},{"word":"need","start":401.315,"end":401.555,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.14289934933185575},{"word":"to","start":401.555,"end":401.635,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1275569200515747},{"word":"make","start":401.635,"end":401.795,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.05486181378364563},{"word":"sure","start":401.795,"end":402.115,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.0974588543176651},{"word":"as","start":402.115,"end":402.275,"confidence":0.7998047,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14868870377540588},{"word":"you're","start":402.275,"end":402.515,"confidence":0.99658203,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1236591786146164},{"word":"in","start":402.515,"end":402.755,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06158417463302612},{"word":"a","start":402.755,"end":403.075,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16070346534252167},{"word":"growth","start":403.075,"end":403.475,"confidence":0.98828125,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.060603007674217224},{"word":"portfolio","start":403.475,"end":403.975,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.02540495991706848},{"word":"that","start":404.195,"end":404.355,"confidence":0.9428711,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24797323346138},{"word":"you","start":404.355,"end":404.595,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28724405169487},{"word":"do","start":404.595,"end":404.835,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.24348095059394836},{"word":"have","start":404.835,"end":405.075,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.20493488013744351},{"word":"access","start":405.075,"end":405.475,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.17820940911769867},{"word":"to","start":405.475,"end":405.975,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27301740646362305},{"word":"the","start":406.77,"end":407.00998,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21712084114551544},{"word":"defensive","start":407.00998,"end":407.50998,"confidence":0.99609375,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":-0.031677499413490295},{"word":"investments","start":407.56998,"end":407.97,"confidence":0.58154297,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.039453014731407166},{"word":"as","start":407.97,"end":408.12997,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.20856037735939023},{"word":"well","start":408.12997,"end":408.37,"confidence":0.99316406,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.03973826766014099},{"word":"so","start":408.37,"end":408.69,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1618601381778717},{"word":"a","start":408.69,"end":408.77,"confidence":0.7836914,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22778062522411344},{"word":"growth","start":408.77,"end":409.16998,"confidence":0.9921875,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2723243236541748},{"word":"portfolio","start":409.16998,"end":409.66998,"confidence":0.9970703,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.17949864268302915},{"word":"is","start":409.72998,"end":409.97,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1866250187158585},{"word":"generally","start":409.97,"end":410.37,"confidence":0.9970703,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":0.2681257724761963},{"word":"80%","start":410.37,"end":411.09,"confidence":1.0,"punctuated_word":"80%","sentiment":"neutral","sentiment_score":0.2609122693538666},{"word":"in","start":411.09,"end":411.33,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.25416916608810425},{"word":"those","start":411.33,"end":411.65,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.20527777075767517},{"word":"growth","start":411.65,"end":411.97,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.1947251260280609},{"word":"areas","start":411.97,"end":412.44998,"confidence":0.7536621,"punctuated_word":"areas,","sentiment":"neutral","sentiment_score":0.2452886402606964},{"word":"like","start":412.44998,"end":412.93,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.23645859956741333},{"word":"australian","start":412.93,"end":413.40997,"confidence":0.9838867,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.27489495277404785},{"word":"international","start":413.40997,"end":413.90997,"confidence":0.7265625,"punctuated_word":"international","sentiment":"neutral","sentiment_score":0.2131931334733963},{"word":"shares","start":414.12997,"end":414.53,"confidence":0.75756836,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.2645832598209381},{"word":"listed","start":414.53,"end":414.93,"confidence":0.9560547,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.21439675986766815},{"word":"property","start":414.93,"end":415.25,"confidence":0.96191406,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.1908273547887802},{"word":"and","start":415.25,"end":415.40997,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15770262479782104},{"word":"also","start":415.40997,"end":415.65,"confidence":0.9223633,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.18155206739902496},{"word":"commodities","start":415.65,"end":416.15,"confidence":0.99121094,"punctuated_word":"commodities","sentiment":"neutral","sentiment_score":0.16301214694976807},{"word":"like","start":416.21,"end":416.37,"confidence":0.69921875,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.22452157735824585},{"word":"gold","start":416.37,"end":416.61,"confidence":0.9863281,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.2331385314464569},{"word":"and","start":416.61,"end":416.77,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20970381796360016},{"word":"silver","start":416.77,"end":417.27,"confidence":0.8679199,"punctuated_word":"silver,","sentiment":"neutral","sentiment_score":0.18096889555454257},{"word":"and","start":417.33,"end":417.56998,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17910879850387573},{"word":"holding","start":417.56998,"end":417.88998,"confidence":1.0,"punctuated_word":"holding","sentiment":"neutral","sentiment_score":0.22242453694343567},{"word":"20%","start":417.88998,"end":418.61,"confidence":1.0,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":0.23400358855724335},{"word":"in","start":418.61,"end":418.84998,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.275338351726532},{"word":"defensive","start":418.84998,"end":419.34998,"confidence":0.99902344,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.18276306986808777},{"word":"investments","start":419.49,"end":419.97,"confidence":0.8613281,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.18702362477779388},{"word":"things","start":419.97,"end":420.21,"confidence":0.9980469,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.18777407705783844},{"word":"like","start":420.21,"end":420.44998,"confidence":0.9941406,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.17081359028816223},{"word":"cash","start":420.44998,"end":420.77,"confidence":0.96069336,"punctuated_word":"cash,","sentiment":"neutral","sentiment_score":0.1637997031211853},{"word":"bonds","start":420.77,"end":421.09,"confidence":0.9814453,"punctuated_word":"bonds,","sentiment":"neutral","sentiment_score":0.15664242208003998},{"word":"and","start":421.09,"end":421.16998,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19302153587341309},{"word":"fixed","start":421.16998,"end":421.56998,"confidence":0.9980469,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.14661771059036255},{"word":"interest","start":421.56998,"end":422.025,"confidence":0.9628906,"punctuated_word":"interest.","sentiment":"neutral","sentiment_score":0.15925030410289764},{"word":"so","start":422.26498,"end":422.425,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15667222440242767},{"word":"because","start":422.425,"end":422.665,"confidence":0.99609375,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.18151745200157168},{"word":"we're","start":422.665,"end":422.905,"confidence":0.9748535,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.22307811677455905},{"word":"getting","start":422.905,"end":423.065,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.1717107594013214},{"word":"rid","start":423.065,"end":423.185,"confidence":1.0,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":0.08323270082473755},{"word":"of","start":423.185,"end":423.305,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10349497944116592},{"word":"the","start":423.305,"end":423.465,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07747051119804382},{"word":"bank","start":423.465,"end":423.705,"confidence":0.9921875,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.007130153477191925},{"word":"hybrids","start":423.705,"end":424.025,"confidence":0.81152344,"punctuated_word":"hybrids","sentiment":"neutral","sentiment_score":0.015891363844275475},{"word":"there","start":424.025,"end":424.26498,"confidence":0.967041,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.0913366973400116},{"word":"we're","start":424.26498,"end":424.505,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.21844570338726044},{"word":"gonna","start":424.505,"end":424.665,"confidence":0.9667969,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.2358700335025787},{"word":"be","start":424.665,"end":424.905,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2583159804344177},{"word":"increasing","start":424.905,"end":425.38498,"confidence":0.99316406,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.22657403349876404},{"word":"your","start":425.38498,"end":425.625,"confidence":0.97509766,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2774752378463745},{"word":"exposure","start":425.625,"end":426.10498,"confidence":1.0,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.18953417241573337},{"word":"into","start":426.10498,"end":426.425,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.2639927268028259},{"word":"the","start":426.425,"end":426.585,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2669334411621094},{"word":"core","start":426.585,"end":426.905,"confidence":0.984375,"punctuated_word":"core","sentiment":"neutral","sentiment_score":0.22080658376216888},{"word":"composite","start":426.905,"end":427.38498,"confidence":0.9658203,"punctuated_word":"composite","sentiment":"neutral","sentiment_score":0.3026086390018463},{"word":"bonds","start":427.38498,"end":427.785,"confidence":0.62561035,"punctuated_word":"bonds.","sentiment":"neutral","sentiment_score":0.27192264795303345},{"word":"they're","start":427.785,"end":428.025,"confidence":0.93603516,"punctuated_word":"They're","sentiment":"positive","sentiment_score":0.3631226420402527},{"word":"giving","start":428.025,"end":428.26498,"confidence":1.0,"punctuated_word":"giving","sentiment":"positive","sentiment_score":0.38293248414993286},{"word":"you","start":428.26498,"end":428.505,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.35770416259765625},{"word":"access","start":428.505,"end":428.985,"confidence":0.99609375,"punctuated_word":"access","sentiment":"positive","sentiment_score":0.33513113856315613},{"word":"to","start":428.985,"end":429.465,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3638926446437836},{"word":"both","start":429.465,"end":429.865,"confidence":0.91015625,"punctuated_word":"both","sentiment":"positive","sentiment_score":0.3781214356422424},{"word":"government","start":429.865,"end":430.185,"confidence":1.0,"punctuated_word":"government","sentiment":"positive","sentiment_score":0.36863476037979126},{"word":"and","start":430.185,"end":430.345,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.328605979681015},{"word":"corporate","start":430.345,"end":430.745,"confidence":1.0,"punctuated_word":"corporate","sentiment":"neutral","sentiment_score":0.3181265890598297},{"word":"bonds","start":430.745,"end":431.065,"confidence":0.94091797,"punctuated_word":"bonds.","sentiment":"neutral","sentiment_score":0.29292750358581543},{"word":"it","start":431.065,"end":431.225,"confidence":0.9951172,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.3238523006439209},{"word":"also","start":431.225,"end":431.54498,"confidence":0.9838867,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2523994743824005},{"word":"utilizes","start":431.54498,"end":432.04498,"confidence":0.42944336,"punctuated_word":"utilizes","sentiment":"neutral","sentiment_score":0.3131580352783203},{"word":"the","start":432.185,"end":432.345,"confidence":0.86328125,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3495290279388428},{"word":"ventures","start":432.345,"end":432.66498,"confidence":0.703125,"punctuated_word":"ventures","sentiment":"neutral","sentiment_score":0.2862390875816345},{"word":"and","start":432.66498,"end":432.82498,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3239484131336212},{"word":"other","start":432.82498,"end":432.985,"confidence":0.9980469,"punctuated_word":"other","sentiment":"positive","sentiment_score":0.33343809843063354},{"word":"things","start":432.985,"end":433.305,"confidence":0.9970703,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.3677446246147156},{"word":"a","start":433.305,"end":433.38498,"confidence":0.62353516,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.35164105892181396},{"word":"little","start":433.38498,"end":433.625,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.2687643766403198},{"word":"bit","start":433.625,"end":433.785,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.3012716472148895},{"word":"a","start":433.785,"end":433.945,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3254425525665283},{"word":"little","start":433.945,"end":434.10498,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.23995663225650787},{"word":"bit","start":434.10498,"end":434.345,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2712377607822418},{"word":"of","start":434.345,"end":434.425,"confidence":0.8310547,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3464832305908203},{"word":"global","start":434.425,"end":434.745,"confidence":0.9980469,"punctuated_word":"global","sentiment":"neutral","sentiment_score":0.26003602147102356},{"word":"exposure","start":434.745,"end":435.225,"confidence":0.9951172,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.2684547007083893},{"word":"there","start":435.225,"end":435.465,"confidence":0.99902344,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3904630243778229},{"word":"as","start":435.465,"end":435.625,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3714600205421448},{"word":"well","start":435.625,"end":435.865,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.38599830865859985},{"word":"for","start":435.865,"end":436.025,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.372877985239029},{"word":"you","start":436.025,"end":436.525,"confidence":0.9543457,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2790006995201111},{"word":"so","start":436.61,"end":436.77,"confidence":0.9790039,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.27838248014450073},{"word":"making","start":436.77,"end":436.89,"confidence":0.9980469,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.4237507283687592},{"word":"sure","start":436.89,"end":437.01,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.4573240578174591},{"word":"you've","start":437.01,"end":437.33,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.447791188955307},{"word":"got","start":437.33,"end":437.57,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.46898332238197327},{"word":"those","start":437.57,"end":437.73,"confidence":0.97314453,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.4932660758495331},{"word":"defensive","start":437.73,"end":438.23,"confidence":0.72558594,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.2829328179359436},{"word":"investments","start":438.37,"end":438.87,"confidence":0.79345703,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.3254971504211426},{"word":"bonds","start":439.49,"end":439.81,"confidence":0.69433594,"punctuated_word":"bonds","sentiment":"positive","sentiment_score":0.4927287995815277},{"word":"are","start":439.81,"end":439.88998,"confidence":0.9970703,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.43879184126853943},{"word":"also","start":439.88998,"end":440.21,"confidence":0.99902344,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.49470627307891846},{"word":"very","start":440.21,"end":440.53,"confidence":0.99902344,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.6047053337097168},{"word":"good","start":440.53,"end":440.69,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5261349678039551},{"word":"for","start":440.69,"end":440.93,"confidence":0.9902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.570792019367218},{"word":"cash","start":440.93,"end":441.25,"confidence":1.0,"punctuated_word":"cash","sentiment":"positive","sentiment_score":0.5610395073890686},{"word":"producing","start":441.25,"end":441.75,"confidence":0.98339844,"punctuated_word":"producing.","sentiment":"positive","sentiment_score":0.5227714776992798},{"word":"they","start":441.81,"end":441.97,"confidence":1.0,"punctuated_word":"They","sentiment":"positive","sentiment_score":0.4478115737438202},{"word":"provide","start":441.97,"end":442.47,"confidence":1.0,"punctuated_word":"provide","sentiment":"positive","sentiment_score":0.4324334263801574},{"word":"income","start":442.53,"end":443.03,"confidence":0.8198242,"punctuated_word":"income,","sentiment":"positive","sentiment_score":0.43791863322258},{"word":"which","start":443.09,"end":443.33,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.41311460733413696},{"word":"gets","start":443.33,"end":443.65,"confidence":1.0,"punctuated_word":"gets","sentiment":"positive","sentiment_score":0.3888801038265228},{"word":"distributed","start":443.65,"end":444.15,"confidence":0.99902344,"punctuated_word":"distributed","sentiment":"positive","sentiment_score":0.4674514830112457},{"word":"into","start":444.21,"end":444.45,"confidence":0.99902344,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.46364977955818176},{"word":"your","start":444.45,"end":444.77,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.43307679891586304},{"word":"cash","start":444.77,"end":445.01,"confidence":0.9580078,"punctuated_word":"cash","sentiment":"positive","sentiment_score":0.37258026003837585},{"word":"account","start":445.01,"end":445.51,"confidence":0.8613281,"punctuated_word":"account","sentiment":"positive","sentiment_score":0.4239582121372223},{"word":"and","start":445.57,"end":445.73,"confidence":0.89453125,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3991719186306},{"word":"then","start":445.73,"end":445.97,"confidence":0.99902344,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.35846877098083496},{"word":"reinvested","start":445.97,"end":446.47,"confidence":0.9777832,"punctuated_word":"reinvested","sentiment":"positive","sentiment_score":0.4032737016677856},{"word":"back","start":446.61,"end":446.85,"confidence":0.9970703,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.45040106773376465},{"word":"into","start":446.85,"end":447.09,"confidence":0.99902344,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.43097662925720215},{"word":"your","start":447.09,"end":447.41,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3925107717514038},{"word":"portfolio","start":447.41,"end":447.91,"confidence":0.9980469,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.265979140996933},{"word":"as","start":448.53,"end":448.69,"confidence":0.6870117,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4211331307888031},{"word":"a","start":448.69,"end":448.85,"confidence":0.8178711,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4442073702812195},{"word":"compounding","start":448.85,"end":449.35,"confidence":0.99902344,"punctuated_word":"compounding","sentiment":"positive","sentiment_score":0.40442943572998047},{"word":"as","start":449.49,"end":449.65,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4033617675304413},{"word":"well","start":449.65,"end":449.97,"confidence":0.9921875,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.33105021715164185},{"word":"so","start":449.97,"end":450.435,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3002206087112427},{"word":"we'll","start":450.51498,"end":450.675,"confidence":0.9921875,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.37074264883995056},{"word":"essentially","start":450.675,"end":451.155,"confidence":0.96972656,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.31389325857162476},{"word":"see","start":451.155,"end":451.475,"confidence":0.98291016,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.360291600227356},{"word":"14%","start":451.475,"end":452.275,"confidence":0.99658203,"punctuated_word":"14%","sentiment":"positive","sentiment_score":0.3434223234653473},{"word":"of","start":452.275,"end":452.355,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19982320070266724},{"word":"your","start":452.355,"end":452.675,"confidence":0.9760742,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.25060540437698364},{"word":"in","start":452.675,"end":452.835,"confidence":0.76171875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2115273475646973},{"word":"in","start":452.835,"end":453.155,"confidence":0.7026367,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.22263231873512268},{"word":"your","start":453.395,"end":453.635,"confidence":0.9277344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2715567648410797},{"word":"portfolio","start":453.635,"end":454.135,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.15517130494117737},{"word":"investors","start":454.275,"end":454.675,"confidence":0.6660156,"punctuated_word":"investors","sentiment":"neutral","sentiment_score":0.13968752324581146},{"word":"there","start":454.675,"end":455.175,"confidence":0.86157227,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.27458643913269043},{"word":"the","start":455.635,"end":455.875,"confidence":0.7050781,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.3691432476043701},{"word":"s","start":455.875,"end":456.035,"confidence":0.8120117,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.2822698950767517},{"word":"and","start":456.035,"end":456.115,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.251664936542511},{"word":"p","start":456.115,"end":456.435,"confidence":1.0,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.18491549789905548},{"word":"five","start":456.435,"end":456.595,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.2870441973209381},{"word":"hundred","start":456.595,"end":456.915,"confidence":0.9926758,"punctuated_word":"hundred,","sentiment":"neutral","sentiment_score":0.21798594295978543},{"word":"you've","start":456.915,"end":457.235,"confidence":0.99609375,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.11911381781101228},{"word":"got","start":457.235,"end":457.395,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.09133751690387726},{"word":"about","start":457.395,"end":457.635,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10745109617710114},{"word":"26%","start":457.635,"end":458.51498,"confidence":0.9980469,"punctuated_word":"26%","sentiment":"neutral","sentiment_score":0.11085954308509828},{"word":"there","start":458.51498,"end":458.675,"confidence":0.85546875,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.09906206279993056},{"word":"at","start":458.675,"end":458.835,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05066954344511032},{"word":"the","start":458.835,"end":458.995,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08021074533462524},{"word":"moment","start":458.995,"end":459.495,"confidence":0.7609863,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.09801384806632996},{"word":"has","start":459.875,"end":460.115,"confidence":0.95947266,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.10828039050102234},{"word":"had","start":460.115,"end":460.275,"confidence":0.9970703,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.06802815198898315},{"word":"a","start":460.275,"end":460.355,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04960371553897858},{"word":"bit","start":460.355,"end":460.51498,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.028301343321800232},{"word":"of","start":460.51498,"end":460.595,"confidence":0.9667969,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.057255104184150696},{"word":"up","start":460.595,"end":460.755,"confidence":0.8413086,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.06954041123390198},{"word":"and","start":460.755,"end":460.915,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.14479687809944153},{"word":"downs","start":460.915,"end":461.155,"confidence":0.8457031,"punctuated_word":"downs","sentiment":"neutral","sentiment_score":-0.03762725740671158},{"word":"with","start":461.155,"end":461.315,"confidence":0.94384766,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.05221983790397644},{"word":"everything","start":461.315,"end":461.715,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.02189217507839203},{"word":"going","start":461.715,"end":461.955,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.024090558290481567},{"word":"on","start":461.955,"end":462.115,"confidence":0.9951172,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.033335670828819275},{"word":"in","start":462.115,"end":462.195,"confidence":0.9370117,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04501992464065552},{"word":"the","start":462.195,"end":462.355,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.009996086359024048},{"word":"world","start":462.355,"end":462.51498,"confidence":0.8898926,"punctuated_word":"world,","sentiment":"neutral","sentiment_score":0.0016508102416992188},{"word":"but","start":462.51498,"end":462.675,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.10833438485860825},{"word":"is","start":462.675,"end":462.915,"confidence":0.6459961,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2782309651374817},{"word":"still","start":462.915,"end":463.075,"confidence":0.9819336,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.3808829188346863},{"word":"a","start":463.075,"end":463.155,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5167346596717834},{"word":"great","start":463.155,"end":463.395,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.6343939900398254},{"word":"place","start":463.395,"end":463.68,"confidence":0.9941406,"punctuated_word":"place","sentiment":"positive","sentiment_score":0.5664193034172058},{"word":"to","start":463.68,"end":463.75998,"confidence":0.96533203,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6039449572563171},{"word":"be","start":463.75998,"end":463.91998,"confidence":0.9892578,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.6436395049095154},{"word":"invested","start":463.91998,"end":464.4,"confidence":0.8317871,"punctuated_word":"invested.","sentiment":"positive","sentiment_score":0.5002182126045227},{"word":"so","start":464.4,"end":464.56,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2499639391899109},{"word":"just","start":464.56,"end":464.88,"confidence":0.8310547,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2611636519432068},{"word":"increasing","start":464.88,"end":465.38,"confidence":0.9951172,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.23268550634384155},{"word":"your","start":465.44,"end":465.68,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2810792326927185},{"word":"exposure","start":465.68,"end":466.16,"confidence":0.9770508,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.09592368453741074},{"word":"to","start":466.16,"end":466.32,"confidence":0.8310547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2620781362056732},{"word":"30%","start":466.32,"end":466.96,"confidence":1.0,"punctuated_word":"30%","sentiment":"positive","sentiment_score":0.3399984538555145},{"word":"there","start":466.96,"end":467.46,"confidence":0.9223633,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2803665101528168},{"word":"and","start":467.75998,"end":468.0,"confidence":0.9038086,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21154090762138367},{"word":"buying","start":468.0,"end":468.32,"confidence":1.0,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.2052554488182068},{"word":"a","start":468.32,"end":468.47998,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17356421053409576},{"word":"little","start":468.47998,"end":468.63998,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.12354633957147598},{"word":"bit","start":468.63998,"end":468.8,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1248750239610672},{"word":"more","start":468.8,"end":469.3,"confidence":0.8034668,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":0.12204797565937042},{"word":"we'll","start":469.6,"end":469.75998,"confidence":0.7260742,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.05292816087603569},{"word":"be","start":469.75998,"end":469.91998,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05755376070737839},{"word":"selling","start":469.91998,"end":470.24,"confidence":1.0,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.01744624227285385},{"word":"off","start":470.24,"end":470.4,"confidence":0.96777344,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.05725336819887161},{"word":"a","start":470.4,"end":470.47998,"confidence":0.55566406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0029915347695350647},{"word":"vaneck","start":470.47998,"end":470.96,"confidence":0.6680908,"punctuated_word":"VanEck","sentiment":"neutral","sentiment_score":-0.0464482307434082},{"word":"property","start":470.96,"end":471.46,"confidence":0.9760742,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.02199389785528183},{"word":"and","start":471.68,"end":471.91998,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.025754623115062714},{"word":"removing","start":471.91998,"end":472.41998,"confidence":1.0,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":0.006329897791147232},{"word":"the","start":472.88,"end":472.96,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014805838465690613},{"word":"beta","start":472.96,"end":473.36,"confidence":0.7270508,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":-0.010624855756759644},{"word":"shares","start":473.36,"end":473.86,"confidence":0.6689453,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.008493158966302872},{"word":"roughly","start":473.91998,"end":474.32,"confidence":0.39575195,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":0.031957417726516724},{"word":"a","start":474.32,"end":474.56,"confidence":0.9375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.032036833465099335},{"word":"200","start":474.56,"end":475.28,"confidence":0.99902344,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.06572109460830688},{"word":"as","start":475.28,"end":475.44,"confidence":0.9921875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08480259776115417},{"word":"well","start":475.44,"end":475.94,"confidence":0.9980469,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.025012429803609848},{"word":"essentially","start":476.505,"end":476.905,"confidence":0.9980469,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.012968264520168304},{"word":"they","start":476.905,"end":477.065,"confidence":0.9760742,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.01473274827003479},{"word":"haven't","start":477.065,"end":477.38498,"confidence":1.0,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.03943189978599548},{"word":"done","start":477.38498,"end":477.625,"confidence":0.9980469,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.12376757711172104},{"word":"too","start":477.625,"end":477.865,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.003806695342063904},{"word":"bad","start":477.865,"end":478.365,"confidence":0.9885254,"punctuated_word":"bad.","sentiment":"neutral","sentiment_score":-0.06385691463947296},{"word":"however","start":478.585,"end":479.065,"confidence":0.89331055,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":0.04689677432179451},{"word":"because","start":479.065,"end":479.305,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.06114717572927475},{"word":"we","start":479.305,"end":479.465,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10356591641902924},{"word":"are","start":479.465,"end":479.705,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1098846197128296},{"word":"removing","start":479.705,"end":480.185,"confidence":0.99902344,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":0.054044026881456375},{"word":"banda","start":480.185,"end":480.585,"confidence":0.30456543,"punctuated_word":"Banda","sentiment":"neutral","sentiment_score":-0.04783926159143448},{"word":"long","start":480.585,"end":480.745,"confidence":0.9838867,"punctuated_word":"Long","sentiment":"neutral","sentiment_score":-0.0282793790102005},{"word":"australian","start":480.745,"end":481.145,"confidence":0.9370117,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.0496753454208374},{"word":"equities","start":481.145,"end":481.54498,"confidence":0.8330078,"punctuated_word":"equities","sentiment":"neutral","sentiment_score":-0.01220865361392498},{"word":"and","start":481.54498,"end":481.705,"confidence":0.9394531,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08087271451950073},{"word":"buying","start":481.705,"end":481.945,"confidence":1.0,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.0863029882311821},{"word":"into","start":481.945,"end":482.185,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.09174607694149016},{"word":"the","start":482.185,"end":482.345,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08437980711460114},{"word":"a","start":482.345,"end":482.585,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08077540248632431},{"word":"200","start":482.585,"end":483.32498,"confidence":0.998291,"punctuated_word":"200,","sentiment":"neutral","sentiment_score":0.07345933467149734},{"word":"we","start":483.465,"end":483.625,"confidence":0.9770508,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05306876450777054},{"word":"don't","start":483.625,"end":483.865,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.008694052696228027},{"word":"wanna","start":483.865,"end":484.185,"confidence":0.9707031,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.03945830091834068},{"word":"have","start":484.185,"end":484.26498,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.060031116008758545},{"word":"you","start":484.26498,"end":484.585,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04209788888692856},{"word":"overexposed","start":484.585,"end":485.085,"confidence":0.94466144,"punctuated_word":"overexposed","sentiment":"neutral","sentiment_score":-0.15387748181819916},{"word":"in","start":485.225,"end":485.465,"confidence":0.9589844,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1358451396226883},{"word":"australian","start":485.465,"end":485.945,"confidence":0.9291992,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.08850261569023132},{"word":"equities","start":485.945,"end":486.425,"confidence":0.8570964,"punctuated_word":"equities.","sentiment":"neutral","sentiment_score":-0.029975390061736107},{"word":"so","start":486.425,"end":486.585,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07082061469554901},{"word":"we're","start":486.585,"end":486.745,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.07501040399074554},{"word":"gonna","start":486.745,"end":487.065,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.07890570163726807},{"word":"be","start":487.065,"end":487.565,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0699339509010315},{"word":"altering","start":487.865,"end":488.365,"confidence":0.9941406,"punctuated_word":"altering","sentiment":"neutral","sentiment_score":0.06388485431671143},{"word":"and","start":488.425,"end":488.66498,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02113299071788788},{"word":"removing","start":488.66498,"end":489.16498,"confidence":1.0,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":0.02880924940109253},{"word":"the","start":489.225,"end":489.465,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.006722651422023773},{"word":"raffy","start":489.465,"end":489.865,"confidence":0.9946289,"punctuated_word":"Raffy","sentiment":"neutral","sentiment_score":0.01880086213350296},{"word":"200","start":489.865,"end":490.425,"confidence":0.9980469,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.04290788620710373},{"word":"there","start":490.425,"end":490.66498,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.13100484013557434},{"word":"as","start":490.66498,"end":490.82498,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.19488199055194855},{"word":"well","start":490.82498,"end":491.145,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.24781233072280884},{"word":"for","start":491.145,"end":491.305,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16884763538837433},{"word":"you","start":491.305,"end":491.805,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.14559988677501678},{"word":"purchasing","start":492.62,"end":493.12,"confidence":0.9975586,"punctuated_word":"Purchasing","sentiment":"neutral","sentiment_score":0.2760505676269531},{"word":"into","start":493.18,"end":493.5,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.17566242814064026},{"word":"europe","start":493.5,"end":493.9,"confidence":0.8808594,"punctuated_word":"Europe,","sentiment":"neutral","sentiment_score":0.17725658416748047},{"word":"the","start":493.9,"end":493.98,"confidence":0.73046875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.32448577880859375},{"word":"european","start":493.98,"end":494.46002,"confidence":0.9941406,"punctuated_word":"European","sentiment":"neutral","sentiment_score":0.1912924498319626},{"word":"exposure","start":494.46002,"end":494.86002,"confidence":0.9716797,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.12579941749572754},{"word":"is","start":494.86002,"end":495.02002,"confidence":0.96533203,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.272780179977417},{"word":"a","start":495.02002,"end":495.1,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3716401159763336},{"word":"great","start":495.1,"end":495.34,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.5003003478050232},{"word":"place","start":495.34,"end":495.58002,"confidence":1.0,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.3310004472732544},{"word":"to","start":495.58002,"end":495.66,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3705484271049499},{"word":"be","start":495.66,"end":495.82,"confidence":0.8720703,"punctuated_word":"be,","sentiment":"positive","sentiment_score":0.3972432017326355},{"word":"and","start":495.82,"end":495.90002,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.37063589692115784},{"word":"the","start":495.90002,"end":495.98,"confidence":0.9902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4279764890670776},{"word":"ishares","start":495.98,"end":496.48,"confidence":0.8769531,"punctuated_word":"iShares","sentiment":"positive","sentiment_score":0.35923731327056885},{"word":"europe","start":496.7,"end":497.1,"confidence":0.8852539,"punctuated_word":"Europe","sentiment":"neutral","sentiment_score":0.31153568625450134},{"word":"investment","start":497.1,"end":497.6,"confidence":0.8491211,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.27073991298675537},{"word":"gives","start":497.9,"end":498.14,"confidence":0.84765625,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.2093247026205063},{"word":"you","start":498.14,"end":498.30002,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2397773414850235},{"word":"exposure","start":498.30002,"end":498.78,"confidence":0.9970703,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.1770506501197815},{"word":"to","start":498.78,"end":498.94,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2578681707382202},{"word":"all","start":498.94,"end":499.18,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.22692272067070007},{"word":"the","start":499.18,"end":499.34,"confidence":0.9248047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1975785791873932},{"word":"european","start":499.34,"end":499.84,"confidence":0.9980469,"punctuated_word":"European","sentiment":"neutral","sentiment_score":0.1618608832359314},{"word":"companies","start":499.9,"end":500.4,"confidence":0.98535156,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.1627286672592163},{"word":"sorry","start":500.62,"end":500.86002,"confidence":0.7944336,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":0.16142070293426514},{"word":"countries","start":500.86002,"end":501.36002,"confidence":0.9951172,"punctuated_word":"countries","sentiment":"neutral","sentiment_score":0.16566407680511477},{"word":"and","start":501.66,"end":501.82,"confidence":0.8198242,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21621307730674744},{"word":"all","start":501.82,"end":501.98,"confidence":0.59277344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.21273186802864075},{"word":"the","start":501.98,"end":502.14,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17195528745651245},{"word":"companies","start":502.14,"end":502.62,"confidence":0.9951172,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.16092674434185028},{"word":"within","start":502.62,"end":503.02002,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.13862517476081848},{"word":"that","start":503.02002,"end":503.26,"confidence":0.95947266,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21106629073619845},{"word":"on","start":503.26,"end":503.34,"confidence":0.62939453,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.18440473079681396},{"word":"the","start":503.34,"end":503.84,"confidence":0.8720703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21307700872421265},{"word":"exchanges","start":503.9,"end":504.4,"confidence":0.67370605,"punctuated_word":"exchanges.","sentiment":"neutral","sentiment_score":0.15625305473804474},{"word":"and","start":505.155,"end":505.315,"confidence":0.9506836,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10923399031162262},{"word":"also","start":505.315,"end":505.795,"confidence":0.70996094,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0682624876499176},{"word":"the","start":505.795,"end":506.195,"confidence":0.9741211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1298363208770752},{"word":"japan","start":506.195,"end":506.595,"confidence":0.967041,"punctuated_word":"Japan.","sentiment":"neutral","sentiment_score":0.12039344012737274},{"word":"so","start":506.595,"end":506.83502,"confidence":0.7578125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.28477543592453003},{"word":"japan","start":506.83502,"end":507.23502,"confidence":0.99902344,"punctuated_word":"Japan","sentiment":"positive","sentiment_score":0.35218530893325806},{"word":"has","start":507.23502,"end":507.475,"confidence":0.9941406,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.431039422750473},{"word":"seen","start":507.475,"end":507.715,"confidence":0.95410156,"punctuated_word":"seen","sentiment":"positive","sentiment_score":0.4027439653873443},{"word":"some","start":507.715,"end":507.875,"confidence":1.0,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.4562186300754547},{"word":"great","start":507.875,"end":508.035,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.5838005542755127},{"word":"growth","start":508.035,"end":508.355,"confidence":0.9321289,"punctuated_word":"growth.","sentiment":"positive","sentiment_score":0.4938547611236572},{"word":"it","start":508.355,"end":508.435,"confidence":0.9970703,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.5709676146507263},{"word":"is","start":508.435,"end":508.515,"confidence":0.93408203,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5780015587806702},{"word":"a","start":508.515,"end":508.67502,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6773467063903809},{"word":"great","start":508.67502,"end":508.83502,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.6903222799301147},{"word":"place","start":508.83502,"end":509.075,"confidence":0.9951172,"punctuated_word":"place","sentiment":"positive","sentiment_score":0.5985887050628662},{"word":"to","start":509.075,"end":509.155,"confidence":0.97802734,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6657983660697937},{"word":"be","start":509.155,"end":509.315,"confidence":0.99316406,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.7119495868682861},{"word":"invested","start":509.315,"end":509.715,"confidence":0.99316406,"punctuated_word":"invested","sentiment":"positive","sentiment_score":0.567538857460022},{"word":"at","start":509.715,"end":509.875,"confidence":0.9980469,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.6231271028518677},{"word":"the","start":509.875,"end":510.035,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6727330684661865},{"word":"moment","start":510.035,"end":510.355,"confidence":0.7709961,"punctuated_word":"moment,","sentiment":"positive","sentiment_score":0.6689640283584595},{"word":"and","start":510.355,"end":510.515,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5271119475364685},{"word":"it's","start":510.515,"end":510.67502,"confidence":0.91748047,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.5910992622375488},{"word":"giving","start":510.67502,"end":510.995,"confidence":0.99902344,"punctuated_word":"giving","sentiment":"positive","sentiment_score":0.5667402744293213},{"word":"you","start":510.995,"end":511.23502,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6522423624992371},{"word":"some","start":511.23502,"end":511.715,"confidence":0.99902344,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.5469209551811218},{"word":"diversification","start":511.715,"end":512.21497,"confidence":0.9970703,"punctuated_word":"diversification.","sentiment":"positive","sentiment_score":0.5001883506774902},{"word":"and","start":513.235,"end":513.47504,"confidence":1.0,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3475218117237091},{"word":"on","start":513.47504,"end":513.635,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.272100031375885},{"word":"the","start":513.635,"end":514.115,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2493547350168228},{"word":"point","start":514.115,"end":514.435,"confidence":0.9770508,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.32818764448165894},{"word":"of","start":514.435,"end":514.59503,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3146604299545288},{"word":"diversification","start":514.59503,"end":515.09503,"confidence":0.99869794,"punctuated_word":"diversification,","sentiment":"neutral","sentiment_score":0.22081223130226135},{"word":"making","start":515.555,"end":515.875,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.2840524911880493},{"word":"sure","start":515.875,"end":516.03503,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.28144675493240356},{"word":"that","start":516.03503,"end":516.195,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3250555694103241},{"word":"we're","start":516.195,"end":516.355,"confidence":0.99853516,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.39414677023887634},{"word":"diversifying","start":516.355,"end":516.855,"confidence":1.0,"punctuated_word":"diversifying","sentiment":"neutral","sentiment_score":0.2947961688041687},{"word":"across","start":517.155,"end":517.555,"confidence":0.9404297,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.31427377462387085},{"word":"across","start":517.555,"end":518.03503,"confidence":0.9301758,"punctuated_word":"across","sentiment":"positive","sentiment_score":0.33447858691215515},{"word":"as","start":518.03503,"end":518.195,"confidence":0.9951172,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.34560567140579224},{"word":"many","start":518.195,"end":518.695,"confidence":1.0,"punctuated_word":"many","sentiment":"positive","sentiment_score":0.3353971838951111},{"word":"countries","start":518.91504,"end":519.315,"confidence":0.5620117,"punctuated_word":"countries","sentiment":"neutral","sentiment_score":0.21062153577804563},{"word":"as","start":519.315,"end":519.635,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3613876402378082},{"word":"possible","start":519.635,"end":520.135,"confidence":1.0,"punctuated_word":"possible","sentiment":"positive","sentiment_score":0.371742308139801},{"word":"as","start":520.55,"end":520.70996,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.33591949939727783},{"word":"diversification","start":520.70996,"end":521.20996,"confidence":0.99658203,"punctuated_word":"diversification","sentiment":"neutral","sentiment_score":0.3224942982196808},{"word":"is","start":521.50995,"end":521.67,"confidence":0.97314453,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.424567848443985},{"word":"one","start":521.67,"end":521.82996,"confidence":1.0,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.4542200565338135},{"word":"of","start":521.82996,"end":521.91,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4416388869285583},{"word":"the","start":521.91,"end":522.06995,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4128262102603912},{"word":"best","start":522.06995,"end":522.23,"confidence":1.0,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.4104280471801758},{"word":"ways","start":522.23,"end":522.47,"confidence":0.9941406,"punctuated_word":"ways","sentiment":"positive","sentiment_score":0.4044817090034485},{"word":"to","start":522.47,"end":522.62994,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4601294696331024},{"word":"mitigate","start":522.62994,"end":523.12994,"confidence":1.0,"punctuated_word":"mitigate","sentiment":"neutral","sentiment_score":0.25726205110549927},{"word":"market","start":523.18994,"end":523.50995,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.002521619200706482},{"word":"risk","start":523.50995,"end":524.00995,"confidence":0.92041016,"punctuated_word":"risk.","sentiment":"neutral","sentiment_score":0.035557202994823456},{"word":"we'll","start":524.38995,"end":524.62994,"confidence":0.9975586,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.023758869618177417},{"word":"be","start":524.62994,"end":524.79,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03276435285806656},{"word":"adding","start":524.79,"end":525.02997,"confidence":1.0,"punctuated_word":"adding","sentiment":"neutral","sentiment_score":0.030834941193461415},{"word":"in","start":525.02997,"end":525.18994,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.017680304124951363},{"word":"the","start":525.18994,"end":525.35,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02757737785577774},{"word":"vanguard","start":525.35,"end":525.85,"confidence":0.98291016,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.01696256548166275},{"word":"all","start":525.99,"end":526.23,"confidence":0.36889648,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.01950785890221596},{"word":"world","start":526.23,"end":526.73,"confidence":0.91845703,"punctuated_word":"world","sentiment":"neutral","sentiment_score":0.015748877078294754},{"word":"excluding","start":526.87,"end":527.37,"confidence":0.8354492,"punctuated_word":"excluding","sentiment":"neutral","sentiment_score":0.01341357920318842},{"word":"the","start":527.43,"end":527.75,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.0066305045038461685},{"word":"us","start":527.75,"end":528.14996,"confidence":0.8095703,"punctuated_word":"US,","sentiment":"neutral","sentiment_score":-0.003089379519224167},{"word":"and","start":528.14996,"end":528.31,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.00947596039623022},{"word":"we're","start":528.31,"end":528.47,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.0066479831002652645},{"word":"excluding","start":528.47,"end":528.87,"confidence":0.99902344,"punctuated_word":"excluding","sentiment":"neutral","sentiment_score":0.0013956371694803238},{"word":"the","start":528.87,"end":529.11,"confidence":0.9980469,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.01259056944400072},{"word":"us","start":529.11,"end":529.35,"confidence":1.0,"punctuated_word":"US","sentiment":"neutral","sentiment_score":-0.025478538125753403},{"word":"from","start":529.35,"end":529.50995,"confidence":0.9970703,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.006527557969093323},{"word":"this","start":529.50995,"end":529.75,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.01904170773923397},{"word":"investment","start":529.75,"end":530.25,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.000635143369436264},{"word":"because","start":530.31,"end":530.81,"confidence":0.97314453,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.007517319172620773},{"word":"you","start":530.94995,"end":531.11,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027856871485710144},{"word":"have","start":531.11,"end":531.35,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.027840550988912582},{"word":"the","start":531.35,"end":531.67,"confidence":0.8833008,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.026164207607507706},{"word":"s","start":531.67,"end":531.82996,"confidence":0.7495117,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.015308874659240246},{"word":"and","start":531.82996,"end":531.99,"confidence":0.94921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.017786690965294838},{"word":"p","start":531.99,"end":532.31,"confidence":0.99902344,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.01788710243999958},{"word":"500","start":532.31,"end":532.87,"confidence":1.0,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.03486103564500809},{"word":"in","start":532.87,"end":533.02997,"confidence":0.9892578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.030169781297445297},{"word":"there","start":533.02997,"end":533.11,"confidence":0.86035156,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.037321850657463074},{"word":"so","start":533.11,"end":533.18994,"confidence":0.8388672,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02789892442524433},{"word":"i","start":533.18994,"end":533.35,"confidence":0.38623047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.017723707482218742},{"word":"don't","start":533.35,"end":533.50995,"confidence":0.9970703,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.022535018622875217},{"word":"wanna","start":533.50995,"end":533.75,"confidence":0.96875,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.01581484265625477},{"word":"be","start":533.75,"end":533.91,"confidence":0.98535156,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.01676264964044094},{"word":"overexposed","start":533.91,"end":534.41,"confidence":0.9641927,"punctuated_word":"overexposed","sentiment":"neutral","sentiment_score":-0.009880549274384975},{"word":"to","start":534.55,"end":534.62994,"confidence":0.5932617,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04160690680146217},{"word":"anywhere","start":534.62994,"end":535.02997,"confidence":0.9194336,"punctuated_word":"anywhere","sentiment":"neutral","sentiment_score":0.05839713662862778},{"word":"particular","start":535.02997,"end":535.52997,"confidence":0.6687012,"punctuated_word":"particular,","sentiment":"neutral","sentiment_score":0.025085292756557465},{"word":"but","start":536.115,"end":536.275,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.13921141624450684},{"word":"this","start":536.275,"end":536.515,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.21292391419410703},{"word":"investment","start":536.515,"end":536.915,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.15269231796264648},{"word":"is","start":536.915,"end":537.155,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.22316810488700867},{"word":"giving","start":537.155,"end":537.395,"confidence":0.9970703,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.2166064828634262},{"word":"you","start":537.395,"end":537.635,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2243908941745758},{"word":"worldwide","start":537.635,"end":538.135,"confidence":0.97998047,"punctuated_word":"worldwide","sentiment":"neutral","sentiment_score":0.20691238343715668},{"word":"expo","start":538.195,"end":538.595,"confidence":0.63220215,"punctuated_word":"expo","sentiment":"neutral","sentiment_score":0.23515957593917847},{"word":"exposure","start":538.995,"end":539.395,"confidence":0.9873047,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.222565695643425},{"word":"to","start":539.395,"end":539.555,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2698861062526703},{"word":"all","start":539.555,"end":539.715,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2238097786903381},{"word":"the","start":539.715,"end":539.875,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20838916301727295},{"word":"countries","start":539.875,"end":540.355,"confidence":0.9951172,"punctuated_word":"countries,","sentiment":"neutral","sentiment_score":0.2397345006465912},{"word":"all","start":540.355,"end":540.515,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.30056288838386536},{"word":"the","start":540.515,"end":540.595,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24122267961502075},{"word":"different","start":540.595,"end":540.915,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.20037615299224856},{"word":"exchanges","start":540.915,"end":541.415,"confidence":0.7849121,"punctuated_word":"exchanges,","sentiment":"neutral","sentiment_score":0.24360594153404236},{"word":"and","start":541.475,"end":541.795,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26145023107528687},{"word":"the","start":541.795,"end":542.035,"confidence":0.9560547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2477844804525375},{"word":"top","start":542.035,"end":542.355,"confidence":0.9970703,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.1872851550579071},{"word":"investments","start":542.355,"end":542.755,"confidence":0.9741211,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.17588011920452118},{"word":"in","start":542.755,"end":542.915,"confidence":0.96777344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.24178050458431244},{"word":"those","start":542.915,"end":543.075,"confidence":0.98535156,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.25873228907585144},{"word":"sorts","start":543.075,"end":543.315,"confidence":0.5917969,"punctuated_word":"sorts","sentiment":"neutral","sentiment_score":0.1671832948923111},{"word":"of","start":543.315,"end":543.475,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2138705849647522},{"word":"exchanges","start":543.475,"end":543.975,"confidence":0.85961914,"punctuated_word":"exchanges.","sentiment":"neutral","sentiment_score":0.16308751702308655},{"word":"so","start":544.035,"end":544.355,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11082588881254196},{"word":"looking","start":544.355,"end":544.675,"confidence":0.83984375,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.1089259758591652},{"word":"at","start":544.675,"end":544.915,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0964627042412758},{"word":"existing","start":544.915,"end":545.415,"confidence":0.9838867,"punctuated_word":"existing","sentiment":"neutral","sentiment_score":0.11914229393005372},{"word":"markets","start":545.475,"end":545.875,"confidence":0.92822266,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":0.08513578027486801},{"word":"as","start":545.875,"end":546.035,"confidence":0.9370117,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12737023830413818},{"word":"well","start":546.035,"end":546.275,"confidence":0.9980469,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.14311164617538452},{"word":"as","start":546.275,"end":546.515,"confidence":0.9790039,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15190841257572174},{"word":"up","start":546.515,"end":546.595,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1336621344089508},{"word":"and","start":546.595,"end":546.835,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10765175521373747},{"word":"coming","start":546.835,"end":547.155,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.14123733341693878},{"word":"there","start":547.155,"end":547.315,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.20886453986167908},{"word":"as","start":547.315,"end":547.475,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18176281452178955},{"word":"well","start":547.475,"end":547.89,"confidence":0.8376465,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.1164175495505333},{"word":"this","start":548.13,"end":548.37,"confidence":1.0,"punctuated_word":"This","sentiment":"positive","sentiment_score":0.4306487739086151},{"word":"investment","start":548.37,"end":548.85004,"confidence":1.0,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.4640144407749176},{"word":"has","start":548.85004,"end":549.17004,"confidence":1.0,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.6829395294189453},{"word":"done","start":549.17004,"end":549.41003,"confidence":0.9980469,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.735678493976593},{"word":"very","start":549.41003,"end":549.65,"confidence":0.9785156,"punctuated_word":"very,","sentiment":"positive","sentiment_score":0.7027322053909302},{"word":"very","start":549.65,"end":549.97003,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.759345531463623},{"word":"well","start":549.97003,"end":550.21,"confidence":0.96972656,"punctuated_word":"well,","sentiment":"positive","sentiment_score":0.7505066394805908},{"word":"and","start":550.21,"end":550.45,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5882514119148254},{"word":"it's","start":550.45,"end":550.61,"confidence":1.0,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.6616888046264648},{"word":"about","start":550.61,"end":551.01,"confidence":1.0,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.5710811018943787},{"word":"making","start":551.01,"end":551.33,"confidence":1.0,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.6418007016181946},{"word":"sure","start":551.33,"end":551.65,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.6396046280860901},{"word":"that","start":551.65,"end":552.15,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5686947107315063},{"word":"we're","start":552.21,"end":552.71,"confidence":0.9980469,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.5251416563987732},{"word":"minimizing","start":552.85004,"end":553.35004,"confidence":0.99902344,"punctuated_word":"minimizing","sentiment":"positive","sentiment_score":0.3860563337802887},{"word":"as","start":553.81,"end":553.97003,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.31305891275405884},{"word":"much","start":553.97003,"end":554.29004,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.2007620483636856},{"word":"risk","start":554.29004,"end":554.45,"confidence":0.99316406,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.18400229513645172},{"word":"as","start":554.45,"end":554.69,"confidence":0.99902344,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3770151138305664},{"word":"we","start":554.69,"end":554.85004,"confidence":0.9951172,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4882718324661255},{"word":"possibly","start":554.85004,"end":555.33,"confidence":0.9980469,"punctuated_word":"possibly","sentiment":"positive","sentiment_score":0.46527332067489624},{"word":"can","start":555.33,"end":555.49,"confidence":0.9941406,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4810936748981476},{"word":"within","start":555.49,"end":555.81,"confidence":0.99902344,"punctuated_word":"within","sentiment":"positive","sentiment_score":0.3784547448158264},{"word":"the","start":555.81,"end":555.97003,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4745875597000122},{"word":"market","start":555.97003,"end":556.37,"confidence":0.9614258,"punctuated_word":"market","sentiment":"positive","sentiment_score":0.46280670166015625},{"word":"there","start":556.37,"end":556.61,"confidence":0.7043457,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.5295717120170593},{"word":"and","start":556.61,"end":556.77,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2661929130554199},{"word":"as","start":556.77,"end":556.93,"confidence":0.94384766,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2327081263065338},{"word":"i","start":556.93,"end":557.09,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2706943154335022},{"word":"mentioned","start":557.09,"end":557.41003,"confidence":0.9970703,"punctuated_word":"mentioned,","sentiment":"neutral","sentiment_score":0.29087886214256287},{"word":"diversification","start":557.41003,"end":557.91003,"confidence":0.9980469,"punctuated_word":"diversification","sentiment":"neutral","sentiment_score":0.3212469220161438},{"word":"is","start":558.05,"end":558.21,"confidence":0.7285156,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.28106489777565},{"word":"one","start":558.21,"end":558.45,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.26889604330062866},{"word":"of","start":558.45,"end":558.53,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.273492693901062},{"word":"the","start":558.53,"end":558.61,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26806747913360596},{"word":"best","start":558.61,"end":558.85004,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.2641608417034149},{"word":"ways","start":558.85004,"end":559.17004,"confidence":0.9614258,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":0.2826634645462036},{"word":"to","start":559.17004,"end":559.25,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3030718266963959},{"word":"do","start":559.25,"end":559.41003,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.33799484372138977},{"word":"that","start":559.41003,"end":559.65,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3327135443687439},{"word":"for","start":559.65,"end":559.89,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3001790940761566},{"word":"you","start":559.89,"end":560.39,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.25398367643356323},{"word":"okay","start":560.45,"end":560.85004,"confidence":0.9470215,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.16189631819725037},{"word":"so","start":560.85004,"end":561.01,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15510378777980804},{"word":"you'll","start":561.01,"end":561.25,"confidence":1.0,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.18009053170681},{"word":"see","start":561.25,"end":561.49,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1554010510444641},{"word":"8%","start":561.49,"end":562.05,"confidence":0.9995117,"punctuated_word":"8%","sentiment":"neutral","sentiment_score":0.1696130335330963},{"word":"invested","start":562.05,"end":562.53,"confidence":0.97314453,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.13177275657653809},{"word":"there","start":562.53,"end":562.77,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1836751252412796},{"word":"in","start":562.77,"end":562.85004,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1881253719329834},{"word":"that","start":562.85004,"end":563.09,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16887013614177704},{"word":"investment","start":563.09,"end":563.59,"confidence":0.7883301,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.13502921164035797},{"word":"and","start":564.105,"end":564.265,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11430225521326064},{"word":"then","start":564.265,"end":564.345,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10197649896144868},{"word":"also","start":564.345,"end":564.745,"confidence":0.6791992,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0991026759147644},{"word":"the","start":564.745,"end":564.90497,"confidence":0.9116211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12059004604816435},{"word":"beta","start":564.90497,"end":565.225,"confidence":0.8857422,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.13088293373584747},{"word":"shares","start":565.225,"end":565.545,"confidence":0.8364258,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.12134334444999696},{"word":"a","start":565.545,"end":565.785,"confidence":0.7963867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09718279540538788},{"word":"200","start":565.785,"end":566.52496,"confidence":0.9793701,"punctuated_word":"200,","sentiment":"neutral","sentiment_score":0.09357665479183196},{"word":"and","start":566.745,"end":566.90497,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08426807820796967},{"word":"that's","start":566.90497,"end":567.225,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0973471626639366},{"word":"replacing","start":567.225,"end":567.705,"confidence":0.97509766,"punctuated_word":"replacing","sentiment":"neutral","sentiment_score":0.08145160228013992},{"word":"the","start":567.705,"end":567.865,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12227478623390198},{"word":"bannalong","start":567.865,"end":568.365,"confidence":0.65152997,"punctuated_word":"Bannalong","sentiment":"neutral","sentiment_score":0.0870576724410057},{"word":"australian","start":568.425,"end":568.825,"confidence":0.9941406,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.09899337589740752},{"word":"equities","start":568.825,"end":569.325,"confidence":0.9145508,"punctuated_word":"Equities","sentiment":"neutral","sentiment_score":0.09206114709377287},{"word":"and","start":569.945,"end":570.185,"confidence":0.65063477,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.15296313166618347},{"word":"again","start":570.185,"end":570.505,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.1933535933494568},{"word":"giving","start":570.505,"end":570.745,"confidence":1.0,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.182791531085968},{"word":"you","start":570.745,"end":570.90497,"confidence":0.98291016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2370457947254181},{"word":"greater","start":570.90497,"end":571.225,"confidence":0.66845703,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.15153947472572327},{"word":"diversification","start":571.225,"end":571.725,"confidence":0.96240234,"punctuated_word":"diversification.","sentiment":"neutral","sentiment_score":0.18802553415298465},{"word":"so","start":572.185,"end":572.345,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10581441223621368},{"word":"with","start":572.345,"end":572.665,"confidence":0.9667969,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10836629569530488},{"word":"bannalong","start":572.665,"end":573.165,"confidence":0.998291,"punctuated_word":"Bannalong,","sentiment":"neutral","sentiment_score":0.09974423795938492},{"word":"they","start":573.705,"end":574.02496,"confidence":0.66064453,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.12760092318058014},{"word":"essentially","start":574.02496,"end":574.505,"confidence":0.9951172,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.08884432911872864},{"word":"invested","start":574.505,"end":574.985,"confidence":0.9970703,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.08800682425498962},{"word":"anywhere","start":574.985,"end":575.46497,"confidence":0.9970703,"punctuated_word":"anywhere","sentiment":"neutral","sentiment_score":0.1212221533060074},{"word":"between","start":575.46497,"end":575.865,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.08461298793554306},{"word":"15","start":575.865,"end":576.345,"confidence":0.9970703,"punctuated_word":"15","sentiment":"neutral","sentiment_score":0.12736767530441284},{"word":"to","start":576.345,"end":576.505,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0920102596282959},{"word":"35","start":576.505,"end":576.985,"confidence":1.0,"punctuated_word":"35","sentiment":"neutral","sentiment_score":0.1129460409283638},{"word":"different","start":576.985,"end":577.385,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.06916112452745438},{"word":"investment","start":577.385,"end":577.865,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.03770200163125992},{"word":"options","start":577.865,"end":578.365,"confidence":0.99902344,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.06287286430597305},{"word":"depending","start":578.58997,"end":578.91,"confidence":1.0,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":0.08537537604570389},{"word":"on","start":578.91,"end":578.99,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08196215331554413},{"word":"what","start":578.99,"end":579.23,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08603532612323761},{"word":"they","start":579.23,"end":579.39,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.08440002799034119},{"word":"had","start":579.39,"end":579.55,"confidence":0.9980469,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.07729263603687286},{"word":"in","start":579.55,"end":579.71,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.054143644869327545},{"word":"their","start":579.71,"end":580.21,"confidence":0.93408203,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.07623691856861115},{"word":"investment","start":580.35,"end":580.85,"confidence":0.8774414,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.0448625311255455},{"word":"at","start":580.99,"end":581.23,"confidence":0.90771484,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0528462752699852},{"word":"at","start":581.23,"end":581.73,"confidence":0.50634766,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06515102088451385},{"word":"that","start":581.87,"end":582.19,"confidence":0.8354492,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10021408647298811},{"word":"particular","start":582.19,"end":582.67,"confidence":0.9941406,"punctuated_word":"particular","sentiment":"neutral","sentiment_score":0.10124506056308746},{"word":"time","start":582.67,"end":583.17,"confidence":0.9885254,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.08834622800350189},{"word":"with","start":583.31,"end":583.55,"confidence":0.99902344,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.13166208565235138},{"word":"the","start":583.55,"end":583.71,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13420119881629944},{"word":"betashares","start":583.71,"end":584.21,"confidence":0.75219727,"punctuated_word":"BetaShares","sentiment":"neutral","sentiment_score":0.12973342835903168},{"word":"a","start":584.35,"end":584.51,"confidence":0.9580078,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1542019248008728},{"word":"200","start":584.51,"end":585.23,"confidence":0.998291,"punctuated_word":"200,","sentiment":"neutral","sentiment_score":0.13982608914375305},{"word":"you're","start":585.23,"end":585.39,"confidence":0.9748535,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.13997869193553925},{"word":"actually","start":585.39,"end":585.89,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.14440804719924927},{"word":"exposed","start":585.95,"end":586.43,"confidence":0.9091797,"punctuated_word":"exposed","sentiment":"neutral","sentiment_score":0.12422014772891998},{"word":"to","start":586.43,"end":586.83,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15503765642642975},{"word":"the","start":586.83,"end":586.99,"confidence":0.9614258,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16748005151748657},{"word":"top","start":586.99,"end":587.23,"confidence":0.99902344,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.17031215131282806},{"word":"200","start":587.23,"end":587.87,"confidence":1.0,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.18647313117980957},{"word":"companies","start":587.87,"end":588.35,"confidence":0.99902344,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.1399109959602356},{"word":"on","start":588.35,"end":588.51,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15144602954387665},{"word":"the","start":588.51,"end":588.83,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1674131453037262},{"word":"asx","start":588.83,"end":589.31,"confidence":0.9626465,"punctuated_word":"ASX","sentiment":"neutral","sentiment_score":0.15679478645324707},{"word":"there","start":589.31,"end":589.55,"confidence":0.62231445,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.16886281967163086},{"word":"so","start":589.55,"end":589.79,"confidence":0.99316406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1315714418888092},{"word":"greater","start":589.79,"end":590.11,"confidence":0.81933594,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.17212814092636108},{"word":"diversification","start":590.11,"end":590.61,"confidence":0.9967448,"punctuated_word":"diversification.","sentiment":"neutral","sentiment_score":0.1803954690694809},{"word":"this","start":591.685,"end":591.765,"confidence":0.8730469,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.16930627822875977},{"word":"is","start":591.765,"end":591.845,"confidence":0.98095703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14502455294132233},{"word":"also","start":591.845,"end":592.165,"confidence":0.98828125,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1826702207326889},{"word":"a","start":592.165,"end":592.32495,"confidence":0.98291016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20940500497817993},{"word":"passively","start":592.32495,"end":592.805,"confidence":0.9980469,"punctuated_word":"passively","sentiment":"neutral","sentiment_score":0.21596601605415344},{"word":"managed","start":592.805,"end":593.125,"confidence":0.9980469,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.27142956852912903},{"word":"fund","start":593.125,"end":593.44495,"confidence":0.84814453,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.17215916514396667},{"word":"whereas","start":593.44495,"end":593.76495,"confidence":0.9980469,"punctuated_word":"whereas","sentiment":"neutral","sentiment_score":0.11783147603273392},{"word":"van","start":593.76495,"end":593.925,"confidence":0.32910156,"punctuated_word":"Van","sentiment":"neutral","sentiment_score":0.14731818437576294},{"word":"alon","start":593.925,"end":594.245,"confidence":0.6035156,"punctuated_word":"Alon","sentiment":"neutral","sentiment_score":0.09991158545017242},{"word":"was","start":594.245,"end":594.40497,"confidence":0.9902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.12622523307800293},{"word":"more","start":594.40497,"end":594.64496,"confidence":0.99609375,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.10363194346427916},{"word":"actively","start":594.64496,"end":595.125,"confidence":1.0,"punctuated_word":"actively","sentiment":"neutral","sentiment_score":0.15962989628314972},{"word":"managed","start":595.125,"end":595.52496,"confidence":0.9477539,"punctuated_word":"managed.","sentiment":"neutral","sentiment_score":0.17366933822631836},{"word":"so","start":595.52496,"end":596.02496,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.30399012565612793},{"word":"it's","start":596.245,"end":596.485,"confidence":0.9812012,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.3956007361412048},{"word":"actually","start":596.485,"end":596.805,"confidence":0.9902344,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.38979974389076233},{"word":"also","start":596.805,"end":597.045,"confidence":0.9707031,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.3784889876842499},{"word":"a","start":597.045,"end":597.20496,"confidence":0.94628906,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.45665985345840454},{"word":"cheaper","start":597.20496,"end":597.685,"confidence":0.99902344,"punctuated_word":"cheaper","sentiment":"positive","sentiment_score":0.47395187616348267},{"word":"investment","start":597.685,"end":598.185,"confidence":0.9902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.28136080503463745},{"word":"to","start":598.245,"end":598.32495,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.43350788950920105},{"word":"have","start":598.32495,"end":598.485,"confidence":0.9970703,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4599978625774383},{"word":"in","start":598.485,"end":598.64496,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.40850579738616943},{"word":"your","start":598.64496,"end":598.88495,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.47880101203918457},{"word":"portfolio","start":598.88495,"end":599.38495,"confidence":0.98583984,"punctuated_word":"portfolio,","sentiment":"positive","sentiment_score":0.4749425351619721},{"word":"which","start":599.44495,"end":599.685,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.45590704679489136},{"word":"is","start":599.685,"end":599.845,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.44656872749328613},{"word":"a","start":599.845,"end":599.925,"confidence":0.99609375,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5280138850212097},{"word":"benefit","start":599.925,"end":600.425,"confidence":1.0,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.49425914883613586},{"word":"to","start":600.485,"end":600.565,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5403091311454773},{"word":"you","start":600.565,"end":600.805,"confidence":0.99609375,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5539122819900513},{"word":"because","start":600.805,"end":601.125,"confidence":0.7285156,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.3597806990146637},{"word":"saving","start":601.125,"end":601.44495,"confidence":0.9970703,"punctuated_word":"saving","sentiment":"positive","sentiment_score":0.4906580448150635},{"word":"on","start":601.44495,"end":601.685,"confidence":0.9980469,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.5574544668197632},{"word":"investment","start":601.685,"end":602.165,"confidence":0.98291016,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.2158566117286682},{"word":"fees","start":602.165,"end":602.665,"confidence":0.98535156,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.4930514991283417},{"word":"leaves","start":602.725,"end":603.045,"confidence":0.76708984,"punctuated_word":"leaves","sentiment":"positive","sentiment_score":0.42135533690452576},{"word":"more","start":603.045,"end":603.285,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.4542587697505951},{"word":"money","start":603.285,"end":603.52496,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.4892835021018982},{"word":"in","start":603.52496,"end":603.685,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5354767441749573},{"word":"your","start":603.685,"end":603.925,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4984910190105438},{"word":"portfolio","start":603.925,"end":604.425,"confidence":0.80908203,"punctuated_word":"portfolio,","sentiment":"positive","sentiment_score":0.4083070158958435},{"word":"working","start":604.565,"end":604.96497,"confidence":1.0,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.5365813374519348},{"word":"harder","start":604.96497,"end":605.365,"confidence":0.9980469,"punctuated_word":"harder","sentiment":"positive","sentiment_score":0.5147120952606201},{"word":"for","start":605.365,"end":605.52496,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5621529221534729},{"word":"you","start":605.52496,"end":605.76495,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4975703060626984},{"word":"as","start":605.76495,"end":605.925,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4863872230052948},{"word":"well","start":605.925,"end":606.165,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.4124028384685517},{"word":"there","start":606.165,"end":606.665,"confidence":0.99609375,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.3538875877857208},{"word":"that's","start":607.19,"end":607.51,"confidence":0.9711914,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.21558693051338196},{"word":"essentially","start":607.51,"end":607.99,"confidence":0.97314453,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.1750354766845703},{"word":"the","start":607.99,"end":608.15,"confidence":0.73291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.209383562207222},{"word":"changes","start":608.15,"end":608.55,"confidence":0.9819336,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.2828313112258911},{"word":"to","start":608.55,"end":608.71,"confidence":0.9472656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26878637075424194},{"word":"the","start":608.71,"end":608.95,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2477317601442337},{"word":"portfolio","start":608.95,"end":609.45,"confidence":0.99560547,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.18415960669517517},{"word":"i","start":609.51,"end":609.75,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16762104630470276},{"word":"try","start":609.75,"end":609.91,"confidence":0.91845703,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.2198892831802368},{"word":"to","start":609.91,"end":610.07,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20641832053661344},{"word":"go","start":610.07,"end":610.23,"confidence":0.9921875,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.22943952679634097},{"word":"a","start":610.23,"end":610.31,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2161821722984314},{"word":"little","start":610.31,"end":610.47,"confidence":0.9970703,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.17977935075759888},{"word":"bit","start":610.47,"end":610.63,"confidence":0.9941406,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.17796647548675537},{"word":"easier","start":610.63,"end":610.95,"confidence":0.9980469,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.247246578335762},{"word":"on","start":610.95,"end":611.11,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.33951032161712646},{"word":"those","start":611.11,"end":611.35,"confidence":0.76586914,"punctuated_word":"those.","sentiment":"neutral","sentiment_score":0.20050126314163208},{"word":"but","start":611.35,"end":611.58997,"confidence":0.97314453,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.07509604096412659},{"word":"do","start":611.58997,"end":611.67,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03040772490203381},{"word":"you","start":611.67,"end":611.83,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05959934741258621},{"word":"have","start":611.83,"end":611.99,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04386527836322784},{"word":"any","start":611.99,"end":612.23,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.030404284596443176},{"word":"questions","start":612.23,"end":612.63,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.02582971565425396},{"word":"about","start":612.63,"end":612.79,"confidence":0.7519531,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.019990360364317897},{"word":"any","start":612.79,"end":613.02997,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.027249667793512344},{"word":"of","start":613.02997,"end":613.27,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.040723007172346115},{"word":"them","start":613.27,"end":613.51,"confidence":0.9951172,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.04357466474175453},{"word":"specifically","start":613.51,"end":614.01,"confidence":0.9658203,"punctuated_word":"specifically","sentiment":"neutral","sentiment_score":0.05020640417933464},{"word":"or","start":614.31,"end":614.47,"confidence":0.78515625,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.048443976789712906},{"word":"any","start":614.47,"end":614.71,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.034883759915828705},{"word":"questions","start":614.71,"end":615.11,"confidence":0.9970703,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.030420230701565742},{"word":"about","start":615.11,"end":615.35,"confidence":0.90527344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0303599014878273},{"word":"that","start":615.35,"end":615.51,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04606239125132561},{"word":"so","start":615.51,"end":615.67,"confidence":0.9614258,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03204086795449257},{"word":"far","start":615.67,"end":616.17,"confidence":0.99902344,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.040934715420007706},{"word":"no","start":617.99,"end":618.31,"confidence":0.8547363,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.008002273738384247},{"word":"beautiful","start":618.31,"end":618.81,"confidence":0.99902344,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.1912698745727539},{"word":"essentially","start":620.075,"end":620.395,"confidence":0.97509766,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.038316261023283005},{"word":"the","start":620.395,"end":620.55505,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.074276402592659},{"word":"next","start":620.55505,"end":620.79504,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.07982956618070602},{"word":"page","start":620.79504,"end":621.11505,"confidence":0.99609375,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.08573593944311142},{"word":"outline","start":621.11505,"end":621.435,"confidence":0.4177246,"punctuated_word":"outline","sentiment":"neutral","sentiment_score":0.09395183622837068},{"word":"there","start":621.435,"end":621.67505,"confidence":0.3095703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.040525078773498535},{"word":"that","start":621.67505,"end":621.755,"confidence":0.984375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07061754167079926},{"word":"we'll","start":621.755,"end":621.995,"confidence":0.8339844,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.06690724194049835},{"word":"still","start":621.995,"end":622.155,"confidence":0.9970703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.0982082337141037},{"word":"keep","start":622.155,"end":622.395,"confidence":0.98291016,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.08950923383235931},{"word":"cash","start":622.395,"end":622.635,"confidence":0.99609375,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.11059267818927764},{"word":"in","start":622.635,"end":622.79504,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06831979006528854},{"word":"your","start":622.79504,"end":623.03503,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07715913653373718},{"word":"account","start":623.03503,"end":623.515,"confidence":0.9160156,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.061829596757888794},{"word":"we","start":623.515,"end":623.67505,"confidence":0.67822266,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.08478975296020508},{"word":"do","start":623.67505,"end":623.835,"confidence":0.9902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06456726044416428},{"word":"need","start":623.835,"end":623.995,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.12405805289745332},{"word":"to","start":623.995,"end":624.075,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09453267604112624},{"word":"keep","start":624.075,"end":624.395,"confidence":0.9941406,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.12079675495624542},{"word":"1.25%","start":624.395,"end":625.515,"confidence":0.9880859,"punctuated_word":"1.25%","sentiment":"neutral","sentiment_score":0.11309581995010376},{"word":"cash","start":625.515,"end":625.755,"confidence":0.9980469,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.16010472178459167},{"word":"in","start":625.755,"end":625.91504,"confidence":0.98828125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15303577482700348},{"word":"the","start":625.91504,"end":626.075,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13501425087451935},{"word":"hub","start":626.075,"end":626.315,"confidence":0.7602539,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.10631632804870604},{"word":"twenty","start":626.315,"end":626.635,"confidence":0.99902344,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.09724660217761992},{"word":"four","start":626.635,"end":627.135,"confidence":0.9980469,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.08387189358472824},{"word":"cash","start":627.67505,"end":627.995,"confidence":0.9038086,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.12658102810382843},{"word":"account","start":627.995,"end":628.395,"confidence":0.97998047,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.10913632810115814},{"word":"there","start":628.395,"end":628.635,"confidence":0.98535156,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1410183161497116},{"word":"for","start":628.635,"end":628.79504,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17029455304145813},{"word":"you","start":628.79504,"end":629.29504,"confidence":0.97753906,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.13302211463451383},{"word":"and","start":629.91504,"end":630.075,"confidence":0.98828125,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08552329242229462},{"word":"if","start":630.075,"end":630.23505,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10769902914762496},{"word":"you","start":630.23505,"end":630.315,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10127513110637663},{"word":"can","start":630.315,"end":630.55505,"confidence":0.9013672,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08435195684432983},{"word":"get","start":630.55505,"end":630.715,"confidence":0.88183594,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.10294477641582488},{"word":"on","start":630.715,"end":630.875,"confidence":0.55078125,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09522362053394318},{"word":"the","start":630.875,"end":631.03503,"confidence":0.7944336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1025148332118988},{"word":"page","start":631.03503,"end":631.35504,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.09132181107997894},{"word":"number","start":631.35504,"end":631.755,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.13864490389823914},{"word":"20","start":631.755,"end":632.155,"confidence":1.0,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.14535729587078094},{"word":"for","start":632.155,"end":632.315,"confidence":0.99121094,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1314246505498886},{"word":"me","start":632.315,"end":632.47504,"confidence":0.98168945,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.14006808400154114},{"word":"this","start":632.47504,"end":632.7,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.13871753215789795},{"word":"is","start":632.78,"end":632.94,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10292522609233856},{"word":"essentially","start":632.94,"end":633.26,"confidence":0.98535156,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.12763488292694092},{"word":"showing","start":633.26,"end":633.66003,"confidence":1.0,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":0.12751221656799316},{"word":"the","start":633.66003,"end":633.74,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1262311339378357},{"word":"reason","start":633.74,"end":634.14,"confidence":0.50634766,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":0.09527268260717392},{"word":"for","start":634.14,"end":634.38,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15915971994400024},{"word":"the","start":634.38,"end":634.54004,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17699408531188965},{"word":"recommendations","start":634.54004,"end":635.04004,"confidence":0.85595703,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.14565759897232056},{"word":"there","start":635.34,"end":635.84,"confidence":0.9758301,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.11526207625865936},{"word":"now","start":635.98004,"end":636.22003,"confidence":0.9863281,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.045901648700237274},{"word":"it","start":636.22003,"end":636.3,"confidence":0.9589844,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03973357379436493},{"word":"is","start":636.3,"end":636.46,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02121366560459137},{"word":"really","start":636.46,"end":636.7,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.03931137174367905},{"word":"important","start":636.7,"end":637.10004,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.007078550755977631},{"word":"that","start":637.10004,"end":637.34,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.062284812331199646},{"word":"we","start":637.34,"end":637.5,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02567159384489059},{"word":"do","start":637.5,"end":637.66003,"confidence":0.99316406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.014983803033828735},{"word":"sort","start":637.66003,"end":637.9,"confidence":0.9819336,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.046681784093379974},{"word":"of","start":637.9,"end":637.98004,"confidence":0.76123047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06365135312080383},{"word":"note","start":637.98004,"end":638.3,"confidence":0.56347656,"punctuated_word":"note","sentiment":"neutral","sentiment_score":-0.00731552392244339},{"word":"that","start":638.3,"end":638.54004,"confidence":0.98095703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.00820361077785492},{"word":"whenever","start":638.54004,"end":638.86,"confidence":0.74658203,"punctuated_word":"whenever","sentiment":"neutral","sentiment_score":-0.019280731678009033},{"word":"we","start":638.86,"end":639.10004,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.019843511283397675},{"word":"do","start":639.10004,"end":639.42,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.022009149193763733},{"word":"switch","start":639.42,"end":639.74,"confidence":0.9970703,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":-0.009979374706745148},{"word":"investments","start":639.74,"end":640.22003,"confidence":0.8105469,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.03259974718093872},{"word":"within","start":640.22003,"end":640.62,"confidence":0.99902344,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.023305125534534454},{"word":"your","start":640.62,"end":640.94,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.023726515471935272},{"word":"portfolio","start":640.94,"end":641.42,"confidence":0.7495117,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.003446299582719803},{"word":"there","start":641.42,"end":641.66003,"confidence":0.9819336,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.04513610899448395},{"word":"are","start":641.66003,"end":641.9,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.03877127170562744},{"word":"capital","start":641.9,"end":642.3,"confidence":0.9941406,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.13377751410007477},{"word":"gains","start":642.3,"end":642.7,"confidence":0.7680664,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":-0.014966674149036407},{"word":"consequences","start":642.7,"end":643.2,"confidence":0.99121094,"punctuated_word":"consequences.","sentiment":"neutral","sentiment_score":-0.01706545054912567},{"word":"so","start":643.34,"end":643.84,"confidence":0.9091797,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.10513762384653091},{"word":"essentially","start":643.9,"end":644.4,"confidence":0.9995117,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.09298983216285706},{"word":"your","start":644.54004,"end":644.86,"confidence":0.9863281,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16226264834403992},{"word":"super","start":644.86,"end":645.18,"confidence":0.7495117,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.22317811846733093},{"word":"fund","start":645.18,"end":645.42,"confidence":0.8894043,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.1496293991804123},{"word":"just","start":645.42,"end":645.74,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15640729665756226},{"word":"like","start":645.74,"end":645.98004,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1387987732887268},{"word":"you","start":645.98004,"end":646.14,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18901661038398743},{"word":"do","start":646.14,"end":646.3,"confidence":0.9916992,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.1689164787530899},{"word":"does","start":646.3,"end":646.54004,"confidence":0.9951172,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.07668107748031616},{"word":"a","start":646.54004,"end":646.62,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11186624318361282},{"word":"tax","start":646.62,"end":646.94,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.09843426942825316},{"word":"return","start":646.94,"end":647.34,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.09842424094676971},{"word":"every","start":647.34,"end":647.74,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.05438414588570595},{"word":"year","start":647.74,"end":648.135,"confidence":0.9260254,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.08043994009494781},{"word":"and","start":648.695,"end":649.015,"confidence":0.98095703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06348282098770142},{"word":"they","start":649.015,"end":649.255,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.05852654203772545},{"word":"have","start":649.255,"end":649.41504,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05833984538912773},{"word":"to","start":649.41504,"end":649.575,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06834372878074646},{"word":"pay","start":649.575,"end":649.815,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.09789588302373886},{"word":"tax","start":649.815,"end":650.135,"confidence":0.93115234,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.1290828436613083},{"word":"as","start":650.135,"end":650.295,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10227663815021516},{"word":"well","start":650.295,"end":650.795,"confidence":0.9980469,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.08669255673885345},{"word":"essentially","start":651.335,"end":651.835,"confidence":0.9765625,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.07338380813598633},{"word":"they","start":651.895,"end":652.055,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.1149645298719406},{"word":"pay","start":652.055,"end":652.295,"confidence":0.9980469,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.1288589984178543},{"word":"income","start":652.295,"end":652.695,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.09862393140792848},{"word":"tax","start":652.695,"end":653.015,"confidence":0.9970703,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.11942429840564728},{"word":"and","start":653.015,"end":653.175,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.054793454706668854},{"word":"cgt","start":653.175,"end":653.675,"confidence":0.826416,"punctuated_word":"CGT","sentiment":"neutral","sentiment_score":0.039048224687576294},{"word":"tax","start":653.735,"end":654.215,"confidence":0.9733887,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":0.09620928019285202},{"word":"so","start":654.215,"end":654.615,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16012610495090485},{"word":"for","start":654.615,"end":654.935,"confidence":0.71777344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1942518055438995},{"word":"making","start":654.935,"end":655.255,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.2571125030517578},{"word":"the","start":655.255,"end":655.41504,"confidence":0.87890625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2614519000053406},{"word":"switch","start":655.41504,"end":655.655,"confidence":0.99902344,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.19968917965888977},{"word":"of","start":655.655,"end":655.815,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.29081785678863525},{"word":"the","start":655.815,"end":655.97504,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.269076943397522},{"word":"investments","start":655.97504,"end":656.47504,"confidence":0.99365234,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.17927533388137817},{"word":"we","start":656.53503,"end":656.695,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.21057206392288208},{"word":"do","start":656.695,"end":656.855,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.22894667088985443},{"word":"estimate","start":656.855,"end":657.135,"confidence":1.0,"punctuated_word":"estimate","sentiment":"neutral","sentiment_score":0.17382840812206268},{"word":"having","start":657.41504,"end":657.655,"confidence":0.99609375,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.1700511872768402},{"word":"a","start":657.655,"end":657.815,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16482847929000854},{"word":"look","start":657.815,"end":658.055,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1250092387199402},{"word":"at","start":658.055,"end":658.135,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15499286353588104},{"word":"the","start":658.135,"end":658.295,"confidence":0.8364258,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1556454747915268},{"word":"research","start":658.295,"end":658.775,"confidence":0.9980469,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.13636450469493866},{"word":"there","start":658.775,"end":659.275,"confidence":0.986084,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.1561962068080902},{"word":"your","start":659.41504,"end":659.575,"confidence":0.9448242,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2761211097240448},{"word":"super","start":659.575,"end":659.97504,"confidence":0.9970703,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.24196238815784457},{"word":"fund","start":659.97504,"end":660.215,"confidence":0.9707031,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.23013652861118317},{"word":"will","start":660.215,"end":660.39,"confidence":0.97998047,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2823299765586853},{"word":"essentially","start":660.63,"end":660.95,"confidence":0.9970703,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.23762835562229156},{"word":"pay","start":660.95,"end":661.35004,"confidence":0.9980469,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.2724863886833191},{"word":"$1,645","start":661.35004,"end":663.59,"confidence":0.999721,"punctuated_word":"$1,645","sentiment":"neutral","sentiment_score":0.20193342864513397},{"word":"in","start":663.59,"end":663.91003,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18225732445716855},{"word":"cgt","start":663.91003,"end":664.41003,"confidence":0.694458,"punctuated_word":"CGT","sentiment":"neutral","sentiment_score":0.07731756567955017},{"word":"tax","start":664.63,"end":665.03,"confidence":0.54956055,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":0.21469596028327945},{"word":"so","start":665.03,"end":665.43,"confidence":0.9941406,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3893086612224579},{"word":"not","start":665.43,"end":665.67004,"confidence":0.60595703,"punctuated_word":"not","sentiment":"positive","sentiment_score":0.5594832897186279},{"word":"too","start":665.67004,"end":665.83,"confidence":0.99902344,"punctuated_word":"too","sentiment":"positive","sentiment_score":0.4601498246192932},{"word":"bad","start":665.83,"end":666.15,"confidence":1.0,"punctuated_word":"bad","sentiment":"positive","sentiment_score":0.5031389594078064},{"word":"to","start":666.15,"end":666.23004,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5263583660125732},{"word":"be","start":666.23004,"end":666.39,"confidence":0.9970703,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4108226001262665},{"word":"able","start":666.39,"end":666.55,"confidence":0.9951172,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.43879222869873047},{"word":"to","start":666.55,"end":666.63,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5289009213447571},{"word":"switch","start":666.63,"end":666.95,"confidence":0.9873047,"punctuated_word":"switch","sentiment":"positive","sentiment_score":0.39694690704345703},{"word":"those","start":666.95,"end":667.27,"confidence":0.99609375,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.42522454261779785},{"word":"investments","start":667.27,"end":667.77,"confidence":0.9892578,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.154793843626976},{"word":"for","start":667.83,"end":668.07,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4582916498184204},{"word":"you","start":668.07,"end":668.57,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.3722778558731079},{"word":"we","start":669.51,"end":669.67004,"confidence":0.8520508,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.28177911043167114},{"word":"are","start":669.67004,"end":669.99,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2599373757839203},{"word":"retaining","start":669.99,"end":670.49,"confidence":0.9980469,"punctuated_word":"retaining","sentiment":"neutral","sentiment_score":0.2842562198638916},{"word":"c","start":670.63,"end":670.79004,"confidence":0.38330078,"punctuated_word":"C","sentiment":"neutral","sentiment_score":0.2731682062149048},{"word":"bus","start":670.79004,"end":671.03,"confidence":0.5498047,"punctuated_word":"Bus","sentiment":"neutral","sentiment_score":0.3112984597682953},{"word":"and","start":671.03,"end":671.27,"confidence":0.94384766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.28490158915519714},{"word":"hub","start":671.27,"end":671.51,"confidence":0.5385742,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.2813928723335266},{"word":"twenty","start":671.51,"end":671.83,"confidence":0.99902344,"punctuated_word":"twenty","sentiment":"positive","sentiment_score":0.4235263466835022},{"word":"four","start":671.83,"end":672.07,"confidence":0.99853516,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":0.32388371229171753},{"word":"i","start":672.07,"end":672.15,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3446088135242462},{"word":"did","start":672.15,"end":672.39,"confidence":0.9482422,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.24029715359210968},{"word":"look","start":672.39,"end":672.55,"confidence":0.9941406,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.286564439535141},{"word":"at","start":672.55,"end":672.71,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2873150408267975},{"word":"the","start":672.71,"end":672.79004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2932707369327545},{"word":"other","start":672.79004,"end":673.03,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.26389068365097046},{"word":"super","start":673.03,"end":673.43,"confidence":0.9223633,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.23099620640277865},{"word":"funds","start":673.43,"end":673.75,"confidence":0.95703125,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.2420874387025833},{"word":"out","start":673.75,"end":673.91003,"confidence":0.9902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2323538064956665},{"word":"there","start":673.91003,"end":674.07,"confidence":0.9946289,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.25668638944625854},{"word":"there","start":674.07,"end":674.23004,"confidence":1.0,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.2660660147666931},{"word":"is","start":674.23004,"end":674.39,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2074390649795532},{"word":"no","start":674.39,"end":674.63,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.20414601266384125},{"word":"need","start":674.63,"end":674.79004,"confidence":0.9980469,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.10716967284679411},{"word":"to","start":674.79004,"end":674.95,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1886303573846817},{"word":"switch","start":674.95,"end":675.19,"confidence":1.0,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.12346561253070833},{"word":"out","start":675.19,"end":675.35004,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1015329733490944},{"word":"of","start":675.35004,"end":675.43,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14599530398845673},{"word":"hub","start":675.43,"end":675.615,"confidence":0.9580078,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.1081968992948532},{"word":"twenty","start":675.77496,"end":675.935,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.2143554240465164},{"word":"four","start":675.935,"end":676.095,"confidence":0.9970703,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":0.19424624741077423},{"word":"you","start":676.095,"end":676.255,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.22205741703510284},{"word":"need","start":676.255,"end":676.575,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.16421723365783691},{"word":"to","start":676.575,"end":676.65497,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22217924892902377},{"word":"retain","start":676.65497,"end":676.975,"confidence":0.97265625,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.1780097782611847},{"word":"sebas","start":676.975,"end":677.375,"confidence":0.50183105,"punctuated_word":"Sebas","sentiment":"neutral","sentiment_score":0.26619094610214233},{"word":"because","start":677.375,"end":677.615,"confidence":0.9370117,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.2128298133611679},{"word":"your","start":677.615,"end":677.855,"confidence":0.97509766,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2915145754814148},{"word":"insurance","start":677.855,"end":678.255,"confidence":0.9526367,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.19299201667308807},{"word":"is","start":678.255,"end":678.415,"confidence":0.90527344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2112582325935364},{"word":"in","start":678.415,"end":678.65497,"confidence":0.9760742,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.22984707355499268},{"word":"place","start":678.65497,"end":678.895,"confidence":0.9951172,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.27859097719192505},{"word":"there","start":678.895,"end":679.395,"confidence":0.8737793,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.23425722122192383},{"word":"but","start":679.695,"end":680.015,"confidence":0.5361328,"punctuated_word":"But","sentiment":"positive","sentiment_score":0.3900213241577149},{"word":"hub","start":680.015,"end":680.255,"confidence":0.92822266,"punctuated_word":"hub","sentiment":"positive","sentiment_score":0.528308093547821},{"word":"twenty","start":680.255,"end":680.575,"confidence":0.9970703,"punctuated_word":"twenty","sentiment":"positive","sentiment_score":0.6182632446289062},{"word":"four","start":680.575,"end":680.735,"confidence":0.9970703,"punctuated_word":"four","sentiment":"positive","sentiment_score":0.6262947916984558},{"word":"is","start":680.735,"end":680.815,"confidence":0.95703125,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5563786625862122},{"word":"still","start":680.815,"end":681.055,"confidence":0.99902344,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.5633520483970642},{"word":"a","start":681.055,"end":681.135,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6551291942596436},{"word":"great","start":681.135,"end":681.455,"confidence":0.99902344,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.7230017781257629},{"word":"platform","start":681.455,"end":681.955,"confidence":0.8027344,"punctuated_word":"platform.","sentiment":"positive","sentiment_score":0.5815966129302979},{"word":"and","start":682.415,"end":682.735,"confidence":0.9902344,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.4633094668388366},{"word":"the","start":682.735,"end":682.975,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5056154727935791},{"word":"idea","start":682.975,"end":683.295,"confidence":1.0,"punctuated_word":"idea","sentiment":"positive","sentiment_score":0.37197768688201904},{"word":"of","start":683.295,"end":683.455,"confidence":0.9267578,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4312494695186615},{"word":"if","start":683.455,"end":683.535,"confidence":0.85546875,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4418035745620727},{"word":"we","start":683.535,"end":683.695,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.30467450618743896},{"word":"move","start":683.695,"end":683.935,"confidence":0.96240234,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.25725656747817993},{"word":"to","start":683.935,"end":684.095,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28287273645401},{"word":"any","start":684.095,"end":684.33496,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.2553566098213196},{"word":"other","start":684.33496,"end":684.65497,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.18786650896072388},{"word":"platform","start":684.65497,"end":685.135,"confidence":0.99902344,"punctuated_word":"platform","sentiment":"neutral","sentiment_score":0.12943649291992188},{"word":"out","start":685.135,"end":685.295,"confidence":0.9951172,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.15729102492332458},{"word":"there","start":685.295,"end":685.77496,"confidence":0.9980469,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.16862812638282776},{"word":"the","start":685.77496,"end":685.935,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02591194212436676},{"word":"capital","start":685.935,"end":686.33496,"confidence":0.99902344,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.049844518303871155},{"word":"gains","start":686.33496,"end":686.735,"confidence":0.93408203,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.026143476366996765},{"word":"consequences","start":686.735,"end":687.235,"confidence":0.9951172,"punctuated_word":"consequences","sentiment":"neutral","sentiment_score":0.015805676579475403},{"word":"would","start":687.455,"end":687.615,"confidence":0.99121094,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.00011929869651794434},{"word":"be","start":687.615,"end":687.855,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04623481631278992},{"word":"much","start":687.855,"end":688.175,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.05475883185863495},{"word":"higher","start":688.175,"end":688.495,"confidence":0.9604492,"punctuated_word":"higher.","sentiment":"neutral","sentiment_score":0.18903233110904696},{"word":"so","start":688.495,"end":688.65497,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.236256405711174},{"word":"it","start":688.65497,"end":688.815,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.24459850788116455},{"word":"is","start":688.815,"end":689.055,"confidence":0.96533203,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1939794719219208},{"word":"best","start":689.055,"end":689.295,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.22678272426128387},{"word":"to","start":689.295,"end":689.455,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.35033082962036133},{"word":"retain","start":689.455,"end":689.935,"confidence":0.99902344,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.209117591381073},{"word":"hub","start":689.935,"end":690.175,"confidence":0.9902344,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.31530553102493286},{"word":"twenty","start":690.175,"end":690.495,"confidence":1.0,"punctuated_word":"twenty","sentiment":"positive","sentiment_score":0.4158576726913452},{"word":"four","start":690.495,"end":690.735,"confidence":0.9980469,"punctuated_word":"four","sentiment":"positive","sentiment_score":0.3919609189033508},{"word":"for","start":690.735,"end":690.895,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.26348692178726196},{"word":"now","start":690.895,"end":691.2,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.26388201117515564},{"word":"and","start":691.36,"end":691.52,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22599217295646667},{"word":"just","start":691.52,"end":691.68,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.32024598121643066},{"word":"do","start":691.68,"end":691.84,"confidence":0.9267578,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.35893285274505615},{"word":"the","start":691.84,"end":692.08,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4360593259334564},{"word":"investment","start":692.08,"end":692.56,"confidence":0.78515625,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.2203235924243927},{"word":"switch","start":692.56,"end":692.8,"confidence":0.94873047,"punctuated_word":"switch.","sentiment":"positive","sentiment_score":0.33360713720321655},{"word":"that","start":692.8,"end":692.96,"confidence":0.99902344,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.31150829792022705},{"word":"way","start":692.96,"end":693.12,"confidence":0.8093262,"punctuated_word":"way,","sentiment":"positive","sentiment_score":0.3816926777362823},{"word":"we","start":693.12,"end":693.28,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4440051317214966},{"word":"only","start":693.28,"end":693.52,"confidence":1.0,"punctuated_word":"only","sentiment":"positive","sentiment_score":0.3686648905277252},{"word":"have","start":693.52,"end":693.76,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4102695286273956},{"word":"to","start":693.76,"end":694.16003,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.49946677684783936},{"word":"switch","start":694.16003,"end":694.56,"confidence":0.72021484,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.3035910427570343},{"word":"some","start":694.56,"end":694.88,"confidence":0.9873047,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.3607544898986816},{"word":"investments","start":694.88,"end":695.38,"confidence":0.69140625,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.16820938885211945},{"word":"and","start":696.0,"end":696.24,"confidence":0.7006836,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.35937923192977905},{"word":"mitigate","start":696.24,"end":696.72003,"confidence":0.99609375,"punctuated_word":"mitigate","sentiment":"positive","sentiment_score":0.33337539434432983},{"word":"some","start":696.72003,"end":696.96,"confidence":1.0,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.4172567129135132},{"word":"of","start":696.96,"end":697.12,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3929751515388489},{"word":"the","start":697.12,"end":697.28,"confidence":0.90283203,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3835041224956513},{"word":"tax","start":697.28,"end":697.68,"confidence":0.9770508,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.25080782175064087},{"word":"consequences","start":697.68,"end":698.18,"confidence":1.0,"punctuated_word":"consequences","sentiment":"neutral","sentiment_score":0.10997584462165833},{"word":"to","start":698.56,"end":698.72003,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4742507040500641},{"word":"a","start":698.72003,"end":698.88,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4551742672920227},{"word":"full","start":698.88,"end":699.38,"confidence":0.9951172,"punctuated_word":"full","sentiment":"positive","sentiment_score":0.5568244457244873},{"word":"to","start":699.60004,"end":699.76,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4993239641189575},{"word":"a","start":699.76,"end":699.92,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5138930082321167},{"word":"full","start":699.92,"end":700.16003,"confidence":0.99902344,"punctuated_word":"full","sentiment":"positive","sentiment_score":0.5030553340911865},{"word":"move","start":700.16003,"end":700.56,"confidence":0.8754883,"punctuated_word":"move,","sentiment":"positive","sentiment_score":0.416537344455719},{"word":"if","start":700.56,"end":700.72003,"confidence":0.99902344,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.45787936449050903},{"word":"that","start":700.72003,"end":700.96,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3408209979534149},{"word":"makes","start":700.96,"end":701.2,"confidence":0.97802734,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.28767135739326477},{"word":"sense","start":701.2,"end":701.7,"confidence":0.99194336,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.22558055818080905},{"word":"yeah","start":703.36,"end":703.86,"confidence":0.9675293,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17793916165828705},{"word":"essentially","start":704.585,"end":705.085,"confidence":0.93530273,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.1955285966396332},{"word":"looking","start":705.145,"end":705.465,"confidence":0.55078125,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.2325670421123505},{"word":"at","start":705.465,"end":705.625,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15375234186649325},{"word":"because","start":705.705,"end":705.945,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1467764675617218},{"word":"we","start":705.945,"end":706.10504,"confidence":0.99316406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2575826346874237},{"word":"are","start":706.10504,"end":706.265,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.27740478515625},{"word":"moving","start":706.265,"end":706.765,"confidence":1.0,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.3037153482437134},{"word":"money","start":706.905,"end":707.30505,"confidence":0.77246094,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.2514154613018036},{"word":"from","start":707.30505,"end":707.625,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1646595001220703},{"word":"c","start":707.625,"end":707.78503,"confidence":0.36669922,"punctuated_word":"C","sentiment":"neutral","sentiment_score":0.1012413650751114},{"word":"bus","start":707.78503,"end":707.945,"confidence":0.3083496,"punctuated_word":"bus","sentiment":"neutral","sentiment_score":0.1583022177219391},{"word":"and","start":707.945,"end":708.185,"confidence":0.7739258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13764426112174988},{"word":"into","start":708.185,"end":708.42505,"confidence":0.89746094,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1472168266773224},{"word":"hub","start":708.42505,"end":708.66504,"confidence":0.48486328,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.1405811607837677},{"word":"twenty","start":708.66504,"end":708.905,"confidence":0.99902344,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.20884022116661072},{"word":"four","start":708.905,"end":709.145,"confidence":0.9736328,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":0.14645352959632874},{"word":"we","start":709.145,"end":709.30505,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.25784167647361755},{"word":"do","start":709.30505,"end":709.54504,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16241225600242615},{"word":"expect","start":709.54504,"end":709.78503,"confidence":1.0,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":0.23244841396808624},{"word":"your","start":709.78503,"end":710.025,"confidence":0.671875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21740275621414185},{"word":"admin","start":710.025,"end":710.34503,"confidence":1.0,"punctuated_word":"admin","sentiment":"neutral","sentiment_score":0.12750084698200226},{"word":"fees","start":710.34503,"end":710.505,"confidence":0.98095703,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.12088726460933684},{"word":"to","start":710.505,"end":710.66504,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14699293673038483},{"word":"go","start":710.66504,"end":710.825,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.22066709399223328},{"word":"up","start":710.825,"end":710.98505,"confidence":0.99316406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.19446277618408203},{"word":"to","start":710.98505,"end":711.145,"confidence":0.6430664,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18401820957660675},{"word":"slightly","start":711.145,"end":711.465,"confidence":0.9970703,"punctuated_word":"slightly","sentiment":"neutral","sentiment_score":0.08721763640642166},{"word":"by","start":711.465,"end":711.625,"confidence":0.98291016,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.12605074048042297},{"word":"about","start":711.625,"end":711.945,"confidence":0.96435547,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.09889797121286392},{"word":"$34","start":711.945,"end":712.66504,"confidence":0.99975586,"punctuated_word":"$34","sentiment":"neutral","sentiment_score":0.09254837036132812},{"word":"for","start":712.66504,"end":712.905,"confidence":0.9760742,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18023179471492767},{"word":"the","start":712.905,"end":713.065,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19507074356079104},{"word":"year","start":713.065,"end":713.565,"confidence":0.99658203,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.16569393873214722},{"word":"however","start":713.78503,"end":714.185,"confidence":0.99609375,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":0.23356933891773224},{"word":"by","start":714.185,"end":714.42505,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.2936677038669586},{"word":"making","start":714.42505,"end":714.66504,"confidence":1.0,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.3820927143096924},{"word":"the","start":714.66504,"end":714.825,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.36542052030563354},{"word":"changes","start":714.825,"end":715.30505,"confidence":1.0,"punctuated_word":"changes","sentiment":"positive","sentiment_score":0.4187419712543487},{"word":"to","start":715.30505,"end":715.465,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.34097543358802795},{"word":"the","start":715.465,"end":715.54504,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3447935879230499},{"word":"investment","start":715.54504,"end":716.04504,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.16856978833675385},{"word":"portfolio","start":716.10504,"end":716.60504,"confidence":0.99609375,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.14317816495895386},{"word":"as","start":716.745,"end":716.98505,"confidence":0.8774414,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.31610578298568726},{"word":"above","start":716.98505,"end":717.30505,"confidence":0.9658203,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.32518693804740906},{"word":"your","start":717.30505,"end":717.54504,"confidence":0.8984375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3213757276535034},{"word":"investment","start":717.54504,"end":718.025,"confidence":0.99609375,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.13238534331321716},{"word":"fees","start":718.025,"end":718.265,"confidence":0.9604492,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.24358975887298584},{"word":"if","start":718.265,"end":718.42505,"confidence":1.0,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4666293561458587},{"word":"you","start":718.42505,"end":718.505,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.425632119178772},{"word":"look","start":718.505,"end":718.745,"confidence":1.0,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.3988908529281616},{"word":"at","start":718.745,"end":718.825,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4104750454425812},{"word":"the","start":718.825,"end":718.98505,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4584868848323822},{"word":"last","start":718.98505,"end":719.22504,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.33098146319389343},{"word":"column","start":719.22504,"end":719.625,"confidence":1.0,"punctuated_word":"column","sentiment":"positive","sentiment_score":0.36494502425193787},{"word":"there","start":719.625,"end":720.0,"confidence":0.99609375,"punctuated_word":"there,","sentiment":"positive","sentiment_score":0.3649723529815674},{"word":"it","start":720.0,"end":720.16,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4887532591819763},{"word":"should","start":720.16,"end":720.4,"confidence":0.96533203,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.5720583200454712},{"word":"save","start":720.4,"end":720.56,"confidence":1.0,"punctuated_word":"save","sentiment":"positive","sentiment_score":0.409296452999115},{"word":"you","start":720.56,"end":720.72,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5579387545585632},{"word":"about","start":720.72,"end":721.04,"confidence":1.0,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.4914472103118897},{"word":"$588","start":721.04,"end":722.4,"confidence":0.9994141,"punctuated_word":"$588","sentiment":"positive","sentiment_score":0.597223162651062},{"word":"for","start":722.4,"end":722.56,"confidence":0.7519531,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5656711459159851},{"word":"the","start":722.56,"end":722.64,"confidence":0.9223633,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5163279175758362},{"word":"year","start":722.64,"end":723.12,"confidence":0.9711914,"punctuated_word":"year.","sentiment":"positive","sentiment_score":0.4247255623340606},{"word":"so","start":723.12,"end":723.62,"confidence":0.99316406,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.6172241568565369},{"word":"lower","start":723.84,"end":724.16,"confidence":0.984375,"punctuated_word":"lower","sentiment":"positive","sentiment_score":0.616191029548645},{"word":"fees","start":724.16,"end":724.48,"confidence":0.9921875,"punctuated_word":"fees,","sentiment":"positive","sentiment_score":0.6363640427589417},{"word":"which","start":724.48,"end":724.72,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.7713619470596313},{"word":"is","start":724.72,"end":724.88,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.7711442708969116},{"word":"good","start":724.88,"end":725.28,"confidence":0.82592773,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.7238038778305054},{"word":"it","start":725.28,"end":725.52,"confidence":0.9980469,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.6714985966682434},{"word":"means","start":725.52,"end":725.76,"confidence":0.99902344,"punctuated_word":"means","sentiment":"positive","sentiment_score":0.61810302734375},{"word":"that","start":725.76,"end":725.92,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6662058234214783},{"word":"you'll","start":725.92,"end":726.08,"confidence":0.99560547,"punctuated_word":"you'll","sentiment":"positive","sentiment_score":0.7278839945793152},{"word":"have","start":726.08,"end":726.32,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.7056378722190857},{"word":"more","start":726.32,"end":726.48,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.6820675134658813},{"word":"money","start":726.48,"end":726.88,"confidence":0.99902344,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.636516809463501},{"word":"invested","start":726.88,"end":727.36,"confidence":0.99609375,"punctuated_word":"invested","sentiment":"positive","sentiment_score":0.5931779742240906},{"word":"working","start":727.36,"end":727.76,"confidence":0.9560547,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.7154311537742615},{"word":"harder","start":727.76,"end":728.08,"confidence":0.9970703,"punctuated_word":"harder","sentiment":"positive","sentiment_score":0.658248782157898},{"word":"for","start":728.08,"end":728.32,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6748143434524536},{"word":"you","start":728.32,"end":728.48,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6892144083976746},{"word":"over","start":728.48,"end":728.72,"confidence":1.0,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.6716776490211487},{"word":"the","start":728.72,"end":728.8,"confidence":0.98828125,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6188195943832397},{"word":"longer","start":728.8,"end":729.2,"confidence":0.9980469,"punctuated_word":"longer","sentiment":"positive","sentiment_score":0.6631563901901245},{"word":"term","start":729.2,"end":729.68,"confidence":0.8088379,"punctuated_word":"term.","sentiment":"positive","sentiment_score":0.4896316528320313},{"word":"still","start":729.68,"end":729.92,"confidence":0.5566406,"punctuated_word":"Still","sentiment":"neutral","sentiment_score":0.33231985569000244},{"word":"paying","start":729.92,"end":730.42,"confidence":0.94433594,"punctuated_word":"paying.","sentiment":"neutral","sentiment_score":0.32673054933547974},{"word":"we'll","start":731.28,"end":731.52,"confidence":0.79907227,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.24707373976707456},{"word":"keep","start":731.52,"end":731.76,"confidence":0.9970703,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.3421913981437683},{"word":"your","start":731.76,"end":732.0,"confidence":0.6948242,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.30224040150642395},{"word":"contributions","start":732.0,"end":732.5,"confidence":0.99609375,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.3182626962661743},{"word":"going","start":732.72,"end":733.12,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.35210245847702026},{"word":"into","start":733.12,"end":733.44,"confidence":0.9707031,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.2788638472557068},{"word":"hub","start":733.44,"end":733.6,"confidence":0.8071289,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.2672463059425354},{"word":"into","start":733.84,"end":734.16,"confidence":0.9819336,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.22532223165035248},{"word":"c","start":734.16,"end":734.4,"confidence":0.4050293,"punctuated_word":"C","sentiment":"neutral","sentiment_score":0.1761186420917511},{"word":"bus","start":734.4,"end":734.64,"confidence":0.5805664,"punctuated_word":"bus.","sentiment":"neutral","sentiment_score":0.20389966666698456},{"word":"sorry","start":734.64,"end":735.14,"confidence":0.9916992,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":0.10543417930603027},{"word":"no","start":735.515,"end":735.675,"confidence":0.9902344,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.08883487433195114},{"word":"changes","start":735.675,"end":736.175,"confidence":0.9970703,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.011924020946025848},{"word":"there","start":736.235,"end":736.735,"confidence":0.79418945,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.10763133317232132},{"word":"and","start":736.875,"end":737.115,"confidence":0.9741211,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.21292228996753693},{"word":"your","start":737.115,"end":737.275,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2944551110267639},{"word":"insurance","start":737.275,"end":737.755,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.17484581470489502},{"word":"premiums","start":737.755,"end":738.235,"confidence":0.72265625,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.3052435517311096},{"word":"stay","start":738.235,"end":738.395,"confidence":0.9550781,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.32304713129997253},{"word":"payable","start":738.395,"end":738.795,"confidence":0.99316406,"punctuated_word":"payable","sentiment":"neutral","sentiment_score":0.3219378590583801},{"word":"out","start":738.795,"end":738.955,"confidence":0.90283203,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.3050418198108673},{"word":"of","start":738.955,"end":739.115,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.25749069452285767},{"word":"seabus","start":739.115,"end":739.59503,"confidence":0.9980469,"punctuated_word":"SeaBus","sentiment":"neutral","sentiment_score":0.254546582698822},{"word":"as","start":739.59503,"end":739.755,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2992421090602875},{"word":"well","start":739.755,"end":739.995,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.300690233707428},{"word":"to","start":739.995,"end":740.155,"confidence":0.8408203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3285865783691406},{"word":"make","start":740.155,"end":740.315,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2831348180770874},{"word":"sure","start":740.315,"end":740.47504,"confidence":0.9980469,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.24165458977222443},{"word":"your","start":740.47504,"end":740.715,"confidence":0.99609375,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3706138730049134},{"word":"insurances","start":740.715,"end":741.195,"confidence":0.8273926,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.24181635677814484},{"word":"are","start":741.195,"end":741.355,"confidence":0.9873047,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.275631844997406},{"word":"in","start":741.355,"end":741.435,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.248589426279068},{"word":"place","start":741.435,"end":741.935,"confidence":0.9790039,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":0.26701730489730835},{"word":"when","start":742.47504,"end":742.715,"confidence":0.9921875,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.2787904441356659},{"word":"you","start":742.715,"end":742.875,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.32923656702041626},{"word":"do","start":742.875,"end":743.195,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.21942292153835297},{"word":"happen","start":743.195,"end":743.515,"confidence":0.99902344,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.2685146629810333},{"word":"to","start":743.515,"end":743.675,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25983062386512756},{"word":"sell","start":743.675,"end":743.915,"confidence":0.9970703,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.1963934451341629},{"word":"your","start":743.915,"end":744.155,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1978202909231186},{"word":"investment","start":744.155,"end":744.655,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.08348338305950165},{"word":"property","start":744.715,"end":745.215,"confidence":0.9838867,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.1922454535961151},{"word":"and","start":745.435,"end":745.59503,"confidence":0.87597656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1358421891927719},{"word":"you","start":745.59503,"end":745.755,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2662293612957001},{"word":"do","start":745.755,"end":745.995,"confidence":0.99316406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2318633496761322},{"word":"pay","start":745.995,"end":746.155,"confidence":0.9970703,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.17816677689552307},{"word":"off","start":746.155,"end":746.315,"confidence":0.9980469,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.15589699149131775},{"word":"your","start":746.315,"end":746.555,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2465018332004547},{"word":"mortgage","start":746.555,"end":747.055,"confidence":0.9970703,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.19711032509803772},{"word":"then","start":747.29004,"end":747.45,"confidence":0.9970703,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.31554174423217773},{"word":"we","start":747.45,"end":747.61005,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.300250381231308},{"word":"can","start":747.61005,"end":747.69,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2577458918094635},{"word":"talk","start":747.69,"end":747.93,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.2562488913536072},{"word":"about","start":747.93,"end":748.17004,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.22898411750793457},{"word":"what","start":748.17004,"end":748.41003,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.23376059532165527},{"word":"your","start":748.41003,"end":748.57,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3296743631362915},{"word":"insurance","start":748.57,"end":749.05005,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.14385011792182922},{"word":"needs","start":749.05005,"end":749.29004,"confidence":0.99902344,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":0.1071896031498909},{"word":"are","start":749.29004,"end":749.53,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.13076898455619812},{"word":"and","start":749.53,"end":749.69,"confidence":0.95947266,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14845500886440277},{"word":"possibly","start":749.69,"end":750.09,"confidence":0.9902344,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":0.13695427775382996},{"word":"look","start":750.09,"end":750.25,"confidence":0.9951172,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2210649996995926},{"word":"at","start":750.25,"end":750.49005,"confidence":0.99121094,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.19051215052604675},{"word":"consolidating","start":750.49005,"end":750.99005,"confidence":1.0,"punctuated_word":"consolidating","sentiment":"neutral","sentiment_score":0.24503472447395325},{"word":"things","start":751.21,"end":751.45,"confidence":1.0,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.3834111988544464},{"word":"there","start":751.45,"end":751.69,"confidence":0.984375,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3334415853023529},{"word":"for","start":751.69,"end":751.85004,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.350196897983551},{"word":"you","start":751.85004,"end":752.01,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.39089876413345337},{"word":"as","start":752.01,"end":752.25,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.34176740050315857},{"word":"well","start":752.25,"end":752.65,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2297334223985672},{"word":"okay","start":752.65,"end":753.15,"confidence":0.8696289,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.12818513810634613},{"word":"when","start":755.05005,"end":755.29004,"confidence":0.9394531,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.09453490376472472},{"word":"we","start":755.29004,"end":755.45,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10618998855352402},{"word":"look","start":755.45,"end":755.61005,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08546935021877289},{"word":"at","start":755.61005,"end":755.77,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09549225866794586},{"word":"how","start":755.77,"end":755.93,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1254009306430817},{"word":"the","start":755.93,"end":756.09,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1340028941631317},{"word":"portfolios","start":756.09,"end":756.59,"confidence":0.9741211,"punctuated_word":"portfolios","sentiment":"neutral","sentiment_score":0.07355880737304688},{"word":"have","start":756.81,"end":757.05005,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12090838700532912},{"word":"performed","start":757.05005,"end":757.55005,"confidence":0.9951172,"punctuated_word":"performed","sentiment":"neutral","sentiment_score":0.1374001502990723},{"word":"over","start":757.61005,"end":757.85004,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.1593935191631317},{"word":"the","start":757.85004,"end":757.93,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13777212798595428},{"word":"past","start":757.93,"end":758.25,"confidence":1.0,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.11260916292667388},{"word":"and","start":758.25,"end":758.49005,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07460831850767136},{"word":"the","start":758.49005,"end":758.65,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11057553440332411},{"word":"future","start":758.65,"end":758.97003,"confidence":0.9675293,"punctuated_word":"future,","sentiment":"neutral","sentiment_score":0.08927259594202042},{"word":"so","start":758.97003,"end":759.21,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.07345253974199295},{"word":"the","start":759.21,"end":759.37,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11133238673210144},{"word":"older","start":759.37,"end":759.69,"confidence":0.9892578,"punctuated_word":"older","sentiment":"neutral","sentiment_score":0.0403035432100296},{"word":"portfolio","start":759.69,"end":760.17004,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.029795974493026733},{"word":"between","start":760.17004,"end":760.57,"confidence":0.99902344,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.11728008836507796},{"word":"the","start":760.57,"end":760.81,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0784369558095932},{"word":"two","start":760.81,"end":760.97003,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.0653407871723175},{"word":"funds","start":760.97003,"end":761.47003,"confidence":0.9445801,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":0.04057847335934639},{"word":"when","start":761.585,"end":761.745,"confidence":0.9301758,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.04085787385702133},{"word":"we","start":761.745,"end":761.905,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06679687649011612},{"word":"look","start":761.905,"end":761.985,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06159076094627381},{"word":"at","start":761.985,"end":762.185,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05690396949648857},{"word":"the","start":762.185,"end":762.385,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05853934586048126},{"word":"rate","start":762.385,"end":762.545,"confidence":0.3166504,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.04491184279322624},{"word":"of","start":762.545,"end":762.705,"confidence":0.21435547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.008391737937927246},{"word":"debt","start":762.705,"end":763.205,"confidence":0.6269531,"punctuated_word":"debt,","sentiment":"neutral","sentiment_score":0.02032037265598774},{"word":"it's","start":763.265,"end":763.505,"confidence":0.7546387,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04580674692988396},{"word":"averaged","start":763.505,"end":763.905,"confidence":0.95410156,"punctuated_word":"averaged","sentiment":"neutral","sentiment_score":0.1079639494419098},{"word":"about","start":763.905,"end":764.145,"confidence":0.9921875,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08023138344287872},{"word":"8.52%","start":764.145,"end":765.605,"confidence":0.98447263,"punctuated_word":"8.52%","sentiment":"neutral","sentiment_score":0.0963185653090477},{"word":"on","start":765.625,"end":766.125,"confidence":0.7260742,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09566137939691544},{"word":"the","start":766.145,"end":766.645,"confidence":0.56689453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08188819140195847},{"word":"five","start":766.78503,"end":767.025,"confidence":0.44433594,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.08092087507247925},{"word":"year","start":767.025,"end":767.185,"confidence":0.9760742,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.1228860169649124},{"word":"rolling","start":767.185,"end":767.505,"confidence":0.99121094,"punctuated_word":"rolling","sentiment":"neutral","sentiment_score":0.139263316988945},{"word":"out","start":767.505,"end":767.665,"confidence":0.8076172,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.08060147613286972},{"word":"which","start":767.665,"end":767.825,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.052144601941108704},{"word":"was","start":767.825,"end":768.065,"confidence":0.65527344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0819162130355835},{"word":"not","start":768.065,"end":768.305,"confidence":0.6269531,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.14352299273014069},{"word":"bad","start":768.305,"end":768.465,"confidence":0.9951172,"punctuated_word":"bad","sentiment":"neutral","sentiment_score":-0.0560164600610733},{"word":"in","start":768.465,"end":768.705,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08932512998580933},{"word":"any","start":768.705,"end":768.865,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.14130015671253204},{"word":"way","start":768.865,"end":769.025,"confidence":0.92993164,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.0756174623966217},{"word":"shape","start":769.025,"end":769.265,"confidence":0.98291016,"punctuated_word":"shape,","sentiment":"neutral","sentiment_score":0.17023441195487976},{"word":"or","start":769.265,"end":769.425,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08452354371547699},{"word":"form","start":769.425,"end":769.925,"confidence":0.99902344,"punctuated_word":"form.","sentiment":"neutral","sentiment_score":0.06849738955497742},{"word":"however","start":770.065,"end":770.465,"confidence":0.9995117,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":0.14306920766830444},{"word":"the","start":770.465,"end":770.625,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34203284978866577},{"word":"newer","start":770.625,"end":770.945,"confidence":0.9970703,"punctuated_word":"newer","sentiment":"neutral","sentiment_score":0.24792027473449707},{"word":"portfolio","start":770.945,"end":771.445,"confidence":0.78466797,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.2682309150695801},{"word":"you","start":771.585,"end":771.665,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.35327962040901184},{"word":"can","start":771.665,"end":771.905,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3278515040874481},{"word":"see","start":771.905,"end":772.145,"confidence":0.9157715,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":0.28526654839515686},{"word":"has","start":772.145,"end":772.305,"confidence":0.9550781,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.3153778314590454},{"word":"had","start":772.305,"end":772.545,"confidence":0.9980469,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.2875010669231415},{"word":"a","start":772.545,"end":772.705,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31807443499565125},{"word":"greater","start":772.705,"end":773.185,"confidence":0.9658203,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.1995994597673416},{"word":"past","start":773.185,"end":773.505,"confidence":0.94970703,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.31144893169403076},{"word":"performance","start":773.505,"end":774.005,"confidence":0.9707031,"punctuated_word":"performance,","sentiment":"neutral","sentiment_score":0.28159868717193604},{"word":"which","start":774.305,"end":774.625,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.2732921838760376},{"word":"depending","start":774.625,"end":775.025,"confidence":0.87060547,"punctuated_word":"depending","sentiment":"positive","sentiment_score":0.38038599491119385},{"word":"on","start":775.025,"end":775.105,"confidence":0.99316406,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3367599844932556},{"word":"market","start":775.105,"end":775.505,"confidence":0.9980469,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.21552734076976776},{"word":"conditions","start":775.505,"end":775.985,"confidence":0.8796387,"punctuated_word":"conditions,","sentiment":"neutral","sentiment_score":0.2937619388103485},{"word":"so","start":775.985,"end":776.145,"confidence":0.5410156,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2153986692428589},{"word":"long","start":776.145,"end":776.305,"confidence":0.9902344,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.33304378390312195},{"word":"as","start":776.305,"end":776.465,"confidence":0.9921875,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3397309184074402},{"word":"we","start":776.465,"end":776.545,"confidence":0.76171875,"punctuated_word":"we,","sentiment":"positive","sentiment_score":0.3495539426803589},{"word":"you","start":776.545,"end":776.85,"confidence":0.5307617,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27499550580978394},{"word":"know","start":776.93,"end":777.08997,"confidence":0.99658203,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.30160820484161377},{"word":"see","start":777.08997,"end":777.32996,"confidence":0.99609375,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.40765905380249023},{"word":"good","start":777.32996,"end":777.49,"confidence":0.99316406,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3614881634712219},{"word":"market","start":777.49,"end":777.81,"confidence":0.9863281,"punctuated_word":"market","sentiment":"positive","sentiment_score":0.4586297869682312},{"word":"conditions","start":777.81,"end":778.13,"confidence":0.97314453,"punctuated_word":"conditions","sentiment":"positive","sentiment_score":0.5178970098495483},{"word":"or","start":778.13,"end":778.37,"confidence":0.8491211,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.4422286450862885},{"word":"what","start":778.37,"end":778.44995,"confidence":0.99902344,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.45097097754478455},{"word":"has","start":778.44995,"end":778.69,"confidence":0.9448242,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.3713269233703614},{"word":"happened","start":778.69,"end":779.00995,"confidence":1.0,"punctuated_word":"happened","sentiment":"positive","sentiment_score":0.4961046278476715},{"word":"over","start":779.00995,"end":779.25,"confidence":1.0,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.44299453496932983},{"word":"the","start":779.25,"end":779.41,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34388309717178345},{"word":"past","start":779.41,"end":779.64996,"confidence":0.99902344,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.30768686532974243},{"word":"five","start":779.64996,"end":779.81,"confidence":0.9970703,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.30804359912872314},{"word":"years","start":779.81,"end":780.13,"confidence":0.9875488,"punctuated_word":"years,","sentiment":"positive","sentiment_score":0.3707912862300873},{"word":"we","start":780.13,"end":780.29,"confidence":0.99121094,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4709805250167846},{"word":"can","start":780.29,"end":780.52997,"confidence":0.99902344,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4949631094932556},{"word":"expect","start":780.52997,"end":780.93,"confidence":0.8833008,"punctuated_word":"expect","sentiment":"positive","sentiment_score":0.4609209895133972},{"word":"greater","start":780.93,"end":781.41,"confidence":0.93115234,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.4329540729522705},{"word":"performance","start":781.41,"end":781.88995,"confidence":0.9970703,"punctuated_word":"performance","sentiment":"positive","sentiment_score":0.46499669551849365},{"word":"there","start":781.88995,"end":782.20996,"confidence":0.9916992,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.4438925385475158},{"word":"and","start":782.20996,"end":782.37,"confidence":1.0,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.4135220944881439},{"word":"if","start":782.37,"end":782.52997,"confidence":1.0,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.569588303565979},{"word":"you're","start":782.52997,"end":782.76996,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.5938116312026978},{"word":"able","start":782.76996,"end":783.00995,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.5683839321136475},{"word":"to","start":783.00995,"end":783.17,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5759377479553223},{"word":"obtain","start":783.17,"end":783.56995,"confidence":0.9980469,"punctuated_word":"obtain","sentiment":"positive","sentiment_score":0.5136483311653137},{"word":"that","start":783.56995,"end":783.73,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5389694571495056},{"word":"sort","start":783.73,"end":783.88995,"confidence":0.99609375,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.42910951375961304},{"word":"of","start":783.88995,"end":784.05,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.45936691761016846},{"word":"a","start":784.05,"end":784.55,"confidence":0.9951172,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.47258591651916504},{"word":"a","start":784.93,"end":785.00995,"confidence":0.4724121,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.43122440576553345},{"word":"return","start":785.00995,"end":785.32996,"confidence":0.99316406,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.5489150881767273},{"word":"of","start":785.32996,"end":785.49,"confidence":0.99609375,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5100767612457275},{"word":"10.95%","start":785.49,"end":786.94995,"confidence":0.9908203,"punctuated_word":"10.95%","sentiment":"positive","sentiment_score":0.6028522253036499},{"word":"over","start":787.25,"end":787.49,"confidence":0.9741211,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.5752094984054565},{"word":"the","start":787.49,"end":787.64996,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5289736390113831},{"word":"course","start":787.64996,"end":787.88995,"confidence":0.99902344,"punctuated_word":"course","sentiment":"positive","sentiment_score":0.5178022980690002},{"word":"of","start":787.88995,"end":787.97,"confidence":0.9980469,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4972832500934601},{"word":"the","start":787.97,"end":788.13,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4804033637046814},{"word":"next","start":788.13,"end":788.44995,"confidence":1.0,"punctuated_word":"next","sentiment":"positive","sentiment_score":0.3964000642299652},{"word":"five","start":788.44995,"end":788.69,"confidence":0.99902344,"punctuated_word":"five","sentiment":"positive","sentiment_score":0.5078903436660767},{"word":"to","start":788.69,"end":788.85,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4402129054069519},{"word":"ten","start":788.85,"end":789.00995,"confidence":1.0,"punctuated_word":"ten","sentiment":"positive","sentiment_score":0.5113011598587036},{"word":"years","start":789.00995,"end":789.32996,"confidence":0.9995117,"punctuated_word":"years,","sentiment":"positive","sentiment_score":0.4809013307094574},{"word":"you","start":789.32996,"end":789.49,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5142456293106079},{"word":"can","start":789.49,"end":789.73,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.441360205411911},{"word":"see","start":789.73,"end":789.88995,"confidence":0.99902344,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.5257455110549927},{"word":"on","start":789.88995,"end":790.05,"confidence":0.99316406,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.5055399537086487},{"word":"the","start":790.05,"end":790.13,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5228311419487},{"word":"next","start":790.13,"end":790.37,"confidence":1.0,"punctuated_word":"next","sentiment":"positive","sentiment_score":0.4644301533699035},{"word":"page","start":790.37,"end":790.76996,"confidence":0.99902344,"punctuated_word":"page","sentiment":"positive","sentiment_score":0.5281282067298889},{"word":"the","start":790.76996,"end":790.85,"confidence":0.8798828,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4812484681606293},{"word":"projection","start":790.85,"end":791.35,"confidence":0.9921875,"punctuated_word":"projection","sentiment":"positive","sentiment_score":0.5855371952056885},{"word":"there","start":791.41,"end":791.73,"confidence":0.7133789,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.46710434556007385},{"word":"so","start":791.73,"end":791.81,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.6031344532966614},{"word":"it","start":791.81,"end":791.97,"confidence":0.92578125,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6877883672714233},{"word":"can","start":791.97,"end":792.435,"confidence":0.99902344,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.7240413427352905},{"word":"and","start":792.515,"end":792.755,"confidence":0.9707031,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.7582011818885803},{"word":"does","start":792.755,"end":792.915,"confidence":0.9770508,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.7159626483917236},{"word":"place","start":792.915,"end":793.15497,"confidence":0.9980469,"punctuated_word":"place","sentiment":"positive","sentiment_score":0.7517392039299011},{"word":"you","start":793.15497,"end":793.315,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.798816442489624},{"word":"in","start":793.315,"end":793.395,"confidence":0.9970703,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.8031010627746582},{"word":"a","start":793.395,"end":793.555,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7640844583511353},{"word":"better","start":793.555,"end":793.795,"confidence":1.0,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.6912186741828918},{"word":"position","start":793.795,"end":794.275,"confidence":1.0,"punctuated_word":"position","sentiment":"positive","sentiment_score":0.7633643746376038},{"word":"moving","start":794.275,"end":794.675,"confidence":0.9951172,"punctuated_word":"moving","sentiment":"positive","sentiment_score":0.7370887398719788},{"word":"forward","start":794.675,"end":795.075,"confidence":0.9909668,"punctuated_word":"forward.","sentiment":"positive","sentiment_score":0.6824437379837036},{"word":"so","start":795.075,"end":795.475,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.474371075630188},{"word":"we'll","start":795.475,"end":795.715,"confidence":0.99658203,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.5289537310600281},{"word":"just","start":795.715,"end":795.875,"confidence":0.99902344,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.5285428762435913},{"word":"keep","start":795.875,"end":796.195,"confidence":1.0,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.4816454350948334},{"word":"reviewing","start":796.195,"end":796.515,"confidence":1.0,"punctuated_word":"reviewing","sentiment":"positive","sentiment_score":0.4023730456829071},{"word":"things","start":796.515,"end":796.755,"confidence":1.0,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.5191250443458557},{"word":"with","start":796.755,"end":796.915,"confidence":0.9863281,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4031067490577698},{"word":"you","start":796.915,"end":797.075,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4738869369029999},{"word":"every","start":797.075,"end":797.315,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.3298655152320862},{"word":"year","start":797.315,"end":797.555,"confidence":0.8679199,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.31535595655441284},{"word":"just","start":797.555,"end":797.795,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.29756295680999756},{"word":"making","start":797.795,"end":798.035,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.32699108123779297},{"word":"sure","start":798.035,"end":798.275,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.3246762156486511},{"word":"things","start":798.275,"end":798.515,"confidence":0.99902344,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.3872861862182617},{"word":"are","start":798.515,"end":798.675,"confidence":0.99902344,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.3635499179363251},{"word":"working","start":798.675,"end":798.995,"confidence":1.0,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.36175328493118286},{"word":"harder","start":798.995,"end":799.395,"confidence":0.9328613,"punctuated_word":"harder,","sentiment":"neutral","sentiment_score":0.2762981057167053},{"word":"review","start":799.395,"end":799.715,"confidence":0.9970703,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.2002696841955185},{"word":"the","start":799.715,"end":799.955,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3164524734020233},{"word":"portfolios","start":799.955,"end":800.455,"confidence":0.9538574,"punctuated_word":"portfolios,","sentiment":"neutral","sentiment_score":0.2857295870780945},{"word":"and","start":800.515,"end":800.675,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.31431883573532104},{"word":"make","start":800.675,"end":800.915,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.33648058772087097},{"word":"sure","start":800.915,"end":800.995,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.33697110414505005},{"word":"you","start":800.995,"end":801.235,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4106418490409851},{"word":"stay","start":801.235,"end":801.395,"confidence":0.99902344,"punctuated_word":"stay","sentiment":"positive","sentiment_score":0.3683588802814483},{"word":"on","start":801.395,"end":801.555,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.32763105630874634},{"word":"track","start":801.555,"end":801.795,"confidence":1.0,"punctuated_word":"track","sentiment":"positive","sentiment_score":0.37756091356277466},{"word":"there","start":801.795,"end":802.295,"confidence":0.98999023,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.31008291244506836},{"word":"but","start":802.515,"end":802.755,"confidence":0.8059082,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.2366955429315567},{"word":"essentially","start":802.755,"end":803.075,"confidence":1.0,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.20451109111309052},{"word":"we","start":803.075,"end":803.235,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2876299023628235},{"word":"wanna","start":803.235,"end":803.555,"confidence":0.99316406,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.4257570505142212},{"word":"make","start":803.555,"end":803.715,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.3149208426475525},{"word":"sure","start":803.715,"end":803.875,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.3421997129917145},{"word":"your","start":803.875,"end":804.115,"confidence":0.9448242,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.412160724401474},{"word":"sleep","start":804.115,"end":804.355,"confidence":0.52783203,"punctuated_word":"sleep","sentiment":"positive","sentiment_score":0.42245304584503174},{"word":"is","start":804.355,"end":804.515,"confidence":0.9892578,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3604105710983277},{"word":"working","start":804.515,"end":804.755,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.3066677451133728},{"word":"harder","start":804.755,"end":805.15497,"confidence":0.9980469,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":0.26093655824661255},{"word":"to","start":805.15497,"end":805.315,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30531659722328186},{"word":"give","start":805.315,"end":805.475,"confidence":0.9921875,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.3218480348587036},{"word":"you","start":805.475,"end":805.635,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3900738656520843},{"word":"the","start":805.635,"end":805.795,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2903743088245392},{"word":"best","start":805.795,"end":806.035,"confidence":0.99902344,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.25584015250205994},{"word":"possible","start":806.035,"end":806.435,"confidence":0.99902344,"punctuated_word":"possible","sentiment":"positive","sentiment_score":0.3615940809249878},{"word":"outcome","start":806.435,"end":806.835,"confidence":1.0,"punctuated_word":"outcome","sentiment":"positive","sentiment_score":0.3685440421104431},{"word":"in","start":806.835,"end":806.995,"confidence":0.9970703,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.37363672256469727},{"word":"retirement","start":806.995,"end":807.495,"confidence":0.9975586,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":0.32522016763687134},{"word":"okay","start":808.02997,"end":808.52997,"confidence":0.8913574,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10054117441177368},{"word":"do","start":810.19,"end":810.35,"confidence":0.98535156,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.03458346799015999},{"word":"you","start":810.35,"end":810.43,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.045494675636291504},{"word":"have","start":810.43,"end":810.58997,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03565415367484093},{"word":"any","start":810.58997,"end":810.83,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.030067531391978264},{"word":"questions","start":810.83,"end":811.23,"confidence":0.99609375,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.02947445586323738},{"word":"so","start":811.23,"end":811.39,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.028331544250249863},{"word":"far","start":811.39,"end":811.63,"confidence":1.0,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.034160904586315155},{"word":"at","start":811.63,"end":811.79,"confidence":0.9873047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.022973794490098953},{"word":"all","start":811.79,"end":812.29,"confidence":0.99316406,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.03864949196577072},{"word":"at","start":821.645,"end":821.885,"confidence":0.51416016,"punctuated_word":"At","sentiment":"neutral","sentiment_score":0.0017209630459547045},{"word":"the","start":821.885,"end":822.045,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.006172319874167442},{"word":"moment","start":822.045,"end":822.525,"confidence":0.810791,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.01130278129130602},{"word":"and","start":822.525,"end":822.765,"confidence":0.82470703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01290743425488472},{"word":"when","start":822.765,"end":823.005,"confidence":0.9863281,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.017588553950190544},{"word":"we","start":823.005,"end":823.16504,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.017029080539941788},{"word":"did","start":823.16504,"end":823.405,"confidence":0.9760742,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.02094896323978901},{"word":"the","start":823.405,"end":823.645,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.020774243399500847},{"word":"you've","start":823.885,"end":824.045,"confidence":0.8852539,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.008153421804308891},{"word":"got","start":824.045,"end":824.28503,"confidence":0.9580078,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.005320277065038681},{"word":"a","start":824.28503,"end":824.365,"confidence":0.42138672,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.00698170717805624},{"word":"yeah","start":825.965,"end":826.28503,"confidence":0.9890137,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.012729944661259651},{"word":"yeah","start":826.28503,"end":826.78503,"confidence":0.9433594,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.010997569188475609},{"word":"and","start":828.365,"end":828.605,"confidence":0.9819336,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.012818312272429466},{"word":"30","start":828.605,"end":829.005,"confidence":0.99609375,"punctuated_word":"30","sentiment":"neutral","sentiment_score":0.01701558753848076},{"word":"seven","start":829.005,"end":829.325,"confidence":0.9980469,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.016012325882911682},{"word":"there","start":829.325,"end":829.565,"confidence":0.9902344,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.019029593095183372},{"word":"so","start":829.565,"end":829.805,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02770007401704788},{"word":"once","start":829.805,"end":829.965,"confidence":1.0,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.03563544899225235},{"word":"we","start":829.965,"end":830.125,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.026353707537055016},{"word":"complete","start":830.125,"end":830.525,"confidence":0.99609375,"punctuated_word":"complete","sentiment":"neutral","sentiment_score":0.04609941318631172},{"word":"this","start":830.525,"end":830.685,"confidence":0.7919922,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.05217210203409195},{"word":"switch","start":830.685,"end":830.925,"confidence":0.72998047,"punctuated_word":"switch,","sentiment":"neutral","sentiment_score":0.04507993161678314},{"word":"you'll","start":830.925,"end":831.16504,"confidence":0.9921875,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.045609619468450546},{"word":"have","start":831.16504,"end":831.405,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.032948676496744156},{"word":"10,000","start":831.405,"end":832.125,"confidence":1.0,"punctuated_word":"10,000","sentiment":"neutral","sentiment_score":0.04086295887827873},{"word":"in","start":832.125,"end":832.28503,"confidence":0.93359375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.030415739864110947},{"word":"cbus","start":832.28503,"end":832.78503,"confidence":0.3116455,"punctuated_word":"Cbus","sentiment":"neutral","sentiment_score":0.040700290352106094},{"word":"and","start":832.84503,"end":833.005,"confidence":0.9472656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02756546065211296},{"word":"about","start":833.005,"end":833.325,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03461344912648201},{"word":"$242.02","start":833.325,"end":835.12,"confidence":0.9825684,"punctuated_word":"$242.02","sentiment":"neutral","sentiment_score":0.0285448394715786},{"word":"56","start":835.12,"end":835.75995,"confidence":1.0,"punctuated_word":"56","sentiment":"neutral","sentiment_score":0.018420524895191193},{"word":"in","start":835.75995,"end":836.0,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01681269146502018},{"word":"hub","start":836.0,"end":836.31995,"confidence":0.8803711,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.023195212706923485},{"word":"24","start":836.31995,"end":837.13995,"confidence":0.9987793,"punctuated_word":"24.","sentiment":"neutral","sentiment_score":0.03337489813566208},{"word":"yeah","start":837.19995,"end":837.69995,"confidence":0.9782715,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10547396540641785},{"word":"all","start":842.07996,"end":842.39996,"confidence":0.4724121,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.4316057562828064},{"word":"good","start":842.39996,"end":842.89996,"confidence":0.9951172,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4186175465583801},{"word":"all","start":842.95996,"end":843.19995,"confidence":0.8833008,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.4909760355949402},{"word":"good","start":843.19995,"end":843.68,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.45144057273864746},{"word":"now","start":843.68,"end":844.0,"confidence":0.78515625,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.17709799110889435},{"word":"one","start":844.0,"end":844.07996,"confidence":0.9941406,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.12793204188346863},{"word":"of","start":844.07996,"end":844.24,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.152004212141037},{"word":"the","start":844.24,"end":844.31995,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17088109254837036},{"word":"things","start":844.31995,"end":844.56,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.2028680294752121},{"word":"i","start":844.56,"end":844.63995,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15251410007476807},{"word":"did","start":844.63995,"end":844.87994,"confidence":0.9902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.10942986607551576},{"word":"talk","start":844.87994,"end":845.12,"confidence":0.9980469,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.14745749533176422},{"word":"about","start":845.12,"end":845.36,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.20473814010620117},{"word":"looking","start":845.36,"end":845.6,"confidence":0.9741211,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.21357518434524536},{"word":"forward","start":845.6,"end":845.92,"confidence":0.9892578,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.24438917636871335},{"word":"to","start":845.92,"end":846.16,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2833295166492462},{"word":"for","start":846.16,"end":846.31995,"confidence":0.8852539,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.21894840896129608},{"word":"you","start":846.31995,"end":846.56,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19401873648166656},{"word":"is","start":846.56,"end":846.63995,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16370385885238647},{"word":"looking","start":846.63995,"end":846.95996,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.1718258410692215},{"word":"at","start":846.95996,"end":847.305,"confidence":0.8039551,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.16316485404968262},{"word":"obviously","start":847.46497,"end":847.785,"confidence":0.99853516,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.13140827417373657},{"word":"what","start":847.785,"end":848.02496,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.16121762990951538},{"word":"the","start":848.02496,"end":848.265,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12992611527442932},{"word":"projected","start":848.265,"end":848.665,"confidence":0.99902344,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":0.1499631106853485},{"word":"outcome","start":848.665,"end":848.985,"confidence":0.99902344,"punctuated_word":"outcome","sentiment":"neutral","sentiment_score":0.15334975719451904},{"word":"looks","start":848.985,"end":849.225,"confidence":0.99902344,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.1037033200263977},{"word":"like","start":849.225,"end":849.46497,"confidence":0.93408203,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.09284180402755736},{"word":"you","start":849.46497,"end":849.625,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.06665074825286865},{"word":"are","start":849.625,"end":849.865,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.04903750494122505},{"word":"in","start":849.865,"end":849.945,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06698960065841675},{"word":"your","start":849.945,"end":850.185,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08637426793575287},{"word":"early","start":850.185,"end":850.505,"confidence":0.99902344,"punctuated_word":"early","sentiment":"neutral","sentiment_score":0.08908228576183319},{"word":"fifties","start":850.505,"end":850.985,"confidence":0.9970703,"punctuated_word":"fifties","sentiment":"neutral","sentiment_score":0.08900700509548187},{"word":"there","start":850.985,"end":851.385,"confidence":0.98706055,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.07588288933038712},{"word":"you","start":851.385,"end":851.545,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.10024212300777437},{"word":"do","start":851.545,"end":851.705,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08605547994375229},{"word":"have","start":851.705,"end":851.825,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09571756422519684},{"word":"a","start":851.825,"end":851.945,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09099622070789336},{"word":"bit","start":851.945,"end":852.185,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08087073266506195},{"word":"of","start":852.185,"end":852.265,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06509969383478165},{"word":"time","start":852.265,"end":852.505,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.08764301985502243},{"word":"before","start":852.505,"end":852.825,"confidence":0.99902344,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.06500913202762604},{"word":"your","start":852.825,"end":853.065,"confidence":0.9140625,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09846355020999908},{"word":"retirement","start":853.065,"end":853.46497,"confidence":0.97753906,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":0.07375882565975189},{"word":"but","start":853.46497,"end":853.705,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.061598967760801315},{"word":"i","start":853.705,"end":853.785,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08423982560634613},{"word":"wanted","start":853.785,"end":854.02496,"confidence":0.99902344,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.08977588266134262},{"word":"to","start":854.02496,"end":854.185,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11472315341234209},{"word":"sort","start":854.185,"end":854.425,"confidence":0.98828125,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1274482160806656},{"word":"of","start":854.425,"end":854.505,"confidence":0.94140625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1200806051492691},{"word":"see","start":854.505,"end":854.745,"confidence":0.9951172,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.10387369990348816},{"word":"where","start":854.745,"end":854.90497,"confidence":0.99609375,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.09223777800798416},{"word":"you","start":854.90497,"end":855.065,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11422016471624374},{"word":"are","start":855.065,"end":855.305,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0729871541261673},{"word":"tracking","start":855.305,"end":855.705,"confidence":0.99902344,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.1249011605978012},{"word":"at","start":855.705,"end":855.865,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06542956829071045},{"word":"the","start":855.865,"end":856.02496,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09740370512008668},{"word":"moment","start":856.02496,"end":856.505,"confidence":0.9995117,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.10998467355966568},{"word":"so","start":856.505,"end":856.90497,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10879571735858916},{"word":"if","start":856.90497,"end":857.065,"confidence":0.99316406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1296486854553223},{"word":"you","start":857.065,"end":857.225,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10650567710399628},{"word":"go","start":857.225,"end":857.46497,"confidence":0.98095703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.12941738963127136},{"word":"down","start":857.46497,"end":857.625,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.12753351032733917},{"word":"to","start":857.625,"end":857.785,"confidence":0.9604492,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13182127475738523},{"word":"page","start":857.785,"end":858.105,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.12621574103832245},{"word":"number","start":858.105,"end":858.425,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.14573155343532562},{"word":"22","start":858.425,"end":859.32,"confidence":0.9941406,"punctuated_word":"22,","sentiment":"neutral","sentiment_score":0.1687285155057907},{"word":"it","start":859.48,"end":859.72003,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1039762943983078},{"word":"does","start":859.72003,"end":859.96,"confidence":0.9892578,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.09489654004573822},{"word":"essentially","start":859.96,"end":860.46,"confidence":0.9902344,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.08162567019462585},{"word":"show","start":860.52,"end":860.60004,"confidence":0.94189453,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.0896466076374054},{"word":"yeah","start":861.48,"end":861.98,"confidence":0.8623047,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.08633645623922348},{"word":"you're","start":862.44,"end":862.76,"confidence":0.9941406,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.14409026503562927},{"word":"okay","start":862.76,"end":863.26,"confidence":0.8745117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.1353747844696045},{"word":"aaron","start":863.32,"end":863.64,"confidence":0.81225586,"punctuated_word":"Aaron,","sentiment":"neutral","sentiment_score":0.04611828550696373},{"word":"did","start":863.64,"end":863.8,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.043692514300346375},{"word":"you","start":863.8,"end":863.96,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.033630337566137314},{"word":"wanna","start":863.96,"end":864.2,"confidence":0.9951172,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.042875148355960846},{"word":"take","start":864.2,"end":864.44,"confidence":0.9980469,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.04218617081642151},{"word":"a","start":864.44,"end":864.52,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.035751037299633026},{"word":"second","start":864.52,"end":864.84,"confidence":0.99853516,"punctuated_word":"second?","sentiment":"neutral","sentiment_score":0.04950583726167679},{"word":"you're","start":864.84,"end":865.16003,"confidence":0.99902344,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.101970374584198},{"word":"fine","start":865.16003,"end":865.66003,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.13448381423950195},{"word":"you're","start":867.24,"end":867.56,"confidence":0.9975586,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.10920996963977814},{"word":"okay","start":867.56,"end":868.06,"confidence":0.9223633,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.066290482878685},{"word":"all","start":868.12,"end":868.36,"confidence":0.9111328,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.7304239869117737},{"word":"good","start":868.36,"end":868.86,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.6815186738967896},{"word":"it","start":869.24,"end":869.48,"confidence":0.81152344,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.4087354242801666},{"word":"does","start":869.48,"end":869.64,"confidence":0.9350586,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.45552629232406616},{"word":"wanna","start":869.64,"end":869.96,"confidence":0.82910156,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.33752888441085815},{"word":"show","start":869.96,"end":870.12,"confidence":0.9892578,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.25957125425338745},{"word":"that","start":870.12,"end":870.36,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2773019075393677},{"word":"projecting","start":870.36,"end":870.84,"confidence":0.9536133,"punctuated_word":"projecting","sentiment":"neutral","sentiment_score":0.24269971251487732},{"word":"this","start":870.84,"end":871.08,"confidence":0.96435547,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.21685686707496643},{"word":"out","start":871.08,"end":871.24,"confidence":0.99609375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.23945194482803345},{"word":"for","start":871.24,"end":871.48,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20945721864700317},{"word":"you","start":871.48,"end":871.64,"confidence":0.8918457,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.21800249814987183},{"word":"you","start":871.64,"end":871.8,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14720170199871063},{"word":"are","start":871.8,"end":871.96,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.11195603013038637},{"word":"looking","start":871.96,"end":872.2,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.09398379921913148},{"word":"at","start":872.2,"end":872.36,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15995709598064425},{"word":"an","start":872.36,"end":872.52,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.15034377574920654},{"word":"income","start":872.52,"end":872.84,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.1814962923526764},{"word":"of","start":872.84,"end":873.0,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12883949279785156},{"word":"about","start":873.0,"end":873.24,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.16515320539474487},{"word":"$1,000","start":873.24,"end":873.88,"confidence":0.99780273,"punctuated_word":"$1,000","sentiment":"neutral","sentiment_score":0.17001816630363464},{"word":"a","start":873.88,"end":874.04,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13911816477775574},{"word":"week","start":874.04,"end":874.2,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.17074763774871826},{"word":"in","start":874.2,"end":874.36,"confidence":0.98095703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1839396506547928},{"word":"retirement","start":874.36,"end":874.86,"confidence":0.9562988,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":0.19177508354187012},{"word":"that","start":874.935,"end":875.095,"confidence":0.9951172,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.2882797122001648},{"word":"could","start":875.095,"end":875.335,"confidence":0.97314453,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.3371222913265228},{"word":"absolutely","start":875.335,"end":875.835,"confidence":0.99902344,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.4155332446098328},{"word":"change","start":875.895,"end":876.135,"confidence":0.99902344,"punctuated_word":"change","sentiment":"positive","sentiment_score":0.38105911016464233},{"word":"there","start":876.135,"end":876.375,"confidence":0.78808594,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.27029430866241455},{"word":"but","start":876.375,"end":876.615,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.22538475692272184},{"word":"we've","start":876.615,"end":876.695,"confidence":0.99902344,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.1181572526693344},{"word":"considered","start":876.695,"end":877.175,"confidence":0.9760742,"punctuated_word":"considered","sentiment":"neutral","sentiment_score":0.0365494042634964},{"word":"your","start":877.175,"end":877.335,"confidence":0.9560547,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.060812465846538544},{"word":"asset","start":877.335,"end":877.65497,"confidence":0.9902344,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":-0.01713123917579651},{"word":"position","start":877.65497,"end":878.055,"confidence":0.9951172,"punctuated_word":"position","sentiment":"neutral","sentiment_score":-0.000699266791343689},{"word":"at","start":878.055,"end":878.215,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.007716082036495209},{"word":"the","start":878.215,"end":878.375,"confidence":0.95166016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12518568336963654},{"word":"time","start":878.375,"end":878.615,"confidence":0.99853516,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.10890531539916992},{"word":"obviously","start":878.615,"end":879.095,"confidence":0.9995117,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.07267546653747559},{"word":"you","start":879.095,"end":879.495,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09016208350658415},{"word":"will","start":879.495,"end":879.735,"confidence":0.94628906,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.08721406757831573},{"word":"have","start":879.735,"end":880.215,"confidence":0.98095703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09787659347057344},{"word":"sold","start":880.215,"end":880.535,"confidence":0.77978516,"punctuated_word":"sold","sentiment":"neutral","sentiment_score":-0.0000870823860168457},{"word":"the","start":880.535,"end":880.775,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004500694572925568},{"word":"investment","start":880.775,"end":881.255,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.006953276693820953},{"word":"property","start":881.255,"end":881.735,"confidence":0.9970703,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.008285902440547943},{"word":"there","start":881.735,"end":882.235,"confidence":0.97998047,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.029665790498256683},{"word":"and","start":882.695,"end":882.935,"confidence":0.9223633,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.015212960541248322},{"word":"paid","start":882.935,"end":883.175,"confidence":0.9951172,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.0158928781747818},{"word":"off","start":883.175,"end":883.335,"confidence":0.99902344,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.030457444489002228},{"word":"your","start":883.335,"end":883.495,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05475462973117829},{"word":"mortgage","start":883.495,"end":883.895,"confidence":0.6230469,"punctuated_word":"mortgage.","sentiment":"neutral","sentiment_score":0.03958437219262123},{"word":"you're","start":883.895,"end":884.135,"confidence":0.62805176,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.14056441187858582},{"word":"fully","start":884.135,"end":884.375,"confidence":0.9921875,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.2369113266468048},{"word":"debt","start":884.375,"end":884.615,"confidence":0.9970703,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.0949542224407196},{"word":"free","start":884.615,"end":884.855,"confidence":1.0,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.245406836271286},{"word":"as","start":884.855,"end":885.095,"confidence":0.96777344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18442589044570923},{"word":"a","start":885.095,"end":885.175,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24253807961940765},{"word":"homeowner","start":885.175,"end":885.675,"confidence":0.9941406,"punctuated_word":"homeowner","sentiment":"neutral","sentiment_score":0.17236050963401794},{"word":"and","start":885.735,"end":885.975,"confidence":0.42749023,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19574882090091705},{"word":"considering","start":885.975,"end":886.455,"confidence":0.9980469,"punctuated_word":"considering","sentiment":"neutral","sentiment_score":0.15010102093219757},{"word":"any","start":886.455,"end":886.695,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.22300276160240173},{"word":"other","start":886.695,"end":886.935,"confidence":0.99609375,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.1825675666332245},{"word":"assets","start":886.935,"end":887.255,"confidence":0.99609375,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.08393828570842743},{"word":"that","start":887.255,"end":887.415,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2430053204298019},{"word":"you","start":887.415,"end":887.65497,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23850147426128387},{"word":"do","start":887.65497,"end":887.815,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1875329464673996},{"word":"have","start":887.815,"end":888.21,"confidence":0.8808594,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":0.19364067912101743},{"word":"we","start":888.37,"end":888.61005,"confidence":0.9716797,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.29685527086257935},{"word":"do","start":888.61005,"end":888.85004,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.3221546709537506},{"word":"expect","start":888.85004,"end":889.17004,"confidence":1.0,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":0.3318885862827301},{"word":"you","start":889.17004,"end":889.25,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3602329194545746},{"word":"to","start":889.25,"end":889.33,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3362007737159729},{"word":"be","start":889.33,"end":889.49005,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3390980362892151},{"word":"able","start":889.49005,"end":889.81,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.3395189046859741},{"word":"to","start":889.81,"end":889.97003,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3867523670196533},{"word":"access","start":889.97003,"end":890.37,"confidence":0.99316406,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.27965062856674194},{"word":"some","start":890.37,"end":890.53,"confidence":0.7060547,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.25032395124435425},{"word":"age","start":890.53,"end":890.77,"confidence":0.9013672,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.2699039876461029},{"word":"pension","start":890.77,"end":891.17004,"confidence":0.99902344,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.23800072073936465},{"word":"there","start":891.17004,"end":891.41003,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.32693421840667725},{"word":"as","start":891.41003,"end":891.57,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3613688945770264},{"word":"well","start":891.57,"end":891.89,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.41760197281837463},{"word":"given","start":891.89,"end":892.13,"confidence":0.78759766,"punctuated_word":"given","sentiment":"positive","sentiment_score":0.3619682192802429},{"word":"your","start":892.13,"end":892.29004,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2452470511198044},{"word":"current","start":892.29004,"end":892.77,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.14735838770866394},{"word":"circumstances","start":892.77,"end":893.27,"confidence":0.85595703,"punctuated_word":"circumstances.","sentiment":"neutral","sentiment_score":0.2335834950208664},{"word":"that","start":893.49005,"end":893.73004,"confidence":0.99902344,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.18612633645534515},{"word":"will","start":893.73004,"end":893.89,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.19593816995620728},{"word":"be","start":893.89,"end":894.05005,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.205523282289505},{"word":"reviewed","start":894.05005,"end":894.53,"confidence":0.99902344,"punctuated_word":"reviewed","sentiment":"neutral","sentiment_score":0.18570050597190857},{"word":"moving","start":894.53,"end":894.93,"confidence":0.97998047,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.21509626507759097},{"word":"forward","start":894.93,"end":895.25,"confidence":1.0,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.26111552119255066},{"word":"with","start":895.25,"end":895.33,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2808833718299866},{"word":"you","start":895.33,"end":895.57,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28093990683555603},{"word":"as","start":895.57,"end":895.73004,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2679494619369507},{"word":"well","start":895.73004,"end":896.23004,"confidence":0.9975586,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.18267661333084104},{"word":"but","start":896.61005,"end":896.85004,"confidence":0.9030762,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.1884034276008606},{"word":"essentially","start":896.85004,"end":897.33,"confidence":1.0,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.16556300222873688},{"word":"if","start":897.33,"end":897.41003,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2970302999019623},{"word":"you","start":897.41003,"end":897.57,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.32453733682632446},{"word":"are","start":897.57,"end":897.73004,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2949025630950928},{"word":"able","start":897.73004,"end":897.97003,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.35584717988967896},{"word":"to","start":897.97003,"end":898.05005,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.367855429649353},{"word":"access","start":898.05005,"end":898.37,"confidence":0.9980469,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.2575523853302002},{"word":"some","start":898.37,"end":898.61005,"confidence":0.9707031,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2720752954483032},{"word":"age","start":898.61005,"end":898.77,"confidence":0.9873047,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.20049066841602323},{"word":"pension","start":898.77,"end":899.17004,"confidence":0.99902344,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.2878628671169281},{"word":"given","start":899.17004,"end":899.49005,"confidence":0.8520508,"punctuated_word":"given","sentiment":"positive","sentiment_score":0.35296139121055603},{"word":"your","start":899.49005,"end":899.65,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3426014482975006},{"word":"current","start":899.65,"end":900.05005,"confidence":0.99902344,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.21502384543418884},{"word":"circumstances","start":900.05005,"end":900.55005,"confidence":1.0,"punctuated_word":"circumstances","sentiment":"neutral","sentiment_score":0.3310302197933197},{"word":"and","start":900.77,"end":900.93,"confidence":0.9951172,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.33689793944358826},{"word":"supplement","start":900.93,"end":901.41003,"confidence":1.0,"punctuated_word":"supplement","sentiment":"positive","sentiment_score":0.3468315303325653},{"word":"with","start":901.41003,"end":901.57,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4371149241924286},{"word":"your","start":901.57,"end":901.81,"confidence":0.99609375,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.37720441818237305},{"word":"super","start":901.81,"end":902.13,"confidence":0.8496094,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.4448258578777313},{"word":"there","start":902.13,"end":902.535,"confidence":0.9819336,"punctuated_word":"there,","sentiment":"positive","sentiment_score":0.3394346833229065},{"word":"we","start":902.615,"end":902.69495,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.41352543234825134},{"word":"can","start":902.69495,"end":902.935,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4917113482952118},{"word":"essentially","start":902.935,"end":903.415,"confidence":0.9970703,"punctuated_word":"essentially","sentiment":"positive","sentiment_score":0.4058719277381897},{"word":"expect","start":903.415,"end":903.735,"confidence":0.99902344,"punctuated_word":"expect","sentiment":"positive","sentiment_score":0.4659581482410431},{"word":"you","start":903.735,"end":903.89496,"confidence":0.9472656,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4991813600063324},{"word":"to","start":903.89496,"end":903.975,"confidence":0.9375,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4181030988693238},{"word":"be","start":903.975,"end":904.055,"confidence":0.9667969,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4316222071647644},{"word":"able","start":904.055,"end":904.135,"confidence":0.9267578,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.4342150688171386},{"word":"to","start":904.135,"end":904.21497,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.40904131531715393},{"word":"draw","start":904.21497,"end":904.535,"confidence":0.99316406,"punctuated_word":"draw","sentiment":"positive","sentiment_score":0.4075784683227539},{"word":"about","start":904.535,"end":904.855,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.22780826687812805},{"word":"forty","start":904.855,"end":905.175,"confidence":0.99902344,"punctuated_word":"forty","sentiment":"positive","sentiment_score":0.3335261344909668},{"word":"five","start":905.175,"end":905.415,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.2810247838497162},{"word":"thousand","start":905.415,"end":905.815,"confidence":1.0,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.3142242133617401},{"word":"six","start":905.815,"end":906.13495,"confidence":0.9951172,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.2556994557380676},{"word":"sixty","start":906.13495,"end":906.45496,"confidence":0.88183594,"punctuated_word":"sixty","sentiment":"neutral","sentiment_score":0.2488718330860138},{"word":"five","start":906.45496,"end":906.77496,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.27862972021102905},{"word":"on","start":906.77496,"end":906.935,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3552437722682953},{"word":"a","start":906.935,"end":907.175,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3597538471221924},{"word":"yearly","start":907.175,"end":907.495,"confidence":1.0,"punctuated_word":"yearly","sentiment":"positive","sentiment_score":0.3427232801914215},{"word":"basis","start":907.495,"end":907.815,"confidence":0.9567871,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":0.3026237487792969},{"word":"so","start":907.815,"end":908.055,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2645658850669861},{"word":"it","start":908.055,"end":908.13495,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3132101595401764},{"word":"is","start":908.13495,"end":908.375,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.25763317942619324},{"word":"about","start":908.375,"end":908.69495,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2805006504058838},{"word":"6,000","start":908.69495,"end":909.33496,"confidence":1.0,"punctuated_word":"6,000","sentiment":"neutral","sentiment_score":0.3210982382297516},{"word":"down","start":909.33496,"end":909.57495,"confidence":0.9980469,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.3460536003112793},{"word":"from","start":909.57495,"end":909.735,"confidence":1.0,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.360825389623642},{"word":"where","start":909.735,"end":909.975,"confidence":0.9980469,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.25177115201950073},{"word":"your","start":909.975,"end":910.21497,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.25432220101356506},{"word":"target","start":910.21497,"end":910.69495,"confidence":0.9980469,"punctuated_word":"target","sentiment":"neutral","sentiment_score":0.24456828832626343},{"word":"income","start":910.69495,"end":911.175,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.2732534408569336},{"word":"is","start":911.175,"end":911.675,"confidence":0.99853516,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.20218539237976071},{"word":"you","start":912.45496,"end":912.69495,"confidence":0.6640625,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.24165473878383636},{"word":"could","start":912.69495,"end":912.935,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.2621508538722992},{"word":"draw","start":912.935,"end":913.25494,"confidence":1.0,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.33229562640190125},{"word":"more","start":913.25494,"end":913.57495,"confidence":0.9980469,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2439500093460083},{"word":"to","start":913.57495,"end":913.735,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2496081441640854},{"word":"get","start":913.735,"end":913.89496,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.28608378767967224},{"word":"that","start":913.89496,"end":914.13495,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.28511402010917664},{"word":"52,000","start":914.13495,"end":915.01495,"confidence":0.9811198,"punctuated_word":"52,000.","sentiment":"neutral","sentiment_score":0.23493754863739016},{"word":"this","start":915.01495,"end":915.175,"confidence":0.88671875,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.11002615094184875},{"word":"means","start":915.175,"end":915.415,"confidence":0.9941406,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.14075423777103424},{"word":"the","start":915.415,"end":915.57495,"confidence":0.47192383,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20448198914527893},{"word":"super","start":915.57495,"end":915.89496,"confidence":0.8803711,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3677319586277008},{"word":"is","start":915.89496,"end":915.975,"confidence":0.75683594,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1359296441078186},{"word":"expected","start":915.975,"end":916.375,"confidence":0.9951172,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":0.2054426223039627},{"word":"to","start":916.375,"end":916.535,"confidence":0.9741211,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08895064890384674},{"word":"not","start":916.535,"end":916.69495,"confidence":0.99121094,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.025164663791656498},{"word":"last","start":916.69495,"end":916.935,"confidence":0.9980469,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.05529077351093292},{"word":"as","start":916.935,"end":917.095,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.010119810700416563},{"word":"long","start":917.095,"end":917.33496,"confidence":0.99902344,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.018388554453849792},{"word":"as","start":917.33496,"end":917.415,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10172554850578308},{"word":"what","start":917.415,"end":917.57495,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10339905321598052},{"word":"we've","start":917.57495,"end":917.815,"confidence":0.73669434,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.0996817946434021},{"word":"projected","start":917.815,"end":918.21497,"confidence":0.9902344,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":0.2468884140253067},{"word":"at","start":918.21497,"end":918.51,"confidence":0.58251953,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.17524771392345428},{"word":"here","start":919.07,"end":919.39,"confidence":0.78759766,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.0869828537106514},{"word":"but","start":919.39,"end":919.55,"confidence":0.7763672,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.09819849580526352},{"word":"there's","start":919.55,"end":919.79004,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.09518329799175262},{"word":"other","start":919.79004,"end":919.95,"confidence":0.99609375,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.07299020141363144},{"word":"things","start":919.95,"end":920.19,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.11087365448474884},{"word":"that","start":920.19,"end":920.35004,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1422688364982605},{"word":"we","start":920.35004,"end":920.43,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14175543189048767},{"word":"can","start":920.43,"end":920.67,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.189629465341568},{"word":"do","start":920.67,"end":920.91003,"confidence":0.9946289,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.13921460509300232},{"word":"so","start":920.91003,"end":921.07,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0985739678144455},{"word":"at","start":921.07,"end":921.23,"confidence":0.94189453,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05256117135286331},{"word":"the","start":921.23,"end":921.31,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0952153205871582},{"word":"moment","start":921.31,"end":921.63,"confidence":0.9946289,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.08955134451389313},{"word":"we're","start":921.63,"end":921.71,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.10025449842214584},{"word":"just","start":921.71,"end":921.95,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.086478590965271},{"word":"looking","start":921.95,"end":922.11,"confidence":0.9980469,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.06532195955514908},{"word":"at","start":922.11,"end":922.27,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07198353856801987},{"word":"what","start":922.27,"end":922.43,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10495409369468688},{"word":"you've","start":922.43,"end":922.59,"confidence":0.99853516,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.09219084680080414},{"word":"got","start":922.59,"end":922.83,"confidence":0.99609375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07930147647857666},{"word":"currently","start":922.83,"end":923.15,"confidence":0.99902344,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.024432070553302765},{"word":"with","start":923.15,"end":923.39,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06715165078639984},{"word":"your","start":923.39,"end":923.55,"confidence":0.9633789,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.128986194729805},{"word":"two","start":923.55,"end":923.71,"confidence":0.9448242,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.07430326193571091},{"word":"funds","start":923.71,"end":924.21,"confidence":0.7453613,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":0.08925212919712067},{"word":"keeping","start":924.91003,"end":925.23,"confidence":0.96875,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.13405266404151917},{"word":"your","start":925.23,"end":925.47003,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08526678383350372},{"word":"insurances","start":925.47003,"end":925.97003,"confidence":0.99609375,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.08314608782529831},{"word":"in","start":926.03,"end":926.19,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09241089224815369},{"word":"place","start":926.19,"end":926.69,"confidence":0.9946289,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":0.09989333152770996},{"word":"but","start":927.07,"end":927.23,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.12938877940177915},{"word":"moving","start":927.23,"end":927.47003,"confidence":0.9951172,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.16305451095104218},{"word":"forward","start":927.47003,"end":927.79004,"confidence":0.7734375,"punctuated_word":"forward,","sentiment":"neutral","sentiment_score":0.20384404063224792},{"word":"as","start":927.79004,"end":927.95,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.24294635653495789},{"word":"we","start":927.95,"end":928.11,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.21951478719711304},{"word":"get","start":928.11,"end":928.35004,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1849650740623474},{"word":"closer","start":928.35004,"end":928.67,"confidence":0.99609375,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":0.164033904671669},{"word":"to","start":928.67,"end":928.83,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2109915018081665},{"word":"accessing","start":928.83,"end":929.31,"confidence":0.99902344,"punctuated_word":"accessing","sentiment":"neutral","sentiment_score":0.18327456712722776},{"word":"super","start":929.31,"end":929.63,"confidence":0.9633789,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.25980889797210693},{"word":"once","start":929.63,"end":929.95,"confidence":0.9941406,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.2586204707622528},{"word":"you","start":929.95,"end":930.11,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26380646228790283},{"word":"are","start":930.11,"end":930.35004,"confidence":0.9790039,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2421053051948547},{"word":"sort","start":930.35004,"end":930.51,"confidence":0.98291016,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.24942491948604584},{"word":"of","start":930.51,"end":930.735,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2670382559299469},{"word":"you've","start":930.735,"end":930.975,"confidence":0.92944336,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.2536369264125824},{"word":"sold","start":930.975,"end":931.21497,"confidence":0.9941406,"punctuated_word":"sold","sentiment":"neutral","sentiment_score":0.07320592552423477},{"word":"the","start":931.21497,"end":931.375,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08926218003034592},{"word":"investment","start":931.375,"end":931.77496,"confidence":0.9921875,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.05476101487874985},{"word":"property","start":931.77496,"end":932.175,"confidence":0.9770508,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.12779627740383148},{"word":"paid","start":932.175,"end":932.415,"confidence":0.9921875,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.14704306423664093},{"word":"your","start":932.415,"end":932.575,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.189563512802124},{"word":"mortgage","start":932.575,"end":933.055,"confidence":0.7753906,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.1555202752351761},{"word":"often","start":933.055,"end":933.295,"confidence":0.9550781,"punctuated_word":"often","sentiment":"positive","sentiment_score":0.3334537446498871},{"word":"you","start":933.295,"end":933.375,"confidence":0.96533203,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.33300110697746277},{"word":"have","start":933.375,"end":933.535,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.31630173325538635},{"word":"a","start":933.535,"end":933.615,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25428086519241333},{"word":"bit","start":933.615,"end":933.77496,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2477796375751495},{"word":"of","start":933.77496,"end":933.935,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21807068586349487},{"word":"extra","start":933.935,"end":934.255,"confidence":0.99609375,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.2024351954460144},{"word":"free","start":934.255,"end":934.495,"confidence":0.99609375,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.2603459060192108},{"word":"cash","start":934.495,"end":934.735,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.25327351689338684},{"word":"flow","start":934.735,"end":934.975,"confidence":0.748291,"punctuated_word":"flow.","sentiment":"neutral","sentiment_score":0.2917613983154297},{"word":"we","start":934.975,"end":935.135,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.18793711066246033},{"word":"can","start":935.135,"end":935.295,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.21369031071662903},{"word":"also","start":935.295,"end":935.615,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1682298481464386},{"word":"look","start":935.615,"end":935.855,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.19148465991020203},{"word":"at","start":935.855,"end":936.015,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.21395300328731537},{"word":"other","start":936.015,"end":936.255,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.1752680540084839},{"word":"areas","start":936.255,"end":936.735,"confidence":1.0,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.1899011880159378},{"word":"like","start":936.735,"end":937.135,"confidence":0.60302734,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.20889075100421903},{"word":"increasing","start":937.135,"end":937.635,"confidence":0.99609375,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.2035028040409088},{"word":"contributions","start":937.695,"end":938.195,"confidence":0.9980469,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.21562018990516665},{"word":"in","start":938.415,"end":938.575,"confidence":0.7050781,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21710945665836337},{"word":"the","start":938.575,"end":938.735,"confidence":0.9667969,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23092159628868103},{"word":"super","start":938.735,"end":939.235,"confidence":0.93847656,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.245220348238945},{"word":"if","start":939.615,"end":939.77496,"confidence":0.92333984,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.2181442677974701},{"word":"you","start":939.77496,"end":939.935,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21614673733711243},{"word":"decide","start":939.935,"end":940.33496,"confidence":0.94921875,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.16195908188819885},{"word":"at","start":940.33496,"end":940.415,"confidence":0.921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1231190636754036},{"word":"60","start":940.415,"end":940.815,"confidence":0.65771484,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":0.17338798940181732},{"word":"you're","start":940.815,"end":940.975,"confidence":0.9975586,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.13475218415260315},{"word":"not","start":940.975,"end":941.135,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.0856383815407753},{"word":"quite","start":941.135,"end":941.375,"confidence":0.99902344,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.01727786660194397},{"word":"ready","start":941.375,"end":941.615,"confidence":1.0,"punctuated_word":"ready","sentiment":"neutral","sentiment_score":0.056343451142311096},{"word":"to","start":941.615,"end":941.77496,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03032788634300232},{"word":"retire","start":941.77496,"end":942.175,"confidence":0.9523926,"punctuated_word":"retire,","sentiment":"neutral","sentiment_score":0.036538559943437576},{"word":"you","start":942.175,"end":942.255,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07586458325386047},{"word":"wanna","start":942.255,"end":942.575,"confidence":0.9980469,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1711821407079697},{"word":"work","start":942.575,"end":942.735,"confidence":0.99902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.1388157308101654},{"word":"a","start":942.735,"end":942.815,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14059150218963623},{"word":"bit","start":942.815,"end":942.975,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11322495341300964},{"word":"longer","start":942.975,"end":943.295,"confidence":0.9472656,"punctuated_word":"longer,","sentiment":"neutral","sentiment_score":0.17716306447982788},{"word":"there's","start":943.295,"end":943.535,"confidence":0.9970703,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.26379573345184326},{"word":"other","start":943.535,"end":943.77496,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.19157737493515015},{"word":"strategies","start":943.77496,"end":944.175,"confidence":0.96533203,"punctuated_word":"strategies","sentiment":"neutral","sentiment_score":0.20962396264076233},{"word":"that","start":944.175,"end":944.415,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.34792572259902954},{"word":"we","start":944.415,"end":944.495,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.32466015219688416},{"word":"can","start":944.495,"end":944.65497,"confidence":0.99902344,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.36119943857192993},{"word":"put","start":944.65497,"end":944.815,"confidence":0.99902344,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.35859736800193787},{"word":"in","start":944.815,"end":944.975,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.31264740228652954},{"word":"place","start":944.975,"end":945.21497,"confidence":0.99902344,"punctuated_word":"place","sentiment":"positive","sentiment_score":0.3482154607772827},{"word":"there","start":945.21497,"end":945.45496,"confidence":0.984375,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3947848379611969},{"word":"for","start":945.45496,"end":945.615,"confidence":0.9980469,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.34205567836761475},{"word":"you","start":945.615,"end":945.93,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.33097919821739197},{"word":"well","start":946.01,"end":946.41,"confidence":0.7401123,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.24510888755321503},{"word":"and","start":946.41,"end":946.64996,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15705233812332153},{"word":"also","start":946.64996,"end":946.89,"confidence":0.5385742,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1753246784210205},{"word":"making","start":946.89,"end":947.21,"confidence":0.92822266,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.2069089114665985},{"word":"sure","start":947.21,"end":947.52997,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.207496240735054},{"word":"that","start":947.52997,"end":947.77,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2760533392429352},{"word":"every","start":947.77,"end":947.93,"confidence":0.99609375,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.2283516228199005},{"word":"year","start":947.93,"end":948.17,"confidence":0.76171875,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.2210390269756317},{"word":"we","start":948.17,"end":948.41,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2528434693813324},{"word":"review","start":948.41,"end":948.81,"confidence":0.9941406,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.1566016674041748},{"word":"your","start":948.81,"end":949.05,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1997013688087463},{"word":"investments","start":949.05,"end":949.55,"confidence":0.67871094,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.1116936057806015},{"word":"and","start":949.69,"end":949.85,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16355684399604797},{"word":"your","start":949.85,"end":950.08997,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20338129997253415},{"word":"returns","start":950.08997,"end":950.49,"confidence":0.9892578,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.1697070598602295},{"word":"to","start":950.49,"end":950.64996,"confidence":0.9135742,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16663694381713867},{"word":"see","start":950.64996,"end":950.81,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.17743194103240967},{"word":"how","start":950.81,"end":950.97,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.16188420355319977},{"word":"you're","start":950.97,"end":951.47,"confidence":0.98657227,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.21208272874355316},{"word":"sort","start":951.52997,"end":951.69,"confidence":0.9902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2186579704284668},{"word":"of","start":951.69,"end":951.85,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18781444430351257},{"word":"working","start":951.85,"end":952.25,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.289436012506485},{"word":"forward","start":952.25,"end":952.64996,"confidence":0.9875488,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":0.22815686464309692},{"word":"obviously","start":952.64996,"end":953.05,"confidence":0.99853516,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.21951070427894592},{"word":"if","start":953.05,"end":953.13,"confidence":0.9819336,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.3134559392929077},{"word":"you","start":953.13,"end":953.21,"confidence":0.9873047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28524404764175415},{"word":"get","start":953.21,"end":953.45,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.24023795127868652},{"word":"a","start":953.45,"end":953.52997,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2094048410654068},{"word":"better","start":953.52997,"end":953.85,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.15355411171913147},{"word":"return","start":953.85,"end":954.17,"confidence":0.7817383,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":0.21470732986927032},{"word":"that","start":954.17,"end":954.41,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23101548850536344},{"word":"10%","start":954.41,"end":954.97,"confidence":0.99450684,"punctuated_word":"10%,","sentiment":"neutral","sentiment_score":0.26576125621795654},{"word":"that's","start":954.97,"end":955.21,"confidence":0.9797363,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2107115238904953},{"word":"just","start":955.21,"end":955.37,"confidence":0.97509766,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1774955689907074},{"word":"an","start":955.37,"end":955.61,"confidence":0.9951172,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.17966808378696442},{"word":"average","start":955.61,"end":955.93,"confidence":1.0,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.18373626470565796},{"word":"of","start":955.93,"end":956.01,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2304125130176544},{"word":"what","start":956.01,"end":956.25,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2546631395816803},{"word":"this","start":956.25,"end":956.49,"confidence":0.9941406,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.22968557476997375},{"word":"portfolio","start":956.49,"end":956.99,"confidence":0.9980469,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.18671394884586337},{"word":"has","start":957.13,"end":957.37,"confidence":0.9951172,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.2356875836849213},{"word":"seen","start":957.37,"end":957.61,"confidence":0.5283203,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.29600921273231506},{"word":"over","start":957.61,"end":957.85,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.25975775718688965},{"word":"the","start":957.85,"end":958.01,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21003514528274536},{"word":"past","start":958.01,"end":958.25,"confidence":0.99902344,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.249391108751297},{"word":"five","start":958.25,"end":958.49,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.21105656027793884},{"word":"years","start":958.49,"end":958.99,"confidence":0.9980469,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.19630524516105652},{"word":"we","start":959.075,"end":959.315,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.22661536931991577},{"word":"know","start":959.315,"end":959.395,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2801052927970886},{"word":"that","start":959.395,"end":959.635,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2873699367046356},{"word":"some","start":959.635,"end":959.875,"confidence":0.99316406,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2395252138376236},{"word":"years","start":959.875,"end":960.035,"confidence":0.7277832,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.2578914165496826},{"word":"you","start":960.035,"end":960.195,"confidence":0.99316406,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.37076500058174133},{"word":"could","start":960.195,"end":960.355,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.30012479424476624},{"word":"get","start":960.355,"end":960.595,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2740325927734375},{"word":"a","start":960.595,"end":960.675,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23115329444408417},{"word":"20%","start":960.675,"end":961.315,"confidence":1.0,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":0.3265715539455414},{"word":"return","start":961.315,"end":961.635,"confidence":0.8486328,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":0.26379671692848206},{"word":"some","start":961.635,"end":961.875,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2809247374534607},{"word":"years","start":961.875,"end":962.195,"confidence":0.7697754,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.2782113254070282},{"word":"a","start":962.195,"end":962.275,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29963794350624084},{"word":"5%","start":962.275,"end":962.755,"confidence":0.9995117,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.3229500949382782},{"word":"return","start":962.755,"end":963.15497,"confidence":0.99121094,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":0.2689014673233032},{"word":"some","start":963.15497,"end":963.395,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.26694273948669434},{"word":"years","start":963.395,"end":963.555,"confidence":0.9567871,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.2790709435939789},{"word":"a","start":963.555,"end":963.71497,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.28794175386428833},{"word":"10%","start":963.71497,"end":964.195,"confidence":0.9995117,"punctuated_word":"10%","sentiment":"positive","sentiment_score":0.3376038670539856},{"word":"return","start":964.195,"end":964.595,"confidence":0.99365234,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":0.2647414803504944},{"word":"so","start":964.595,"end":965.075,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.26031920313835144},{"word":"it's","start":965.075,"end":965.235,"confidence":0.85913086,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.3439366817474365},{"word":"just","start":965.235,"end":965.475,"confidence":0.99316406,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.34443405270576477},{"word":"about","start":965.475,"end":965.795,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.3248308598995209},{"word":"working","start":965.795,"end":966.035,"confidence":1.0,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.4358612895011902},{"word":"with","start":966.035,"end":966.275,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.469599723815918},{"word":"the","start":966.275,"end":966.355,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.39319682121276855},{"word":"market","start":966.355,"end":966.675,"confidence":1.0,"punctuated_word":"market","sentiment":"positive","sentiment_score":0.490820586681366},{"word":"and","start":966.675,"end":966.915,"confidence":0.98828125,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4026563763618469},{"word":"making","start":966.915,"end":967.15497,"confidence":1.0,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.4054413437843323},{"word":"sure","start":967.15497,"end":967.395,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.43330925703048706},{"word":"we're","start":967.395,"end":967.635,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.4260683059692383},{"word":"staying","start":967.635,"end":967.875,"confidence":1.0,"punctuated_word":"staying","sentiment":"positive","sentiment_score":0.4035213589668274},{"word":"on","start":967.875,"end":968.115,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.42168816924095154},{"word":"track","start":968.115,"end":968.355,"confidence":1.0,"punctuated_word":"track","sentiment":"positive","sentiment_score":0.4534633457660675},{"word":"and","start":968.355,"end":968.515,"confidence":0.984375,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4750402271747589},{"word":"trying","start":968.515,"end":968.755,"confidence":0.98828125,"punctuated_word":"trying","sentiment":"positive","sentiment_score":0.565403163433075},{"word":"to","start":968.755,"end":968.915,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5018370747566223},{"word":"get","start":968.915,"end":968.995,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4563578963279724},{"word":"the","start":968.995,"end":969.15497,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4246067404747009},{"word":"best","start":969.15497,"end":969.395,"confidence":1.0,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.4280882477760315},{"word":"possible","start":969.395,"end":969.895,"confidence":1.0,"punctuated_word":"possible","sentiment":"positive","sentiment_score":0.49548935890197754},{"word":"outcome","start":969.955,"end":970.455,"confidence":0.9892578,"punctuated_word":"outcome","sentiment":"positive","sentiment_score":0.46517568826675415},{"word":"over","start":970.755,"end":970.995,"confidence":0.99609375,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.5195862650871277},{"word":"the","start":970.995,"end":971.15497,"confidence":0.92089844,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4374937117099762},{"word":"longer","start":971.15497,"end":971.555,"confidence":0.9970703,"punctuated_word":"longer","sentiment":"positive","sentiment_score":0.4722384810447693},{"word":"term","start":971.555,"end":971.795,"confidence":0.9951172,"punctuated_word":"term","sentiment":"positive","sentiment_score":0.4209519624710083},{"word":"there","start":971.795,"end":972.035,"confidence":0.90625,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.11248674243688583},{"word":"but","start":972.035,"end":972.355,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.19829483330249784},{"word":"moving","start":972.355,"end":972.755,"confidence":0.9980469,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.22428753972053528},{"word":"down","start":972.755,"end":973.075,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.19097524881362915},{"word":"down","start":973.075,"end":973.315,"confidence":0.9482422,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.14920395612716675},{"word":"the","start":973.315,"end":973.475,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20841288566589355},{"word":"track","start":973.475,"end":973.95,"confidence":0.9694824,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":0.18934528529644012},{"word":"if","start":974.19,"end":974.35004,"confidence":0.97265625,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2873479425907135},{"word":"you","start":974.35004,"end":974.43,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29882049560546875},{"word":"are","start":974.43,"end":974.67,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2077250778675079},{"word":"comfortable","start":974.67,"end":975.15,"confidence":0.99902344,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.16840437054634094},{"word":"to","start":975.15,"end":975.23004,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2812371850013733},{"word":"do","start":975.23004,"end":975.47003,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.27563953399658203},{"word":"so","start":975.47003,"end":975.63,"confidence":0.9975586,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":0.2466803789138794},{"word":"it","start":975.63,"end":975.87,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2561323344707489},{"word":"would","start":975.87,"end":976.11,"confidence":1.0,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.3915715217590332},{"word":"be","start":976.11,"end":976.27,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3632564842700958},{"word":"worth","start":976.27,"end":976.59,"confidence":0.99902344,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.2985824644565582},{"word":"looking","start":976.59,"end":976.91003,"confidence":0.9980469,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.3469317853450775},{"word":"at","start":976.91003,"end":977.07,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3368343710899353},{"word":"additional","start":977.07,"end":977.57,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.33178505301475525},{"word":"contributions","start":977.63,"end":978.13,"confidence":0.99902344,"punctuated_word":"contributions","sentiment":"positive","sentiment_score":0.4286912679672241},{"word":"to","start":978.35004,"end":978.43,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.47835439443588257},{"word":"help","start":978.43,"end":978.75,"confidence":1.0,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.5865025520324707},{"word":"boost","start":978.75,"end":978.99,"confidence":0.9921875,"punctuated_word":"boost","sentiment":"positive","sentiment_score":0.6811698079109192},{"word":"your","start":978.99,"end":979.23004,"confidence":0.9614258,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6608193516731262},{"word":"super","start":979.23004,"end":979.55,"confidence":0.87890625,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.7421624660491943},{"word":"as","start":979.55,"end":979.71,"confidence":0.99316406,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5976466536521912},{"word":"well","start":979.71,"end":980.21,"confidence":0.876709,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.4827422797679901},{"word":"essentially","start":980.59,"end":981.09,"confidence":0.88256836,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.254202276468277},{"word":"thinking","start":981.15,"end":981.47003,"confidence":0.9580078,"punctuated_word":"thinking","sentiment":"positive","sentiment_score":0.3609478175640106},{"word":"that","start":981.47003,"end":981.63,"confidence":0.43066406,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3602292835712433},{"word":"your","start":981.63,"end":981.79004,"confidence":0.98095703,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.43622827529907227},{"word":"super","start":981.79004,"end":982.19,"confidence":0.9838867,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.5109939575195312},{"word":"is","start":982.19,"end":982.35004,"confidence":0.9970703,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4353820979595184},{"word":"a","start":982.35004,"end":982.43,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.45107656717300415},{"word":"bit","start":982.43,"end":982.67,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.3410049378871918},{"word":"like","start":982.67,"end":982.83,"confidence":0.9970703,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.3427884876728058},{"word":"your","start":982.83,"end":983.07,"confidence":0.984375,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.35771510004997253},{"word":"car","start":983.07,"end":983.57,"confidence":0.8261719,"punctuated_word":"car,","sentiment":"neutral","sentiment_score":0.2435922622680664},{"word":"your","start":983.63,"end":983.87,"confidence":0.9526367,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3095625042915344},{"word":"contributions","start":983.87,"end":984.37,"confidence":0.99902344,"punctuated_word":"contributions","sentiment":"positive","sentiment_score":0.34160903096199036},{"word":"and","start":985.15,"end":985.31,"confidence":0.64746094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.29216769337654114},{"word":"your","start":985.31,"end":985.79004,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.29971134662628174},{"word":"portfolio","start":985.79004,"end":986.29004,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.33385568857192993},{"word":"essentially","start":986.51,"end":987.01,"confidence":0.5263672,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.2715708315372467},{"word":"are","start":987.07,"end":987.23004,"confidence":0.93603516,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.3152793347835541},{"word":"the","start":987.23004,"end":987.39,"confidence":0.99316406,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34043025970458984},{"word":"fuel","start":987.39,"end":987.89,"confidence":0.8442383,"punctuated_word":"fuel.","sentiment":"neutral","sentiment_score":0.24946951866149905},{"word":"and","start":988.145,"end":988.385,"confidence":0.99316406,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.37616589665412903},{"word":"adding","start":988.385,"end":988.545,"confidence":0.9921875,"punctuated_word":"adding","sentiment":"positive","sentiment_score":0.5447350740432739},{"word":"those","start":988.545,"end":989.025,"confidence":0.99902344,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.5997257232666016},{"word":"together","start":989.025,"end":989.525,"confidence":0.9970703,"punctuated_word":"together,","sentiment":"positive","sentiment_score":0.5091147422790527},{"word":"it","start":989.665,"end":989.825,"confidence":0.9892578,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6286051869392395},{"word":"fills","start":989.825,"end":990.145,"confidence":0.88964844,"punctuated_word":"fills","sentiment":"positive","sentiment_score":0.6739505529403687},{"word":"your","start":990.145,"end":990.305,"confidence":0.5107422,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.651848316192627},{"word":"car","start":990.305,"end":990.465,"confidence":0.9892578,"punctuated_word":"car","sentiment":"positive","sentiment_score":0.6203307509422302},{"word":"up","start":990.465,"end":990.585,"confidence":0.98095703,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.6550166010856628},{"word":"a","start":990.585,"end":990.705,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5843993425369263},{"word":"lot","start":990.705,"end":990.945,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.5590050220489502},{"word":"faster","start":990.945,"end":991.265,"confidence":0.99902344,"punctuated_word":"faster","sentiment":"positive","sentiment_score":0.584280252456665},{"word":"and","start":991.265,"end":991.425,"confidence":0.99121094,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4105961918830872},{"word":"helps","start":991.425,"end":991.745,"confidence":1.0,"punctuated_word":"helps","sentiment":"positive","sentiment_score":0.49278509616851807},{"word":"your","start":991.745,"end":991.985,"confidence":0.9941406,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5091191530227661},{"word":"portfolio","start":991.985,"end":992.485,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.5763859748840332},{"word":"work","start":992.545,"end":992.785,"confidence":0.9970703,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.513447105884552},{"word":"a","start":992.785,"end":992.865,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.48250144720077515},{"word":"little","start":992.865,"end":993.025,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.2664136588573456},{"word":"bit","start":993.025,"end":993.265,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.24267080426216123},{"word":"harder","start":993.265,"end":993.585,"confidence":0.9980469,"punctuated_word":"harder","sentiment":"positive","sentiment_score":0.34268918633461},{"word":"there","start":993.585,"end":993.825,"confidence":1.0,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.4263167977333069},{"word":"as","start":993.825,"end":993.985,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.35777315497398376},{"word":"well","start":993.985,"end":994.485,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.32807326316833496},{"word":"the","start":994.625,"end":994.865,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.05117950588464737},{"word":"other","start":994.865,"end":995.105,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.02304869145154953},{"word":"aspect","start":995.105,"end":995.585,"confidence":0.99902344,"punctuated_word":"aspect","sentiment":"neutral","sentiment_score":0.059590160846710205},{"word":"is","start":995.585,"end":995.825,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04537729173898697},{"word":"the","start":995.825,"end":995.985,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04251795262098312},{"word":"compounding","start":995.985,"end":996.485,"confidence":1.0,"punctuated_word":"compounding","sentiment":"neutral","sentiment_score":-0.006677661091089249},{"word":"side","start":996.545,"end":996.785,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.013808771967887878},{"word":"of","start":996.785,"end":996.945,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02672671526670456},{"word":"things","start":996.945,"end":997.265,"confidence":0.96191406,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":-0.009057797491550446},{"word":"so","start":997.265,"end":997.505,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.05877070873975754},{"word":"we","start":997.505,"end":997.665,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.044461898505687714},{"word":"sort","start":997.665,"end":997.825,"confidence":0.93115234,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.06765394657850266},{"word":"of","start":997.825,"end":998.145,"confidence":0.8569336,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09236383438110352},{"word":"slug","start":998.145,"end":998.385,"confidence":0.40478516,"punctuated_word":"slug","sentiment":"neutral","sentiment_score":-0.2363588809967041},{"word":"our","start":998.385,"end":998.865,"confidence":0.8364258,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.255481481552124},{"word":"life","start":998.865,"end":999.185,"confidence":0.91503906,"punctuated_word":"life","sentiment":"negative","sentiment_score":-0.3357366919517517},{"word":"away","start":999.185,"end":999.505,"confidence":0.9902344,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.2228192836046219},{"word":"to","start":999.505,"end":999.665,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2693224251270294},{"word":"get","start":999.665,"end":999.825,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.27673065662384033},{"word":"our","start":999.825,"end":999.985,"confidence":0.63378906,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.22263950109481812},{"word":"sleep","start":999.985,"end":1000.305,"confidence":0.17871094,"punctuated_word":"sleep","sentiment":"neutral","sentiment_score":-0.1824033260345459},{"word":"up","start":1000.305,"end":1000.465,"confidence":0.73583984,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.13345997035503387},{"word":"to","start":1000.465,"end":1000.625,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05471407622098923},{"word":"about","start":1000.625,"end":1000.945,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.039454709738492966},{"word":"that","start":1000.945,"end":1001.105,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.013406239449977876},{"word":"two","start":1001.105,"end":1001.425,"confidence":0.83691406,"punctuated_word":"two,","sentiment":"neutral","sentiment_score":-0.07269591093063354},{"word":"two","start":1001.425,"end":1001.665,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.08184404671192169},{"word":"fifty","start":1001.665,"end":1002.065,"confidence":1.0,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":-0.04619141295552254},{"word":"mark","start":1002.065,"end":1002.565,"confidence":0.9890137,"punctuated_word":"mark.","sentiment":"neutral","sentiment_score":-0.07011941075325012},{"word":"once","start":1003.02,"end":1003.26,"confidence":1.0,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":0.007593996822834015},{"word":"we","start":1003.26,"end":1003.42004,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.018146313726902008},{"word":"get","start":1003.42004,"end":1003.66003,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.00803026556968689},{"word":"over","start":1003.66003,"end":1003.82,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.06122438609600067},{"word":"that","start":1003.82,"end":1003.98004,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08812043815851212},{"word":"$2.02","start":1003.98004,"end":1004.46,"confidence":0.93029785,"punctuated_word":"$2.02","sentiment":"neutral","sentiment_score":0.04114847257733345},{"word":"$5,300,000","start":1004.46,"end":1006.14,"confidence":0.98965454,"punctuated_word":"$5,300,000","sentiment":"neutral","sentiment_score":0.03969356045126915},{"word":"mark","start":1006.14,"end":1006.64,"confidence":0.99365234,"punctuated_word":"mark,","sentiment":"neutral","sentiment_score":0.10525935888290404},{"word":"essentially","start":1006.86005,"end":1007.34,"confidence":0.7441406,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.06894588470458984},{"word":"the","start":1007.34,"end":1007.5,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13767777383327484},{"word":"compounding","start":1007.5,"end":1008.0,"confidence":0.9995117,"punctuated_word":"compounding","sentiment":"neutral","sentiment_score":0.0972517430782318},{"word":"does","start":1008.06006,"end":1008.38,"confidence":0.9980469,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.07603619992733002},{"word":"increase","start":1008.38,"end":1008.86005,"confidence":0.9941406,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.24237902462482452},{"word":"a","start":1008.86005,"end":1008.94,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17668479681015015},{"word":"little","start":1008.94,"end":1009.18005,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.07552536576986313},{"word":"bit","start":1009.18005,"end":1009.34,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07749392837285995},{"word":"more","start":1009.34,"end":1009.84,"confidence":0.9301758,"punctuated_word":"more,","sentiment":"neutral","sentiment_score":0.16345471143722534},{"word":"and","start":1009.98004,"end":1010.14,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24316465854644775},{"word":"you","start":1010.14,"end":1010.30005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2835483253002167},{"word":"do","start":1010.30005,"end":1010.54004,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.33098292350769043},{"word":"see","start":1010.54004,"end":1010.7,"confidence":0.99902344,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.3993184566497803},{"word":"those","start":1010.7,"end":1010.94,"confidence":0.9013672,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.25571131706237793},{"word":"returns","start":1010.94,"end":1011.42004,"confidence":0.99609375,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.32503312826156616},{"word":"increase","start":1011.42004,"end":1011.92004,"confidence":0.8820801,"punctuated_word":"increase.","sentiment":"neutral","sentiment_score":0.1953861564397812},{"word":"so","start":1011.98004,"end":1012.46,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1831682026386261},{"word":"it","start":1012.46,"end":1012.62006,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2345256209373474},{"word":"is","start":1012.62006,"end":1012.78,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2193530797958374},{"word":"something","start":1012.78,"end":1013.18005,"confidence":0.9941406,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.22359347343444824},{"word":"to","start":1013.18005,"end":1013.34,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2160370945930481},{"word":"keep","start":1013.34,"end":1013.74005,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2909035086631775},{"word":"keep","start":1013.74005,"end":1014.06006,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.30133605003356934},{"word":"monitoring","start":1014.06006,"end":1014.56006,"confidence":1.0,"punctuated_word":"monitoring","sentiment":"neutral","sentiment_score":0.3205680847167969},{"word":"and","start":1014.62006,"end":1014.78,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26235488057136536},{"word":"looking","start":1014.78,"end":1015.10004,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.2973563075065613},{"word":"at","start":1015.10004,"end":1015.34,"confidence":0.99121094,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.36019808053970337},{"word":"with","start":1015.34,"end":1015.5,"confidence":0.9902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.3271133303642273},{"word":"you","start":1015.5,"end":1015.74005,"confidence":0.8708496,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.26073119044303894},{"word":"but","start":1015.98004,"end":1016.14,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2657961845397949},{"word":"i","start":1016.14,"end":1016.30005,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.26061224937438965},{"word":"just","start":1016.30005,"end":1016.46,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.26833900809288025},{"word":"wanted","start":1016.46,"end":1016.78,"confidence":0.9970703,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.292728066444397},{"word":"to","start":1016.78,"end":1016.94,"confidence":0.99316406,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.38132327795028687},{"word":"sort","start":1016.94,"end":1017.18005,"confidence":0.9951172,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.30410468578338623},{"word":"of","start":1017.18005,"end":1017.34,"confidence":0.7290039,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3704774677753449},{"word":"show","start":1017.34,"end":1017.5,"confidence":0.9970703,"punctuated_word":"show","sentiment":"positive","sentiment_score":0.3644795715808869},{"word":"you","start":1017.5,"end":1017.855,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4545024037361145},{"word":"that","start":1017.935,"end":1018.095,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4766041934490204},{"word":"with","start":1018.095,"end":1018.255,"confidence":0.9980469,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5077528953552246},{"word":"the","start":1018.255,"end":1018.495,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4160453975200653},{"word":"research","start":1018.495,"end":1018.89496,"confidence":0.9370117,"punctuated_word":"research,","sentiment":"positive","sentiment_score":0.3724725842475891},{"word":"with","start":1018.89496,"end":1019.055,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4628159999847412},{"word":"the","start":1019.055,"end":1019.21497,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4526920616626739},{"word":"changes","start":1019.21497,"end":1019.535,"confidence":0.93115234,"punctuated_word":"changes","sentiment":"positive","sentiment_score":0.41840726137161255},{"word":"that","start":1019.535,"end":1019.695,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4133588969707489},{"word":"we're","start":1019.695,"end":1019.855,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.32645925879478455},{"word":"making","start":1019.855,"end":1020.255,"confidence":1.0,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.3836309611797333},{"word":"here","start":1020.255,"end":1020.415,"confidence":1.0,"punctuated_word":"here","sentiment":"positive","sentiment_score":0.343741774559021},{"word":"at","start":1020.415,"end":1020.57495,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.28891080617904663},{"word":"the","start":1020.57495,"end":1020.735,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28206565976142883},{"word":"moment","start":1020.735,"end":1021.135,"confidence":0.9863281,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.29928499460220337},{"word":"this","start":1021.135,"end":1021.295,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.3102077543735504},{"word":"is","start":1021.295,"end":1021.535,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3009706139564514},{"word":"essentially","start":1021.535,"end":1021.935,"confidence":0.98291016,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.2754676640033722},{"word":"the","start":1021.935,"end":1022.175,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27203983068466187},{"word":"forecast","start":1022.175,"end":1022.65497,"confidence":0.984375,"punctuated_word":"forecast","sentiment":"neutral","sentiment_score":0.2808127701282501},{"word":"and","start":1022.65497,"end":1022.815,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.25104689598083496},{"word":"projection","start":1022.815,"end":1023.295,"confidence":0.9941406,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":0.2518767714500427},{"word":"that","start":1023.295,"end":1023.535,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.32285428047180176},{"word":"we've","start":1023.535,"end":1023.77496,"confidence":0.9995117,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.27696508169174194},{"word":"got","start":1023.77496,"end":1024.015,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.33604443073272705},{"word":"here","start":1024.015,"end":1024.515,"confidence":0.97998047,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.29401519894599915},{"word":"just","start":1024.655,"end":1024.815,"confidence":0.4399414,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1816598474979401},{"word":"so","start":1024.815,"end":1025.0549,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.19419217109680176},{"word":"you","start":1025.0549,"end":1025.135,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25767624378204346},{"word":"can","start":1025.135,"end":1025.375,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2057512402534485},{"word":"sort","start":1025.375,"end":1025.615,"confidence":0.99609375,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.161830335855484},{"word":"of","start":1025.615,"end":1025.695,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.25887390971183777},{"word":"see","start":1025.695,"end":1025.9349,"confidence":0.9970703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.2822071611881256},{"word":"where","start":1025.9349,"end":1026.1749,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.23884642124176023},{"word":"you're","start":1026.1749,"end":1026.415,"confidence":0.98999023,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2088285386562347},{"word":"tracking","start":1026.415,"end":1026.915,"confidence":0.7961426,"punctuated_word":"tracking.","sentiment":"neutral","sentiment_score":0.17302247881889343},{"word":"it'll","start":1027.375,"end":1027.695,"confidence":0.64038086,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":0.15291883051395416},{"word":"light","start":1027.695,"end":1027.9349,"confidence":0.94140625,"punctuated_word":"light","sentiment":"neutral","sentiment_score":0.1666974425315857},{"word":"at","start":1027.9349,"end":1028.015,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1501982808113098},{"word":"the","start":1028.015,"end":1028.095,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12844757735729218},{"word":"end","start":1028.095,"end":1028.255,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.09436024725437164},{"word":"of","start":1028.255,"end":1028.415,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1365455538034439},{"word":"the","start":1028.415,"end":1028.495,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11430617421865465},{"word":"tunnel","start":1028.495,"end":1028.815,"confidence":0.79956055,"punctuated_word":"tunnel,","sentiment":"neutral","sentiment_score":0.13548316061496735},{"word":"if","start":1028.815,"end":1028.975,"confidence":0.99121094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10907413065433502},{"word":"you","start":1028.975,"end":1029.135,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06677884608507156},{"word":"might","start":1029.135,"end":1029.375,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.05279366672039032},{"word":"say","start":1029.375,"end":1029.875,"confidence":0.99902344,"punctuated_word":"say.","sentiment":"neutral","sentiment_score":0.07726049423217773},{"word":"yeah","start":1032.0599,"end":1032.5599,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11966210603713988},{"word":"i've","start":1033.1,"end":1033.5,"confidence":0.8520508,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.12280571460723876},{"word":"also","start":1033.5,"end":1033.82,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.11848455667495728},{"word":"got","start":1033.82,"end":1033.98,"confidence":0.9941406,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.16731783747673035},{"word":"it","start":1033.98,"end":1034.14,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12431034445762634},{"word":"in","start":1034.14,"end":1034.2999,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09809324145317078},{"word":"here","start":1034.2999,"end":1034.7,"confidence":0.9980469,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.09699924290180206},{"word":"noting","start":1034.7,"end":1035.1,"confidence":0.92578125,"punctuated_word":"noting","sentiment":"neutral","sentiment_score":0.10327234864234924},{"word":"that","start":1035.1,"end":1035.6,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10157383233308792},{"word":"we","start":1035.66,"end":1035.9,"confidence":0.8828125,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08970470726490021},{"word":"are","start":1035.9,"end":1036.14,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.11117969453334808},{"word":"retaining","start":1036.14,"end":1036.64,"confidence":0.9980469,"punctuated_word":"retaining","sentiment":"neutral","sentiment_score":0.09936265647411346},{"word":"your","start":1036.7,"end":1037.02,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1015373021364212},{"word":"life","start":1037.02,"end":1037.26,"confidence":0.9790039,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.10858581960201263},{"word":"and","start":1037.26,"end":1037.42,"confidence":0.9472656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1134909838438034},{"word":"tpd","start":1037.42,"end":1037.9,"confidence":0.9030762,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.07651533931493759},{"word":"within","start":1037.9,"end":1038.2999,"confidence":0.9970703,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.07398165017366409},{"word":"c","start":1038.2999,"end":1038.46,"confidence":0.25732422,"punctuated_word":"C","sentiment":"neutral","sentiment_score":0.0822012647986412},{"word":"bus","start":1038.46,"end":1038.7,"confidence":0.3713379,"punctuated_word":"Bus","sentiment":"neutral","sentiment_score":0.11135345697402954},{"word":"for","start":1038.7,"end":1038.86,"confidence":0.9838867,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0651351660490036},{"word":"the","start":1038.86,"end":1038.94,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09586995095014572},{"word":"time","start":1038.94,"end":1039.1799,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1326395571231842},{"word":"being","start":1039.1799,"end":1039.34,"confidence":0.9980469,"punctuated_word":"being.","sentiment":"neutral","sentiment_score":0.09993965178728104},{"word":"we'll","start":1039.34,"end":1039.58,"confidence":1.0,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.12572568655014038},{"word":"keep","start":1039.58,"end":1039.74,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.13335397839546204},{"word":"reviewing","start":1039.74,"end":1040.22,"confidence":1.0,"punctuated_word":"reviewing","sentiment":"neutral","sentiment_score":0.13072070479393005},{"word":"that","start":1040.22,"end":1040.38,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11079948395490646},{"word":"with","start":1040.38,"end":1040.62,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.131843239068985},{"word":"you","start":1040.62,"end":1041.12,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.12701979279518127},{"word":"admittedly","start":1041.1799,"end":1041.66,"confidence":0.99934894,"punctuated_word":"Admittedly,","sentiment":"neutral","sentiment_score":0.03759695589542389},{"word":"you","start":1041.66,"end":1041.82,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03530468791723251},{"word":"don't","start":1041.82,"end":1042.0599,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0061765387654304504},{"word":"have","start":1042.0599,"end":1042.2999,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.04724227637052536},{"word":"a","start":1042.2999,"end":1042.38,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03633701056241989},{"word":"lot","start":1042.38,"end":1042.54,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.03333868086338043},{"word":"of","start":1042.54,"end":1042.7,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04938459396362305},{"word":"life","start":1042.7,"end":1042.94,"confidence":0.99609375,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.057102277874946594},{"word":"and","start":1042.94,"end":1043.1,"confidence":0.9223633,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04510904848575592},{"word":"tpd","start":1043.1,"end":1043.6,"confidence":0.94596356,"punctuated_word":"TPD,","sentiment":"neutral","sentiment_score":-0.032925304025411606},{"word":"but","start":1043.74,"end":1043.98,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.017288006842136383},{"word":"given","start":1043.98,"end":1044.48,"confidence":0.99121094,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.05068228393793106},{"word":"your","start":1044.815,"end":1044.975,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.032719433307647705},{"word":"health","start":1044.975,"end":1045.455,"confidence":0.9951172,"punctuated_word":"health,","sentiment":"neutral","sentiment_score":-0.03505354002118111},{"word":"it","start":1045.455,"end":1045.615,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.009020119905471802},{"word":"is","start":1045.615,"end":1045.775,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.024181902408599857},{"word":"important","start":1045.775,"end":1046.255,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":-0.07045724242925644},{"word":"to","start":1046.255,"end":1046.415,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01740841567516327},{"word":"sort","start":1046.415,"end":1046.655,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.05635852366685867},{"word":"of","start":1046.655,"end":1046.815,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02645775675773621},{"word":"make","start":1046.815,"end":1047.055,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.06390827894210815},{"word":"sure","start":1047.055,"end":1047.375,"confidence":0.9448242,"punctuated_word":"sure,","sentiment":"neutral","sentiment_score":-0.048360686749219894},{"word":"you","start":1047.375,"end":1047.615,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06690530478954315},{"word":"know","start":1047.615,"end":1047.855,"confidence":0.99121094,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.04734090715646744},{"word":"where","start":1047.855,"end":1048.335,"confidence":0.6088867,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.05132298916578293},{"word":"you","start":1048.335,"end":1048.575,"confidence":0.87890625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04014027118682861},{"word":"have","start":1048.575,"end":1048.735,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.07392461597919464},{"word":"the","start":1048.735,"end":1048.815,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08225326240062714},{"word":"best","start":1048.815,"end":1049.055,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.09580059349536896},{"word":"kind","start":1049.055,"end":1049.2151,"confidence":0.8574219,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.11248065531253816},{"word":"of","start":1049.2151,"end":1049.375,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08718930929899216},{"word":"cover","start":1049.375,"end":1049.775,"confidence":0.9980469,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.10608816146850586},{"word":"possible","start":1049.775,"end":1050.275,"confidence":0.96533203,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":-0.10800933837890624},{"word":"given","start":1050.815,"end":1051.135,"confidence":0.74560547,"punctuated_word":"Given","sentiment":"neutral","sentiment_score":-0.04727489501237869},{"word":"your","start":1051.135,"end":1051.375,"confidence":0.9873047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0713704451918602},{"word":"history","start":1051.375,"end":1051.775,"confidence":0.9995117,"punctuated_word":"history,","sentiment":"neutral","sentiment_score":-0.11248704791069032},{"word":"we're","start":1051.775,"end":1052.015,"confidence":0.99902344,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.06829948723316193},{"word":"not","start":1052.015,"end":1052.175,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0957450419664383},{"word":"able","start":1052.175,"end":1052.415,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.11452782154083252},{"word":"to","start":1052.415,"end":1052.575,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13465364277362823},{"word":"obtain","start":1052.575,"end":1052.895,"confidence":0.96972656,"punctuated_word":"obtain","sentiment":"neutral","sentiment_score":-0.16843482851982117},{"word":"any","start":1052.895,"end":1053.135,"confidence":0.72314453,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.161200612783432},{"word":"new","start":1053.135,"end":1053.295,"confidence":0.97998047,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.17780756950378418},{"word":"cover","start":1053.295,"end":1053.615,"confidence":0.9980469,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.19358457624912265},{"word":"elsewhere","start":1053.615,"end":1053.9349,"confidence":0.78637695,"punctuated_word":"elsewhere.","sentiment":"neutral","sentiment_score":-0.15743663907051086},{"word":"so","start":1053.9349,"end":1054.175,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.004745788872241974},{"word":"it's","start":1054.175,"end":1054.335,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.020925497636198997},{"word":"important","start":1054.335,"end":1054.655,"confidence":0.99902344,"punctuated_word":"important","sentiment":"neutral","sentiment_score":-0.020271487534046173},{"word":"just","start":1054.655,"end":1054.895,"confidence":0.95703125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03548248112201691},{"word":"to","start":1054.895,"end":1055.055,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02469426393508911},{"word":"keep","start":1055.055,"end":1055.215,"confidence":0.9970703,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.06252247840166092},{"word":"the","start":1055.215,"end":1055.295,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01195088028907776},{"word":"cover","start":1055.295,"end":1055.615,"confidence":0.9970703,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.04532727599143982},{"word":"you","start":1055.615,"end":1055.775,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0062940120697021484},{"word":"do","start":1055.775,"end":1056.015,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.010152578353881836},{"word":"have","start":1056.015,"end":1056.175,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01532772183418274},{"word":"for","start":1056.175,"end":1056.335,"confidence":0.9902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.02149254083633423},{"word":"the","start":1056.335,"end":1056.495,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01154949516057968},{"word":"time","start":1056.495,"end":1056.735,"confidence":0.9980469,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.005463689565658569},{"word":"being","start":1056.735,"end":1057.23,"confidence":0.9628906,"punctuated_word":"being.","sentiment":"neutral","sentiment_score":-0.01995887979865074},{"word":"but","start":1057.39,"end":1057.63,"confidence":0.9838867,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.01880393922328949},{"word":"at","start":1057.63,"end":1057.6699,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03938637673854828},{"word":"the","start":1057.6699,"end":1057.71,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.006549552083015442},{"word":"moment","start":1057.71,"end":1058.11,"confidence":0.9980469,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.00878838449716568},{"word":"you","start":1058.11,"end":1058.27,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.007142990827560425},{"word":"hold","start":1058.27,"end":1058.59,"confidence":0.95166016,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.00547713041305542},{"word":"about","start":1058.59,"end":1058.91,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.02174009382724762},{"word":"52,000","start":1058.91,"end":1059.79,"confidence":0.98860675,"punctuated_word":"52,000","sentiment":"neutral","sentiment_score":-0.001912098377943039},{"word":"in","start":1059.79,"end":1059.95,"confidence":0.9716797,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.025283463299274445},{"word":"life","start":1059.95,"end":1060.19,"confidence":0.9941406,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.019967950880527496},{"word":"cover","start":1060.19,"end":1060.4299,"confidence":0.95410156,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.022840306162834167},{"word":"within","start":1060.4299,"end":1060.83,"confidence":0.97802734,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.0030604153871536255},{"word":"cbus","start":1060.83,"end":1061.23,"confidence":0.22808838,"punctuated_word":"Cbus","sentiment":"neutral","sentiment_score":0.02701425552368164},{"word":"and","start":1061.23,"end":1061.39,"confidence":0.9375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.001199096441268921},{"word":"about","start":1061.39,"end":1061.71,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.014237731695175173},{"word":"26,000","start":1061.71,"end":1062.75,"confidence":0.99934894,"punctuated_word":"26,000","sentiment":"neutral","sentiment_score":-0.009381555020809174},{"word":"in","start":1062.75,"end":1062.83,"confidence":0.8520508,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.023415088653564453},{"word":"ppd","start":1062.83,"end":1063.33,"confidence":0.65075684,"punctuated_word":"PPD","sentiment":"neutral","sentiment_score":-0.022782988846302032},{"word":"there","start":1063.39,"end":1063.89,"confidence":0.98583984,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.03034333884716034},{"word":"unfortunately","start":1064.35,"end":1064.85,"confidence":0.98999023,"punctuated_word":"Unfortunately,","sentiment":"neutral","sentiment_score":-0.1528383493423462},{"word":"these","start":1064.91,"end":1065.15,"confidence":0.9633789,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.21806244552135468},{"word":"covers","start":1065.15,"end":1065.5499,"confidence":0.9980469,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":-0.31701168417930603},{"word":"do","start":1065.5499,"end":1065.79,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.19112089276313785},{"word":"decrease","start":1065.79,"end":1066.29,"confidence":0.99902344,"punctuated_word":"decrease","sentiment":"neutral","sentiment_score":-0.24383874237537384},{"word":"as","start":1066.35,"end":1066.51,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.3130745589733124},{"word":"you","start":1066.51,"end":1066.75,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.3316695988178253},{"word":"get","start":1066.75,"end":1066.99,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.20235854387283325},{"word":"older","start":1066.99,"end":1067.49,"confidence":0.86694336,"punctuated_word":"older,","sentiment":"neutral","sentiment_score":-0.26050102710723877},{"word":"as","start":1067.87,"end":1067.95,"confidence":0.984375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.26333922147750854},{"word":"the","start":1067.95,"end":1068.11,"confidence":0.62841797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.223710373044014},{"word":"you","start":1068.19,"end":1068.35,"confidence":0.74853516,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2305015474557877},{"word":"know","start":1068.35,"end":1068.51,"confidence":0.98876953,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.24103346467018127},{"word":"as","start":1068.51,"end":1068.75,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.15227743983268738},{"word":"you","start":1068.75,"end":1068.91,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.17785491049289703},{"word":"get","start":1068.91,"end":1069.07,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.1530570685863495},{"word":"closer","start":1069.07,"end":1069.39,"confidence":0.99609375,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":-0.2482310980558395},{"word":"to","start":1069.39,"end":1069.63,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2551637589931488},{"word":"retirement","start":1069.63,"end":1070.13,"confidence":0.8886719,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":-0.16652369499206543},{"word":"there","start":1070.19,"end":1070.4299,"confidence":0.9658203,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.23789435625076297},{"word":"but","start":1070.4299,"end":1070.59,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.01891930401325226},{"word":"we","start":1070.59,"end":1070.75,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1761500984430313},{"word":"wanna","start":1070.75,"end":1071.07,"confidence":0.94970703,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.4018719792366028},{"word":"kinda","start":1071.07,"end":1071.39,"confidence":0.52246094,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.3258560001850128},{"word":"boost","start":1071.39,"end":1071.63,"confidence":0.9941406,"punctuated_word":"boost","sentiment":"positive","sentiment_score":0.4769686162471771},{"word":"your","start":1071.63,"end":1071.87,"confidence":0.7285156,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5543009638786316},{"word":"super","start":1071.87,"end":1072.37,"confidence":0.8029785,"punctuated_word":"super.","sentiment":"positive","sentiment_score":0.4513108432292938},{"word":"and","start":1072.395,"end":1072.555,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.19963029026985168},{"word":"if","start":1072.555,"end":1072.635,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.29719045758247375},{"word":"you","start":1072.635,"end":1072.795,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2158091962337494},{"word":"wanted","start":1072.795,"end":1072.9551,"confidence":0.9951172,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.1726771891117096},{"word":"to","start":1072.9551,"end":1073.115,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1941440999507904},{"word":"look","start":1073.115,"end":1073.435,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1896313726902008},{"word":"at","start":1073.435,"end":1073.595,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.25447893142700195},{"word":"trying","start":1073.595,"end":1073.835,"confidence":0.87060547,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.26556509733200073},{"word":"to","start":1073.835,"end":1073.915,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17160998284816742},{"word":"invest","start":1073.915,"end":1074.235,"confidence":1.0,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.17958378791809082},{"word":"in","start":1074.235,"end":1074.395,"confidence":0.9873047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.26022469997406006},{"word":"other","start":1074.395,"end":1074.555,"confidence":0.9980469,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.28197675943374634},{"word":"ways","start":1074.555,"end":1074.875,"confidence":0.99902344,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":0.23931652307510376},{"word":"to","start":1074.875,"end":1074.9551,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1991603672504425},{"word":"close","start":1074.9551,"end":1075.275,"confidence":1.0,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.25319021940231323},{"word":"that","start":1075.275,"end":1075.435,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22739790380001068},{"word":"gap","start":1075.435,"end":1075.675,"confidence":0.9970703,"punctuated_word":"gap,","sentiment":"neutral","sentiment_score":0.16726675629615784},{"word":"we","start":1075.675,"end":1075.835,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.24292047321796417},{"word":"can","start":1075.835,"end":1075.995,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.27238237857818604},{"word":"also","start":1075.995,"end":1076.3151,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.209332674741745},{"word":"have","start":1076.3151,"end":1076.555,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2468573153018951},{"word":"those","start":1076.555,"end":1076.875,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2123945355415344},{"word":"conversations","start":1076.875,"end":1077.375,"confidence":0.99902344,"punctuated_word":"conversations","sentiment":"neutral","sentiment_score":0.25938212871551514},{"word":"with","start":1077.515,"end":1077.675,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.27352410554885864},{"word":"you","start":1077.675,"end":1077.835,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25815045833587646},{"word":"as","start":1077.835,"end":1078.0751,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2633959650993347},{"word":"well","start":1078.0751,"end":1078.475,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1690799742937088},{"word":"okay","start":1078.475,"end":1078.975,"confidence":0.9238281,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.13611100614070892},{"word":"beautiful","start":1080.635,"end":1081.135,"confidence":0.99902344,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.08217189460992813},{"word":"one","start":1081.515,"end":1081.755,"confidence":0.72265625,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.03851256147027016},{"word":"of","start":1081.755,"end":1081.835,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.029039379209280018},{"word":"the","start":1081.835,"end":1081.915,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0403265506029129},{"word":"things","start":1081.915,"end":1082.235,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.07674666494131088},{"word":"we","start":1082.235,"end":1082.395,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06546063721179962},{"word":"did","start":1082.395,"end":1082.555,"confidence":0.9863281,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.07969235628843307},{"word":"sorta","start":1082.555,"end":1082.875,"confidence":0.8183594,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":0.03808404132723808},{"word":"look","start":1082.875,"end":1083.115,"confidence":0.99609375,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.033418815582990646},{"word":"at","start":1083.115,"end":1083.435,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04551985487341881},{"word":"a","start":1083.435,"end":1083.595,"confidence":0.875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.042787425220012665},{"word":"while","start":1083.595,"end":1083.835,"confidence":0.99902344,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.04421308636665344},{"word":"ago","start":1083.835,"end":1084.335,"confidence":1.0,"punctuated_word":"ago","sentiment":"neutral","sentiment_score":0.03323379158973694},{"word":"was","start":1084.395,"end":1084.555,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0537966750562191},{"word":"that","start":1084.555,"end":1084.715,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04801641404628754},{"word":"you","start":1084.715,"end":1084.875,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.047530487179756165},{"word":"did","start":1084.875,"end":1085.035,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.056272413581609726},{"word":"have","start":1085.035,"end":1085.275,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04706580191850662},{"word":"a","start":1085.275,"end":1085.355,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05176861584186554},{"word":"bit","start":1085.355,"end":1085.515,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.04991196095943451},{"word":"of","start":1085.515,"end":1085.675,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05194728076457977},{"word":"cryptocurrency","start":1085.675,"end":1086.175,"confidence":0.9980469,"punctuated_word":"cryptocurrency","sentiment":"neutral","sentiment_score":0.02752687595784664},{"word":"on","start":1086.555,"end":1086.715,"confidence":0.5703125,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05711397901177406},{"word":"those","start":1086.715,"end":1086.875,"confidence":0.9970703,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.04682285338640213},{"word":"shares","start":1086.875,"end":1087.275,"confidence":0.9970703,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.04016261175274849},{"word":"there","start":1087.275,"end":1087.435,"confidence":0.89038086,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.034119680523872375},{"word":"do","start":1087.435,"end":1087.595,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.01884976215660572},{"word":"you","start":1087.595,"end":1087.74,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.023182202130556107},{"word":"still","start":1087.74,"end":1087.98,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.01936081051826477},{"word":"have","start":1087.98,"end":1088.22,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.023328037932515144},{"word":"those","start":1088.22,"end":1088.62,"confidence":0.99609375,"punctuated_word":"those?","sentiment":"neutral","sentiment_score":0.03472086042165756},{"word":"did","start":1088.62,"end":1088.86,"confidence":0.9970703,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.01898808218538761},{"word":"you","start":1088.86,"end":1089.1799,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02375667169690132},{"word":"have","start":1089.26,"end":1089.42,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01904275268316269},{"word":"they","start":1089.42,"end":1089.82,"confidence":0.9394531,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.03780852630734444},{"word":"grown","start":1089.82,"end":1090.22,"confidence":0.7529297,"punctuated_word":"grown,","sentiment":"neutral","sentiment_score":0.03253613039851189},{"word":"or","start":1090.22,"end":1090.38,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.024955207481980324},{"word":"what","start":1090.38,"end":1090.46,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.022115636616945267},{"word":"have","start":1090.46,"end":1090.62,"confidence":0.80078125,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.024837739765644073},{"word":"they","start":1090.62,"end":1090.78,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.02963099256157875},{"word":"been","start":1090.78,"end":1090.94,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.01605195365846157},{"word":"doing","start":1090.94,"end":1091.1799,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.03104495257139206},{"word":"this","start":1091.1799,"end":1091.6799,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.02856307290494442},{"word":"year","start":1091.98,"end":1092.48,"confidence":1.0,"punctuated_word":"year?","sentiment":"neutral","sentiment_score":0.040139127522706985},{"word":"yeah","start":1097.1,"end":1097.6,"confidence":0.9880371,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03786113485693931},{"word":"yep","start":1110.235,"end":1110.635,"confidence":0.8469238,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04701550304889679},{"word":"yep","start":1110.635,"end":1111.135,"confidence":0.876709,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0532236322760582},{"word":"yep","start":1111.595,"end":1112.095,"confidence":0.98168945,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09839114546775818},{"word":"yeah","start":1132.0951,"end":1132.495,"confidence":0.84399414,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13831159472465515},{"word":"oh","start":1132.495,"end":1132.995,"confidence":0.9748535,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.44660454988479614},{"word":"fantastic","start":1133.055,"end":1133.555,"confidence":0.9980469,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.5920541286468506},{"word":"oh","start":1139.87,"end":1140.2699,"confidence":0.9916992,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.43706345558166504},{"word":"fantastic","start":1140.2699,"end":1140.7699,"confidence":0.9995117,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.5914440155029297},{"word":"excellent","start":1141.47,"end":1141.97,"confidence":0.99902344,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5687509775161743},{"word":"and","start":1142.19,"end":1142.35,"confidence":0.99902344,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.34821227192878723},{"word":"that","start":1142.35,"end":1142.5099,"confidence":0.55126953,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3945891261100769},{"word":"and","start":1142.59,"end":1142.6699,"confidence":0.9980469,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.35493212938308716},{"word":"that's","start":1142.6699,"end":1142.99,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.3442647457122803},{"word":"all","start":1142.99,"end":1143.1499,"confidence":0.9375,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.24500422179698944},{"word":"going","start":1143.1499,"end":1143.47,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.3495314121246338},{"word":"towards","start":1143.47,"end":1143.87,"confidence":0.9970703,"punctuated_word":"towards","sentiment":"positive","sentiment_score":0.3458941876888275},{"word":"your","start":1143.87,"end":1144.19,"confidence":0.94384766,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.38642945885658264},{"word":"offset","start":1144.19,"end":1144.59,"confidence":0.97998047,"punctuated_word":"offset","sentiment":"positive","sentiment_score":0.3450374901294708},{"word":"account","start":1144.59,"end":1144.9099,"confidence":0.99902344,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.31882399320602417},{"word":"to","start":1144.9099,"end":1144.99,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3612272441387177},{"word":"help","start":1144.99,"end":1145.23,"confidence":1.0,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.36414024233818054},{"word":"pay","start":1145.23,"end":1145.3899,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.32953399419784546},{"word":"your","start":1145.3899,"end":1145.5499,"confidence":0.984375,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3443010747432709},{"word":"loan","start":1145.5499,"end":1145.7899,"confidence":0.99902344,"punctuated_word":"loan","sentiment":"positive","sentiment_score":0.3701282739639282},{"word":"down","start":1145.7899,"end":1146.0299,"confidence":1.0,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.3433765470981598},{"word":"a","start":1146.0299,"end":1146.11,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.36803585290908813},{"word":"little","start":1146.11,"end":1146.35,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.2843378186225891},{"word":"bit","start":1146.35,"end":1146.4299,"confidence":0.9921875,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.24404095113277435},{"word":"is","start":1146.4299,"end":1146.59,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.13959819078445437},{"word":"that","start":1146.59,"end":1146.75,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21185141801834104},{"word":"right","start":1146.75,"end":1146.99,"confidence":0.76953125,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.16462987661361694},{"word":"that","start":1146.99,"end":1147.23,"confidence":0.99609375,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.08133535087108612},{"word":"savings","start":1147.23,"end":1147.73,"confidence":0.967041,"punctuated_word":"savings?","sentiment":"neutral","sentiment_score":0.0932069644331932},{"word":"yeah","start":1149.245,"end":1149.745,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13905735313892365},{"word":"yeah","start":1150.205,"end":1150.6849,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.25995224714279175},{"word":"beautiful","start":1150.6849,"end":1151.1849,"confidence":0.98999023,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.508461594581604},{"word":"and","start":1151.4049,"end":1151.6449,"confidence":0.8664551,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.22525951266288757},{"word":"hopefully","start":1151.6449,"end":1152.0449,"confidence":1.0,"punctuated_word":"hopefully,","sentiment":"neutral","sentiment_score":0.2465549111366272},{"word":"a","start":1152.0449,"end":1152.205,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17826993763446808},{"word":"pay","start":1152.205,"end":1152.365,"confidence":0.9873047,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.11405166983604433},{"word":"rise","start":1152.365,"end":1152.6849,"confidence":0.9428711,"punctuated_word":"rise","sentiment":"neutral","sentiment_score":0.12141209095716476},{"word":"coming","start":1152.6849,"end":1153.005,"confidence":0.77441406,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.1336740255355835},{"word":"up","start":1153.005,"end":1153.1649,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1165911704301834},{"word":"for","start":1153.1649,"end":1153.325,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09439338743686676},{"word":"you","start":1153.325,"end":1153.485,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13817942142486572},{"word":"as","start":1153.485,"end":1153.6449,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1565512716770172},{"word":"well","start":1153.6449,"end":1153.8049,"confidence":0.99902344,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.12021483480930328},{"word":"are","start":1153.8049,"end":1153.965,"confidence":0.9194336,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.032677970826625824},{"word":"you","start":1153.965,"end":1154.125,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03551186993718147},{"word":"due","start":1154.125,"end":1154.2849,"confidence":0.99902344,"punctuated_word":"due","sentiment":"neutral","sentiment_score":0.04781008139252663},{"word":"for","start":1154.2849,"end":1154.445,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03220614790916443},{"word":"a","start":1154.445,"end":1154.5249,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03369305282831192},{"word":"pay","start":1154.5249,"end":1154.765,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.02323111519217491},{"word":"rise","start":1154.765,"end":1155.005,"confidence":0.984375,"punctuated_word":"rise","sentiment":"neutral","sentiment_score":0.029367920011281967},{"word":"soon","start":1155.005,"end":1155.505,"confidence":0.982666,"punctuated_word":"soon?","sentiment":"neutral","sentiment_score":0.03692068159580231},{"word":"yeah","start":1162.62,"end":1162.86,"confidence":0.9489746,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13322608172893524},{"word":"nice","start":1162.86,"end":1163.26,"confidence":0.9489746,"punctuated_word":"Nice.","sentiment":"neutral","sentiment_score":0.22910510003566745},{"word":"so","start":1163.26,"end":1163.4199,"confidence":0.97314453,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0950346291065216},{"word":"hopefully","start":1163.4199,"end":1163.82,"confidence":0.5683594,"punctuated_word":"hopefully","sentiment":"neutral","sentiment_score":0.08669529855251312},{"word":"end","start":1163.82,"end":1163.98,"confidence":0.4567871,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.10448378324508668},{"word":"of","start":1163.98,"end":1164.0599,"confidence":0.99121094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10924842953681946},{"word":"this","start":1164.0599,"end":1164.2999,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.13442888855934143},{"word":"year","start":1164.2999,"end":1164.5399,"confidence":0.92456055,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.12521567940711975},{"word":"another","start":1164.5399,"end":1164.94,"confidence":0.9970703,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.1243722438812256},{"word":"one","start":1164.94,"end":1165.1799,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.12924087047576904},{"word":"for","start":1165.1799,"end":1165.4199,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08762533217668533},{"word":"you","start":1165.4199,"end":1165.9199,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1188555657863617},{"word":"cross","start":1166.86,"end":1167.1,"confidence":0.8574219,"punctuated_word":"Cross","sentiment":"neutral","sentiment_score":0.021505888551473618},{"word":"your","start":1167.1,"end":1167.34,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03654909133911133},{"word":"fingers","start":1167.34,"end":1167.84,"confidence":0.9951172,"punctuated_word":"fingers.","sentiment":"neutral","sentiment_score":0.04140402749180794},{"word":"oh","start":1168.62,"end":1168.94,"confidence":0.8400879,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.02217470295727253},{"word":"are","start":1168.94,"end":1169.1,"confidence":0.9902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.015848003327846527},{"word":"you","start":1169.1,"end":1169.6,"confidence":0.9946289,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.015577076934278011},{"word":"oh","start":1171.02,"end":1171.4199,"confidence":0.9975586,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.43603456020355225},{"word":"fantastic","start":1171.4199,"end":1171.9199,"confidence":1.0,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.5133101344108582},{"word":"well","start":1172.0599,"end":1172.2999,"confidence":0.99853516,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.4229276776313782},{"word":"good","start":1172.2999,"end":1172.46,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.608472466468811},{"word":"luck","start":1172.46,"end":1172.7,"confidence":1.0,"punctuated_word":"luck","sentiment":"positive","sentiment_score":0.6493158936500549},{"word":"with","start":1172.7,"end":1172.86,"confidence":0.99902344,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6353029608726501},{"word":"that","start":1172.86,"end":1173.1,"confidence":0.95458984,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5496112108230591},{"word":"i","start":1173.1,"end":1173.1799,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5492832660675049},{"word":"hope","start":1173.1799,"end":1173.4199,"confidence":1.0,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.6344603896141052},{"word":"it","start":1173.4199,"end":1173.58,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4987163543701172},{"word":"all","start":1173.58,"end":1173.74,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4668940305709839},{"word":"goes","start":1173.74,"end":1173.98,"confidence":1.0,"punctuated_word":"goes","sentiment":"positive","sentiment_score":0.5073032975196838},{"word":"really","start":1173.98,"end":1174.22,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.4904686510562897},{"word":"well","start":1174.22,"end":1174.62,"confidence":1.0,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.49024179577827454},{"word":"keep","start":1174.62,"end":1174.86,"confidence":1.0,"punctuated_word":"Keep","sentiment":"positive","sentiment_score":0.4157609045505524},{"word":"us","start":1174.86,"end":1175.1,"confidence":1.0,"punctuated_word":"us","sentiment":"positive","sentiment_score":0.3591550886631012},{"word":"updated","start":1175.1,"end":1175.58,"confidence":1.0,"punctuated_word":"updated","sentiment":"positive","sentiment_score":0.38215115666389465},{"word":"there","start":1175.58,"end":1176.08,"confidence":0.99609375,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.3287132978439331},{"word":"you","start":1176.6951,"end":1176.775,"confidence":0.84472656,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.0407903864979744},{"word":"know","start":1176.775,"end":1177.095,"confidence":0.9316406,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.048835258930921555},{"word":"obviously","start":1177.095,"end":1177.495,"confidence":0.9819336,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.05292501300573349},{"word":"with","start":1177.495,"end":1177.735,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04740147292613983},{"word":"a","start":1177.735,"end":1177.8151,"confidence":0.7324219,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0366833470761776},{"word":"pay","start":1177.8151,"end":1177.975,"confidence":0.9902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.032510895282030106},{"word":"rise","start":1177.975,"end":1178.295,"confidence":0.96850586,"punctuated_word":"rise,","sentiment":"neutral","sentiment_score":0.05932660028338432},{"word":"it","start":1178.295,"end":1178.455,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06238351762294769},{"word":"does","start":1178.455,"end":1178.615,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.014773324131965635},{"word":"come","start":1178.615,"end":1178.775,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.06487537920475006},{"word":"with","start":1178.775,"end":1178.855,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03183337301015854},{"word":"a","start":1178.855,"end":1178.935,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.011181846261024477},{"word":"bit","start":1178.935,"end":1179.175,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.006464757025241852},{"word":"more","start":1179.175,"end":1179.335,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.007275655865669251},{"word":"money","start":1179.335,"end":1179.575,"confidence":0.80688477,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":0.01824035868048668},{"word":"you","start":1179.575,"end":1179.735,"confidence":0.6166992,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.050910308957099915},{"word":"pay","start":1179.735,"end":1180.055,"confidence":0.30371094,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.04295690730214119},{"word":"a","start":1180.055,"end":1180.135,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.058184124529361725},{"word":"little","start":1180.135,"end":1180.295,"confidence":0.9980469,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.05239246040582657},{"word":"bit","start":1180.295,"end":1180.375,"confidence":0.9951172,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.0709158182144165},{"word":"more","start":1180.375,"end":1180.615,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.05886939540505409},{"word":"taxes","start":1180.615,"end":1180.935,"confidence":0.6496582,"punctuated_word":"taxes.","sentiment":"neutral","sentiment_score":-0.012589961290359495},{"word":"well","start":1180.935,"end":1181.095,"confidence":0.9758301,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.023829016834497452},{"word":"unfortunately","start":1181.095,"end":1181.595,"confidence":0.9951172,"punctuated_word":"unfortunately,","sentiment":"neutral","sentiment_score":-0.04970008134841919},{"word":"the","start":1181.655,"end":1181.735,"confidence":0.61083984,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1352594792842865},{"word":"tax","start":1181.735,"end":1182.055,"confidence":0.9770508,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.07386720180511475},{"word":"penalties","start":1182.055,"end":1182.375,"confidence":0.14916992,"punctuated_word":"penalties","sentiment":"neutral","sentiment_score":-0.11532927304506302},{"word":"are","start":1182.375,"end":1182.535,"confidence":0.87841797,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.1404482126235962},{"word":"coming","start":1182.535,"end":1182.855,"confidence":0.9770508,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.15969397127628326},{"word":"no","start":1182.855,"end":1183.015,"confidence":0.9951172,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.1317489743232727},{"word":"matter","start":1183.015,"end":1183.255,"confidence":1.0,"punctuated_word":"matter","sentiment":"neutral","sentiment_score":-0.07762011885643005},{"word":"what","start":1183.255,"end":1183.415,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.061286985874176025},{"word":"we","start":1183.415,"end":1183.575,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0454292818903923},{"word":"do","start":1183.575,"end":1184.075,"confidence":0.9736328,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":-0.09941035509109496},{"word":"but","start":1184.375,"end":1184.535,"confidence":0.9902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.02976462244987488},{"word":"if","start":1184.535,"end":1184.6951,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13024672865867615},{"word":"you","start":1184.6951,"end":1184.855,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13476474583148956},{"word":"ever","start":1184.855,"end":1185.015,"confidence":0.8701172,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.20869797468185425},{"word":"you","start":1185.175,"end":1185.255,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11574607342481612},{"word":"know","start":1185.255,"end":1185.415,"confidence":0.99365234,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.17780941724777222},{"word":"if","start":1185.415,"end":1185.495,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2282988578081131},{"word":"you","start":1185.495,"end":1185.655,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18385520577430725},{"word":"find","start":1185.655,"end":1185.8151,"confidence":0.88183594,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.2572132349014282},{"word":"you","start":1185.8151,"end":1185.975,"confidence":0.96875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21665997803211212},{"word":"do","start":1185.975,"end":1186.135,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.20808586478233335},{"word":"have","start":1186.135,"end":1186.295,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.25020185112953186},{"word":"a","start":1186.295,"end":1186.375,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2469890862703323},{"word":"bit","start":1186.375,"end":1186.535,"confidence":0.9902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.24172255396842957},{"word":"of","start":1186.535,"end":1186.6951,"confidence":0.99121094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.25393855571746826},{"word":"extra","start":1186.6951,"end":1186.935,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.22088849544525144},{"word":"cash","start":1186.935,"end":1187.175,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.2636820375919342},{"word":"there","start":1187.175,"end":1187.415,"confidence":0.4482422,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2871505916118622},{"word":"that","start":1187.415,"end":1187.575,"confidence":0.98535156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2872406244277954},{"word":"you","start":1187.575,"end":1187.655,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27440008521080017},{"word":"wanna","start":1187.655,"end":1187.975,"confidence":0.9941406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.27100706100463867},{"word":"maybe","start":1187.975,"end":1188.215,"confidence":0.9902344,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.24625979363918304},{"word":"look","start":1188.215,"end":1188.375,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.24905486404895785},{"word":"at","start":1188.375,"end":1188.535,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.21554034948349},{"word":"extra","start":1188.535,"end":1188.855,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.2131868451833725},{"word":"contributions","start":1188.855,"end":1189.355,"confidence":0.91674805,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":0.22923403978347776},{"word":"feel","start":1189.415,"end":1189.655,"confidence":0.99902344,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.2559148371219635},{"word":"free","start":1189.655,"end":1189.895,"confidence":1.0,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.2753446400165558},{"word":"to","start":1189.895,"end":1190.055,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2659379839897156},{"word":"let","start":1190.055,"end":1190.215,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2795456051826477},{"word":"me","start":1190.215,"end":1190.375,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.26058369874954224},{"word":"know","start":1190.375,"end":1190.76,"confidence":0.9970703,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.297311395406723},{"word":"those","start":1191.0,"end":1191.24,"confidence":0.98535156,"punctuated_word":"Those","sentiment":"positive","sentiment_score":0.4569980800151825},{"word":"sorts","start":1191.24,"end":1191.4,"confidence":0.78222656,"punctuated_word":"sorts","sentiment":"positive","sentiment_score":0.4985738396644592},{"word":"of","start":1191.4,"end":1191.64,"confidence":0.9970703,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5595245361328125},{"word":"things","start":1191.64,"end":1191.88,"confidence":0.99902344,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.6179824471473694},{"word":"can","start":1191.88,"end":1192.12,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.6062756776809692},{"word":"definitely","start":1192.12,"end":1192.4401,"confidence":1.0,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.6630553603172302},{"word":"provide","start":1192.4401,"end":1192.68,"confidence":0.99902344,"punctuated_word":"provide","sentiment":"positive","sentiment_score":0.5709567070007324},{"word":"a","start":1192.68,"end":1192.84,"confidence":0.9838867,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5840146541595459},{"word":"boost","start":1192.84,"end":1193.08,"confidence":0.9892578,"punctuated_word":"boost","sentiment":"positive","sentiment_score":0.5033655762672424},{"word":"to","start":1193.08,"end":1193.24,"confidence":0.78271484,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5882563591003418},{"word":"your","start":1193.24,"end":1193.4,"confidence":0.8642578,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6572837829589844},{"word":"super","start":1193.4,"end":1193.9,"confidence":0.94311523,"punctuated_word":"super.","sentiment":"positive","sentiment_score":0.5095865726470947},{"word":"and","start":1194.4401,"end":1194.6,"confidence":0.93847656,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3858223557472229},{"word":"starting","start":1194.6,"end":1195.08,"confidence":1.0,"punctuated_word":"starting","sentiment":"positive","sentiment_score":0.45159345865249634},{"word":"earlier","start":1195.08,"end":1195.58,"confidence":0.99316406,"punctuated_word":"earlier","sentiment":"positive","sentiment_score":0.43968403339385986},{"word":"helps","start":1195.8,"end":1196.12,"confidence":0.9863281,"punctuated_word":"helps","sentiment":"positive","sentiment_score":0.44645875692367554},{"word":"the","start":1196.12,"end":1196.36,"confidence":0.9941406,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.37180036306381226},{"word":"compounding","start":1196.36,"end":1196.86,"confidence":0.99853516,"punctuated_word":"compounding","sentiment":"positive","sentiment_score":0.4501115083694458},{"word":"effect","start":1196.92,"end":1197.24,"confidence":0.9506836,"punctuated_word":"effect","sentiment":"positive","sentiment_score":0.5001757740974426},{"word":"rather","start":1197.24,"end":1197.56,"confidence":0.9941406,"punctuated_word":"rather","sentiment":"positive","sentiment_score":0.3603387176990509},{"word":"than","start":1197.56,"end":1197.72,"confidence":0.99902344,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.34029510617256165},{"word":"later","start":1197.72,"end":1198.04,"confidence":1.0,"punctuated_word":"later","sentiment":"positive","sentiment_score":0.44960659742355347},{"word":"as","start":1198.04,"end":1198.2,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4276135265827179},{"word":"well","start":1198.2,"end":1198.36,"confidence":0.8996582,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1803345233201981},{"word":"and","start":1198.36,"end":1198.6,"confidence":0.99902344,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.5132909417152405},{"word":"something","start":1198.6,"end":1198.92,"confidence":0.9951172,"punctuated_word":"something","sentiment":"positive","sentiment_score":0.6473293900489807},{"word":"as","start":1198.92,"end":1199.08,"confidence":0.9980469,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.704007625579834},{"word":"simple","start":1199.08,"end":1199.3201,"confidence":1.0,"punctuated_word":"simple","sentiment":"positive","sentiment_score":0.66301029920578},{"word":"as","start":1199.3201,"end":1199.48,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.7037108540534973},{"word":"20","start":1199.48,"end":1199.8,"confidence":1.0,"punctuated_word":"20","sentiment":"positive","sentiment_score":0.6621569991111755},{"word":"or","start":1199.8,"end":1199.96,"confidence":0.9819336,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.6902515292167664},{"word":"$50","start":1199.96,"end":1200.52,"confidence":0.99902344,"punctuated_word":"$50","sentiment":"positive","sentiment_score":0.6621673703193665},{"word":"a","start":1200.52,"end":1200.68,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7035248279571533},{"word":"week","start":1200.68,"end":1200.84,"confidence":1.0,"punctuated_word":"week","sentiment":"positive","sentiment_score":0.6844668388366699},{"word":"or","start":1200.84,"end":1201.0,"confidence":0.98828125,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.694658637046814},{"word":"a","start":1201.0,"end":1201.16,"confidence":0.99121094,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7213655710220337},{"word":"fortnight","start":1201.16,"end":1201.64,"confidence":1.0,"punctuated_word":"fortnight","sentiment":"positive","sentiment_score":0.6704838275909424},{"word":"can","start":1201.64,"end":1201.8,"confidence":0.9970703,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.7827432751655579},{"word":"make","start":1201.8,"end":1202.04,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.8144239187240601},{"word":"a","start":1202.04,"end":1202.12,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.8340486288070679},{"word":"difference","start":1202.12,"end":1202.52,"confidence":1.0,"punctuated_word":"difference","sentiment":"positive","sentiment_score":0.750819742679596},{"word":"over","start":1202.52,"end":1202.76,"confidence":0.99902344,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.8019079566001892},{"word":"the","start":1202.76,"end":1202.92,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7996158599853516},{"word":"next","start":1202.92,"end":1203.16,"confidence":0.99902344,"punctuated_word":"next","sentiment":"positive","sentiment_score":0.6449018716812134},{"word":"ten","start":1203.16,"end":1203.48,"confidence":1.0,"punctuated_word":"ten","sentiment":"positive","sentiment_score":0.6444823741912842},{"word":"years","start":1203.48,"end":1203.88,"confidence":0.99902344,"punctuated_word":"years","sentiment":"positive","sentiment_score":0.6635134816169739},{"word":"as","start":1203.88,"end":1204.04,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.6883739233016968},{"word":"well","start":1204.04,"end":1204.28,"confidence":0.98168945,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.5773651003837585},{"word":"so","start":1204.28,"end":1204.755,"confidence":0.9970703,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4177781045436859},{"word":"let","start":1205.155,"end":1205.235,"confidence":0.99902344,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.412819504737854},{"word":"me","start":1205.235,"end":1205.3151,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.3984335064888001},{"word":"know","start":1205.3151,"end":1205.475,"confidence":1.0,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.357428640127182},{"word":"if","start":1205.475,"end":1205.635,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.33266782760620117},{"word":"it's","start":1205.635,"end":1205.715,"confidence":0.9399414,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.3326058089733124},{"word":"something","start":1205.715,"end":1205.955,"confidence":1.0,"punctuated_word":"something","sentiment":"positive","sentiment_score":0.34185269474983215},{"word":"you","start":1205.955,"end":1206.195,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24770809710025787},{"word":"wanna","start":1206.195,"end":1206.355,"confidence":0.99609375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.25847887992858887},{"word":"look","start":1206.355,"end":1206.515,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.284267783164978},{"word":"at","start":1206.515,"end":1206.675,"confidence":0.98291016,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2891954481601715},{"word":"or","start":1206.675,"end":1206.835,"confidence":0.96435547,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2750101089477539},{"word":"if","start":1206.835,"end":1206.995,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.23513031005859375},{"word":"you","start":1206.995,"end":1207.075,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24407333135604856},{"word":"find","start":1207.075,"end":1207.395,"confidence":1.0,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.22401869297027588},{"word":"your","start":1207.395,"end":1207.555,"confidence":0.9614258,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2133545428514481},{"word":"cash","start":1207.555,"end":1207.875,"confidence":0.9921875,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.19058609008789065},{"word":"flow","start":1207.875,"end":1208.115,"confidence":0.9633789,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":0.26500004529953003},{"word":"allowed","start":1208.115,"end":1208.515,"confidence":0.52978516,"punctuated_word":"allowed","sentiment":"neutral","sentiment_score":0.3260003328323364},{"word":"for","start":1208.515,"end":1208.755,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2287943810224533},{"word":"it","start":1208.755,"end":1209.255,"confidence":0.99609375,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.22507244348526},{"word":"okay","start":1209.395,"end":1209.895,"confidence":0.6843262,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.1503829061985016},{"word":"on","start":1211.715,"end":1212.035,"confidence":0.7758789,"punctuated_word":"On","sentiment":"neutral","sentiment_score":0.11988236755132677},{"word":"page","start":1212.035,"end":1212.275,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.1512058973312378},{"word":"number","start":1212.275,"end":1212.595,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.13480880856513977},{"word":"24","start":1212.595,"end":1213.075,"confidence":0.9995117,"punctuated_word":"24","sentiment":"neutral","sentiment_score":0.1492268145084381},{"word":"at","start":1213.075,"end":1213.3151,"confidence":0.71484375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.13514463603496552},{"word":"the","start":1213.3151,"end":1213.475,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1293845772743225},{"word":"very","start":1213.475,"end":1213.715,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.103767491877079},{"word":"bottom","start":1213.715,"end":1214.035,"confidence":1.0,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.11647862195968628},{"word":"there","start":1214.035,"end":1214.195,"confidence":0.9926758,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.1248672753572464},{"word":"we","start":1214.195,"end":1214.355,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1592319905757904},{"word":"do","start":1214.355,"end":1214.595,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.22124440968036652},{"word":"have","start":1214.595,"end":1214.755,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1819944828748703},{"word":"a","start":1214.755,"end":1214.835,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16804781556129456},{"word":"bit","start":1214.835,"end":1214.995,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.18722660839557648},{"word":"of","start":1214.995,"end":1215.155,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16879403591156006},{"word":"a","start":1215.155,"end":1215.3151,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11050677299499512},{"word":"different","start":1215.3151,"end":1215.635,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.04398129507899285},{"word":"table","start":1215.635,"end":1216.035,"confidence":1.0,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.09112395346164703},{"word":"for","start":1216.035,"end":1216.115,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1071769967675209},{"word":"you","start":1216.115,"end":1216.355,"confidence":0.9975586,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.08335834741592407},{"word":"so","start":1216.355,"end":1216.515,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16665051877498627},{"word":"the","start":1216.515,"end":1216.675,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19966290891170504},{"word":"projection","start":1216.675,"end":1217.175,"confidence":0.96435547,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":0.1778787076473236},{"word":"shows","start":1217.235,"end":1217.475,"confidence":0.984375,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.17896127700805664},{"word":"the","start":1217.475,"end":1217.715,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1726294755935669},{"word":"current","start":1217.715,"end":1217.955,"confidence":0.99902344,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.20277446508407593},{"word":"and","start":1217.955,"end":1218.275,"confidence":0.44921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21273306012153623},{"word":"recommended","start":1218.275,"end":1218.775,"confidence":0.8720703,"punctuated_word":"recommended,","sentiment":"neutral","sentiment_score":0.2049032598733902},{"word":"and","start":1218.835,"end":1218.995,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2350926697254181},{"word":"this","start":1218.995,"end":1219.235,"confidence":0.98291016,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.301984578371048},{"word":"is","start":1219.235,"end":1219.395,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2770185172557831},{"word":"exactly","start":1219.395,"end":1219.875,"confidence":0.9980469,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.2721778154373169},{"word":"the","start":1219.875,"end":1220.115,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25978729128837585},{"word":"same","start":1220.115,"end":1220.615,"confidence":1.0,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.17422467470169067},{"word":"however","start":1220.8,"end":1221.12,"confidence":1.0,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":0.03207061067223549},{"word":"the","start":1221.12,"end":1221.36,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.006892666220664978},{"word":"difference","start":1221.36,"end":1221.6,"confidence":0.9951172,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":-0.06518096476793289},{"word":"in","start":1221.6,"end":1221.84,"confidence":0.56689453,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05720001459121704},{"word":"the","start":1221.84,"end":1221.92,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04288429021835327},{"word":"last","start":1221.92,"end":1222.16,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.05617216229438782},{"word":"column","start":1222.16,"end":1222.48,"confidence":0.99902344,"punctuated_word":"column","sentiment":"neutral","sentiment_score":-0.10819532722234726},{"word":"is","start":1222.48,"end":1222.72,"confidence":0.98095703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0771065205335617},{"word":"no","start":1222.72,"end":1222.96,"confidence":0.9970703,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.10564879328012466},{"word":"insurances","start":1222.96,"end":1223.46,"confidence":0.95784503,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":-0.11180581152439116},{"word":"so","start":1223.76,"end":1224.16,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.024003788828849792},{"word":"we","start":1224.16,"end":1224.3201,"confidence":0.99316406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.002992957830429077},{"word":"all","start":1224.3201,"end":1224.56,"confidence":0.99316406,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.012344956398010254},{"word":"have","start":1224.56,"end":1224.8,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.033435091376304626},{"word":"insurances","start":1224.8,"end":1225.3,"confidence":0.99072266,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":-0.024504076689481735},{"word":"it's","start":1225.4401,"end":1225.68,"confidence":0.99658203,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.06498920172452927},{"word":"important","start":1225.68,"end":1226.16,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.030095309019088745},{"word":"to","start":1226.16,"end":1226.24,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15949729084968567},{"word":"have","start":1226.24,"end":1226.48,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17110198736190796},{"word":"those","start":1226.48,"end":1226.72,"confidence":0.9526367,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.09451498091220856},{"word":"kinds","start":1226.72,"end":1226.96,"confidence":0.9506836,"punctuated_word":"kinds","sentiment":"neutral","sentiment_score":0.06861366331577301},{"word":"of","start":1226.96,"end":1227.12,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04497624933719635},{"word":"cover","start":1227.12,"end":1227.52,"confidence":0.9428711,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.025286927819252018},{"word":"to","start":1227.52,"end":1227.68,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.008228600025177002},{"word":"protect","start":1227.68,"end":1228.08,"confidence":1.0,"punctuated_word":"protect","sentiment":"neutral","sentiment_score":0.04236774146556854},{"word":"us","start":1228.08,"end":1228.24,"confidence":0.9970703,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.14741191267967224},{"word":"in","start":1228.24,"end":1228.4,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0968475416302681},{"word":"the","start":1228.4,"end":1228.56,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1312219351530075},{"word":"event","start":1228.56,"end":1228.88,"confidence":0.99902344,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.09457513689994812},{"word":"that","start":1228.88,"end":1229.04,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1347898542881012},{"word":"something","start":1229.04,"end":1229.4401,"confidence":0.9980469,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.03867564350366592},{"word":"was","start":1229.4401,"end":1229.68,"confidence":0.9951172,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.028572186827659607},{"word":"to","start":1229.68,"end":1229.84,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02456030249595642},{"word":"happen","start":1229.84,"end":1230.34,"confidence":0.99853516,"punctuated_word":"happen.","sentiment":"neutral","sentiment_score":0.0021599233150482178},{"word":"however","start":1230.72,"end":1231.2001,"confidence":0.90527344,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":0.11125154793262482},{"word":"this","start":1231.2001,"end":1231.36,"confidence":0.99609375,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1300242692232132},{"word":"sort","start":1231.36,"end":1231.6,"confidence":0.99121094,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1077270209789276},{"word":"of","start":1231.6,"end":1231.68,"confidence":0.95703125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16339147090911865},{"word":"shows","start":1231.68,"end":1232.0,"confidence":0.99316406,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.11658746004104614},{"word":"you","start":1232.0,"end":1232.16,"confidence":0.95947266,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1578715592622757},{"word":"if","start":1232.16,"end":1232.3201,"confidence":0.8354492,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17631801962852478},{"word":"you","start":1232.3201,"end":1232.48,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1524112969636917},{"word":"didn't","start":1232.48,"end":1232.8,"confidence":0.9975586,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":0.0718517005443573},{"word":"have","start":1232.8,"end":1233.04,"confidence":0.984375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0046553537249565125},{"word":"cover","start":1233.04,"end":1233.36,"confidence":0.9445801,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":0.022325698286294937},{"word":"everything","start":1233.36,"end":1233.735,"confidence":0.94140625,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.19573472440242767},{"word":"was","start":1233.735,"end":1233.975,"confidence":0.9448242,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.16332390904426575},{"word":"in","start":1233.975,"end":1234.135,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20561526715755463},{"word":"kind","start":1234.135,"end":1234.215,"confidence":0.98828125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.166155606508255},{"word":"of","start":1234.215,"end":1234.455,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2000044584274292},{"word":"one","start":1234.455,"end":1234.695,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.2511376738548279},{"word":"place","start":1234.695,"end":1234.9349,"confidence":0.9951172,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.2547810673713684},{"word":"and","start":1234.9349,"end":1235.1749,"confidence":0.5175781,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24796833097934723},{"word":"you","start":1235.1749,"end":1235.335,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.37987273931503296},{"word":"still","start":1235.335,"end":1235.575,"confidence":0.97509766,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.3523065447807312},{"word":"got","start":1235.575,"end":1235.735,"confidence":0.9716797,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.37627702951431274},{"word":"the","start":1235.735,"end":1235.895,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.31524980068206787},{"word":"same","start":1235.895,"end":1236.135,"confidence":0.99902344,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.3929723799228668},{"word":"return","start":1236.135,"end":1236.535,"confidence":0.9970703,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.4668816924095154},{"word":"projected","start":1236.535,"end":1237.035,"confidence":0.99121094,"punctuated_word":"projected","sentiment":"positive","sentiment_score":0.37882623076438904},{"word":"above","start":1237.095,"end":1237.595,"confidence":0.93896484,"punctuated_word":"above.","sentiment":"neutral","sentiment_score":0.27328765392303467},{"word":"essentially","start":1238.0549,"end":1238.535,"confidence":0.98657227,"punctuated_word":"Essentially,","sentiment":"positive","sentiment_score":0.3664523959159851},{"word":"you","start":1238.535,"end":1238.615,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5322404503822327},{"word":"could","start":1238.615,"end":1239.015,"confidence":1.0,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.5398221015930176},{"word":"see","start":1239.015,"end":1239.335,"confidence":0.8461914,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.5427619218826294},{"word":"just","start":1239.335,"end":1239.575,"confidence":0.76123047,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4768490493297577},{"word":"a","start":1239.575,"end":1239.815,"confidence":0.9760742,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5881365537643433},{"word":"a","start":1239.815,"end":1239.895,"confidence":0.7993164,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5583558082580566},{"word":"greater","start":1239.895,"end":1240.215,"confidence":0.9658203,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.4738820791244507},{"word":"gain","start":1240.215,"end":1240.695,"confidence":0.9951172,"punctuated_word":"gain","sentiment":"positive","sentiment_score":0.5500009655952454},{"word":"in","start":1240.695,"end":1240.9349,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5264099836349487},{"word":"your","start":1240.9349,"end":1241.4349,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5060157775878906},{"word":"ten","start":1241.655,"end":1241.895,"confidence":0.93603516,"punctuated_word":"ten","sentiment":"positive","sentiment_score":0.45928311347961426},{"word":"year","start":1241.895,"end":1242.135,"confidence":0.99121094,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.4567790627479553},{"word":"projection","start":1242.135,"end":1242.635,"confidence":0.8894043,"punctuated_word":"projection.","sentiment":"positive","sentiment_score":0.4160563349723816},{"word":"it's","start":1243.335,"end":1243.735,"confidence":0.82250977,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.24494026601314545},{"word":"admittedly","start":1243.895,"end":1244.395,"confidence":0.9975586,"punctuated_word":"admittedly,","sentiment":"neutral","sentiment_score":0.1971742957830429},{"word":"it's","start":1244.535,"end":1244.775,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.14151819050312042},{"word":"only","start":1244.775,"end":1245.095,"confidence":0.9707031,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.0776258111000061},{"word":"minimal","start":1245.095,"end":1245.595,"confidence":0.99560547,"punctuated_word":"minimal.","sentiment":"neutral","sentiment_score":0.09358615428209303},{"word":"your","start":1245.975,"end":1246.215,"confidence":0.9941406,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":0.07481032609939575},{"word":"insurances","start":1246.215,"end":1246.715,"confidence":0.9970703,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.1269034743309021},{"word":"aren't","start":1246.855,"end":1247.255,"confidence":0.9970703,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":0.1995045095682144},{"word":"that","start":1247.255,"end":1247.575,"confidence":0.80566406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12774761021137238},{"word":"expensive","start":1247.575,"end":1248.075,"confidence":0.7766113,"punctuated_word":"expensive,","sentiment":"neutral","sentiment_score":0.02770946174860001},{"word":"and","start":1248.5299,"end":1248.69,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07239614427089691},{"word":"so","start":1248.69,"end":1248.85,"confidence":0.99609375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.13039854168891907},{"word":"keeping","start":1248.85,"end":1249.25,"confidence":0.9819336,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.17772142589092255},{"word":"them","start":1249.25,"end":1249.49,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.1831392347812653},{"word":"doesn't","start":1249.49,"end":1249.8099,"confidence":0.99658203,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.13024957478046417},{"word":"have","start":1249.8099,"end":1249.97,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10397718846797945},{"word":"a","start":1249.97,"end":1250.21,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10289973765611649},{"word":"massive","start":1250.21,"end":1250.61,"confidence":1.0,"punctuated_word":"massive","sentiment":"neutral","sentiment_score":0.07773153483867645},{"word":"effect","start":1250.61,"end":1251.01,"confidence":0.9863281,"punctuated_word":"effect","sentiment":"neutral","sentiment_score":0.09075288474559784},{"word":"there","start":1251.01,"end":1251.1699,"confidence":0.8054199,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.08316512405872345},{"word":"but","start":1251.1699,"end":1251.33,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.18364889919757843},{"word":"we","start":1251.33,"end":1251.49,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2043174505233765},{"word":"just","start":1251.49,"end":1251.6499,"confidence":0.6455078,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.20743104815483093},{"word":"like","start":1251.6499,"end":1251.8099,"confidence":0.9970703,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.18161135911941528},{"word":"to","start":1251.8099,"end":1251.97,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24083273112773895},{"word":"show","start":1251.97,"end":1252.21,"confidence":1.0,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.20481577515602112},{"word":"you","start":1252.21,"end":1252.45,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22905372083187103},{"word":"the","start":1252.45,"end":1252.5299,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17350783944129944},{"word":"difference","start":1252.5299,"end":1253.0299,"confidence":0.95947266,"punctuated_word":"difference.","sentiment":"neutral","sentiment_score":0.17219975590705872},{"word":"okay","start":1253.25,"end":1253.75,"confidence":0.74243164,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2033708691596985},{"word":"excellent","start":1255.6499,"end":1256.1499,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.47477850317955017},{"word":"and","start":1256.45,"end":1256.69,"confidence":1.0,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.34447506070137024},{"word":"then","start":1256.69,"end":1257.09,"confidence":1.0,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.3691670000553131},{"word":"at","start":1257.09,"end":1257.25,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.3170683979988098},{"word":"the","start":1257.25,"end":1257.4099,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3053767681121826},{"word":"very","start":1257.4099,"end":1257.73,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.29130348563194275},{"word":"end","start":1257.73,"end":1257.97,"confidence":0.75390625,"punctuated_word":"end,","sentiment":"neutral","sentiment_score":0.30415311455726624},{"word":"they're","start":1257.97,"end":1258.0499,"confidence":0.9790039,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.2562905550003052},{"word":"just","start":1258.0499,"end":1258.37,"confidence":0.99902344,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3474518358707428},{"word":"making","start":1258.37,"end":1258.61,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.29185381531715393},{"word":"sure","start":1258.61,"end":1258.85,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.350138396024704},{"word":"that","start":1258.85,"end":1259.01,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3663825988769531},{"word":"we","start":1259.01,"end":1259.1699,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3509312570095062},{"word":"do","start":1259.1699,"end":1259.49,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3390350639820099},{"word":"retain","start":1259.49,"end":1259.99,"confidence":1.0,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.2293497622013092},{"word":"your","start":1260.13,"end":1260.45,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3211779296398163},{"word":"beneficiaries","start":1260.45,"end":1260.95,"confidence":0.99902344,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.2917341887950897},{"word":"within","start":1261.25,"end":1261.75,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.26644769310951233},{"word":"cbas","start":1262.355,"end":1262.755,"confidence":0.6508789,"punctuated_word":"CBAS","sentiment":"neutral","sentiment_score":0.22194460034370425},{"word":"and","start":1262.755,"end":1262.915,"confidence":0.95703125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21108844876289368},{"word":"hub","start":1262.915,"end":1263.235,"confidence":0.6801758,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.26702454686164856},{"word":"twenty","start":1263.235,"end":1263.5549,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.31567803025245667},{"word":"four","start":1263.5549,"end":1263.7949,"confidence":0.95043945,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":0.28412625193595886},{"word":"making","start":1263.7949,"end":1264.115,"confidence":0.99902344,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.29227471351623535},{"word":"sure","start":1264.115,"end":1264.355,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2977648675441742},{"word":"that","start":1264.355,"end":1264.515,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3167802095413208},{"word":"they","start":1264.515,"end":1264.6749,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.27477654814720154},{"word":"are","start":1264.6749,"end":1264.915,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.292276531457901},{"word":"applied","start":1264.915,"end":1265.235,"confidence":0.94140625,"punctuated_word":"applied.","sentiment":"neutral","sentiment_score":0.2655210494995117},{"word":"we","start":1265.235,"end":1265.395,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.19892610609531405},{"word":"have","start":1265.395,"end":1265.635,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21858662366867063},{"word":"binding","start":1265.635,"end":1265.955,"confidence":0.9375,"punctuated_word":"binding","sentiment":"neutral","sentiment_score":0.2366863489151001},{"word":"non","start":1265.955,"end":1266.195,"confidence":0.6611328,"punctuated_word":"non","sentiment":"neutral","sentiment_score":0.1361928433179855},{"word":"lapsing","start":1266.195,"end":1266.515,"confidence":0.81469727,"punctuated_word":"lapsing","sentiment":"neutral","sentiment_score":0.17105677723884585},{"word":"for","start":1266.515,"end":1266.6749,"confidence":0.7973633,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15203864872455597},{"word":"your","start":1266.6749,"end":1266.915,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16196975111961365},{"word":"spouse","start":1266.915,"end":1267.235,"confidence":0.9951172,"punctuated_word":"spouse","sentiment":"neutral","sentiment_score":0.1386624276638031},{"word":"and","start":1267.235,"end":1267.395,"confidence":0.9819336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14076603949069977},{"word":"binding","start":1267.395,"end":1267.7949,"confidence":0.9980469,"punctuated_word":"binding","sentiment":"neutral","sentiment_score":0.1197757124900818},{"word":"lapsing","start":1267.7949,"end":1268.195,"confidence":0.92163086,"punctuated_word":"lapsing","sentiment":"neutral","sentiment_score":0.14858081936836243},{"word":"within","start":1268.195,"end":1268.515,"confidence":0.9921875,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.122798353433609},{"word":"cbas","start":1268.515,"end":1268.915,"confidence":0.9995117,"punctuated_word":"CBAS","sentiment":"neutral","sentiment_score":0.1596512347459793},{"word":"to","start":1268.915,"end":1269.075,"confidence":0.75927734,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19329020380973816},{"word":"your","start":1269.075,"end":1269.235,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1720706969499588},{"word":"spouse","start":1269.235,"end":1269.5549,"confidence":0.9980469,"punctuated_word":"spouse","sentiment":"neutral","sentiment_score":0.16633667051792145},{"word":"as","start":1269.5549,"end":1269.635,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.21951264142990112},{"word":"well","start":1269.635,"end":1270.135,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1857929676771164},{"word":"the","start":1270.6749,"end":1270.915,"confidence":0.7446289,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.09590241312980652},{"word":"main","start":1270.915,"end":1271.155,"confidence":0.99902344,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.09917403757572174},{"word":"difference","start":1271.155,"end":1271.635,"confidence":0.99902344,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.03854217752814293},{"word":"between","start":1271.635,"end":1271.875,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.059583887457847595},{"word":"those","start":1271.875,"end":1272.115,"confidence":0.9941406,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.09210171550512314},{"word":"beneficiaries","start":1272.115,"end":1272.615,"confidence":0.9980469,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.042524658143520355},{"word":"is","start":1272.835,"end":1272.995,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06902439892292023},{"word":"binding","start":1272.995,"end":1273.395,"confidence":0.7026367,"punctuated_word":"binding","sentiment":"neutral","sentiment_score":0.08615772426128387},{"word":"non","start":1273.395,"end":1273.635,"confidence":0.9941406,"punctuated_word":"non","sentiment":"neutral","sentiment_score":0.03161869943141937},{"word":"lapsing","start":1273.635,"end":1274.035,"confidence":0.99902344,"punctuated_word":"lapsing","sentiment":"neutral","sentiment_score":0.04364652559161186},{"word":"means","start":1274.035,"end":1274.195,"confidence":0.9951172,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.04267830774188042},{"word":"within","start":1274.195,"end":1274.515,"confidence":0.8574219,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.049853771924972534},{"word":"hub","start":1274.515,"end":1274.76,"confidence":0.97802734,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.09399712830781937},{"word":"24","start":1274.84,"end":1275.4,"confidence":0.9354248,"punctuated_word":"24.","sentiment":"neutral","sentiment_score":0.08715588599443436},{"word":"that","start":1275.4,"end":1275.8,"confidence":0.99902344,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.1247360110282898},{"word":"beneficiary","start":1275.8,"end":1276.3,"confidence":0.9863281,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.11231362074613573},{"word":"stays","start":1276.52,"end":1276.76,"confidence":0.9902344,"punctuated_word":"stays","sentiment":"neutral","sentiment_score":0.11981169879436492},{"word":"in","start":1276.76,"end":1276.92,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0983305275440216},{"word":"place","start":1276.92,"end":1277.3201,"confidence":0.99902344,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.14777854084968567},{"word":"continuously","start":1277.3201,"end":1277.8201,"confidence":0.98999023,"punctuated_word":"continuously.","sentiment":"neutral","sentiment_score":0.1199931502342224},{"word":"however","start":1278.2,"end":1278.7,"confidence":0.9995117,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":0.029637977480888367},{"word":"cbus","start":1278.76,"end":1279.24,"confidence":0.47937012,"punctuated_word":"Cbus","sentiment":"neutral","sentiment_score":0.00946209579706192},{"word":"only","start":1279.24,"end":1279.48,"confidence":0.99609375,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.03598529100418091},{"word":"allow","start":1279.48,"end":1279.8,"confidence":0.98535156,"punctuated_word":"allow","sentiment":"neutral","sentiment_score":0.02262353152036667},{"word":"a","start":1279.8,"end":1279.96,"confidence":0.9453125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01211421936750412},{"word":"binding","start":1279.96,"end":1280.36,"confidence":0.99316406,"punctuated_word":"binding","sentiment":"neutral","sentiment_score":0.02546089142560959},{"word":"lapsing","start":1280.36,"end":1280.76,"confidence":0.9169922,"punctuated_word":"lapsing","sentiment":"neutral","sentiment_score":0.02738783322274685},{"word":"nomination","start":1280.76,"end":1281.26,"confidence":0.83251953,"punctuated_word":"nomination,","sentiment":"neutral","sentiment_score":0.04093046113848686},{"word":"so","start":1281.3201,"end":1281.56,"confidence":0.9921875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03949885815382004},{"word":"it","start":1281.56,"end":1281.64,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07669997215270996},{"word":"does","start":1281.64,"end":1281.96,"confidence":0.9970703,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.05156212300062179},{"word":"need","start":1281.96,"end":1282.12,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.07634319365024567},{"word":"to","start":1282.12,"end":1282.2,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06425284594297409},{"word":"be","start":1282.2,"end":1282.4401,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05482456088066101},{"word":"updated","start":1282.4401,"end":1282.9401,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.05986061692237854},{"word":"every","start":1283.0,"end":1283.24,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.05110226571559906},{"word":"generally","start":1283.56,"end":1284.04,"confidence":0.75756836,"punctuated_word":"generally,","sentiment":"neutral","sentiment_score":0.0711430013179779},{"word":"every","start":1284.04,"end":1284.36,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.06198881193995476},{"word":"three","start":1284.36,"end":1284.6,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.08010251820087433},{"word":"years","start":1284.6,"end":1285.1,"confidence":0.9995117,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.06059965491294861},{"word":"what","start":1285.4,"end":1285.56,"confidence":0.6381836,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.17635861039161682},{"word":"we","start":1285.56,"end":1285.72,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1767636090517044},{"word":"can","start":1285.72,"end":1285.88,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2087000459432602},{"word":"do","start":1285.88,"end":1286.04,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.22648531198501587},{"word":"is","start":1286.04,"end":1286.2,"confidence":0.8120117,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.20740079879760745},{"word":"we","start":1286.2,"end":1286.36,"confidence":0.9667969,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23394474387168884},{"word":"have","start":1286.36,"end":1286.52,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.24474969506263733},{"word":"a","start":1286.52,"end":1286.68,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25870761275291443},{"word":"tpa","start":1286.68,"end":1287.08,"confidence":0.9030762,"punctuated_word":"TPA","sentiment":"neutral","sentiment_score":0.16980546712875366},{"word":"on","start":1287.08,"end":1287.24,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1616968810558319},{"word":"file","start":1287.24,"end":1287.48,"confidence":0.99902344,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.20570211112499237},{"word":"with","start":1287.48,"end":1287.72,"confidence":0.95703125,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2018519937992096},{"word":"cbus","start":1287.72,"end":1288.12,"confidence":0.74886066,"punctuated_word":"Cbus,","sentiment":"neutral","sentiment_score":0.1870872378349304},{"word":"and","start":1288.12,"end":1288.28,"confidence":0.51464844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2586080729961395},{"word":"we'll","start":1288.28,"end":1288.52,"confidence":0.9941406,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.26731809973716736},{"word":"monitor","start":1288.52,"end":1289.0,"confidence":1.0,"punctuated_word":"monitor","sentiment":"neutral","sentiment_score":0.20200517773628235},{"word":"when","start":1289.0,"end":1289.16,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1994669139385223},{"word":"that's","start":1289.16,"end":1289.48,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.23186758160591123},{"word":"due","start":1289.48,"end":1289.925,"confidence":0.9970703,"punctuated_word":"due","sentiment":"neutral","sentiment_score":0.20900237560272217},{"word":"and","start":1290.165,"end":1290.405,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26674899458885193},{"word":"when","start":1290.405,"end":1290.5651,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.22074449062347412},{"word":"this","start":1290.5651,"end":1290.885,"confidence":0.5732422,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2339375913143158},{"word":"the","start":1290.9651,"end":1291.4651,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22539664804935455},{"word":"beneficiary","start":1291.685,"end":1292.185,"confidence":0.62158203,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.2570110261440277},{"word":"is","start":1292.245,"end":1292.405,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.22313609719276428},{"word":"due","start":1292.405,"end":1292.5651,"confidence":1.0,"punctuated_word":"due","sentiment":"neutral","sentiment_score":0.19756922125816345},{"word":"to","start":1292.5651,"end":1292.7251,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2117811143398285},{"word":"lapse","start":1292.7251,"end":1293.125,"confidence":0.9230957,"punctuated_word":"lapse.","sentiment":"neutral","sentiment_score":0.23469507694244385},{"word":"we'll","start":1293.125,"end":1293.365,"confidence":1.0,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.29238462448120117},{"word":"make","start":1293.365,"end":1293.4451,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2567274272441864},{"word":"sure","start":1293.4451,"end":1293.685,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2750298082828522},{"word":"we","start":1293.685,"end":1293.925,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.28759491443634033},{"word":"contact","start":1293.925,"end":1294.405,"confidence":0.99902344,"punctuated_word":"contact","sentiment":"neutral","sentiment_score":0.22488819062709808},{"word":"you","start":1294.405,"end":1294.645,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29961955547332764},{"word":"and","start":1294.645,"end":1294.805,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.32315701246261597},{"word":"have","start":1294.805,"end":1295.045,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.27587950229644775},{"word":"that","start":1295.045,"end":1295.365,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.32352620363235474},{"word":"updated","start":1295.365,"end":1295.865,"confidence":0.94799805,"punctuated_word":"updated.","sentiment":"neutral","sentiment_score":0.2970649302005768},{"word":"that","start":1296.245,"end":1296.405,"confidence":0.99902344,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.2762576937675476},{"word":"way","start":1296.405,"end":1296.645,"confidence":1.0,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.36786913871765137},{"word":"it","start":1296.645,"end":1296.885,"confidence":0.5,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.42157065868377686},{"word":"doesn't","start":1296.885,"end":1297.2051,"confidence":0.9995117,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.3226028382778168},{"word":"lapse","start":1297.2051,"end":1297.525,"confidence":0.7105713,"punctuated_word":"lapse.","sentiment":"neutral","sentiment_score":0.31671783328056335},{"word":"and","start":1297.525,"end":1297.685,"confidence":0.6425781,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.35400906205177307},{"word":"that","start":1297.685,"end":1297.8451,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3295738101005554},{"word":"way","start":1297.8451,"end":1298.165,"confidence":0.9909668,"punctuated_word":"way,","sentiment":"positive","sentiment_score":0.43973374366760254},{"word":"you","start":1298.165,"end":1298.245,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4739100039005279},{"word":"know","start":1298.245,"end":1298.5651,"confidence":0.88671875,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.46414732933044434},{"word":"there's","start":1298.5651,"end":1298.805,"confidence":0.8327637,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.42790740728378296},{"word":"no","start":1298.805,"end":1299.045,"confidence":0.99902344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.331196665763855},{"word":"risk","start":1299.045,"end":1299.285,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.11518318951129912},{"word":"of","start":1299.285,"end":1299.4451,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.38501036167144775},{"word":"anything","start":1299.4451,"end":1299.9451,"confidence":0.5913696,"punctuated_word":"anything.","sentiment":"positive","sentiment_score":0.4234341382980346},{"word":"your","start":1300.3251,"end":1300.405,"confidence":0.43310547,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":0.2810633182525635},{"word":"spouse","start":1300.405,"end":1300.7251,"confidence":0.90771484,"punctuated_word":"spouse","sentiment":"neutral","sentiment_score":0.14148961007595062},{"word":"not","start":1300.7251,"end":1300.885,"confidence":0.59765625,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.1571137011051178},{"word":"being","start":1300.885,"end":1301.125,"confidence":0.7211914,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.20323050022125244},{"word":"able","start":1301.125,"end":1301.365,"confidence":0.99902344,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.22404000163078308},{"word":"to","start":1301.365,"end":1301.4451,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24164189398288727},{"word":"get","start":1301.4451,"end":1301.6051,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.16873988509178162},{"word":"those","start":1301.6051,"end":1301.8451,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.10165918618440628},{"word":"funds","start":1301.8451,"end":1302.245,"confidence":0.99902344,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.17735359072685242},{"word":"or","start":1302.245,"end":1302.405,"confidence":0.98828125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.17041534185409546},{"word":"claim","start":1302.405,"end":1302.805,"confidence":0.9116211,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.16328516602516174},{"word":"those","start":1302.805,"end":1303.045,"confidence":0.9921875,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1887508779764175},{"word":"funds","start":1303.045,"end":1303.545,"confidence":0.9951172,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.19121363759040833},{"word":"in","start":1303.685,"end":1303.8451,"confidence":0.99121094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19489705562591553},{"word":"the","start":1303.8451,"end":1304.005,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1912628412246704},{"word":"event","start":1304.005,"end":1304.3251,"confidence":0.99902344,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.1000632792711258},{"word":"if","start":1304.3251,"end":1304.405,"confidence":0.7841797,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07525632530450821},{"word":"you're","start":1304.405,"end":1304.645,"confidence":0.9838867,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.11657336354255676},{"word":"passing","start":1304.645,"end":1305.045,"confidence":1.0,"punctuated_word":"passing","sentiment":"neutral","sentiment_score":0.08726334571838379},{"word":"away","start":1305.045,"end":1305.545,"confidence":0.9926758,"punctuated_word":"away.","sentiment":"neutral","sentiment_score":0.09222856163978577},{"word":"keeping","start":1305.6799,"end":1306.0,"confidence":0.9580078,"punctuated_word":"Keeping","sentiment":"neutral","sentiment_score":0.12816384434700012},{"word":"in","start":1306.0,"end":1306.08,"confidence":0.9760742,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06573228538036346},{"word":"mind","start":1306.08,"end":1306.32,"confidence":0.95751953,"punctuated_word":"mind,","sentiment":"neutral","sentiment_score":0.12415976822376253},{"word":"i","start":1306.32,"end":1306.48,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07533666491508484},{"word":"hope","start":1306.48,"end":1306.72,"confidence":0.99902344,"punctuated_word":"hope","sentiment":"neutral","sentiment_score":-0.09622377157211304},{"word":"that","start":1306.72,"end":1306.96,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.032777488231658936},{"word":"never","start":1306.96,"end":1307.28,"confidence":1.0,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.07469339668750763},{"word":"happens","start":1307.28,"end":1307.6,"confidence":0.95654297,"punctuated_word":"happens.","sentiment":"neutral","sentiment_score":-0.0034878291189670563},{"word":"i","start":1307.6,"end":1307.76,"confidence":0.9086914,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5028132200241089},{"word":"would","start":1307.76,"end":1308.0,"confidence":0.99902344,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.42560333013534546},{"word":"love","start":1308.0,"end":1308.12,"confidence":1.0,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.6033048629760742},{"word":"to","start":1308.12,"end":1308.24,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4842889010906219},{"word":"get","start":1308.24,"end":1308.48,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.6301907896995544},{"word":"you","start":1308.48,"end":1308.64,"confidence":0.99609375,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5950859189033508},{"word":"to","start":1308.64,"end":1308.7999,"confidence":0.5292969,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6754098534584045},{"word":"retirement","start":1308.7999,"end":1309.2999,"confidence":0.97802734,"punctuated_word":"retirement","sentiment":"positive","sentiment_score":0.6885045766830444},{"word":"and","start":1309.52,"end":1309.6799,"confidence":0.89208984,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.7394363284111023},{"word":"then","start":1309.6799,"end":1310.16,"confidence":1.0,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.7847504615783691},{"word":"see","start":1310.16,"end":1310.32,"confidence":0.99316406,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.773261547088623},{"word":"you","start":1310.32,"end":1310.48,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7454484701156616},{"word":"through","start":1310.48,"end":1310.7999,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.7311002612113953},{"word":"retirement","start":1310.7999,"end":1311.2999,"confidence":0.9970703,"punctuated_word":"retirement","sentiment":"positive","sentiment_score":0.5594263076782227},{"word":"there","start":1311.36,"end":1311.86,"confidence":0.9433594,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.6541892290115356},{"word":"we","start":1312.16,"end":1312.4,"confidence":0.6826172,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.241804838180542},{"word":"don't","start":1312.4,"end":1312.5599,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.26662677526474},{"word":"want","start":1312.5599,"end":1312.72,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.33138567209243774},{"word":"anything","start":1312.72,"end":1313.12,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.24835900962352753},{"word":"to","start":1313.12,"end":1313.2,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.32354024052619934},{"word":"happen","start":1313.2,"end":1313.52,"confidence":0.9904785,"punctuated_word":"happen.","sentiment":"neutral","sentiment_score":-0.18781080842018127},{"word":"this","start":1313.52,"end":1313.6799,"confidence":0.7651367,"punctuated_word":"This","sentiment":"neutral","sentiment_score":-0.159795343875885},{"word":"is","start":1313.6799,"end":1313.76,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1464402675628662},{"word":"one","start":1313.76,"end":1313.9199,"confidence":0.9941406,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.05419483780860901},{"word":"of","start":1313.9199,"end":1314.08,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10529416799545288},{"word":"those","start":1314.08,"end":1314.32,"confidence":0.9838867,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.0987057089805603},{"word":"conversations","start":1314.32,"end":1314.7999,"confidence":0.99902344,"punctuated_word":"conversations","sentiment":"neutral","sentiment_score":-0.09554611891508102},{"word":"we","start":1314.7999,"end":1314.96,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.15542283654212952},{"word":"do","start":1314.96,"end":1315.2,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.16244179010391235},{"word":"have","start":1315.2,"end":1315.36,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.024326995015144348},{"word":"to","start":1315.36,"end":1315.52,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07596123963594437},{"word":"have","start":1315.52,"end":1315.76,"confidence":0.97680664,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":-0.20145508646965027},{"word":"unfortunately","start":1315.76,"end":1316.26,"confidence":1.0,"punctuated_word":"unfortunately.","sentiment":"neutral","sentiment_score":-0.22103503346443176},{"word":"okay","start":1316.96,"end":1317.46,"confidence":0.7453613,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":-0.03399135172367096},{"word":"and","start":1319.455,"end":1319.615,"confidence":0.8798828,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07117579877376556},{"word":"then","start":1319.615,"end":1319.775,"confidence":0.9526367,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08146874606609344},{"word":"just","start":1319.775,"end":1320.015,"confidence":0.81933594,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0564504973590374},{"word":"also","start":1320.015,"end":1320.255,"confidence":0.9243164,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.05560789629817009},{"word":"making","start":1320.255,"end":1320.575,"confidence":0.9892578,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.07589222490787506},{"word":"sure","start":1320.575,"end":1320.735,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.08056826889514923},{"word":"that","start":1320.735,"end":1320.815,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12621930241584778},{"word":"you","start":1320.815,"end":1320.975,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.114576518535614},{"word":"do","start":1320.975,"end":1321.215,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11194014549255372},{"word":"establish","start":1321.215,"end":1321.615,"confidence":0.99902344,"punctuated_word":"establish","sentiment":"neutral","sentiment_score":0.09915201365947723},{"word":"your","start":1321.615,"end":1321.775,"confidence":0.52197266,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09746860712766647},{"word":"will","start":1321.775,"end":1322.095,"confidence":0.9970703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1589825302362442},{"word":"and","start":1322.095,"end":1322.255,"confidence":0.9453125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10640837252140044},{"word":"beneficiary","start":1322.255,"end":1322.755,"confidence":0.51660156,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.10086297243833542},{"word":"power","start":1323.0549,"end":1323.375,"confidence":0.86279297,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.14201420545578003},{"word":"of","start":1323.375,"end":1323.455,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1129368245601654},{"word":"attorney","start":1323.455,"end":1323.9349,"confidence":0.9641113,"punctuated_word":"attorney.","sentiment":"neutral","sentiment_score":0.06911932677030563},{"word":"so","start":1323.9349,"end":1324.175,"confidence":0.9543457,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.09009400010108948},{"word":"essentially","start":1324.175,"end":1324.675,"confidence":1.0,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.06962475180625916},{"word":"one","start":1324.815,"end":1324.975,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.10134327411651611},{"word":"of","start":1324.975,"end":1325.0549,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07782453298568726},{"word":"the","start":1325.0549,"end":1325.135,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11589116603136064},{"word":"things","start":1325.135,"end":1325.375,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.14107084274291992},{"word":"we","start":1325.375,"end":1325.535,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1077764630317688},{"word":"did","start":1325.535,"end":1325.695,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.1154804676771164},{"word":"sort","start":1325.695,"end":1325.9349,"confidence":0.99316406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.06546317785978317},{"word":"of","start":1325.9349,"end":1326.015,"confidence":0.8911133,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06047343090176582},{"word":"talk","start":1326.015,"end":1326.175,"confidence":0.98828125,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.09521865844726562},{"word":"about","start":1326.175,"end":1326.335,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.09876270592212676},{"word":"in","start":1326.335,"end":1326.495,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10672202706336976},{"word":"the","start":1326.495,"end":1326.575,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13362473249435425},{"word":"annual","start":1326.575,"end":1326.975,"confidence":0.99121094,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.13310962915420532},{"word":"review","start":1326.975,"end":1327.215,"confidence":0.99902344,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.1003645583987236},{"word":"was","start":1327.215,"end":1327.375,"confidence":0.9951172,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.08258844912052155},{"word":"that","start":1327.375,"end":1327.535,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0532887801527977},{"word":"you","start":1327.535,"end":1327.775,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02366446703672409},{"word":"mentioned","start":1327.775,"end":1328.175,"confidence":0.9770508,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.052676036953926086},{"word":"you","start":1328.175,"end":1328.335,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.031025372445583344},{"word":"don't","start":1328.335,"end":1328.575,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.0015475030522793531},{"word":"have","start":1328.575,"end":1328.735,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.006085053086280823},{"word":"a","start":1328.735,"end":1328.895,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.022264622151851658},{"word":"will","start":1328.895,"end":1329.215,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.08483802527189255},{"word":"or","start":1329.215,"end":1329.455,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.036257304251194},{"word":"power","start":1329.455,"end":1329.615,"confidence":0.8408203,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.016165703535079956},{"word":"of","start":1329.615,"end":1329.775,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.00894366204738617},{"word":"attorney","start":1329.775,"end":1330.275,"confidence":0.99902344,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":-0.021128512918949127},{"word":"set","start":1330.335,"end":1330.495,"confidence":0.94384766,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.001224227249622345},{"word":"up","start":1330.495,"end":1330.95,"confidence":0.99560547,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.0004163458943367005},{"word":"your","start":1331.35,"end":1331.59,"confidence":0.98535156,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":0.06443947553634644},{"word":"beneficiaries","start":1331.59,"end":1332.09,"confidence":0.99121094,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.1426195353269577},{"word":"protect","start":1332.3899,"end":1332.7899,"confidence":0.9980469,"punctuated_word":"protect","sentiment":"neutral","sentiment_score":0.07054831087589264},{"word":"your","start":1332.7899,"end":1333.11,"confidence":0.97998047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12130337953567503},{"word":"your","start":1333.11,"end":1333.51,"confidence":0.49145508,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12570402026176453},{"word":"life","start":1333.51,"end":1334.01,"confidence":0.9970703,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.16241365671157837},{"word":"insurances","start":1334.3099,"end":1334.8099,"confidence":0.99902344,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.12842082977294922},{"word":"and","start":1335.11,"end":1335.4299,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23653623461723328},{"word":"your","start":1335.4299,"end":1335.75,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2330690920352936},{"word":"super","start":1335.75,"end":1336.25,"confidence":0.9291992,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.2193023711442947},{"word":"however","start":1336.7899,"end":1337.2899,"confidence":0.9916992,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":0.016709864139556885},{"word":"everything","start":1337.35,"end":1337.83,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.04645492136478424},{"word":"else","start":1337.83,"end":1338.07,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.10526856780052184},{"word":"that","start":1338.07,"end":1338.23,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05586153268814087},{"word":"you've","start":1338.23,"end":1338.47,"confidence":0.9970703,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.0267693605273962},{"word":"worked","start":1338.47,"end":1338.87,"confidence":0.99902344,"punctuated_word":"worked","sentiment":"neutral","sentiment_score":0.15845294296741486},{"word":"so","start":1338.87,"end":1339.11,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.10918664932250977},{"word":"hard","start":1339.11,"end":1339.4299,"confidence":1.0,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":0.16805370151996613},{"word":"for","start":1339.4299,"end":1339.75,"confidence":0.9248047,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.0924064889550209},{"word":"your","start":1339.75,"end":1340.07,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08491019904613495},{"word":"house","start":1340.07,"end":1340.3899,"confidence":0.9909668,"punctuated_word":"house,","sentiment":"neutral","sentiment_score":0.1399998664855957},{"word":"your","start":1340.3899,"end":1340.71,"confidence":0.96777344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07564938068389893},{"word":"savings","start":1340.71,"end":1341.11,"confidence":0.9790039,"punctuated_word":"savings,","sentiment":"neutral","sentiment_score":0.09428469091653824},{"word":"your","start":1341.11,"end":1341.2699,"confidence":0.96240234,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.030214056372642517},{"word":"cars","start":1341.2699,"end":1341.6699,"confidence":0.9831543,"punctuated_word":"cars,","sentiment":"neutral","sentiment_score":0.04698139429092407},{"word":"everything","start":1341.6699,"end":1342.1499,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.009513810276985168},{"word":"like","start":1342.1499,"end":1342.3099,"confidence":0.9970703,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.050899580121040344},{"word":"that","start":1342.3099,"end":1342.63,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.006178155541419983},{"word":"still","start":1342.63,"end":1342.87,"confidence":0.9863281,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.04591117799282074},{"word":"needs","start":1342.87,"end":1343.11,"confidence":1.0,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":0.007376044988632202},{"word":"to","start":1343.11,"end":1343.2699,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.008803784847259521},{"word":"be","start":1343.2699,"end":1343.51,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.027347281575202945},{"word":"protected","start":1343.51,"end":1344.01,"confidence":0.97753906,"punctuated_word":"protected.","sentiment":"neutral","sentiment_score":-0.0019561052322387695},{"word":"and","start":1344.645,"end":1344.805,"confidence":0.8640137,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.04024840518832207},{"word":"look","start":1344.805,"end":1345.045,"confidence":0.8937988,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":-0.04243950545787811},{"word":"honestly","start":1345.045,"end":1345.365,"confidence":0.9970703,"punctuated_word":"honestly,","sentiment":"neutral","sentiment_score":-0.05391669645905495},{"word":"a","start":1345.365,"end":1345.4451,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10404568910598756},{"word":"lot","start":1345.4451,"end":1345.605,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.11152323335409164},{"word":"of","start":1345.605,"end":1345.685,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1310165673494339},{"word":"people","start":1345.685,"end":1346.005,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.14389437437057495},{"word":"just","start":1346.005,"end":1346.165,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.15676948428153992},{"word":"assume","start":1346.165,"end":1346.5651,"confidence":0.99902344,"punctuated_word":"assume","sentiment":"neutral","sentiment_score":-0.10516525059938432},{"word":"everything","start":1346.5651,"end":1346.9651,"confidence":0.9980469,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.14050613343715668},{"word":"goes","start":1346.9651,"end":1347.365,"confidence":0.99902344,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.11356645822525024},{"word":"automatically","start":1347.365,"end":1347.865,"confidence":0.99902344,"punctuated_word":"automatically","sentiment":"neutral","sentiment_score":-0.0604434609413147},{"word":"to","start":1348.005,"end":1348.245,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1007002741098404},{"word":"their","start":1348.245,"end":1348.405,"confidence":0.96972656,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.1321658492088318},{"word":"spouse","start":1348.405,"end":1348.905,"confidence":0.6381836,"punctuated_word":"spouse.","sentiment":"neutral","sentiment_score":-0.12636613845825195},{"word":"and","start":1349.125,"end":1349.285,"confidence":0.9560547,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.06704676896333694},{"word":"while","start":1349.285,"end":1349.525,"confidence":0.6529541,"punctuated_word":"while,","sentiment":"neutral","sentiment_score":-0.07791740447282791},{"word":"yes","start":1349.525,"end":1349.845,"confidence":0.9848633,"punctuated_word":"yes,","sentiment":"neutral","sentiment_score":-0.06396191567182541},{"word":"in","start":1349.845,"end":1350.3251,"confidence":0.9404297,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11228856444358826},{"word":"most","start":1350.3251,"end":1350.725,"confidence":0.984375,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.07805996388196945},{"word":"states","start":1350.725,"end":1350.9651,"confidence":0.7211914,"punctuated_word":"states,","sentiment":"neutral","sentiment_score":-0.0900978147983551},{"word":"that","start":1350.9651,"end":1351.2051,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07338032126426697},{"word":"is","start":1351.2051,"end":1351.365,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.11017125844955444},{"word":"absolutely","start":1351.365,"end":1351.865,"confidence":0.99316406,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":-0.10345320403575896},{"word":"true","start":1351.925,"end":1352.425,"confidence":0.7751465,"punctuated_word":"true,","sentiment":"neutral","sentiment_score":-0.05247741565108299},{"word":"it","start":1352.725,"end":1352.885,"confidence":0.98828125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1363484114408493},{"word":"does","start":1352.885,"end":1353.045,"confidence":0.98535156,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.11238562315702438},{"word":"also","start":1353.045,"end":1353.365,"confidence":0.99609375,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.10693516582250596},{"word":"have","start":1353.365,"end":1353.605,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1455184519290924},{"word":"to","start":1353.605,"end":1353.685,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1483217477798462},{"word":"go","start":1353.685,"end":1353.765,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.17262572050094604},{"word":"through","start":1353.765,"end":1354.005,"confidence":0.97314453,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.2074047029018402},{"word":"a","start":1354.005,"end":1354.0851,"confidence":0.96777344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.19689759612083435},{"word":"probate","start":1354.0851,"end":1354.5851,"confidence":0.88134766,"punctuated_word":"probate","sentiment":"neutral","sentiment_score":-0.2484806478023529},{"word":"process","start":1354.645,"end":1355.145,"confidence":1.0,"punctuated_word":"process","sentiment":"neutral","sentiment_score":-0.1631122529506683},{"word":"even","start":1355.765,"end":1356.165,"confidence":0.5805664,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.1382589042186737},{"word":"if","start":1356.165,"end":1356.3251,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1809869408607483},{"word":"it's","start":1356.3251,"end":1356.5651,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.17997857928276062},{"word":"just","start":1356.5651,"end":1356.805,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.15136617422103882},{"word":"you","start":1356.805,"end":1356.9651,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1693595051765442},{"word":"and","start":1356.9651,"end":1357.2051,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1649312973022461},{"word":"your","start":1357.2051,"end":1357.365,"confidence":0.91259766,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.16984835267066956},{"word":"spouse","start":1357.365,"end":1357.685,"confidence":0.9921875,"punctuated_word":"spouse","sentiment":"neutral","sentiment_score":-0.1057569682598114},{"word":"or","start":1357.685,"end":1357.845,"confidence":0.8569336,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.17466121912002563},{"word":"you","start":1357.845,"end":1358.005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2434237450361252},{"word":"passed","start":1358.005,"end":1358.245,"confidence":0.7060547,"punctuated_word":"passed","sentiment":"neutral","sentiment_score":-0.2896409332752228},{"word":"away","start":1358.245,"end":1358.5651,"confidence":0.99902344,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.2308890670537949},{"word":"or","start":1358.5651,"end":1358.725,"confidence":0.98535156,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.2167711853981018},{"word":"she","start":1358.725,"end":1358.885,"confidence":0.99902344,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.2100389003753662},{"word":"passed","start":1358.885,"end":1359.18,"confidence":0.86621094,"punctuated_word":"passed","sentiment":"neutral","sentiment_score":-0.31352701783180237},{"word":"away","start":1359.26,"end":1359.5801,"confidence":0.99121094,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.24012437462806704},{"word":"without","start":1359.5801,"end":1359.9,"confidence":0.79541016,"punctuated_word":"without","sentiment":"neutral","sentiment_score":-0.2184498906135559},{"word":"having","start":1359.9,"end":1360.14,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.24109244346618652},{"word":"a","start":1360.14,"end":1360.38,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14045313000679016},{"word":"will","start":1360.38,"end":1360.54,"confidence":0.99121094,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.15735763311386108},{"word":"in","start":1360.54,"end":1360.7001,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.13926585018634796},{"word":"place","start":1360.7001,"end":1360.9401,"confidence":1.0,"punctuated_word":"place","sentiment":"neutral","sentiment_score":-0.10372856259346008},{"word":"to","start":1360.9401,"end":1361.1001,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17458215355873108},{"word":"protect","start":1361.1001,"end":1361.42,"confidence":0.9980469,"punctuated_word":"protect","sentiment":"neutral","sentiment_score":-0.20203781127929688},{"word":"your","start":1361.42,"end":1361.66,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.21085470914840695},{"word":"assets","start":1361.66,"end":1362.16,"confidence":0.91796875,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":-0.2202896773815155},{"word":"everything","start":1362.7001,"end":1363.1001,"confidence":0.7578125,"punctuated_word":"Everything","sentiment":"negative","sentiment_score":-0.3575280010700226},{"word":"still","start":1363.1001,"end":1363.3401,"confidence":0.99902344,"punctuated_word":"still","sentiment":"negative","sentiment_score":-0.3476831316947937},{"word":"has","start":1363.3401,"end":1363.5,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.310648649930954},{"word":"to","start":1363.5,"end":1363.66,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.29391637444496155},{"word":"go","start":1363.66,"end":1363.8201,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.2762410342693329},{"word":"through","start":1363.8201,"end":1364.14,"confidence":0.9819336,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.295899361371994},{"word":"probate","start":1364.14,"end":1364.54,"confidence":0.9165039,"punctuated_word":"probate,","sentiment":"negative","sentiment_score":-0.3600732684135437},{"word":"and","start":1364.54,"end":1364.78,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.25060737133026123},{"word":"it","start":1364.78,"end":1364.9401,"confidence":0.97314453,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2630222737789154},{"word":"can","start":1364.9401,"end":1365.26,"confidence":0.9667969,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.2324599027633667},{"word":"essentially","start":1365.26,"end":1365.7401,"confidence":0.98828125,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":-0.1927347183227539},{"word":"mean","start":1365.7401,"end":1366.2401,"confidence":0.97265625,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":-0.18497395515441897},{"word":"that","start":1366.7001,"end":1366.9401,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.19865627586841583},{"word":"other","start":1366.9401,"end":1367.26,"confidence":0.98828125,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.2597668170928955},{"word":"parties","start":1367.26,"end":1367.7401,"confidence":0.9902344,"punctuated_word":"parties","sentiment":"neutral","sentiment_score":-0.22181066870689392},{"word":"can","start":1367.7401,"end":1367.9,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.2099461555480957},{"word":"come","start":1367.9,"end":1368.14,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.16724132001399994},{"word":"forward","start":1368.14,"end":1368.62,"confidence":0.8757324,"punctuated_word":"forward,","sentiment":"neutral","sentiment_score":-0.22789524495601657},{"word":"people","start":1368.62,"end":1369.02,"confidence":0.9873047,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.30402249097824097},{"word":"you","start":1369.02,"end":1369.18,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.3183738589286804},{"word":"may","start":1369.18,"end":1369.3401,"confidence":1.0,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.2534342110157013},{"word":"not","start":1369.3401,"end":1369.5801,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.35429418087005615},{"word":"want","start":1369.5801,"end":1369.8201,"confidence":1.0,"punctuated_word":"want","sentiment":"negative","sentiment_score":-0.3715374171733856},{"word":"to","start":1369.8201,"end":1370.2201,"confidence":0.95336914,"punctuated_word":"to,","sentiment":"negative","sentiment_score":-0.3480495810508728},{"word":"family","start":1370.2201,"end":1370.54,"confidence":0.625,"punctuated_word":"family","sentiment":"negative","sentiment_score":-0.4263506829738617},{"word":"members","start":1370.54,"end":1370.9401,"confidence":0.99902344,"punctuated_word":"members","sentiment":"negative","sentiment_score":-0.4512514173984528},{"word":"you","start":1370.9401,"end":1371.1001,"confidence":0.99609375,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.3843807578086853},{"word":"may","start":1371.1001,"end":1371.26,"confidence":1.0,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.2828107178211212},{"word":"not","start":1371.26,"end":1371.42,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.3088247776031494},{"word":"have","start":1371.42,"end":1371.66,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.30253365635871887},{"word":"spoken","start":1371.66,"end":1372.06,"confidence":0.99609375,"punctuated_word":"spoken","sentiment":"neutral","sentiment_score":-0.3102419078350067},{"word":"to","start":1372.06,"end":1372.2201,"confidence":0.99609375,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.37202709913253784},{"word":"in","start":1372.2201,"end":1372.4601,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.3242586851119995},{"word":"years","start":1372.4601,"end":1372.875,"confidence":0.76171875,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.2595895826816559},{"word":"who","start":1372.955,"end":1373.195,"confidence":0.98828125,"punctuated_word":"who","sentiment":"neutral","sentiment_score":-0.2774944305419922},{"word":"can","start":1373.195,"end":1373.355,"confidence":0.9970703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.2244589626789093},{"word":"come","start":1373.355,"end":1373.595,"confidence":0.99902344,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.2140403687953949},{"word":"forward","start":1373.595,"end":1373.915,"confidence":0.99316406,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":-0.28639939427375793},{"word":"and","start":1373.915,"end":1374.075,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2706671357154846},{"word":"stake","start":1374.075,"end":1374.395,"confidence":0.51708984,"punctuated_word":"stake","sentiment":"neutral","sentiment_score":-0.24839654564857483},{"word":"a","start":1374.395,"end":1374.475,"confidence":0.73046875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.19989925622940063},{"word":"claim","start":1374.475,"end":1374.795,"confidence":1.0,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.2358095347881317},{"word":"on","start":1374.795,"end":1374.955,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2709004282951355},{"word":"your","start":1374.955,"end":1375.195,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.2542133033275604},{"word":"assets","start":1375.195,"end":1375.695,"confidence":0.96875,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":-0.20609569549560547},{"word":"i","start":1376.155,"end":1376.315,"confidence":0.6118164,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.20358893275260925},{"word":"have","start":1376.315,"end":1376.555,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.18522745370864868},{"word":"seen","start":1376.555,"end":1376.875,"confidence":0.99316406,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.19118207693099976},{"word":"instances","start":1376.875,"end":1377.355,"confidence":0.98291016,"punctuated_word":"instances","sentiment":"neutral","sentiment_score":-0.1685461848974228},{"word":"where","start":1377.355,"end":1377.595,"confidence":0.9921875,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.18059998750686648},{"word":"the","start":1377.595,"end":1377.675,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.25293153524398804},{"word":"assets","start":1377.675,"end":1377.995,"confidence":0.9892578,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.30614393949508667},{"word":"have","start":1377.995,"end":1378.235,"confidence":0.95166016,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.22418320178985596},{"word":"not","start":1378.235,"end":1378.395,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2246115803718567},{"word":"been","start":1378.395,"end":1378.555,"confidence":0.97802734,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.2049154043197632},{"word":"provided","start":1378.555,"end":1379.035,"confidence":1.0,"punctuated_word":"provided","sentiment":"neutral","sentiment_score":-0.19395866990089417},{"word":"to","start":1379.035,"end":1379.195,"confidence":0.9223633,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17217466235160828},{"word":"the","start":1379.195,"end":1379.275,"confidence":0.7602539,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19952644407749176},{"word":"people","start":1379.275,"end":1379.595,"confidence":0.99902344,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.1856486201286316},{"word":"that","start":1379.595,"end":1379.995,"confidence":0.9580078,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1833415329456329},{"word":"that","start":1379.995,"end":1380.075,"confidence":0.7680664,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.17773586511611938},{"word":"the","start":1380.075,"end":1380.575,"confidence":0.67089844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2171664834022522},{"word":"the","start":1380.875,"end":1380.955,"confidence":0.5859375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2084352970123291},{"word":"person","start":1380.955,"end":1381.275,"confidence":0.9970703,"punctuated_word":"person","sentiment":"neutral","sentiment_score":-0.17013168334960938},{"word":"who","start":1381.275,"end":1381.515,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":-0.2278725802898407},{"word":"passed","start":1381.515,"end":1381.755,"confidence":0.9970703,"punctuated_word":"passed","sentiment":"neutral","sentiment_score":-0.29822710156440735},{"word":"away","start":1381.755,"end":1382.075,"confidence":0.9970703,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.23677730560302737},{"word":"wanted","start":1382.075,"end":1382.395,"confidence":0.99316406,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.196067214012146},{"word":"them","start":1382.395,"end":1382.635,"confidence":0.9970703,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.25018250942230225},{"word":"to","start":1382.635,"end":1382.715,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.22025638818740845},{"word":"go","start":1382.715,"end":1382.955,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.2280673384666443},{"word":"to","start":1382.955,"end":1383.455,"confidence":0.92944336,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":-0.19101408123970032},{"word":"and","start":1384.155,"end":1384.475,"confidence":0.98828125,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.06800360977649689},{"word":"while","start":1384.475,"end":1384.795,"confidence":0.9604492,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.09571386128664015},{"word":"in","start":1384.795,"end":1384.955,"confidence":0.9536133,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11391402035951614},{"word":"most","start":1384.955,"end":1385.275,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.1000649705529213},{"word":"instances","start":1385.275,"end":1385.755,"confidence":0.77319336,"punctuated_word":"instances,","sentiment":"neutral","sentiment_score":-0.12645505368709564},{"word":"everything","start":1385.755,"end":1386.155,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.14392206072807312},{"word":"goes","start":1386.155,"end":1386.475,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.14434540271759033},{"word":"to","start":1386.475,"end":1386.555,"confidence":0.97998047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1832623928785324},{"word":"your","start":1386.555,"end":1386.795,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1620052456855774},{"word":"wife","start":1386.795,"end":1387.195,"confidence":0.9748535,"punctuated_word":"wife,","sentiment":"neutral","sentiment_score":-0.12734869122505188},{"word":"there","start":1387.195,"end":1387.435,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.1141909807920456},{"word":"are","start":1387.435,"end":1387.595,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.10021144896745682},{"word":"some","start":1387.595,"end":1387.835,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.11733164638280869},{"word":"cases","start":1387.835,"end":1388.235,"confidence":1.0,"punctuated_word":"cases","sentiment":"neutral","sentiment_score":-0.20857854187488556},{"word":"where","start":1388.235,"end":1388.7,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.1443273425102234},{"word":"a","start":1388.7799,"end":1388.94,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1941800117492676},{"word":"judge","start":1388.94,"end":1389.0599,"confidence":1.0,"punctuated_word":"judge","sentiment":"neutral","sentiment_score":-0.22933848202228543},{"word":"of","start":1389.0599,"end":1389.1799,"confidence":0.7348633,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2368728220462799},{"word":"the","start":1389.1799,"end":1389.4199,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.24429674446582791},{"word":"court","start":1389.4199,"end":1389.74,"confidence":0.99902344,"punctuated_word":"court","sentiment":"neutral","sentiment_score":-0.1806337535381317},{"word":"system","start":1389.74,"end":1390.22,"confidence":0.99902344,"punctuated_word":"system","sentiment":"neutral","sentiment_score":-0.247094064950943},{"word":"may","start":1390.22,"end":1390.5399,"confidence":0.9980469,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.1545531302690506},{"word":"see","start":1390.5399,"end":1390.94,"confidence":0.98828125,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.15232177078723907},{"word":"or","start":1390.94,"end":1391.26,"confidence":0.75390625,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.13637441396713257},{"word":"legislation","start":1391.26,"end":1391.76,"confidence":0.9970703,"punctuated_word":"legislation","sentiment":"neutral","sentiment_score":-0.15467703342437744},{"word":"may","start":1392.0599,"end":1392.46,"confidence":0.99902344,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.14084526896476746},{"word":"allow","start":1392.46,"end":1392.86,"confidence":0.99902344,"punctuated_word":"allow","sentiment":"neutral","sentiment_score":-0.11901937425136566},{"word":"for","start":1392.86,"end":1393.0199,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.08013630658388138},{"word":"other","start":1393.0199,"end":1393.26,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.1692676842212677},{"word":"parties","start":1393.26,"end":1393.76,"confidence":0.99902344,"punctuated_word":"parties","sentiment":"neutral","sentiment_score":-0.11652573943138124},{"word":"to","start":1393.82,"end":1394.0599,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10058926045894624},{"word":"be","start":1394.0599,"end":1394.2999,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.13586464524269104},{"word":"paid","start":1394.2999,"end":1394.62,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.1883576512336731},{"word":"out","start":1394.62,"end":1394.86,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.17386838793754578},{"word":"some","start":1394.86,"end":1395.1,"confidence":0.98095703,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.14388324320316315},{"word":"of","start":1395.1,"end":1395.26,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.20274718105793},{"word":"your","start":1395.26,"end":1395.76,"confidence":0.739624,"punctuated_word":"your,","sentiment":"neutral","sentiment_score":-0.1519761085510254},{"word":"estate","start":1396.22,"end":1396.72,"confidence":0.8947754,"punctuated_word":"estate.","sentiment":"neutral","sentiment_score":-0.1876124143600464},{"word":"so","start":1396.86,"end":1397.34,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04125067591667175},{"word":"it","start":1397.34,"end":1397.58,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1424766480922699},{"word":"is","start":1397.58,"end":1397.74,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10748089849948884},{"word":"really","start":1397.74,"end":1397.98,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.16022293269634247},{"word":"important","start":1397.98,"end":1398.38,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.0611385703086853},{"word":"to","start":1398.38,"end":1398.46,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1372796595096588},{"word":"make","start":1398.46,"end":1398.7,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.14500540494918823},{"word":"sure","start":1398.7,"end":1398.86,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.22804415225982663},{"word":"a","start":1398.86,"end":1398.94,"confidence":0.94140625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3299615979194641},{"word":"will","start":1398.94,"end":1399.1799,"confidence":0.99609375,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.24326898157596588},{"word":"and","start":1399.1799,"end":1399.34,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20325617492198944},{"word":"a","start":1399.34,"end":1399.4199,"confidence":0.87597656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24179445207118988},{"word":"power","start":1399.4199,"end":1399.6599,"confidence":0.9980469,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.22924476861953735},{"word":"of","start":1399.6599,"end":1399.74,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13554047048091888},{"word":"attorney","start":1399.74,"end":1400.22,"confidence":0.99902344,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.08349913358688354},{"word":"is","start":1400.22,"end":1400.46,"confidence":0.9658203,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.19554650783538816},{"word":"done","start":1400.46,"end":1400.7,"confidence":0.9892578,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.2330688238143921},{"word":"up","start":1400.7,"end":1401.2,"confidence":0.99658203,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.19280609488487244},{"word":"you","start":1401.6599,"end":1401.8999,"confidence":0.9902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.2172030210494995},{"word":"can","start":1401.8999,"end":1402.22,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.21528290212154388},{"word":"also","start":1402.22,"end":1402.46,"confidence":0.96240234,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.21016104519367215},{"word":"if","start":1402.7,"end":1402.94,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.28854191303253174},{"word":"you","start":1402.94,"end":1403.34,"confidence":0.8696289,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.2693835198879242},{"word":"speak","start":1403.82,"end":1403.98,"confidence":0.99609375,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":0.2354969084262848},{"word":"to","start":1403.98,"end":1404.2999,"confidence":0.99658203,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.23338748514652252},{"word":"like","start":1404.2999,"end":1404.675,"confidence":0.9970703,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.2308447062969208},{"word":"your","start":1404.755,"end":1404.915,"confidence":0.77001953,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.23959176242351532},{"word":"local","start":1404.915,"end":1405.155,"confidence":1.0,"punctuated_word":"local","sentiment":"neutral","sentiment_score":0.15774494409561157},{"word":"government","start":1405.155,"end":1405.655,"confidence":1.0,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.193761944770813},{"word":"agencies","start":1405.7151,"end":1406.1951,"confidence":0.97875977,"punctuated_word":"agencies,","sentiment":"neutral","sentiment_score":0.22287105023860931},{"word":"they","start":1406.1951,"end":1406.435,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.2885632812976837},{"word":"tend","start":1406.435,"end":1406.675,"confidence":0.99902344,"punctuated_word":"tend","sentiment":"positive","sentiment_score":0.3577534556388855},{"word":"to","start":1406.675,"end":1406.8351,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.29129260778427124},{"word":"do","start":1406.8351,"end":1406.995,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2855260372161865},{"word":"them","start":1406.995,"end":1407.2351,"confidence":0.98291016,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.2375680506229401},{"word":"fairly","start":1407.2351,"end":1407.635,"confidence":0.99902344,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.32432153820991516},{"word":"cheaply","start":1407.635,"end":1408.135,"confidence":0.7595215,"punctuated_word":"cheaply.","sentiment":"neutral","sentiment_score":0.2797754406929016},{"word":"and","start":1408.675,"end":1408.8351,"confidence":0.9614258,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.26996564865112305},{"word":"we","start":1408.8351,"end":1408.915,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.27694228291511536},{"word":"can","start":1408.915,"end":1409.155,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.29481545090675354},{"word":"also","start":1409.155,"end":1409.655,"confidence":0.9970703,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.30093511939048767},{"word":"send","start":1409.875,"end":1410.035,"confidence":0.76953125,"punctuated_word":"send","sentiment":"positive","sentiment_score":0.34202367067337036},{"word":"you","start":1410.035,"end":1410.3551,"confidence":0.9460449,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.37213149666786194},{"word":"if","start":1410.3551,"end":1410.5951,"confidence":1.0,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.368346631526947},{"word":"you","start":1410.5951,"end":1410.675,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2746777832508087},{"word":"would","start":1410.675,"end":1410.915,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.25740498304367065},{"word":"like","start":1410.915,"end":1411.415,"confidence":0.99365234,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.2851967513561249},{"word":"some","start":1411.4751,"end":1411.7151,"confidence":0.99121094,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.21306024491786957},{"word":"information","start":1411.7151,"end":1412.115,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.20747707784175873},{"word":"on","start":1412.115,"end":1412.275,"confidence":0.99316406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.20554347336292267},{"word":"local","start":1412.275,"end":1412.755,"confidence":0.48583984,"punctuated_word":"local","sentiment":"neutral","sentiment_score":0.18835386633872983},{"word":"solicitor","start":1412.755,"end":1413.255,"confidence":0.9760742,"punctuated_word":"solicitor","sentiment":"neutral","sentiment_score":0.22985385358333588},{"word":"or","start":1413.795,"end":1413.9551,"confidence":0.9760742,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.29827940464019775},{"word":"anywhere","start":1413.9551,"end":1414.3551,"confidence":0.9980469,"punctuated_word":"anywhere","sentiment":"neutral","sentiment_score":0.25585490465164185},{"word":"else","start":1414.3551,"end":1414.5951,"confidence":0.99902344,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.3307676911354065},{"word":"that","start":1414.5951,"end":1414.8351,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2949599623680115},{"word":"might","start":1414.8351,"end":1415.0751,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.29792800545692444},{"word":"do","start":1415.0751,"end":1415.3151,"confidence":0.99316406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.26462578773498535},{"word":"well","start":1415.3151,"end":1415.635,"confidence":0.2902832,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.2206503450870514},{"word":"very","start":1415.635,"end":1415.875,"confidence":0.92089844,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.3474421203136444},{"word":"cheaply","start":1415.875,"end":1416.3551,"confidence":0.9812012,"punctuated_word":"cheaply.","sentiment":"positive","sentiment_score":0.3601768910884857},{"word":"you","start":1416.3551,"end":1416.435,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.24247561395168304},{"word":"can","start":1416.435,"end":1416.5951,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.26192498207092285},{"word":"also","start":1416.5951,"end":1416.8351,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2687942087650299},{"word":"get","start":1416.8351,"end":1417.0751,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.29633384943008423},{"word":"a","start":1417.0751,"end":1417.2351,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.28397244215011597},{"word":"will","start":1417.2351,"end":1417.4751,"confidence":0.5439453,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2317376434803009},{"word":"kit","start":1417.4751,"end":1417.795,"confidence":0.94628906,"punctuated_word":"kit","sentiment":"neutral","sentiment_score":0.2695692479610443},{"word":"just","start":1417.795,"end":1418.035,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.30426764488220215},{"word":"from","start":1418.035,"end":1418.275,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.24562762677669525},{"word":"the","start":1418.275,"end":1418.435,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22620141506195068},{"word":"post","start":1418.435,"end":1418.755,"confidence":0.99609375,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.20408691465854645},{"word":"office","start":1418.755,"end":1419.155,"confidence":0.99902344,"punctuated_word":"office","sentiment":"neutral","sentiment_score":0.19928066432476044},{"word":"as","start":1419.155,"end":1419.3151,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.308584600687027},{"word":"well","start":1419.3151,"end":1419.81,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.26767998933792114},{"word":"i","start":1420.05,"end":1420.2101,"confidence":0.9770508,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23253126442432404},{"word":"had","start":1420.2101,"end":1420.29,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.22810408473014832},{"word":"a","start":1420.29,"end":1420.4501,"confidence":0.8886719,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2343792021274567},{"word":"look","start":1420.4501,"end":1420.6901,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.19351671636104584},{"word":"last","start":1420.6901,"end":1420.93,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.1775871217250824},{"word":"time","start":1420.93,"end":1421.17,"confidence":0.85498047,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.2197360992431641},{"word":"i","start":1421.17,"end":1421.25,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2694013714790344},{"word":"think","start":1421.25,"end":1421.4901,"confidence":0.9980469,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.22644932568073273},{"word":"they're","start":1421.4901,"end":1421.65,"confidence":0.94970703,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.29902970790863037},{"word":"about","start":1421.65,"end":1421.89,"confidence":0.97314453,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2771795094013214},{"word":"$30","start":1421.89,"end":1422.7101,"confidence":0.9746094,"punctuated_word":"$30.","sentiment":"positive","sentiment_score":0.33921313285827637},{"word":"and","start":1423.01,"end":1423.25,"confidence":0.9482422,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.31082451343536377},{"word":"as","start":1423.25,"end":1423.3301,"confidence":0.99902344,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3990640044212342},{"word":"long","start":1423.3301,"end":1423.5701,"confidence":1.0,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.4181641638278961},{"word":"as","start":1423.5701,"end":1423.65,"confidence":0.9951172,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4041692316532135},{"word":"you","start":1423.65,"end":1423.81,"confidence":0.92089844,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4062265157699585},{"word":"fill","start":1423.81,"end":1424.05,"confidence":0.921875,"punctuated_word":"fill","sentiment":"positive","sentiment_score":0.4414004683494568},{"word":"those","start":1424.05,"end":1424.3701,"confidence":0.9863281,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.35576245188713074},{"word":"will","start":1424.3701,"end":1424.6101,"confidence":0.92822266,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.371953397989273},{"word":"kits","start":1424.6101,"end":1424.8501,"confidence":0.41259766,"punctuated_word":"kits","sentiment":"positive","sentiment_score":0.34732598066329956},{"word":"out","start":1424.8501,"end":1425.3301,"confidence":0.96240234,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.4417822659015655},{"word":"correctly","start":1425.3301,"end":1425.8301,"confidence":0.9980469,"punctuated_word":"correctly","sentiment":"positive","sentiment_score":0.41940003633499146},{"word":"for","start":1425.9701,"end":1426.2101,"confidence":0.5595703,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4336003065109253},{"word":"the","start":1426.2101,"end":1426.7101,"confidence":0.84716797,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.40354493260383606},{"word":"the","start":1427.25,"end":1427.41,"confidence":0.9589844,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3906222879886627},{"word":"prompt","start":1427.41,"end":1427.91,"confidence":0.74658203,"punctuated_word":"prompt,","sentiment":"positive","sentiment_score":0.37390363216400146},{"word":"then","start":1428.4501,"end":1428.6901,"confidence":0.9941406,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.5075122117996216},{"word":"they","start":1428.6901,"end":1428.8501,"confidence":0.99902344,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.4161468744277954},{"word":"can","start":1428.8501,"end":1429.0901,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3905247449874878},{"word":"be","start":1429.0901,"end":1429.17,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.3195887506008148},{"word":"just","start":1429.17,"end":1429.4901,"confidence":0.9980469,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3929108679294586},{"word":"as","start":1429.4901,"end":1429.65,"confidence":0.99316406,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3998959958553314},{"word":"valid","start":1429.65,"end":1430.05,"confidence":0.99902344,"punctuated_word":"valid","sentiment":"neutral","sentiment_score":0.2450444847345352},{"word":"as","start":1430.05,"end":1430.2101,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4384918808937073},{"word":"well","start":1430.2101,"end":1430.4501,"confidence":0.9724121,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2495536506175995},{"word":"but","start":1430.4501,"end":1430.6101,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.14295102655887604},{"word":"it's","start":1430.6101,"end":1430.8501,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.10772343724966048},{"word":"just","start":1430.8501,"end":1431.01,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10853949934244156},{"word":"about","start":1431.01,"end":1431.3301,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0950443297624588},{"word":"making","start":1431.3301,"end":1431.5701,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.06735776364803314},{"word":"sure","start":1431.5701,"end":1431.89,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.07872481644153595},{"word":"that","start":1431.89,"end":1432.13,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16857299208641052},{"word":"everything","start":1432.13,"end":1432.53,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.2816312313079834},{"word":"you've","start":1432.53,"end":1432.8501,"confidence":0.9946289,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.2521003782749176},{"word":"worked","start":1432.8501,"end":1433.25,"confidence":1.0,"punctuated_word":"worked","sentiment":"neutral","sentiment_score":0.298423171043396},{"word":"hard","start":1433.25,"end":1433.4901,"confidence":1.0,"punctuated_word":"hard","sentiment":"positive","sentiment_score":0.3877095878124237},{"word":"for","start":1433.4901,"end":1433.7301,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.36508679389953613},{"word":"is","start":1433.7301,"end":1433.9701,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.19753487408161163},{"word":"protected","start":1433.9701,"end":1434.4701,"confidence":1.0,"punctuated_word":"protected","sentiment":"neutral","sentiment_score":0.19143891334533691},{"word":"and","start":1434.645,"end":1435.145,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2613259553909302},{"word":"distributed","start":1435.605,"end":1436.085,"confidence":1.0,"punctuated_word":"distributed","sentiment":"neutral","sentiment_score":0.24526619911193848},{"word":"in","start":1436.085,"end":1436.3251,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17872494459152222},{"word":"the","start":1436.3251,"end":1436.405,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24529334902763367},{"word":"event","start":1436.405,"end":1436.645,"confidence":0.9838867,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.14231950044631958},{"word":"that","start":1436.645,"end":1436.885,"confidence":0.8676758,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18007266521453855},{"word":"you're","start":1436.885,"end":1437.2051,"confidence":0.9445801,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1825929284095764},{"word":"passing","start":1437.2051,"end":1437.605,"confidence":0.9970703,"punctuated_word":"passing","sentiment":"neutral","sentiment_score":0.1647159457206726},{"word":"to","start":1437.605,"end":1437.765,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2096175104379654},{"word":"where","start":1437.765,"end":1438.005,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.2519215941429138},{"word":"you","start":1438.005,"end":1438.245,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2316050082445145},{"word":"want","start":1438.245,"end":1438.485,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.1945454627275467},{"word":"them","start":1438.485,"end":1438.725,"confidence":0.99902344,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.22441713511943817},{"word":"to","start":1438.725,"end":1438.805,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19232779741287231},{"word":"go","start":1438.805,"end":1439.305,"confidence":0.9995117,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.16370588541030884},{"word":"okay","start":1439.4451,"end":1439.9451,"confidence":0.7722168,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.09025490283966064},{"word":"yeah","start":1441.845,"end":1442.3251,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2936932444572449},{"word":"beautiful","start":1442.3251,"end":1442.8251,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6937874555587769},{"word":"that's","start":1443.845,"end":1444.085,"confidence":0.9165039,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.6101125478744507},{"word":"essentially","start":1444.085,"end":1444.585,"confidence":0.97998047,"punctuated_word":"essentially","sentiment":"positive","sentiment_score":0.5938689708709717},{"word":"all","start":1444.645,"end":1444.805,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.6632934212684631},{"word":"of","start":1444.805,"end":1444.965,"confidence":0.9980469,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6176644563674927},{"word":"the","start":1444.965,"end":1445.125,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5700677037239075},{"word":"recommendations","start":1445.125,"end":1445.625,"confidence":0.99609375,"punctuated_word":"recommendations","sentiment":"positive","sentiment_score":0.4964514970779419},{"word":"there","start":1445.925,"end":1446.165,"confidence":0.9291992,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.5085848569869995},{"word":"it's","start":1446.165,"end":1446.3251,"confidence":1.0,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.7638373374938965},{"word":"a","start":1446.3251,"end":1446.405,"confidence":0.9941406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.8025750517845154},{"word":"nice","start":1446.405,"end":1446.725,"confidence":1.0,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.8449666500091553},{"word":"easy","start":1446.725,"end":1447.045,"confidence":0.69189453,"punctuated_word":"easy","sentiment":"positive","sentiment_score":0.8464581966400146},{"word":"one","start":1447.045,"end":1447.285,"confidence":1.0,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.7727887630462646},{"word":"for","start":1447.285,"end":1447.4451,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7785754799842834},{"word":"you","start":1447.4451,"end":1447.685,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7543303370475769},{"word":"this","start":1447.685,"end":1447.925,"confidence":0.9980469,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.7757865190505981},{"word":"afternoon","start":1447.925,"end":1448.425,"confidence":1.0,"punctuated_word":"afternoon.","sentiment":"positive","sentiment_score":0.6750794053077698},{"word":"you","start":1448.86,"end":1449.1,"confidence":0.97314453,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.32708415389060974},{"word":"are","start":1449.1,"end":1449.1799,"confidence":0.92333984,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2937467396259308},{"word":"an","start":1449.1799,"end":1449.34,"confidence":0.96972656,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.32083985209465027},{"word":"ongoing","start":1449.34,"end":1449.82,"confidence":0.99902344,"punctuated_word":"ongoing","sentiment":"positive","sentiment_score":0.4397074580192566},{"word":"client","start":1449.82,"end":1450.1399,"confidence":0.91308594,"punctuated_word":"client.","sentiment":"positive","sentiment_score":0.4181966185569763},{"word":"you","start":1450.1399,"end":1450.2999,"confidence":0.9589844,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.2490030974149704},{"word":"do","start":1450.2999,"end":1450.46,"confidence":0.9448242,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2511736750602722},{"word":"pay","start":1450.46,"end":1450.62,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.3177779018878937},{"word":"the","start":1450.62,"end":1450.7799,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34657159447669983},{"word":"ongoing","start":1450.7799,"end":1451.1799,"confidence":0.99902344,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.30570459365844727},{"word":"service","start":1451.1799,"end":1451.5,"confidence":0.9980469,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.2643781304359436},{"word":"fees","start":1451.5,"end":1451.82,"confidence":0.48291016,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.3166658878326416},{"word":"so","start":1451.82,"end":1451.8999,"confidence":0.95166016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.32588040828704834},{"word":"all","start":1451.8999,"end":1452.0599,"confidence":0.9892578,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.3102843761444092},{"word":"the","start":1452.0599,"end":1452.22,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.41265854239463806},{"word":"advice","start":1452.22,"end":1452.62,"confidence":0.98291016,"punctuated_word":"advice","sentiment":"positive","sentiment_score":0.4433321356773377},{"word":"provided","start":1452.62,"end":1453.0199,"confidence":0.84472656,"punctuated_word":"provided,","sentiment":"positive","sentiment_score":0.4481964111328125},{"word":"there's","start":1453.0199,"end":1453.26,"confidence":0.9946289,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.4096718728542328},{"word":"no","start":1453.26,"end":1453.4199,"confidence":0.98095703,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.3089043200016022},{"word":"implementation","start":1453.4199,"end":1453.9199,"confidence":0.99902344,"punctuated_word":"implementation","sentiment":"neutral","sentiment_score":0.2399873435497284},{"word":"fees","start":1454.2999,"end":1454.62,"confidence":0.99121094,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.1886250376701355},{"word":"for","start":1454.62,"end":1454.7799,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.32687485218048096},{"word":"doing","start":1454.7799,"end":1455.0199,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.3301289677619934},{"word":"any","start":1455.0199,"end":1455.26,"confidence":1.0,"punctuated_word":"any","sentiment":"positive","sentiment_score":0.37867605686187744},{"word":"of","start":1455.26,"end":1455.4199,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.42883384227752686},{"word":"this","start":1455.4199,"end":1455.9199,"confidence":0.986084,"punctuated_word":"this.","sentiment":"positive","sentiment_score":0.39158371090888977},{"word":"it's","start":1455.98,"end":1456.22,"confidence":0.98950195,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.43961101770401},{"word":"all","start":1456.22,"end":1456.38,"confidence":0.9873047,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.362627774477005},{"word":"part","start":1456.38,"end":1456.5399,"confidence":0.9980469,"punctuated_word":"part","sentiment":"positive","sentiment_score":0.3841301798820496},{"word":"of","start":1456.5399,"end":1456.7,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4469296634197235},{"word":"our","start":1456.7,"end":1456.86,"confidence":0.97509766,"punctuated_word":"our","sentiment":"positive","sentiment_score":0.4404662549495697},{"word":"services","start":1456.86,"end":1457.26,"confidence":0.90478516,"punctuated_word":"services","sentiment":"positive","sentiment_score":0.4170182943344116},{"word":"and","start":1457.26,"end":1457.4199,"confidence":0.49316406,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.42948928475379944},{"word":"just","start":1457.4199,"end":1457.6599,"confidence":0.99609375,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4145130813121796},{"word":"making","start":1457.6599,"end":1457.8999,"confidence":1.0,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.46049827337265015},{"word":"sure","start":1457.8999,"end":1458.0599,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.43919312953948975},{"word":"we've","start":1458.0599,"end":1458.2999,"confidence":0.99853516,"punctuated_word":"we've","sentiment":"positive","sentiment_score":0.47258591651916504},{"word":"updated","start":1458.2999,"end":1458.7,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"positive","sentiment_score":0.3431585133075714},{"word":"the","start":1458.7,"end":1458.86,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.47300100326538086},{"word":"advice","start":1458.86,"end":1459.26,"confidence":0.9951172,"punctuated_word":"advice","sentiment":"positive","sentiment_score":0.42063507437705994},{"word":"and","start":1459.26,"end":1459.4199,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4826504290103912},{"word":"recommendations","start":1459.4199,"end":1459.9199,"confidence":0.9951172,"punctuated_word":"recommendations","sentiment":"positive","sentiment_score":0.33774590492248535},{"word":"there","start":1460.22,"end":1460.46,"confidence":0.984375,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.4436298608779907},{"word":"for","start":1460.46,"end":1460.62,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4853233695030213},{"word":"you","start":1460.62,"end":1461.045,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.46627628803253174},{"word":"because","start":1461.4451,"end":1461.685,"confidence":1.0,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.3367820084095001},{"word":"we","start":1461.685,"end":1461.8451,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19688165187835693},{"word":"had","start":1461.8451,"end":1462.0851,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.14927729964256287},{"word":"to","start":1462.0851,"end":1462.245,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1578269004821777},{"word":"retain","start":1462.245,"end":1462.5651,"confidence":0.9921875,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.05061443150043487},{"word":"c","start":1462.5651,"end":1462.7251,"confidence":0.37182617,"punctuated_word":"C","sentiment":"neutral","sentiment_score":0.0378708615899086},{"word":"bus","start":1462.7251,"end":1463.045,"confidence":0.39453125,"punctuated_word":"bus","sentiment":"neutral","sentiment_score":0.09284204989671709},{"word":"last","start":1463.045,"end":1463.285,"confidence":0.99121094,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.04906391352415085},{"word":"year","start":1463.285,"end":1463.525,"confidence":0.95825195,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.16327647864818573},{"word":"the","start":1463.525,"end":1463.6051,"confidence":0.99609375,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.01682678610086441},{"word":"last","start":1463.6051,"end":1463.925,"confidence":0.9970703,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.08354644477367401},{"word":"advice","start":1463.925,"end":1464.245,"confidence":0.60253906,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.0581464022397995},{"word":"they","start":1464.245,"end":1464.405,"confidence":0.34448242,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.10654091835021973},{"word":"didn't","start":1464.405,"end":1464.7251,"confidence":0.8117676,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.12249767780303956},{"word":"allow","start":1464.7251,"end":1465.045,"confidence":0.99902344,"punctuated_word":"allow","sentiment":"neutral","sentiment_score":-0.22857102751731873},{"word":"us","start":1465.045,"end":1465.125,"confidence":0.99609375,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.1125698909163475},{"word":"to","start":1465.125,"end":1465.285,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12917320430278778},{"word":"do","start":1465.285,"end":1465.4451,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.1573934555053711},{"word":"the","start":1465.4451,"end":1465.525,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17531278729438782},{"word":"rollover","start":1465.525,"end":1466.005,"confidence":0.77408856,"punctuated_word":"rollover,","sentiment":"neutral","sentiment_score":-0.10285453498363496},{"word":"so","start":1466.005,"end":1466.245,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.017747290432453156},{"word":"i","start":1466.245,"end":1466.405,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16604702174663544},{"word":"wanted","start":1466.405,"end":1466.645,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.1591479778289795},{"word":"to","start":1466.645,"end":1466.7251,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14486771821975708},{"word":"make","start":1466.7251,"end":1466.885,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.09044239670038225},{"word":"sure","start":1466.885,"end":1467.125,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.10966958105564116},{"word":"this","start":1467.125,"end":1467.365,"confidence":0.9863281,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.04838007688522339},{"word":"was","start":1467.365,"end":1467.6051,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.08210006356239319},{"word":"updated","start":1467.6051,"end":1468.0851,"confidence":1.0,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.10296513140201569},{"word":"for","start":1468.0851,"end":1468.3251,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11905056238174438},{"word":"you","start":1468.3251,"end":1468.7251,"confidence":0.8388672,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1230929046869278},{"word":"and","start":1468.7251,"end":1468.885,"confidence":0.8232422,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.09862884134054184},{"word":"also","start":1468.885,"end":1469.2051,"confidence":0.99902344,"punctuated_word":"also,","sentiment":"neutral","sentiment_score":0.09801356494426729},{"word":"just","start":1469.2051,"end":1469.365,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09705696254968645},{"word":"make","start":1469.365,"end":1469.525,"confidence":0.9316406,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.07793626934289932},{"word":"sure","start":1469.525,"end":1469.685,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.08617016673088074},{"word":"we're","start":1469.685,"end":1469.925,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.12616756558418274},{"word":"reviewing","start":1469.925,"end":1470.3251,"confidence":1.0,"punctuated_word":"reviewing","sentiment":"neutral","sentiment_score":0.07749379426240921},{"word":"the","start":1470.3251,"end":1470.405,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.024415023624897003},{"word":"investments","start":1470.405,"end":1470.905,"confidence":0.8276367,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.03654411435127258},{"word":"for","start":1470.9651,"end":1471.125,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0228104367852211},{"word":"you","start":1471.125,"end":1471.285,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11611879616975784},{"word":"regularly","start":1471.285,"end":1471.785,"confidence":0.99316406,"punctuated_word":"regularly","sentiment":"neutral","sentiment_score":0.10043004155158997},{"word":"as","start":1471.8451,"end":1471.925,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08112751692533493},{"word":"well","start":1471.925,"end":1472.165,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.10179348289966585},{"word":"because","start":1472.165,"end":1472.665,"confidence":0.79541016,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.025750063359737396},{"word":"the","start":1472.7251,"end":1472.885,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21334603428840637},{"word":"investments","start":1472.885,"end":1473.365,"confidence":0.9873047,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.20161239802837372},{"word":"provided","start":1473.365,"end":1473.765,"confidence":0.9970703,"punctuated_word":"provided","sentiment":"neutral","sentiment_score":-0.24241244792938232},{"word":"when","start":1473.765,"end":1474.005,"confidence":0.9941406,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.13152264058589935},{"word":"you","start":1474.005,"end":1474.0851,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1459573358297348},{"word":"came","start":1474.0851,"end":1474.3251,"confidence":1.0,"punctuated_word":"came","sentiment":"neutral","sentiment_score":-0.115398570895195},{"word":"on","start":1474.3251,"end":1474.485,"confidence":0.66748047,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.12595686316490173},{"word":"board","start":1474.485,"end":1474.7251,"confidence":0.9921875,"punctuated_word":"board","sentiment":"neutral","sentiment_score":-0.09321054816246031},{"word":"or","start":1474.7251,"end":1474.885,"confidence":0.91503906,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.10428455471992493},{"word":"a","start":1474.885,"end":1474.9651,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.176963672041893},{"word":"couple","start":1474.9651,"end":1475.2051,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.2336600571870804},{"word":"of","start":1475.2051,"end":1475.365,"confidence":0.98095703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.19044119119644165},{"word":"years","start":1475.365,"end":1475.6051,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.21248123049736023},{"word":"ago","start":1475.6051,"end":1476.1051,"confidence":0.99902344,"punctuated_word":"ago","sentiment":"neutral","sentiment_score":-0.19537000358104703},{"word":"may","start":1476.92,"end":1477.08,"confidence":0.99609375,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.2726629972457886},{"word":"not","start":1477.08,"end":1477.32,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.25758427381515503},{"word":"be","start":1477.32,"end":1477.48,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.16746363043785095},{"word":"appropriate","start":1477.48,"end":1477.96,"confidence":1.0,"punctuated_word":"appropriate","sentiment":"neutral","sentiment_score":-0.1703517884016037},{"word":"now","start":1477.96,"end":1478.36,"confidence":0.9921875,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.2031003087759018},{"word":"we","start":1478.36,"end":1478.6,"confidence":0.9970703,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.0643438920378685},{"word":"wanted","start":1478.6,"end":1478.84,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.002156972885131836},{"word":"to","start":1478.84,"end":1478.92,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.027999207377433777},{"word":"update","start":1478.92,"end":1479.32,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.02352847158908844},{"word":"the","start":1479.32,"end":1479.48,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03633633255958557},{"word":"the","start":1479.48,"end":1479.72,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0016258656978607178},{"word":"portfolio","start":1479.72,"end":1480.22,"confidence":0.9980469,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.027607247233390808},{"word":"now","start":1480.28,"end":1480.44,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.02387489378452301},{"word":"because","start":1480.44,"end":1480.76,"confidence":0.9614258,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.001183174550533295},{"word":"there","start":1480.76,"end":1480.92,"confidence":0.9902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.08497034758329391},{"word":"are","start":1480.92,"end":1481.0,"confidence":0.9921875,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.1047794744372368},{"word":"some","start":1481.0,"end":1481.16,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.14457786083221436},{"word":"underperforming","start":1481.16,"end":1481.66,"confidence":0.96362305,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.12572026252746582},{"word":"or","start":1481.96,"end":1482.04,"confidence":0.7890625,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.21396200358867645},{"word":"changes","start":1482.04,"end":1482.52,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.19614900648593905},{"word":"to","start":1482.52,"end":1482.6,"confidence":0.9658203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12114272266626358},{"word":"the","start":1482.6,"end":1482.76,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16927969455718994},{"word":"investments","start":1482.76,"end":1483.26,"confidence":0.6706543,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":-0.05095415934920311},{"word":"and","start":1483.48,"end":1483.64,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05825763940811157},{"word":"then","start":1483.64,"end":1483.88,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10382820665836334},{"word":"we'll","start":1483.88,"end":1484.04,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.12499621510505676},{"word":"keep","start":1484.04,"end":1484.28,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.08663687109947205},{"word":"reviewing","start":1484.28,"end":1484.68,"confidence":0.99902344,"punctuated_word":"reviewing","sentiment":"neutral","sentiment_score":0.04608152061700821},{"word":"those","start":1484.68,"end":1484.92,"confidence":0.97802734,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.021941140294075012},{"word":"more","start":1484.92,"end":1485.24,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.018996521830558777},{"word":"for","start":1485.24,"end":1485.4,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05972597002983093},{"word":"you","start":1485.4,"end":1485.5599,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09481333941221236},{"word":"because","start":1485.5599,"end":1485.88,"confidence":0.7709961,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.04810027778148651},{"word":"in","start":1485.88,"end":1486.12,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03980550169944763},{"word":"another","start":1486.12,"end":1486.36,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.02918478846549988},{"word":"couple","start":1486.36,"end":1486.68,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.06669360399246216},{"word":"of","start":1486.68,"end":1486.76,"confidence":0.9741211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.029133841395378113},{"word":"years","start":1486.76,"end":1486.92,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.033661313354969025},{"word":"or","start":1486.92,"end":1487.08,"confidence":0.9941406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06111963838338852},{"word":"another","start":1487.08,"end":1487.4,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.04975106567144394},{"word":"year","start":1487.4,"end":1487.64,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.00926154851913452},{"word":"or","start":1487.64,"end":1487.8,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04969539493322373},{"word":"two","start":1487.8,"end":1487.96,"confidence":0.9914551,"punctuated_word":"two,","sentiment":"neutral","sentiment_score":-0.03943769633769989},{"word":"there","start":1487.96,"end":1488.2,"confidence":0.9921875,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.03706565499305725},{"word":"may","start":1488.2,"end":1488.36,"confidence":1.0,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.05366293340921402},{"word":"need","start":1488.36,"end":1488.6,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.022330738604068756},{"word":"to","start":1488.6,"end":1488.68,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02484193444252014},{"word":"be","start":1488.68,"end":1488.84,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.031021468341350555},{"word":"some","start":1488.84,"end":1489.08,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.08995132893323898},{"word":"changes","start":1489.08,"end":1489.5599,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.09809308499097824},{"word":"again","start":1489.5599,"end":1489.96,"confidence":0.9980469,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":-0.06476233154535294},{"word":"so","start":1489.96,"end":1490.445,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09146110713481904},{"word":"advice","start":1490.9249,"end":1491.245,"confidence":0.9819336,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.11386950314044952},{"word":"is","start":1491.245,"end":1491.4049,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10313992202281952},{"word":"very","start":1491.4049,"end":1491.6449,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.08087503910064697},{"word":"much","start":1491.6449,"end":1491.8849,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.10503486543893814},{"word":"fluid","start":1491.8849,"end":1492.365,"confidence":0.5678711,"punctuated_word":"fluid.","sentiment":"neutral","sentiment_score":0.1070830449461937},{"word":"it","start":1492.365,"end":1492.445,"confidence":0.5263672,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.17209182679653168},{"word":"needs","start":1492.445,"end":1492.6849,"confidence":0.99609375,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":0.1768004298210144},{"word":"to","start":1492.6849,"end":1492.845,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21258628368377688},{"word":"change","start":1492.845,"end":1493.1649,"confidence":0.99902344,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.22556743025779724},{"word":"as","start":1493.1649,"end":1493.6649,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.20882652699947357},{"word":"your","start":1493.8849,"end":1494.205,"confidence":0.98535156,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1703236699104309},{"word":"life","start":1494.205,"end":1494.5249,"confidence":0.99316406,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.11497996747493744},{"word":"changes","start":1494.5249,"end":1495.005,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.21767376363277435},{"word":"as","start":1495.005,"end":1495.1649,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.20290586352348328},{"word":"well","start":1495.1649,"end":1495.565,"confidence":0.8959961,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2311270236968994},{"word":"so","start":1495.565,"end":1495.8049,"confidence":0.96875,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.35814976692199707},{"word":"it's","start":1495.8049,"end":1496.0449,"confidence":0.9946289,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.4452318549156189},{"word":"about","start":1496.0449,"end":1496.2849,"confidence":0.99902344,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.465830534696579},{"word":"making","start":1496.2849,"end":1496.605,"confidence":1.0,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.54731684923172},{"word":"sure","start":1496.605,"end":1496.845,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.5471026301383972},{"word":"we","start":1496.845,"end":1497.005,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.6147726774215698},{"word":"update","start":1497.005,"end":1497.325,"confidence":1.0,"punctuated_word":"update","sentiment":"positive","sentiment_score":0.5147234797477722},{"word":"these","start":1497.325,"end":1497.6449,"confidence":0.8071289,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.5742079615592957},{"word":"for","start":1497.6449,"end":1497.8849,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.600314736366272},{"word":"you","start":1497.8849,"end":1498.0449,"confidence":0.9609375,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.5333617925643921},{"word":"and","start":1498.0449,"end":1498.5449,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5739830732345581},{"word":"we","start":1498.845,"end":1499.005,"confidence":0.9404297,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.7600069046020508},{"word":"enjoy","start":1499.005,"end":1499.325,"confidence":0.89208984,"punctuated_word":"enjoy","sentiment":"positive","sentiment_score":0.7925366163253784},{"word":"putting","start":1499.325,"end":1499.6449,"confidence":1.0,"punctuated_word":"putting","sentiment":"positive","sentiment_score":0.8343887329101562},{"word":"it","start":1499.6449,"end":1499.8849,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.7684129476547241},{"word":"together","start":1499.8849,"end":1500.365,"confidence":1.0,"punctuated_word":"together","sentiment":"positive","sentiment_score":0.7843847870826721},{"word":"there","start":1500.365,"end":1500.865,"confidence":0.97216797,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.6630644798278809},{"word":"as","start":1501.485,"end":1501.8049,"confidence":0.78759766,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.22573301196098328},{"word":"moving","start":1502.125,"end":1502.445,"confidence":0.98828125,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.2186395823955536},{"word":"forward","start":1502.445,"end":1502.7649,"confidence":0.9951172,"punctuated_word":"forward,","sentiment":"neutral","sentiment_score":0.21109414100646973},{"word":"did","start":1502.7649,"end":1502.9249,"confidence":0.9980469,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.06419537216424942},{"word":"you","start":1502.9249,"end":1503.005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09505545347929},{"word":"want","start":1503.005,"end":1503.1649,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.08688751608133316},{"word":"me","start":1503.1649,"end":1503.325,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.08735981583595276},{"word":"to","start":1503.325,"end":1503.4049,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0826181173324585},{"word":"do","start":1503.4049,"end":1503.4849,"confidence":0.99316406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.057283639907836914},{"word":"i","start":1503.565,"end":1503.725,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05146993696689606},{"word":"know","start":1503.725,"end":1503.8849,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.046861179172992706},{"word":"you","start":1503.8849,"end":1504.0449,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05216456949710846},{"word":"do","start":1504.0449,"end":1504.205,"confidence":0.49316406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0690828263759613},{"word":"for","start":1504.205,"end":1504.445,"confidence":0.97265625,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09228815883398056},{"word":"a","start":1504.445,"end":1504.605,"confidence":0.8798828,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08439336717128754},{"word":"review","start":1504.605,"end":1505.005,"confidence":0.9970703,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.09877113252878188},{"word":"at","start":1505.005,"end":1505.1649,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.035317011177539825},{"word":"the","start":1505.1649,"end":1505.325,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08690853416919708},{"word":"end","start":1505.325,"end":1505.485,"confidence":0.99902344,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.095657117664814},{"word":"of","start":1505.485,"end":1505.565,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10549752414226532},{"word":"the","start":1505.565,"end":1505.725,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0943434312939644},{"word":"year","start":1505.725,"end":1505.8849,"confidence":0.9970703,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.14948660135269165},{"word":"there","start":1505.8849,"end":1506.0449,"confidence":0.9038086,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.0675305500626564},{"word":"but","start":1506.0449,"end":1506.2849,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.034539446234703064},{"word":"did","start":1506.2849,"end":1506.39,"confidence":0.93603516,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.009431004524230955},{"word":"you","start":1506.39,"end":1506.47,"confidence":0.61621094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05626308917999267},{"word":"wanna","start":1506.47,"end":1506.71,"confidence":0.9902344,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.08583156764507294},{"word":"do","start":1506.71,"end":1506.79,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06454549729824066},{"word":"a","start":1506.79,"end":1506.87,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04111047834157944},{"word":"bit","start":1506.87,"end":1507.03,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.05279730260372162},{"word":"of","start":1507.03,"end":1507.1901,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06221607327461243},{"word":"a","start":1507.1901,"end":1507.27,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03250604122877121},{"word":"catch","start":1507.27,"end":1507.43,"confidence":0.99609375,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.05635697394609451},{"word":"up","start":1507.43,"end":1507.59,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.003861501812934875},{"word":"in","start":1507.59,"end":1507.83,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.006283603608608246},{"word":"a","start":1507.83,"end":1507.91,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05496775358915329},{"word":"few","start":1507.91,"end":1508.0701,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.03710491210222244},{"word":"months","start":1508.0701,"end":1508.31,"confidence":0.8029785,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.05076947063207626},{"word":"or","start":1508.31,"end":1508.47,"confidence":0.99316406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.028861619532108307},{"word":"are","start":1508.47,"end":1508.55,"confidence":0.9658203,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.03633679077029228},{"word":"you","start":1508.55,"end":1508.71,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16025252640247345},{"word":"happy","start":1508.71,"end":1509.03,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.1407676637172699},{"word":"to","start":1509.03,"end":1509.1901,"confidence":0.5986328,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1223285347223282},{"word":"touch","start":1509.1901,"end":1509.59,"confidence":0.94189453,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.09164134413003922},{"word":"base","start":1509.59,"end":1510.09,"confidence":0.9970703,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.08520840853452682},{"word":"at","start":1510.23,"end":1510.39,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06953807175159454},{"word":"the","start":1510.39,"end":1510.47,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14324313402175903},{"word":"end","start":1510.47,"end":1510.63,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.15940800309181213},{"word":"of","start":1510.63,"end":1510.79,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17264506220817566},{"word":"the","start":1510.79,"end":1510.87,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13304951786994934},{"word":"year","start":1510.87,"end":1511.11,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.15856684744358063},{"word":"for","start":1511.11,"end":1511.1901,"confidence":0.92089844,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11773696541786194},{"word":"your","start":1511.1901,"end":1511.43,"confidence":0.98291016,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11372172832489014},{"word":"review","start":1511.43,"end":1511.75,"confidence":0.99609375,"punctuated_word":"review?","sentiment":"neutral","sentiment_score":0.08568879961967468},{"word":"what","start":1511.75,"end":1511.91,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.0302518829703331},{"word":"would","start":1511.91,"end":1512.15,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.05753990262746811},{"word":"you","start":1512.15,"end":1512.31,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04630121216177941},{"word":"like","start":1512.31,"end":1512.55,"confidence":0.9980469,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.06749607622623444},{"word":"aaron","start":1512.55,"end":1513.05,"confidence":0.92822266,"punctuated_word":"Aaron?","sentiment":"neutral","sentiment_score":0.08522512018680573},{"word":"and","start":1515.11,"end":1515.35,"confidence":0.8911133,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10222458839416504},{"word":"does","start":1515.35,"end":1515.59,"confidence":0.76708984,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.12123586237430573},{"word":"a","start":1515.59,"end":1515.67,"confidence":0.6411133,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1811796277761459},{"word":"year","start":1515.67,"end":1515.83,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.15029053390026093},{"word":"just","start":1515.83,"end":1516.0701,"confidence":0.44140625,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.152531698346138},{"word":"once","start":1516.0701,"end":1516.31,"confidence":0.98828125,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.1160377562046051},{"word":"a","start":1516.31,"end":1516.47,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12738244235515594},{"word":"year","start":1516.47,"end":1516.71,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.1878095716238022},{"word":"make","start":1516.71,"end":1516.87,"confidence":0.98535156,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.27599668502807617},{"word":"it","start":1516.87,"end":1517.03,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22587862610816956},{"word":"nice","start":1517.03,"end":1517.1901,"confidence":1.0,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":0.31140390038490295},{"word":"and","start":1517.1901,"end":1517.35,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3208479881286621},{"word":"simple","start":1517.35,"end":1517.75,"confidence":1.0,"punctuated_word":"simple","sentiment":"neutral","sentiment_score":0.2385700047016144},{"word":"for","start":1517.75,"end":1517.99,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.23149727284908295},{"word":"you","start":1517.99,"end":1518.49,"confidence":0.99560547,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.14931729435920715},{"word":"yeah","start":1520.365,"end":1520.765,"confidence":0.9736328,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1817653775215149},{"word":"beautiful","start":1520.765,"end":1521.265,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.462418794631958},{"word":"not","start":1521.485,"end":1521.725,"confidence":1.0,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.29884231090545654},{"word":"an","start":1521.725,"end":1521.965,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.14566105604171753},{"word":"issue","start":1521.965,"end":1522.365,"confidence":1.0,"punctuated_word":"issue","sentiment":"neutral","sentiment_score":0.0849878266453743},{"word":"at","start":1522.365,"end":1522.605,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.26767319440841675},{"word":"all","start":1522.605,"end":1523.105,"confidence":0.9995117,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.29641345143318176},{"word":"well","start":1523.245,"end":1523.485,"confidence":0.9038086,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.10284769535064696},{"word":"look","start":1523.485,"end":1523.805,"confidence":0.7626953,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.11928732693195344},{"word":"i've","start":1523.805,"end":1524.045,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.14735057950019836},{"word":"got","start":1524.045,"end":1524.205,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1577244997024536},{"word":"the","start":1524.205,"end":1524.445,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12887705862522125},{"word":"document","start":1524.445,"end":1524.845,"confidence":0.72802734,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.1650979220867157},{"word":"there","start":1524.845,"end":1525.165,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1972083151340485},{"word":"for","start":1525.165,"end":1525.325,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20066747069358823},{"word":"you","start":1525.325,"end":1525.485,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1816854178905487},{"word":"with","start":1525.485,"end":1525.645,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.22180315852165225},{"word":"all","start":1525.645,"end":1525.885,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.180055633187294},{"word":"the","start":1525.885,"end":1525.965,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13778051733970642},{"word":"product","start":1525.965,"end":1526.365,"confidence":0.99902344,"punctuated_word":"product","sentiment":"neutral","sentiment_score":0.13931947946548462},{"word":"disclosure","start":1526.365,"end":1526.845,"confidence":0.99316406,"punctuated_word":"disclosure","sentiment":"neutral","sentiment_score":0.17076429724693298},{"word":"statements","start":1526.845,"end":1527.345,"confidence":0.93969727,"punctuated_word":"statements,","sentiment":"neutral","sentiment_score":0.1719796657562256},{"word":"our","start":1527.405,"end":1527.5651,"confidence":0.98828125,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.23576828837394712},{"word":"financial","start":1527.5651,"end":1528.045,"confidence":0.9980469,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.16976413130760193},{"word":"services","start":1528.045,"end":1528.525,"confidence":0.9921875,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.14133892953395844},{"word":"guide","start":1528.525,"end":1528.765,"confidence":0.93603516,"punctuated_word":"guide,","sentiment":"neutral","sentiment_score":0.1774558424949646},{"word":"and","start":1528.765,"end":1528.925,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19388620555400848},{"word":"any","start":1528.925,"end":1529.085,"confidence":0.99609375,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.19010531902313232},{"word":"other","start":1529.085,"end":1529.325,"confidence":0.9482422,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.16840875148773193},{"word":"additional","start":1529.325,"end":1529.725,"confidence":0.99902344,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.1379334032535553},{"word":"documents","start":1529.725,"end":1530.225,"confidence":0.99902344,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.1146007627248764},{"word":"required","start":1530.285,"end":1530.785,"confidence":0.99658203,"punctuated_word":"required.","sentiment":"neutral","sentiment_score":0.1948842406272888},{"word":"feel","start":1531.245,"end":1531.485,"confidence":0.56152344,"punctuated_word":"Feel","sentiment":"neutral","sentiment_score":0.2157537192106247},{"word":"free","start":1531.485,"end":1531.725,"confidence":1.0,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.2300513386726379},{"word":"to","start":1531.725,"end":1531.805,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22328810393810272},{"word":"run","start":1531.805,"end":1531.965,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.1915406882762909},{"word":"your","start":1531.965,"end":1532.205,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2097903937101364},{"word":"eyes","start":1532.205,"end":1532.445,"confidence":1.0,"punctuated_word":"eyes","sentiment":"neutral","sentiment_score":0.2685030400753021},{"word":"over","start":1532.445,"end":1532.685,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.27119067311286926},{"word":"that","start":1532.685,"end":1532.845,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24503621459007263},{"word":"one","start":1532.845,"end":1533.085,"confidence":0.96972656,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.1966872811317444},{"word":"have","start":1533.085,"end":1533.245,"confidence":1.0,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.18774934113025665},{"word":"a","start":1533.245,"end":1533.325,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18786755204200745},{"word":"bit","start":1533.325,"end":1533.485,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.16944620013237},{"word":"of","start":1533.485,"end":1533.645,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17818348109722135},{"word":"a","start":1533.645,"end":1533.725,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20925100147724152},{"word":"look","start":1533.725,"end":1533.965,"confidence":0.88549805,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.01313323713839054},{"word":"if","start":1533.965,"end":1534.125,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.2553233504295349},{"word":"you","start":1534.125,"end":1534.205,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26337432861328125},{"word":"do","start":1534.205,"end":1534.65,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.21437810361385343},{"word":"decide","start":1534.81,"end":1534.97,"confidence":0.99902344,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.21172624826431272},{"word":"to","start":1534.97,"end":1535.13,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25821560621261597},{"word":"take","start":1535.13,"end":1535.29,"confidence":0.9970703,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.23508018255233765},{"word":"on","start":1535.29,"end":1535.53,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2720763087272644},{"word":"the","start":1535.53,"end":1535.6901,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2541266083717346},{"word":"recommendations","start":1535.6901,"end":1536.1901,"confidence":0.9785156,"punctuated_word":"recommendations,","sentiment":"neutral","sentiment_score":0.22631950676441193},{"word":"we'll","start":1536.25,"end":1536.41,"confidence":0.9343262,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.2913777232170105},{"word":"get","start":1536.41,"end":1536.5701,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.3879031836986542},{"word":"you","start":1536.5701,"end":1536.73,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34435713291168213},{"word":"to","start":1536.73,"end":1536.81,"confidence":0.96875,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3406038284301758},{"word":"sign","start":1536.81,"end":1537.05,"confidence":0.9980469,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.2345799058675766},{"word":"and","start":1537.05,"end":1537.2101,"confidence":0.9819336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2525092661380768},{"word":"return","start":1537.2101,"end":1537.4501,"confidence":1.0,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.35189053416252136},{"word":"it","start":1537.4501,"end":1537.61,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.31872984766960144},{"word":"back","start":1537.61,"end":1537.77,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.28067106008529663},{"word":"so","start":1537.77,"end":1538.01,"confidence":0.96435547,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.39422717690467834},{"word":"we","start":1538.01,"end":1538.09,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4567736387252808},{"word":"can","start":1538.09,"end":1538.25,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.48825377225875854},{"word":"have","start":1538.25,"end":1538.41,"confidence":0.99902344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5927229523658752},{"word":"the","start":1538.41,"end":1538.65,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5828254222869873},{"word":"investment","start":1538.65,"end":1539.15,"confidence":0.7026367,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.3833787739276886},{"word":"switch","start":1539.2101,"end":1539.37,"confidence":0.8852539,"punctuated_word":"switch","sentiment":"positive","sentiment_score":0.4451264142990112},{"word":"completed","start":1539.37,"end":1539.77,"confidence":0.9970703,"punctuated_word":"completed","sentiment":"positive","sentiment_score":0.6779320240020752},{"word":"nice","start":1539.77,"end":1540.09,"confidence":0.9902344,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.7246251702308655},{"word":"and","start":1540.09,"end":1540.25,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6591116189956665},{"word":"easily","start":1540.25,"end":1540.65,"confidence":0.96972656,"punctuated_word":"easily","sentiment":"positive","sentiment_score":0.6084944605827332},{"word":"for","start":1540.65,"end":1540.81,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5745117664337158},{"word":"you","start":1540.81,"end":1541.31,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.35421642661094666},{"word":"if","start":1541.53,"end":1541.6901,"confidence":0.83984375,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.11896269023418428},{"word":"you","start":1541.6901,"end":1541.85,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14378495514392853},{"word":"do","start":1541.85,"end":1542.01,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10168086737394331},{"word":"find","start":1542.01,"end":1542.3301,"confidence":0.99902344,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.1286130249500275},{"word":"you","start":1542.3301,"end":1542.41,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10141141712665558},{"word":"have","start":1542.41,"end":1542.5701,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07478199899196625},{"word":"any","start":1542.5701,"end":1542.81,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.05163010582327843},{"word":"questions","start":1542.81,"end":1543.29,"confidence":0.9995117,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.04339426010847092},{"word":"please","start":1543.29,"end":1543.53,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.03870151937007904},{"word":"let","start":1543.53,"end":1543.77,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.0521082729101181},{"word":"me","start":1543.77,"end":1543.93,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.08202489465475082},{"word":"know","start":1543.93,"end":1544.43,"confidence":0.9975586,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.07841216027736664},{"word":"i've","start":1544.65,"end":1544.73,"confidence":0.9770508,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.14920726418495178},{"word":"outlined","start":1544.73,"end":1545.2101,"confidence":0.9921875,"punctuated_word":"outlined","sentiment":"neutral","sentiment_score":0.1584346443414688},{"word":"some","start":1545.2101,"end":1545.37,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.10114724934101103},{"word":"of","start":1545.37,"end":1545.4501,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1078229621052742},{"word":"the","start":1545.4501,"end":1545.6901,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09728526324033736},{"word":"advantages","start":1545.6901,"end":1546.1901,"confidence":0.99072266,"punctuated_word":"advantages,","sentiment":"neutral","sentiment_score":0.0777895599603653},{"word":"disadvantages","start":1546.3301,"end":1546.8301,"confidence":0.98461914,"punctuated_word":"disadvantages,","sentiment":"neutral","sentiment_score":0.02415737509727478},{"word":"risks","start":1546.97,"end":1547.265,"confidence":0.7741699,"punctuated_word":"risks,","sentiment":"neutral","sentiment_score":0.02308006212115288},{"word":"and","start":1547.265,"end":1547.505,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08167025446891785},{"word":"things","start":1547.505,"end":1547.745,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.07022064179182053},{"word":"involved","start":1547.745,"end":1548.245,"confidence":0.8684082,"punctuated_word":"involved,","sentiment":"neutral","sentiment_score":0.08444055914878845},{"word":"and","start":1548.465,"end":1548.625,"confidence":0.83984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1150088757276535},{"word":"there's","start":1548.625,"end":1548.9451,"confidence":0.99560547,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.12585413455963135},{"word":"others","start":1548.9451,"end":1549.185,"confidence":0.984375,"punctuated_word":"others","sentiment":"neutral","sentiment_score":0.10049067437648772},{"word":"noted","start":1549.185,"end":1549.505,"confidence":0.94140625,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.11661466211080553},{"word":"there","start":1549.505,"end":1549.745,"confidence":0.48120117,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.16281788051128387},{"word":"for","start":1549.745,"end":1549.905,"confidence":0.5620117,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13794489204883575},{"word":"you","start":1549.905,"end":1549.985,"confidence":0.97998047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11149164289236067},{"word":"to","start":1549.985,"end":1550.0651,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10243862867355348},{"word":"run","start":1550.0651,"end":1550.305,"confidence":0.9980469,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.08622673153877258},{"word":"your","start":1550.305,"end":1550.465,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07954521477222443},{"word":"eyes","start":1550.465,"end":1550.705,"confidence":1.0,"punctuated_word":"eyes","sentiment":"neutral","sentiment_score":0.08177492022514343},{"word":"over","start":1550.705,"end":1551.025,"confidence":0.9863281,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.14823749661445618},{"word":"as","start":1551.025,"end":1551.265,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09951069205999374},{"word":"well","start":1551.265,"end":1551.765,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1115858629345894},{"word":"okay","start":1551.8251,"end":1552.3251,"confidence":0.9875488,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1178140789270401},{"word":"all","start":1554.0651,"end":1554.305,"confidence":0.86621094,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.4366874098777771},{"word":"good","start":1554.305,"end":1554.465,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.44466373324394226},{"word":"do","start":1554.465,"end":1554.705,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.21649113297462463},{"word":"you","start":1554.705,"end":1554.865,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22195178270339969},{"word":"have","start":1554.865,"end":1555.025,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1792062669992447},{"word":"any","start":1555.025,"end":1555.265,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.16158615052700043},{"word":"questions","start":1555.265,"end":1555.665,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.1573346108198166},{"word":"or","start":1555.665,"end":1555.8251,"confidence":0.98291016,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1428757607936859},{"word":"anything","start":1555.8251,"end":1556.225,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.1446688175201416},{"word":"you","start":1556.225,"end":1556.385,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1037902757525444},{"word":"wanted","start":1556.385,"end":1556.625,"confidence":0.9970703,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.14183352887630463},{"word":"me","start":1556.625,"end":1556.785,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.11711397767066956},{"word":"to","start":1556.785,"end":1557.285,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12828992307186127},{"word":"look","start":1557.345,"end":1557.585,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.14886903762817383},{"word":"at","start":1557.585,"end":1557.745,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.16261261701583862},{"word":"or","start":1557.745,"end":1557.985,"confidence":0.8828125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1483268290758133},{"word":"anything","start":1557.985,"end":1558.305,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.15262643992900848},{"word":"you","start":1558.305,"end":1558.465,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11907033622264862},{"word":"wanted","start":1558.465,"end":1558.785,"confidence":0.6230469,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.10090940445661543},{"word":"to","start":1558.785,"end":1558.865,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10676392167806624},{"word":"ask","start":1558.865,"end":1559.025,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.11163584887981416},{"word":"while","start":1559.025,"end":1559.185,"confidence":0.9326172,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.11101102828979492},{"word":"you've","start":1559.185,"end":1559.425,"confidence":0.98217773,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.15726876258850098},{"word":"got","start":1559.425,"end":1559.585,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.16170766949653623},{"word":"me","start":1559.585,"end":1559.745,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.12577801942825317},{"word":"here","start":1559.745,"end":1559.985,"confidence":0.99609375,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.12740853428840637},{"word":"at","start":1559.985,"end":1560.145,"confidence":0.9716797,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11885763704776764},{"word":"all","start":1560.145,"end":1560.63,"confidence":0.9890137,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.10132153332233428},{"word":"yeah","start":1562.79,"end":1563.11,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.3287702202796936},{"word":"all","start":1563.11,"end":1563.35,"confidence":0.85595703,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.4531518220901489},{"word":"good","start":1563.35,"end":1563.59,"confidence":0.9880371,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.437724769115448},{"word":"well","start":1563.59,"end":1563.75,"confidence":0.9875488,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.35655829310417175},{"word":"i","start":1563.75,"end":1563.91,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.42539334297180176},{"word":"will","start":1563.91,"end":1564.07,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.42011913657188416},{"word":"let","start":1564.07,"end":1564.23,"confidence":1.0,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.4495860040187836},{"word":"you","start":1564.23,"end":1564.47,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4055622220039368},{"word":"go","start":1564.47,"end":1564.63,"confidence":1.0,"punctuated_word":"go.","sentiment":"positive","sentiment_score":0.4694967567920685},{"word":"you're","start":1564.63,"end":1564.87,"confidence":0.9970703,"punctuated_word":"You're","sentiment":"positive","sentiment_score":0.5294206142425537},{"word":"probably","start":1564.87,"end":1565.1901,"confidence":1.0,"punctuated_word":"probably","sentiment":"positive","sentiment_score":0.575251042842865},{"word":"ready","start":1565.1901,"end":1565.43,"confidence":1.0,"punctuated_word":"ready","sentiment":"positive","sentiment_score":0.6401631832122803},{"word":"to","start":1565.43,"end":1565.51,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6091824769973755},{"word":"have","start":1565.51,"end":1565.75,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5998325943946838},{"word":"a","start":1565.75,"end":1565.83,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5757368803024292},{"word":"good","start":1565.83,"end":1566.07,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5380042195320129},{"word":"afternoon","start":1566.07,"end":1566.57,"confidence":1.0,"punctuated_word":"afternoon","sentiment":"positive","sentiment_score":0.5613148212432861},{"word":"and","start":1566.63,"end":1566.95,"confidence":0.93115234,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5692874193191528},{"word":"sit","start":1566.95,"end":1567.11,"confidence":0.99902344,"punctuated_word":"sit","sentiment":"positive","sentiment_score":0.6127220392227173},{"word":"down","start":1567.11,"end":1567.35,"confidence":1.0,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.5336524844169617},{"word":"and","start":1567.35,"end":1567.43,"confidence":0.9941406,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5202378034591675},{"word":"put","start":1567.43,"end":1567.59,"confidence":1.0,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.5060862898826599},{"word":"your","start":1567.59,"end":1567.83,"confidence":0.99121094,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4776817262172699},{"word":"feet","start":1567.83,"end":1567.99,"confidence":0.97509766,"punctuated_word":"feet","sentiment":"positive","sentiment_score":0.4322929084300995},{"word":"up","start":1567.99,"end":1568.15,"confidence":0.8066406,"punctuated_word":"up,","sentiment":"positive","sentiment_score":0.4860128164291382},{"word":"so","start":1568.15,"end":1568.31,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.4260378777980805},{"word":"i'll","start":1568.31,"end":1568.47,"confidence":1.0,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.4017983675003052},{"word":"let","start":1568.47,"end":1568.71,"confidence":1.0,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.4723711311817169},{"word":"you","start":1568.71,"end":1568.95,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4713152945041657},{"word":"go","start":1568.95,"end":1569.11,"confidence":0.99902344,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.5271627902984619},{"word":"to","start":1569.11,"end":1569.35,"confidence":0.98828125,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5878111720085144},{"word":"do","start":1569.35,"end":1569.59,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.5813744068145752},{"word":"that","start":1569.59,"end":1570.09,"confidence":1.0,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5342164039611816},{"word":"i","start":1570.15,"end":1570.31,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5822703838348389},{"word":"appreciate","start":1570.31,"end":1570.81,"confidence":1.0,"punctuated_word":"appreciate","sentiment":"positive","sentiment_score":0.593676745891571},{"word":"your","start":1570.95,"end":1571.1901,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6092998385429382},{"word":"time","start":1571.1901,"end":1571.43,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.7140164375305176},{"word":"this","start":1571.43,"end":1571.67,"confidence":0.99609375,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.60090571641922},{"word":"afternoon","start":1571.67,"end":1572.15,"confidence":0.9604492,"punctuated_word":"afternoon,","sentiment":"positive","sentiment_score":0.6115211248397827},{"word":"and","start":1572.15,"end":1572.39,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5890488624572754},{"word":"let","start":1572.39,"end":1572.55,"confidence":1.0,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.5587084293365479},{"word":"me","start":1572.55,"end":1572.71,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.49646735191345215},{"word":"know","start":1572.71,"end":1572.79,"confidence":1.0,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.4996744990348816},{"word":"if","start":1572.79,"end":1572.95,"confidence":1.0,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.5170719623565674},{"word":"there's","start":1572.95,"end":1573.11,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.5046656727790833},{"word":"anything","start":1573.11,"end":1573.51,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"positive","sentiment_score":0.566112220287323},{"word":"you","start":1573.51,"end":1573.67,"confidence":0.99316406,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.454736202955246},{"word":"need","start":1573.67,"end":1574.07,"confidence":0.9995117,"punctuated_word":"need.","sentiment":"positive","sentiment_score":0.4593468010425568},{"word":"okay","start":1574.07,"end":1574.57,"confidence":0.99316406,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.2960781455039978},{"word":"no","start":1576.6569,"end":1576.8969,"confidence":0.9086914,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.2727300822734833},{"word":"worries","start":1576.8969,"end":1577.2969,"confidence":1.0,"punctuated_word":"worries.","sentiment":"positive","sentiment_score":0.34871697425842285},{"word":"thanks","start":1577.2969,"end":1577.6969,"confidence":0.99609375,"punctuated_word":"Thanks,","sentiment":"positive","sentiment_score":0.45525074005126953},{"word":"aaron","start":1577.6969,"end":1578.0168,"confidence":0.8100586,"punctuated_word":"Aaron.","sentiment":"positive","sentiment_score":0.379868358373642},{"word":"talk","start":1578.0168,"end":1578.2568,"confidence":0.9941406,"punctuated_word":"Talk","sentiment":"positive","sentiment_score":0.3368164896965027},{"word":"soon","start":1578.2568,"end":1578.4968,"confidence":0.9897461,"punctuated_word":"soon.","sentiment":"positive","sentiment_score":0.3729735314846039},{"word":"see","start":1578.4968,"end":1578.6569,"confidence":0.99609375,"punctuated_word":"See","sentiment":"neutral","sentiment_score":0.33047226071357727},{"word":"you","start":1578.6569,"end":1578.8169,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29960086941719055},{"word":"later","start":1578.8169,"end":1579.3169,"confidence":1.0,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":0.3180410861968994},{"word":"bye","start":1580.4169,"end":1580.9169,"confidence":0.9951172,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.12446609139442444}],"paragraphs":{"transcript":"\nHi, Aaron. It's Dana from Mercy Financial. How are you this afternoon? I'm very well. Thank you.\n\nI had you booked in to run through your updated statement of advice. Is now still a good time there for you? Yeah. Fantastic. Erin, do you happen to have access to your email, sir, at the moment at all?\n\nOr is Not really. Yeah. Beautiful. What I'll do is I'll send you an email with the statement of advice. So if you've got a chance, you're able to open that up.\n\nThis is easier if we go through it together. Before I jump into the call, I just need to also let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And also just to do security there with you, just to confirm your full name, your date of birth, and address I should have on file.\n\nBeautiful. Thank you so much for that. And how's your day been so far? Oh, that's good. Good.\n\nI can hear the kids in the background. Everyone's home, Ready for the afternoon? Yeah. Oh, all good. Well, look, because you do have the kids there, if you do need me to stop at any point, just let me know.\n\nI'm happy to take a break and give you a chance to do what you need to, but I'll try to run through this as quickly as I can to make sure I give you the information required. Okay? Excellent. Just let me know when the email does happen to pop through. It'll come through from OdooSign, and it'll probably come from my email address.\n\nYou do? Fantastic. So opening that one up, if you press the sign button, it takes you through so you can review the advice document. We do have all the other additional documents attached for you as well. On the front there, it will state statement of a rash, prepare for yourself as of the 06/24/2026.\n\nSo all of that advice is valid for sixty days from the date on the document there and has been prepared for myself and my team here at Oakview Financial, and my licensed representative number is 1304394. Okay? Faith, now as you are running through the first couple of pages there, it outlines essentially that the advice has been prepared under the best interest duty, which is part of the corporations act. It's also got the areas that we have scoped in or are providing advice on. So, essentially, one of your, goals was that you're hoping to retire at about eight sixty.\n\nYou're hoping to have the house fully paid off. I believe one of your areas of looking at was that you were planning to sell your investment property and use the funds to pay off your main primary residence in about five years' time. Sorry. Two years. Yeah.\n\nYeah. That's okay. Beautiful. So two years. Bring that forward.\n\nThat's fantastic. We've also scoped in the insurance side of things. So, essentially, having a look, we do have to retain C Bus to retain the insurances for you, essentially keeping your life and TPD in place as appropriate until you do pay off your mortgage and become fully debt free. And then we may be able to look at consolidating and boosting through for a little bit more from there. But for the time being, just looking at what we can do with your super funds, retain your insurances, and just make sure things are working harder for you investment wise there as well.\n\nOkay? Excellent. To make it a bit easier for you, if you can just scroll through for me, just down to page number 17. I'll take you through a sense of the bulk of the recommendations, and then I'll go through and explain the last few things for you. This should have the heading there for you.\n\nIt is recommended investments as of superannuation. Yeah. Yeah. Beautiful. So this one here essentially is showing you the updated recommendations there.\n\nSo I am recommending, as I said, that we do retain CBAS to hold your insurances in place there. Your balance in CBAS was about 37,915 and 56¢ there. So we do just wanna retain CBUS with a minimum amount there to hold your insurances in place and have most of your funds invested within Hub twenty four there in the portfolio working harder for you. So we are recommending that you do retain so do roll over the 27,915 and 56¢ there. Retain the 10,000 within C Bus in the current portfolio in C Bus.\n\nThere's no need to change that investment at the moment, which is fine. Essentially, you'll keep your insurances in place and also keep your contributions going to C Bus there as well, And we'll just make sure we do those rollovers for you pretty regularly. Within hub twenty four, I did go back and review the portfolio looking at how it has been performing and had made us that there had been some underperforming investments and some changes that we did need to make to your portfolio there. So, essentially, what I will be looking to do is to sell off the battery and lithium tax. Nothing wrong with it.\n\nHowever, we have found some great out some other investments that have been performing better. It has been a bit of a rough year for battery and lithium tax, but we are looking to sell all of that investment out. And your Australian Benelon equities there as well. So that investment has been holding your portfolio back a little bit this year. Essentially, they have been underperforming.\n\nSo we've decided to remove that out of the portfolio and utilize the Australian BetaShares a 200 for your Australian equities. Essentially, been along they were placed there originally. They were meant to be essentially an active manager that was buying and selling and trying to outperform against the market. Unfortunately, haven't been able to do so on reviewing your portfolio. When something's underperforming, it shouldn't be there anymore, so it's time to remove that and replace it with an investment that has shown greater past performance to make sure your portfolio is working a bit harder for you.\n\nOkay? We've also got the beta shares bank hybrids in there. Now that is more of a defensive investment, but bank hybrids as an investment vehicle are actually gonna be phased out in the future by the government. So I've taken the step to remove those in the portfolio now. It's better to do it now rather than do it down the track when we have to.\n\nSince we're making these changes now, we can incorporate that to make it easier for you. We're also gonna keep the physical gold there and increase your exposure. So it has done very, very well. Physical gold had a little bit of a dip in the last few weeks, but it has done very well and has been at a thirty year high. So, essentially, you wanna keep physical gold in your portfolio and just increase your exposure back to about 10% there for you.\n\nCybersecurity has had a bit of an up and down year. A lot of things have with what's been going on globally there. But cybersecurity is not bad in any way, shape, or form, and we wanna keep that. But you're a little bit overexposed at the moment, so just rebalancing your portfolio and bring your exposure back to 5% with that one. You've got because we're getting rid of the as the bank hybrids, we do need to make sure as you're in a growth portfolio that you do have access to the defensive investments as well.\n\nSo a growth portfolio is generally 80% in those growth areas, like Australian international shares, listed property, and also commodities like gold and silver, and holding 20% in defensive investments, things like cash, bonds, and fixed interest. So because we're getting rid of the bank hybrids there, we're gonna be increasing your exposure into the core composite bonds. They're giving you access to both government and corporate bonds. It also utilizes the ventures and other things a little bit a little bit of global exposure there as well for you. So making sure you've got those defensive investments, bonds are also very good for cash producing.\n\nThey provide income, which gets distributed into your cash account and then reinvested back into your portfolio as a compounding as well. So we'll essentially see 14% of your in in your portfolio investors there. The S and P five hundred, you've got about 26% there at the moment, has had a bit of up and downs with everything going on in the world, but is still a great place to be invested. So just increasing your exposure to 30% there and buying a little bit more. We'll be selling off a VanEck property and removing the beta shares, roughly a 200 as well.\n\nEssentially, they haven't done too bad. However, because we are removing Banda Long Australian equities and buying into the a 200, we don't wanna have you overexposed in Australian equities. So we're gonna be altering and removing the Raffy 200 there as well for you. Purchasing into Europe, the European exposure is a great place to be, and the iShares Europe investment gives you exposure to all the European companies sorry, countries and all the companies within that on the exchanges. And also the Japan.\n\nSo Japan has seen some great growth. It is a great place to be invested at the moment, and it's giving you some diversification. And on the point of diversification, making sure that we're diversifying across across as many countries as possible as diversification is one of the best ways to mitigate market risk. We'll be adding in the Vanguard all world excluding The US, and we're excluding The US from this investment because you have the S and P 500 in there. So I don't wanna be overexposed to anywhere particular, But this investment is giving you worldwide expo exposure to all the countries, all the different exchanges, and the top investments in those sorts of exchanges.\n\nSo looking at existing markets as well as up and coming there as well, This investment has done very, very well, and it's about making sure that we're minimizing as much risk as we possibly can within the market there. And as I mentioned, diversification is one of the best ways to do that for you. Okay? So you'll see 8% invested there in that investment. And then also the beta shares a 200, and that's replacing the Bannalong Australian Equities and, again, giving you greater diversification.\n\nSo with Bannalong, they essentially invested anywhere between 15 to 35 different investment options depending on what they had in their investment at at that particular time. With the BetaShares a 200, you're actually exposed to the top 200 companies on the ASX there, so greater diversification. This is also a passively managed fund, whereas Van Alon was more actively managed. So it's actually also a cheaper investment to have in your portfolio, which is a benefit to you because saving on investment fees leaves more money in your portfolio, working harder for you as well there. That's essentially the changes to the portfolio.\n\nI try to go a little bit easier on those. But do you have any questions about any of them specifically or any questions about that so far? No. Beautiful. Essentially, the next page outline there that we'll still keep cash in your account.\n\nWe do need to keep 1.25% cash in the hub twenty four cash account there for you. And if you can get on the page number 20 for me, this is essentially showing the reason for the recommendations there. Now it is really important that we do sort of note that whenever we do switch investments within your portfolio, there are capital gains consequences. So, essentially, your super fund, just like you do, does a tax return every year, and they have to pay tax as well. Essentially, they pay income tax and CGT tax.\n\nSo for making the switch of the investments, we do estimate having a look at the research there, your super fund will essentially pay $1,645 in CGT tax. So not too bad to be able to switch those investments for you. We are retaining C Bus and Hub twenty four. I did look at the other super funds out there. There is no need to switch out of Hub twenty four.\n\nYou need to retain Sebas because your insurance is in place there. But hub twenty four is still a great platform. And the idea of if we move to any other platform out there, the capital gains consequences would be much higher. So it is best to retain hub twenty four for now and just do the investment switch. That way, we only have to switch some investments and mitigate some of the tax consequences to a full to a full move, if that makes sense.\n\nYeah. Essentially, looking at because we are moving money from C bus and into hub twenty four, we do expect your admin fees to go up to slightly by about $34 for the year. However, by making the changes to the investment portfolio as above your investment fees, if you look at the last column there, it should save you about $588 for the year. So lower fees, which is good. It means that you'll have more money invested working harder for you over the longer term.\n\nStill paying. We'll keep your contributions going into hub into C bus. Sorry. No changes there. And your insurance premiums stay payable out of SeaBus as well to make sure your insurances are in place.\n\nWhen you do happen to sell your investment property and you do pay off your mortgage, then we can talk about what your insurance needs are and possibly look at consolidating things there for you as well. Okay? When we look at how the portfolios have performed over the past and the future, so the older portfolio between the two funds, when we look at the rate of debt, it's averaged about 8.52% on the five year rolling out, which was not bad in any way, shape, or form. However, the newer portfolio, you can see, has had a greater past performance, which depending on market conditions, so long as we, you know, see good market conditions or what has happened over the past five years, we can expect greater performance there. And if you're able to obtain that sort of a a return of 10.95% over the course of the next five to ten years, you can see on the next page the projection there.\n\nSo it can and does place you in a better position moving forward. So we'll just keep reviewing things with you every year, just making sure things are working harder, review the portfolios, and make sure you stay on track there. But, essentially, we wanna make sure your sleep is working harder to give you the best possible outcome in retirement. Okay. Do you have any questions so far at all?\n\nAt the moment, and when we did the you've got a yeah. Yeah. And 30 seven there. So once we complete this switch, you'll have 10,000 in Cbus and about $242.02 56 in hub 24. Yeah.\n\nAll good. All good. Now one of the things I did talk about looking forward to for you is looking at, obviously, what the projected outcome looks like. You are in your early fifties there. You do have a bit of time before your retirement, but I wanted to sort of see where you are tracking at the moment.\n\nSo if you go down to page number 22, it does essentially show yeah. You're okay. Aaron, did you wanna take a second? You're fine. You're okay?\n\nAll good. It does wanna show that projecting this out for you, you are looking at an income of about $1,000 a week in retirement. That could absolutely change there, but we've considered your asset position at the time. Obviously, you will have sold the investment property there and paid off your mortgage. You're fully debt free as a homeowner and considering any other assets that you do have.\n\nWe do expect you to be able to access some age pension there as well given your current circumstances. That will be reviewed moving forward with you as well. But, essentially, if you are able to access some age pension given your current circumstances and supplement with your super there, we can essentially expect you to be able to draw about forty five thousand six sixty five on a yearly basis. So it is about 6,000 down from where your target income is. You could draw more to get that 52,000.\n\nThis means the super is expected to not last as long as what we've projected at here. But there's other things that we can do. So at the moment, we're just looking at what you've got currently with your two funds, keeping your insurances in place. But moving forward, as we get closer to accessing super, once you are sort of you've sold the investment property, paid your mortgage, often you have a bit of extra free cash flow. We can also look at other areas like increasing contributions in the super.\n\nIf you decide at 60, you're not quite ready to retire, you wanna work a bit longer, there's other strategies that we can put in place there for you well. And also making sure that every year, we review your investments and your returns to see how you're sort of working forward. Obviously, if you get a better return, that 10%, that's just an average of what this portfolio has seen over the past five years. We know that some years, you could get a 20% return, some years, a 5% return, some years, a 10% return. So it's just about working with the market and making sure we're staying on track and trying to get the best possible outcome over the longer term there.\n\nBut moving down down the track, if you are comfortable to do so, it would be worth looking at additional contributions to help boost your super as well. Essentially, thinking that your super is a bit like your car, your contributions and your portfolio essentially are the fuel. And adding those together, it fills your car up a lot faster and helps your portfolio work a little bit harder there as well. The other aspect is the compounding side of things. So we sort of slug our life away to get our sleep up to about that two, two fifty mark.\n\nOnce we get over that $2.02 $5,300,000 mark, essentially, the compounding does increase a little bit more, and you do see those returns increase. So it is something to keep keep monitoring and looking at with you, but I just wanted to sort of show you that with the research, with the changes that we're making here at the moment, this is essentially the forecast and projection that we've got here just so you can sort of see where you're tracking. It'll light at the end of the tunnel, if you might say. Yeah. I've also got it in here noting that we are retaining your life and TPD within C Bus for the time being.\n\nWe'll keep reviewing that with you. Admittedly, you don't have a lot of life and TPD, but given your health, it is important to sort of make sure, you know, where you have the best kind of cover possible. Given your history, we're not able to obtain any new cover elsewhere. So it's important just to keep the cover you do have for the time being. But at the moment, you hold about 52,000 in life cover within Cbus and about 26,000 in PPD there.\n\nUnfortunately, these covers do decrease as you get older, as the you know, as you get closer to retirement there, but we wanna kinda boost your super. And if you wanted to look at trying to invest in other ways to close that gap, we can also have those conversations with you as well. Okay? Beautiful. One of the things we did sorta look at a while ago was that you did have a bit of cryptocurrency on those shares there.\n\nDo you still have those? Did you have they grown, or what have they been doing this year? Yeah. Yep. Yep.\n\nYep. Yeah. Oh, fantastic. Oh, fantastic. Excellent.\n\nAnd that and that's all going towards your offset account to help pay your loan down a little bit. Is that right? That savings? Yeah. Yeah.\n\nBeautiful. And, hopefully, a pay rise coming up for you as well. Are you due for a pay rise soon? Yeah. Nice.\n\nSo hopefully end of this year, another one for you. Cross your fingers. Oh, are you? Oh, fantastic. Well, good luck with that.\n\nI hope it all goes really well. Keep us updated there. You know, obviously, with a pay rise, it does come with a bit more money. You pay a little bit more taxes. Well, unfortunately, the tax penalties are coming no matter what we do.\n\nBut if you ever you know, if you find you do have a bit of extra cash there that you wanna maybe look at extra contributions, feel free to let me know. Those sorts of things can definitely provide a boost to your super. And starting earlier helps the compounding effect rather than later as well. And something as simple as 20 or $50 a week or a fortnight can make a difference over the next ten years as well. So let me know if it's something you wanna look at or if you find your cash flow allowed for it.\n\nOkay? On page number 24 at the very bottom there, we do have a bit of a different table for you. So the projection shows the current and recommended, and this is exactly the same. However, the difference in the last column is no insurances. So we all have insurances.\n\nIt's important to have those kinds of cover to protect us in the event that something was to happen. However, this sort of shows you if you didn't have cover, everything was in kind of one place and you still got the same return projected above. Essentially, you could see just a a greater gain in your ten year projection. It's admittedly, it's only minimal. Your insurances aren't that expensive, and so keeping them doesn't have a massive effect there.\n\nBut we just like to show you the difference. Okay. Excellent. And then at the very end, they're just making sure that we do retain your beneficiaries within CBAS and hub twenty four, making sure that they are applied. We have binding non lapsing for your spouse and binding lapsing within CBAS to your spouse as well.\n\nThe main difference between those beneficiaries is binding non lapsing means within hub 24. That beneficiary stays in place continuously. However, Cbus only allow a binding lapsing nomination, so it does need to be updated every generally, every three years. What we can do is we have a TPA on file with Cbus, and we'll monitor when that's due and when this the beneficiary is due to lapse. We'll make sure we contact you and have that updated.\n\nThat way it doesn't lapse. And that way, you know, there's no risk of anything. Your spouse not being able to get those funds or claim those funds in the event if you're passing away. Keeping in mind, I hope that never happens. I would love to get you to retirement and then see you through retirement there.\n\nWe don't want anything to happen. This is one of those conversations we do have to have, unfortunately. Okay? And then just also making sure that you do establish your will and beneficiary power of attorney. So, essentially, one of the things we did sort of talk about in the annual review was that you mentioned you don't have a will or power of attorney set up.\n\nYour beneficiaries protect your your life insurances and your super. However, everything else that you've worked so hard for, your house, your savings, your cars, everything like that still needs to be protected. And, look, honestly, a lot of people just assume everything goes automatically to their spouse. And while, yes, in most states, that is absolutely true, it does also have to go through a probate process even if it's just you and your spouse or you passed away or she passed away without having a will in place to protect your assets. Everything still has to go through probate, and it can essentially mean that other parties can come forward, people you may not want to, family members you may not have spoken to in years, who can come forward and stake a claim on your assets.\n\nI have seen instances where the assets have not been provided to the people that that the the person who passed away wanted them to go to. And while in most instances, everything goes to your wife, there are some cases where a judge of the court system may see or legislation may allow for other parties to be paid out some of your, estate. So it is really important to make sure a will and a power of attorney is done up. You can also if you, speak to, like, your local government agencies, they tend to do them fairly cheaply. And we can also send you, if you would like, some information on local solicitor or anywhere else that might do well very cheaply.\n\nYou can also get a will kit just from the post office as well. I had a look last time. I think they're about $30. And as long as you fill those will kits out correctly for the the prompt, then they can be just as valid as well. But it's just about making sure that everything you've worked hard for is protected and distributed in the event that you're passing to where you want them to go.\n\nOkay? Yeah. Beautiful. That's essentially all of the recommendations there. It's a nice easy one for you this afternoon.\n\nYou are an ongoing client. You do pay the ongoing service fees. So all the advice provided, there's no implementation fees for doing any of this. It's all part of our services and just making sure we've updated the advice and recommendations there for you because we had to retain C bus last year. The last advice they didn't allow us to do the rollover, so I wanted to make sure this was updated for you.\n\nAnd, also, just make sure we're reviewing the investments for you regularly as well because the investments provided when you came on board or a couple of years ago may not be appropriate now. We wanted to update the the portfolio now because there are some underperforming or changes to the investments, and then we'll keep reviewing those more for you because in another couple of years or another year or two, there may need to be some changes again. So advice is very much fluid. It needs to change as your life changes as well. So it's about making sure we update these for you, and we enjoy putting it together there.\n\nAs moving forward, did you want me to do I know you do for a review at the end of the year there, but did you wanna do a bit of a catch up in a few months, or are you happy to touch base at the end of the year for your review? What would you like, Aaron? And does a year just once a year make it nice and simple for you? Yeah. Beautiful.\n\nNot an issue at all. Well, look. I've got the document there for you with all the product disclosure statements, our financial services guide, and any other additional documents required. Feel free to run your eyes over that one. Have a bit of a look.\n\nIf you do decide to take on the recommendations, we'll get you to sign and return it back so we can have the investment switch completed nice and easily for you. If you do find you have any questions, please let me know. I've outlined some of the advantages, disadvantages, risks, and things involved, and there's others noted there for you to run your eyes over as well. Okay. All good.\n\nDo you have any questions or anything you wanted me to look at or anything you wanted to ask while you've got me here at all? Yeah. All good. Well, I will let you go. You're probably ready to have a good afternoon and sit down and put your feet up, so I'll let you go to do that.\n\nI appreciate your time this afternoon, and let me know if there's anything you need. Okay? No worries. Thanks, Aaron. Talk soon.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Aaron.","start":4.96,"end":5.68,"sentiment":"neutral","sentiment_score":0.19292857497930527},{"text":"It's Dana from Mercy Financial.","start":5.68,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.21753784716129304},{"text":"How are you this afternoon?","start":7.3599997,"end":8.58,"sentiment":"neutral","sentiment_score":0.28856922388076783},{"text":"I'm very well.","start":10.0,"end":10.88,"sentiment":"positive","sentiment_score":0.6799117128054301},{"text":"Thank you.","start":10.88,"end":11.28,"sentiment":"positive","sentiment_score":0.7089520990848541}],"sentiment":"positive","sentiment_score":0.3749430495149949,"num_words":17,"start":4.96,"end":11.28},{"sentences":[{"text":"I had you booked in to run through your updated statement of advice.","start":11.28,"end":14.0,"sentiment":"neutral","sentiment_score":0.31892311573028564},{"text":"Is now still a good time there for you?","start":14.0,"end":15.975,"sentiment":"neutral","sentiment_score":0.29210210343201953},{"text":"Yeah.","start":17.415,"end":17.895,"sentiment":"neutral","sentiment_score":0.2447200119495392},{"text":"Fantastic.","start":17.895,"end":18.395,"sentiment":"positive","sentiment_score":0.48182135820388794},{"text":"Erin, do you happen to have access to your email, sir, at the moment at all?","start":18.695,"end":21.655,"sentiment":"neutral","sentiment_score":0.058373924694024026}],"sentiment":"neutral","sentiment_score":0.2108860900159925,"num_words":40,"start":11.28,"end":21.655},{"sentences":[{"text":"Or is Not really.","start":21.655,"end":24.075,"sentiment":"neutral","sentiment_score":-0.04870979278348386},{"text":"Yeah.","start":24.295,"end":24.695,"sentiment":"neutral","sentiment_score":0.1364438235759735},{"text":"Beautiful.","start":24.695,"end":25.195,"sentiment":"positive","sentiment_score":0.3800959587097168},{"text":"What I'll do is I'll send you an email with the statement of advice.","start":25.415,"end":27.895,"sentiment":"neutral","sentiment_score":0.1723159466470991},{"text":"So if you've got a chance, you're able to open that up.","start":27.895,"end":29.815,"sentiment":"neutral","sentiment_score":0.19306810448567072}],"sentiment":"neutral","sentiment_score":0.1578419099387247,"num_words":32,"start":21.655,"end":29.815},{"sentences":[{"text":"This is easier if we go through it together.","start":29.815,"end":31.675,"sentiment":"neutral","sentiment_score":0.25138933459917706},{"text":"Before I jump into the call, I just need to also let you know we do record our calls for quality and training purposes.","start":32.27,"end":37.469997,"sentiment":"neutral","sentiment_score":0.0781435511695842},{"text":"Are you happy for me to proceed with that?","start":37.469997,"end":39.649998,"sentiment":"neutral","sentiment_score":0.12769166297382778},{"text":"Fantastic.","start":41.23,"end":41.73,"sentiment":"positive","sentiment_score":0.704848051071167},{"text":"And also just to do security there with you, just to confirm your full name, your date of birth, and address I should have on file.","start":42.19,"end":53.845,"sentiment":"neutral","sentiment_score":0.1428159372164653}],"sentiment":"neutral","sentiment_score":0.14065560325980186,"num_words":69,"start":29.815,"end":53.845},{"sentences":[{"text":"Beautiful.","start":53.845,"end":54.345,"sentiment":"positive","sentiment_score":0.47643959522247314},{"text":"Thank you so much for that.","start":54.405003,"end":55.685,"sentiment":"positive","sentiment_score":0.5944988628228506},{"text":"And how's your day been so far?","start":55.685,"end":57.545002,"sentiment":"positive","sentiment_score":0.36412552850587027},{"text":"Oh, that's good.","start":59.365,"end":60.585,"sentiment":"neutral","sentiment_score":0.28068970640500385},{"text":"Good.","start":60.805,"end":61.045002,"sentiment":"neutral","sentiment_score":0.31833264231681824}],"sentiment":"positive","sentiment_score":0.4307062907351388,"num_words":18,"start":53.845,"end":61.045002},{"sentences":[{"text":"I can hear the kids in the background.","start":61.045002,"end":62.485,"sentiment":"neutral","sentiment_score":0.17819596640765667},{"text":"Everyone's home, Ready for the afternoon?","start":62.485,"end":64.88,"sentiment":"neutral","sentiment_score":0.10225143035252889},{"text":"Yeah.","start":67.9,"end":68.4,"sentiment":"neutral","sentiment_score":0.10751719772815704},{"text":"Oh, all good.","start":68.86,"end":69.34,"sentiment":"neutral","sentiment_score":0.20147206882635751},{"text":"Well, look, because you do have the kids there, if you do need me to stop at any point, just let me know.","start":69.34,"end":73.34,"sentiment":"neutral","sentiment_score":0.11952168753613597}],"sentiment":"neutral","sentiment_score":0.13414654953450691,"num_words":41,"start":61.045002,"end":73.34},{"sentences":[{"text":"I'm happy to take a break and give you a chance to do what you need to, but I'll try to run through this as quickly as I can to make sure I give you the information required.","start":73.34,"end":80.435,"sentiment":"neutral","sentiment_score":0.23218698015338496},{"text":"Okay?","start":80.575,"end":81.075,"sentiment":"neutral","sentiment_score":0.1431260108947754},{"text":"Excellent.","start":82.575,"end":83.075,"sentiment":"positive","sentiment_score":0.47035375237464905},{"text":"Just let me know when the email does happen to pop through.","start":83.615,"end":86.015,"sentiment":"neutral","sentiment_score":0.20038802176713943},{"text":"It'll come through from OdooSign, and it'll probably come from my email address.","start":86.015,"end":89.715,"sentiment":"neutral","sentiment_score":0.1611504629254341}],"sentiment":"neutral","sentiment_score":0.21440303520514414,"num_words":65,"start":73.34,"end":89.715},{"sentences":[{"text":"You do?","start":91.23,"end":91.79,"sentiment":"neutral","sentiment_score":0.09706544876098633},{"text":"Fantastic.","start":91.79,"end":92.29,"sentiment":"neutral","sentiment_score":0.029251087456941605},{"text":"So opening that one up, if you press the sign button, it takes you through so you can review the advice document.","start":93.07,"end":97.95,"sentiment":"neutral","sentiment_score":0.07588714344257658},{"text":"We do have all the other additional documents attached for you as well.","start":97.95,"end":101.49,"sentiment":"neutral","sentiment_score":0.0942723060456606},{"text":"On the front there, it will state statement of a rash, prepare for yourself as of the 06/24/2026.","start":102.11,"end":107.66499,"sentiment":"neutral","sentiment_score":0.03240833498744501}],"sentiment":"neutral","sentiment_score":0.06610337766219995,"num_words":56,"start":91.23,"end":107.66499},{"sentences":[{"text":"So all of that advice is valid for sixty days from the date on the document there and has been prepared for myself and my team here at Oakview Financial, and my licensed representative number is 1304394.","start":107.66499,"end":119.104996,"sentiment":"neutral","sentiment_score":0.07960999465069256},{"text":"Okay?","start":119.104996,"end":119.604996,"sentiment":"neutral","sentiment_score":0.02974553219974041},{"text":"Faith, now as you are running through the first couple of pages there, it outlines essentially that the advice has been prepared under the best interest duty, which is part of the corporations act.","start":121.88,"end":130.3,"sentiment":"neutral","sentiment_score":0.03264963544686051},{"text":"It's also got the areas that we have scoped in or are providing advice on.","start":130.51999,"end":134.505,"sentiment":"neutral","sentiment_score":0.04100251557926337},{"text":"So, essentially, one of your, goals was that you're hoping to retire at about eight sixty.","start":134.505,"end":139.24501,"sentiment":"neutral","sentiment_score":0.013683828932698816}],"sentiment":"neutral","sentiment_score":0.04776098967068693,"num_words":103,"start":107.66499,"end":139.24501},{"sentences":[{"text":"You're hoping to have the house fully paid off.","start":139.625,"end":141.96501,"sentiment":"neutral","sentiment_score":-0.023913677083328366},{"text":"I believe one of your areas of looking at was that you were planning to sell your investment property and use the funds to pay off your main primary residence in about five years' time.","start":142.345,"end":151.8,"sentiment":"neutral","sentiment_score":0.002700141351670027},{"text":"Sorry.","start":152.1,"end":152.6,"sentiment":"neutral","sentiment_score":-0.06704528629779816},{"text":"Two years.","start":153.86,"end":154.68001,"sentiment":"neutral","sentiment_score":-0.028472903184592724},{"text":"Yeah.","start":155.78001,"end":156.18001,"sentiment":"neutral","sentiment_score":0.08142971992492676}],"sentiment":"neutral","sentiment_score":-0.003401656649657525,"num_words":48,"start":139.625,"end":156.18001},{"sentences":[{"text":"Yeah.","start":156.18001,"end":156.5,"sentiment":"neutral","sentiment_score":0.1211547553539276},{"text":"That's okay.","start":156.5,"end":157.3,"sentiment":"neutral","sentiment_score":0.27468225359916687},{"text":"Beautiful.","start":157.3,"end":157.8,"sentiment":"positive","sentiment_score":0.5862810611724854},{"text":"So two years.","start":157.86,"end":158.66,"sentiment":"neutral","sentiment_score":0.33239709337552387},{"text":"Bring that forward.","start":158.66,"end":159.46,"sentiment":"positive","sentiment_score":0.4643888870875041}],"sentiment":"positive","sentiment_score":0.36471582651138307,"num_words":10,"start":156.18001,"end":159.46},{"sentences":[{"text":"That's fantastic.","start":159.46,"end":160.20001,"sentiment":"positive","sentiment_score":0.7565315663814545},{"text":"We've also scoped in the insurance side of things.","start":162.30501,"end":164.46501,"sentiment":"neutral","sentiment_score":0.24833969440725115},{"text":"So, essentially, having a look, we do have to retain C Bus to retain the insurances for you, essentially keeping your life and TPD in place as appropriate until you do pay off your mortgage and become fully debt free.","start":164.46501,"end":175.71,"sentiment":"neutral","sentiment_score":0.1770982101559639},{"text":"And then we may be able to look at consolidating and boosting through for a little bit more from there.","start":175.87001,"end":179.95001,"sentiment":"neutral","sentiment_score":0.17773438505828382},{"text":"But for the time being, just looking at what we can do with your super funds, retain your insurances, and just make sure things are working harder for you investment wise there as well.","start":179.95001,"end":188.11,"sentiment":"neutral","sentiment_score":0.08438632560565192}],"sentiment":"neutral","sentiment_score":0.1643416339088054,"num_words":105,"start":159.46,"end":188.11},{"sentences":[{"text":"Okay?","start":188.11,"end":188.61,"sentiment":"neutral","sentiment_score":0.0772930383682251},{"text":"Excellent.","start":190.635,"end":191.135,"sentiment":"neutral","sentiment_score":0.004259692505002022},{"text":"To make it a bit easier for you, if you can just scroll through for me, just down to page number 17.","start":191.435,"end":196.815,"sentiment":"neutral","sentiment_score":0.16104603524912486},{"text":"I'll take you through a sense of the bulk of the recommendations, and then I'll go through and explain the last few things for you.","start":196.875,"end":203.37,"sentiment":"neutral","sentiment_score":0.21917193293571471},{"text":"This should have the heading there for you.","start":203.84999,"end":205.93,"sentiment":"neutral","sentiment_score":0.22178582474589348}],"sentiment":"neutral","sentiment_score":0.1908447443458595,"num_words":57,"start":188.11,"end":205.93},{"sentences":[{"text":"It is recommended investments as of superannuation.","start":205.93,"end":208.51,"sentiment":"neutral","sentiment_score":0.11948799980538231},{"text":"Yeah.","start":212.65,"end":213.15,"sentiment":"neutral","sentiment_score":0.059232499450445175},{"text":"Yeah.","start":213.20999,"end":213.70999,"sentiment":"neutral","sentiment_score":0.09084638953208923},{"text":"Beautiful.","start":217.305,"end":217.805,"sentiment":"positive","sentiment_score":0.5157897472381592},{"text":"So this one here essentially is showing you the updated recommendations there.","start":218.50499,"end":221.86499,"sentiment":"neutral","sentiment_score":0.2537808492779732}],"sentiment":"neutral","sentiment_score":0.20671158300882037,"num_words":22,"start":205.93,"end":221.86499},{"sentences":[{"text":"So I am recommending, as I said, that we do retain CBAS to hold your insurances in place there.","start":221.86499,"end":226.685,"sentiment":"neutral","sentiment_score":0.1921401188561791},{"text":"Your balance in CBAS was about 37,915 and 56¢ there.","start":226.905,"end":231.7,"sentiment":"neutral","sentiment_score":0.1735906187031004},{"text":"So we do just wanna retain CBUS with a minimum amount there to hold your insurances in place and have most of your funds invested within Hub twenty four there in the portfolio working harder for you.","start":231.7,"end":242.28,"sentiment":"neutral","sentiment_score":0.29470984959924545},{"text":"So we are recommending that you do retain so do roll over the 27,915 and 56¢ there.","start":242.42,"end":248.935,"sentiment":"neutral","sentiment_score":0.2517064241692424},{"text":"Retain the 10,000 within C Bus in the current portfolio in C Bus.","start":248.935,"end":252.855,"sentiment":"neutral","sentiment_score":0.2976938050526839}],"sentiment":"neutral","sentiment_score":0.2554740905761719,"num_words":96,"start":221.86499,"end":252.855},{"sentences":[{"text":"There's no need to change that investment at the moment, which is fine.","start":252.855,"end":255.995,"sentiment":"neutral","sentiment_score":0.24874374843560731},{"text":"Essentially, you'll keep your insurances in place and also keep your contributions going to C Bus there as well, And we'll just make sure we do those rollovers for you pretty regularly.","start":256.615,"end":266.12003,"sentiment":"positive","sentiment_score":0.33425930328667164},{"text":"Within hub twenty four, I did go back and review the portfolio looking at how it has been performing and had made us that there had been some underperforming investments and some changes that we did need to make to your portfolio there.","start":266.82,"end":277.515,"sentiment":"neutral","sentiment_score":-0.1243559974570607},{"text":"So, essentially, what I will be looking to do is to sell off the battery and lithium tax.","start":278.075,"end":282.475,"sentiment":"neutral","sentiment_score":-0.19949446535772747},{"text":"Nothing wrong with it.","start":282.475,"end":283.355,"sentiment":"neutral","sentiment_score":-0.01693468913435936}],"sentiment":"neutral","sentiment_score":0.04476381282914769,"num_words":110,"start":252.855,"end":283.355},{"sentences":[{"text":"However, we have found some great out some other investments that have been performing better.","start":283.355,"end":288.89502,"sentiment":"neutral","sentiment_score":0.13547879904508592},{"text":"It has been a bit of a rough year for battery and lithium tax, but we are looking to sell all of that investment out.","start":289.355,"end":294.32,"sentiment":"neutral","sentiment_score":-0.24743944376707078},{"text":"And your Australian Benelon equities there as well.","start":294.54,"end":296.86,"sentiment":"neutral","sentiment_score":-0.13717242795974016},{"text":"So that investment has been holding your portfolio back a little bit this year.","start":296.86,"end":300.47998,"sentiment":"negative","sentiment_score":-0.5552114801747459},{"text":"Essentially, they have been underperforming.","start":300.86,"end":302.24,"sentiment":"negative","sentiment_score":-0.4386781305074692}],"sentiment":"neutral","sentiment_score":-0.22712738667406254,"num_words":67,"start":283.355,"end":302.24},{"sentences":[{"text":"So we've decided to remove that out of the portfolio and utilize the Australian BetaShares a 200 for your Australian equities.","start":302.53998,"end":309.935,"sentiment":"neutral","sentiment_score":0.05033794772766885},{"text":"Essentially, been along they were placed there originally.","start":310.795,"end":314.095,"sentiment":"neutral","sentiment_score":0.0493414462544024},{"text":"They were meant to be essentially an active manager that was buying and selling and trying to outperform against the market.","start":314.95502,"end":321.26,"sentiment":"neutral","sentiment_score":0.15008607435794102},{"text":"Unfortunately, haven't been able to do so on reviewing your portfolio.","start":321.32,"end":325.16,"sentiment":"negative","sentiment_score":-0.47922407767989417},{"text":"When something's underperforming, it shouldn't be there anymore, so it's time to remove that and replace it with an investment that has shown greater past performance to make sure your portfolio is working a bit harder for you.","start":325.16,"end":335.875,"sentiment":"neutral","sentiment_score":-0.3290537587906185}],"sentiment":"neutral","sentiment_score":-0.13304920863322536,"num_words":99,"start":302.53998,"end":335.875},{"sentences":[{"text":"Okay?","start":335.935,"end":336.435,"sentiment":"neutral","sentiment_score":-0.058249425143003464},{"text":"We've also got the beta shares bank hybrids in there.","start":337.85498,"end":340.895,"sentiment":"neutral","sentiment_score":0.047994278743863104},{"text":"Now that is more of a defensive investment, but bank hybrids as an investment vehicle are actually gonna be phased out in the future by the government.","start":340.895,"end":347.69498,"sentiment":"neutral","sentiment_score":-0.007851116635181286},{"text":"So I've taken the step to remove those in the portfolio now.","start":347.69498,"end":351.0,"sentiment":"neutral","sentiment_score":0.010165938486655554},{"text":"It's better to do it now rather than do it down the track when we have to.","start":351.0,"end":355.02,"sentiment":"neutral","sentiment_score":0.05344107988126138}],"sentiment":"neutral","sentiment_score":0.018510490044284223,"num_words":67,"start":335.935,"end":355.02},{"sentences":[{"text":"Since we're making these changes now, we can incorporate that to make it easier for you.","start":355.32,"end":359.66,"sentiment":"positive","sentiment_score":0.39019112568348646},{"text":"We're also gonna keep the physical gold there and increase your exposure.","start":360.19998,"end":363.63998,"sentiment":"neutral","sentiment_score":0.30655669669310254},{"text":"So it has done very, very well.","start":363.63998,"end":365.245,"sentiment":"positive","sentiment_score":0.534864774772099},{"text":"Physical gold had a little bit of a dip in the last few weeks, but it has done very well and has been at a thirty year high.","start":365.245,"end":371.245,"sentiment":"neutral","sentiment_score":0.20986770186573267},{"text":"So, essentially, you wanna keep physical gold in your portfolio and just increase your exposure back to about 10% there for you.","start":371.245,"end":378.06,"sentiment":"neutral","sentiment_score":0.31953494250774384}],"sentiment":"neutral","sentiment_score":0.3126100727302187,"num_words":85,"start":355.32,"end":378.06},{"sentences":[{"text":"Cybersecurity has had a bit of an up and down year.","start":379.9,"end":381.9,"sentiment":"negative","sentiment_score":-0.3562606166709553},{"text":"A lot of things have with what's been going on globally there.","start":381.9,"end":384.96,"sentiment":"neutral","sentiment_score":-0.22917993490894636},{"text":"But cybersecurity is not bad in any way, shape, or form, and we wanna keep that.","start":385.74,"end":389.9,"sentiment":"neutral","sentiment_score":-0.057673320872709155},{"text":"But you're a little bit overexposed at the moment, so just rebalancing your portfolio and bring your exposure back to 5% with that one.","start":389.9,"end":397.095,"sentiment":"neutral","sentiment_score":-0.16131479758769274},{"text":"You've got because we're getting rid of the as the bank hybrids, we do need to make sure as you're in a growth portfolio that you do have access to the defensive investments as well.","start":397.635,"end":408.37,"sentiment":"neutral","sentiment_score":0.08356278325830187}],"sentiment":"neutral","sentiment_score":-0.08712915167668644,"num_words":98,"start":379.9,"end":408.37},{"sentences":[{"text":"So a growth portfolio is generally 80% in those growth areas, like Australian international shares, listed property, and also commodities like gold and silver, and holding 20% in defensive investments, things like cash, bonds, and fixed interest.","start":408.37,"end":422.025,"sentiment":"neutral","sentiment_score":0.20703033861276265},{"text":"So because we're getting rid of the bank hybrids there, we're gonna be increasing your exposure into the core composite bonds.","start":422.26498,"end":427.785,"sentiment":"neutral","sentiment_score":0.18236923102466834},{"text":"They're giving you access to both government and corporate bonds.","start":427.785,"end":431.065,"sentiment":"positive","sentiment_score":0.3489199340343475},{"text":"It also utilizes the ventures and other things a little bit a little bit of global exposure there as well for you.","start":431.065,"end":436.525,"sentiment":"neutral","sentiment_score":0.31742714006792416},{"text":"So making sure you've got those defensive investments, bonds are also very good for cash producing.","start":436.61,"end":441.75,"sentiment":"positive","sentiment_score":0.46184987761080265}],"sentiment":"neutral","sentiment_score":0.27690632871510285,"num_words":106,"start":408.37,"end":441.75},{"sentences":[{"text":"They provide income, which gets distributed into your cash account and then reinvested back into your portfolio as a compounding as well.","start":441.81,"end":449.97,"sentiment":"positive","sentiment_score":0.40844721821221436},{"text":"So we'll essentially see 14% of your in in your portfolio investors there.","start":449.97,"end":455.175,"sentiment":"neutral","sentiment_score":0.26262774948890394},{"text":"The S and P five hundred, you've got about 26% there at the moment, has had a bit of up and downs with everything going on in the world, but is still a great place to be invested.","start":455.635,"end":464.4,"sentiment":"neutral","sentiment_score":0.17045088622130847},{"text":"So just increasing your exposure to 30% there and buying a little bit more.","start":464.4,"end":469.3,"sentiment":"neutral","sentiment_score":0.2117206443633352},{"text":"We'll be selling off a VanEck property and removing the beta shares, roughly a 200 as well.","start":469.6,"end":475.94,"sentiment":"neutral","sentiment_score":0.013648289529716267}],"sentiment":"neutral","sentiment_score":0.21224272272621209,"num_words":104,"start":441.81,"end":475.94},{"sentences":[{"text":"Essentially, they haven't done too bad.","start":476.505,"end":478.365,"sentiment":"neutral","sentiment_score":-0.03877126177151998},{"text":"However, because we are removing Banda Long Australian equities and buying into the a 200, we don't wanna have you overexposed in Australian equities.","start":478.585,"end":486.425,"sentiment":"neutral","sentiment_score":0.010293628399570784},{"text":"So we're gonna be altering and removing the Raffy 200 there as well for you.","start":486.425,"end":491.805,"sentiment":"neutral","sentiment_score":0.09100505659977595},{"text":"Purchasing into Europe, the European exposure is a great place to be, and the iShares Europe investment gives you exposure to all the European companies sorry, countries and all the companies within that on the exchanges.","start":492.62,"end":504.4,"sentiment":"neutral","sentiment_score":0.24665652712186178},{"text":"And also the Japan.","start":505.155,"end":506.595,"sentiment":"neutral","sentiment_score":0.10693155974149704}],"sentiment":"neutral","sentiment_score":0.12572772441541447,"num_words":85,"start":476.505,"end":506.595},{"sentences":[{"text":"So Japan has seen some great growth.","start":506.595,"end":508.355,"sentiment":"positive","sentiment_score":0.4292311540671757},{"text":"It is a great place to be invested at the moment, and it's giving you some diversification.","start":508.355,"end":512.21497,"sentiment":"positive","sentiment_score":0.6123318251441506},{"text":"And on the point of diversification, making sure that we're diversifying across across as many countries as possible as diversification is one of the best ways to mitigate market risk.","start":513.235,"end":524.00995,"sentiment":"neutral","sentiment_score":0.31808816666404405},{"text":"We'll be adding in the Vanguard all world excluding The US, and we're excluding The US from this investment because you have the S and P 500 in there.","start":524.38995,"end":533.11,"sentiment":"neutral","sentiment_score":0.015065448599514263},{"text":"So I don't wanna be overexposed to anywhere particular, But this investment is giving you worldwide expo exposure to all the countries, all the different exchanges, and the top investments in those sorts of exchanges.","start":533.11,"end":543.975,"sentiment":"neutral","sentiment_score":0.16840617435851268}],"sentiment":"neutral","sentiment_score":0.24820354421844043,"num_words":118,"start":506.595,"end":543.975},{"sentences":[{"text":"So looking at existing markets as well as up and coming there as well, This investment has done very, very well, and it's about making sure that we're minimizing as much risk as we possibly can within the market there.","start":544.035,"end":556.61,"sentiment":"positive","sentiment_score":0.38238904867321255},{"text":"And as I mentioned, diversification is one of the best ways to do that for you.","start":556.61,"end":560.39,"sentiment":"neutral","sentiment_score":0.2842505965381861},{"text":"Okay?","start":560.45,"end":560.85004,"sentiment":"neutral","sentiment_score":0.16189631819725037},{"text":"So you'll see 8% invested there in that investment.","start":560.85004,"end":563.59,"sentiment":"neutral","sentiment_score":0.1630756672885683},{"text":"And then also the beta shares a 200, and that's replacing the Bannalong Australian Equities and, again, giving you greater diversification.","start":564.105,"end":571.725,"sentiment":"neutral","sentiment_score":0.12610143281164624}],"sentiment":"neutral","sentiment_score":0.2772560793606714,"num_words":87,"start":544.035,"end":571.725},{"sentences":[{"text":"So with Bannalong, they essentially invested anywhere between 15 to 35 different investment options depending on what they had in their investment at at that particular time.","start":572.185,"end":583.17,"sentiment":"neutral","sentiment_score":0.08608827464006565},{"text":"With the BetaShares a 200, you're actually exposed to the top 200 companies on the ASX there, so greater diversification.","start":583.31,"end":590.61,"sentiment":"neutral","sentiment_score":0.1523028716444969},{"text":"This is also a passively managed fund, whereas Van Alon was more actively managed.","start":591.685,"end":595.52496,"sentiment":"neutral","sentiment_score":0.16386989025132997},{"text":"So it's actually also a cheaper investment to have in your portfolio, which is a benefit to you because saving on investment fees leaves more money in your portfolio, working harder for you as well there.","start":595.52496,"end":606.665,"sentiment":"positive","sentiment_score":0.45117348515325123},{"text":"That's essentially the changes to the portfolio.","start":607.19,"end":609.45,"sentiment":"neutral","sentiment_score":0.22621643117495946}],"sentiment":"neutral","sentiment_score":0.24509980572530857,"num_words":104,"start":572.185,"end":609.45},{"sentences":[{"text":"I try to go a little bit easier on those.","start":609.51,"end":611.35,"sentiment":"neutral","sentiment_score":0.21845543384552002},{"text":"But do you have any questions about any of them specifically or any questions about that so far?","start":611.35,"end":616.17,"sentiment":"neutral","sentiment_score":0.039449574425816536},{"text":"No.","start":617.99,"end":618.31,"sentiment":"neutral","sentiment_score":-0.008002273738384247},{"text":"Beautiful.","start":618.31,"end":618.81,"sentiment":"neutral","sentiment_score":0.1912698745727539},{"text":"Essentially, the next page outline there that we'll still keep cash in your account.","start":620.075,"end":623.515,"sentiment":"neutral","sentiment_score":0.0754127526389701}],"sentiment":"neutral","sentiment_score":0.09394756399772385,"num_words":44,"start":609.51,"end":623.515},{"sentences":[{"text":"We do need to keep 1.25% cash in the hub twenty four cash account there for you.","start":623.515,"end":629.29504,"sentiment":"neutral","sentiment_score":0.11867542521041982},{"text":"And if you can get on the page number 20 for me, this is essentially showing the reason for the recommendations there.","start":629.91504,"end":635.84,"sentiment":"neutral","sentiment_score":0.12007802453908054},{"text":"Now it is really important that we do sort of note that whenever we do switch investments within your portfolio, there are capital gains consequences.","start":635.98004,"end":643.2,"sentiment":"neutral","sentiment_score":0.0023010168969631196},{"text":"So, essentially, your super fund, just like you do, does a tax return every year, and they have to pay tax as well.","start":643.34,"end":650.795,"sentiment":"neutral","sentiment_score":0.11179163290754608},{"text":"Essentially, they pay income tax and CGT tax.","start":651.335,"end":654.215,"sentiment":"neutral","sentiment_score":0.09066331572830677}],"sentiment":"neutral","sentiment_score":0.08434987656380001,"num_words":95,"start":623.515,"end":654.215},{"sentences":[{"text":"So for making the switch of the investments, we do estimate having a look at the research there, your super fund will essentially pay $1,645 in CGT tax.","start":654.215,"end":665.03,"sentiment":"neutral","sentiment_score":0.2037537768483162},{"text":"So not too bad to be able to switch those investments for you.","start":665.03,"end":668.57,"sentiment":"positive","sentiment_score":0.4326530500100209},{"text":"We are retaining C Bus and Hub twenty four.","start":669.51,"end":672.07,"sentiment":"neutral","sentiment_score":0.30268265472518074},{"text":"I did look at the other super funds out there.","start":672.07,"end":674.07,"sentiment":"neutral","sentiment_score":0.26780707091093064},{"text":"There is no need to switch out of Hub twenty four.","start":674.07,"end":676.095,"sentiment":"neutral","sentiment_score":0.16920396211472424}],"sentiment":"neutral","sentiment_score":0.26187399418001445,"num_words":71,"start":654.215,"end":676.095},{"sentences":[{"text":"You need to retain Sebas because your insurance is in place there.","start":676.095,"end":679.395,"sentiment":"neutral","sentiment_score":0.22532871117194495},{"text":"But hub twenty four is still a great platform.","start":679.695,"end":681.955,"sentiment":"positive","sentiment_score":0.5824828611479865},{"text":"And the idea of if we move to any other platform out there, the capital gains consequences would be much higher.","start":682.415,"end":688.495,"sentiment":"neutral","sentiment_score":0.20063988651548112},{"text":"So it is best to retain hub twenty four for now and just do the investment switch.","start":688.495,"end":692.8,"sentiment":"neutral","sentiment_score":0.29451292051988487},{"text":"That way, we only have to switch some investments and mitigate some of the tax consequences to a full to a full move, if that makes sense.","start":692.8,"end":701.7,"sentiment":"positive","sentiment_score":0.3787573277950287}],"sentiment":"neutral","sentiment_score":0.31852203954097835,"num_words":86,"start":676.095,"end":701.7},{"sentences":[{"text":"Yeah.","start":703.36,"end":703.86,"sentiment":"neutral","sentiment_score":0.17793916165828705},{"text":"Essentially, looking at because we are moving money from C bus and into hub twenty four, we do expect your admin fees to go up to slightly by about $34 for the year.","start":704.585,"end":713.565,"sentiment":"neutral","sentiment_score":0.17678870260715485},{"text":"However, by making the changes to the investment portfolio as above your investment fees, if you look at the last column there, it should save you about $588 for the year.","start":713.78503,"end":723.12,"sentiment":"positive","sentiment_score":0.3830357309310667},{"text":"So lower fees, which is good.","start":723.12,"end":725.28,"sentiment":"positive","sentiment_score":0.6893482208251953},{"text":"It means that you'll have more money invested working harder for you over the longer term.","start":725.28,"end":729.68,"sentiment":"positive","sentiment_score":0.6551303490996361}],"sentiment":"positive","sentiment_score":0.37361205651842316,"num_words":87,"start":703.36,"end":729.68},{"sentences":[{"text":"Still paying.","start":729.68,"end":730.42,"sentiment":"neutral","sentiment_score":0.3295252025127411},{"text":"We'll keep your contributions going into hub into C bus.","start":731.28,"end":734.64,"sentiment":"neutral","sentiment_score":0.2713321387767792},{"text":"Sorry.","start":734.64,"end":735.14,"sentiment":"neutral","sentiment_score":0.10543417930603027},{"text":"No changes there.","start":735.515,"end":736.735,"sentiment":"neutral","sentiment_score":0.06946340948343277},{"text":"And your insurance premiums stay payable out of SeaBus as well to make sure your insurances are in place.","start":736.875,"end":741.935,"sentiment":"neutral","sentiment_score":0.2792898941981165}],"sentiment":"neutral","sentiment_score":0.2569344054375376,"num_words":35,"start":729.68,"end":741.935},{"sentences":[{"text":"When you do happen to sell your investment property and you do pay off your mortgage, then we can talk about what your insurance needs are and possibly look at consolidating things there for you as well.","start":742.47504,"end":752.65,"sentiment":"neutral","sentiment_score":0.23548199296803088},{"text":"Okay?","start":752.65,"end":753.15,"sentiment":"neutral","sentiment_score":0.12818513810634613},{"text":"When we look at how the portfolios have performed over the past and the future, so the older portfolio between the two funds, when we look at the rate of debt, it's averaged about 8.52% on the five year rolling out, which was not bad in any way, shape, or form.","start":755.05005,"end":769.925,"sentiment":"neutral","sentiment_score":0.08538489807031903},{"text":"However, the newer portfolio, you can see, has had a greater past performance, which depending on market conditions, so long as we, you know, see good market conditions or what has happened over the past five years, we can expect greater performance there.","start":770.065,"end":782.20996,"sentiment":"positive","sentiment_score":0.34985400701678077},{"text":"And if you're able to obtain that sort of a a return of 10.95% over the course of the next five to ten years, you can see on the next page the projection there.","start":782.20996,"end":791.73,"sentiment":"positive","sentiment_score":0.5058982644010993}],"sentiment":"neutral","sentiment_score":0.2737344094630645,"num_words":166,"start":742.47504,"end":791.73},{"sentences":[{"text":"So it can and does place you in a better position moving forward.","start":791.73,"end":795.075,"sentiment":"positive","sentiment_score":0.729306514446552},{"text":"So we'll just keep reviewing things with you every year, just making sure things are working harder, review the portfolios, and make sure you stay on track there.","start":795.075,"end":802.295,"sentiment":"positive","sentiment_score":0.3707086427935532},{"text":"But, essentially, we wanna make sure your sleep is working harder to give you the best possible outcome in retirement.","start":802.515,"end":807.495,"sentiment":"neutral","sentiment_score":0.3283395379781723},{"text":"Okay.","start":808.02997,"end":808.52997,"sentiment":"neutral","sentiment_score":0.10054117441177368},{"text":"Do you have any questions so far at all?","start":810.19,"end":812.29,"sentiment":"neutral","sentiment_score":0.03326555776099364}],"sentiment":"positive","sentiment_score":0.3778527977443497,"num_words":71,"start":791.73,"end":812.29},{"sentences":[{"text":"At the moment, and when we did the you've got a yeah.","start":821.645,"end":826.28503,"sentiment":"neutral","sentiment_score":0.01180247419203321},{"text":"Yeah.","start":826.28503,"end":826.78503,"sentiment":"neutral","sentiment_score":0.010997569188475609},{"text":"And 30 seven there.","start":828.365,"end":829.565,"sentiment":"neutral","sentiment_score":0.01621895469725132},{"text":"So once we complete this switch, you'll have 10,000 in Cbus and about $242.02 56 in hub 24.","start":829.565,"end":837.13995,"sentiment":"neutral","sentiment_score":0.03367250216090017},{"text":"Yeah.","start":837.19995,"end":837.69995,"sentiment":"neutral","sentiment_score":0.10547396540641785}],"sentiment":"neutral","sentiment_score":0.02580783562734723,"num_words":36,"start":821.645,"end":837.69995},{"sentences":[{"text":"All good.","start":842.07996,"end":842.89996,"sentiment":"positive","sentiment_score":0.42511165142059326},{"text":"All good.","start":842.95996,"end":843.68,"sentiment":"positive","sentiment_score":0.4712083041667938},{"text":"Now one of the things I did talk about looking forward to for you is looking at, obviously, what the projected outcome looks like.","start":843.68,"end":849.46497,"sentiment":"neutral","sentiment_score":0.16751202320059141},{"text":"You are in your early fifties there.","start":849.46497,"end":851.385,"sentiment":"neutral","sentiment_score":0.07471775742513793},{"text":"You do have a bit of time before your retirement, but I wanted to sort of see where you are tracking at the moment.","start":851.385,"end":856.505,"sentiment":"neutral","sentiment_score":0.09261503738040726}],"sentiment":"neutral","sentiment_score":0.14506294351007978,"num_words":59,"start":842.07996,"end":856.505},{"sentences":[{"text":"So if you go down to page number 22, it does essentially show yeah.","start":856.505,"end":861.98,"sentiment":"neutral","sentiment_score":0.11649140236633164},{"text":"You're okay.","start":862.44,"end":863.26,"sentiment":"neutral","sentiment_score":0.13973252475261688},{"text":"Aaron, did you wanna take a second?","start":863.32,"end":864.84,"sentiment":"neutral","sentiment_score":0.04196561872959137},{"text":"You're fine.","start":864.84,"end":865.66003,"sentiment":"neutral","sentiment_score":0.11822709441184998},{"text":"You're okay?","start":867.24,"end":868.06,"sentiment":"neutral","sentiment_score":0.08775022625923157}],"sentiment":"neutral","sentiment_score":0.09689106129937702,"num_words":27,"start":856.505,"end":868.06},{"sentences":[{"text":"All good.","start":868.12,"end":868.86,"sentiment":"positive","sentiment_score":0.7059713304042816},{"text":"It does wanna show that projecting this out for you, you are looking at an income of about $1,000 a week in retirement.","start":869.24,"end":874.86,"sentiment":"neutral","sentiment_score":0.21128965655098791},{"text":"That could absolutely change there, but we've considered your asset position at the time.","start":874.935,"end":878.615,"sentiment":"neutral","sentiment_score":0.16836922296455928},{"text":"Obviously, you will have sold the investment property there and paid off your mortgage.","start":878.615,"end":883.895,"sentiment":"neutral","sentiment_score":0.031802604507122724},{"text":"You're fully debt free as a homeowner and considering any other assets that you do have.","start":883.895,"end":888.21,"sentiment":"neutral","sentiment_score":0.18845000956207514}],"sentiment":"neutral","sentiment_score":0.1752059492620005,"num_words":69,"start":868.12,"end":888.21},{"sentences":[{"text":"We do expect you to be able to access some age pension there as well given your current circumstances.","start":888.37,"end":893.27,"sentiment":"neutral","sentiment_score":0.30761279244171946},{"text":"That will be reviewed moving forward with you as well.","start":893.49005,"end":896.23004,"sentiment":"neutral","sentiment_score":0.22619494348764418},{"text":"But, essentially, if you are able to access some age pension given your current circumstances and supplement with your super there, we can essentially expect you to be able to draw about forty five thousand six sixty five on a yearly basis.","start":896.61005,"end":907.815,"sentiment":"positive","sentiment_score":0.33840438439732506},{"text":"So it is about 6,000 down from where your target income is.","start":907.815,"end":911.675,"sentiment":"neutral","sentiment_score":0.28083229809999466},{"text":"You could draw more to get that 52,000.","start":912.45496,"end":915.01495,"sentiment":"neutral","sentiment_score":0.2669743411242962}],"sentiment":"neutral","sentiment_score":0.3057731751884733,"num_words":91,"start":888.37,"end":915.01495},{"sentences":[{"text":"This means the super is expected to not last as long as what we've projected at here.","start":915.01495,"end":919.39,"sentiment":"neutral","sentiment_score":0.11735623154570074},{"text":"But there's other things that we can do.","start":919.39,"end":920.91003,"sentiment":"neutral","sentiment_score":0.12376424856483936},{"text":"So at the moment, we're just looking at what you've got currently with your two funds, keeping your insurances in place.","start":920.91003,"end":926.69,"sentiment":"neutral","sentiment_score":0.08644199406816847},{"text":"But moving forward, as we get closer to accessing super, once you are sort of you've sold the investment property, paid your mortgage, often you have a bit of extra free cash flow.","start":927.07,"end":934.975,"sentiment":"neutral","sentiment_score":0.21346396365852066},{"text":"We can also look at other areas like increasing contributions in the super.","start":934.975,"end":939.235,"sentiment":"neutral","sentiment_score":0.20474840929875007}],"sentiment":"neutral","sentiment_score":0.1576792600200228,"num_words":92,"start":915.01495,"end":939.235},{"sentences":[{"text":"If you decide at 60, you're not quite ready to retire, you wanna work a bit longer, there's other strategies that we can put in place there for you well.","start":939.615,"end":946.41,"sentiment":"neutral","sentiment_score":0.20338828874131043},{"text":"And also making sure that every year, we review your investments and your returns to see how you're sort of working forward.","start":946.41,"end":952.64996,"sentiment":"neutral","sentiment_score":0.1987187537279996},{"text":"Obviously, if you get a better return, that 10%, that's just an average of what this portfolio has seen over the past five years.","start":952.64996,"end":958.99,"sentiment":"neutral","sentiment_score":0.22684253752231598},{"text":"We know that some years, you could get a 20% return, some years, a 5% return, some years, a 10% return.","start":959.075,"end":964.595,"sentiment":"neutral","sentiment_score":0.2830894064335596},{"text":"So it's just about working with the market and making sure we're staying on track and trying to get the best possible outcome over the longer term there.","start":964.595,"end":972.035,"sentiment":"positive","sentiment_score":0.42085367627441883}],"sentiment":"neutral","sentiment_score":0.26917170092463494,"num_words":125,"start":939.615,"end":972.035},{"sentences":[{"text":"But moving down down the track, if you are comfortable to do so, it would be worth looking at additional contributions to help boost your super as well.","start":972.035,"end":980.21,"sentiment":"positive","sentiment_score":0.35391276861940113},{"text":"Essentially, thinking that your super is a bit like your car, your contributions and your portfolio essentially are the fuel.","start":980.59,"end":987.89,"sentiment":"positive","sentiment_score":0.342390863597393},{"text":"And adding those together, it fills your car up a lot faster and helps your portfolio work a little bit harder there as well.","start":988.145,"end":994.485,"sentiment":"positive","sentiment_score":0.4973312206566334},{"text":"The other aspect is the compounding side of things.","start":994.625,"end":997.265,"sentiment":"neutral","sentiment_score":0.024321787473228242},{"text":"So we sort of slug our life away to get our sleep up to about that two, two fifty mark.","start":997.265,"end":1002.565,"sentiment":"neutral","sentiment_score":-0.13883142061531545}],"sentiment":"neutral","sentiment_score":0.2587682352871588,"num_words":101,"start":972.035,"end":1002.565},{"sentences":[{"text":"Once we get over that $2.02 $5,300,000 mark, essentially, the compounding does increase a little bit more, and you do see those returns increase.","start":1003.02,"end":1011.92004,"sentiment":"neutral","sentiment_score":0.14657546610881886},{"text":"So it is something to keep keep monitoring and looking at with you, but I just wanted to sort of show you that with the research, with the changes that we're making here at the moment, this is essentially the forecast and projection that we've got here just so you can sort of see where you're tracking.","start":1011.98004,"end":1026.915,"sentiment":"neutral","sentiment_score":0.30243919659079166},{"text":"It'll light at the end of the tunnel, if you might say.","start":1027.375,"end":1029.875,"sentiment":"neutral","sentiment_score":0.11540536706646283},{"text":"Yeah.","start":1032.0599,"end":1032.5599,"sentiment":"neutral","sentiment_score":0.11966210603713988},{"text":"I've also got it in here noting that we are retaining your life and TPD within C Bus for the time being.","start":1033.1,"end":1039.34,"sentiment":"neutral","sentiment_score":0.10428883270783858}],"sentiment":"neutral","sentiment_score":0.21168729502322345,"num_words":116,"start":1003.02,"end":1039.34},{"sentences":[{"text":"We'll keep reviewing that with you.","start":1039.34,"end":1041.12,"sentiment":"neutral","sentiment_score":0.12657714759310087},{"text":"Admittedly, you don't have a lot of life and TPD, but given your health, it is important to sort of make sure, you know, where you have the best kind of cover possible.","start":1041.1799,"end":1050.275,"sentiment":"neutral","sentiment_score":-0.047214111708330384},{"text":"Given your history, we're not able to obtain any new cover elsewhere.","start":1050.815,"end":1053.9349,"sentiment":"neutral","sentiment_score":-0.12523521731297174},{"text":"So it's important just to keep the cover you do have for the time being.","start":1053.9349,"end":1057.23,"sentiment":"neutral","sentiment_score":0.001588361089428266},{"text":"But at the moment, you hold about 52,000 in life cover within Cbus and about 26,000 in PPD there.","start":1057.39,"end":1063.89,"sentiment":"neutral","sentiment_score":-0.010558698718485079}],"sentiment":"neutral","sentiment_score":-0.029155473739785307,"num_words":85,"start":1039.34,"end":1063.89},{"sentences":[{"text":"Unfortunately, these covers do decrease as you get older, as the you know, as you get closer to retirement there, but we wanna kinda boost your super.","start":1064.35,"end":1072.37,"sentiment":"neutral","sentiment_score":-0.0805438878359618},{"text":"And if you wanted to look at trying to invest in other ways to close that gap, we can also have those conversations with you as well.","start":1072.395,"end":1078.475,"sentiment":"neutral","sentiment_score":0.2287508757026107},{"text":"Okay?","start":1078.475,"end":1078.975,"sentiment":"neutral","sentiment_score":0.13611100614070892},{"text":"Beautiful.","start":1080.635,"end":1081.135,"sentiment":"neutral","sentiment_score":0.08217189460992813},{"text":"One of the things we did sorta look at a while ago was that you did have a bit of cryptocurrency on those shares there.","start":1081.515,"end":1087.435,"sentiment":"neutral","sentiment_score":0.0471636325865984}],"sentiment":"neutral","sentiment_score":0.06665385663969281,"num_words":81,"start":1064.35,"end":1087.435},{"sentences":[{"text":"Do you still have those?","start":1087.435,"end":1088.62,"sentiment":"neutral","sentiment_score":0.02388833463191986},{"text":"Did you have they grown, or what have they been doing this year?","start":1088.62,"end":1092.48,"sentiment":"neutral","sentiment_score":0.026882372796535492},{"text":"Yeah.","start":1097.1,"end":1097.6,"sentiment":"neutral","sentiment_score":0.03786113485693931},{"text":"Yep.","start":1110.235,"end":1110.635,"sentiment":"neutral","sentiment_score":0.04701550304889679},{"text":"Yep.","start":1110.635,"end":1111.135,"sentiment":"neutral","sentiment_score":0.0532236322760582}],"sentiment":"neutral","sentiment_score":0.028905370937926427,"num_words":21,"start":1087.435,"end":1111.135},{"sentences":[{"text":"Yep.","start":1111.595,"end":1112.095,"sentiment":"neutral","sentiment_score":0.09839114546775818},{"text":"Yeah.","start":1132.0951,"end":1132.495,"sentiment":"neutral","sentiment_score":0.13831159472465515},{"text":"Oh, fantastic.","start":1132.495,"end":1133.555,"sentiment":"positive","sentiment_score":0.5193293392658234},{"text":"Oh, fantastic.","start":1139.87,"end":1140.7699,"sentiment":"positive","sentiment_score":0.5142537355422974},{"text":"Excellent.","start":1141.47,"end":1141.97,"sentiment":"positive","sentiment_score":0.5687509775161743}],"sentiment":"positive","sentiment_score":0.4103742667606899,"num_words":7,"start":1111.595,"end":1141.97},{"sentences":[{"text":"And that and that's all going towards your offset account to help pay your loan down a little bit.","start":1142.19,"end":1146.4299,"sentiment":"positive","sentiment_score":0.33904426505691126},{"text":"Is that right?","start":1146.4299,"end":1146.99,"sentiment":"neutral","sentiment_score":0.1720264951388041},{"text":"That savings?","start":1146.99,"end":1147.73,"sentiment":"neutral","sentiment_score":0.08727115765213966},{"text":"Yeah.","start":1149.245,"end":1149.745,"sentiment":"neutral","sentiment_score":0.13905735313892365},{"text":"Yeah.","start":1150.205,"end":1150.6849,"sentiment":"neutral","sentiment_score":0.25995224714279175}],"sentiment":"neutral","sentiment_score":0.28967201681091237,"num_words":26,"start":1142.19,"end":1150.6849},{"sentences":[{"text":"Beautiful.","start":1150.6849,"end":1151.1849,"sentiment":"positive","sentiment_score":0.508461594581604},{"text":"And, hopefully, a pay rise coming up for you as well.","start":1151.4049,"end":1153.8049,"sentiment":"neutral","sentiment_score":0.1495592939582738},{"text":"Are you due for a pay rise soon?","start":1153.8049,"end":1155.505,"sentiment":"neutral","sentiment_score":0.03392735496163368},{"text":"Yeah.","start":1162.62,"end":1162.86,"sentiment":"neutral","sentiment_score":0.13322608172893524},{"text":"Nice.","start":1162.86,"end":1163.26,"sentiment":"neutral","sentiment_score":0.22910510003566745}],"sentiment":"neutral","sentiment_score":0.126698356799104,"num_words":22,"start":1150.6849,"end":1163.26},{"sentences":[{"text":"So hopefully end of this year, another one for you.","start":1163.26,"end":1165.9199,"sentiment":"neutral","sentiment_score":0.11152007207274436},{"text":"Cross your fingers.","start":1166.86,"end":1167.84,"sentiment":"neutral","sentiment_score":0.03315300246079763},{"text":"Oh, are you?","start":1168.62,"end":1169.6,"sentiment":"neutral","sentiment_score":0.01786659440646569},{"text":"Oh, fantastic.","start":1171.02,"end":1171.9199,"sentiment":"positive","sentiment_score":0.4746723473072052},{"text":"Well, good luck with that.","start":1172.0599,"end":1173.1,"sentiment":"positive","sentiment_score":0.5731260418891907}],"sentiment":"neutral","sentiment_score":0.22101019197346075,"num_words":23,"start":1163.26,"end":1173.1},{"sentences":[{"text":"I hope it all goes really well.","start":1173.1,"end":1174.62,"sentiment":"positive","sentiment_score":0.5196239692824227},{"text":"Keep us updated there.","start":1174.62,"end":1176.08,"sentiment":"positive","sentiment_score":0.37144511193037033},{"text":"You know, obviously, with a pay rise, it does come with a bit more money.","start":1176.6951,"end":1179.575,"sentiment":"neutral","sentiment_score":0.03483811145027479},{"text":"You pay a little bit more taxes.","start":1179.575,"end":1180.935,"sentiment":"neutral","sentiment_score":-0.049545568014894216},{"text":"Well, unfortunately, the tax penalties are coming no matter what we do.","start":1180.935,"end":1184.075,"sentiment":"neutral","sentiment_score":-0.09280191268771887}],"sentiment":"neutral","sentiment_score":0.09300617724657059,"num_words":45,"start":1173.1,"end":1184.075},{"sentences":[{"text":"But if you ever you know, if you find you do have a bit of extra cash there that you wanna maybe look at extra contributions, feel free to let me know.","start":1184.375,"end":1190.76,"sentiment":"neutral","sentiment_score":0.22738367808051407},{"text":"Those sorts of things can definitely provide a boost to your super.","start":1191.0,"end":1193.9,"sentiment":"positive","sentiment_score":0.5679894660909971},{"text":"And starting earlier helps the compounding effect rather than later as well.","start":1194.4401,"end":1198.36,"sentiment":"positive","sentiment_score":0.4003195601205031},{"text":"And something as simple as 20 or $50 a week or a fortnight can make a difference over the next ten years as well.","start":1198.36,"end":1204.28,"sentiment":"positive","sentiment_score":0.6967758685350418},{"text":"So let me know if it's something you wanna look at or if you find your cash flow allowed for it.","start":1204.28,"end":1209.255,"sentiment":"neutral","sentiment_score":0.2904893606901169}],"sentiment":"positive","sentiment_score":0.413058251806415,"num_words":101,"start":1184.375,"end":1209.255},{"sentences":[{"text":"Okay?","start":1209.395,"end":1209.895,"sentiment":"neutral","sentiment_score":0.1503829061985016},{"text":"On page number 24 at the very bottom there, we do have a bit of a different table for you.","start":1211.715,"end":1216.355,"sentiment":"neutral","sentiment_score":0.13437265995889902},{"text":"So the projection shows the current and recommended, and this is exactly the same.","start":1216.355,"end":1220.615,"sentiment":"neutral","sentiment_score":0.2168913728424481},{"text":"However, the difference in the last column is no insurances.","start":1220.8,"end":1223.46,"sentiment":"neutral","sentiment_score":-0.05990159399807453},{"text":"So we all have insurances.","start":1223.76,"end":1225.3,"sentiment":"neutral","sentiment_score":-0.019456174224615097}],"sentiment":"neutral","sentiment_score":0.10356037028133869,"num_words":50,"start":1209.395,"end":1225.3},{"sentences":[{"text":"It's important to have those kinds of cover to protect us in the event that something was to happen.","start":1225.4401,"end":1230.34,"sentiment":"neutral","sentiment_score":0.07413086255914286},{"text":"However, this sort of shows you if you didn't have cover, everything was in kind of one place and you still got the same return projected above.","start":1230.72,"end":1237.595,"sentiment":"neutral","sentiment_score":0.21575925181861277},{"text":"Essentially, you could see just a a greater gain in your ten year projection.","start":1238.0549,"end":1242.635,"sentiment":"positive","sentiment_score":0.4995032570191792},{"text":"It's admittedly, it's only minimal.","start":1243.335,"end":1245.595,"sentiment":"neutral","sentiment_score":0.1509689435362816},{"text":"Your insurances aren't that expensive, and so keeping them doesn't have a massive effect there.","start":1245.975,"end":1251.1699,"sentiment":"neutral","sentiment_score":0.11394045154253642}],"sentiment":"neutral","sentiment_score":0.20863729096017777,"num_words":80,"start":1225.4401,"end":1251.1699},{"sentences":[{"text":"But we just like to show you the difference.","start":1251.1699,"end":1253.0299,"sentiment":"neutral","sentiment_score":0.1997131754954656},{"text":"Okay.","start":1253.25,"end":1253.75,"sentiment":"neutral","sentiment_score":0.2033708691596985},{"text":"Excellent.","start":1255.6499,"end":1256.1499,"sentiment":"positive","sentiment_score":0.47477850317955017},{"text":"And then at the very end, they're just making sure that we do retain your beneficiaries within CBAS and hub twenty four, making sure that they are applied.","start":1256.45,"end":1265.235,"sentiment":"neutral","sentiment_score":0.2993425971695355},{"text":"We have binding non lapsing for your spouse and binding lapsing within CBAS to your spouse as well.","start":1265.235,"end":1270.135,"sentiment":"neutral","sentiment_score":0.16903860370318094}],"sentiment":"neutral","sentiment_score":0.2438571147228542,"num_words":57,"start":1251.1699,"end":1270.135},{"sentences":[{"text":"The main difference between those beneficiaries is binding non lapsing means within hub 24.","start":1270.6749,"end":1275.4,"sentiment":"neutral","sentiment_score":0.06656866653689317},{"text":"That beneficiary stays in place continuously.","start":1275.4,"end":1277.8201,"sentiment":"neutral","sentiment_score":0.12049392486612003},{"text":"However, Cbus only allow a binding lapsing nomination, so it does need to be updated every generally, every three years.","start":1278.2,"end":1285.1,"sentiment":"neutral","sentiment_score":0.04398050708696246},{"text":"What we can do is we have a TPA on file with Cbus, and we'll monitor when that's due and when this the beneficiary is due to lapse.","start":1285.4,"end":1293.125,"sentiment":"neutral","sentiment_score":0.217805092888219},{"text":"We'll make sure we contact you and have that updated.","start":1293.125,"end":1295.865,"sentiment":"neutral","sentiment_score":0.2855872169137001}],"sentiment":"neutral","sentiment_score":0.1472942281084565,"num_words":78,"start":1270.6749,"end":1295.865},{"sentences":[{"text":"That way it doesn't lapse.","start":1296.245,"end":1297.525,"sentiment":"positive","sentiment_score":0.34100363254547117},{"text":"And that way, you know, there's no risk of anything.","start":1297.525,"end":1299.9451,"sentiment":"positive","sentiment_score":0.3744105711579323},{"text":"Your spouse not being able to get those funds or claim those funds in the event if you're passing away.","start":1300.3251,"end":1305.545,"sentiment":"neutral","sentiment_score":0.1633770741522312},{"text":"Keeping in mind, I hope that never happens.","start":1305.6799,"end":1307.6,"sentiment":"neutral","sentiment_score":0.03147063171491027},{"text":"I would love to get you to retirement and then see you through retirement there.","start":1307.6,"end":1311.86,"sentiment":"positive","sentiment_score":0.639520937204361}],"sentiment":"neutral","sentiment_score":0.3200214563644138,"num_words":58,"start":1296.245,"end":1311.86},{"sentences":[{"text":"We don't want anything to happen.","start":1312.16,"end":1313.52,"sentiment":"neutral","sentiment_score":-0.26658789068460464},{"text":"This is one of those conversations we do have to have, unfortunately.","start":1313.52,"end":1316.26,"sentiment":"neutral","sentiment_score":-0.12505161886413893},{"text":"Okay?","start":1316.96,"end":1317.46,"sentiment":"neutral","sentiment_score":-0.03399135172367096},{"text":"And then just also making sure that you do establish your will and beneficiary power of attorney.","start":1319.455,"end":1323.9349,"sentiment":"neutral","sentiment_score":0.0976967206772636},{"text":"So, essentially, one of the things we did sort of talk about in the annual review was that you mentioned you don't have a will or power of attorney set up.","start":1323.9349,"end":1330.95,"sentiment":"neutral","sentiment_score":0.05267873186347706}],"sentiment":"neutral","sentiment_score":0.002384280851944836,"num_words":67,"start":1312.16,"end":1330.95},{"sentences":[{"text":"Your beneficiaries protect your your life insurances and your super.","start":1331.35,"end":1336.25,"sentiment":"neutral","sentiment_score":0.15043569058179856},{"text":"However, everything else that you've worked so hard for, your house, your savings, your cars, everything like that still needs to be protected.","start":1336.7899,"end":1344.01,"sentiment":"neutral","sentiment_score":0.048999886392899185},{"text":"And, look, honestly, a lot of people just assume everything goes automatically to their spouse.","start":1344.645,"end":1348.905,"sentiment":"neutral","sentiment_score":-0.10418450136979421},{"text":"And while, yes, in most states, that is absolutely true, it does also have to go through a probate process even if it's just you and your spouse or you passed away or she passed away without having a will in place to protect your assets.","start":1349.125,"end":1362.16,"sentiment":"neutral","sentiment_score":-0.16205565169777558},{"text":"Everything still has to go through probate, and it can essentially mean that other parties can come forward, people you may not want to, family members you may not have spoken to in years, who can come forward and stake a claim on your assets.","start":1362.7001,"end":1375.695,"sentiment":"neutral","sentiment_score":-0.28247690233919354}],"sentiment":"neutral","sentiment_score":-0.13739161015146498,"num_words":139,"start":1331.35,"end":1375.695},{"sentences":[{"text":"I have seen instances where the assets have not been provided to the people that that the the person who passed away wanted them to go to.","start":1376.155,"end":1383.455,"sentiment":"neutral","sentiment_score":-0.21105607681804234},{"text":"And while in most instances, everything goes to your wife, there are some cases where a judge of the court system may see or legislation may allow for other parties to be paid out some of your, estate.","start":1384.155,"end":1396.72,"sentiment":"neutral","sentiment_score":-0.1523871253195562},{"text":"So it is really important to make sure a will and a power of attorney is done up.","start":1396.86,"end":1401.2,"sentiment":"neutral","sentiment_score":0.17282699710792965},{"text":"You can also if you, speak to, like, your local government agencies, they tend to do them fairly cheaply.","start":1401.6599,"end":1408.135,"sentiment":"neutral","sentiment_score":0.25153008495506485},{"text":"And we can also send you, if you would like, some information on local solicitor or anywhere else that might do well very cheaply.","start":1408.675,"end":1416.3551,"sentiment":"neutral","sentiment_score":0.28155889362096786}],"sentiment":"neutral","sentiment_score":0.02506465216477712,"num_words":126,"start":1376.155,"end":1416.3551},{"sentences":[{"text":"You can also get a will kit just from the post office as well.","start":1416.3551,"end":1419.81,"sentiment":"neutral","sentiment_score":0.2578954888241632},{"text":"I had a look last time.","start":1420.05,"end":1421.17,"sentiment":"neutral","sentiment_score":0.21430908143520355},{"text":"I think they're about $30.","start":1421.17,"end":1422.7101,"sentiment":"neutral","sentiment_score":0.28225460946559905},{"text":"And as long as you fill those will kits out correctly for the the prompt, then they can be just as valid as well.","start":1423.01,"end":1430.4501,"sentiment":"positive","sentiment_score":0.38655890213946503},{"text":"But it's just about making sure that everything you've worked hard for is protected and distributed in the event that you're passing to where you want them to go.","start":1430.4501,"end":1439.305,"sentiment":"neutral","sentiment_score":0.20038933435390735}],"sentiment":"neutral","sentiment_score":0.27431241957805097,"num_words":78,"start":1416.3551,"end":1439.305},{"sentences":[{"text":"Okay?","start":1439.4451,"end":1439.9451,"sentiment":"neutral","sentiment_score":0.09025490283966064},{"text":"Yeah.","start":1441.845,"end":1442.3251,"sentiment":"neutral","sentiment_score":0.2936932444572449},{"text":"Beautiful.","start":1442.3251,"end":1442.8251,"sentiment":"positive","sentiment_score":0.6937874555587769},{"text":"That's essentially all of the recommendations there.","start":1443.845,"end":1446.165,"sentiment":"positive","sentiment_score":0.5800062077386039},{"text":"It's a nice easy one for you this afternoon.","start":1446.165,"end":1448.425,"sentiment":"positive","sentiment_score":0.7793775267071195}],"sentiment":"positive","sentiment_score":0.6395882524942097,"num_words":19,"start":1439.4451,"end":1448.425},{"sentences":[{"text":"You are an ongoing client.","start":1448.86,"end":1450.1399,"sentiment":"positive","sentiment_score":0.3599149644374847},{"text":"You do pay the ongoing service fees.","start":1450.1399,"end":1451.82,"sentiment":"neutral","sentiment_score":0.29303926868098124},{"text":"So all the advice provided, there's no implementation fees for doing any of this.","start":1451.82,"end":1455.9199,"sentiment":"positive","sentiment_score":0.3531169912644795},{"text":"It's all part of our services and just making sure we've updated the advice and recommendations there for you because we had to retain C bus last year.","start":1455.98,"end":1463.525,"sentiment":"positive","sentiment_score":0.3354971038975886},{"text":"The last advice they didn't allow us to do the rollover, so I wanted to make sure this was updated for you.","start":1463.525,"end":1468.7251,"sentiment":"neutral","sentiment_score":-0.005905563858422366}],"sentiment":"neutral","sentiment_score":0.23761163269610783,"num_words":76,"start":1448.86,"end":1468.7251},{"sentences":[{"text":"And, also, just make sure we're reviewing the investments for you regularly as well because the investments provided when you came on board or a couple of years ago may not be appropriate now.","start":1468.7251,"end":1478.36,"sentiment":"neutral","sentiment_score":-0.06930623926660594},{"text":"We wanted to update the the portfolio now because there are some underperforming or changes to the investments, and then we'll keep reviewing those more for you because in another couple of years or another year or two, there may need to be some changes again.","start":1478.36,"end":1489.96,"sentiment":"neutral","sentiment_score":-0.027824576215251633},{"text":"So advice is very much fluid.","start":1489.96,"end":1492.365,"sentiment":"neutral","sentiment_score":0.10024391363064449},{"text":"It needs to change as your life changes as well.","start":1492.365,"end":1495.565,"sentiment":"neutral","sentiment_score":0.19328827857971193},{"text":"So it's about making sure we update these for you, and we enjoy putting it together there.","start":1495.565,"end":1500.865,"sentiment":"positive","sentiment_score":0.6104582250118256}],"sentiment":"neutral","sentiment_score":0.08208666771518446,"num_words":113,"start":1468.7251,"end":1500.865},{"sentences":[{"text":"As moving forward, did you want me to do I know you do for a review at the end of the year there, but did you wanna do a bit of a catch up in a few months, or are you happy to touch base at the end of the year for your review?","start":1501.485,"end":1511.75,"sentiment":"neutral","sentiment_score":0.08752256155841881},{"text":"What would you like, Aaron?","start":1511.75,"end":1513.05,"sentiment":"neutral","sentiment_score":0.05736283883452416},{"text":"And does a year just once a year make it nice and simple for you?","start":1515.11,"end":1518.49,"sentiment":"neutral","sentiment_score":0.19281359016895294},{"text":"Yeah.","start":1520.365,"end":1520.765,"sentiment":"neutral","sentiment_score":0.1817653775215149},{"text":"Beautiful.","start":1520.765,"end":1521.265,"sentiment":"positive","sentiment_score":0.462418794631958}],"sentiment":"neutral","sentiment_score":0.11249237556598689,"num_words":76,"start":1501.485,"end":1521.265},{"sentences":[{"text":"Not an issue at all.","start":1521.485,"end":1523.105,"sentiment":"neutral","sentiment_score":0.2187155678868294},{"text":"Well, look.","start":1523.245,"end":1523.805,"sentiment":"neutral","sentiment_score":0.1110675111413002},{"text":"I've got the document there for you with all the product disclosure statements, our financial services guide, and any other additional documents required.","start":1523.805,"end":1530.785,"sentiment":"neutral","sentiment_score":0.1706286908491798},{"text":"Feel free to run your eyes over that one.","start":1531.245,"end":1533.085,"sentiment":"neutral","sentiment_score":0.227982383635309},{"text":"Have a bit of a look.","start":1533.085,"end":1533.965,"sentiment":"neutral","sentiment_score":0.15760513550291458}],"sentiment":"neutral","sentiment_score":0.18305877815518115,"num_words":45,"start":1521.485,"end":1533.965},{"sentences":[{"text":"If you do decide to take on the recommendations, we'll get you to sign and return it back so we can have the investment switch completed nice and easily for you.","start":1533.965,"end":1541.31,"sentiment":"positive","sentiment_score":0.3850142691404589},{"text":"If you do find you have any questions, please let me know.","start":1541.53,"end":1544.43,"sentiment":"neutral","sentiment_score":0.08462551391373078},{"text":"I've outlined some of the advantages, disadvantages, risks, and things involved, and there's others noted there for you to run your eyes over as well.","start":1544.65,"end":1551.765,"sentiment":"neutral","sentiment_score":0.10219192579388618},{"text":"Okay.","start":1551.8251,"end":1552.3251,"sentiment":"neutral","sentiment_score":0.1178140789270401},{"text":"All good.","start":1554.0651,"end":1554.465,"sentiment":"positive","sentiment_score":0.4406755715608597}],"sentiment":"neutral","sentiment_score":0.23246354756640716,"num_words":71,"start":1533.965,"end":1554.465},{"sentences":[{"text":"Do you have any questions or anything you wanted me to look at or anything you wanted to ask while you've got me here at all?","start":1554.465,"end":1560.63,"sentiment":"neutral","sentiment_score":0.14112730180987945},{"text":"Yeah.","start":1562.79,"end":1563.11,"sentiment":"neutral","sentiment_score":0.3287702202796936},{"text":"All good.","start":1563.11,"end":1563.59,"sentiment":"positive","sentiment_score":0.44543829560279846},{"text":"Well, I will let you go.","start":1563.59,"end":1564.63,"sentiment":"positive","sentiment_score":0.42111929257710773},{"text":"You're probably ready to have a good afternoon and sit down and put your feet up, so I'll let you go to do that.","start":1564.63,"end":1570.09,"sentiment":"positive","sentiment_score":0.5320402818421522}],"sentiment":"positive","sentiment_score":0.34211252844434675,"num_words":59,"start":1554.465,"end":1570.09},{"sentences":[{"text":"I appreciate your time this afternoon, and let me know if there's anything you need.","start":1570.15,"end":1574.07,"sentiment":"positive","sentiment_score":0.5571681499481201},{"text":"Okay?","start":1574.07,"end":1574.57,"sentiment":"neutral","sentiment_score":0.2960781455039978},{"text":"No worries.","start":1576.6569,"end":1577.2969,"sentiment":"neutral","sentiment_score":0.31072352826595306},{"text":"Thanks, Aaron.","start":1577.2969,"end":1578.0168,"sentiment":"positive","sentiment_score":0.41755954921245575},{"text":"Talk soon.","start":1578.0168,"end":1578.4968,"sentiment":"positive","sentiment_score":0.3548950105905533}],"sentiment":"positive","sentiment_score":0.4918162077665329,"num_words":22,"start":1570.15,"end":1578.4968},{"sentences":[{"text":"See you later.","start":1578.4968,"end":1579.3169,"sentiment":"neutral","sentiment_score":0.3160380721092224},{"text":"Bye.","start":1580.4169,"end":1580.9169,"sentiment":"neutral","sentiment_score":0.12446609139442444}],"sentiment":"neutral","sentiment_score":0.2681450769305229,"num_words":4,"start":1578.4968,"end":1580.9169}]}}]},{"alternatives":[{"transcript":"Hi, speaking. Hi. Good. Yourself? Yeah. Very good. Yes. I do. Yeah. Yeah. It's fine. Yeah. You're good. Aaron, that's a new 16 gosh from Crescent Chrome, and that is 12 in section nineteen seventy six. All good. All good. Yeah. Mhmm. Mhmm. Yeah. Open two years. No. Two years now. It might be two years because we've we've been saving a bit. Mhmm. Yeah. Page 17, did you say? Mhmm. Mhmm. No. I'm good. Mhmm. Mhmm. Mhmm. Mhmm. No. I'm good. So what's my what's my how how much money right now? How much sleep do I have at the moment? Up there, a bit right there. Current. 200 and 16, 237. Up there. And 30 seven. Two. Mhmm. Mhmm. Yes. I've got TRX. This is Chime. What about 7 4 ring in that now, I think it is. But I've got shares in I'll I'll put more money into ASN, which is Ansell, because I got a big feeling that in '27 when they get their LG, they lift some grade battery grade. Something to do with LG. They've got this big thing coming up in '27. And I'm picking shares with regards to about 40. And and then we've and then we've also got we've increased our bank balance to a 130. Yep. All in offset. I had a pay rise. I think it was end of last year. I'm changing roles at work. I should be getting a pay rise in the next few months. Mhmm. Mhmm. Mhmm. Mhmm. I prefer NDA. Mhmm. Yeah. Mhmm. No. I'm good. I'm good. Thank you so much for your time. Bye bye.","confidence":0.9375,"words":[{"word":"hi","start":0.56,"end":0.71999997,"confidence":0.6245117,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.049254707992076874},{"word":"speaking","start":0.71999997,"end":1.22,"confidence":0.6005249,"punctuated_word":"speaking.","sentiment":"neutral","sentiment_score":0.04583517462015152},{"word":"hi","start":3.76,"end":4.26,"confidence":0.6843262,"punctuated_word":"Hi.","sentiment":"neutral","sentiment_score":0.10217124223709106},{"word":"good","start":8.72,"end":9.04,"confidence":0.986084,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.4975566864013672},{"word":"yourself","start":9.04,"end":9.54,"confidence":0.9645996,"punctuated_word":"Yourself?","sentiment":"positive","sentiment_score":0.3587743639945984},{"word":"yeah","start":16.035,"end":16.355,"confidence":0.9296875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19231441617012024},{"word":"very","start":16.355,"end":16.595,"confidence":0.96777344,"punctuated_word":"Very","sentiment":"positive","sentiment_score":0.41968852281570435},{"word":"good","start":16.595,"end":17.095,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.36719703674316406},{"word":"yes","start":22.835,"end":23.235,"confidence":0.97924805,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.031082581728696823},{"word":"i","start":23.235,"end":23.314999,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0915338546037674},{"word":"do","start":23.314999,"end":23.555,"confidence":0.9975586,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":-0.08241770416498184},{"word":"yeah","start":23.555,"end":24.055,"confidence":0.9511719,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00733576063066721},{"word":"yeah","start":39.67,"end":39.91,"confidence":0.94555664,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11710739135742188},{"word":"it's","start":39.91,"end":40.07,"confidence":0.9802246,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.14816805720329285},{"word":"fine","start":40.07,"end":40.39,"confidence":0.91064453,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.176937535405159},{"word":"yeah","start":40.39,"end":40.89,"confidence":0.9165039,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2991989254951477},{"word":"you're","start":41.19,"end":41.35,"confidence":0.7758789,"punctuated_word":"You're","sentiment":"positive","sentiment_score":0.5700910091400146},{"word":"good","start":41.35,"end":41.85,"confidence":0.98706055,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5287235379219055},{"word":"aaron","start":48.415,"end":48.735,"confidence":0.6236572,"punctuated_word":"Aaron,","sentiment":"neutral","sentiment_score":0.13048908114433289},{"word":"that's","start":48.735,"end":49.055,"confidence":0.5524292,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.11185076087713242},{"word":"a","start":49.055,"end":49.135,"confidence":0.28735352,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13275441527366638},{"word":"new","start":49.135,"end":49.375,"confidence":0.7949219,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.1027209460735321},{"word":"16","start":49.375,"end":49.775,"confidence":0.9243164,"punctuated_word":"16","sentiment":"neutral","sentiment_score":0.10988762229681016},{"word":"gosh","start":49.775,"end":50.015,"confidence":0.19384766,"punctuated_word":"gosh","sentiment":"neutral","sentiment_score":0.15465250611305237},{"word":"from","start":50.015,"end":50.175,"confidence":0.6298828,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.12527133524417877},{"word":"crescent","start":50.175,"end":50.575,"confidence":0.8964844,"punctuated_word":"Crescent","sentiment":"neutral","sentiment_score":0.1410801112651825},{"word":"chrome","start":50.575,"end":50.815,"confidence":0.21765137,"punctuated_word":"Chrome,","sentiment":"neutral","sentiment_score":0.12713274359703064},{"word":"and","start":50.815,"end":50.895,"confidence":0.11022949,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08405835926532745},{"word":"that","start":50.895,"end":51.135,"confidence":0.2919922,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0744919553399086},{"word":"is","start":51.135,"end":51.295,"confidence":0.73828125,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06939275562763214},{"word":"12","start":51.295,"end":51.614998,"confidence":0.21875,"punctuated_word":"12","sentiment":"neutral","sentiment_score":0.07601109147071838},{"word":"in","start":51.614998,"end":51.775,"confidence":0.24804688,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08628036826848984},{"word":"section","start":51.775,"end":52.095,"confidence":0.7734375,"punctuated_word":"section","sentiment":"neutral","sentiment_score":0.10435259342193604},{"word":"nineteen","start":52.095,"end":52.495,"confidence":0.9453125,"punctuated_word":"nineteen","sentiment":"neutral","sentiment_score":0.10794219374656676},{"word":"seventy","start":52.495,"end":52.895,"confidence":0.96533203,"punctuated_word":"seventy","sentiment":"neutral","sentiment_score":0.09420209378004074},{"word":"six","start":52.895,"end":53.395,"confidence":0.9980469,"punctuated_word":"six.","sentiment":"neutral","sentiment_score":0.0945560485124588},{"word":"all","start":80.985,"end":81.145,"confidence":0.296875,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.298648476600647},{"word":"good","start":81.145,"end":81.465,"confidence":0.99121094,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.28693872690200806},{"word":"all","start":81.465,"end":81.625,"confidence":0.87890625,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.3188927173614502},{"word":"good","start":81.625,"end":82.125,"confidence":0.9748535,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.35809287428855896},{"word":"yeah","start":102.165,"end":102.665,"confidence":0.8125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0460820272564888},{"word":"mhmm","start":120.89,"end":121.39,"confidence":0.96899414,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.018950486555695537},{"word":"mhmm","start":139.98,"end":140.48,"confidence":0.93151855,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0024634115397930145},{"word":"yeah","start":149.91501,"end":150.15501,"confidence":0.77319336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01567600667476654},{"word":"open","start":150.15501,"end":150.55501,"confidence":0.5019531,"punctuated_word":"Open","sentiment":"neutral","sentiment_score":0.00596209242939949},{"word":"two","start":150.55501,"end":150.79501,"confidence":0.8535156,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.011911695823073387},{"word":"years","start":150.79501,"end":151.29501,"confidence":0.9802246,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.004248763434588909},{"word":"no","start":151.99501,"end":152.235,"confidence":0.71875,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.059462178498506546},{"word":"two","start":152.235,"end":152.395,"confidence":0.9248047,"punctuated_word":"Two","sentiment":"neutral","sentiment_score":-0.054064199328422546},{"word":"years","start":152.395,"end":152.63501,"confidence":0.9760742,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.03959907963871956},{"word":"now","start":152.63501,"end":152.79501,"confidence":0.88793945,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.05783243477344513},{"word":"it","start":152.79501,"end":153.115,"confidence":0.5703125,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.037575237452983856},{"word":"might","start":153.115,"end":153.35501,"confidence":0.57470703,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.05110539495944977},{"word":"be","start":153.35501,"end":153.515,"confidence":0.984375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.041799142956733704},{"word":"two","start":153.515,"end":153.675,"confidence":0.99121094,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.026746070012450215},{"word":"years","start":153.675,"end":153.91501,"confidence":0.9970703,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.025290532037615776},{"word":"because","start":153.91501,"end":154.07501,"confidence":0.77246094,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.023660529404878616},{"word":"we've","start":154.07501,"end":154.55501,"confidence":0.9213867,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.027258094400167465},{"word":"we've","start":154.55501,"end":154.71501,"confidence":0.75927734,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.00458149891346693},{"word":"been","start":154.71501,"end":154.875,"confidence":0.99121094,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.013573236763477324},{"word":"saving","start":154.875,"end":155.195,"confidence":0.9790039,"punctuated_word":"saving","sentiment":"neutral","sentiment_score":-0.013195253908634186},{"word":"a","start":155.195,"end":155.35501,"confidence":0.93115234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.048052381724119186},{"word":"bit","start":155.35501,"end":155.85501,"confidence":0.9946289,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.023273903876543045},{"word":"mhmm","start":189.575,"end":190.075,"confidence":0.97351074,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.10139034688472748},{"word":"yeah","start":210.305,"end":210.625,"confidence":0.94506836,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04651205241680145},{"word":"page","start":210.625,"end":210.94499,"confidence":0.95703125,"punctuated_word":"Page","sentiment":"neutral","sentiment_score":0.035694222897291183},{"word":"17","start":210.94499,"end":211.345,"confidence":0.8720703,"punctuated_word":"17,","sentiment":"neutral","sentiment_score":0.04048028960824013},{"word":"did","start":211.345,"end":211.50499,"confidence":0.65478516,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.023417573422193527},{"word":"you","start":211.50499,"end":211.58499,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04498154670000076},{"word":"say","start":211.58499,"end":212.08499,"confidence":0.9995117,"punctuated_word":"say?","sentiment":"neutral","sentiment_score":0.03936077654361725},{"word":"mhmm","start":215.985,"end":216.485,"confidence":0.8691406,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.15745511651039124},{"word":"mhmm","start":337.35,"end":337.85,"confidence":0.95532227,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.004741166718304157},{"word":"no","start":616.56,"end":616.8,"confidence":0.953125,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.088027723133564},{"word":"i'm","start":616.8,"end":616.88,"confidence":0.69628906,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.010148786008358002},{"word":"good","start":616.88,"end":617.38,"confidence":0.98217773,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":-0.02322522923350334},{"word":"mhmm","start":702.37,"end":702.87,"confidence":0.9621582,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.13013362884521484},{"word":"mhmm","start":731.04,"end":731.54,"confidence":0.98376465,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.21235904097557068},{"word":"mhmm","start":753.99506,"end":754.47,"confidence":0.94885254,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.058842793107032776},{"word":"mhmm","start":809.40497,"end":809.90497,"confidence":0.88220215,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.05253826081752777},{"word":"no","start":814.0,"end":814.16003,"confidence":0.8989258,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.013270862400531769},{"word":"i'm","start":814.16003,"end":814.4,"confidence":0.99365234,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.09123503416776656},{"word":"good","start":814.4,"end":814.72003,"confidence":0.9694824,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.06482899188995361},{"word":"so","start":814.72003,"end":815.2,"confidence":0.98535156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.004106100648641586},{"word":"what's","start":815.2,"end":815.52,"confidence":0.9890137,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.039165858179330826},{"word":"my","start":815.52,"end":816.02,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.024601150304079056},{"word":"what's","start":817.68,"end":818.0,"confidence":0.953125,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.018351009115576744},{"word":"my","start":818.0,"end":818.24005,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.005509506911039352},{"word":"how","start":818.4,"end":818.64,"confidence":0.9921875,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.01255185715854168},{"word":"how","start":818.64,"end":818.72003,"confidence":0.8798828,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.008660446852445602},{"word":"much","start":818.72003,"end":818.96,"confidence":0.9970703,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.018209002912044525},{"word":"money","start":818.96,"end":819.12,"confidence":0.9863281,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.028557877987623215},{"word":"right","start":819.12,"end":819.36005,"confidence":0.734375,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.017150048166513443},{"word":"now","start":819.36005,"end":819.52,"confidence":0.9794922,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":0.007034243084490299},{"word":"how","start":819.52,"end":819.68,"confidence":0.9980469,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.0015469584614038467},{"word":"much","start":819.68,"end":819.84,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.009720828384160995},{"word":"sleep","start":819.84,"end":820.08,"confidence":0.30541992,"punctuated_word":"sleep","sentiment":"neutral","sentiment_score":0.01503489911556244},{"word":"do","start":820.08,"end":820.16003,"confidence":0.95410156,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.003986887633800507},{"word":"i","start":820.16003,"end":820.32,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.00609048455953598},{"word":"have","start":820.32,"end":820.48004,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.006201609969139099},{"word":"at","start":820.48004,"end":820.64,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0007605087012052536},{"word":"the","start":820.64,"end":820.72003,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011700784787535667},{"word":"moment","start":820.72003,"end":821.22003,"confidence":0.99853516,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.0144582511857152},{"word":"up","start":823.44,"end":823.60004,"confidence":0.39086914,"punctuated_word":"Up","sentiment":"neutral","sentiment_score":0.01420552097260952},{"word":"there","start":823.60004,"end":823.92004,"confidence":0.7137451,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.014724891632795334},{"word":"a","start":823.92004,"end":824.0,"confidence":0.46044922,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.012907219119369984},{"word":"bit","start":824.0,"end":824.24005,"confidence":0.9873047,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.00640011765062809},{"word":"right","start":824.24005,"end":824.48004,"confidence":0.87060547,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.017378579825162888},{"word":"there","start":824.48004,"end":824.835,"confidence":0.8066406,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.00812610238790512},{"word":"current","start":824.995,"end":825.495,"confidence":0.7849121,"punctuated_word":"Current.","sentiment":"neutral","sentiment_score":0.007198516279459},{"word":"200","start":825.555,"end":826.03503,"confidence":0.98950195,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.013538878411054611},{"word":"and","start":826.03503,"end":826.195,"confidence":0.71191406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0072754742577672},{"word":"16","start":826.195,"end":826.695,"confidence":0.51898193,"punctuated_word":"16,","sentiment":"neutral","sentiment_score":0.008961404673755169},{"word":"237","start":826.755,"end":828.455,"confidence":0.6683594,"punctuated_word":"237.","sentiment":"neutral","sentiment_score":0.013102690689265728},{"word":"up","start":828.835,"end":829.075,"confidence":0.39575195,"punctuated_word":"Up","sentiment":"neutral","sentiment_score":0.01683691330254078},{"word":"there","start":829.075,"end":829.555,"confidence":0.7147217,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0165045615285635},{"word":"and","start":829.555,"end":829.875,"confidence":0.52734375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.021899450570344925},{"word":"30","start":829.875,"end":830.11505,"confidence":0.90283203,"punctuated_word":"30","sentiment":"neutral","sentiment_score":0.02853219397366047},{"word":"seven","start":830.11505,"end":830.61505,"confidence":0.97680664,"punctuated_word":"seven.","sentiment":"neutral","sentiment_score":0.027259085327386856},{"word":"two","start":841.63,"end":842.13,"confidence":0.54351807,"punctuated_word":"Two.","sentiment":"neutral","sentiment_score":0.1809791773557663},{"word":"mhmm","start":1030.835,"end":1031.335,"confidence":0.9536133,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.06987886875867844},{"word":"mhmm","start":1079.7201,"end":1080.2201,"confidence":0.95214844,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1804452538490295},{"word":"yes","start":1092.345,"end":1092.745,"confidence":0.7336426,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.071828693151474},{"word":"i've","start":1092.745,"end":1093.245,"confidence":0.859375,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.05869685858488083},{"word":"got","start":1094.345,"end":1094.825,"confidence":0.9921875,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05276742950081825},{"word":"trx","start":1094.825,"end":1095.325,"confidence":0.80566406,"punctuated_word":"TRX.","sentiment":"neutral","sentiment_score":0.045664042234420776},{"word":"this","start":1095.465,"end":1095.625,"confidence":0.796875,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.05388782173395157},{"word":"is","start":1095.625,"end":1095.785,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04903286695480347},{"word":"chime","start":1095.785,"end":1096.285,"confidence":0.61173505,"punctuated_word":"Chime.","sentiment":"neutral","sentiment_score":0.05933977290987968},{"word":"what","start":1096.345,"end":1096.585,"confidence":0.4260254,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.03327694535255432},{"word":"about","start":1096.585,"end":1096.905,"confidence":0.97998047,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.018851812928915024},{"word":"7","start":1096.905,"end":1097.405,"confidence":0.92822266,"punctuated_word":"7","sentiment":"neutral","sentiment_score":0.02075527049601078},{"word":"4","start":1098.12,"end":1098.52,"confidence":0.31079102,"punctuated_word":"4","sentiment":"neutral","sentiment_score":0.032608792185783386},{"word":"ring","start":1098.52,"end":1098.76,"confidence":0.2454834,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":0.0336737260222435},{"word":"in","start":1098.76,"end":1098.92,"confidence":0.49194336,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02915422804653645},{"word":"that","start":1098.92,"end":1099.08,"confidence":0.76171875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05285382270812988},{"word":"now","start":1099.08,"end":1099.24,"confidence":0.5578613,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.04947078600525856},{"word":"i","start":1099.24,"end":1099.3201,"confidence":0.8803711,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05671778321266174},{"word":"think","start":1099.3201,"end":1099.48,"confidence":0.99609375,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.05112802982330322},{"word":"it","start":1099.48,"end":1099.56,"confidence":0.36401367,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06034146249294281},{"word":"is","start":1099.56,"end":1099.88,"confidence":0.81103516,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.05355048179626465},{"word":"but","start":1099.88,"end":1100.04,"confidence":0.97265625,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.04369407519698143},{"word":"i've","start":1100.04,"end":1100.2001,"confidence":0.99609375,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.060162030160427094},{"word":"got","start":1100.2001,"end":1100.6,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05774757266044617},{"word":"shares","start":1100.6,"end":1101.0,"confidence":0.84814453,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.04074593260884285},{"word":"in","start":1101.0,"end":1101.5,"confidence":0.9873047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.047077689319849014},{"word":"i'll","start":1102.76,"end":1103.26,"confidence":0.83032227,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.06451684236526489},{"word":"i'll","start":1103.64,"end":1103.96,"confidence":0.9375,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.06517796218395233},{"word":"put","start":1103.96,"end":1104.2001,"confidence":0.99316406,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.06571138650178909},{"word":"more","start":1104.2001,"end":1104.4401,"confidence":0.96875,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.0423433780670166},{"word":"money","start":1104.4401,"end":1104.84,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.07072072476148605},{"word":"into","start":1104.84,"end":1105.34,"confidence":0.99609375,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0666334480047226},{"word":"asn","start":1109.16,"end":1109.66,"confidence":0.9526367,"punctuated_word":"ASN,","sentiment":"neutral","sentiment_score":0.04968337342143059},{"word":"which","start":1109.72,"end":1110.04,"confidence":0.99902344,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.049233172088861465},{"word":"is","start":1110.04,"end":1110.28,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04119813069701195},{"word":"ansell","start":1110.28,"end":1110.78,"confidence":0.47176108,"punctuated_word":"Ansell,","sentiment":"neutral","sentiment_score":0.032152242958545685},{"word":"because","start":1113.275,"end":1113.515,"confidence":0.9550781,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.08963489532470703},{"word":"i","start":1113.515,"end":1113.6749,"confidence":0.9301758,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1502293348312378},{"word":"got","start":1113.6749,"end":1113.835,"confidence":0.45996094,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1556698977947235},{"word":"a","start":1113.835,"end":1113.995,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14690527319908142},{"word":"big","start":1113.995,"end":1114.235,"confidence":0.99121094,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.12801866233348846},{"word":"feeling","start":1114.235,"end":1114.715,"confidence":0.9838867,"punctuated_word":"feeling","sentiment":"neutral","sentiment_score":0.1198100969195366},{"word":"that","start":1114.715,"end":1115.115,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1121612936258316},{"word":"in","start":1115.115,"end":1115.355,"confidence":0.40161133,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10394354909658432},{"word":"'27","start":1115.355,"end":1116.075,"confidence":0.9609375,"punctuated_word":"'27","sentiment":"neutral","sentiment_score":0.14485961198806763},{"word":"when","start":1116.075,"end":1116.235,"confidence":0.66552734,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.14966638386249542},{"word":"they","start":1116.235,"end":1116.395,"confidence":0.6977539,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.10318712145090105},{"word":"get","start":1116.395,"end":1116.5549,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1079508364200592},{"word":"their","start":1116.5549,"end":1117.0549,"confidence":0.3725586,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.10376036167144775},{"word":"lg","start":1117.835,"end":1118.335,"confidence":0.86328125,"punctuated_word":"LG,","sentiment":"neutral","sentiment_score":0.1182808354496956},{"word":"they","start":1119.115,"end":1119.595,"confidence":0.7480469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.1296875923871994},{"word":"lift","start":1119.595,"end":1119.835,"confidence":0.19995117,"punctuated_word":"lift","sentiment":"neutral","sentiment_score":0.14117556810379028},{"word":"some","start":1119.835,"end":1120.075,"confidence":0.70458984,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.09189659357070924},{"word":"grade","start":1120.075,"end":1120.475,"confidence":0.8232422,"punctuated_word":"grade","sentiment":"neutral","sentiment_score":0.09473813325166702},{"word":"battery","start":1120.5549,"end":1121.0549,"confidence":0.9614258,"punctuated_word":"battery","sentiment":"neutral","sentiment_score":0.1120535209774971},{"word":"grade","start":1121.115,"end":1121.615,"confidence":0.77075195,"punctuated_word":"grade.","sentiment":"neutral","sentiment_score":0.10409560799598694},{"word":"something","start":1123.515,"end":1123.915,"confidence":0.70751953,"punctuated_word":"Something","sentiment":"neutral","sentiment_score":0.06799733638763428},{"word":"to","start":1123.915,"end":1124.075,"confidence":0.9667969,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06058806926012039},{"word":"do","start":1124.075,"end":1124.235,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0791792944073677},{"word":"with","start":1124.235,"end":1124.735,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08791008591651917},{"word":"lg","start":1125.035,"end":1125.535,"confidence":0.8557129,"punctuated_word":"LG.","sentiment":"neutral","sentiment_score":0.08801112323999405},{"word":"they've","start":1125.595,"end":1125.755,"confidence":0.82958984,"punctuated_word":"They've","sentiment":"neutral","sentiment_score":0.1241212710738182},{"word":"got","start":1125.755,"end":1125.915,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.14282584190368652},{"word":"this","start":1125.915,"end":1126.155,"confidence":0.9614258,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.13300691545009613},{"word":"big","start":1126.155,"end":1126.315,"confidence":0.99121094,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.12760423123836517},{"word":"thing","start":1126.315,"end":1126.475,"confidence":0.98828125,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.155860036611557},{"word":"coming","start":1126.475,"end":1126.795,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.10826389491558076},{"word":"up","start":1126.795,"end":1127.035,"confidence":0.9819336,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0944211557507515},{"word":"in","start":1127.035,"end":1127.275,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08235328644514084},{"word":"'27","start":1127.275,"end":1128.095,"confidence":0.8666992,"punctuated_word":"'27.","sentiment":"neutral","sentiment_score":0.10597562789916992},{"word":"and","start":1129.03,"end":1129.1101,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07418970763683319},{"word":"i'm","start":1129.1101,"end":1129.1901,"confidence":0.95874023,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07504510134458542},{"word":"picking","start":1129.1901,"end":1129.59,"confidence":0.3791504,"punctuated_word":"picking","sentiment":"neutral","sentiment_score":0.06693118810653687},{"word":"shares","start":1129.59,"end":1129.91,"confidence":0.9838867,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.04499329999089241},{"word":"with","start":1129.91,"end":1129.99,"confidence":0.36035156,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.034615688025951385},{"word":"regards","start":1129.99,"end":1130.31,"confidence":0.8730469,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.042173903435468674},{"word":"to","start":1130.31,"end":1130.47,"confidence":0.9741211,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05464668944478035},{"word":"about","start":1130.47,"end":1130.79,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.048685137182474136},{"word":"40","start":1130.79,"end":1131.85,"confidence":0.96569824,"punctuated_word":"40.","sentiment":"neutral","sentiment_score":0.06433262676000595},{"word":"and","start":1132.47,"end":1132.97,"confidence":0.98095703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1720035970211029},{"word":"and","start":1133.35,"end":1133.43,"confidence":0.40625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3250899910926819},{"word":"then","start":1133.43,"end":1133.75,"confidence":0.9790039,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2682403028011322},{"word":"we've","start":1133.75,"end":1134.15,"confidence":0.70410156,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.2592485845088959},{"word":"and","start":1134.15,"end":1134.31,"confidence":0.90283203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19951994717121124},{"word":"then","start":1134.31,"end":1134.47,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1588958203792572},{"word":"we've","start":1134.47,"end":1134.7101,"confidence":0.9797363,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.17444217205047607},{"word":"also","start":1134.7101,"end":1135.11,"confidence":0.9951172,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1946912705898285},{"word":"got","start":1135.11,"end":1135.59,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2331271916627884},{"word":"we've","start":1135.8301,"end":1136.23,"confidence":0.9343262,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.24750183522701263},{"word":"increased","start":1136.23,"end":1136.73,"confidence":0.9970703,"punctuated_word":"increased","sentiment":"neutral","sentiment_score":0.22561314702033997},{"word":"our","start":1136.79,"end":1137.11,"confidence":0.9892578,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.2207108289003372},{"word":"bank","start":1137.11,"end":1137.43,"confidence":0.99902344,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.2775956392288208},{"word":"balance","start":1137.43,"end":1137.75,"confidence":0.94921875,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.21026012301445007},{"word":"to","start":1137.75,"end":1137.99,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2917380928993225},{"word":"a","start":1137.99,"end":1138.0701,"confidence":0.91845703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2429269403219223},{"word":"130","start":1138.0701,"end":1139.05,"confidence":0.99397784,"punctuated_word":"130.","sentiment":"neutral","sentiment_score":0.18101853132247925},{"word":"yep","start":1148.0349,"end":1148.5349,"confidence":0.73291016,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09277477115392684},{"word":"all","start":1148.755,"end":1148.995,"confidence":0.2993164,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.05689389631152153},{"word":"in","start":1148.995,"end":1149.075,"confidence":0.3671875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05870755761861801},{"word":"offset","start":1149.075,"end":1149.575,"confidence":0.7470703,"punctuated_word":"offset.","sentiment":"neutral","sentiment_score":0.08716582506895065},{"word":"i","start":1156.05,"end":1156.29,"confidence":0.9482422,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.029316116124391556},{"word":"had","start":1156.29,"end":1156.6901,"confidence":0.9448242,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.015671711415052414},{"word":"a","start":1156.6901,"end":1156.77,"confidence":0.9316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02042102813720703},{"word":"pay","start":1156.77,"end":1157.01,"confidence":0.6010742,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.009504707530140877},{"word":"rise","start":1157.01,"end":1157.51,"confidence":0.732666,"punctuated_word":"rise.","sentiment":"neutral","sentiment_score":0.010542796924710274},{"word":"i","start":1159.5701,"end":1159.65,"confidence":0.9116211,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.006555749103426933},{"word":"think","start":1159.65,"end":1159.9701,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.008593162521719933},{"word":"it","start":1159.9701,"end":1160.05,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.016100555658340454},{"word":"was","start":1160.05,"end":1160.55,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.016207465901970863},{"word":"end","start":1160.8501,"end":1161.01,"confidence":0.7368164,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.01830868050456047},{"word":"of","start":1161.01,"end":1161.17,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.011937303468585014},{"word":"last","start":1161.17,"end":1161.4901,"confidence":0.9970703,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.01253022626042366},{"word":"year","start":1161.4901,"end":1161.9901,"confidence":0.9909668,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.03882777690887451},{"word":"i'm","start":1166.05,"end":1166.53,"confidence":0.81884766,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.045524924993515015},{"word":"changing","start":1166.53,"end":1167.01,"confidence":0.84765625,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":0.036444105207920074},{"word":"roles","start":1167.01,"end":1167.3301,"confidence":0.97509766,"punctuated_word":"roles","sentiment":"neutral","sentiment_score":0.021492231637239456},{"word":"at","start":1167.3301,"end":1167.41,"confidence":0.9770508,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.036995694041252136},{"word":"work","start":1167.41,"end":1167.81,"confidence":0.7883301,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":0.03545577824115753},{"word":"i","start":1167.81,"end":1167.9701,"confidence":0.7495117,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06394526362419128},{"word":"should","start":1167.9701,"end":1168.2101,"confidence":0.98095703,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.08557520061731339},{"word":"be","start":1168.2101,"end":1168.29,"confidence":0.9741211,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.034564223140478134},{"word":"getting","start":1168.29,"end":1168.53,"confidence":0.87890625,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.02951531484723091},{"word":"a","start":1168.53,"end":1168.6901,"confidence":0.80810547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03447527438402176},{"word":"pay","start":1168.6901,"end":1168.8501,"confidence":0.8691406,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.019456706941127777},{"word":"rise","start":1168.8501,"end":1169.3301,"confidence":0.96240234,"punctuated_word":"rise","sentiment":"neutral","sentiment_score":0.01492832787334919},{"word":"in","start":1169.3301,"end":1169.5701,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01108026783913374},{"word":"the","start":1169.5701,"end":1169.65,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.018115103244781498},{"word":"next","start":1169.65,"end":1169.89,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.024097688496112823},{"word":"few","start":1169.89,"end":1170.05,"confidence":0.9970703,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.023919733241200447},{"word":"months","start":1170.05,"end":1170.55,"confidence":0.9941406,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":0.04800762981176376},{"word":"mhmm","start":1210.585,"end":1210.92,"confidence":0.8707886,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1003103405237198},{"word":"mhmm","start":1254.38,"end":1254.88,"confidence":0.92004395,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.245252788066864},{"word":"mhmm","start":1318.6951,"end":1319.1951,"confidence":0.93444824,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.00690325815230608},{"word":"mhmm","start":1440.7849,"end":1441.2849,"confidence":0.975708,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.08388010412454605},{"word":"i","start":1513.255,"end":1513.415,"confidence":0.8701172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13520735502243042},{"word":"prefer","start":1513.415,"end":1513.8151,"confidence":0.8095703,"punctuated_word":"prefer","sentiment":"neutral","sentiment_score":0.15507346391677856},{"word":"nda","start":1513.8151,"end":1514.3151,"confidence":0.7272949,"punctuated_word":"NDA.","sentiment":"neutral","sentiment_score":0.15531818568706512},{"word":"mhmm","start":1518.775,"end":1519.175,"confidence":0.93408203,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.05975857377052307},{"word":"yeah","start":1519.175,"end":1519.675,"confidence":0.8293457,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09957875311374664},{"word":"mhmm","start":1553.375,"end":1553.875,"confidence":0.9571533,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.14515912532806396},{"word":"no","start":1560.86,"end":1561.1799,"confidence":0.8249512,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.03673547878861427},{"word":"i'm","start":1561.1799,"end":1561.26,"confidence":0.8913574,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.15515586733818054},{"word":"good","start":1561.26,"end":1561.5,"confidence":0.52575684,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.20603147149086},{"word":"i'm","start":1561.5,"end":1561.82,"confidence":0.8569336,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.35828834772109985},{"word":"good","start":1561.82,"end":1562.32,"confidence":0.7675781,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.35136276483535767},{"word":"thank","start":1574.745,"end":1574.985,"confidence":0.3696289,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.566949725151062},{"word":"you","start":1574.985,"end":1575.145,"confidence":0.99609375,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6236227750778198},{"word":"so","start":1575.145,"end":1575.385,"confidence":0.99609375,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.6477194428443909},{"word":"much","start":1575.385,"end":1575.545,"confidence":0.99902344,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.6535340547561646},{"word":"for","start":1575.545,"end":1575.625,"confidence":0.97998047,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6230452656745911},{"word":"your","start":1575.625,"end":1575.7051,"confidence":0.43945312,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6058006882667542},{"word":"time","start":1575.7051,"end":1576.2051,"confidence":0.9880371,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.6634347438812256},{"word":"bye","start":1579.2251,"end":1579.545,"confidence":0.3671875,"punctuated_word":"Bye","sentiment":"neutral","sentiment_score":0.2054358422756195},{"word":"bye","start":1579.545,"end":1580.045,"confidence":0.8466797,"punctuated_word":"bye.","sentiment":"neutral","sentiment_score":0.21392063796520233}],"paragraphs":{"transcript":"\nHi, speaking. Hi. Good. Yourself? Yeah.\n\nVery good. Yes. I do. Yeah. Yeah.\n\nIt's fine. Yeah. You're good. Aaron, that's a new 16 gosh from Crescent Chrome, and that is 12 in section nineteen seventy six. All good.\n\nAll good. Yeah. Mhmm. Mhmm. Yeah.\n\nOpen two years. No. Two years now. It might be two years because we've we've been saving a bit. Mhmm.\n\nYeah. Page 17, did you say? Mhmm. Mhmm. No.\n\nI'm good. Mhmm. Mhmm. Mhmm. Mhmm.\n\nNo. I'm good. So what's my what's my how how much money right now? How much sleep do I have at the moment? Up there, a bit right there.\n\nCurrent. 200 and 16, 237. Up there. And 30 seven. Two.\n\nMhmm. Mhmm. Yes. I've got TRX. This is Chime.\n\nWhat about 7 4 ring in that now, I think it is. But I've got shares in I'll I'll put more money into ASN, which is Ansell, because I got a big feeling that in '27 when they get their LG, they lift some grade battery grade. Something to do with LG. They've got this big thing coming up in '27. And I'm picking shares with regards to about 40.\n\nAnd and then we've and then we've also got we've increased our bank balance to a 130. Yep. All in offset. I had a pay rise. I think it was end of last year.\n\nI'm changing roles at work. I should be getting a pay rise in the next few months. Mhmm. Mhmm. Mhmm.\n\nMhmm. I prefer NDA. Mhmm. Yeah. Mhmm.\n\nNo. I'm good. I'm good. Thank you so much for your time. Bye bye.","paragraphs":[{"sentences":[{"text":"Hi, speaking.","start":0.56,"end":1.22,"sentiment":"neutral","sentiment_score":0.0475449413061142},{"text":"Hi.","start":3.76,"end":4.26,"sentiment":"neutral","sentiment_score":0.10217124223709106},{"text":"Good.","start":8.72,"end":9.04,"sentiment":"positive","sentiment_score":0.4975566864013672},{"text":"Yourself?","start":9.04,"end":9.54,"sentiment":"positive","sentiment_score":0.3587743639945984},{"text":"Yeah.","start":16.035,"end":16.355,"sentiment":"neutral","sentiment_score":0.19231441617012024}],"sentiment":"neutral","sentiment_score":0.20765109856923422,"num_words":6,"start":0.56,"end":16.355},{"sentences":[{"text":"Very good.","start":16.355,"end":17.095,"sentiment":"positive","sentiment_score":0.3934427797794342},{"text":"Yes.","start":22.835,"end":23.235,"sentiment":"neutral","sentiment_score":-0.031082581728696823},{"text":"I do.","start":23.235,"end":23.555,"sentiment":"neutral","sentiment_score":-0.08697577938437462},{"text":"Yeah.","start":23.555,"end":24.055,"sentiment":"neutral","sentiment_score":0.00733576063066721},{"text":"Yeah.","start":39.67,"end":39.91,"sentiment":"neutral","sentiment_score":0.11710739135742188}],"sentiment":"neutral","sentiment_score":0.10089922443564449,"num_words":7,"start":16.355,"end":39.91},{"sentences":[{"text":"It's fine.","start":39.91,"end":40.39,"sentiment":"neutral","sentiment_score":0.16255279630422592},{"text":"Yeah.","start":40.39,"end":40.89,"sentiment":"neutral","sentiment_score":0.2991989254951477},{"text":"You're good.","start":41.19,"end":41.85,"sentiment":"positive","sentiment_score":0.5494072735309601},{"text":"Aaron, that's a new 16 gosh from Crescent Chrome, and that is 12 in section nineteen seventy six.","start":48.415,"end":53.395,"sentiment":"neutral","sentiment_score":0.10706261007322206},{"text":"All good.","start":80.985,"end":81.465,"sentiment":"neutral","sentiment_score":0.2927936017513275}],"sentiment":"neutral","sentiment_score":0.16943332999944688,"num_words":25,"start":39.91,"end":81.465},{"sentences":[{"text":"All good.","start":81.465,"end":82.125,"sentiment":"positive","sentiment_score":0.3384927958250046},{"text":"Yeah.","start":102.165,"end":102.665,"sentiment":"neutral","sentiment_score":0.0460820272564888},{"text":"Mhmm.","start":120.89,"end":121.39,"sentiment":"neutral","sentiment_score":0.018950486555695537},{"text":"Mhmm.","start":139.98,"end":140.48,"sentiment":"neutral","sentiment_score":0.0024634115397930145},{"text":"Yeah.","start":149.91501,"end":150.15501,"sentiment":"neutral","sentiment_score":0.01567600667476654}],"sentiment":"neutral","sentiment_score":0.12669292061279216,"num_words":6,"start":81.465,"end":150.15501},{"sentences":[{"text":"Open two years.","start":150.15501,"end":151.29501,"sentiment":"neutral","sentiment_score":0.0073741838956872625},{"text":"No.","start":151.99501,"end":152.235,"sentiment":"neutral","sentiment_score":-0.059462178498506546},{"text":"Two years now.","start":152.235,"end":152.79501,"sentiment":"neutral","sentiment_score":-0.05049857124686241},{"text":"It might be two years because we've we've been saving a bit.","start":152.79501,"end":155.85501,"sentiment":"neutral","sentiment_score":-0.028009273034210008},{"text":"Mhmm.","start":189.575,"end":190.075,"sentiment":"neutral","sentiment_score":0.10139034688472748}],"sentiment":"neutral","sentiment_score":-0.02117781350389123,"num_words":20,"start":150.15501,"end":190.075},{"sentences":[{"text":"Yeah.","start":210.305,"end":210.625,"sentiment":"neutral","sentiment_score":0.04651205241680145},{"text":"Page 17, did you say?","start":210.625,"end":212.08499,"sentiment":"neutral","sentiment_score":0.03678688183426857},{"text":"Mhmm.","start":215.985,"end":216.485,"sentiment":"neutral","sentiment_score":0.15745511651039124},{"text":"Mhmm.","start":337.35,"end":337.85,"sentiment":"neutral","sentiment_score":-0.004741166718304157},{"text":"No.","start":616.56,"end":616.8,"sentiment":"neutral","sentiment_score":-0.088027723133564}],"sentiment":"neutral","sentiment_score":0.03279252091629638,"num_words":9,"start":210.305,"end":616.8},{"sentences":[{"text":"I'm good.","start":616.8,"end":617.38,"sentiment":"neutral","sentiment_score":-0.01668700762093067},{"text":"Mhmm.","start":702.37,"end":702.87,"sentiment":"neutral","sentiment_score":0.13013362884521484},{"text":"Mhmm.","start":731.04,"end":731.54,"sentiment":"neutral","sentiment_score":0.21235904097557068},{"text":"Mhmm.","start":753.99506,"end":754.47,"sentiment":"neutral","sentiment_score":-0.058842793107032776},{"text":"Mhmm.","start":809.40497,"end":809.90497,"sentiment":"neutral","sentiment_score":0.05253826081752777}],"sentiment":"neutral","sentiment_score":0.05046902038156986,"num_words":6,"start":616.8,"end":809.90497},{"sentences":[{"text":"No.","start":814.0,"end":814.16003,"sentiment":"neutral","sentiment_score":-0.013270862400531769},{"text":"I'm good.","start":814.16003,"end":814.72003,"sentiment":"neutral","sentiment_score":0.07803201302886009},{"text":"So what's my what's my how how much money right now?","start":814.72003,"end":819.52,"sentiment":"neutral","sentiment_score":0.016717918301847847},{"text":"How much sleep do I have at the moment?","start":819.52,"end":821.22003,"sentiment":"neutral","sentiment_score":0.0068363819478286635},{"text":"Up there, a bit right there.","start":823.44,"end":824.835,"sentiment":"neutral","sentiment_score":0.010157032714535793}],"sentiment":"neutral","sentiment_score":0.015488272372247845,"num_words":29,"start":814.0,"end":824.835},{"sentences":[{"text":"Current.","start":824.995,"end":825.495,"sentiment":"neutral","sentiment_score":0.007198516279459},{"text":"200 and 16, 237.","start":825.555,"end":828.455,"sentiment":"neutral","sentiment_score":0.010719612007960677},{"text":"Up there.","start":828.835,"end":829.555,"sentiment":"neutral","sentiment_score":0.01667073741555214},{"text":"And 30 seven.","start":829.555,"end":830.61505,"sentiment":"neutral","sentiment_score":0.02589690995713075},{"text":"Two.","start":841.63,"end":842.13,"sentiment":"neutral","sentiment_score":0.1809791773557663}],"sentiment":"neutral","sentiment_score":0.031098940579051323,"num_words":11,"start":824.995,"end":842.13},{"sentences":[{"text":"Mhmm.","start":1030.835,"end":1031.335,"sentiment":"neutral","sentiment_score":0.06987886875867844},{"text":"Mhmm.","start":1079.7201,"end":1080.2201,"sentiment":"neutral","sentiment_score":0.1804452538490295},{"text":"Yes.","start":1092.345,"end":1092.745,"sentiment":"neutral","sentiment_score":0.071828693151474},{"text":"I've got TRX.","start":1092.745,"end":1095.325,"sentiment":"neutral","sentiment_score":0.05237611010670662},{"text":"This is Chime.","start":1095.465,"end":1096.285,"sentiment":"neutral","sentiment_score":0.05408682053287824}],"sentiment":"neutral","sentiment_score":0.07128240085310406,"num_words":9,"start":1030.835,"end":1096.285},{"sentences":[{"text":"What about 7 4 ring in that now, I think it is.","start":1096.345,"end":1099.88,"sentiment":"neutral","sentiment_score":0.04103192842255036},{"text":"But I've got shares in I'll I'll put more money into ASN, which is Ansell, because I got a big feeling that in '27 when they get their LG, they lift some grade battery grade.","start":1099.88,"end":1121.615,"sentiment":"neutral","sentiment_score":0.09155780375003815},{"text":"Something to do with LG.","start":1123.515,"end":1125.535,"sentiment":"neutral","sentiment_score":0.07673718184232711},{"text":"They've got this big thing coming up in '27.","start":1125.595,"end":1128.095,"sentiment":"neutral","sentiment_score":0.11938136236535178},{"text":"And I'm picking shares with regards to about 40.","start":1129.03,"end":1131.85,"sentiment":"neutral","sentiment_score":0.05617926021416982}],"sentiment":"neutral","sentiment_score":0.08086625406784671,"num_words":70,"start":1096.345,"end":1131.85},{"sentences":[{"text":"And and then we've and then we've also got we've increased our bank balance to a 130.","start":1132.47,"end":1139.05,"sentiment":"neutral","sentiment_score":0.22838964795365052},{"text":"Yep.","start":1148.0349,"end":1148.5349,"sentiment":"neutral","sentiment_score":0.09277477115392684},{"text":"All in offset.","start":1148.755,"end":1149.575,"sentiment":"neutral","sentiment_score":0.06758909299969673},{"text":"I had a pay rise.","start":1156.05,"end":1157.51,"sentiment":"neutral","sentiment_score":0.01709127202630043},{"text":"I think it was end of last year.","start":1159.5701,"end":1161.9901,"sentiment":"neutral","sentiment_score":0.01613261504098773}],"sentiment":"neutral","sentiment_score":0.12919656899483764,"num_words":34,"start":1132.47,"end":1161.9901},{"sentences":[{"text":"I'm changing roles at work.","start":1166.05,"end":1167.81,"sentiment":"neutral","sentiment_score":0.03518254682421684},{"text":"I should be getting a pay rise in the next few months.","start":1167.81,"end":1170.55,"sentiment":"neutral","sentiment_score":0.03397339450505873},{"text":"Mhmm.","start":1210.585,"end":1210.92,"sentiment":"neutral","sentiment_score":0.1003103405237198},{"text":"Mhmm.","start":1254.38,"end":1254.88,"sentiment":"neutral","sentiment_score":0.245252788066864},{"text":"Mhmm.","start":1318.6951,"end":1319.1951,"sentiment":"neutral","sentiment_score":0.00690325815230608}],"sentiment":"neutral","sentiment_score":0.04680299274623394,"num_words":20,"start":1166.05,"end":1319.1951},{"sentences":[{"text":"Mhmm.","start":1440.7849,"end":1441.2849,"sentiment":"neutral","sentiment_score":0.08388010412454605},{"text":"I prefer NDA.","start":1513.255,"end":1514.3151,"sentiment":"neutral","sentiment_score":0.14853300154209137},{"text":"Mhmm.","start":1518.775,"end":1519.175,"sentiment":"neutral","sentiment_score":0.05975857377052307},{"text":"Yeah.","start":1519.175,"end":1519.675,"sentiment":"neutral","sentiment_score":0.09957875311374664},{"text":"Mhmm.","start":1553.375,"end":1553.875,"sentiment":"neutral","sentiment_score":0.14515912532806396}],"sentiment":"neutral","sentiment_score":0.11913936585187912,"num_words":7,"start":1440.7849,"end":1553.875},{"sentences":[{"text":"No.","start":1560.86,"end":1561.1799,"sentiment":"neutral","sentiment_score":0.03673547878861427},{"text":"I'm good.","start":1561.1799,"end":1561.5,"sentiment":"neutral","sentiment_score":0.18059366941452026},{"text":"I'm good.","start":1561.5,"end":1562.32,"sentiment":"positive","sentiment_score":0.35482555627822876},{"text":"Thank you so much for your time.","start":1574.745,"end":1576.2051,"sentiment":"positive","sentiment_score":0.6263009565217155},{"text":"Bye bye.","start":1579.2251,"end":1580.045,"sentiment":"neutral","sentiment_score":0.20967824012041092}],"sentiment":"positive","sentiment_score":0.4222169361476387,"num_words":14,"start":1560.86,"end":1580.045}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi, speaking. Hi.\n\nChannel 0: Hi, Aaron. It's Dana from Mercy Financial. How are you this afternoon?\n\nChannel 1: Good. Yourself?\n\nChannel 0: I'm very well. Thank you. I had you booked in to run through your updated statement of advice. Is now still a good time there for you?\n\nChannel 1: Yeah. Very good.\n\nChannel 0: Yeah. Fantastic. Erin, do you happen to have access to your email, sir, at the moment at all? Or is\n\nChannel 1: Yes. I\n\nChannel 0: Not\n\nChannel 1: do. Yeah.\n\nChannel 0: really. Yeah. Beautiful. What I'll do is I'll send you an email with the statement of advice. So if you've got a chance, you're able to open that up.\n\nThis is easier if we go through it together. Before I jump into the call, I just need to also let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. It's fine. Yeah. You're\n\nChannel 0: Fantastic.\n\nChannel 1: good.\n\nChannel 0: And also just to do security there with you, just to confirm your full name, your date of birth, and address I should have on\n\nChannel 1: Aaron, that's a new 16 gosh from Crescent Chrome, and that is 12 in section nineteen seventy six.\n\nChannel 0: file. Beautiful. Thank you so much for that. And how's your day been so far? Oh, that's good.\n\nGood. I can hear the kids in the background. Everyone's home, Ready for the afternoon? Yeah. Oh, all good.\n\nWell, look, because you do have the kids there, if you do need me to stop at any point, just let me know. I'm happy to take a break and give you a chance to do what you need to, but I'll try to run through this as quickly as I can to make sure I give you the information required. Okay?\n\nChannel 1: All good. All good.\n\nChannel 0: Excellent. Just let me know when the email does happen to pop through. It'll come through from OdooSign, and it'll probably come from my email address. You do? Fantastic.\n\nSo opening that one up, if you press the sign button, it takes you through so you can review the advice document. We do have all the other additional documents attached for you as well. On\n\nChannel 1: Yeah.\n\nChannel 0: the front there, it will state statement of a rash, prepare for yourself as of the 06/24/2026. So all of that advice is valid for sixty days from the date on the document there and has been prepared for myself and my team here at Oakview Financial, and my licensed representative number is 1304394. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Faith, now as you are running through the first couple of pages there, it outlines essentially that the advice has been prepared under the best interest duty, which is part of the corporations act. It's also got the areas that we have scoped in or are providing advice on. So, essentially, one of your, goals was that you're hoping to retire at about eight sixty. You're hoping\n\nChannel 1: Mhmm.\n\nChannel 0: to have the house fully paid off. I believe one of your areas of looking at was that you were planning to sell your investment property and use the funds to pay off your main primary residence\n\nChannel 1: Yeah. Open\n\nChannel 0: in about\n\nChannel 1: two\n\nChannel 0: five\n\nChannel 1: years.\n\nChannel 0: years' time.\n\nChannel 1: No.\n\nChannel 0: Sorry.\n\nChannel 1: Two years now. It might be two years\n\nChannel 0: Two\n\nChannel 1: because we've\n\nChannel 0: years.\n\nChannel 1: we've been saving a bit.\n\nChannel 0: Yeah. Yeah. That's okay. Beautiful. So two years.\n\nBring that forward. That's fantastic. We've also scoped in the insurance side of things. So, essentially, having a look, we do have to retain C Bus to retain the insurances for you, essentially keeping your life and TPD in place as appropriate until you do pay off your mortgage and become fully debt free. And then we may be able to look at consolidating and boosting through for a little bit more from there.\n\nBut for the time being, just looking at what we can do with your super funds, retain your insurances, and just make sure things are working harder for you investment wise there as well. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Excellent. To make it a bit easier for you, if you can just scroll through for me, just down to page number 17. I'll take you through a sense of the bulk of the recommendations, and then I'll go through and explain the last few things for you. This should have the heading there for you. It is recommended investments as of superannuation.\n\nChannel 1: Yeah. Page 17, did you say?\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Mhmm.\n\nChannel 0: Beautiful. So this one here essentially is showing you the updated recommendations there. So I am recommending, as I said, that we do retain CBAS to hold your insurances in place there. Your balance in CBAS was about 37,915 and 56¢ there. So we do just wanna retain CBUS with a minimum amount there to hold your insurances in place and have most of your funds invested within Hub twenty four there in the portfolio working harder for you.\n\nSo we are recommending that you do retain so do roll over the 27,915 and 56¢ there. Retain the 10,000 within C Bus in the current portfolio in C Bus. There's no need to change that investment at the moment, which is fine. Essentially, you'll keep your insurances in place and also keep your contributions going to C Bus there as well, And we'll just make sure we do those rollovers for you pretty regularly. Within hub twenty four, I did go back and review the portfolio looking at how it has been performing and had made us that there had been some underperforming investments and some changes that we did need to make to your portfolio there.\n\nSo, essentially, what I will be looking to do is to sell off the battery and lithium tax. Nothing wrong with it. However, we have found some great out some other investments that have been performing better. It has been a bit of a rough year for battery and lithium tax, but we are looking to sell all of that investment out. And your Australian Benelon equities there as well.\n\nSo that investment has been holding your portfolio back a little bit this year. Essentially, they have been underperforming. So we've decided to remove that out of the portfolio and utilize the Australian BetaShares a 200 for your Australian equities. Essentially, been along they were placed there originally. They were meant to be essentially an active manager that was buying and selling and trying to outperform against the market.\n\nUnfortunately, haven't been able to do so on reviewing your portfolio. When something's underperforming, it shouldn't be there anymore, so it's time to remove that and replace it with an investment that has shown greater past performance to make sure your portfolio is working a bit harder for you. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: We've also got the beta shares bank hybrids in there. Now that is more of a defensive investment, but bank hybrids as an investment vehicle are actually gonna be phased out in the future by the government. So I've taken the step to remove those in the portfolio now. It's better to do it now rather than do it down the track when we have to. Since we're making these changes now, we can incorporate that to make it easier for you.\n\nWe're also gonna keep the physical gold there and increase your exposure. So it has done very, very well. Physical gold had a little bit of a dip in the last few weeks, but it has done very well and has been at a thirty year high. So, essentially, you wanna keep physical gold in your portfolio and just increase your exposure back to about 10% there for you. Cybersecurity has had a bit of an up and down year.\n\nA lot of things have with what's been going on globally there. But cybersecurity is not bad in any way, shape, or form, and we wanna keep that. But you're a little bit overexposed at the moment, so just rebalancing your portfolio and bring your exposure back to 5% with that one. You've got because we're getting rid of the as the bank hybrids, we do need to make sure as you're in a growth portfolio that you do have access to the defensive investments as well. So a growth portfolio is generally 80% in those growth areas, like Australian international shares, listed property, and also commodities like gold and silver, and holding 20% in defensive investments, things like cash, bonds, and fixed interest.\n\nSo because we're getting rid of the bank hybrids there, we're gonna be increasing your exposure into the core composite bonds. They're giving you access to both government and corporate bonds. It also utilizes the ventures and other things a little bit a little bit of global exposure there as well for you. So making sure you've got those defensive investments, bonds are also very good for cash producing. They provide income, which gets distributed into your cash account and then reinvested back into your portfolio as a compounding as well.\n\nSo we'll essentially see 14% of your in in your portfolio investors there. The S and P five hundred, you've got about 26% there at the moment, has had a bit of up and downs with everything going on in the world, but is still a great place to be invested. So just increasing your exposure to 30% there and buying a little bit more. We'll be selling off a VanEck property and removing the beta shares, roughly a 200 as well. Essentially, they haven't done too bad.\n\nHowever, because we are removing Banda Long Australian equities and buying into the a 200, we don't wanna have you overexposed in Australian equities. So we're gonna be altering and removing the Raffy 200 there as well for you. Purchasing into Europe, the European exposure is a great place to be, and the iShares Europe investment gives you exposure to all the European companies sorry, countries and all the companies within that on the exchanges. And also the Japan. So Japan has seen some great growth.\n\nIt is a great place to be invested at the moment, and it's giving you some diversification. And on the point of diversification, making sure that we're diversifying across across as many countries as possible as diversification is one of the best ways to mitigate market risk. We'll be adding in the Vanguard all world excluding The US, and we're excluding The US from this investment because you have the S and P 500 in there. So I don't wanna be overexposed to anywhere particular, But this investment is giving you worldwide expo exposure to all the countries, all the different exchanges, and the top investments in those sorts of exchanges. So looking at existing markets as well as up and coming there as well, This investment has done very, very well, and it's about making sure that we're minimizing as much risk as we possibly can within the market there.\n\nAnd as I mentioned, diversification is one of the best ways to do that for you. Okay? So you'll see 8% invested there in that investment. And then also the beta shares a 200, and that's replacing the Bannalong Australian Equities and, again, giving you greater diversification. So with Bannalong, they essentially invested anywhere between 15 to 35 different investment options depending on what they had in their investment at at that particular time.\n\nWith the BetaShares a 200, you're actually exposed to the top 200 companies on the ASX there, so greater diversification. This is also a passively managed fund, whereas Van Alon was more actively managed. So it's actually also a cheaper investment to have in your portfolio, which is a benefit to you because saving on investment fees leaves more money in your portfolio, working harder for you as well there. That's essentially the changes to the portfolio. I try to go a little bit easier on those.\n\nBut do you have any questions about any of them specifically or any questions about that so far?\n\nChannel 1: No. I'm good.\n\nChannel 0: No. Beautiful. Essentially, the next page outline there that we'll still keep cash in your account. We do need to keep 1.25% cash in the hub twenty four cash account there for you. And if you can get on the page number 20 for me, this is essentially showing the reason for the recommendations there.\n\nNow it is really important that we do sort of note that whenever we do switch investments within your portfolio, there are capital gains consequences. So, essentially, your super fund, just like you do, does a tax return every year, and they have to pay tax as well. Essentially, they pay income tax and CGT tax. So for making the switch of the investments, we do estimate having a look at the research there, your super fund will essentially pay $1,645 in CGT tax. So not too bad to be able to switch those investments for you.\n\nWe are retaining C Bus and Hub twenty four. I did look at the other super funds out there. There is no need to switch out of Hub twenty four. You need to retain Sebas because your insurance is in place there. But hub twenty four is still a great platform.\n\nAnd the idea of if we move to any other platform out there, the capital gains consequences would be much higher. So it is best to retain hub twenty four for now and just do the investment switch. That way, we only have to switch some investments and mitigate some of the tax consequences to a full to a full move, if that makes sense.\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah. Essentially, looking at because we are moving money from C bus and into hub twenty four, we do expect your admin fees to go up to slightly by about $34 for the year. However, by making the changes to the investment portfolio as above your investment fees, if you look at the last column there, it should save you about $588 for the year. So lower fees, which is good. It means that you'll have more money invested working harder for you over the longer term.\n\nStill paying.\n\nChannel 1: Mhmm.\n\nChannel 0: We'll keep your contributions going into hub into C bus. Sorry. No changes there. And your insurance premiums stay payable out of SeaBus as well to make sure your insurances are in place. When you do happen to sell your investment property and you do pay off your mortgage, then we can talk about what your insurance needs are and possibly look at consolidating things there for you as well.\n\nOkay?\n\nChannel 1: Mhmm.\n\nChannel 0: When we look at how the portfolios have performed over the past and the future, so the older portfolio between the two funds, when we look at the rate of debt, it's averaged about 8.52% on the five year rolling out, which was not bad in any way, shape, or form. However, the newer portfolio, you can see, has had a greater past performance, which depending on market conditions, so long as we, you know, see good market conditions or what has happened over the past five years, we can expect greater performance there. And if you're able to obtain that sort of a a return of 10.95% over the course of the next five to ten years, you can see on the next page the projection there. So it can and does place you in a better position moving forward. So we'll just keep reviewing things with you every year, just making sure things are working harder, review the portfolios, and make sure you stay on track there.\n\nBut, essentially, we wanna make sure your sleep is working harder to give you the best possible outcome in retirement. Okay.\n\nChannel 1: Mhmm.\n\nChannel 0: Do you have any questions so far at all?\n\nChannel 1: No. I'm good. So what's my what's my how how much money right now? How much sleep do I have at the moment?\n\nChannel 0: At the moment, and when we did the\n\nChannel 1: Up there,\n\nChannel 0: you've\n\nChannel 1: a bit\n\nChannel 0: got\n\nChannel 1: right\n\nChannel 0: a\n\nChannel 1: there. Current. 200\n\nChannel 0: yeah.\n\nChannel 1: and 16,\n\nChannel 0: Yeah.\n\nChannel 1: 237.\n\nChannel 0: And 30\n\nChannel 1: Up\n\nChannel 0: seven\n\nChannel 1: there.\n\nChannel 0: there.\n\nChannel 1: And\n\nChannel 0: So once\n\nChannel 1: 30\n\nChannel 0: we\n\nChannel 1: seven.\n\nChannel 0: complete this switch, you'll have 10,000 in Cbus and about $242.02 56 in hub 24. Yeah.\n\nChannel 1: Two.\n\nChannel 0: All good. All good. Now one of the things I did talk about looking forward to for you is looking at, obviously, what the projected outcome looks like. You are in your early fifties there. You do have a bit of time before your retirement, but I wanted to sort of see where you are tracking at the moment.\n\nSo if you go down to page number 22, it does essentially show yeah. You're okay. Aaron, did you wanna take a second? You're fine. You're okay?\n\nAll good. It does wanna show that projecting this out for you, you are looking at an income of about $1,000 a week in retirement. That could absolutely change there, but we've considered your asset position at the time. Obviously, you will have sold the investment property there and paid off your mortgage. You're fully debt free as a homeowner and considering any other assets that you do have.\n\nWe do expect you to be able to access some age pension there as well given your current circumstances. That will be reviewed moving forward with you as well. But, essentially, if you are able to access some age pension given your current circumstances and supplement with your super there, we can essentially expect you to be able to draw about forty five thousand six sixty five on a yearly basis. So it is about 6,000 down from where your target income is. You could draw more to get that 52,000.\n\nThis means the super is expected to not last as long as what we've projected at here. But there's other things that we can do. So at the moment, we're just looking at what you've got currently with your two funds, keeping your insurances in place. But moving forward, as we get closer to accessing super, once you are sort of you've sold the investment property, paid your mortgage, often you have a bit of extra free cash flow. We can also look at other areas like increasing contributions in the super.\n\nIf you decide at 60, you're not quite ready to retire, you wanna work a bit longer, there's other strategies that we can put in place there for you well. And also making sure that every year, we review your investments and your returns to see how you're sort of working forward. Obviously, if you get a better return, that 10%, that's just an average of what this portfolio has seen over the past five years. We know that some years, you could get a 20% return, some years, a 5% return, some years, a 10% return. So it's just about working with the market and making sure we're staying on track and trying to get the best possible outcome over the longer term there.\n\nBut moving down down the track, if you are comfortable to do so, it would be worth looking at additional contributions to help boost your super as well. Essentially, thinking that your super is a bit like your car, your contributions and your portfolio essentially are the fuel. And adding those together, it fills your car up a lot faster and helps your portfolio work a little bit harder there as well. The other aspect is the compounding side of things. So we sort of slug our life away to get our sleep up to about that two, two fifty mark.\n\nOnce we get over that $2.02 $5,300,000 mark, essentially, the compounding does increase a little bit more, and you do see those returns increase. So it is something to keep keep monitoring and looking at with you, but I just wanted to sort of show you that with the research, with the changes that we're making here at the moment, this is essentially the forecast and projection that we've got here just so you can sort of see where you're tracking. It'll light at the end of the tunnel, if you might say.\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah. I've also got it in here noting that we are retaining your life and TPD within C Bus for the time being. We'll keep reviewing that with you. Admittedly, you don't have a lot of life and TPD, but given your health, it is important to sort of make sure, you know, where you have the best kind of cover possible. Given your history, we're not able to obtain any new cover elsewhere.\n\nSo it's important just to keep the cover you do have for the time being. But at the moment, you hold about 52,000 in life cover within Cbus and about 26,000 in PPD there. Unfortunately, these covers do decrease as you get older, as the you know, as you get closer to retirement there, but we wanna kinda boost your super. And if you wanted to look at trying to invest in other ways to close that gap, we can also have those conversations with you as well. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Beautiful. One of the things we did sorta look at a while ago was that you did have a bit of cryptocurrency on those shares there. Do you still have those? Did you have they grown, or what have they been doing this year?\n\nChannel 1: Yes. I've got TRX. This is Chime. What about 7\n\nChannel 0: Yeah.\n\nChannel 1: 4 ring in that now, I think it is. But I've got shares in I'll I'll put more money into ASN, which is\n\nChannel 0: Yep.\n\nChannel 1: Ansell,\n\nChannel 0: Yep. Yep.\n\nChannel 1: because I got a big feeling that in '27 when they get their LG, they lift some grade battery grade. Something to do with LG. They've got this big thing coming up in '27. And I'm picking shares with regards to about 40.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: Oh, fantastic.\n\nChannel 1: and then we've and then we've also got we've increased our bank balance to a 130.\n\nChannel 0: Oh, fantastic. Excellent. And that and that's all going towards your offset account to help pay your loan down a little bit. Is that right? That savings?\n\nChannel 1: Yep. All in offset.\n\nChannel 0: Yeah. Yeah. Beautiful. And, hopefully, a pay rise coming up for you as well. Are you due for a pay rise soon?\n\nChannel 1: I had a pay rise. I think it was end of last year.\n\nChannel 0: Yeah. Nice. So hopefully end of this year, another one for you.\n\nChannel 1: I'm changing\n\nChannel 0: Cross\n\nChannel 1: roles\n\nChannel 0: your\n\nChannel 1: at\n\nChannel 0: fingers.\n\nChannel 1: work. I should be getting a\n\nChannel 0: Oh,\n\nChannel 1: pay rise\n\nChannel 0: are you?\n\nChannel 1: in the next few months.\n\nChannel 0: Oh, fantastic. Well, good luck with that. I hope it all goes really well. Keep us updated there. You know, obviously, with a pay rise, it does come with a bit more money.\n\nYou pay a little bit more taxes. Well, unfortunately, the tax penalties are coming no matter what we do. But if you ever you know, if you find you do have a bit of extra cash there that you wanna maybe look at extra contributions, feel free to let me know. Those sorts of things can definitely provide a boost to your super. And starting earlier helps the compounding effect rather than later as well.\n\nAnd something as simple as 20 or $50 a week or a fortnight can make a difference over the next ten years as well. So let me know if it's something you wanna look at or if you find your cash flow allowed for it. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: On page number 24 at the very bottom there, we do have a bit of a different table for you. So the projection shows the current and recommended, and this is exactly the same. However, the difference in the last column is no insurances. So we all have insurances. It's important to have those kinds of cover to protect us in the event that something was to happen.\n\nHowever, this sort of shows you if you didn't have cover, everything was in kind of one place and you still got the same return projected above. Essentially, you could see just a a greater gain in your ten year projection. It's admittedly, it's only minimal. Your insurances aren't that expensive, and so keeping them doesn't have a massive effect there. But we just like to show you the difference.\n\nOkay.\n\nChannel 1: Mhmm.\n\nChannel 0: Excellent. And then at the very end, they're just making sure that we do retain your beneficiaries within CBAS and hub twenty four, making sure that they are applied. We have binding non lapsing for your spouse and binding lapsing within CBAS to your spouse as well. The main difference between those beneficiaries is binding non lapsing means within hub 24. That beneficiary stays in place continuously.\n\nHowever, Cbus only allow a binding lapsing nomination, so it does need to be updated every generally, every three years. What we can do is we have a TPA on file with Cbus, and we'll monitor when that's due and when this the beneficiary is due to lapse. We'll make sure we contact you and have that updated. That way it doesn't lapse. And that way, you know, there's no risk of anything.\n\nYour spouse not being able to get those funds or claim those funds in the event if you're passing away. Keeping in mind, I hope that never happens. I would love to get you to retirement and then see you through retirement there. We don't want anything to happen. This is one of those conversations we do have to have, unfortunately.\n\nOkay?\n\nChannel 1: Mhmm.\n\nChannel 0: And then just also making sure that you do establish your will and beneficiary power of attorney. So, essentially, one of the things we did sort of talk about in the annual review was that you mentioned you don't have a will or power of attorney set up. Your beneficiaries protect your your life insurances and your super. However, everything else that you've worked so hard for, your house, your savings, your cars, everything like that still needs to be protected. And, look, honestly, a lot of people just assume everything goes automatically to their spouse.\n\nAnd while, yes, in most states, that is absolutely true, it does also have to go through a probate process even if it's just you and your spouse or you passed away or she passed away without having a will in place to protect your assets. Everything still has to go through probate, and it can essentially mean that other parties can come forward, people you may not want to, family members you may not have spoken to in years, who can come forward and stake a claim on your assets. I have seen instances where the assets have not been provided to the people that that the the person who passed away wanted them to go to. And while in most instances, everything goes to your wife, there are some cases where a judge of the court system may see or legislation may allow for other parties to be paid out some of your, estate. So it is really important to make sure a will and a power of attorney is done up.\n\nYou can also if you, speak to, like, your local government agencies, they tend to do them fairly cheaply. And we can also send you, if you would like, some information on local solicitor or anywhere else that might do well very cheaply. You can also get a will kit just from the post office as well. I had a look last time. I think they're about $30.\n\nAnd as long as you fill those will kits out correctly for the the prompt, then they can be just as valid as well. But it's just about making sure that everything you've worked hard for is protected and distributed in the event that you're passing to where you want them to go. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah. Beautiful. That's essentially all of the recommendations there. It's a nice easy one for you this afternoon. You are an ongoing client.\n\nYou do pay the ongoing service fees. So all the advice provided, there's no implementation fees for doing any of this. It's all part of our services and just making sure we've updated the advice and recommendations there for you because we had to retain C bus last year. The last advice they didn't allow us to do the rollover, so I wanted to make sure this was updated for you. And, also, just make sure we're reviewing the investments for you regularly as well because the investments provided when you came on board or a couple of years ago may not be appropriate now.\n\nWe wanted to update the the portfolio now because there are some underperforming or changes to the investments, and then we'll keep reviewing those more for you because in another couple of years or another year or two, there may need to be some changes again. So advice is very much fluid. It needs to change as your life changes as well. So it's about making sure we update these for you, and we enjoy putting it together there. As moving forward, did you want me to do I know you do for a review at the end of the year there, but did you wanna do a bit of a catch up in a few months, or are you happy to touch base at the end of the year for your review?\n\nWhat would you like, Aaron?\n\nChannel 1: I prefer NDA.\n\nChannel 0: And does a year just once a year make it nice and simple for you?\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: Yeah. Beautiful. Not an issue at all. Well, look. I've got the document there for you with all the product disclosure statements, our financial services guide, and any other additional documents required.\n\nFeel free to run your eyes over that one. Have a bit of a look. If you do decide to take on the recommendations, we'll get you to sign and return it back so we can have the investment switch completed nice and easily for you. If you do find you have any questions, please let me know. I've outlined some of the advantages, disadvantages, risks, and things involved, and there's others noted there for you to run your eyes over as well.\n\nOkay.\n\nChannel 1: Mhmm.\n\nChannel 0: All good. Do you have any questions or anything you wanted me to look at or anything you wanted to ask while you've got me here at all?\n\nChannel 1: No. I'm good. I'm good.\n\nChannel 0: Yeah. All good. Well, I will let you go. You're probably ready to have a good afternoon and sit down and put your feet up, so I'll let you go to do that. I appreciate your time this afternoon, and let me know if there's anything you need.\n\nOkay?\n\nChannel 1: Thank you so much for your time.\n\nChannel 0: No worries. Thanks, Aaron. Talk soon. See you later.\n\nChannel 1: Bye bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi, speaking.","start":0.56,"end":1.22,"sentiment":"neutral","sentiment_score":0.0475449413061142},{"text":"Hi.","start":3.76,"end":4.26,"sentiment":"neutral","sentiment_score":0.10217124223709106}],"sentiment":"neutral","sentiment_score":0.06575370828310649,"channel":1,"num_words":3,"start":0.56,"end":4.26},{"sentences":[{"text":"Hi, Aaron.","start":4.96,"end":5.68,"sentiment":"neutral","sentiment_score":0.19292857497930527},{"text":"It's Dana from Mercy Financial.","start":5.68,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.21753784716129304},{"text":"How are you this afternoon?","start":7.3599997,"end":8.58,"sentiment":"neutral","sentiment_score":0.28856922388076783}],"sentiment":"neutral","sentiment_score":0.24303270876407623,"channel":0,"num_words":12,"start":4.96,"end":8.58},{"sentences":[{"text":"Good.","start":8.72,"end":9.04,"sentiment":"positive","sentiment_score":0.4975566864013672},{"text":"Yourself?","start":9.04,"end":9.54,"sentiment":"positive","sentiment_score":0.3587743639945984}],"sentiment":"positive","sentiment_score":0.4281655251979828,"channel":1,"num_words":2,"start":8.72,"end":9.54},{"sentences":[{"text":"I'm very well.","start":10.0,"end":10.88,"sentiment":"positive","sentiment_score":0.6799117128054301},{"text":"Thank you.","start":10.88,"end":11.28,"sentiment":"positive","sentiment_score":0.7089520990848541},{"text":"I had you booked in to run through your updated statement of advice.","start":11.28,"end":14.0,"sentiment":"neutral","sentiment_score":0.31892311573028564},{"text":"Is now still a good time there for you?","start":14.0,"end":15.975,"sentiment":"neutral","sentiment_score":0.29210210343201953}],"sentiment":"positive","sentiment_score":0.37898365822103286,"channel":0,"num_words":27,"start":10.0,"end":15.975},{"sentences":[{"text":"Yeah.","start":16.035,"end":16.355,"sentiment":"neutral","sentiment_score":0.19231441617012024},{"text":"Very good.","start":16.355,"end":17.095,"sentiment":"positive","sentiment_score":0.3934427797794342}],"sentiment":"neutral","sentiment_score":0.3263999919096629,"channel":1,"num_words":3,"start":16.035,"end":17.095},{"sentences":[{"text":"Yeah.","start":17.415,"end":17.895,"sentiment":"neutral","sentiment_score":0.2447200119495392},{"text":"Fantastic.","start":17.895,"end":18.395,"sentiment":"positive","sentiment_score":0.48182135820388794},{"text":"Erin, do you happen to have access to your email, sir, at the moment at all?","start":18.695,"end":21.655,"sentiment":"neutral","sentiment_score":0.058373924694024026},{"text":"Or is","start":21.655,"end":22.135,"sentiment":"neutral","sentiment_score":-0.014805459417402744}],"sentiment":"neutral","sentiment_score":0.0815456623211503,"channel":0,"num_words":20,"start":17.415,"end":22.135},{"sentences":[{"text":"Yes.","start":22.835,"end":23.235,"sentiment":"neutral","sentiment_score":-0.031082581728696823},{"text":"I","start":23.235,"end":23.314999,"sentiment":"neutral","sentiment_score":-0.0915338546037674}],"sentiment":"neutral","sentiment_score":-0.06130821816623211,"channel":1,"num_words":2,"start":22.835,"end":23.314999},{"sentences":[{"text":"Not","start":23.255001,"end":23.575,"sentiment":"neutral","sentiment_score":-0.17859695851802826}],"sentiment":"neutral","sentiment_score":-0.17859695851802826,"channel":0,"num_words":1,"start":23.255001,"end":23.575},{"sentences":[{"text":"do.","start":23.314999,"end":23.555,"sentiment":"neutral","sentiment_score":-0.08241770416498184},{"text":"Yeah.","start":23.555,"end":24.055,"sentiment":"neutral","sentiment_score":0.00733576063066721}],"sentiment":"neutral","sentiment_score":-0.037540971767157316,"channel":1,"num_words":2,"start":23.314999,"end":24.055},{"sentences":[{"text":"really.","start":23.575,"end":24.075,"sentiment":"neutral","sentiment_score":0.013368706218898296},{"text":"Yeah.","start":24.295,"end":24.695,"sentiment":"neutral","sentiment_score":0.1364438235759735},{"text":"Beautiful.","start":24.695,"end":25.195,"sentiment":"positive","sentiment_score":0.3800959587097168},{"text":"What I'll do is I'll send you an email with the statement of advice.","start":25.415,"end":27.895,"sentiment":"neutral","sentiment_score":0.1723159466470991},{"text":"So if you've got a chance, you're able to open that up.","start":27.895,"end":29.815,"sentiment":"neutral","sentiment_score":0.19306810448567072}],"sentiment":"neutral","sentiment_score":0.18134996535834566,"channel":0,"num_words":29,"start":23.575,"end":29.815},{"sentences":[{"text":"This is easier if we go through it together.","start":29.815,"end":31.675,"sentiment":"neutral","sentiment_score":0.25138933459917706},{"text":"Before I jump into the call, I just need to also let you know we do record our calls for quality and training purposes.","start":32.27,"end":37.469997,"sentiment":"neutral","sentiment_score":0.0781435511695842},{"text":"Are you happy for me to proceed with that?","start":37.469997,"end":39.649998,"sentiment":"neutral","sentiment_score":0.12769166297382778}],"sentiment":"neutral","sentiment_score":0.12588510014826343,"channel":0,"num_words":42,"start":29.815,"end":39.649998},{"sentences":[{"text":"Yeah.","start":39.67,"end":39.91,"sentiment":"neutral","sentiment_score":0.11710739135742188},{"text":"It's fine.","start":39.91,"end":40.39,"sentiment":"neutral","sentiment_score":0.16255279630422592},{"text":"Yeah.","start":40.39,"end":40.89,"sentiment":"neutral","sentiment_score":0.2991989254951477},{"text":"You're","start":41.19,"end":41.35,"sentiment":"positive","sentiment_score":0.5700910091400146}],"sentiment":"neutral","sentiment_score":0.2623005837202072,"channel":1,"num_words":5,"start":39.67,"end":41.35},{"sentences":[{"text":"Fantastic.","start":41.23,"end":41.73,"sentiment":"positive","sentiment_score":0.704848051071167}],"sentiment":"positive","sentiment_score":0.704848051071167,"channel":0,"num_words":1,"start":41.23,"end":41.73},{"sentences":[{"text":"good.","start":41.35,"end":41.85,"sentiment":"positive","sentiment_score":0.5287235379219055}],"sentiment":"positive","sentiment_score":0.5287235379219055,"channel":1,"num_words":1,"start":41.35,"end":41.85},{"sentences":[{"text":"And also just to do security there with you, just to confirm your full name, your date of birth, and address I should have on","start":42.19,"end":47.685,"sentiment":"neutral","sentiment_score":0.14537519514560698}],"sentiment":"neutral","sentiment_score":0.14537519514560698,"channel":0,"num_words":25,"start":42.19,"end":47.685},{"sentences":[{"text":"Aaron, that's a new 16 gosh from Crescent Chrome, and that is 12 in section nineteen seventy six.","start":48.415,"end":53.395,"sentiment":"neutral","sentiment_score":0.10706261007322206}],"sentiment":"neutral","sentiment_score":0.10706261007322206,"channel":1,"num_words":18,"start":48.415,"end":53.395},{"sentences":[{"text":"file.","start":53.685,"end":53.845,"sentiment":"neutral","sentiment_score":0.07883448898792267},{"text":"Beautiful.","start":53.845,"end":54.345,"sentiment":"positive","sentiment_score":0.47643959522247314},{"text":"Thank you so much for that.","start":54.405003,"end":55.685,"sentiment":"positive","sentiment_score":0.5944988628228506},{"text":"And how's your day been so far?","start":55.685,"end":57.545002,"sentiment":"positive","sentiment_score":0.36412552850587027},{"text":"Oh, that's good.","start":59.365,"end":60.585,"sentiment":"neutral","sentiment_score":0.28068970640500385}],"sentiment":"positive","sentiment_score":0.4174008377724224,"channel":0,"num_words":18,"start":53.685,"end":60.585},{"sentences":[{"text":"Good.","start":60.805,"end":61.045002,"sentiment":"neutral","sentiment_score":0.31833264231681824},{"text":"I can hear the kids in the background.","start":61.045002,"end":62.485,"sentiment":"neutral","sentiment_score":0.17819596640765667},{"text":"Everyone's home, Ready for the afternoon?","start":62.485,"end":64.88,"sentiment":"neutral","sentiment_score":0.10225143035252889},{"text":"Yeah.","start":67.9,"end":68.4,"sentiment":"neutral","sentiment_score":0.10751719772815704},{"text":"Oh, all good.","start":68.86,"end":69.34,"sentiment":"neutral","sentiment_score":0.20147206882635751}],"sentiment":"neutral","sentiment_score":0.16154433473160393,"channel":0,"num_words":19,"start":60.805,"end":69.34},{"sentences":[{"text":"Well, look, because you do have the kids there, if you do need me to stop at any point, just let me know.","start":69.34,"end":73.34,"sentiment":"neutral","sentiment_score":0.11952168753613597},{"text":"I'm happy to take a break and give you a chance to do what you need to, but I'll try to run through this as quickly as I can to make sure I give you the information required.","start":73.34,"end":80.435,"sentiment":"neutral","sentiment_score":0.23218698015338496},{"text":"Okay?","start":80.575,"end":81.075,"sentiment":"neutral","sentiment_score":0.1431260108947754}],"sentiment":"neutral","sentiment_score":0.18895532371055695,"channel":0,"num_words":62,"start":69.34,"end":81.075},{"sentences":[{"text":"All good.","start":80.985,"end":81.465,"sentiment":"neutral","sentiment_score":0.2927936017513275},{"text":"All good.","start":81.465,"end":82.125,"sentiment":"positive","sentiment_score":0.3384927958250046}],"sentiment":"neutral","sentiment_score":0.31564319878816605,"channel":1,"num_words":4,"start":80.985,"end":82.125},{"sentences":[{"text":"Excellent.","start":82.575,"end":83.075,"sentiment":"positive","sentiment_score":0.47035375237464905},{"text":"Just let me know when the email does happen to pop through.","start":83.615,"end":86.015,"sentiment":"neutral","sentiment_score":0.20038802176713943},{"text":"It'll come through from OdooSign, and it'll probably come from my email address.","start":86.015,"end":89.715,"sentiment":"neutral","sentiment_score":0.1611504629254341},{"text":"You do?","start":91.23,"end":91.79,"sentiment":"neutral","sentiment_score":0.09706544876098633},{"text":"Fantastic.","start":91.79,"end":92.29,"sentiment":"neutral","sentiment_score":0.029251087456941605}],"sentiment":"neutral","sentiment_score":0.1790809660893062,"channel":0,"num_words":29,"start":82.575,"end":92.29},{"sentences":[{"text":"So opening that one up, if you press the sign button, it takes you through so you can review the advice document.","start":93.07,"end":97.95,"sentiment":"neutral","sentiment_score":0.07588714344257658},{"text":"We do have all the other additional documents attached for you as well.","start":97.95,"end":101.49,"sentiment":"neutral","sentiment_score":0.0942723060456606},{"text":"On","start":102.11,"end":102.27,"sentiment":"neutral","sentiment_score":0.04986712336540222}],"sentiment":"neutral","sentiment_score":0.08180345160265763,"channel":0,"num_words":36,"start":93.07,"end":102.27},{"sentences":[{"text":"Yeah.","start":102.165,"end":102.665,"sentiment":"neutral","sentiment_score":0.0460820272564888}],"sentiment":"neutral","sentiment_score":0.0460820272564888,"channel":1,"num_words":1,"start":102.165,"end":102.665},{"sentences":[{"text":"the front there, it will state statement of a rash, prepare for yourself as of the 06/24/2026.","start":102.27,"end":107.66499,"sentiment":"neutral","sentiment_score":0.03138134743580047},{"text":"So all of that advice is valid for sixty days from the date on the document there and has been prepared for myself and my team here at Oakview Financial, and my licensed representative number is 1304394.","start":107.66499,"end":119.104996,"sentiment":"neutral","sentiment_score":0.07960999465069256},{"text":"Okay?","start":119.104996,"end":119.604996,"sentiment":"neutral","sentiment_score":0.02974553219974041}],"sentiment":"neutral","sentiment_score":0.06379633164879951,"channel":0,"num_words":55,"start":102.27,"end":119.604996},{"sentences":[{"text":"Mhmm.","start":120.89,"end":121.39,"sentiment":"neutral","sentiment_score":0.018950486555695537}],"sentiment":"neutral","sentiment_score":0.018950486555695537,"channel":1,"num_words":1,"start":120.89,"end":121.39},{"sentences":[{"text":"Faith, now as you are running through the first couple of pages there, it outlines essentially that the advice has been prepared under the best interest duty, which is part of the corporations act.","start":121.88,"end":130.3,"sentiment":"neutral","sentiment_score":0.03264963544686051},{"text":"It's also got the areas that we have scoped in or are providing advice on.","start":130.51999,"end":134.505,"sentiment":"neutral","sentiment_score":0.04100251557926337},{"text":"So, essentially, one of your, goals was that you're hoping to retire at about eight sixty.","start":134.505,"end":139.24501,"sentiment":"neutral","sentiment_score":0.013683828932698816},{"text":"You're hoping","start":139.625,"end":140.10501,"sentiment":"neutral","sentiment_score":0.000037291436456143856}],"sentiment":"neutral","sentiment_score":0.029017032607138823,"channel":0,"num_words":67,"start":121.88,"end":140.10501},{"sentences":[{"text":"Mhmm.","start":139.98,"end":140.48,"sentiment":"neutral","sentiment_score":0.0024634115397930145}],"sentiment":"neutral","sentiment_score":0.0024634115397930145,"channel":1,"num_words":1,"start":139.98,"end":140.48},{"sentences":[{"text":"to have the house fully paid off.","start":140.10501,"end":141.96501,"sentiment":"neutral","sentiment_score":-0.030756810946123942},{"text":"I believe one of your areas of looking at was that you were planning to sell your investment property and use the funds to pay off your main primary residence","start":142.345,"end":149.72,"sentiment":"neutral","sentiment_score":0.002797938883304596}],"sentiment":"neutral","sentiment_score":-0.003550257030371073,"channel":0,"num_words":37,"start":140.10501,"end":149.72},{"sentences":[{"text":"Yeah.","start":149.91501,"end":150.15501,"sentiment":"neutral","sentiment_score":0.01567600667476654},{"text":"Open","start":150.15501,"end":150.55501,"sentiment":"neutral","sentiment_score":0.00596209242939949}],"sentiment":"neutral","sentiment_score":0.010819049552083015,"channel":1,"num_words":2,"start":149.91501,"end":150.55501},{"sentences":[{"text":"in about","start":150.18001,"end":150.66,"sentiment":"neutral","sentiment_score":0.007157586514949799}],"sentiment":"neutral","sentiment_score":0.007157586514949799,"channel":0,"num_words":2,"start":150.18001,"end":150.66},{"sentences":[{"text":"two","start":150.55501,"end":150.79501,"sentiment":"neutral","sentiment_score":0.011911695823073387}],"sentiment":"neutral","sentiment_score":0.011911695823073387,"channel":1,"num_words":1,"start":150.55501,"end":150.79501},{"sentences":[{"text":"five","start":150.66,"end":150.90001,"sentiment":"neutral","sentiment_score":0.00830131396651268}],"sentiment":"neutral","sentiment_score":0.00830131396651268,"channel":0,"num_words":1,"start":150.66,"end":150.90001},{"sentences":[{"text":"years.","start":150.79501,"end":151.29501,"sentiment":"neutral","sentiment_score":0.004248763434588909}],"sentiment":"neutral","sentiment_score":0.004248763434588909,"channel":1,"num_words":1,"start":150.79501,"end":151.29501},{"sentences":[{"text":"years' time.","start":150.90001,"end":151.8,"sentiment":"neutral","sentiment_score":-0.006024853093549609}],"sentiment":"neutral","sentiment_score":-0.006024853093549609,"channel":0,"num_words":2,"start":150.90001,"end":151.8},{"sentences":[{"text":"No.","start":151.99501,"end":152.235,"sentiment":"neutral","sentiment_score":-0.059462178498506546}],"sentiment":"neutral","sentiment_score":-0.059462178498506546,"channel":1,"num_words":1,"start":151.99501,"end":152.235},{"sentences":[{"text":"Sorry.","start":152.1,"end":152.6,"sentiment":"neutral","sentiment_score":-0.06704528629779816}],"sentiment":"neutral","sentiment_score":-0.06704528629779816,"channel":0,"num_words":1,"start":152.1,"end":152.6},{"sentences":[{"text":"Two years now.","start":152.235,"end":152.79501,"sentiment":"neutral","sentiment_score":-0.05049857124686241},{"text":"It might be two years","start":152.79501,"end":153.91501,"sentiment":"neutral","sentiment_score":-0.036503275483846666}],"sentiment":"neutral","sentiment_score":-0.04175151139497757,"channel":1,"num_words":8,"start":152.235,"end":153.91501},{"sentences":[{"text":"Two","start":153.86,"end":154.18001,"sentiment":"neutral","sentiment_score":-0.0255176592618227}],"sentiment":"neutral","sentiment_score":-0.0255176592618227,"channel":0,"num_words":1,"start":153.86,"end":154.18001},{"sentences":[{"text":"because we've","start":153.91501,"end":154.55501,"sentiment":"neutral","sentiment_score":-0.02545931190252304}],"sentiment":"neutral","sentiment_score":-0.02545931190252304,"channel":1,"num_words":2,"start":153.91501,"end":154.55501},{"sentences":[{"text":"years.","start":154.18001,"end":154.68001,"sentiment":"neutral","sentiment_score":-0.03142814710736275}],"sentiment":"neutral","sentiment_score":-0.03142814710736275,"channel":0,"num_words":1,"start":154.18001,"end":154.68001},{"sentences":[{"text":"we've been saving a bit.","start":154.55501,"end":155.85501,"sentiment":"neutral","sentiment_score":-0.020535255037248134}],"sentiment":"neutral","sentiment_score":-0.020535255037248134,"channel":1,"num_words":5,"start":154.55501,"end":155.85501},{"sentences":[{"text":"Yeah.","start":155.78001,"end":156.18001,"sentiment":"neutral","sentiment_score":0.08142971992492676},{"text":"Yeah.","start":156.18001,"end":156.5,"sentiment":"neutral","sentiment_score":0.1211547553539276},{"text":"That's okay.","start":156.5,"end":157.3,"sentiment":"neutral","sentiment_score":0.27468225359916687},{"text":"Beautiful.","start":157.3,"end":157.8,"sentiment":"positive","sentiment_score":0.5862810611724854},{"text":"So two years.","start":157.86,"end":158.66,"sentiment":"neutral","sentiment_score":0.33239709337552387}],"sentiment":"neutral","sentiment_score":0.29192766547203064,"channel":0,"num_words":8,"start":155.78001,"end":158.66},{"sentences":[{"text":"Bring that forward.","start":158.66,"end":159.46,"sentiment":"positive","sentiment_score":0.4643888870875041},{"text":"That's fantastic.","start":159.46,"end":160.20001,"sentiment":"positive","sentiment_score":0.7565315663814545},{"text":"We've also scoped in the insurance side of things.","start":162.30501,"end":164.46501,"sentiment":"neutral","sentiment_score":0.24833969440725115},{"text":"So, essentially, having a look, we do have to retain C Bus to retain the insurances for you, essentially keeping your life and TPD in place as appropriate until you do pay off your mortgage and become fully debt free.","start":164.46501,"end":175.71,"sentiment":"neutral","sentiment_score":0.1770982101559639},{"text":"And then we may be able to look at consolidating and boosting through for a little bit more from there.","start":175.87001,"end":179.95001,"sentiment":"neutral","sentiment_score":0.17773438505828382}],"sentiment":"neutral","sentiment_score":0.2132419344742556,"channel":0,"num_words":74,"start":158.66,"end":179.95001},{"sentences":[{"text":"But for the time being, just looking at what we can do with your super funds, retain your insurances, and just make sure things are working harder for you investment wise there as well.","start":179.95001,"end":188.11,"sentiment":"neutral","sentiment_score":0.08438632560565192},{"text":"Okay?","start":188.11,"end":188.61,"sentiment":"neutral","sentiment_score":0.0772930383682251}],"sentiment":"neutral","sentiment_score":0.08418366025601115,"channel":0,"num_words":35,"start":179.95001,"end":188.61},{"sentences":[{"text":"Mhmm.","start":189.575,"end":190.075,"sentiment":"neutral","sentiment_score":0.10139034688472748}],"sentiment":"neutral","sentiment_score":0.10139034688472748,"channel":1,"num_words":1,"start":189.575,"end":190.075},{"sentences":[{"text":"Excellent.","start":190.635,"end":191.135,"sentiment":"neutral","sentiment_score":0.004259692505002022},{"text":"To make it a bit easier for you, if you can just scroll through for me, just down to page number 17.","start":191.435,"end":196.815,"sentiment":"neutral","sentiment_score":0.16104603524912486},{"text":"I'll take you through a sense of the bulk of the recommendations, and then I'll go through and explain the last few things for you.","start":196.875,"end":203.37,"sentiment":"neutral","sentiment_score":0.21917193293571471},{"text":"This should have the heading there for you.","start":203.84999,"end":205.93,"sentiment":"neutral","sentiment_score":0.22178582474589348},{"text":"It is recommended investments as of superannuation.","start":205.93,"end":208.51,"sentiment":"neutral","sentiment_score":0.11948799980538231}],"sentiment":"neutral","sentiment_score":0.18471862520608637,"channel":0,"num_words":63,"start":190.635,"end":208.51},{"sentences":[{"text":"Yeah.","start":210.305,"end":210.625,"sentiment":"neutral","sentiment_score":0.04651205241680145},{"text":"Page 17, did you say?","start":210.625,"end":212.08499,"sentiment":"neutral","sentiment_score":0.03678688183426857}],"sentiment":"neutral","sentiment_score":0.03840774359802405,"channel":1,"num_words":6,"start":210.305,"end":212.08499},{"sentences":[{"text":"Yeah.","start":212.65,"end":213.15,"sentiment":"neutral","sentiment_score":0.059232499450445175},{"text":"Yeah.","start":213.20999,"end":213.70999,"sentiment":"neutral","sentiment_score":0.09084638953208923}],"sentiment":"neutral","sentiment_score":0.0750394444912672,"channel":0,"num_words":2,"start":212.65,"end":213.70999},{"sentences":[{"text":"Mhmm.","start":215.985,"end":216.485,"sentiment":"neutral","sentiment_score":0.15745511651039124}],"sentiment":"neutral","sentiment_score":0.15745511651039124,"channel":1,"num_words":1,"start":215.985,"end":216.485},{"sentences":[{"text":"Beautiful.","start":217.305,"end":217.805,"sentiment":"positive","sentiment_score":0.5157897472381592},{"text":"So this one here essentially is showing you the updated recommendations there.","start":218.50499,"end":221.86499,"sentiment":"neutral","sentiment_score":0.2537808492779732},{"text":"So I am recommending, as I said, that we do retain CBAS to hold your insurances in place there.","start":221.86499,"end":226.685,"sentiment":"neutral","sentiment_score":0.1921401188561791},{"text":"Your balance in CBAS was about 37,915 and 56¢ there.","start":226.905,"end":231.7,"sentiment":"neutral","sentiment_score":0.1735906187031004},{"text":"So we do just wanna retain CBUS with a minimum amount there to hold your insurances in place and have most of your funds invested within Hub twenty four there in the portfolio working harder for you.","start":231.7,"end":242.28,"sentiment":"neutral","sentiment_score":0.29470984959924545}],"sentiment":"neutral","sentiment_score":0.2522872076966824,"channel":0,"num_words":79,"start":217.305,"end":242.28},{"sentences":[{"text":"So we are recommending that you do retain so do roll over the 27,915 and 56¢ there.","start":242.42,"end":248.935,"sentiment":"neutral","sentiment_score":0.2517064241692424},{"text":"Retain the 10,000 within C Bus in the current portfolio in C Bus.","start":248.935,"end":252.855,"sentiment":"neutral","sentiment_score":0.2976938050526839},{"text":"There's no need to change that investment at the moment, which is fine.","start":252.855,"end":255.995,"sentiment":"neutral","sentiment_score":0.24874374843560731},{"text":"Essentially, you'll keep your insurances in place and also keep your contributions going to C Bus there as well, And we'll just make sure we do those rollovers for you pretty regularly.","start":256.615,"end":266.12003,"sentiment":"positive","sentiment_score":0.33425930328667164},{"text":"Within hub twenty four, I did go back and review the portfolio looking at how it has been performing and had made us that there had been some underperforming investments and some changes that we did need to make to your portfolio there.","start":266.82,"end":277.515,"sentiment":"neutral","sentiment_score":-0.1243559974570607}],"sentiment":"neutral","sentiment_score":0.1408545367228679,"channel":0,"num_words":118,"start":242.42,"end":277.515},{"sentences":[{"text":"So, essentially, what I will be looking to do is to sell off the battery and lithium tax.","start":278.075,"end":282.475,"sentiment":"neutral","sentiment_score":-0.19949446535772747},{"text":"Nothing wrong with it.","start":282.475,"end":283.355,"sentiment":"neutral","sentiment_score":-0.01693468913435936},{"text":"However, we have found some great out some other investments that have been performing better.","start":283.355,"end":288.89502,"sentiment":"neutral","sentiment_score":0.13547879904508592},{"text":"It has been a bit of a rough year for battery and lithium tax, but we are looking to sell all of that investment out.","start":289.355,"end":294.32,"sentiment":"neutral","sentiment_score":-0.24743944376707078},{"text":"And your Australian Benelon equities there as well.","start":294.54,"end":296.86,"sentiment":"neutral","sentiment_score":-0.13717242795974016}],"sentiment":"neutral","sentiment_score":-0.12728318093078478,"channel":0,"num_words":70,"start":278.075,"end":296.86},{"sentences":[{"text":"So that investment has been holding your portfolio back a little bit this year.","start":296.86,"end":300.47998,"sentiment":"negative","sentiment_score":-0.5552114801747459},{"text":"Essentially, they have been underperforming.","start":300.86,"end":302.24,"sentiment":"negative","sentiment_score":-0.4386781305074692},{"text":"So we've decided to remove that out of the portfolio and utilize the Australian BetaShares a 200 for your Australian equities.","start":302.53998,"end":309.935,"sentiment":"neutral","sentiment_score":0.05033794772766885},{"text":"Essentially, been along they were placed there originally.","start":310.795,"end":314.095,"sentiment":"neutral","sentiment_score":0.0493414462544024},{"text":"They were meant to be essentially an active manager that was buying and selling and trying to outperform against the market.","start":314.95502,"end":321.26,"sentiment":"neutral","sentiment_score":0.15008607435794102}],"sentiment":"neutral","sentiment_score":-0.07772051219059073,"channel":0,"num_words":69,"start":296.86,"end":321.26},{"sentences":[{"text":"Unfortunately, haven't been able to do so on reviewing your portfolio.","start":321.32,"end":325.16,"sentiment":"negative","sentiment_score":-0.47922407767989417},{"text":"When something's underperforming, it shouldn't be there anymore, so it's time to remove that and replace it with an investment that has shown greater past performance to make sure your portfolio is working a bit harder for you.","start":325.16,"end":335.875,"sentiment":"neutral","sentiment_score":-0.3290537587906185},{"text":"Okay?","start":335.935,"end":336.435,"sentiment":"neutral","sentiment_score":-0.058249425143003464}],"sentiment":"negative","sentiment_score":-0.3566751422733068,"channel":0,"num_words":50,"start":321.32,"end":336.435},{"sentences":[{"text":"Mhmm.","start":337.35,"end":337.85,"sentiment":"neutral","sentiment_score":-0.004741166718304157}],"sentiment":"neutral","sentiment_score":-0.004741166718304157,"channel":1,"num_words":1,"start":337.35,"end":337.85},{"sentences":[{"text":"We've also got the beta shares bank hybrids in there.","start":337.85498,"end":340.895,"sentiment":"neutral","sentiment_score":0.047994278743863104},{"text":"Now that is more of a defensive investment, but bank hybrids as an investment vehicle are actually gonna be phased out in the future by the government.","start":340.895,"end":347.69498,"sentiment":"neutral","sentiment_score":-0.007851116635181286},{"text":"So I've taken the step to remove those in the portfolio now.","start":347.69498,"end":351.0,"sentiment":"neutral","sentiment_score":0.010165938486655554},{"text":"It's better to do it now rather than do it down the track when we have to.","start":351.0,"end":355.02,"sentiment":"neutral","sentiment_score":0.05344107988126138},{"text":"Since we're making these changes now, we can incorporate that to make it easier for you.","start":355.32,"end":359.66,"sentiment":"positive","sentiment_score":0.39019112568348646}],"sentiment":"neutral","sentiment_score":0.09196963742738817,"channel":0,"num_words":82,"start":337.85498,"end":359.66},{"sentences":[{"text":"We're also gonna keep the physical gold there and increase your exposure.","start":360.19998,"end":363.63998,"sentiment":"neutral","sentiment_score":0.30655669669310254},{"text":"So it has done very, very well.","start":363.63998,"end":365.245,"sentiment":"positive","sentiment_score":0.534864774772099},{"text":"Physical gold had a little bit of a dip in the last few weeks, but it has done very well and has been at a thirty year high.","start":365.245,"end":371.245,"sentiment":"neutral","sentiment_score":0.20986770186573267},{"text":"So, essentially, you wanna keep physical gold in your portfolio and just increase your exposure back to about 10% there for you.","start":371.245,"end":378.06,"sentiment":"neutral","sentiment_score":0.31953494250774384},{"text":"Cybersecurity has had a bit of an up and down year.","start":379.9,"end":381.9,"sentiment":"negative","sentiment_score":-0.3562606166709553}],"sentiment":"neutral","sentiment_score":0.20512414234690368,"channel":0,"num_words":80,"start":360.19998,"end":381.9},{"sentences":[{"text":"A lot of things have with what's been going on globally there.","start":381.9,"end":384.96,"sentiment":"neutral","sentiment_score":-0.22917993490894636},{"text":"But cybersecurity is not bad in any way, shape, or form, and we wanna keep that.","start":385.74,"end":389.9,"sentiment":"neutral","sentiment_score":-0.057673320872709155},{"text":"But you're a little bit overexposed at the moment, so just rebalancing your portfolio and bring your exposure back to 5% with that one.","start":389.9,"end":397.095,"sentiment":"neutral","sentiment_score":-0.16131479758769274},{"text":"You've got because we're getting rid of the as the bank hybrids, we do need to make sure as you're in a growth portfolio that you do have access to the defensive investments as well.","start":397.635,"end":408.37,"sentiment":"neutral","sentiment_score":0.08356278325830187},{"text":"So a growth portfolio is generally 80% in those growth areas, like Australian international shares, listed property, and also commodities like gold and silver, and holding 20% in defensive investments, things like cash, bonds, and fixed interest.","start":408.37,"end":422.025,"sentiment":"neutral","sentiment_score":0.20703033861276265}],"sentiment":"neutral","sentiment_score":0.024518810062398835,"channel":0,"num_words":124,"start":381.9,"end":422.025},{"sentences":[{"text":"So because we're getting rid of the bank hybrids there, we're gonna be increasing your exposure into the core composite bonds.","start":422.26498,"end":427.785,"sentiment":"neutral","sentiment_score":0.18236923102466834},{"text":"They're giving you access to both government and corporate bonds.","start":427.785,"end":431.065,"sentiment":"positive","sentiment_score":0.3489199340343475},{"text":"It also utilizes the ventures and other things a little bit a little bit of global exposure there as well for you.","start":431.065,"end":436.525,"sentiment":"neutral","sentiment_score":0.31742714006792416},{"text":"So making sure you've got those defensive investments, bonds are also very good for cash producing.","start":436.61,"end":441.75,"sentiment":"positive","sentiment_score":0.46184987761080265},{"text":"They provide income, which gets distributed into your cash account and then reinvested back into your portfolio as a compounding as well.","start":441.81,"end":449.97,"sentiment":"positive","sentiment_score":0.40844721821221436}],"sentiment":"positive","sentiment_score":0.3371185397340374,"channel":0,"num_words":91,"start":422.26498,"end":449.97},{"sentences":[{"text":"So we'll essentially see 14% of your in in your portfolio investors there.","start":449.97,"end":455.175,"sentiment":"neutral","sentiment_score":0.26262774948890394},{"text":"The S and P five hundred, you've got about 26% there at the moment, has had a bit of up and downs with everything going on in the world, but is still a great place to be invested.","start":455.635,"end":464.4,"sentiment":"neutral","sentiment_score":0.17045088622130847},{"text":"So just increasing your exposure to 30% there and buying a little bit more.","start":464.4,"end":469.3,"sentiment":"neutral","sentiment_score":0.2117206443633352},{"text":"We'll be selling off a VanEck property and removing the beta shares, roughly a 200 as well.","start":469.6,"end":475.94,"sentiment":"neutral","sentiment_score":0.013648289529716267},{"text":"Essentially, they haven't done too bad.","start":476.505,"end":478.365,"sentiment":"neutral","sentiment_score":-0.03877126177151998}],"sentiment":"neutral","sentiment_score":0.14607700900259343,"channel":0,"num_words":88,"start":449.97,"end":478.365},{"sentences":[{"text":"However, because we are removing Banda Long Australian equities and buying into the a 200, we don't wanna have you overexposed in Australian equities.","start":478.585,"end":486.425,"sentiment":"neutral","sentiment_score":0.010293628399570784},{"text":"So we're gonna be altering and removing the Raffy 200 there as well for you.","start":486.425,"end":491.805,"sentiment":"neutral","sentiment_score":0.09100505659977595},{"text":"Purchasing into Europe, the European exposure is a great place to be, and the iShares Europe investment gives you exposure to all the European companies sorry, countries and all the companies within that on the exchanges.","start":492.62,"end":504.4,"sentiment":"neutral","sentiment_score":0.24665652712186178},{"text":"And also the Japan.","start":505.155,"end":506.595,"sentiment":"neutral","sentiment_score":0.10693155974149704},{"text":"So Japan has seen some great growth.","start":506.595,"end":508.355,"sentiment":"positive","sentiment_score":0.4292311540671757}],"sentiment":"neutral","sentiment_score":0.1619081654001114,"channel":0,"num_words":86,"start":478.585,"end":508.355},{"sentences":[{"text":"It is a great place to be invested at the moment, and it's giving you some diversification.","start":508.355,"end":512.21497,"sentiment":"positive","sentiment_score":0.6123318251441506},{"text":"And on the point of diversification, making sure that we're diversifying across across as many countries as possible as diversification is one of the best ways to mitigate market risk.","start":513.235,"end":524.00995,"sentiment":"neutral","sentiment_score":0.31808816666404405},{"text":"We'll be adding in the Vanguard all world excluding The US, and we're excluding The US from this investment because you have the S and P 500 in there.","start":524.38995,"end":533.11,"sentiment":"neutral","sentiment_score":0.015065448599514263},{"text":"So I don't wanna be overexposed to anywhere particular, But this investment is giving you worldwide expo exposure to all the countries, all the different exchanges, and the top investments in those sorts of exchanges.","start":533.11,"end":543.975,"sentiment":"neutral","sentiment_score":0.16840617435851268},{"text":"So looking at existing markets as well as up and coming there as well, This investment has done very, very well, and it's about making sure that we're minimizing as much risk as we possibly can within the market there.","start":544.035,"end":556.61,"sentiment":"positive","sentiment_score":0.38238904867321255}],"sentiment":"neutral","sentiment_score":0.2753573648094983,"channel":0,"num_words":151,"start":508.355,"end":556.61},{"sentences":[{"text":"And as I mentioned, diversification is one of the best ways to do that for you.","start":556.61,"end":560.39,"sentiment":"neutral","sentiment_score":0.2842505965381861},{"text":"Okay?","start":560.45,"end":560.85004,"sentiment":"neutral","sentiment_score":0.16189631819725037},{"text":"So you'll see 8% invested there in that investment.","start":560.85004,"end":563.59,"sentiment":"neutral","sentiment_score":0.1630756672885683},{"text":"And then also the beta shares a 200, and that's replacing the Bannalong Australian Equities and, again, giving you greater diversification.","start":564.105,"end":571.725,"sentiment":"neutral","sentiment_score":0.12610143281164624},{"text":"So with Bannalong, they essentially invested anywhere between 15 to 35 different investment options depending on what they had in their investment at at that particular time.","start":572.185,"end":583.17,"sentiment":"neutral","sentiment_score":0.08608827464006565}],"sentiment":"neutral","sentiment_score":0.1506770320639417,"channel":0,"num_words":74,"start":556.61,"end":583.17},{"sentences":[{"text":"With the BetaShares a 200, you're actually exposed to the top 200 companies on the ASX there, so greater diversification.","start":583.31,"end":590.61,"sentiment":"neutral","sentiment_score":0.1523028716444969},{"text":"This is also a passively managed fund, whereas Van Alon was more actively managed.","start":591.685,"end":595.52496,"sentiment":"neutral","sentiment_score":0.16386989025132997},{"text":"So it's actually also a cheaper investment to have in your portfolio, which is a benefit to you because saving on investment fees leaves more money in your portfolio, working harder for you as well there.","start":595.52496,"end":606.665,"sentiment":"positive","sentiment_score":0.45117348515325123},{"text":"That's essentially the changes to the portfolio.","start":607.19,"end":609.45,"sentiment":"neutral","sentiment_score":0.22621643117495946},{"text":"I try to go a little bit easier on those.","start":609.51,"end":611.35,"sentiment":"neutral","sentiment_score":0.21845543384552002}],"sentiment":"neutral","sentiment_score":0.2913856404437416,"channel":0,"num_words":87,"start":583.31,"end":611.35},{"sentences":[{"text":"But do you have any questions about any of them specifically or any questions about that so far?","start":611.35,"end":616.17,"sentiment":"neutral","sentiment_score":0.039449574425816536}],"sentiment":"neutral","sentiment_score":0.039449574425816536,"channel":0,"num_words":18,"start":611.35,"end":616.17},{"sentences":[{"text":"No.","start":616.56,"end":616.8,"sentiment":"neutral","sentiment_score":-0.088027723133564},{"text":"I'm good.","start":616.8,"end":617.38,"sentiment":"neutral","sentiment_score":-0.01668700762093067}],"sentiment":"neutral","sentiment_score":-0.04046724612514178,"channel":1,"num_words":3,"start":616.56,"end":617.38},{"sentences":[{"text":"No.","start":617.99,"end":618.31,"sentiment":"neutral","sentiment_score":-0.008002273738384247},{"text":"Beautiful.","start":618.31,"end":618.81,"sentiment":"neutral","sentiment_score":0.1912698745727539},{"text":"Essentially, the next page outline there that we'll still keep cash in your account.","start":620.075,"end":623.515,"sentiment":"neutral","sentiment_score":0.0754127526389701},{"text":"We do need to keep 1.25% cash in the hub twenty four cash account there for you.","start":623.515,"end":629.29504,"sentiment":"neutral","sentiment_score":0.11867542521041982},{"text":"And if you can get on the page number 20 for me, this is essentially showing the reason for the recommendations there.","start":629.91504,"end":635.84,"sentiment":"neutral","sentiment_score":0.12007802453908054}],"sentiment":"neutral","sentiment_score":0.10724081647667018,"channel":0,"num_words":55,"start":617.99,"end":635.84},{"sentences":[{"text":"Now it is really important that we do sort of note that whenever we do switch investments within your portfolio, there are capital gains consequences.","start":635.98004,"end":643.2,"sentiment":"neutral","sentiment_score":0.0023010168969631196},{"text":"So, essentially, your super fund, just like you do, does a tax return every year, and they have to pay tax as well.","start":643.34,"end":650.795,"sentiment":"neutral","sentiment_score":0.11179163290754608},{"text":"Essentially, they pay income tax and CGT tax.","start":651.335,"end":654.215,"sentiment":"neutral","sentiment_score":0.09066331572830677},{"text":"So for making the switch of the investments, we do estimate having a look at the research there, your super fund will essentially pay $1,645 in CGT tax.","start":654.215,"end":665.03,"sentiment":"neutral","sentiment_score":0.2037537768483162},{"text":"So not too bad to be able to switch those investments for you.","start":665.03,"end":668.57,"sentiment":"positive","sentiment_score":0.4326530500100209}],"sentiment":"neutral","sentiment_score":0.15137767945368266,"channel":0,"num_words":97,"start":635.98004,"end":668.57},{"sentences":[{"text":"We are retaining C Bus and Hub twenty four.","start":669.51,"end":672.07,"sentiment":"neutral","sentiment_score":0.30268265472518074},{"text":"I did look at the other super funds out there.","start":672.07,"end":674.07,"sentiment":"neutral","sentiment_score":0.26780707091093064},{"text":"There is no need to switch out of Hub twenty four.","start":674.07,"end":676.095,"sentiment":"neutral","sentiment_score":0.16920396211472424},{"text":"You need to retain Sebas because your insurance is in place there.","start":676.095,"end":679.395,"sentiment":"neutral","sentiment_score":0.22532871117194495},{"text":"But hub twenty four is still a great platform.","start":679.695,"end":681.955,"sentiment":"positive","sentiment_score":0.5824828611479865}],"sentiment":"neutral","sentiment_score":0.2982303621430023,"channel":0,"num_words":51,"start":669.51,"end":681.955},{"sentences":[{"text":"And the idea of if we move to any other platform out there, the capital gains consequences would be much higher.","start":682.415,"end":688.495,"sentiment":"neutral","sentiment_score":0.20063988651548112},{"text":"So it is best to retain hub twenty four for now and just do the investment switch.","start":688.495,"end":692.8,"sentiment":"neutral","sentiment_score":0.29451292051988487},{"text":"That way, we only have to switch some investments and mitigate some of the tax consequences to a full to a full move, if that makes sense.","start":692.8,"end":701.7,"sentiment":"positive","sentiment_score":0.3787573277950287}],"sentiment":"neutral","sentiment_score":0.2991785402481373,"channel":0,"num_words":65,"start":682.415,"end":701.7},{"sentences":[{"text":"Mhmm.","start":702.37,"end":702.87,"sentiment":"neutral","sentiment_score":0.13013362884521484}],"sentiment":"neutral","sentiment_score":0.13013362884521484,"channel":1,"num_words":1,"start":702.37,"end":702.87},{"sentences":[{"text":"Yeah.","start":703.36,"end":703.86,"sentiment":"neutral","sentiment_score":0.17793916165828705},{"text":"Essentially, looking at because we are moving money from C bus and into hub twenty four, we do expect your admin fees to go up to slightly by about $34 for the year.","start":704.585,"end":713.565,"sentiment":"neutral","sentiment_score":0.17678870260715485},{"text":"However, by making the changes to the investment portfolio as above your investment fees, if you look at the last column there, it should save you about $588 for the year.","start":713.78503,"end":723.12,"sentiment":"positive","sentiment_score":0.3830357309310667},{"text":"So lower fees, which is good.","start":723.12,"end":725.28,"sentiment":"positive","sentiment_score":0.6893482208251953},{"text":"It means that you'll have more money invested working harder for you over the longer term.","start":725.28,"end":729.68,"sentiment":"positive","sentiment_score":0.6551303490996361}],"sentiment":"positive","sentiment_score":0.37361205651842316,"channel":0,"num_words":87,"start":703.36,"end":729.68},{"sentences":[{"text":"Still paying.","start":729.68,"end":730.42,"sentiment":"neutral","sentiment_score":0.3295252025127411}],"sentiment":"neutral","sentiment_score":0.3295252025127411,"channel":0,"num_words":2,"start":729.68,"end":730.42},{"sentences":[{"text":"Mhmm.","start":731.04,"end":731.54,"sentiment":"neutral","sentiment_score":0.21235904097557068}],"sentiment":"neutral","sentiment_score":0.21235904097557068,"channel":1,"num_words":1,"start":731.04,"end":731.54},{"sentences":[{"text":"We'll keep your contributions going into hub into C bus.","start":731.28,"end":734.64,"sentiment":"neutral","sentiment_score":0.2713321387767792},{"text":"Sorry.","start":734.64,"end":735.14,"sentiment":"neutral","sentiment_score":0.10543417930603027},{"text":"No changes there.","start":735.515,"end":736.735,"sentiment":"neutral","sentiment_score":0.06946340948343277},{"text":"And your insurance premiums stay payable out of SeaBus as well to make sure your insurances are in place.","start":736.875,"end":741.935,"sentiment":"neutral","sentiment_score":0.2792898941981165},{"text":"When you do happen to sell your investment property and you do pay off your mortgage, then we can talk about what your insurance needs are and possibly look at consolidating things there for you as well.","start":742.47504,"end":752.65,"sentiment":"neutral","sentiment_score":0.23548199296803088}],"sentiment":"neutral","sentiment_score":0.24352125035864966,"channel":0,"num_words":70,"start":731.28,"end":752.65},{"sentences":[{"text":"Okay?","start":752.65,"end":753.15,"sentiment":"neutral","sentiment_score":0.12818513810634613}],"sentiment":"neutral","sentiment_score":0.12818513810634613,"channel":0,"num_words":1,"start":752.65,"end":753.15},{"sentences":[{"text":"Mhmm.","start":753.99506,"end":754.47,"sentiment":"neutral","sentiment_score":-0.058842793107032776}],"sentiment":"neutral","sentiment_score":-0.058842793107032776,"channel":1,"num_words":1,"start":753.99506,"end":754.47},{"sentences":[{"text":"When we look at how the portfolios have performed over the past and the future, so the older portfolio between the two funds, when we look at the rate of debt, it's averaged about 8.52% on the five year rolling out, which was not bad in any way, shape, or form.","start":755.05005,"end":769.925,"sentiment":"neutral","sentiment_score":0.08538489807031903},{"text":"However, the newer portfolio, you can see, has had a greater past performance, which depending on market conditions, so long as we, you know, see good market conditions or what has happened over the past five years, we can expect greater performance there.","start":770.065,"end":782.20996,"sentiment":"positive","sentiment_score":0.34985400701678077},{"text":"And if you're able to obtain that sort of a a return of 10.95% over the course of the next five to ten years, you can see on the next page the projection there.","start":782.20996,"end":791.73,"sentiment":"positive","sentiment_score":0.5058982644010993},{"text":"So it can and does place you in a better position moving forward.","start":791.73,"end":795.075,"sentiment":"positive","sentiment_score":0.729306514446552},{"text":"So we'll just keep reviewing things with you every year, just making sure things are working harder, review the portfolios, and make sure you stay on track there.","start":795.075,"end":802.295,"sentiment":"positive","sentiment_score":0.3707086427935532}],"sentiment":"positive","sentiment_score":0.33408118212408217,"channel":0,"num_words":169,"start":755.05005,"end":802.295},{"sentences":[{"text":"But, essentially, we wanna make sure your sleep is working harder to give you the best possible outcome in retirement.","start":802.515,"end":807.495,"sentiment":"neutral","sentiment_score":0.3283395379781723},{"text":"Okay.","start":808.02997,"end":808.52997,"sentiment":"neutral","sentiment_score":0.10054117441177368}],"sentiment":"neutral","sentiment_score":0.31749199685596285,"channel":0,"num_words":21,"start":802.515,"end":808.52997},{"sentences":[{"text":"Mhmm.","start":809.40497,"end":809.90497,"sentiment":"neutral","sentiment_score":0.05253826081752777}],"sentiment":"neutral","sentiment_score":0.05253826081752777,"channel":1,"num_words":1,"start":809.40497,"end":809.90497},{"sentences":[{"text":"Do you have any questions so far at all?","start":810.19,"end":812.29,"sentiment":"neutral","sentiment_score":0.03326555776099364}],"sentiment":"neutral","sentiment_score":0.03326555776099364,"channel":0,"num_words":9,"start":810.19,"end":812.29},{"sentences":[{"text":"No.","start":814.0,"end":814.16003,"sentiment":"neutral","sentiment_score":-0.013270862400531769},{"text":"I'm good.","start":814.16003,"end":814.72003,"sentiment":"neutral","sentiment_score":0.07803201302886009},{"text":"So what's my what's my how how much money right now?","start":814.72003,"end":819.52,"sentiment":"neutral","sentiment_score":0.016717918301847847},{"text":"How much sleep do I have at the moment?","start":819.52,"end":821.22003,"sentiment":"neutral","sentiment_score":0.0068363819478286635}],"sentiment":"neutral","sentiment_score":0.0168790305438249,"channel":1,"num_words":23,"start":814.0,"end":821.22003},{"sentences":[{"text":"At the moment, and when we did the","start":821.645,"end":823.645,"sentiment":"neutral","sentiment_score":0.013555542449466884}],"sentiment":"neutral","sentiment_score":0.013555542449466884,"channel":0,"num_words":8,"start":821.645,"end":823.645},{"sentences":[{"text":"Up there,","start":823.44,"end":823.92004,"sentiment":"neutral","sentiment_score":0.014465206302702427}],"sentiment":"neutral","sentiment_score":0.014465206302702427,"channel":1,"num_words":2,"start":823.44,"end":823.92004},{"sentences":[{"text":"you've","start":823.885,"end":824.045,"sentiment":"neutral","sentiment_score":0.008153421804308891}],"sentiment":"neutral","sentiment_score":0.008153421804308891,"channel":0,"num_words":1,"start":823.885,"end":824.045},{"sentences":[{"text":"a bit","start":823.92004,"end":824.24005,"sentiment":"neutral","sentiment_score":0.003253550734370947}],"sentiment":"neutral","sentiment_score":0.003253550734370947,"channel":1,"num_words":2,"start":823.92004,"end":824.24005},{"sentences":[{"text":"got","start":824.045,"end":824.28503,"sentiment":"neutral","sentiment_score":0.005320277065038681}],"sentiment":"neutral","sentiment_score":0.005320277065038681,"channel":0,"num_words":1,"start":824.045,"end":824.28503},{"sentences":[{"text":"right","start":824.24005,"end":824.48004,"sentiment":"neutral","sentiment_score":0.017378579825162888}],"sentiment":"neutral","sentiment_score":0.017378579825162888,"channel":1,"num_words":1,"start":824.24005,"end":824.48004},{"sentences":[{"text":"a","start":824.28503,"end":824.365,"sentiment":"neutral","sentiment_score":0.00698170717805624}],"sentiment":"neutral","sentiment_score":0.00698170717805624,"channel":0,"num_words":1,"start":824.28503,"end":824.365},{"sentences":[{"text":"there.","start":824.48004,"end":824.835,"sentiment":"neutral","sentiment_score":0.00812610238790512},{"text":"Current.","start":824.995,"end":825.495,"sentiment":"neutral","sentiment_score":0.007198516279459},{"text":"200","start":825.555,"end":826.03503,"sentiment":"neutral","sentiment_score":0.013538878411054611}],"sentiment":"neutral","sentiment_score":0.009621165692806244,"channel":1,"num_words":3,"start":824.48004,"end":826.03503},{"sentences":[{"text":"yeah.","start":825.965,"end":826.28503,"sentiment":"neutral","sentiment_score":0.012729944661259651}],"sentiment":"neutral","sentiment_score":0.012729944661259651,"channel":0,"num_words":1,"start":825.965,"end":826.28503},{"sentences":[{"text":"and 16,","start":826.03503,"end":826.695,"sentiment":"neutral","sentiment_score":0.008118439465761185}],"sentiment":"neutral","sentiment_score":0.008118439465761185,"channel":1,"num_words":2,"start":826.03503,"end":826.695},{"sentences":[{"text":"Yeah.","start":826.28503,"end":826.78503,"sentiment":"neutral","sentiment_score":0.010997569188475609}],"sentiment":"neutral","sentiment_score":0.010997569188475609,"channel":0,"num_words":1,"start":826.28503,"end":826.78503},{"sentences":[{"text":"237.","start":826.755,"end":828.455,"sentiment":"neutral","sentiment_score":0.013102690689265728}],"sentiment":"neutral","sentiment_score":0.013102690689265728,"channel":1,"num_words":1,"start":826.755,"end":828.455},{"sentences":[{"text":"And 30","start":828.365,"end":829.005,"sentiment":"neutral","sentiment_score":0.014916949905455112}],"sentiment":"neutral","sentiment_score":0.014916949905455112,"channel":0,"num_words":2,"start":828.365,"end":829.005},{"sentences":[{"text":"Up","start":828.835,"end":829.075,"sentiment":"neutral","sentiment_score":0.01683691330254078}],"sentiment":"neutral","sentiment_score":0.01683691330254078,"channel":1,"num_words":1,"start":828.835,"end":829.075},{"sentences":[{"text":"seven","start":829.005,"end":829.325,"sentiment":"neutral","sentiment_score":0.016012325882911682}],"sentiment":"neutral","sentiment_score":0.016012325882911682,"channel":0,"num_words":1,"start":829.005,"end":829.325},{"sentences":[{"text":"there.","start":829.075,"end":829.555,"sentiment":"neutral","sentiment_score":0.0165045615285635}],"sentiment":"neutral","sentiment_score":0.0165045615285635,"channel":1,"num_words":1,"start":829.075,"end":829.555},{"sentences":[{"text":"there.","start":829.325,"end":829.565,"sentiment":"neutral","sentiment_score":0.019029593095183372}],"sentiment":"neutral","sentiment_score":0.019029593095183372,"channel":0,"num_words":1,"start":829.325,"end":829.565},{"sentences":[{"text":"And","start":829.555,"end":829.875,"sentiment":"neutral","sentiment_score":0.021899450570344925}],"sentiment":"neutral","sentiment_score":0.021899450570344925,"channel":1,"num_words":1,"start":829.555,"end":829.875},{"sentences":[{"text":"So once","start":829.565,"end":829.965,"sentiment":"neutral","sentiment_score":0.031667761504650116}],"sentiment":"neutral","sentiment_score":0.031667761504650116,"channel":0,"num_words":2,"start":829.565,"end":829.965},{"sentences":[{"text":"30","start":829.875,"end":830.11505,"sentiment":"neutral","sentiment_score":0.02853219397366047}],"sentiment":"neutral","sentiment_score":0.02853219397366047,"channel":1,"num_words":1,"start":829.875,"end":830.11505},{"sentences":[{"text":"we","start":829.965,"end":830.125,"sentiment":"neutral","sentiment_score":0.026353707537055016}],"sentiment":"neutral","sentiment_score":0.026353707537055016,"channel":0,"num_words":1,"start":829.965,"end":830.125},{"sentences":[{"text":"seven.","start":830.11505,"end":830.61505,"sentiment":"neutral","sentiment_score":0.027259085327386856}],"sentiment":"neutral","sentiment_score":0.027259085327386856,"channel":1,"num_words":1,"start":830.11505,"end":830.61505},{"sentences":[{"text":"complete this switch, you'll have 10,000 in Cbus and about $242.02 56 in hub 24.","start":830.125,"end":837.13995,"sentiment":"neutral","sentiment_score":0.03442772055665652},{"text":"Yeah.","start":837.19995,"end":837.69995,"sentiment":"neutral","sentiment_score":0.10547396540641785}],"sentiment":"neutral","sentiment_score":0.0388681108597666,"channel":0,"num_words":16,"start":830.125,"end":837.69995},{"sentences":[{"text":"Two.","start":841.63,"end":842.13,"sentiment":"neutral","sentiment_score":0.1809791773557663}],"sentiment":"neutral","sentiment_score":0.1809791773557663,"channel":1,"num_words":1,"start":841.63,"end":842.13},{"sentences":[{"text":"All good.","start":842.07996,"end":842.89996,"sentiment":"positive","sentiment_score":0.42511165142059326},{"text":"All good.","start":842.95996,"end":843.68,"sentiment":"positive","sentiment_score":0.4712083041667938},{"text":"Now one of the things I did talk about looking forward to for you is looking at, obviously, what the projected outcome looks like.","start":843.68,"end":849.46497,"sentiment":"neutral","sentiment_score":0.16751202320059141},{"text":"You are in your early fifties there.","start":849.46497,"end":851.385,"sentiment":"neutral","sentiment_score":0.07471775742513793},{"text":"You do have a bit of time before your retirement, but I wanted to sort of see where you are tracking at the moment.","start":851.385,"end":856.505,"sentiment":"neutral","sentiment_score":0.09261503738040726}],"sentiment":"neutral","sentiment_score":0.14506294351007978,"channel":0,"num_words":59,"start":842.07996,"end":856.505},{"sentences":[{"text":"So if you go down to page number 22, it does essentially show yeah.","start":856.505,"end":861.98,"sentiment":"neutral","sentiment_score":0.11649140236633164},{"text":"You're okay.","start":862.44,"end":863.26,"sentiment":"neutral","sentiment_score":0.13973252475261688},{"text":"Aaron, did you wanna take a second?","start":863.32,"end":864.84,"sentiment":"neutral","sentiment_score":0.04196561872959137},{"text":"You're fine.","start":864.84,"end":865.66003,"sentiment":"neutral","sentiment_score":0.11822709441184998},{"text":"You're okay?","start":867.24,"end":868.06,"sentiment":"neutral","sentiment_score":0.08775022625923157}],"sentiment":"neutral","sentiment_score":0.09689106129937702,"channel":0,"num_words":27,"start":856.505,"end":868.06},{"sentences":[{"text":"All good.","start":868.12,"end":868.86,"sentiment":"positive","sentiment_score":0.7059713304042816},{"text":"It does wanna show that projecting this out for you, you are looking at an income of about $1,000 a week in retirement.","start":869.24,"end":874.86,"sentiment":"neutral","sentiment_score":0.21128965655098791},{"text":"That could absolutely change there, but we've considered your asset position at the time.","start":874.935,"end":878.615,"sentiment":"neutral","sentiment_score":0.16836922296455928},{"text":"Obviously, you will have sold the investment property there and paid off your mortgage.","start":878.615,"end":883.895,"sentiment":"neutral","sentiment_score":0.031802604507122724},{"text":"You're fully debt free as a homeowner and considering any other assets that you do have.","start":883.895,"end":888.21,"sentiment":"neutral","sentiment_score":0.18845000956207514}],"sentiment":"neutral","sentiment_score":0.1752059492620005,"channel":0,"num_words":69,"start":868.12,"end":888.21},{"sentences":[{"text":"We do expect you to be able to access some age pension there as well given your current circumstances.","start":888.37,"end":893.27,"sentiment":"neutral","sentiment_score":0.30761279244171946},{"text":"That will be reviewed moving forward with you as well.","start":893.49005,"end":896.23004,"sentiment":"neutral","sentiment_score":0.22619494348764418},{"text":"But, essentially, if you are able to access some age pension given your current circumstances and supplement with your super there, we can essentially expect you to be able to draw about forty five thousand six sixty five on a yearly basis.","start":896.61005,"end":907.815,"sentiment":"positive","sentiment_score":0.33840438439732506},{"text":"So it is about 6,000 down from where your target income is.","start":907.815,"end":911.675,"sentiment":"neutral","sentiment_score":0.28083229809999466},{"text":"You could draw more to get that 52,000.","start":912.45496,"end":915.01495,"sentiment":"neutral","sentiment_score":0.2669743411242962}],"sentiment":"neutral","sentiment_score":0.3057731751884733,"channel":0,"num_words":91,"start":888.37,"end":915.01495},{"sentences":[{"text":"This means the super is expected to not last as long as what we've projected at here.","start":915.01495,"end":919.39,"sentiment":"neutral","sentiment_score":0.11735623154570074},{"text":"But there's other things that we can do.","start":919.39,"end":920.91003,"sentiment":"neutral","sentiment_score":0.12376424856483936},{"text":"So at the moment, we're just looking at what you've got currently with your two funds, keeping your insurances in place.","start":920.91003,"end":926.69,"sentiment":"neutral","sentiment_score":0.08644199406816847},{"text":"But moving forward, as we get closer to accessing super, once you are sort of you've sold the investment property, paid your mortgage, often you have a bit of extra free cash flow.","start":927.07,"end":934.975,"sentiment":"neutral","sentiment_score":0.21346396365852066},{"text":"We can also look at other areas like increasing contributions in the super.","start":934.975,"end":939.235,"sentiment":"neutral","sentiment_score":0.20474840929875007}],"sentiment":"neutral","sentiment_score":0.1576792600200228,"channel":0,"num_words":92,"start":915.01495,"end":939.235},{"sentences":[{"text":"If you decide at 60, you're not quite ready to retire, you wanna work a bit longer, there's other strategies that we can put in place there for you well.","start":939.615,"end":946.41,"sentiment":"neutral","sentiment_score":0.20338828874131043},{"text":"And also making sure that every year, we review your investments and your returns to see how you're sort of working forward.","start":946.41,"end":952.64996,"sentiment":"neutral","sentiment_score":0.1987187537279996},{"text":"Obviously, if you get a better return, that 10%, that's just an average of what this portfolio has seen over the past five years.","start":952.64996,"end":958.99,"sentiment":"neutral","sentiment_score":0.22684253752231598},{"text":"We know that some years, you could get a 20% return, some years, a 5% return, some years, a 10% return.","start":959.075,"end":964.595,"sentiment":"neutral","sentiment_score":0.2830894064335596},{"text":"So it's just about working with the market and making sure we're staying on track and trying to get the best possible outcome over the longer term there.","start":964.595,"end":972.035,"sentiment":"positive","sentiment_score":0.42085367627441883}],"sentiment":"neutral","sentiment_score":0.26917170092463494,"channel":0,"num_words":125,"start":939.615,"end":972.035},{"sentences":[{"text":"But moving down down the track, if you are comfortable to do so, it would be worth looking at additional contributions to help boost your super as well.","start":972.035,"end":980.21,"sentiment":"positive","sentiment_score":0.35391276861940113},{"text":"Essentially, thinking that your super is a bit like your car, your contributions and your portfolio essentially are the fuel.","start":980.59,"end":987.89,"sentiment":"positive","sentiment_score":0.342390863597393},{"text":"And adding those together, it fills your car up a lot faster and helps your portfolio work a little bit harder there as well.","start":988.145,"end":994.485,"sentiment":"positive","sentiment_score":0.4973312206566334},{"text":"The other aspect is the compounding side of things.","start":994.625,"end":997.265,"sentiment":"neutral","sentiment_score":0.024321787473228242},{"text":"So we sort of slug our life away to get our sleep up to about that two, two fifty mark.","start":997.265,"end":1002.565,"sentiment":"neutral","sentiment_score":-0.13883142061531545}],"sentiment":"neutral","sentiment_score":0.2587682352871588,"channel":0,"num_words":101,"start":972.035,"end":1002.565},{"sentences":[{"text":"Once we get over that $2.02 $5,300,000 mark, essentially, the compounding does increase a little bit more, and you do see those returns increase.","start":1003.02,"end":1011.92004,"sentiment":"neutral","sentiment_score":0.14657546610881886},{"text":"So it is something to keep keep monitoring and looking at with you, but I just wanted to sort of show you that with the research, with the changes that we're making here at the moment, this is essentially the forecast and projection that we've got here just so you can sort of see where you're tracking.","start":1011.98004,"end":1026.915,"sentiment":"neutral","sentiment_score":0.30243919659079166},{"text":"It'll light at the end of the tunnel, if you might say.","start":1027.375,"end":1029.875,"sentiment":"neutral","sentiment_score":0.11540536706646283}],"sentiment":"neutral","sentiment_score":0.23808290104391755,"channel":0,"num_words":93,"start":1003.02,"end":1029.875},{"sentences":[{"text":"Mhmm.","start":1030.835,"end":1031.335,"sentiment":"neutral","sentiment_score":0.06987886875867844}],"sentiment":"neutral","sentiment_score":0.06987886875867844,"channel":1,"num_words":1,"start":1030.835,"end":1031.335},{"sentences":[{"text":"Yeah.","start":1032.0599,"end":1032.5599,"sentiment":"neutral","sentiment_score":0.11966210603713988},{"text":"I've also got it in here noting that we are retaining your life and TPD within C Bus for the time being.","start":1033.1,"end":1039.34,"sentiment":"neutral","sentiment_score":0.10428883270783858},{"text":"We'll keep reviewing that with you.","start":1039.34,"end":1041.12,"sentiment":"neutral","sentiment_score":0.12657714759310087},{"text":"Admittedly, you don't have a lot of life and TPD, but given your health, it is important to sort of make sure, you know, where you have the best kind of cover possible.","start":1041.1799,"end":1050.275,"sentiment":"neutral","sentiment_score":-0.047214111708330384},{"text":"Given your history, we're not able to obtain any new cover elsewhere.","start":1050.815,"end":1053.9349,"sentiment":"neutral","sentiment_score":-0.12523521731297174}],"sentiment":"neutral","sentiment_score":0.0015215002302382443,"channel":0,"num_words":74,"start":1032.0599,"end":1053.9349},{"sentences":[{"text":"So it's important just to keep the cover you do have for the time being.","start":1053.9349,"end":1057.23,"sentiment":"neutral","sentiment_score":0.001588361089428266},{"text":"But at the moment, you hold about 52,000 in life cover within Cbus and about 26,000 in PPD there.","start":1057.39,"end":1063.89,"sentiment":"neutral","sentiment_score":-0.010558698718485079},{"text":"Unfortunately, these covers do decrease as you get older, as the you know, as you get closer to retirement there, but we wanna kinda boost your super.","start":1064.35,"end":1072.37,"sentiment":"neutral","sentiment_score":-0.0805438878359618},{"text":"And if you wanted to look at trying to invest in other ways to close that gap, we can also have those conversations with you as well.","start":1072.395,"end":1078.475,"sentiment":"neutral","sentiment_score":0.2287508757026107},{"text":"Okay?","start":1078.475,"end":1078.975,"sentiment":"neutral","sentiment_score":0.13611100614070892}],"sentiment":"neutral","sentiment_score":0.04450460471045435,"channel":0,"num_words":89,"start":1053.9349,"end":1078.975},{"sentences":[{"text":"Mhmm.","start":1079.7201,"end":1080.2201,"sentiment":"neutral","sentiment_score":0.1804452538490295}],"sentiment":"neutral","sentiment_score":0.1804452538490295,"channel":1,"num_words":1,"start":1079.7201,"end":1080.2201},{"sentences":[{"text":"Beautiful.","start":1080.635,"end":1081.135,"sentiment":"neutral","sentiment_score":0.08217189460992813},{"text":"One of the things we did sorta look at a while ago was that you did have a bit of cryptocurrency on those shares there.","start":1081.515,"end":1087.435,"sentiment":"neutral","sentiment_score":0.0471636325865984},{"text":"Do you still have those?","start":1087.435,"end":1088.62,"sentiment":"neutral","sentiment_score":0.02388833463191986},{"text":"Did you have they grown, or what have they been doing this year?","start":1088.62,"end":1092.48,"sentiment":"neutral","sentiment_score":0.026882372796535492}],"sentiment":"neutral","sentiment_score":0.03932216429066929,"channel":0,"num_words":44,"start":1080.635,"end":1092.48},{"sentences":[{"text":"Yes.","start":1092.345,"end":1092.745,"sentiment":"neutral","sentiment_score":0.071828693151474},{"text":"I've got TRX.","start":1092.745,"end":1095.325,"sentiment":"neutral","sentiment_score":0.05237611010670662},{"text":"This is Chime.","start":1095.465,"end":1096.285,"sentiment":"neutral","sentiment_score":0.05408682053287824},{"text":"What about 7","start":1096.345,"end":1097.405,"sentiment":"neutral","sentiment_score":0.024294676259160042}],"sentiment":"neutral","sentiment_score":0.04641015138477087,"channel":1,"num_words":10,"start":1092.345,"end":1097.405},{"sentences":[{"text":"Yeah.","start":1097.1,"end":1097.6,"sentiment":"neutral","sentiment_score":0.03786113485693931}],"sentiment":"neutral","sentiment_score":0.03786113485693931,"channel":0,"num_words":1,"start":1097.1,"end":1097.6},{"sentences":[{"text":"4 ring in that now, I think it is.","start":1098.12,"end":1099.88,"sentiment":"neutral","sentiment_score":0.0466110124770138},{"text":"But I've got shares in I'll I'll put more money into ASN, which is","start":1099.88,"end":1110.28,"sentiment":"neutral","sentiment_score":0.054617551288434436}],"sentiment":"neutral","sentiment_score":0.05148455784048723,"channel":1,"num_words":23,"start":1098.12,"end":1110.28},{"sentences":[{"text":"Yep.","start":1110.235,"end":1110.635,"sentiment":"neutral","sentiment_score":0.04701550304889679}],"sentiment":"neutral","sentiment_score":0.04701550304889679,"channel":0,"num_words":1,"start":1110.235,"end":1110.635},{"sentences":[{"text":"Ansell,","start":1110.28,"end":1110.78,"sentiment":"neutral","sentiment_score":0.032152242958545685}],"sentiment":"neutral","sentiment_score":0.032152242958545685,"channel":1,"num_words":1,"start":1110.28,"end":1110.78},{"sentences":[{"text":"Yep.","start":1110.635,"end":1111.135,"sentiment":"neutral","sentiment_score":0.0532236322760582},{"text":"Yep.","start":1111.595,"end":1112.095,"sentiment":"neutral","sentiment_score":0.09839114546775818}],"sentiment":"neutral","sentiment_score":0.07580738887190819,"channel":0,"num_words":2,"start":1110.635,"end":1112.095},{"sentences":[{"text":"because I got a big feeling that in '27 when they get their LG, they lift some grade battery grade.","start":1113.275,"end":1121.615,"sentiment":"neutral","sentiment_score":0.12038625851273536},{"text":"Something to do with LG.","start":1123.515,"end":1125.535,"sentiment":"neutral","sentiment_score":0.07673718184232711},{"text":"They've got this big thing coming up in '27.","start":1125.595,"end":1128.095,"sentiment":"neutral","sentiment_score":0.11938136236535178},{"text":"And I'm picking shares with regards to about 40.","start":1129.03,"end":1131.85,"sentiment":"neutral","sentiment_score":0.05617926021416982}],"sentiment":"neutral","sentiment_score":0.10166178331818691,"channel":1,"num_words":43,"start":1113.275,"end":1131.85},{"sentences":[{"text":"Yeah.","start":1132.0951,"end":1132.495,"sentiment":"neutral","sentiment_score":0.13831159472465515}],"sentiment":"neutral","sentiment_score":0.13831159472465515,"channel":0,"num_words":1,"start":1132.0951,"end":1132.495},{"sentences":[{"text":"And","start":1132.47,"end":1132.97,"sentiment":"neutral","sentiment_score":0.1720035970211029}],"sentiment":"neutral","sentiment_score":0.1720035970211029,"channel":1,"num_words":1,"start":1132.47,"end":1132.97},{"sentences":[{"text":"Oh, fantastic.","start":1132.495,"end":1133.555,"sentiment":"positive","sentiment_score":0.5193293392658234}],"sentiment":"positive","sentiment_score":0.5193293392658234,"channel":0,"num_words":2,"start":1132.495,"end":1133.555},{"sentences":[{"text":"and then we've and then we've also got we've increased our bank balance to a 130.","start":1133.35,"end":1139.05,"sentiment":"neutral","sentiment_score":0.23191377613693476}],"sentiment":"neutral","sentiment_score":0.23191377613693476,"channel":1,"num_words":16,"start":1133.35,"end":1139.05},{"sentences":[{"text":"Oh, fantastic.","start":1139.87,"end":1140.7699,"sentiment":"positive","sentiment_score":0.5142537355422974},{"text":"Excellent.","start":1141.47,"end":1141.97,"sentiment":"positive","sentiment_score":0.5687509775161743},{"text":"And that and that's all going towards your offset account to help pay your loan down a little bit.","start":1142.19,"end":1146.4299,"sentiment":"positive","sentiment_score":0.33904426505691126},{"text":"Is that right?","start":1146.4299,"end":1146.99,"sentiment":"neutral","sentiment_score":0.1720264951388041},{"text":"That savings?","start":1146.99,"end":1147.73,"sentiment":"neutral","sentiment_score":0.08727115765213966}],"sentiment":"neutral","sentiment_score":0.32332301057047313,"channel":0,"num_words":27,"start":1139.87,"end":1147.73},{"sentences":[{"text":"Yep.","start":1148.0349,"end":1148.5349,"sentiment":"neutral","sentiment_score":0.09277477115392684},{"text":"All in offset.","start":1148.755,"end":1149.575,"sentiment":"neutral","sentiment_score":0.06758909299969673}],"sentiment":"neutral","sentiment_score":0.07388551253825426,"channel":1,"num_words":4,"start":1148.0349,"end":1149.575},{"sentences":[{"text":"Yeah.","start":1149.245,"end":1149.745,"sentiment":"neutral","sentiment_score":0.13905735313892365},{"text":"Yeah.","start":1150.205,"end":1150.6849,"sentiment":"neutral","sentiment_score":0.25995224714279175},{"text":"Beautiful.","start":1150.6849,"end":1151.1849,"sentiment":"positive","sentiment_score":0.508461594581604},{"text":"And, hopefully, a pay rise coming up for you as well.","start":1151.4049,"end":1153.8049,"sentiment":"neutral","sentiment_score":0.1495592939582738},{"text":"Are you due for a pay rise soon?","start":1153.8049,"end":1155.505,"sentiment":"neutral","sentiment_score":0.03392735496163368}],"sentiment":"neutral","sentiment_score":0.12836555764079094,"channel":0,"num_words":22,"start":1149.245,"end":1155.505},{"sentences":[{"text":"I had a pay rise.","start":1156.05,"end":1157.51,"sentiment":"neutral","sentiment_score":0.01709127202630043},{"text":"I think it was end of last year.","start":1159.5701,"end":1161.9901,"sentiment":"neutral","sentiment_score":0.01613261504098773}],"sentiment":"neutral","sentiment_score":0.016501329266108,"channel":1,"num_words":13,"start":1156.05,"end":1161.9901},{"sentences":[{"text":"Yeah.","start":1162.62,"end":1162.86,"sentiment":"neutral","sentiment_score":0.13322608172893524},{"text":"Nice.","start":1162.86,"end":1163.26,"sentiment":"neutral","sentiment_score":0.22910510003566745},{"text":"So hopefully end of this year, another one for you.","start":1163.26,"end":1165.9199,"sentiment":"neutral","sentiment_score":0.11152007207274436}],"sentiment":"neutral","sentiment_score":0.12312765854100387,"channel":0,"num_words":12,"start":1162.62,"end":1165.9199},{"sentences":[{"text":"I'm changing","start":1166.05,"end":1167.01,"sentiment":"neutral","sentiment_score":0.040984515100717545}],"sentiment":"neutral","sentiment_score":0.040984515100717545,"channel":1,"num_words":2,"start":1166.05,"end":1167.01},{"sentences":[{"text":"Cross","start":1166.86,"end":1167.1,"sentiment":"neutral","sentiment_score":0.021505888551473618}],"sentiment":"neutral","sentiment_score":0.021505888551473618,"channel":0,"num_words":1,"start":1166.86,"end":1167.1},{"sentences":[{"text":"roles","start":1167.01,"end":1167.3301,"sentiment":"neutral","sentiment_score":0.021492231637239456}],"sentiment":"neutral","sentiment_score":0.021492231637239456,"channel":1,"num_words":1,"start":1167.01,"end":1167.3301},{"sentences":[{"text":"your","start":1167.1,"end":1167.34,"sentiment":"neutral","sentiment_score":0.03654909133911133}],"sentiment":"neutral","sentiment_score":0.03654909133911133,"channel":0,"num_words":1,"start":1167.1,"end":1167.34},{"sentences":[{"text":"at","start":1167.3301,"end":1167.41,"sentiment":"neutral","sentiment_score":0.036995694041252136}],"sentiment":"neutral","sentiment_score":0.036995694041252136,"channel":1,"num_words":1,"start":1167.3301,"end":1167.41},{"sentences":[{"text":"fingers.","start":1167.34,"end":1167.84,"sentiment":"neutral","sentiment_score":0.04140402749180794}],"sentiment":"neutral","sentiment_score":0.04140402749180794,"channel":0,"num_words":1,"start":1167.34,"end":1167.84},{"sentences":[{"text":"work.","start":1167.41,"end":1167.81,"sentiment":"neutral","sentiment_score":0.03545577824115753},{"text":"I should be getting a","start":1167.81,"end":1168.6901,"sentiment":"neutral","sentiment_score":0.049615055322647095}],"sentiment":"neutral","sentiment_score":0.0472551758090655,"channel":1,"num_words":6,"start":1167.41,"end":1168.6901},{"sentences":[{"text":"Oh,","start":1168.62,"end":1168.94,"sentiment":"neutral","sentiment_score":0.02217470295727253}],"sentiment":"neutral","sentiment_score":0.02217470295727253,"channel":0,"num_words":1,"start":1168.62,"end":1168.94},{"sentences":[{"text":"pay rise","start":1168.6901,"end":1169.3301,"sentiment":"neutral","sentiment_score":0.017192517407238483}],"sentiment":"neutral","sentiment_score":0.017192517407238483,"channel":1,"num_words":2,"start":1168.6901,"end":1169.3301},{"sentences":[{"text":"are you?","start":1168.94,"end":1169.6,"sentiment":"neutral","sentiment_score":0.01571254013106227}],"sentiment":"neutral","sentiment_score":0.01571254013106227,"channel":0,"num_words":2,"start":1168.94,"end":1169.6},{"sentences":[{"text":"in the next few months.","start":1169.3301,"end":1170.55,"sentiment":"neutral","sentiment_score":0.025044084526598454}],"sentiment":"neutral","sentiment_score":0.025044084526598454,"channel":1,"num_words":5,"start":1169.3301,"end":1170.55},{"sentences":[{"text":"Oh, fantastic.","start":1171.02,"end":1171.9199,"sentiment":"positive","sentiment_score":0.4746723473072052},{"text":"Well, good luck with that.","start":1172.0599,"end":1173.1,"sentiment":"positive","sentiment_score":0.5731260418891907},{"text":"I hope it all goes really well.","start":1173.1,"end":1174.62,"sentiment":"positive","sentiment_score":0.5196239692824227},{"text":"Keep us updated there.","start":1174.62,"end":1176.08,"sentiment":"positive","sentiment_score":0.37144511193037033},{"text":"You know, obviously, with a pay rise, it does come with a bit more money.","start":1176.6951,"end":1179.575,"sentiment":"neutral","sentiment_score":0.03483811145027479}],"sentiment":"neutral","sentiment_score":0.2866877214700887,"channel":0,"num_words":33,"start":1171.02,"end":1179.575},{"sentences":[{"text":"You pay a little bit more taxes.","start":1179.575,"end":1180.935,"sentiment":"neutral","sentiment_score":-0.049545568014894216},{"text":"Well, unfortunately, the tax penalties are coming no matter what we do.","start":1180.935,"end":1184.075,"sentiment":"neutral","sentiment_score":-0.09280191268771887},{"text":"But if you ever you know, if you find you do have a bit of extra cash there that you wanna maybe look at extra contributions, feel free to let me know.","start":1184.375,"end":1190.76,"sentiment":"neutral","sentiment_score":0.22738367808051407},{"text":"Those sorts of things can definitely provide a boost to your super.","start":1191.0,"end":1193.9,"sentiment":"positive","sentiment_score":0.5679894660909971},{"text":"And starting earlier helps the compounding effect rather than later as well.","start":1194.4401,"end":1198.36,"sentiment":"positive","sentiment_score":0.4003195601205031}],"sentiment":"neutral","sentiment_score":0.23247392113010087,"channel":0,"num_words":75,"start":1179.575,"end":1198.36},{"sentences":[{"text":"And something as simple as 20 or $50 a week or a fortnight can make a difference over the next ten years as well.","start":1198.36,"end":1204.28,"sentiment":"positive","sentiment_score":0.6967758685350418},{"text":"So let me know if it's something you wanna look at or if you find your cash flow allowed for it.","start":1204.28,"end":1209.255,"sentiment":"neutral","sentiment_score":0.2904893606901169},{"text":"Okay?","start":1209.395,"end":1209.895,"sentiment":"neutral","sentiment_score":0.1503829061985016}],"sentiment":"positive","sentiment_score":0.49941913751156436,"channel":0,"num_words":46,"start":1198.36,"end":1209.895},{"sentences":[{"text":"Mhmm.","start":1210.585,"end":1210.92,"sentiment":"neutral","sentiment_score":0.1003103405237198}],"sentiment":"neutral","sentiment_score":0.1003103405237198,"channel":1,"num_words":1,"start":1210.585,"end":1210.92},{"sentences":[{"text":"On page number 24 at the very bottom there, we do have a bit of a different table for you.","start":1211.715,"end":1216.355,"sentiment":"neutral","sentiment_score":0.13437265995889902},{"text":"So the projection shows the current and recommended, and this is exactly the same.","start":1216.355,"end":1220.615,"sentiment":"neutral","sentiment_score":0.2168913728424481},{"text":"However, the difference in the last column is no insurances.","start":1220.8,"end":1223.46,"sentiment":"neutral","sentiment_score":-0.05990159399807453},{"text":"So we all have insurances.","start":1223.76,"end":1225.3,"sentiment":"neutral","sentiment_score":-0.019456174224615097},{"text":"It's important to have those kinds of cover to protect us in the event that something was to happen.","start":1225.4401,"end":1230.34,"sentiment":"neutral","sentiment_score":0.07413086255914286}],"sentiment":"neutral","sentiment_score":0.0946488528895904,"channel":0,"num_words":68,"start":1211.715,"end":1230.34},{"sentences":[{"text":"However, this sort of shows you if you didn't have cover, everything was in kind of one place and you still got the same return projected above.","start":1230.72,"end":1237.595,"sentiment":"neutral","sentiment_score":0.21575925181861277},{"text":"Essentially, you could see just a a greater gain in your ten year projection.","start":1238.0549,"end":1242.635,"sentiment":"positive","sentiment_score":0.4995032570191792},{"text":"It's admittedly, it's only minimal.","start":1243.335,"end":1245.595,"sentiment":"neutral","sentiment_score":0.1509689435362816},{"text":"Your insurances aren't that expensive, and so keeping them doesn't have a massive effect there.","start":1245.975,"end":1251.1699,"sentiment":"neutral","sentiment_score":0.11394045154253642},{"text":"But we just like to show you the difference.","start":1251.1699,"end":1253.0299,"sentiment":"neutral","sentiment_score":0.1997131754954656}],"sentiment":"neutral","sentiment_score":0.2439987923949957,"channel":0,"num_words":70,"start":1230.72,"end":1253.0299},{"sentences":[{"text":"Okay.","start":1253.25,"end":1253.75,"sentiment":"neutral","sentiment_score":0.2033708691596985}],"sentiment":"neutral","sentiment_score":0.2033708691596985,"channel":0,"num_words":1,"start":1253.25,"end":1253.75},{"sentences":[{"text":"Mhmm.","start":1254.38,"end":1254.88,"sentiment":"neutral","sentiment_score":0.245252788066864}],"sentiment":"neutral","sentiment_score":0.245252788066864,"channel":1,"num_words":1,"start":1254.38,"end":1254.88},{"sentences":[{"text":"Excellent.","start":1255.6499,"end":1256.1499,"sentiment":"positive","sentiment_score":0.47477850317955017},{"text":"And then at the very end, they're just making sure that we do retain your beneficiaries within CBAS and hub twenty four, making sure that they are applied.","start":1256.45,"end":1265.235,"sentiment":"neutral","sentiment_score":0.2993425971695355},{"text":"We have binding non lapsing for your spouse and binding lapsing within CBAS to your spouse as well.","start":1265.235,"end":1270.135,"sentiment":"neutral","sentiment_score":0.16903860370318094},{"text":"The main difference between those beneficiaries is binding non lapsing means within hub 24.","start":1270.6749,"end":1275.4,"sentiment":"neutral","sentiment_score":0.06656866653689317},{"text":"That beneficiary stays in place continuously.","start":1275.4,"end":1277.8201,"sentiment":"neutral","sentiment_score":0.12049392486612003}],"sentiment":"neutral","sentiment_score":0.20229837270592577,"channel":0,"num_words":67,"start":1255.6499,"end":1277.8201},{"sentences":[{"text":"However, Cbus only allow a binding lapsing nomination, so it does need to be updated every generally, every three years.","start":1278.2,"end":1285.1,"sentiment":"neutral","sentiment_score":0.04398050708696246},{"text":"What we can do is we have a TPA on file with Cbus, and we'll monitor when that's due and when this the beneficiary is due to lapse.","start":1285.4,"end":1293.125,"sentiment":"neutral","sentiment_score":0.217805092888219},{"text":"We'll make sure we contact you and have that updated.","start":1293.125,"end":1295.865,"sentiment":"neutral","sentiment_score":0.2855872169137001},{"text":"That way it doesn't lapse.","start":1296.245,"end":1297.525,"sentiment":"positive","sentiment_score":0.34100363254547117},{"text":"And that way, you know, there's no risk of anything.","start":1297.525,"end":1299.9451,"sentiment":"positive","sentiment_score":0.3744105711579323}],"sentiment":"neutral","sentiment_score":0.20935820254867207,"channel":0,"num_words":73,"start":1278.2,"end":1299.9451},{"sentences":[{"text":"Your spouse not being able to get those funds or claim those funds in the event if you're passing away.","start":1300.3251,"end":1305.545,"sentiment":"neutral","sentiment_score":0.1633770741522312},{"text":"Keeping in mind, I hope that never happens.","start":1305.6799,"end":1307.6,"sentiment":"neutral","sentiment_score":0.03147063171491027},{"text":"I would love to get you to retirement and then see you through retirement there.","start":1307.6,"end":1311.86,"sentiment":"positive","sentiment_score":0.639520937204361},{"text":"We don't want anything to happen.","start":1312.16,"end":1313.52,"sentiment":"neutral","sentiment_score":-0.26658789068460464},{"text":"This is one of those conversations we do have to have, unfortunately.","start":1313.52,"end":1316.26,"sentiment":"neutral","sentiment_score":-0.12505161886413893}],"sentiment":"neutral","sentiment_score":0.16413071843200042,"channel":0,"num_words":61,"start":1300.3251,"end":1316.26},{"sentences":[{"text":"Okay?","start":1316.96,"end":1317.46,"sentiment":"neutral","sentiment_score":-0.03399135172367096}],"sentiment":"neutral","sentiment_score":-0.03399135172367096,"channel":0,"num_words":1,"start":1316.96,"end":1317.46},{"sentences":[{"text":"Mhmm.","start":1318.6951,"end":1319.1951,"sentiment":"neutral","sentiment_score":0.00690325815230608}],"sentiment":"neutral","sentiment_score":0.00690325815230608,"channel":1,"num_words":1,"start":1318.6951,"end":1319.1951},{"sentences":[{"text":"And then just also making sure that you do establish your will and beneficiary power of attorney.","start":1319.455,"end":1323.9349,"sentiment":"neutral","sentiment_score":0.0976967206772636},{"text":"So, essentially, one of the things we did sort of talk about in the annual review was that you mentioned you don't have a will or power of attorney set up.","start":1323.9349,"end":1330.95,"sentiment":"neutral","sentiment_score":0.05267873186347706},{"text":"Your beneficiaries protect your your life insurances and your super.","start":1331.35,"end":1336.25,"sentiment":"neutral","sentiment_score":0.15043569058179856},{"text":"However, everything else that you've worked so hard for, your house, your savings, your cars, everything like that still needs to be protected.","start":1336.7899,"end":1344.01,"sentiment":"neutral","sentiment_score":0.048999886392899185},{"text":"And, look, honestly, a lot of people just assume everything goes automatically to their spouse.","start":1344.645,"end":1348.905,"sentiment":"neutral","sentiment_score":-0.10418450136979421}],"sentiment":"neutral","sentiment_score":0.04544241366238566,"channel":0,"num_words":96,"start":1319.455,"end":1348.905},{"sentences":[{"text":"And while, yes, in most states, that is absolutely true, it does also have to go through a probate process even if it's just you and your spouse or you passed away or she passed away without having a will in place to protect your assets.","start":1349.125,"end":1362.16,"sentiment":"neutral","sentiment_score":-0.16205565169777558},{"text":"Everything still has to go through probate, and it can essentially mean that other parties can come forward, people you may not want to, family members you may not have spoken to in years, who can come forward and stake a claim on your assets.","start":1362.7001,"end":1375.695,"sentiment":"neutral","sentiment_score":-0.28247690233919354},{"text":"I have seen instances where the assets have not been provided to the people that that the the person who passed away wanted them to go to.","start":1376.155,"end":1383.455,"sentiment":"neutral","sentiment_score":-0.21105607681804234},{"text":"And while in most instances, everything goes to your wife, there are some cases where a judge of the court system may see or legislation may allow for other parties to be paid out some of your, estate.","start":1384.155,"end":1396.72,"sentiment":"neutral","sentiment_score":-0.1523871253195562},{"text":"So it is really important to make sure a will and a power of attorney is done up.","start":1396.86,"end":1401.2,"sentiment":"neutral","sentiment_score":0.17282699710792965}],"sentiment":"neutral","sentiment_score":-0.1640480429405111,"channel":0,"num_words":174,"start":1349.125,"end":1401.2},{"sentences":[{"text":"You can also if you, speak to, like, your local government agencies, they tend to do them fairly cheaply.","start":1401.6599,"end":1408.135,"sentiment":"neutral","sentiment_score":0.25153008495506485},{"text":"And we can also send you, if you would like, some information on local solicitor or anywhere else that might do well very cheaply.","start":1408.675,"end":1416.3551,"sentiment":"neutral","sentiment_score":0.28155889362096786},{"text":"You can also get a will kit just from the post office as well.","start":1416.3551,"end":1419.81,"sentiment":"neutral","sentiment_score":0.2578954888241632},{"text":"I had a look last time.","start":1420.05,"end":1421.17,"sentiment":"neutral","sentiment_score":0.21430908143520355},{"text":"I think they're about $30.","start":1421.17,"end":1422.7101,"sentiment":"neutral","sentiment_score":0.28225460946559905}],"sentiment":"neutral","sentiment_score":0.26241396236069064,"channel":0,"num_words":68,"start":1401.6599,"end":1422.7101},{"sentences":[{"text":"And as long as you fill those will kits out correctly for the the prompt, then they can be just as valid as well.","start":1423.01,"end":1430.4501,"sentiment":"positive","sentiment_score":0.38655890213946503},{"text":"But it's just about making sure that everything you've worked hard for is protected and distributed in the event that you're passing to where you want them to go.","start":1430.4501,"end":1439.305,"sentiment":"neutral","sentiment_score":0.20038933435390735},{"text":"Okay?","start":1439.4451,"end":1439.9451,"sentiment":"neutral","sentiment_score":0.09025490283966064}],"sentiment":"neutral","sentiment_score":0.2810918379712988,"channel":0,"num_words":54,"start":1423.01,"end":1439.9451},{"sentences":[{"text":"Mhmm.","start":1440.7849,"end":1441.2849,"sentiment":"neutral","sentiment_score":0.08388010412454605}],"sentiment":"neutral","sentiment_score":0.08388010412454605,"channel":1,"num_words":1,"start":1440.7849,"end":1441.2849},{"sentences":[{"text":"Yeah.","start":1441.845,"end":1442.3251,"sentiment":"neutral","sentiment_score":0.2936932444572449},{"text":"Beautiful.","start":1442.3251,"end":1442.8251,"sentiment":"positive","sentiment_score":0.6937874555587769},{"text":"That's essentially all of the recommendations there.","start":1443.845,"end":1446.165,"sentiment":"positive","sentiment_score":0.5800062077386039},{"text":"It's a nice easy one for you this afternoon.","start":1446.165,"end":1448.425,"sentiment":"positive","sentiment_score":0.7793775267071195},{"text":"You are an ongoing client.","start":1448.86,"end":1450.1399,"sentiment":"positive","sentiment_score":0.3599149644374847}],"sentiment":"positive","sentiment_score":0.6026737702929456,"channel":0,"num_words":23,"start":1441.845,"end":1450.1399},{"sentences":[{"text":"You do pay the ongoing service fees.","start":1450.1399,"end":1451.82,"sentiment":"neutral","sentiment_score":0.29303926868098124},{"text":"So all the advice provided, there's no implementation fees for doing any of this.","start":1451.82,"end":1455.9199,"sentiment":"positive","sentiment_score":0.3531169912644795},{"text":"It's all part of our services and just making sure we've updated the advice and recommendations there for you because we had to retain C bus last year.","start":1455.98,"end":1463.525,"sentiment":"positive","sentiment_score":0.3354971038975886},{"text":"The last advice they didn't allow us to do the rollover, so I wanted to make sure this was updated for you.","start":1463.525,"end":1468.7251,"sentiment":"neutral","sentiment_score":-0.005905563858422366},{"text":"And, also, just make sure we're reviewing the investments for you regularly as well because the investments provided when you came on board or a couple of years ago may not be appropriate now.","start":1468.7251,"end":1478.36,"sentiment":"neutral","sentiment_score":-0.06930623926660594}],"sentiment":"neutral","sentiment_score":0.13240473454906826,"channel":0,"num_words":105,"start":1450.1399,"end":1478.36},{"sentences":[{"text":"We wanted to update the the portfolio now because there are some underperforming or changes to the investments, and then we'll keep reviewing those more for you because in another couple of years or another year or two, there may need to be some changes again.","start":1478.36,"end":1489.96,"sentiment":"neutral","sentiment_score":-0.027824576215251633},{"text":"So advice is very much fluid.","start":1489.96,"end":1492.365,"sentiment":"neutral","sentiment_score":0.10024391363064449},{"text":"It needs to change as your life changes as well.","start":1492.365,"end":1495.565,"sentiment":"neutral","sentiment_score":0.19328827857971193},{"text":"So it's about making sure we update these for you, and we enjoy putting it together there.","start":1495.565,"end":1500.865,"sentiment":"positive","sentiment_score":0.6104582250118256},{"text":"As moving forward, did you want me to do I know you do for a review at the end of the year there, but did you wanna do a bit of a catch up in a few months, or are you happy to touch base at the end of the year for your review?","start":1501.485,"end":1511.75,"sentiment":"neutral","sentiment_score":0.08752256155841881}],"sentiment":"neutral","sentiment_score":0.12299566850402302,"channel":0,"num_words":133,"start":1478.36,"end":1511.75},{"sentences":[{"text":"What would you like, Aaron?","start":1511.75,"end":1513.05,"sentiment":"neutral","sentiment_score":0.05736283883452416}],"sentiment":"neutral","sentiment_score":0.05736283883452416,"channel":0,"num_words":5,"start":1511.75,"end":1513.05},{"sentences":[{"text":"I prefer NDA.","start":1513.255,"end":1514.3151,"sentiment":"neutral","sentiment_score":0.14853300154209137}],"sentiment":"neutral","sentiment_score":0.14853300154209137,"channel":1,"num_words":3,"start":1513.255,"end":1514.3151},{"sentences":[{"text":"And does a year just once a year make it nice and simple for you?","start":1515.11,"end":1518.49,"sentiment":"neutral","sentiment_score":0.19281359016895294}],"sentiment":"neutral","sentiment_score":0.19281359016895294,"channel":0,"num_words":15,"start":1515.11,"end":1518.49},{"sentences":[{"text":"Mhmm.","start":1518.775,"end":1519.175,"sentiment":"neutral","sentiment_score":0.05975857377052307},{"text":"Yeah.","start":1519.175,"end":1519.675,"sentiment":"neutral","sentiment_score":0.09957875311374664}],"sentiment":"neutral","sentiment_score":0.07966866344213486,"channel":1,"num_words":2,"start":1518.775,"end":1519.675},{"sentences":[{"text":"Yeah.","start":1520.365,"end":1520.765,"sentiment":"neutral","sentiment_score":0.1817653775215149},{"text":"Beautiful.","start":1520.765,"end":1521.265,"sentiment":"positive","sentiment_score":0.462418794631958},{"text":"Not an issue at all.","start":1521.485,"end":1523.105,"sentiment":"neutral","sentiment_score":0.2187155678868294},{"text":"Well, look.","start":1523.245,"end":1523.805,"sentiment":"neutral","sentiment_score":0.1110675111413002},{"text":"I've got the document there for you with all the product disclosure statements, our financial services guide, and any other additional documents required.","start":1523.805,"end":1530.785,"sentiment":"neutral","sentiment_score":0.1706286908491798}],"sentiment":"neutral","sentiment_score":0.18388615385629237,"channel":0,"num_words":32,"start":1520.365,"end":1530.785},{"sentences":[{"text":"Feel free to run your eyes over that one.","start":1531.245,"end":1533.085,"sentiment":"neutral","sentiment_score":0.227982383635309},{"text":"Have a bit of a look.","start":1533.085,"end":1533.965,"sentiment":"neutral","sentiment_score":0.15760513550291458},{"text":"If you do decide to take on the recommendations, we'll get you to sign and return it back so we can have the investment switch completed nice and easily for you.","start":1533.965,"end":1541.31,"sentiment":"positive","sentiment_score":0.3850142691404589},{"text":"If you do find you have any questions, please let me know.","start":1541.53,"end":1544.43,"sentiment":"neutral","sentiment_score":0.08462551391373078},{"text":"I've outlined some of the advantages, disadvantages, risks, and things involved, and there's others noted there for you to run your eyes over as well.","start":1544.65,"end":1551.765,"sentiment":"neutral","sentiment_score":0.10219192579388618}],"sentiment":"neutral","sentiment_score":0.2229303484445954,"channel":0,"num_words":83,"start":1531.245,"end":1551.765},{"sentences":[{"text":"Okay.","start":1551.8251,"end":1552.3251,"sentiment":"neutral","sentiment_score":0.1178140789270401}],"sentiment":"neutral","sentiment_score":0.1178140789270401,"channel":0,"num_words":1,"start":1551.8251,"end":1552.3251},{"sentences":[{"text":"Mhmm.","start":1553.375,"end":1553.875,"sentiment":"neutral","sentiment_score":0.14515912532806396}],"sentiment":"neutral","sentiment_score":0.14515912532806396,"channel":1,"num_words":1,"start":1553.375,"end":1553.875},{"sentences":[{"text":"All good.","start":1554.0651,"end":1554.465,"sentiment":"positive","sentiment_score":0.4406755715608597},{"text":"Do you have any questions or anything you wanted me to look at or anything you wanted to ask while you've got me here at all?","start":1554.465,"end":1560.63,"sentiment":"neutral","sentiment_score":0.14112730180987945}],"sentiment":"neutral","sentiment_score":0.16252360679209232,"channel":0,"num_words":28,"start":1554.0651,"end":1560.63},{"sentences":[{"text":"No.","start":1560.86,"end":1561.1799,"sentiment":"neutral","sentiment_score":0.03673547878861427},{"text":"I'm good.","start":1561.1799,"end":1561.5,"sentiment":"neutral","sentiment_score":0.18059366941452026},{"text":"I'm good.","start":1561.5,"end":1562.32,"sentiment":"positive","sentiment_score":0.35482555627822876}],"sentiment":"neutral","sentiment_score":0.22151478603482247,"channel":1,"num_words":5,"start":1560.86,"end":1562.32},{"sentences":[{"text":"Yeah.","start":1562.79,"end":1563.11,"sentiment":"neutral","sentiment_score":0.3287702202796936},{"text":"All good.","start":1563.11,"end":1563.59,"sentiment":"positive","sentiment_score":0.44543829560279846},{"text":"Well, I will let you go.","start":1563.59,"end":1564.63,"sentiment":"positive","sentiment_score":0.42111929257710773},{"text":"You're probably ready to have a good afternoon and sit down and put your feet up, so I'll let you go to do that.","start":1564.63,"end":1570.09,"sentiment":"positive","sentiment_score":0.5320402818421522},{"text":"I appreciate your time this afternoon, and let me know if there's anything you need.","start":1570.15,"end":1574.07,"sentiment":"positive","sentiment_score":0.5571681499481201}],"sentiment":"positive","sentiment_score":0.5181844079246124,"channel":0,"num_words":48,"start":1562.79,"end":1574.07},{"sentences":[{"text":"Okay?","start":1574.07,"end":1574.57,"sentiment":"neutral","sentiment_score":0.2960781455039978}],"sentiment":"neutral","sentiment_score":0.2960781455039978,"channel":0,"num_words":1,"start":1574.07,"end":1574.57},{"sentences":[{"text":"Thank you so much for your time.","start":1574.745,"end":1576.2051,"sentiment":"positive","sentiment_score":0.6263009565217155}],"sentiment":"positive","sentiment_score":0.6263009565217155,"channel":1,"num_words":7,"start":1574.745,"end":1576.2051},{"sentences":[{"text":"No worries.","start":1576.6569,"end":1577.2969,"sentiment":"neutral","sentiment_score":0.31072352826595306},{"text":"Thanks, Aaron.","start":1577.2969,"end":1578.0168,"sentiment":"positive","sentiment_score":0.41755954921245575},{"text":"Talk soon.","start":1578.0168,"end":1578.4968,"sentiment":"positive","sentiment_score":0.3548950105905533},{"text":"See you later.","start":1578.4968,"end":1579.3169,"sentiment":"neutral","sentiment_score":0.3160380721092224}],"sentiment":"positive","sentiment_score":0.34605226582951015,"channel":0,"num_words":9,"start":1576.6569,"end":1579.3169},{"sentences":[{"text":"Bye bye.","start":1579.2251,"end":1580.045,"sentiment":"neutral","sentiment_score":0.20967824012041092}],"sentiment":"neutral","sentiment_score":0.20967824012041092,"channel":1,"num_words":2,"start":1579.2251,"end":1580.045},{"sentences":[{"text":"Bye.","start":1580.4169,"end":1580.9169,"sentiment":"neutral","sentiment_score":0.12446609139442444}],"sentiment":"neutral","sentiment_score":0.12446609139442444,"channel":0,"num_words":1,"start":1580.4169,"end":1580.9169}]},"summary":{"result":"success","short":"The speaker recommends retaining investment and rolling over the investment portfolio, removing underperforming investments, selling gold and silver, and increasing exposure to gold and silver. They also discuss the importance of diversification in the market and adding beta shares and Vanguard for better performance. The speaker emphasizes the need to retain cash in the hub twenty four account and update the portfolio to ensure the best possible outcome for retirement. They also discuss the benefits of a passively managed fund and the importance of staying on track and updating the portfolio for retirement planning. The speaker reminds the customer to review their investment portfolio and offers to answer any questions or concerns."},"intents":{"segments":[{"text":"I had you booked in to run through your updated statement of advice. Is now still a good time there for you? Yeah.","start_word":22,"end_word":44,"intents":[{"intent":"Check availability","confidence_score":0.017970389}]},{"text":"Erin, do you happen to have access to your email, sir, at the moment at all? Or is Yes.","start_word":49,"end_word":67,"intents":[{"intent":"Check email","confidence_score":0.03023551},{"intent":"Check email","confidence_score":0.04545621}]},{"text":"And also just to do security there with you, just to confirm your full name, your date of birth, and address I should have on Aaron, that's a new 16 gosh from Crescent Chrome, and that is 12 in section nineteen seventy six. file.","start_word":150,"end_word":193,"intents":[{"intent":"Confirm security","confidence_score":0.02702027},{"intent":"Confirm details","confidence_score":0.009854165}]},{"text":"We've also scoped in the insurance side of things. So, essentially, having a look, we do have to retain C Bus to retain the insurances for you, essentially keeping your life and TPD in place as appropriate until you do pay off your mortgage and become fully debt free.","start_word":564,"end_word":612,"intents":[{"intent":"Retain cbus","confidence_score":0.004855442},{"intent":"Keep insurances","confidence_score":0.016544005}]},{"text":"But for the time being, just looking at what we can do with your super funds, retain your insurances, and just make sure things are working harder for you investment wise there as well. Okay?","start_word":633,"end_word":667,"intents":[{"intent":"Improve investment performance","confidence_score":0.09129283}]},{"text":"Within hub twenty four, I did go back and review the portfolio looking at how it has been performing and had made us that there had been some underperforming investments and some changes that we did need to make to your portfolio there.","start_word":895,"end_word":937,"intents":[{"intent":"Discuss portfolio updates","confidence_score":0.00015975261}]},{"text":"We're also gonna keep the physical gold there and increase your exposure.","start_word":1210,"end_word":1221,"intents":[{"intent":"Maintaining physical gold","confidence_score":0.019186348}]},{"text":"We're also gonna keep the physical gold there and increase your exposure. So it has done very, very well. Physical gold had a little bit of a dip in the last few weeks, but it has done very well and has been at a thirty year high. So, essentially, you wanna keep physical gold in your portfolio and just increase your exposure back to about 10% there for you.","start_word":1210,"end_word":1278,"intents":[{"intent":"Optimizing portfolio exposure","confidence_score":0.014705833}]},{"text":"But you're a little bit overexposed at the moment, so just rebalancing your portfolio and bring your exposure back to 5% with that one.","start_word":1318,"end_word":1341,"intents":[{"intent":"Rebalancing portfolio","confidence_score":0.016369829}]},{"text":"So a growth portfolio is generally 80% in those growth areas, like Australian international shares, listed property, and also commodities like gold and silver, and holding 20% in defensive investments, things like cash, bonds, and fixed interest.","start_word":1378,"end_word":1414,"intents":[{"intent":"Discuss holding of investments","confidence_score":8.0594566e-7}]},{"text":"So because we're getting rid of the bank hybrids there, we're gonna be increasing your exposure into the core composite bonds. They're giving you access to both government and corporate bonds. It also utilizes the ventures and other things a little bit a little bit of global exposure there as well for you.","start_word":1414,"end_word":1466,"intents":[{"intent":"Identify bank hybrids and bank hybrids","confidence_score":0.0012523785}]},{"text":"We'll be selling off a VanEck property and removing the beta shares, roughly a 200 as well.","start_word":1570,"end_word":1586,"intents":[{"intent":"Mention buying and selling a vaneck property","confidence_score":0.00058937736}]},{"text":"Purchasing into Europe, the European exposure is a great place to be, and the iShares Europe investment gives you exposure to all the European companies sorry, countries and all the companies within that on the exchanges. And also the Japan.","start_word":1632,"end_word":1671,"intents":[{"intent":"Describe ishares europe investment","confidence_score":0.0019945262}]},{"text":"And on the point of diversification, making sure that we're diversifying across across as many countries as possible as diversification is one of the best ways to mitigate market risk.","start_word":1696,"end_word":1725,"intents":[{"intent":"Define portfolio diversification","confidence_score":0.000032469885},{"intent":"Highlight market risk mitigation","confidence_score":0.00027615333}]},{"text":"So looking at existing markets as well as up and coming there as well, This investment has done very, very well, and it's about making sure that we're minimizing as much risk as we possibly can within the market there.","start_word":1790,"end_word":1829,"intents":[{"intent":"Reduce risk","confidence_score":0.012137591},{"intent":"Maximize risk","confidence_score":0.040007696}]},{"text":"And as I mentioned, diversification is one of the best ways to do that for you. Okay?","start_word":1830,"end_word":1846,"intents":[{"intent":"Offer portfolio diversification","confidence_score":0.0024558706}]},{"text":"Essentially, the next page outline there that we'll still keep cash in your account. We do need to keep 1.25% cash in the hub twenty four cash account there for you.","start_word":2014,"end_word":2044,"intents":[{"intent":"Keep cash in account","confidence_score":0.0067623486}]},{"text":"When we look at how the portfolios have performed over the past and the future, so the older portfolio between the two funds, when we look at the rate of debt, it's averaged about 8.52% on the five year rolling out, which was not bad in any way, shape, or form.","start_word":2444,"end_word":2494,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.5093493}]},{"text":"It does wanna show that projecting this out for you, you are looking at an income of about $1,000 a week in retirement.","start_word":2807,"end_word":2829,"intents":[{"intent":"Project income","confidence_score":0.06898566}]},{"text":"That could absolutely change there, but we've considered your asset position at the time.","start_word":2830,"end_word":2843,"intents":[{"intent":"Review asset position","confidence_score":0.4172821}]},{"text":"We do expect you to be able to access some age pension there as well given your current circumstances.","start_word":2874,"end_word":2892,"intents":[{"intent":"Access age pension","confidence_score":0.89071816}]},{"text":"So at the moment, we're just looking at what you've got currently with your two funds, keeping your insurances in place.","start_word":2990,"end_word":3010,"intents":[{"intent":"Keep insurances","confidence_score":0.065803476}]},{"text":"And also making sure that every year, we review your investments and your returns to see how you're sort of working forward.","start_word":3087,"end_word":3108,"intents":[{"intent":"Review investments and returns","confidence_score":0.21448922}]},{"text":"Obviously, if you get a better return, that 10%, that's just an average of what this portfolio has seen over the past five years. We know that some years, you could get a 20% return, some years, a 5% return, some years, a 10% return. So it's just about working with the market and making sure we're staying on track and trying to get the best possible outcome over the longer term there.","start_word":3109,"end_word":3181,"intents":[{"intent":"Get best outcome","confidence_score":0.02881974}]},{"text":"But moving down down the track, if you are comfortable to do so, it would be worth looking at additional contributions to help boost your super as well. Essentially, thinking that your super is a bit like your car, your contributions and your portfolio essentially are the fuel. And adding those together, it fills your car up a lot faster and helps your portfolio work a little bit harder there as well.","start_word":3183,"end_word":3254,"intents":[{"intent":"Improve super","confidence_score":0.013410057}]},{"text":"So it is something to keep keep monitoring and looking at with you, but I just wanted to sort of show you that with the research, with the changes that we're making here at the moment, this is essentially the forecast and projection that we've got here just so you can sort of see where you're tracking.","start_word":3307,"end_word":3363,"intents":[{"intent":"Monitor progress","confidence_score":0.016367674}]},{"text":"I've also got it in here noting that we are retaining your life and TPD within C Bus for the time being. We'll keep reviewing that with you. Admittedly, you don't have a lot of life and TPD, but given your health, it is important to sort of make sure, you know, where you have the best kind of cover possible.","start_word":3378,"end_word":3438,"intents":[{"intent":"Acquire life insurance","confidence_score":0.00014150982},{"intent":"Maintain life coverage","confidence_score":0.030203655}]},{"text":"And if you wanted to look at trying to invest in other ways to close that gap, we can also have those conversations with you as well. Okay? Mhmm.","start_word":3512,"end_word":3540,"intents":[{"intent":"Understand investment opportunities","confidence_score":0.00013085721}]},{"text":"And then at the very end, they're just making sure that we do retain your beneficiaries within CBAS and hub twenty four, making sure that they are applied.","start_word":4083,"end_word":4110,"intents":[{"intent":"Retain beneficiaries","confidence_score":0.00835202}]},{"text":"What we can do is we have a TPA on file with Cbus, and we'll monitor when that's due and when this the beneficiary is due to lapse. We'll make sure we contact you and have that updated. That way it doesn't lapse. And that way, you know, there's no risk of anything. Your spouse not being able to get those funds or claim those funds in the event if you're passing away.","start_word":4169,"end_word":4241,"intents":[{"intent":"Update tpa","confidence_score":0.19435507},{"intent":"Monitor lapsed funds","confidence_score":0.13489789}]},{"text":"And then just also making sure that you do establish your will and beneficiary power of attorney.","start_word":4285,"end_word":4301,"intents":[{"intent":"Set up will and beneficiary power of attorney","confidence_score":0.18290718}]},{"text":"I have seen instances where the assets have not been provided to the people that that the the person who passed away wanted them to go to. And while in most instances, everything goes to your wife, there are some cases where a judge of the court system may see or legislation may allow for other parties to be paid out some of your, estate.","start_word":4472,"end_word":4536,"intents":[{"intent":"Prevent future cases","confidence_score":0.0000032808896}]},{"text":"You can also if you, speak to, like, your local government agencies, they tend to do them fairly cheaply.","start_word":4555,"end_word":4573,"intents":[{"intent":"Speak to local government agencies","confidence_score":0.4419355}]},{"text":"You can also get a will kit just from the post office as well. I had a look last time. I think they're about $30. And as long as you fill those will kits out correctly for the the prompt, then they can be just as valid as well.","start_word":4598,"end_word":4646,"intents":[{"intent":"Request for will kits","confidence_score":0.000007996466}]},{"text":"That's essentially all of the recommendations there. It's a nice easy one for you this afternoon. You are an ongoing client. You do pay the ongoing service fees. So all the advice provided, there's no implementation fees for doing any of this. It's all part of our services and just making sure we've updated the advice and recommendations there for you because we had to retain C bus last year.","start_word":4680,"end_word":4749,"intents":[{"intent":"Update adviser recommendations","confidence_score":0.0031635808}]},{"text":"If you do decide to take on the recommendations, we'll get you to sign and return it back so we can have the investment switch completed nice and easily for you. If you do find you have any questions, please let me know. I've outlined some of the advantages, disadvantages, risks, and things involved, and there's others noted there for you to run your eyes over as well. Okay.","start_word":5012,"end_word":5080,"intents":[{"intent":"Provide recommendations","confidence_score":0.014507728},{"intent":"Provide recommendations","confidence_score":0.0756745}]},{"text":"I've outlined some of the advantages, disadvantages, risks, and things involved, and there's others noted there for you to run your eyes over as well. Okay.","start_word":5054,"end_word":5079,"intents":[{"intent":"Discuss advantages and disadvantages","confidence_score":0.008804327}]},{"text":"Do you have any questions or anything you wanted me to look at or anything you wanted to ask while you've got me here at all?","start_word":5083,"end_word":5108,"intents":[{"intent":"Welcome","confidence_score":0.00078073284}]},{"text":"Do you have any questions or anything you wanted me to look at or anything you wanted to ask while you've got me here at all? No.","start_word":5083,"end_word":5109,"intents":[{"intent":"Offer help","confidence_score":0.004981224}]}]},"sentiments":{"segments":[{"text":"Hi, speaking. Hi. Hi, Aaron. It's Dana from Mercy Financial. How are you this afternoon?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.1934794932603836},{"text":"Good. Yourself? I'm very well. Thank you.","start_word":15,"end_word":21,"sentiment":"positive","sentiment_score":0.5857024192810059},{"text":"I had you booked in to run through your updated statement of advice. Is now still a good time there for you? Yeah.","start_word":22,"end_word":44,"sentiment":"neutral","sentiment_score":0.2959791421890259},{"text":"Very good.","start_word":45,"end_word":46,"sentiment":"positive","sentiment_score":0.3846942186355591},{"text":"Yeah.","start_word":47,"end_word":47,"sentiment":"neutral","sentiment_score":0.2447200119495392},{"text":"Fantastic.","start_word":48,"end_word":48,"sentiment":"positive","sentiment_score":0.48182135820388794},{"text":"Erin, do you happen to have access to your email, sir, at the moment at all? Or is Yes. I Not do. Yeah. really. Yeah.","start_word":49,"end_word":73,"sentiment":"neutral","sentiment_score":0.03455092012882233},{"text":"Beautiful.","start_word":74,"end_word":74,"sentiment":"positive","sentiment_score":0.3800959587097168},{"text":"What I'll do is I'll send you an email with the statement of advice. So if you've got a chance, you're able to open that up. This is easier if we go through it together. Before I jump into the call, I just need to also let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. It's fine. Yeah.","start_word":75,"end_word":146,"sentiment":"neutral","sentiment_score":0.15428990125656128},{"text":"You're Fantastic. good.","start_word":147,"end_word":149,"sentiment":"positive","sentiment_score":0.5967738032341003},{"text":"And also just to do security there with you, just to confirm your full name, your date of birth, and address I should have on Aaron, that's a new 16 gosh from Crescent Chrome, and that is 12 in section nineteen seventy six. file.","start_word":150,"end_word":193,"sentiment":"neutral","sentiment_score":0.1256718933582306},{"text":"Beautiful. Thank you so much for that. And how's your day been so far?","start_word":194,"end_word":207,"sentiment":"positive","sentiment_score":0.4607326090335846},{"text":"Oh, that's good. Good. I can hear the kids in the background. Everyone's home, Ready for the afternoon? Yeah. Oh, all good. Well, look, because you do have the kids there, if you do need me to stop at any point, just let me know. I'm happy to take a break and give you a chance to do what you need to, but I'll try to run through this as quickly as I can to make sure I give you the information required. Okay? All good.","start_word":208,"end_word":293,"sentiment":"neutral","sentiment_score":0.18831172585487368},{"text":"All good. Excellent.","start_word":294,"end_word":296,"sentiment":"positive","sentiment_score":0.3951571881771088},{"text":"Just let me know when the email does happen to pop through. It'll come through from OdooSign, and it'll probably come from my email address. You do?","start_word":297,"end_word":323,"sentiment":"neutral","sentiment_score":0.1727549433708191},{"text":"Fantastic.","start_word":324,"end_word":324,"sentiment":"positive","sentiment_score":0.443668007850647},{"text":"So opening that one up, if you press the sign button, it takes you through so you can review the advice document. We do have all the other additional documents attached for you as well. On Yeah. the front there, it will state statement of a rash, prepare for yourself as of the 06/24/2026. So all of that advice is valid for sixty days from the date on the document there and has been prepared for myself and my team here at Oakview Financial, and my licensed representative number is 1304394. Okay? Mhmm. Faith, now as you are running through the first couple of pages there, it outlines essentially that the advice has been prepared under the best interest duty, which is part of the corporations act. It's also got the areas that we have scoped in or are providing advice on. So, essentially, one of your, goals was that you're hoping to retire at about eight sixty. You're hoping Mhmm. to have the house fully paid off. I believe one of your areas of looking at was that you were planning to sell your investment property and use the funds to pay off your main primary residence Yeah. Open in about two five years. years' time. No. Sorry. Two years now. It might be two years Two because we've years. we've been saving a bit. Yeah. Yeah. That's okay.","start_word":325,"end_word":554,"sentiment":"neutral","sentiment_score":0.035897161811590195},{"text":"Beautiful. So two years. Bring that forward. That's fantastic.","start_word":555,"end_word":563,"sentiment":"positive","sentiment_score":0.5432252287864685},{"text":"We've also scoped in the insurance side of things. So, essentially, having a look, we do have to retain C Bus to retain the insurances for you, essentially keeping your life and TPD in place as appropriate until you do pay off your mortgage and become fully debt free. And then we may be able to look at consolidating and boosting through for a little bit more from there. But for the time being, just looking at what we can do with your super funds, retain your insurances, and just make sure things are working harder for you investment wise there as well. Okay? Mhmm.","start_word":564,"end_word":668,"sentiment":"neutral","sentiment_score":0.15414577722549438},{"text":"Excellent.","start_word":669,"end_word":669,"sentiment":"positive","sentiment_score":0.5370737910270691},{"text":"To make it a bit easier for you, if you can just scroll through for me, just down to page number 17. I'll take you through a sense of the bulk of the recommendations, and then I'll go through and explain the last few things for you. This should have the heading there for you. It is recommended investments as of superannuation. Yeah. Page 17, did you say? Yeah. Yeah. Mhmm.","start_word":670,"end_word":740,"sentiment":"neutral","sentiment_score":0.1679684817790985},{"text":"Beautiful.","start_word":741,"end_word":741,"sentiment":"positive","sentiment_score":0.5157897472381592},{"text":"So this one here essentially is showing you the updated recommendations there. So I am recommending, as I said, that we do retain CBAS to hold your insurances in place there. Your balance in CBAS was about 37,915 and 56<unk> there. So we do just wanna retain CBUS with a minimum amount there to hold your insurances in place and have most of your funds invested within Hub twenty four there in the portfolio working harder for you. So we are recommending that you do retain so do roll over the 27,915 and 56<unk> there. Retain the 10,000 within C Bus in the current portfolio in C Bus. There's no need to change that investment at the moment, which is fine. Essentially, you'll keep your insurances in place and also keep your contributions going to C Bus there as well, And we'll just make sure we do those rollovers for you pretty regularly. Within hub twenty four, I did go back and review the portfolio looking at how it has been performing and had made us that there had been some underperforming investments and some changes that we did need to make to your portfolio there. So, essentially, what I will be looking to do is to sell off the battery and lithium tax. Nothing wrong with it. However, we have found some great out some other investments that have been performing better. It has been a bit of a rough year for battery and lithium tax, but we are looking to sell all of that investment out. And your Australian Benelon equities there as well.","start_word":742,"end_word":1009,"sentiment":"neutral","sentiment_score":0.10817592591047288},{"text":"So that investment has been holding your portfolio back a little bit this year. Essentially, they have been underperforming.","start_word":1010,"end_word":1028,"sentiment":"negative","sentiment_score":-0.5353851318359375},{"text":"So we've decided to remove that out of the portfolio and utilize the Australian BetaShares a 200 for your Australian equities. Essentially, been along they were placed there originally. They were meant to be essentially an active manager that was buying and selling and trying to outperform against the market.","start_word":1027,"end_word":1076,"sentiment":"neutral","sentiment_score":0.09627114236354828},{"text":"Unfortunately, haven't been able to do so on reviewing your portfolio. When something's underperforming, it shouldn't be there anymore, so it's time to remove that and replace it with an investment that has shown greater past performance to make sure your portfolio is working a bit harder for you.","start_word":1077,"end_word":1125,"sentiment":"negative","sentiment_score":-0.3863098621368408},{"text":"Okay? Mhmm. We've also got the beta shares bank hybrids in there. Now that is more of a defensive investment, but bank hybrids as an investment vehicle are actually gonna be phased out in the future by the government. So I've taken the step to remove those in the portfolio now. It's better to do it now rather than do it down the track when we have to.","start_word":1126,"end_word":1193,"sentiment":"neutral","sentiment_score":0.0174981988966465},{"text":"Since we're making these changes now, we can incorporate that to make it easier for you.","start_word":1194,"end_word":1209,"sentiment":"positive","sentiment_score":0.381183922290802},{"text":"We're also gonna keep the physical gold there and increase your exposure.","start_word":1210,"end_word":1221,"sentiment":"neutral","sentiment_score":0.3132805824279785},{"text":"So it has done very, very well.","start_word":1222,"end_word":1228,"sentiment":"positive","sentiment_score":0.5280392169952393},{"text":"Physical gold had a little bit of a dip in the last few weeks, but it has done very well and has been at a thirty year high. So, essentially, you wanna keep physical gold in your portfolio and just increase your exposure back to about 10% there for you.","start_word":1229,"end_word":1278,"sentiment":"neutral","sentiment_score":0.2528460919857025},{"text":"Cybersecurity has had a bit of an up and down year.","start_word":1279,"end_word":1289,"sentiment":"negative","sentiment_score":-0.3505319356918335},{"text":"A lot of things have with what's been going on globally there. But cybersecurity is not bad in any way, shape, or form, and we wanna keep that. But you're a little bit overexposed at the moment, so just rebalancing your portfolio and bring your exposure back to 5% with that one. You've got because we're getting rid of the as the bank hybrids, we do need to make sure as you're in a growth portfolio that you do have access to the defensive investments as well. So a growth portfolio is generally 80% in those growth areas, like Australian international shares, listed property, and also commodities like gold and silver, and holding 20% in defensive investments, things like cash, bonds, and fixed interest. So because we're getting rid of the bank hybrids there, we're gonna be increasing your exposure into the core composite bonds.","start_word":1290,"end_word":1434,"sentiment":"neutral","sentiment_score":0.04392254054546356},{"text":"They're giving you access to both government and corporate bonds.","start_word":1435,"end_word":1444,"sentiment":"positive","sentiment_score":0.3467978835105896},{"text":"It also utilizes the ventures and other things a little bit a little bit of global exposure there as well for you.","start_word":1445,"end_word":1466,"sentiment":"neutral","sentiment_score":0.31625476479530334},{"text":"So making sure you've got those defensive investments, bonds are also very good for cash producing. They provide income, which gets distributed into your cash account and then reinvested back into your portfolio as a compounding as well.","start_word":1467,"end_word":1504,"sentiment":"positive","sentiment_score":0.42798835039138794},{"text":"So we'll essentially see 14% of your in in your portfolio investors there. The S and P five hundred, you've got about 26% there at the moment, has had a bit of up and downs with everything going on in the world, but is still a great place to be invested. So just increasing your exposure to 30% there and buying a little bit more. We'll be selling off a VanEck property and removing the beta shares, roughly a 200 as well. Essentially, they haven't done too bad. However, because we are removing Banda Long Australian equities and buying into the a 200, we don't wanna have you overexposed in Australian equities. So we're gonna be altering and removing the Raffy 200 there as well for you. Purchasing into Europe, the European exposure is a great place to be, and the iShares Europe investment gives you exposure to all the European companies sorry, countries and all the companies within that on the exchanges. And also the Japan.","start_word":1505,"end_word":1671,"sentiment":"neutral","sentiment_score":0.13019564747810364},{"text":"So Japan has seen some great growth. It is a great place to be invested at the moment, and it's giving you some diversification.","start_word":1672,"end_word":1695,"sentiment":"positive","sentiment_score":0.5624838471412659},{"text":"And on the point of diversification, making sure that we're diversifying across across as many countries as possible as diversification is one of the best ways to mitigate market risk. We'll be adding in the Vanguard all world excluding The US, and we're excluding The US from this investment because you have the S and P 500 in there. So I don't wanna be overexposed to anywhere particular, But this investment is giving you worldwide expo exposure to all the countries, all the different exchanges, and the top investments in those sorts of exchanges.","start_word":1696,"end_word":1789,"sentiment":"neutral","sentiment_score":0.16263451855233374},{"text":"So looking at existing markets as well as up and coming there as well, This investment has done very, very well, and it's about making sure that we're minimizing as much risk as we possibly can within the market there.","start_word":1790,"end_word":1829,"sentiment":"positive","sentiment_score":0.41131648421287537},{"text":"And as I mentioned, diversification is one of the best ways to do that for you. Okay? So you'll see 8% invested there in that investment. And then also the beta shares a 200, and that's replacing the Bannalong Australian Equities and, again, giving you greater diversification. So with Bannalong, they essentially invested anywhere between 15 to 35 different investment options depending on what they had in their investment at at that particular time. With the BetaShares a 200, you're actually exposed to the top 200 companies on the ASX there, so greater diversification. This is also a passively managed fund, whereas Van Alon was more actively managed.","start_word":1830,"end_word":1937,"sentiment":"neutral","sentiment_score":0.1523137241601944},{"text":"So it's actually also a cheaper investment to have in your portfolio, which is a benefit to you because saving on investment fees leaves more money in your portfolio, working harder for you as well there.","start_word":1938,"end_word":1973,"sentiment":"positive","sentiment_score":0.44779667258262634},{"text":"That's essentially the changes to the portfolio. I try to go a little bit easier on those. But do you have any questions about any of them specifically or any questions about that so far? No. I'm good. No. Beautiful. Essentially, the next page outline there that we'll still keep cash in your account. We do need to keep 1.25% cash in the hub twenty four cash account there for you. And if you can get on the page number 20 for me, this is essentially showing the reason for the recommendations there. Now it is really important that we do sort of note that whenever we do switch investments within your portfolio, there are capital gains consequences. So, essentially, your super fund, just like you do, does a tax return every year, and they have to pay tax as well. Essentially, they pay income tax and CGT tax. So for making the switch of the investments, we do estimate having a look at the research there, your super fund will essentially pay $1,645 in CGT tax.","start_word":1974,"end_word":2150,"sentiment":"neutral","sentiment_score":0.10753348469734192},{"text":"So not too bad to be able to switch those investments for you.","start_word":2151,"end_word":2163,"sentiment":"positive","sentiment_score":0.4290373325347901},{"text":"We are retaining C Bus and Hub twenty four. I did look at the other super funds out there. There is no need to switch out of Hub twenty four. You need to retain Sebas because your insurance is in place there.","start_word":2164,"end_word":2205,"sentiment":"neutral","sentiment_score":0.2401442378759384},{"text":"But hub twenty four is still a great platform.","start_word":2206,"end_word":2214,"sentiment":"positive","sentiment_score":0.5890065431594849},{"text":"And the idea of if we move to any other platform out there, the capital gains consequences would be much higher. So it is best to retain hub twenty four for now and just do the investment switch.","start_word":2215,"end_word":2252,"sentiment":"neutral","sentiment_score":0.24650542438030243},{"text":"That way, we only have to switch some investments and mitigate some of the tax consequences to a full to a full move, if that makes sense.","start_word":2253,"end_word":2279,"sentiment":"positive","sentiment_score":0.3841577470302582},{"text":"Mhmm. Yeah. Essentially, looking at because we are moving money from C bus and into hub twenty four, we do expect your admin fees to go up to slightly by about $34 for the year.","start_word":2280,"end_word":2314,"sentiment":"neutral","sentiment_score":0.17059530317783356},{"text":"However, by making the changes to the investment portfolio as above your investment fees, if you look at the last column there, it should save you about $588 for the year. So lower fees, which is good. It means that you'll have more money invested working harder for you over the longer term.","start_word":2315,"end_word":2367,"sentiment":"positive","sentiment_score":0.5020087361335754},{"text":"Still paying. Mhmm. We'll keep your contributions going into hub into C bus. Sorry. No changes there. And your insurance premiums stay payable out of SeaBus as well to make sure your insurances are in place. When you do happen to sell your investment property and you do pay off your mortgage, then we can talk about what your insurance needs are and possibly look at consolidating things there for you as well. Okay? Mhmm. When we look at how the portfolios have performed over the past and the future, so the older portfolio between the two funds, when we look at the rate of debt, it's averaged about 8.52% on the five year rolling out, which was not bad in any way, shape, or form.","start_word":2368,"end_word":2493,"sentiment":"neutral","sentiment_score":0.1718261188694409},{"text":"However, the newer portfolio, you can see, has had a greater past performance, which depending on market conditions, so long as we, you know, see good market conditions or what has happened over the past five years, we can expect greater performance there. And if you're able to obtain that sort of a a return of 10.95% over the course of the next five to ten years, you can see on the next page the projection there. So it can and does place you in a better position moving forward. So we'll just keep reviewing things with you every year, just making sure things are working harder, review the portfolios, and make sure you stay on track there.","start_word":2494,"end_word":2611,"sentiment":"positive","sentiment_score":0.4381268918514252},{"text":"But, essentially, we wanna make sure your sleep is working harder to give you the best possible outcome in retirement. Okay. Mhmm. Do you have any questions so far at all? No. I'm good. So what's my what's my how how much money right now? How much sleep do I have at the moment? At the moment, and when we did the Up there, you've a bit got right a there. Current. 200 yeah. and 16, Yeah. 237. And 30 Up seven there. there. And So once 30 we seven. complete this switch, you'll have 10,000 in Cbus and about $242.02 56 in hub 24. Yeah. Two.","start_word":2612,"end_word":2718,"sentiment":"neutral","sentiment_score":0.07616041600704193},{"text":"All good. All good.","start_word":2719,"end_word":2722,"sentiment":"positive","sentiment_score":0.4437829852104187},{"text":"Now one of the things I did talk about looking forward to for you is looking at, obviously, what the projected outcome looks like. You are in your early fifties there. You do have a bit of time before your retirement, but I wanted to sort of see where you are tracking at the moment. So if you go down to page number 22, it does essentially show yeah. You're okay. Aaron, did you wanna take a second? You're fine. You're okay?","start_word":2723,"end_word":2804,"sentiment":"neutral","sentiment_score":0.11132313311100006},{"text":"All good.","start_word":2805,"end_word":2806,"sentiment":"positive","sentiment_score":0.6978205442428589},{"text":"It does wanna show that projecting this out for you, you are looking at an income of about $1,000 a week in retirement. That could absolutely change there, but we've considered your asset position at the time. Obviously, you will have sold the investment property there and paid off your mortgage. You're fully debt free as a homeowner and considering any other assets that you do have. We do expect you to be able to access some age pension there as well given your current circumstances. That will be reviewed moving forward with you as well. But, essentially, if you are able to access some age pension given your current circumstances and supplement with your super there, we can essentially expect you to be able to draw about forty five thousand six sixty five on a yearly basis. So it is about 6,000 down from where your target income is. You could draw more to get that 52,000. This means the super is expected to not last as long as what we've projected at here. But there's other things that we can do. So at the moment, we're just looking at what you've got currently with your two funds, keeping your insurances in place. But moving forward, as we get closer to accessing super, once you are sort of you've sold the investment property, paid your mortgage, often you have a bit of extra free cash flow. We can also look at other areas like increasing contributions in the super. If you decide at 60, you're not quite ready to retire, you wanna work a bit longer, there's other strategies that we can put in place there for you well. And also making sure that every year, we review your investments and your returns to see how you're sort of working forward. Obviously, if you get a better return, that 10%, that's just an average of what this portfolio has seen over the past five years. We know that some years, you could get a 20% return, some years, a 5% return, some years, a 10% return.","start_word":2807,"end_word":3153,"sentiment":"neutral","sentiment_score":0.213800847530365},{"text":"So it's just about working with the market and making sure we're staying on track and trying to get the best possible outcome over the longer term there. But moving down down the track, if you are comfortable to do so, it would be worth looking at additional contributions to help boost your super as well.","start_word":3154,"end_word":3209,"sentiment":"positive","sentiment_score":0.3840009719133377},{"text":"Essentially, thinking that your super is a bit like your car, your contributions and your portfolio essentially are the fuel.","start_word":3210,"end_word":3229,"sentiment":"neutral","sentiment_score":0.3296896517276764},{"text":"And adding those together, it fills your car up a lot faster and helps your portfolio work a little bit harder there as well.","start_word":3230,"end_word":3253,"sentiment":"positive","sentiment_score":0.5004823803901672},{"text":"The other aspect is the compounding side of things. So we sort of slug our life away to get our sleep up to about that two, two fifty mark. Once we get over that $2.02 $5,300,000 mark, essentially, the compounding does increase a little bit more, and you do see those returns increase. So it is something to keep keep monitoring and looking at with you, but I just wanted to sort of show you that with the research, with the changes that we're making here at the moment, this is essentially the forecast and projection that we've got here just so you can sort of see where you're tracking. It'll light at the end of the tunnel, if you might say. Mhmm. Yeah. I've also got it in here noting that we are retaining your life and TPD within C Bus for the time being. We'll keep reviewing that with you. Admittedly, you don't have a lot of life and TPD, but given your health, it is important to sort of make sure, you know, where you have the best kind of cover possible. Given your history, we're not able to obtain any new cover elsewhere. So it's important just to keep the cover you do have for the time being. But at the moment, you hold about 52,000 in life cover within Cbus and about 26,000 in PPD there. Unfortunately, these covers do decrease as you get older, as the you know, as you get closer to retirement there, but we wanna kinda boost your super. And if you wanted to look at trying to invest in other ways to close that gap, we can also have those conversations with you as well. Okay? Mhmm.","start_word":3254,"end_word":3540,"sentiment":"neutral","sentiment_score":0.08045609295368195},{"text":"Beautiful.","start_word":3541,"end_word":3541,"sentiment":"positive","sentiment_score":0.5965205430984497},{"text":"One of the things we did sorta look at a while ago was that you did have a bit of cryptocurrency on those shares there. Do you still have those? Did you have they grown, or what have they been doing this year? Yes. I've got TRX. This is Chime. What about 7 Yeah. 4 ring in that now, I think it is. But I've got shares in I'll I'll put more money into ASN, which is Yep. Ansell, Yep. Yep. because I got a big feeling that in '27 when they get their LG, they lift some grade battery grade. Something to do with LG. They've got this big thing coming up in '27. And I'm picking shares with regards to about 40. Yeah.","start_word":3542,"end_word":3666,"sentiment":"neutral","sentiment_score":0.06625957041978836},{"text":"And Oh, fantastic.","start_word":3667,"end_word":3669,"sentiment":"positive","sentiment_score":0.4498642086982727},{"text":"and then we've and then we've also got we've increased our bank balance to a 130.","start_word":3670,"end_word":3685,"sentiment":"neutral","sentiment_score":0.22903963923454285},{"text":"Oh, fantastic. Excellent. And that and that's all going towards your offset account to help pay your loan down a little bit.","start_word":3686,"end_word":3707,"sentiment":"positive","sentiment_score":0.3771366775035858},{"text":"Is that right? That savings? Yep. All in offset. Yeah. Yeah.","start_word":3708,"end_word":3718,"sentiment":"neutral","sentiment_score":0.12917543947696686},{"text":"Beautiful.","start_word":3719,"end_word":3719,"sentiment":"positive","sentiment_score":0.508461594581604},{"text":"And, hopefully, a pay rise coming up for you as well. Are you due for a pay rise soon? I had a pay rise. I think it was end of last year. Yeah. Nice. So hopefully end of this year, another one for you. I'm changing Cross roles your at fingers. work. I should be getting a Oh, pay rise are you? in the next few months.","start_word":3720,"end_word":3786,"sentiment":"neutral","sentiment_score":0.06989231705665588},{"text":"Oh, fantastic. Well, good luck with that. I hope it all goes really well. Keep us updated there.","start_word":3787,"end_word":3804,"sentiment":"positive","sentiment_score":0.4866234064102173},{"text":"You know, obviously, with a pay rise, it does come with a bit more money. You pay a little bit more taxes. Well, unfortunately, the tax penalties are coming no matter what we do. But if you ever you know, if you find you do have a bit of extra cash there that you wanna maybe look at extra contributions, feel free to let me know.","start_word":3805,"end_word":3870,"sentiment":"neutral","sentiment_score":0.09408075362443924},{"text":"Those sorts of things can definitely provide a boost to your super. And starting earlier helps the compounding effect rather than later as well. And something as simple as 20 or $50 a week or a fortnight can make a difference over the next ten years as well.","start_word":3871,"end_word":3918,"sentiment":"positive","sentiment_score":0.5903385430574417},{"text":"So let me know if it's something you wanna look at or if you find your cash flow allowed for it. Okay? Mhmm. On page number 24 at the very bottom there, we do have a bit of a different table for you. So the projection shows the current and recommended, and this is exactly the same. However, the difference in the last column is no insurances. So we all have insurances. It's important to have those kinds of cover to protect us in the event that something was to happen. However, this sort of shows you if you didn't have cover, everything was in kind of one place and you still got the same return projected above.","start_word":3919,"end_word":4036,"sentiment":"neutral","sentiment_score":0.15043818950653076},{"text":"Essentially, you could see just a a greater gain in your ten year projection.","start_word":4037,"end_word":4050,"sentiment":"positive","sentiment_score":0.4873890876770019},{"text":"It's admittedly, it's only minimal. Your insurances aren't that expensive, and so keeping them doesn't have a massive effect there. But we just like to show you the difference. Okay. Mhmm.","start_word":4051,"end_word":4081,"sentiment":"neutral","sentiment_score":0.1592666208744049},{"text":"Excellent.","start_word":4082,"end_word":4082,"sentiment":"positive","sentiment_score":0.47477850317955017},{"text":"And then at the very end, they're just making sure that we do retain your beneficiaries within CBAS and hub twenty four, making sure that they are applied. We have binding non lapsing for your spouse and binding lapsing within CBAS to your spouse as well. The main difference between those beneficiaries is binding non lapsing means within hub 24. That beneficiary stays in place continuously. However, Cbus only allow a binding lapsing nomination, so it does need to be updated every generally, every three years. What we can do is we have a TPA on file with Cbus, and we'll monitor when that's due and when this the beneficiary is due to lapse. We'll make sure we contact you and have that updated. That way it doesn't lapse.","start_word":4083,"end_word":4211,"sentiment":"neutral","sentiment_score":0.18940073251724243},{"text":"And that way, you know, there's no risk of anything.","start_word":4212,"end_word":4221,"sentiment":"positive","sentiment_score":0.3951490521430969},{"text":"Your spouse not being able to get those funds or claim those funds in the event if you're passing away. Keeping in mind, I hope that never happens.","start_word":4222,"end_word":4249,"sentiment":"neutral","sentiment_score":0.12061183899641036},{"text":"I would love to get you to retirement and then see you through retirement there.","start_word":4250,"end_word":4264,"sentiment":"positive","sentiment_score":0.6404377222061157},{"text":"We don't want anything to happen. This is one of those conversations we do have to have, unfortunately. Okay? Mhmm. And then just also making sure that you do establish your will and beneficiary power of attorney. So, essentially, one of the things we did sort of talk about in the annual review was that you mentioned you don't have a will or power of attorney set up. Your beneficiaries protect your your life insurances and your super. However, everything else that you've worked so hard for, your house, your savings, your cars, everything like that still needs to be protected. And, look, honestly, a lot of people just assume everything goes automatically to their spouse. And while, yes, in most states, that is absolutely true, it does also have to go through a probate process even if it's just you and your spouse or you passed away or she passed away without having a will in place to protect your assets. Everything still has to go through probate, and it can essentially mean that other parties can come forward, people you may not want to, family members you may not have spoken to in years, who can come forward and stake a claim on your assets. I have seen instances where the assets have not been provided to the people that that the the person who passed away wanted them to go to. And while in most instances, everything goes to your wife, there are some cases where a judge of the court system may see or legislation may allow for other parties to be paid out some of your, estate. So it is really important to make sure a will and a power of attorney is done up. You can also if you, speak to, like, your local government agencies, they tend to do them fairly cheaply. And we can also send you, if you would like, some information on local solicitor or anywhere else that might do well very cheaply. You can also get a will kit just from the post office as well. I had a look last time. I think they're about $30.","start_word":4265,"end_word":4622,"sentiment":"neutral","sentiment_score":-0.019282758235931396},{"text":"And as long as you fill those will kits out correctly for the the prompt, then they can be just as valid as well.","start_word":4623,"end_word":4646,"sentiment":"positive","sentiment_score":0.3904516994953155},{"text":"But it's just about making sure that everything you've worked hard for is protected and distributed in the event that you're passing to where you want them to go. Okay? Mhmm. Yeah.","start_word":4647,"end_word":4678,"sentiment":"neutral","sentiment_score":0.18552835285663605},{"text":"Beautiful. That's essentially all of the recommendations there. It's a nice easy one for you this afternoon. You are an ongoing client.","start_word":4679,"end_word":4700,"sentiment":"positive","sentiment_score":0.625243604183197},{"text":"You do pay the ongoing service fees.","start_word":4701,"end_word":4707,"sentiment":"neutral","sentiment_score":0.29599258303642273},{"text":"So all the advice provided, there's no implementation fees for doing any of this. It's all part of our services and just making sure we've updated the advice and recommendations there for you because we had to retain C bus last year.","start_word":4708,"end_word":4749,"sentiment":"positive","sentiment_score":0.35263437032699585},{"text":"The last advice they didn't allow us to do the rollover, so I wanted to make sure this was updated for you. And, also, just make sure we're reviewing the investments for you regularly as well because the investments provided when you came on board or a couple of years ago may not be appropriate now. We wanted to update the the portfolio now because there are some underperforming or changes to the investments, and then we'll keep reviewing those more for you because in another couple of years or another year or two, there may need to be some changes again. So advice is very much fluid. It needs to change as your life changes as well.","start_word":4750,"end_word":4867,"sentiment":"neutral","sentiment_score":-0.008637142367661},{"text":"So it's about making sure we update these for you, and we enjoy putting it together there.","start_word":4868,"end_word":4884,"sentiment":"positive","sentiment_score":0.6045031547546387},{"text":"As moving forward, did you want me to do I know you do for a review at the end of the year there, but did you wanna do a bit of a catch up in a few months, or are you happy to touch base at the end of the year for your review? What would you like, Aaron? I prefer NDA. And does a year just once a year make it nice and simple for you? Mhmm. Yeah. Yeah.","start_word":4885,"end_word":4964,"sentiment":"neutral","sentiment_score":0.10680878162384032},{"text":"Beautiful.","start_word":4965,"end_word":4965,"sentiment":"positive","sentiment_score":0.462418794631958},{"text":"Not an issue at all. Well, look. I've got the document there for you with all the product disclosure statements, our financial services guide, and any other additional documents required. Feel free to run your eyes over that one. Have a bit of a look.","start_word":4966,"end_word":5010,"sentiment":"neutral","sentiment_score":0.18512652814388275},{"text":"If you do decide to take on the recommendations, we'll get you to sign and return it back so we can have the investment switch completed nice and easily for you.","start_word":5011,"end_word":5041,"sentiment":"positive","sentiment_score":0.37424954771995544},{"text":"If you do find you have any questions, please let me know. I've outlined some of the advantages, disadvantages, risks, and things involved, and there's others noted there for you to run your eyes over as well. Okay. Mhmm.","start_word":5042,"end_word":5080,"sentiment":"neutral","sentiment_score":0.09932399541139604},{"text":"All good.","start_word":5081,"end_word":5082,"sentiment":"positive","sentiment_score":0.4420049786567688},{"text":"Do you have any questions or anything you wanted me to look at or anything you wanted to ask while you've got me here at all? No. I'm good.","start_word":5083,"end_word":5111,"sentiment":"neutral","sentiment_score":0.13989362120628357},{"text":"I'm good.","start_word":5112,"end_word":5113,"sentiment":"positive","sentiment_score":0.35551807284355164},{"text":"Yeah.","start_word":5114,"end_word":5114,"sentiment":"neutral","sentiment_score":0.3287702202796936},{"text":"All good. Well, I will let you go. You're probably ready to have a good afternoon and sit down and put your feet up, so I'll let you go to do that. I appreciate your time this afternoon, and let me know if there's anything you need.","start_word":5115,"end_word":5161,"sentiment":"positive","sentiment_score":0.5139279961585999},{"text":"Okay?","start_word":5162,"end_word":5162,"sentiment":"neutral","sentiment_score":0.2960781455039978},{"text":"Thank you so much for your time.","start_word":5163,"end_word":5169,"sentiment":"positive","sentiment_score":0.630942702293396},{"text":"No worries.","start_word":5170,"end_word":5171,"sentiment":"neutral","sentiment_score":0.323388010263443},{"text":"Thanks, Aaron. Talk soon.","start_word":5172,"end_word":5175,"sentiment":"positive","sentiment_score":0.39328595995903015},{"text":"See you later. Bye bye. Bye.","start_word":5176,"end_word":5181,"sentiment":"neutral","sentiment_score":0.23441976308822632}],"average":{"sentiment":"neutral","sentiment_score":0.1642571947527116}}}}